BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

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 2022-12-23
Company: Experian Information Solutions 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 have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681. 

Account name : XXXX XXXX University : Account # XXXX Account name : XXXX XXXXXXXX : Account # XXXX Account name : XXXX XXXX : Account # XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Account name : XXXXDept of ED : Account # XXXX Account name : XXXX XXXX Account # XXXX 15 U.S.C . 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an 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 and other adverse items 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 ) states 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 2022-02-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have my mortgage with chase bank. I called on XX/XX/XXXX to injury about how to drop my PMI ( private mortgage insurance ). I was told that I would have to get a broker price opinion ( BPO ). I was asked if I consent to a BPO which I stated I did. I gave my bank account information over the phone for a amount of {$150.00} fee for the BPO. I was told that the BPO would need to be scheduled within 7 business day. I agreed. After 10 business days, I did not receive a call scheduling the BPO. I called Chase back. There were many " issues with computers '' and ultimately chase could not find my request despite all phone calls being recorded. After the representative asking to call me back, not calling the right number I gave her for a call back etc, I consented again and gave my verbal consent for BPO and bank account information for a {$150.00} fee. I did see this fee get charged and placed on my mortgage account. I then waited another 10 business days and called Chase back. I was told that the funds were processed incorrectly and that the {$150.00} went to the principle. I explained that I still had not received a call from a BPO agent and since this had been well over the initial 7 business days this should be expedite. I was placed on the phone with an " expedited case manager ''. I explain to him that I would like to know what BPO agent was assigned to my account given it had been greater than their policy of 7 business days. The expedited case manager could not help. I believe this is fraud as they are holding my funds of {$150.00} and not providing the service promised. I have spent approx 10 hours on the phone with chase to resolve this with no resolve possible. 

I had finally been contacted by a bpo agent completing a BPO on XX/XX/XXXX. I was told by this BPO agent that the BPO was submitted by XXXX on XX/XX/XXXX. I received a call from the executive office XXXX XXXX on XX/XX/XXXX. I asked her for an update as the bpo agent stated that chase would have the bpo by Tuesday. She did not have one to provide. I called back on Friday many times after I tried to leave a message and it would try to disconnect me. I was told by XXXX that she escalated my case. I asked her for an average time one should expect to hear the result as a BPO. I was not given an answer. I was told by XXXX that she would call me to update me on Monday. I did not hear from her on Monday XX/XX/XXXX and therefore called her at XXXX. I was told again that she escalated the case. I asked her how long one would expect a case to be escalated until they hear back. She was unable to give me a time frame. I explained to her I would be filing another complaint as well as calling morning and afternoon daily until this is solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: AL
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:
According to the fair credit act I have a right to send valid information to the credit bureau and ask they correct a mistake on my credit report.i have an account on my credit report that is inaccurate and it have hurt my ability to obtain credit and get a house because of this mistake. They have been reporting this account inaccurate for a long time if you would look at the attachment you will chargeoff. Chargeoffs don't have a payment history but they have continued to report this account inaccurate. This account is paid in full and the payment history should not show charge off and I went to the company and got a letter and the attachment shows the account as paid. This inaccurate information needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Optio Solutions, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Found out about this fraudulent charg, {$550.00}, from XXXX credit reporting agency and have made 2 calls to Qualia Collection Services. Left my name and phone number, along with the Qualia account number. Have not received a call back concerning this claim and have disputed the {$550.00} claim at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: FIRST PORTFOLIO SERVICING INC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX makes it so that automatoc payments scheduled for the min due date post late and consumers incur crazy interest payemnt like {$80.00}. 

They have reporter a late payment to my credit report and when Ive asked to settle this and close my account in exchange for them removing this from my credit report they asked me for {$800.00}, but my account balance is only {$360.00}. 

