BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE NEGATIVE ITEMS DOES NOT BELONG TO ME, THOSE NEGATIVE ITEMS HAVE BEEN DAMAGING MY CREDIT WHICH I WAS UNAWARE OF. PLEASE DELETE THE NEGATIVE ITEMS OFF MY CREDIT.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues.

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 2023-08-02
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:
Texas Tenant Law states that if a tenant is a victim of domestic violence and the abuser is also on the lease then the victim can move without any notification to anyone. Also i am not held responsible for any of the remaining balances. Ive attached a copy of the police report as well as the tenant laws for your records.

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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
The XXXX XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted 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 2023-03-04
Company: ERC
State: CA
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:
Improper use of your report 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-21
Company: AMERICAN PACIFIC MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a supplemental tax bill from my local county tax collector in early XX/XX/XXXX with a bill for {$300.00} that is due on XX/XX/XXXX, XXXX. I called my mortgage servicer, American Pacific Mortgage and was instructed to scan and send the bill via email to their email address, XXXX. I emailed the bill to them on XX/XX/XXXX. I did not receive a response from them confirming that they received or paid the bill. I sent an email on XX/XX/XXXX to follow up to see if they had received my request and again I didn't receive a response. I called again on XX/XX/XXXX and was told that in order to process the tax bill, I need to hand write a letter, sign it, scan it and email it to the same email address provided. I sent an email with the letter of authorization on XX/XX/XXXX and did not receive a response. I called again today, XX/XX/XXXX and was told that the tax bill was still not being processed and that there is a 7 day turn around to get it processed, the 7 days starting today, and it may be sent late. American Pacific Mortgage has continually failed to take action on my requests and instructions and has failed to provide the service for which I have paid them.

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 2023-06-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
this company is reporting as a charge off and attempting to collect a debt even after providing proof of a chapter 7 discharge and a letter from my attorney. 

all three credit bearus have been notified and have not updated their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, 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:
I've been disputing my credit file with XXXX, XXXX and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX  Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Though multiple disputes over Private Mortgate Insurance ( PMI ), I contacted XXXX to confirm that my payments were being paid on time and accurately. I found out that I should n't have been paying PMI for 7 months and when I asked for a refund they never called me back! I left messages on XXXX, XXXX, XXXX and then on XXXX, XXXX and XXXX their phone number is not connecting to the PMI group and nobody will answer the phone. The company did send me a letter on XXXX XXXX to confirm I did n't need to pay the PMI and they would stop deducting it but it was still deducted on my XXXX statement! How can I stop this from continuing when I ca n't even reach the company? 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged exhorbitant late fees at Wells Fargo, several times from XXXX to XXXX. 

In some cases there were multiple charges in a single day, which I consider abusive.

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 2020-03-31
Company: EQUIFAX, 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:
Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX 1

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I'm filing the following complaint on behalf of my elderly mother/patient with who is a XXXX XXXX XXXX against provider : XXXX XXXX XXXX XXXX XXXX Service : Ambulance Service for XXXX XX/XX/XXXX. Complaint regarding provider not properly billing copay cross claim and erroneously sending copay to collection agency. 

When XXXX sent initial statement for copay {$200.00} on XX/XX/XXXX. I contacted XXXX customer service dept. on XX/XX/XXXX at XXXX and spoke to a representative and provided XXXX XXXX CA XXXX XXXX ID XXXX number informing provider that my elderly mother had XXXX XXXX to cover copays , coinsurance and deductibles, in addition to her primary insurance XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX I was inform to allow 30-45 days for claim processing. 

On XX/XX/XXXX, I sent an email to provider XXXX at ( XXXX ) to follow up on billing issue since XXXX continued to send monthly billing statements. XXXX XXXX customer service dept. responded on XX/XX/XXXX, stating account was updated and info forwarded to billing dept. for processing and to allow 30-45 days. 

XXXX failed to take the appropriate action to bill and/or never submitted the claim to the XXXX and instead sent the account to collections and violated the federal law that prohibits XXXX provides from billing XXXX Qualified XXXX Beneficiary program recipient for any XXXX Cost-Sharing copays, XXXX and deductibles

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: EQUIFAX, 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:
First and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX XXXX XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ).

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that XXXX produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the following XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have lost faith in nationstar mortgage, after they baught out XXXX.natiinstar has constantly had misinformation, about my current loan.i was told i would get an escrow overage check in XXXX of over XXXX have not recieved said payment.i have talked to many reps at nationstar to date.ihave continually met a fight to get the correct information from any XXXX reps from nation star.i had submitted a complaint to nationstar about my principal payment being so low and my interest and escrow are way offset! at that time i have decided to withhold payments until i can get help on this issue.i requested a full ecrow printout, and a full payment history with nationstar.i am also going back to XXXX for the same information.i can not afford a private attorney.so here i am.i get no resolve from reps answers at nationstar, noone has the same dates, amounts, or basic information.i believe that they are in breach of basic contrct.die to misrepresentation of funds information, and basic accuracy of said mortgage information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I NEEDED HELP WITH MY MORTGAGE PAYMENT. I APPLIED FOR ASSISTANCE IN XXXX XXXX. NO WRITTEN DECISION HAS BEEN ISSUED BY MY SERVICER, NATIONSTAR. INSTEAD THEY HAVE SCHEDULED A FORECLOSURE SALE FOR XXXX/XXXX/XXXX. AFTER SEVERAL MONTHS OF REVIEWING MY FILE THEY MAKE THE CLAIM THAT THEY ARE MISSING PAGES XXXX OF THE REQUEST FOR MORTGAGE ASSISTANCE APPLICATION. NATIONSTAR IS EITHER AN EXTREMELY SLOW READER OR THEY HAVE NO REAL INTENTION OF PROCESSING MORTGAGE ASSISTANCE REQUESTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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: Problem with personal statement of dispute

