BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXXXXXX XXXX/ Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX This is not mine account. 

Wrong Name And Adresses. 
XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-07-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been making on time payments that I agreed with the company. However, the company continued to report late or no payments. I contact the company to resolve this matter, but they refuse to make the corrections. This matter prevents me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: Comerica
State: SC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My XXXX check was deposited into my direct express account from XXXX. I started noticing lot of unauthorized charges on my account from XXXX ( XXXX, XXXX XXXX, and several surnames all XXXX ), these charges where constant some of them where back to back within seconds of the other. So I contacted Direct Express about this an disputed all the charges and ask that they block them from charging my account again. Yet not only didn't they not block XXXX ( as they said they would ) but continued to let more an more unauthorized charges be taking from my account! For XXXX XXXX  I made over a dozen different disputes, in which I had to do all kinds of crazy paperwork, and I had to pay for a new card from them everytime, yet out of {$4200.00} dollars total stolen from account from this merchant only XXXX, {$4.00} charges where every refund ( why only those I never understand ). I spent hours an hours on the phone with direct express customer service trying not only did they not fix it but I could get to get this fix, anyone to give me any answer that where even the same always something completely different from the call before. This completed devastated my daughter and I, being on XXXX is strict budget but having all this money stole out of my account made it were we could pay even our essential bills! I tried everything to get direct express to resolve the problem to no avail. I finally had to just stop having my check deposited with them because all until I stopped deposited my check in direct express in XXXX  they still continued to let XXXX constantly make unauthorized charges to my account, but never refund my money back nor did even bother to block them nor did they even care! I never would have thought Social Security would choose a bank like that, much less have choose for XXXX American 's such as myself, like having our own bank take advantage of us, leaving us even more disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Nelnet, Inc.
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I paid off my Firstmark student loan on XX/XX/XXXX. I called in today ( XX/XX/XXXX ) to ask that the account be updated to reflect PIF instead of in repayment. I was told that their systems take 20 days to update from rpmt to PIF, to allow for bounced payments, etc. I then requested that the PIF status be expedited, and was denied. I asked when my account reports next to the CRAs and was told that Firstmark is a month-end reporter ( so, XX/XX/XXXX ). However, if it takes 20 days to update the account to PIF, my thought process is that on XX/XX/XXXX the account will report open/current with a {$0.00} balance ( illogical reporting condition ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am intrested in removing all inaccurate information from my credit report with Equifax to help clear my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX XXXX Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX  XXXX, Account number : # XXXX, Account name : # XXXX  XXXX, Account number : # XXXX, Account name : # XXXX XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX XXXX, Account number : # N/A, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX, Account number : # XXXX, Account name : # XXXX XXXX, Account number : # XXXX, Account name : # XXXX XXXX Account number : # XXXX, Account name : # XXXX XXXX XXXX, Account number : # XXXX, Account name : # XXXX, Account number : # N/A, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-19
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My refinance closed in mid XXXX - UWM was paid in full and the remaining moneys in my escrow account plus any overages were due to me ... on XX/XX/XXXX the lender claimed they sent me the check ... by XX/XX/XXXX I hadn't received so I called them and they stated they would instead wire finds, and obtained my checking account and routing number ... 7 days later I called them again today and they are saying while they see the call from last week and the request to wire, it has been cancelled and instead a check will be reissued - nearly 60 days after the refinance was closed and the payoff processed ... this means I won't have these funds to pay other high interest bills and it will actually end up costing me {$1000.00} 's of dollars due to their ineptitude ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 )
Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUITY LOANS LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Well i had a house in XXXX and the first payment going to be on XXXX i didnt pay XXXX and XXXX finally in XX/XX/XXXX i sold that house everything so the payment now wAs off payment was in XXXX no debt nothing was only 60 days late i got my points in my credit up again and now the reported to my credit 120 days to 149 days late i called them tried to fixed and they cant do nothing i have to wait i ask for a letter and nothing either, is urgently cause im under contract and my credit its bad for that error of them equity prime XXXX XXXX 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 2023-10-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally complain about the persistent issue of late open accounts that I have been experiencing with your company, specifically regarding my account with Credit Bureaus. Despite my numerous attempts to address and resolve this matter, my late open accounts remain unresolved, causing significant inconvenience and financial hardship. 

I would like to provide a summary of my efforts to address this issue : I first became aware of the late open accounts associated with my account. Immediately, I contacted your company and initiated communication with your customer service department to discuss the issue. 

Subsequently, I made multiple attempts to resolve this situation, including sending emails, making phone calls, and even visiting your office in person. During these interactions, I provided all requested documentation and information to address the late open accounts. 

Regrettably, despite my continued commitment to resolving this matter, the late open accounts have not been rectified, and I have received no concrete steps or response from your company on how to proceed. 

These unresolved late open accounts have caused me significant stress, inconvenience, and financial difficulties. As a customer of Credit Bureaus, I expected a more responsive and efficient resolution process. 

I kindly request that you take immediate action to address and correct these late open accounts. If there are any additional details or documents required from my end, please inform me promptly, and I will provide the necessary information. 

I believe in fair and transparent communication, and I trust that we can resolve this issue amicably. However, if this issue persists, I may have no choice but to seek legal assistance to protect my rights and interests as a customer. Please assist me to correct these accounts : XXXX XXXX Balance Owed : {$150000.00} ; XXXX XXXX Balance Owed : {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: JPMORGAN CHASE & CO.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The original complaint with all of the paperwork sent to the XXXX  XXXX XXXX is attached to this complaint. 
XXXX Submitted XX/XX/XXXXXXXX  XXXX XXXX XXXXXXXX processed the claim and the funds were returned to Chase, however, Chase never returned the funds to my account and in fact closed the claim. 

Chase lied several times stating that XXXX never received documents to support the claim, when in fact I have a recorded message from 2 XXXX representatives that the cashier check for my claim was mailed to Chase on XX/XX/XXXXXXXX  before CHASE closed the claim by mailing me a letter in XXXX AFTER they had received my reimbursement funds from XXXX. 

Chase Bank closed my claim and mailed a letter stating XXXX  who had accepted the fraudulently endorsed check hadn't received the paperwork that was submitted to Chase. This is the paperwork attached in my original complaint to cfpa. I was told by Chase that Chase had to handle the claim with XXXX and was given copies with proof that the correct forms and documents signed by the deputy director of the Oklahoma Tax Commission and verifying the check was fraudulently endorsed was in fact sent by fax to the claims department at XXXX. 

I followed up myself with XXXX claims in the fraud department and was told by 2 separate representatives that that the claim was resolved and a cashier 's check had been mailed to Chase on XX/XX/XXXX. They stated on a recorded line that the cashier check number # XXXX in the amount of XXXX had been mail to Chase on XX/XX/XXXXXXXX  and should have already been placed back into my business account with Chase. 

When I called Chase executive office I was told a different story. They agreed to reopen the claim to investigate. I am not sure, but I believe this is FRAUD to take their customer 's money and keep for themselves. I am writing to ask for your assistance in this matter because at this point I have no choice but to seek legal counsel. I have been dealing with this issue for almost a year, calling every week for the last few months. The damages to my business and personal life have been adding up and taking a toll on my health and my business is struggling due to Chase Bank after I had put all of my trust in them as a small business owner starting out. 

Would you be able to assist me in this matter or should I hire an attorney? It seems unimaginable that an American Citizen can't even trust their on own American Bank. Chase prides themselves on protecting your money from fraud and in fact they are committing fraud against their own customers!! I have also thought about going public with this scam because I am sure that I am not the only one this has happened to in the past. I was of course required to pay my property taxes of {$4300.00} twice or fees would continue and I would lose my house. 

Please help me to help myself AND American Citizens

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights has a consumer, so delete this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am deciding to reach out to CFPB because I have made my payments owed to XXXX XXXX XXXX in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to Transunion or XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against XXXX XXXX XXXX, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit 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
Consumer complaint received 2023-11-09
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I signed and got approved for a mortgage agreement with XXXXXXXX XXXX in XX/XX/XXXX. I received a letter from XXXX XXXX on XXXX XXXX stating that my loan was sold to them and will be serviced by Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The loan payments include payments to an Escrow account for XXXX insurance which I obtain from XXXX XXXX XXXX Co. 
The insurance policy period was from XX/XX/XXXX to XX/XX/XXXX. 
The premium was paid in full as part of my closing costs. 
On XX/XX/XXXX, I received a notice of cancellation from XXXX XXXX XXXX. I spoke to a XXXX XXXX agent about this notice. The agent told me they did not receive payment from Rushmore Loans ( from Escrow account ) which was due on XXXX XXXX and that the policy will be cancelled on XX/XX/XXXX if no payment is received. 
On XXXX XXXX, I called Rushmore customer service. ( which are horrible ) several times On XX/XX/XXXX, they connected me with their insurance department, gave them my loan #. 
They could not find the loan, transferred me back to customer service. 
On XX/XX/XXXX the representative told me they are transitioning loans to Rushmore Servicing and this could be the problem and not to worry, the premium will be paid. Called back on XX/XX/XXXX, same promise to pay. 
I called XXXX XXXX XX/XX/XXXX. No payment received. 
Called Rushmore on XX/XX/XXXX, spoke to XXXX, supervisor. First he told me insurance will give lead time. I told him that the lead time has expired and my insurance will be cancelled. He said don worry we will pay the premium. 
Called XXXX XXXX back, no payment received. 
The XXXX XXXX agent suggested I pay out of pocket to keep the policy in place and they will reimburse me when they receive payment from Rushmore. 
I then reached out to XXXX XXXX XXXX and spoke to XXXX XXXX who told me she contacted Rushmore and they told her they will not pay premium because I already paid out of pocket. 
Next I receive a letter from Rushmore on XX/XX/XXXX stating that I requested to remove insurance from my Escrow account and will now be responsible for payment of insurance. I never requested this. 
They did refund me the Escrow balance on XX/XX/XXXX. 
I have had dealings with many mortgage companies over the years and never have I witnessed such incompetence. This company is awful. They can not even manage a simple Escrow account.The company 's complaint resolution process is inadequate and ineffective. 
Also, when calling customer service, they put on hold for XXXX minutes and then hang up.

Company response to consumer: Closed with explanation