BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the FTC report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.

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 non-monetary relief
Consumer complaint received 2016-12-16
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
On XXXX/XXXX/2016 a short sale package was submitted to XXXX and sent to Nationstar who is the servicer for the investor XXXX. They responded with a counter stating that the listing price should be {$500000.00}, The property is in no way worth that amount. I then requested a XXXX review of value expecting the lender to send a 3rd party Appraiser but they did no such thing, instead they used a computer program to determine that there will be no value adjustment. They are using the system called XXXX which does not factor the property conditions or contractors estimate for repairs. This has been on going for well over 1 year and we are getting nowhere. The system they use is tedious and extremely frustrating as i cant even speak with anyone, there is no live person or point of contact but instead agents are forced to use this defective system called XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 / XXXX was incorrectly listed as a credit line decrease to {$1600.00} when on the statement below you can clearly see my credit limit as {$1900.00}. I received a credit limit increase.

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 2023-03-17
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2017-01-06
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
LOAN : XXXX High Urgency Notice of Error As Nationstar has been delinquent on paying my AZ property taxes for AZ Parcel # XXXX XXXX for last 18 month, fees and penalties have been applied and a TAX LEIN will be placed on my property and may put my property up for auction. ( address removed ) As I have called in and requesting information repeatedly ( over 6 times ) for updates since XX/XX/XXXX with no action or contact until I call in again or send information again. Additional AZ penalties and fees occurred XX/XX/XXXX because of inaction. NationStar has given me no assurances they will pay any outstanding taxes in the future. 

I am requesting all correspondence, information, notes, customer and escrow services members information, call recordings, any correspondence with XXXX be sent to this email address. It does not need to be provided at one time, but over the next 72 hours attn : Nationstar Loan # XXXX This has been an ongoing issue an 1 ) Nationstar needs to pay the taxes THIS WEEK and 2 ) do not ATTEMPT to charge/bill me any accrued late payment penalties or interest charged because of your delinquent payment. I am passing this information on to the federal Consumer Financial Protection Bureau. 

This is a breakdown of a process at Nationstar and effects my home and the children who live in it. This is not a joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
yes Experian has the wrong debt to income ratio on my account and I tried to fix it with them, but I could not get it fixed with them.what I tried to fix was my monthly income which is {$6200.00} a month.and they could not fix it.so I turn to you to help me to get it changed

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 2023-04-13
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recived a validation of debt from I.Q Data international today XXXX XXXX letter is dated XX/XX/XXXX. I have attached This letter for your review. They are stating the principal balance due is {$740.00}, interest due in the amount of {$240.00}. How is interest legally charged on this debt? The lease information section states my lease end date as XX/XX/XXXX and my move out date is XX/XX/XXXX. My move out date and lease ended on XX/XX/XXXX per the terms of my lease and signed notice to vacate. Resident information has my prior address listed as my primary and my forwarding address as other. Why wasnt my address updated accordingly? If a notice was sent it was intentionally sent to the incorrect address. This is a very shady tactic! Charges are listed for damages and XXXX XXXX Original amount owed for damage is {$200.00} and balance due is {$660.00}. How did this amount increase? XXXX XXXX has original amount XXXX with balance due of XXXX. How did this amount decrease? There is a due date of XX/XX/XXXX listed however I never received a bill until this debt was reporting on my credit. At that time I contacted the courtyards at XXXX and spoke with XXXX who was the leasing manager and she stated she would send me a break down of fees via mail however I never received this. When I reached out to I.Q Data the lady I spoke with refused to provide me with a breakdown because the time period to validate the debt had expired. I wrote several letters to the credit bureaus disputing this debt to only receive generic response and no real investigation because the time period had expired.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I logged in to my American Express app on the due date for my credit card and paid y bill. The representative is telling me that they received my payment one day late, which is why I was charged a late fee of XXXX. I paid my bill in full by the due date in the application so I should not have been charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: EQUIFAX, 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:
I am fully aware of the data breach that happened with Equifax back on 2019. This breach has caused my information to be compromised and therefore an account has appeared on my consumer report without my written consent. 

