BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to bring to your attention an inaccurate collection entry on my credit report, which has been reported by a company called XXXX XXXX XXXX XXXX from XXXX XXXX XXXX I request your assistance in resolving this matter as it does not belong to me and appears to be a case of identity t Details of the inaccurate collection are as follows : Creditor : XXXX XXXX Account Number : XXXX Amount : {$120.00} I have carefully reviewed my credit report and have confirmed that this collection entry is not associated with any account or transaction I have ever engaged in. Considering this, I believe my personal information has been misused, and this collection is the result of identity theft. 

I have already taken the necessary steps to protect myself from any further fraudulent activity, including filing a police report and notifying the relevant financial institutions. Enclosed with this letter, you will find copies of the supporting documentation, including the police report and identity theft affidavit, which provide evidence of the fraudulent nature of this collection. 

I kindly request that you investigate this matter promptly and remove the inaccurate collection from my credit report. I understand that the Fair Credit Reporting Act ( FCRA ) requires the credit reporting agencies to conduct a reasonable investigation into disputed items, and I trust that you will ensure a thorough examination of this issue. 

Please provide me with written confirmation once the investigation is completed, and the necessary steps have been taken to correct this error. Additionally, I would appreciate any assistance or guidance you can provide to help me resolve this matter effectively. 

Thank you for your prompt attention to this dispute. I look forward to a swift resolution, and I trust in your commitment to protecting consumers from identity theft and maintaining the integrity of credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I had check my credit an found some late payments on my credit report, I have written 4 letter to XXXX requesting a validation or deletion of this in accurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call.

This is a clear violation of the law and they should be reported with FTC, for these violations.

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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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: OK
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, 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

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 2023-08-04
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-19
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage wrote to let me know that effective   XXXX    , the servicing of my mortgage, loan number  XXXX , would be transferred to  XXXX   XXXX   XXXX   XXXX . Accordingly, I made mortgage payments to  XXXX   XXXX   XXXX   XXXX , loan number  XXXX , in  XXXX  and   XXXX   XXXX    . Now, Nationstar Mortgage is calling me, plus sending letters and email to collect for supposedly past due payments, despite twice confirming that the loan servicing was transferred to  XXXX . On   XXXX   XXXX   XXXX    , I talked to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  concerning my issue and she promised to research the issue and call me back by   XXXX   XXXX   XXXX   but she did not call me. I left a message with my loan  XXXX  on   XXXX   XXXX   XXXX   but she did not return my call.   I called  XXXX   XXXX   XXXX   XXXX  at  XXXX   XXXX   XXXX   XXXX  on  XXXX   XXXX ,   XXXX  , where a representative told me that indeed, the loan servicing was transferred to this company. However, during the week of  XXXX   XXXX , I received a letter from Nationstar Mortgage with an offer of borrower assistance ( as If I am late in making payments ) Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: NATIONSTAR MORTGAGE LLC
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with NationStar ( they recently purchased the loan from XXXX XXXX XXXX on XXXX XXXX, 2017 ) and the have been making extra charges on my checking account ( XXXX XXXX XXXX XXXX ) multiple times per month. I called to try to get them to stop and they, first, told me that they had no records of the charges, then after some persistence they finally admitted to seeing the charges. When I asked the to stop the charges they said they could n't. I eventually closed my checking account and opened a new one, but have n't made a payment since ( giving them my checking acct number is the only option to pay they will give me ) because I do n't want them to start trying to steal any money from that account. I checked my account history today and they erased those charges, but I took screen shots of the fraudulent charges they had posted in previous months. The amounts were : {$2300.00} on XXXX XXXX, 2017-XXXX2017-XXXX2017 & XXXX/XXXX/2017 {$2300.00} on XXXX/XXXX/2017 {$1500.00} on XXXX/XXXX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Tuesday, XX/XX/2022, I intended to send my brother {$620.00} through Zelle from my XXXX XXXX bank account. Zelle allows people to send money using other people 's phone numbers. I mistakenly entered an incorrect digit when entering my brother 's telephone number through Zelle. I immediately attempted to get the transaction reversed through XXXX XXXX ; however, they said I'm unable to cancel the charge once sent through Zelle. Then, I contacted Zelle and they informed me that I had to request it back from the individual who received my money in error. I reached out to the individual to inform him what happened and he didn't understand why neither Zelle nor XXXX XXXX could resolve it. The individual to who I mistakenly sent the money denied my request and asked me not to contact him again. The individual requested that Zelle resolve this. I informed Zelle of this and they still refused to take the money back from the individual and return it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Paypal Holdings, Inc
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2020, An employee of the computer Company with the name XXXX XXXX/XXXX XXXX XXXX, defrauded me out of {$740.00} by diverting my payment to his ( personal ) Paypal account the company is aware of this fraud and fired the employee, but has not refunded the money that there employee defrauded me out of. 

the Co. instead is giving me the run around concerning my refund of {$740.00}. 


i have supporting documents concerning this fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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:
I have tried numerous of times for Experian and XXXX XXXX to correct my credit report concerning XXXX XXXX credit card ending in XXXX. They are continuing to report different information. Experian is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION REPORTING IN MY CREDIT FILE. XXXX XXXX is reporting that I have XXXX missed payments. THIS IS NOT ACCURATE INFORMATION! I have tried to get this issue resolved now for the last 6 months now! Please do not send me a response telling me that the information is accurate. IT IS NOT! I am now prepared to take legal action against XXXX XXXX and Experian for not investigating this properly and continuing to let XXXX XXXX report incorrectly on my credit report. I have also written several letters of how, You continue to tell me that the information is reporting accurately and you have done an investigation now I need proof that investigation was done if this is not removed from my credit profiled immediately. 
Time is of the essence

