BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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.

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 2022-10-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CA XXXX, CALIFORNIA XXXX XXXX XXXX Original Creditor : 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 explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the Experian or XXXX  never responded to their request. XXXX, Experian nor XXXX   has sent me the Method of verifying this information.

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 2017-12-01
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
On XXXX/XXXX/XXXX, my home sustained water damage. I reported this to the mortgage company, Nationstar Mortgage LLC d/b/a XXXX XXXX NMLS # XXXX, and my homeowners insurance company. I opened a claim with the insurance company. I hired a licensed contractor who repaired the work and I paid the contractor in full out of my pocket. The insurance company and mortgage company were notified the work was completed and were provided documentation verifying the completion of the work and that the contractor was paid in full. The insurance company verified the work had been completed to their ( and my ) satisfaction and that the contractor had been paid. On XXXX XXXX, XXXX, the insurance company issued check for the cost of repair less my deductible and made the check payable to me and the mortgage company. I endorsed the check and sent it to the mortgage company for endorsement. They have unlawfully and without my authorization withheld my reimbursement of funds. They have lied, they have withheld information, they have made unlawful and unreasonable demands of me and my contractor under the guise of what is required to obtain my funds. When I have attempted to comply, they have denied receipt of documents that they received, and they have continuously added additional requirements before they state they are willing to send my funds. I have requested email verification of their procedures and demands. They refuse. I have requested to speak to a supervisor. They have refused. I am retired and depend on my funds for my life expenses. I have been without these funds for two ( 2 ) months without end in sight. They have effectively stolen my money. I am current on any and all financial obligations to them and they have withheld almost {$30000.00} from my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of 2021, I applied for a refinance of my mortgage. I accepted the interest rate of 2.75 %. I am a XXXX XXXX. I might be away from home as much as 3 months a year. I have a mail box at a XXXX XXXX that I use as my mailing address. They collect and forward my mail to wherever I am working. The refinance reps wanted a bill that didn't show my mailing address but only my residential/mortgage address. I sent or uploaded my water bill. I was told by my refinance rep that my file was complete and it would take about 60 days for the new interest rate to take effect, probably XXXX. 

When I did not see any changes on my XXXX statement, I called to follow up. It was then I was told that my file had been closed because it was incomplete. I asked how it was incomplete, the rep said it was missing the water bill. I explained that i sent my water bill and was told Iwas approved. The rep confirmed that the water bill was there and a part of my file. Then i was told that the file was closed due to fraud. I asked for a explanation but no one was able to give me one. I was transferred to several different reps in different departments, always being told the next rep/department would be able to reinstate my file and give me the 2.75 % I was supposed to get. No one could tell me why my file was closed or what " fraud '' had been committed. No one could tell me why Freedom Mortgage, who called my cell phone everyday while waiting for the water bill, did not call, text, email or write me to say my file was incomplete ( which it wasn't ) or that fraud had been found. 

Then I was sent to XXXX XXXX. He said he could give me a quote on the current interest rate, since the old one expired. He told me the best he could do was 3.875 %. I declined. What I also found out later is that XXXX XXXX had not given me a quote. He filed a whole new application, without me knowing. 

This experience has left me feeling deceived and cheated. I've decided to give Freedom Mortgage every opportunity to rectify this situation before I hire a lawyer and start filing complaints to the relevant state/federal agencies, civil rights groups, predatory lending organizations and social media. Can you please help me fix this? Or forward this to the person/department who can?

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 2022-10-10
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Please have all XXXX bureaus delete the following account I been reaching out to them to ask investigation but they always come back saying it been verified. 
There verification is not accurate I have the a proof for them to remove the following account immediately I won't wait XXXX hours Waiting for them to hurt my credit and preventing me for doing my rights of living my life Accounts : XXXX XXXX XXXX XXXXXXXX XXXX SEE ATTACHEMNT OF THE APPROVE LETTER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I pay my credit card bills in full each month. The business-card statement with a payment due date of XX/XX/XXXX was paid prior to its due date IN FULL, after I reported approximately {$5100.00} ( out of {$11000.00} ) in fraudulent charges to Chase ( XX/XX/XXXX ) and asked for new cards ( my wife is the only other authorized user ). Several of the charges included on the XXXX statement included charges made in person, even though my wife and I were travelling out of state ( we provided evidence to Chase ). I have been asking Chase to send me a corrected bill since that time ( late XXXX ) and the matter has not been resolved. Chase keeps sending me obscure and inaccurate documents removing some small fraudulent charges but not all. Chase has yet to provide me with any explanation of their investigative results ( " You received benefit from the transaction. '' ) Chase keeps reversing credits previously given, and adding interest and late fees. The XX/XX/XXXX statement included previously-stated fraud and yet was paid in full. The XX/XX/XXXX showed a {$790.00} credit after the payment and fraud that were reported, less {$4300.00} in charges, several hundred dollars of which were fraudulent, occurring while we were travelling out of state. The XX/XX/XXXX statement, which we paid in full before reporting + {$1000.00} in fraudulent charges made while we were travelling out of the country, was much of the same. We did not notice any fraudulent activity until the XX/XX/XXXX statement arrived, with thousands of the reported fraudulent, and previously credited charges, reversed. None of the statements received since then have been correct, and the repeated phone calls, certified letters, faxes, and emails have resulted in any solution. Chase has reported me to the federal credit bureaus, damaging my once stellar credit rating. These charges I reported to Chase were not made by me, nor by the only other authorized user, my wife, nor by anyone with our permission to do so nor with our knowledge. Nearly 2 years later, the matter is unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I mailed letters to both XXXX  and Equifax on XX/XX/2021 disputing the XXXX XXXX account for the second time. They have been unable to validate the account or provide me with the necessary documentation. XXXX  has removed this account from my profile as a result of the inability to validate it. XXXX  has previously removed it and has since relisted it without notifying me properly. 