Per 15 usc 1681 no information should be on my consumer report without my written permission. Equifax nor XXXX provided me with an opportunity to opt out of my information being shared without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: MA
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-04-27
Company: CITIBANK, N.A.
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: Personal information incorrect

Complaint:
15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.

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 2019-08-01
Company: Experian Information Solutions Inc.
State: TX
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:
Experian and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page 23 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX, however Experian and XXXX have not removed this from my credit report. I have contacted the bureaus to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed 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 2022-02-15
Company: Stuart-Lippman and Associates, Inc
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from Stuart-Lippman and associates inc. on XX/XX/2021 stating that I some how owe XXXX XXXX {$1400.00} from XX/XX/XXXX XXXX which is not true seeing how I never owned a car let alone car insurance, I don't even have a license. What they are trying to collect is fraudulent and I refuse to pay for something that I don't have and never purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: SERVISFIRST BANCSHARES, INC.
State: AL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/2023 my loan statement showed an amount due of {$430.00}. The amount due was equal to the interest - i.e., no amount was going toward principal. I made a payment of {$500.00} so that some of the principal would be paid off. This month ( today ), I received a new billl and the payment is now {$520.00} - again, this is only the interest on the loan - no principal is being paid down. I had previously called the bank ( XXXX in XXXXXXXX XXXX ) to inquire about my payment and they could not tell me the amount that was due each month. This is not an adjustable rate loan. I have been making rgular payments on this loan for years and the principal has been reduced by less than {$5000.00} versus the original loan amount. Since the payments increase every time I pay an additional amount and the change is reflected as interest only in the amount due, the way this is set up is such that the loan will never be able to be paid off and no matter what extra I pay, they keep raising the payment the next month and making the amount due only the interest on the loan. Something seems seriously wrong with this. As it stands, it's impossible to make automated payments on this account and have the payments applled toward the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-02-13
Company: U.S. BANCORP
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:
On or around XXXX I received unexpected reduction in my credit limit from Card Member service which is Publicly know as Elan Financial Services that govern by US -Bank my additional credit limit was XXXX my current limit as now with financial Institution is XXXX i have been impressive customer never missed a payment or late This report by the merchant impacted my score tremendously i cant get a house or car or Apply for any additional credit me because of merchant misuse

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NY XXXX XXXX ID # XXXX, DIVISION OF CHILD SUP EN # 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 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 non-monetary relief
Consumer complaint received 2021-07-11
Company: Conduent Incorporated
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have the Way2Go card from nevada. I can not activate it because the information they have for the card does not match my SSN or DOB. So I am without money last week, and now probably this week ... I have used the website to try and solve this, I have used the app, and I have tried calling. 

The fact that the company can not even connect a card they sent me with my name on it, with my correct information. Makes me feel like I can't trust them with any information ... this is my SSN we are talking about, my life. And these people are playing games

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Early Warning Services, LLC
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:
XXXX XXXX XXXX - false information fraudulent account. 
XXXX - false information fraudulent account. 
XXXX- false information fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: LA
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:
In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX VIOLATION MISLEADING FALSE REPORTING XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions. 
I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.

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 2023-04-27
Company: JPMORGAN CHASE & CO.
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: Personal information incorrect

Complaint:
15 U.S. 1681C-2 A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONCUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THATRESULTED FROM AN ALLEGED IDENTITY HEFT, NOT LATER THAN 4 NUSINESS DAYS AFTER THE DATE OF RECEIPT. IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT!!! PLEASE DELETE THESE ITEMS IMMEDIATELY. THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION!!! UNDER, 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS { A } IN GENERAL SUBJECT TO SUBSECTION C ANY CONCUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER. 2 IN ACCORDANCE WITH THE WRITTEN INSTRUCTION OF THE CONSUMER TO WHOM IT RELATES. I NEVER GAVE ANY CONSUMER REPORTING AGENCY WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. AS A CONSUMER I AM DEMANDING THE DELETION OF THE ACCOUNT LISTED IMMEDIATELY.

Company response to consumer: Closed with explanation