Complaint:
Experian once dropping the ball. Here we go again my points dropped XXXX points for no reason nor changed to my credit report. Same compliant I submitted a few months ago and experian immediately fixed the issues. 

Why again are they doing this mistake?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Previous filed complaint # XXXX. Company responded to inquiry but when cause of problem was discovered to be different than complaint, company was not required to do anything other than what was submitted on complaint. therefore filing new complaint in attempt to resolve situation. 

My previous mortgage company was XXXX XXXX. I made a scheduled payment to XXXX on XXXX 2014 ( exhibit XXXX ). 

In XXXX of 2014 Nationstar purchased my loan. Nationstar said they did not show a payment being received for XXXX. Nationstar also reported that XXXX ( previous Lender ) had applied a charge of {$390.00}. 
Nationstar supplied requested financial history from XXXX that showed {$500.00} payment being received and did not show a {$390.00} fee. ( Exhibit B ) Nationstar then reported that only a partial payment had been received. ( Exhibit XXXX ) Nationstars requested financial history shows no partial payment, but does show the {$390.00} previous lender charge as well as multiple charges for inspections and late fee. ( Exhibit D ) I have contacted every representative they have sent me contact info for since XXXX of 2014 and have left approx XXXX voice mails for these representatives and have only been contacted XXXX ( XXXX ) time. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
( Exhibit E-H ) Nationstar continues to place flyers on my door imploring them to contact them and threatening foreclosure, but then refuses to return my calls. ( Exhibit I ) I had a contract with XXXX XXXX to pay back taxes from XXXX to XXXX of 2014. This put my payment amount at {$500.00}. I paid this amount in full. ( Exhibit J ) My current payment is now {$240.00}. I have been paying these amounts correctly and timely against the recommendations of Nationstar representatives when I call in to pay. 

I have made every payment I am required to make to both XXXX and Nationstar on time. On XXXX separate occasions Nationstar refused to take my payment because it was not the amount that they said was due. I am and have been paid up to date on all of my contractual obligations and yet Nationstar continues to try to force me to pay inspection fees and late fees as well as an mystery {$390.00} fee that they can not explain. Nationstar is trying to foreclose on my home because it has equity. Their claimed late payments has damaged my credit. 
I am requesting and imploring for some type of assistance against this criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: DISCOVER BANK
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:
On XX/XX/XXXX, I inserted my Discover credit card into an automated pump at a XXXX XXXX XXXX in XXXX, FL and after entering my zip code got a message on the pump 's screen that read " SEE CASHIER '' ; I was in a bit of a hurry and pulled up to the next pump, inserted my Discover credit card and zip code and got the same message on the screen. This time, I went inside and told the cashier, she said that I could purchase gas inside the store. I did not want to do that because I was afraid that I would be charged twice, so I left that XXXX XXXX never having lifted a single pump, or putting any gas into my car a XXXX XXXX XXXX ( only takes gas as fuel ). It should be noted that the gas pump never displayed the typical message when a credit card is authorized to pump gas, such as, " lift handle and dispense fuel. '' About an hour later I got gas at another XXXX XXXX station in another part of XXXX. A few days later, I noticed a pending charge of {$120.00} from the XXXX station where I never pumped any gas. I called up Discover Card and notified them that I did not pump any gas and they told me that the gas station put a hold for {$120.00} and that it should drop off in about a week. That did not happen, instead the charge posted. I disputed the charge, and also appealed Discovers ' finding that I owe the {$120.00}. When Discover sent their letter dated XX/XX/XXXX, only then was I informed that the charge of {$120.00} was for diesel fuel -something I couldn't pump into my car because my car only takes gasoline. I filed a Police Report in XXXX regarding the incident and that my Discover credit card had been used without my authorization, and that this is a fraudulent charge. I had tried unsuccessfully to resolve this matter with the XXXX XXXX station and they just denied responsibility and pointed to Discover Card. Discover Card states a {$0.00} Fraud Liability Guarantee, however, they apparently do not stand behind this policy. I never authorized anyone to pump diesel fuel. I drove away from the XXXX gas station without pumping any gas, either their pump malfunctioned, the cashier didn't clear out my credit card information, or Discover Card made a mistake authorizing the charge. I notified Discover Card as soon as I saw that a charge of {$120.00} was pending, told them that I never pumped any gas and that this was not authorized by me. Discover Card had the opportunity to deny that charge and not post it to my account since I had notified them that the charge was not authorized and fraudulent. I submitted a pdf of the Police Report that I had filed to Discover, even that did not change Discover Card 's view of this matter.

Company response to consumer: Closed with explanation