BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: GA
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 XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction
s. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-12-17
Company: Experian Information Solutions Inc.
State: IN
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$3900.00} XXXX XXXX  Balance : {$4700.00} XXXX XXXXXXXX Balance : {$3900.00}

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 2020-02-24
Company: RANLife, Inc.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage was sent to a new processor. The original mortgage was with Ran Life. The new monthly mortgage also says Ran Life, but the amount of money due is double the payment plus {$520.00} late payment. I have called 3 times to have this corrected after received a letter stating this. No one will help, nor let me speak to a supervisor. I need them to get this corrected. They tell me to rip up the mortgage statement. I will not pay next month 's mortgage until this is corrected.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The moment I received the duplicate of my report that I purchased with XXXX  dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF, COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my XXXX XXXX, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX  .

Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/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 2021-12-17
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I need to file a complaint about Huntington Bank. I am unable to access my mortgage online. I receive this message : " You have encountered an error. If the problem persists, please contact lender support. '' This may seem like a simple problem and one may ask why escalate it to consumerfinance.gov but I have called weekly since XXXX. If I had to guess I am on the phone for an average of XXXX minutes each time. I have an original ticket number of XXXX. I did not ask for any reference numbers for the phone calls or any names of any agents prior to last week because I assumed that this was a simple fix and it would be resolved at some point. I was promised on XX/XX/XXXX that it would be completed by XX/XX/XXXX but it's now XX/XX/XXXX. When I called again today, the agent I spoke to stated after speaking to the service department they had closed the ticket out stating it was resolved. It is causing undue hardship to call every week just to check on the status of my mortgage and also to have to keep following up on a simple fix to my online banking account. I'm hoping that reaching out to the consumer finance department will help me resolve this issue. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello on XX/XX/, I had a letter of dispute along with a copy of my drivers license, proof of address, and a power of attorney letter mailed. I received a response today XX/XX/XXXX that they will be unable to investigate due to it not appearing to be authorized or sent directly by me. I called and informed them that they are violating my rights in regards to refusing to investing the dispute in the letter because I did authorize and did sent a document along with letter dispute that is power of attorney. They responded stating that they will be unable to investigate but can do it through phone. I told them no I dont want to dispute through phone but through letter as requested. I called again and they stated that they havent received dispute yet and to call back later. I called again and the lady said they will start investigation soon. I asked for confirmation because Im receiving different answers and the lady stated that she is unable to provide that. I would like investigation through letter, refusing to do so is against the law and they are literally violating my rights.

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 2017-07-27
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, With my current mortgage company back in XX/XX/XXXX when they took over from my previous company. It was a rough start, the property is in Texas and I live in Michigan, the old company knew my michigan address and it 's all over he paperwork, and I had the auto payment option activated. The new company took over and communicated with me via Texas address knowing that I do n't live there, that continued until XX/XX/XXXX when I figured that and called them just to find a threat of pay or foreclosure, I asked for statement, address, routing info ... etc When received the statement it contained about {$1200.00} in repair fees, I was with work in XXXX, TX since XX/XX/XXXX visited the property at least once a week and I am the one who cut the grass and water the trees, I never seen them or any notice or letter, anyways they refused to waive the XXXX however they reduced it. while I was in the process of discussing the charges with them someone came and broke into my house, and stole tons of my goods, then put a lock on the door with password, apparently that was the mortgage company. They cried for hours and claimed this is a third party then waived part of the charges. Now I asked for my new insurance company for more than a year and did n't get it until I went on XXXX  and created a scene then their rep was more than happy to assist. This year, deja vu same thing happened more than a thousand dollars charges for repairs, more than half of it for cutting grass!!!! They failed to pay my taxes on time to the county from my escrow ( granted I kept an eye and reminded them 5 times to pay it ), then they added the late fees ( more than XXXX dollars ) to my charges. I called them in XX/XX/XXXX to inform them that I am unemployed and need to fill the appropriate forms and see what I can do, that was followed by several calls and nothing is done, again I only got it when I created another scene on XXXX early this month. This is a small snap shot on what they did excluding all the uncalled for derogatory and racial comments I heard during they ugly process. I need help, I am helpless and had no say when this brutal company took over.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2017-07-27
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is showing up on my XXXX report as negative. Also it is showing up a a foreclosure. This needs to be corrected with NationStar and XXXX. Please alert them of this reporting negative on my XXXX report. All other agencies have corrected it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: NATIONSTAR MORTGAGE LLC
State: TN
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:
XXXX and XXXX are showing that my past Mortgage with NationStar is showing XXXX days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact NationStar and XXXX  and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and XXXX needs to state that the past mortgage with NationStar has been paid 100 % and was never late. Also, fix and update the foreclosure warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was advised by XXXX XXXX agent calling about a debt to not worry due to inability to pay. No arrangement was ever discussed. She advised that any future attempts at collection should be ignored and she would resolve the debt. She did state if I received another contact to disregard. This is All on the tape. I now received a collection notice from Nationwide Recovery Systems LTD. XXXX XXXX the business office declined my explanation and proceeded to debate and argue that with me. I notified her to cease and desist which which she angrily did not acknowledge but proceeded to hand up - check the call XXXX : XXXX  XX/XX/2021. I then called XXXX XXXX XXXX  XXXX XXXX who proceeded with the same response. I asked her to pull the tape but she procrastinated. They even had the wrong phone number an impossibility to have called me in XX/XX/2021 because my number was changed prior to that and they were using an older wrong number.I asked her to pull the tape and listen! My wife provided her my correct number I was too upset to even discuss. .I was advised to DISREGARD ANY ATTEMPTS TO COLLECT via any form and she was taking care of the outstanding balance. I thanked her.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Capital One Bank is violating the The Equal Credit Opportunity Act ( ECOA ) by credit discrimination. I have applied for a Capital One Bank Secured credit card 4 times within in the last 2 months, and each time, I received a letter from Capital One Bank stating they couldnt verify my identity, even though, I mailed Capital One Bank identification documentation to verify my identity, but my application was still denied because Capital One Bank informed me they couldnt verify my identity. This is discrimination and a complete violation of The Equal Credit Opportunity Act under federal law. I applied for a Capital One Bank secured credit card on XX/XX/2020 and I am waiting on a response from Capital One Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Frontline Asset Strategies, LLC
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:
I do not recognize the charges nor was there any proper paperwork submitted for this to be on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: The CMI Group, Inc.
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:
I do not recognize the charges nor was there any proper paperwork submitted for this to be on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my six request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The information I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No body care about this matter, remove the inaccurate information in my credit record that came about due to an alleged fraud. These are the following items tnat needs to remove immediately : 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 2022-10-03
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On or around XXXX XX/XX/2023 I filed CFPB complaint XXXX. The complaint was regading a creditor that reported inacurate and unverifiable information regrading my private student loans that resulted from engagement in unlawful, unfair, and abusive practices. I provided documentation, which clearly identified the firm, and matches the account/tradeline ( s ) for which my complaint was directed. Rather than remove the account ( s ) /tradeline ( s ) for the private student loans, TransUnion removed the account ( s ) /tradeline ( s ) for my federal student loans. How it is possible for that to happen is beyond me as the two ( 2 ) sets of student loans are serviced by entirely different entities. As a result, my credit score decreased, which subjects me to further hardship and difficulty in finding housing. So, now I am stuck with the worst outcome in having the unlawfully reported derogatory information for my private student loans in my credit file with TransUnion while, while the factually accurate data for for my federal student loans, which has reported accurately has been removed for the past seven ( 7 ) years. This has been extrodinarily difficult already because the firm supplying the unlawful and unverifiable information is largely responsible for the serious decrease in credit score to begin with.

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 2022-12-07
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received negative past due/collection notice on a XXXX  account that is not mine. Identity theft. This is not my account and I have not ever had an account with XXXX. No one will return my calls and I have disputed this account through XXXX and filled a police 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 explanation