BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-17
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
We purchased a new home XX/XX/XXXX. XX/XX/XXXX we had someone wanting to Assume our previous loan with NationStar Mortgage ( the house we moved out of. ) We began the Assumption process XX/XX/XXXX and submitted everything asked for at the time. We have now been working on this process for just over 14 MONTHS. We 've contacted them I can not even begin to say how many times. They 've given the run around to us from the get go. From telling us they can not do Assumptions ( yes, they can, it 's in our mortgage and loan contracts ), to we had to put her on our TITLE to our house before they could see if she 'd qualify for the assumption, to just plain no response, to documents are missing but no one can tell us what. XX/XX/XXXX we were finally given a list of documents needed including Purchase Agreement and Title Insurance Certificates. These documents were procured and then it took me approximately 3 weeks to get a fax number to submit these documents. On XX/XX/XXXX these were faxed in, all documents requested except for XXXX. They wanted a divorce decree and there WAS no divorce involved in our situation therefore no document to submit. I 've spent the past 3 1/2 months now trying to get an answer and update. All anyone will tell us is that it 's " in process. '' Then, XX/XX/XXXX, I was told that a letter had been mailed on XX/XX/XXXX and give it 7-10 business days to get to us. A letter still has not been received. When trying to call I 've been hung up on numerous times. The woman trying to assume our loan also called about three weeks ago and was ALSO told a letter was just mailed the day before. She also received nothing. This has to end. We 're just trying to do the assumption which is supposed to be a relatively easy process. They 're blatant incompetence and or down-right shadiness is inexcusable if not even, perhaps illegal. I guess we 'll find out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My student loan were reported to my credit without any consent or knowledge. Which reporter in my credit decreased. 

2019 XXXX student loans on my credit report. All 3 credit XXXX, Equifax Ive since then been calling and get no help. As to why was my student loans reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage company purchased my mortgage from XXXX in XXXX of XXXX. Since I had a conventional loan originally, I qualified to have my PMI removed after 2 years. I submitted the PMI removal request to Nationstar officially on XXXX XXXX, XXXX. They initially tried to tell me that I could not have it removed because of a late payment on the account, which happened only at the time that Nationstar initially transferred the loan over from XXXX, which happened without my knowledge. I made the XXXX payment to XXXX, they never cashed it, and the payment was never sent to Nationstar. I had been in communication with Nationstar all along about this, and even though the " official '' payment was a few days late, they agreed to not charge any late fees because they were aware of the miscommunication between the XXXX mortgage companies and I. Regardless, I waited until the official " wait time '' of 1 year with no delayed payments to check on the status, and after I called them today, they stated that my current Loan to Value ratio is at 90 %. When I asked them how they got to this figure, no one was able to answer that question for me. One person was able to give me the initial appraised value of my home at the time of purchase in XXXX, which placed my LTV ratio at 78 %, but still, no one could answer that 90 % amount, and they stated that if I wanted to remove the PMI, then all I needed to do was pay {$60000.00} toward my loan and then it might be removed. After going through XXXX different departments, I was finally told that I now need to re-submit the PMI removal request, and that they would send me a new form ( which i still have not received ) and start the entire process all over again. At this point, it is clear that they have no intention of removing the PMI from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For three months I have been trying to access my Experian XXXX XXXX account. Ive called countless times and ticket number XXXX has been submitted multiple times, however I get no follow up on the issue and Im still unable to log on to the account. When I try to log in I get an error message " Oops, we're sorry! 
Experian is committed to protecting your personal information. We utilize a thorough identity verification system because your security is important to us. Unfortunately, we have not been able to properly identify you from the information you provided. Please note that your order has been canceled. Call us toll-free at XXXX '' But I call & they say its a verification issue, but they still can not help me access my account. For more than 5 year there authentication system has been populating information that is not on my credit report and Ive been unable to obtain yearly credit reports online, but have to request them in paper thru the mail. This problem may have something to do with this issue. Please help me fix this issue so I can log on to my XXXX account and access my yearly credit report online.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Receivables Performance Management, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a collection on my credit report from receivable performance for {$2800.00}. I do not owe them any money whatsoever I never did business with them. Also there is an open account in good standing on my XXXX credit report XXXX XXXX XXXX XXXX I dont know what that is or how it got there! Also I see a bunch of inquiries that should not be on my credit report. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is the last one. Now Im disabled and I have a XXXX XXXX  XXXX so if they have some kind of proof that I could have did this stuff then it can stay but I am pretty sure I did not. Can you help me please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX I had 4 inquiries made to my and my wife XXXX 's credit file without authorization> These were hard hits impacting our credit score and severely impacting our ability to secure credit and if secured at a much adverse rate and terms. To state i should put a security freeze onto the account is a LIE and misinformation because I was advised by all three Credit Bureaus they can not prohibit inquiries!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information ; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently wrote a letter to all three credit bureaus inquiring about bankruptcy on my reports, ask them to verify that those were mind. My id we're stolen years ago and that information needs to be corrected and removed from my credit profile ; TransUnion has failed to verify that it was me, there negative info came from a third. The does not report to any bureau it is a violation of the rules please help me with all of the agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX Validate Account XXXX  XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XX/XX/2019 my spouse and I made a joint application for a mortgage with Supreme Lending. We received our pre-approval letter for $ XXXX. Without notice they ( Supreme Lending ) removed me, so it was only my spouse as the borrower and suddenly I was not on the loan! Supreme no longer included me in communications, emails and even needed me to " gift '' my spouse an additional $ XXXX more than the $ XXXX I already had to reach the $ XXXX needed for him to be able to purchase the home we found. I was ignored when asked why I was removed from our joint application. I never received a letter declining credit ( I thought required by law within 30 days of applying for credit ), where there would have been explanation and given me recourse to dispute the decision. I asked Supreme in writing to supply me with that letter stating why I was declined, since I had been removed, I was legally entitled to a letter explaining why I was declined credit. Now to add me to the mortgage we will need a new mortgage, new closing, also new closing costs and a new interest rate, so more money, yet the first mortgage there was no explanation to why I was removed. We had one house during this home shopping that we as a couple decided not to purchase. When we did that,  Supreme Lending did send a decline letter. That letter was sent to only my spouse and the explanation was buyer changed mind ( or something along that verbiage ) either way they excluded me but followed credit law and sent letter explaining why credit was not being granted, but only to my spouse not to both applicants. Since getting the mortgage with Supreme I have written to them and asked for the letter they should have sent and the only letter Supreme sent was the letter Supreme sent to my spouse. Supreme never sent anything to me to explain my standing. My credit was hurt by the hard-hit inquiry from our joint credit application, then no credit being granted and the future expenses to correct this. What recourse do I have against Supreme Lending for how they discriminated against me? Also I believe by the total disregard to women they do this to others as a way of business so there are others being hurt and will continue to be hurt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, Bank of America closed my Mastercard ending in XXXX. 