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 2017-04-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Your company failed to provide the required notice of additional required documents within  five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application is entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). The LMP was submitted to the lender on    XXXX / XXXX /  XXXX   - the lender has been requesting additional docs since the submission of the LMP - a missing items letter has never been sent or received- on  XXXX   XXXX ,   XXXX   we were advised the file showed all docs and it was being escalated for review - on  XXXX   XXXX ,   XXXX   the lender informed us when  XXXX  called that their was something else that was needed for the review - the requested hardship affidavit was submitted the same day - the sale date is still set on this file for  XXXX / XXXX /  XXXX   which should be placed on hold for this review

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I MAILED OFF MY CHALLENGE LETTERS TO VALIDATE DEBT OWED, AND WAS NOT NOTIFIED OF INCORRECT INFORMATION ON MY REPORT. 

I MAILED ON XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, 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 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 non-monetary relief
Consumer complaint received 2021-12-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I am an individual realtor in XXXX, PA that was eligible for the XXXX 'S XXXX Loan. I applied through Citizens Bank and was approved for {$20000.00}. The documents submitted to apply included tax returns and other financial documents clearly outlining the income for the previous year ( s ). All funds were used as directed by XXXX to be able to apply for full forgiveness, such as payroll. Citizens has deemed that only {$9200.00} of the loan is eligible for forgiveness. 

After making MANY attempts to email and speak with Citizens I have not had emails returned, calls answered or any communication from Citizens. I have spent hours on hold, have been hung up on by representatives, emails for information and requests to have the Office of the Chairman call to sort this out have gone unreturned. I've requested several times to have the forgiveness about reviewed, to no avail. Citizens has been non-responsive and I am caught in a black hole. 

Citizens has unexpectedly debited my account at XXXX XXXX times without my permission. Taking well over a thousand dollars, twice without notice or approval. 

The XXXX has advised me that this lender is not registered with the XXXX 'S direct forgiveness system. The lender is not making any effort to review the forgiveness amount, they seem to be counting on benefiting from issuing the XXXX loan and not forgiving loans that are eligible for 100 % forgiveness according to the XXXX. Had I known about Citizens business tactics I never would have worked with them. Their business practices are unforgivable and should be better regulated. 

Citizens has sent a demand letter seeking full payment of {$11000.00} due within 10 days. I have emails, screen shots, and phone records showing many attempts to communicate with the lender, but they are non-communicative. A complaint has also been issued through The Office of Comptroller of Currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Westlake Services, LLC
State: AR
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:
XXXX XXXX, balance is XXXX. this debt was settled XXXX XXXXXXXX XXXX. this account is fradulent. 
us bank inquiry was not authorized by me. 
XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX inquiry was not authorized by me. 
XXXX XXXX  inquiry was not authorized by me. 
Westlake financial debt has been paid in full and settled. XX/XX/2023 XXXX  inquiry was not authorized by me. 
XXXX XXXX XXXX  inquiry was not authorized by me. 
XXXX XXXX  inquiry was not authorized by me.

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 2023-09-13
Company: Zions Debt Holdings
State: AR
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:
XX/XX/XXXX  I asked for validation Original sign contract proof that I owe this debt & balance to mail documents to me I never received any proof.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, 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:
The company reported to both XXXX  and Equifax that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by 30 days then twice as late by 60-89 days late. I had paid on this loan within the 30 day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to Equifax and sought an investigation, the company retracted my current status ' from XXXX as late for all three months, thus prompting me to believe this was in retribution. I paid this on this account $ XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XXXX and XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XXXX and now, XXXX. I paid off my loan in full and closed the account during XXXX ; my new loan was just established XX/XX/XXXX and was absolutely current for XXXX. 3. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: PA
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:
This is unbelievable! You just closed a complaint about having addresses that don't belong to me on my credit report after months of going back and forth with you, so now you add another address that also doesn't not belong to me. 
Let me be completely clear with you one last time! 
My name should read ... XXXX XXXX XXXX. Nothing else! I have a son with teh exact same name and spelling! 

The only address that should be on my credit profile is XXXX XXXX XXXX, XXXX PA XXXX. Nothing else! Remove any other address you have and do not add any other address! I have lived at the address over 10 years! Stop adding random addresses! 

Fix this and send me an updated credit report 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 2023-06-08
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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am submitting a new complaint as suggested by CFPB because XXXX was closed without having been addressed. It seems that Band of America thought for whatever reason that the complaint was submitted fraudulently and they claim to have been unable to verify my identity. That could have been accomplished had XXXX at XXXX x XXXX returned any of the voicemails I left for her in an attempt to address this complaint. She couldn't be bothered. 

The previous complaint was : An offshore transaction, which I've made previously, prompted a text message asking if the charge was recognized. I replied yes and the response was that the transaction was authorized. Several days later, I began a mobile withdrawal, which is available through the bank app, permitting you to input the amount you'd like to withdraw. I received notification that everything was in order, and I could go to the ATM to pick up cash. When I arrived at the ATM, miles away, the machine indicated that my card had been locked due to irregular activity. I called the bank, was told that they had the confirmation of the original transaction, and the card should not have been locked. They offered an apology for " the inconvenience. '' I asked which controls that were to have been in place to prevent this failed. Bank of America will submit XXXX and XXXX reports and this will clearly appear as a qualified opinion.

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