Additionally, this account has now become part of a Multistate Settlement providing relief to accounts with this. company during the time period the account is listed for. I have provided both bureaus with documentation of this settlement and the relief they've already sent. Still, I have not been provided with any documentation from either bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I disputed a XXXX XXXX account in early XXXX that was in collections with XXXX XXXX because it was reporting inaccurately on my credit report. It was removed from my report and readded under XXXX XXXX XXXX in XX/XX/XXXX. It is still reporting inaccurately on all three bureaus. 

Although this account was originally opened in XXXX, XXXX is reporting it as new debt. My current credit report shows the account was opened in XX/XX/XXXX which is inaccurate. XXXX   shows the last active date as XX/XX/XXXX but XXXX  says XX/XX/XXXX while Transunion says XX/XX/XXXX. This account has been inactive since XXXX. The notes on my credit report say that it meets FCRA requirements. I'm unsure how if they all say something different. That is a pretty basic rule of the FCRA ; accurate reporting. That only refers to the issues with my credit report. There are more inaccuracies there as well. 

But the reason for this complaint is as follows : I called XXXX on two different occasions and spoke with a manager who told me that they would look into the issue and return my phone call. They requested screenshots of my credit report which I provided. I didn't receive a callback either time. The manager told me he would return my email. On XX/XX/XXXX, I emailed screenshots of my credit report showing everything that was reporting incorrectly and they never responded to my email. That email was sent to XXXX who never responded to the information that he personally requested from me. I asked for proof that the debt was mine. They did not respond and never sent proof in the mail even though I gave them my updated contact information. I also did a direct dispute with XXXX. I mailed a certified letter to them directly on XX/XX/XXXX and they never responded. At this point, it has been almost 60 days with no response. The last time I called in, which was well after they missed the 30 day mark, the manager told me that they were waiting on the original creditor to send the documents. That is fine but the law states that they had 30 days to respond. They've taken almost 60 and there is still no response or accountability

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that was addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies on the item. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. 

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 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

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

5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written instructions 5 U.S.C 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 2022-10-11
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
When logging into Experian 's site in order to temporarily lift the credit report freeze, the first page shown after login is a page that gives rise to the appearance that in order to continue I must enter payment card information to " Upgrade Your Account ''. This is yet another grossly misleading, shameful attempt from Experian to scam people it shouldn't have any control over in the first place.

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 2021-07-07
Company: Nelnet, 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: Account status incorrect

Complaint:
Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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  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 2023-07-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, my name is XXXX XXXX, I have an account with the Citizens bank. I get my salary as XXXX XXXX every 2 weeks for the past 2 years. The bank used to release my money on the 2 nd business day after it had been deposited. Lately they started holding my money for 8 to 10 days, even though there is money on the company account, I have checked with the Payroll lady. My bank account number is : XXXX This is my 3 rd check that is being held. I have to pay bills and I can't because they keep doing it. Please help if you can. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department XXXX XXXX XXXX XXXX TX XXXX RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on X/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07
Company: Experian Information Solutions Inc.
State: NC
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:
contacted Experian on XX/XX/XXXX about charge offs on accounts that have been on my credit report since XX/XX/XXXX, I have never never made any payments on this loan never and they fail to show me proof of payments made and they fail to remove these accounts off my credit report, XXXX XXXX {$2700.00} US Dept of EDXXXX {$3900.00} Us Dept of EDXXXX {$2600.00} Us Dept of EDXXXX {$5200.00}

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