On XXXX XXXX I received an email notifying me of the closure. No reason was given for the closure. The email stipulated an adverse action letter would be sent and include the reason for closure. The email itself does not meet the disclosure requirement of Regulation B for adverse action notification under the ECOA. 

On XXXX XXXX I called Bank of American and spoke to XXXX and XXXX XXXX ( XXXX ). XXXX advised the closure reason was due to my credit score. XXXX XXXX, a manager, disconnected the call and did not call back. 

On XXXX XXXX I again called Bank of America and spoke to XXXX, XXXX ( XXXX ) and XXXX. XXXX identified as a supervisor and XXXX identified as a manager. 

I reiterated my XXXX XXXX request to reopen the account. I advised XXXX I was amenable to a credit review for this purpose. I advised all three that no adverse action letter had been received. XXXX advised that her account indicated none had been sent to date. My address was verified. It has been unchanged for 22 years. At XXXX XXXX disconnected the call and did not call back. 

It has been 22 days as of today since account closure and I have not received an adverse action letter. BoA agents indicate none has been sent to date. I anticipate BoA will violate Reg B. 

I am seeking resolution by reopening the account. I value the account as the oldest account on my credit bureau. This impacts the average age of credit and in turn my FICO 8 score. 

I recommend an investigation into Bank of America 's compliance with the ECOA Reg B as it regards the bank initiated closing of accounts, adverse action notification and the required disclosures of adverse notifications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 

15USC 1681 Section 602 States i have the right to privacy.

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions.

15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Reporting agencies XXXX, XXXX and Transunion refuse to remove wrong/incorrect address from report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: SAN DIEGO COUNTY CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I was on international travel for our honeymoon with a return date of XX/XX/23 and a return flight of XXXX. I was alerted by the hotel upon checkout that my sdccu card declined. I checked my balance to verify that the funds were in my account and they were. The hotel tried numerous times and each time declined. We had to wait until sdccu bank opens on XXXX time zone approximately an hour to speak to a bank representative. I was informed that the bank was experiencing an outage and declining all cards. I enforced the bank rep that I had a flight to catch in 2 hours but am unable to check out with the hotel because my funds are tied up. The sdccu representative was very rude and stated there is nothing that can be done and I would just have to wait. I requested to speak to a manager to which she stated none was available. She took my phone number and said one will call me. Ultimately we missed our flight and had to pay over {$500.00} to rebook. I used my credit card which is for emergencies and did not have a limit to cover the hotel. Also, I had pending automatic transactions to include bills that were declined and returned with retuned payment fees added. We were stuck in another country until we contacted family as we were desperate to get home. Once the sdccu outage was over I discovered several over draft fees in my account due to my deposits being returned during the outage. This is very disheartening. My daughter, husband, and I all bank with sdccu for nearly 20 years. I am requesting all over draft fees as a result of this outage to be refunded. I am also requesting that sdccu take care of the additional flight fees due to missing our flight from not being able to check out of the hotel and a refund of the returned payment fees accrued from my bills attempting to be debted from my account. My deposits were returned and therefore everything either bounced or resulted in over draft fees. My family and I would like to continue to bank with sdccu, however, if this situation is not resolved we will have no choice but to bank elsewhere. Feel free to email me at XXXX or call at ( XXXX ) XXXX. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have tried to resolve this with the credit bureaus ( reached out XXXX times total ) and with Toyota Financial directly ( reached out XXXX times total ). 
I have written, called, and emailed. 

For over XXXX years, an auto loan has been incorrectly reporting. The account was opened in XXXX and was closed in XXXX of XXXX. 

They have reported incorrect dates, incorrect dollar amounts and incorrect dates. Please feel free to reference just how often the information they report ( to all credit bureaus ) has vastly changed. 
When I pointed out the account was too old to be on my account, they CHANGED the date of last payment so that they could continue reporting and continue trying to get their money. 
I dont know what to do anymore. I have done everything right - I have completely fixed my credit. 
When I finally got them removed from my credit reports ( Toyota Financial ) they REAPPEARED as a new entity ( Toyota Motor ). 
What they are doing is wrong and illegal.

Company response to consumer: Closed with explanation