Please make this company do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Information belongs to someone else

Complaint:
This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of XXXX, Nationstar Mortgage contacted me about requiring my property to have flood insurance based on XXXX updated maps. Knowing this was a mistake, I started into doing the research to get this corrected. In XXXX of XXXX, Nationstar Mortgage informed me that they have obtained flood coverage on my behalf and debited my escrow account. In the fall of XXXX, I obtained all the documentation to submit to XXXX for a Letter of Map Amendment. In XXXX of XXXX I received the Letter of Map Amendment removing my property from the flood plain. In XXXX of XXXX, Nationstar Mortgage released my obligation to have flood insurance. Nationstar refunded a prorated balance of the insurance premium. I should have been refunded the whole premium based on accompanying documents with the Letter of Map Amendment and XXXX Flood Insurance Program " Cancellation and Nullification '' document reason # XXXX. 

My request for full reimbursement of premium is based on XXXX 's document titled " Addition Information Regarding Letters Of Map Amendments '' provided in the XXXX cover letter doc. Paragraph XXXX of this document states : " If a lender releases a property owner from the flood insurance requirement, and the property owner decides to cancel the policy and seek a refund, the XXXX will refund the premium paid for the current policy year, provided that no claim is pending or has been paid on the policy during the current policy year. The property owner must provide a written waiver of the insurance requirement from the lender to the property insurance agent or company servicing his or her policy. The agent or company will then process the refund request. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Since XX/XX/2022 I have been trying to cancel/close my VENMO account. Despite numerous emails, they continue to say it is frozen and can't be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We obtained a loan with Nationstar Mortgage LLC. A Deed of Trust was recorded on behalf of Nationstar in relation to that financing ( on or about XXXX XXXX, XXXX ) ... but on XXXX XXXX, XXXX there was an additional Financing Statement recorded on behalf of Nationstar. Please see attached preliminary title report. We are now trying to refinance with a new mortgage company and can not get Nationstar to release the UCC # 3 document which would release this XXXX lien they recorded on our property. We believe that they mistakenly or fraudulently placed this XXXX lien on our property. We have tried to obtain the UCC # 3 document from Nationstar since XXXX XXXX, XXXX. We have contacted them numerous times by phone and email and they give us no reason why they cant give us the UCC # 3 document or why the lien was even placed on the property. The individuals that we have been in contact with are no longer answering our requests. No one will call us back and no one seems to know what is happening with our request. In other words, I feel like we are getting the run around from Nationstar. More details can be provided if necessary along with names and email addresses of those individuals we have been dealing with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
XXXX and Experian continue to report this account improperly. This account is paid in full please update this account to reflect as such.

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 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Please see documentation attached. I have tried to get this dispute solved/corrected and remedied. The company, XXXX XXXX XXXX XXXX XXXX, has ignored my efforts and left me with uncertainty and confusion. This is causing hardship to me and my ability to obtain credit because of their consistent reporting/furnishing of negative information to my credit reports ( XXXX, Transunion, XXXX XXXX ). I am giving the company an opportunity to cure and remedy this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XXXX XXXX, XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX. Open/closed Open The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2022-02-28
Company: Ascendium Education Group
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a civil suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am a retired Veteran of the XXXX XXXX XXXX XXXX XXXX. I am a retired XXXX XXXX XXXX, I have put my life on the line for my country and state. It is unfortunate to have a credit scoring company become the demise of my exitance here on earth. The erratic fluctuation and inaccurate accounts of my report are hindering me form attaining a vehicle or loan and an affordable rate. I have sacrificed and put kids through college, donated my time to help others and now this. 

I am asking that the good government that I placed my trust in all of these years step in and do better. My credit score is lower than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In XXXX of XXXX XXXX mortgage took away my ability to pay over the phone. This caused me to have to mail the payment to XXXX 's Po Box and the payment was applied late due to processing. I did complain and was told that there was nothing I could do about it and it counts as a 30 day late even though there are 28 days in XXXX. 
In XXXX I still had to mail the payment in which I did so by USPs priority mail. I received a letter from XXXX stating that I had mailed the payment to the wrong PO BOX and it provided me with the correct PO BOX to mail future payments too. the letter was dated XX/XX/XXXX however I still received a 30 day late on my credit report. This caused my XXXX refi to not go through because it shows two thirty day late charges. XXXX has refused to remove the charges and I can not continue to pay a 5.25 % interest rate which I have been paying since 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 explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: MI
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 complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation