BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
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: Information belongs to someone else

Complaint:
I sent a letter to XXXX XXXX XXXX on XX/XX/2022 and got no response I also sent letters to Experian on XX/XX/2022 to explain how they verified this account with proof of letters that the account is in another individuals name and not mine. Did not get an answer to how they verified the information. 
Sent letter to XXXX XXXX XXXX on XX/XX/2022 and got no response again. 
Sent letter to Experian again on XX/XX/2022 and got no response from them as well. 
Neither company has provided any documents to me explaining how this account is on my report. No proof and not even one response from creditor.

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 2023-09-13
Company: Experian Information Solutions Inc.
State: MA
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:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 called up the credit reporting company. 
I had ask them to investigate the amounts shown. 
They said it was updated but the balance is the same. 
You can see that 15 Payments were made but not deducted from the balance. 
XXXX was my Payments at that time. 
I am on full XXXX XXXX due to a XXXX  XXXX XXXX  that was done twice. 
Please help..

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 2022-09-24
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$3600.00} ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$690.00} ), XXXX XXXX XXXX ( AccountNumberXXXX, Open Date XXXX XXXX, XXXX, Balance : {$11000.00} ), XXXX XXXX  ( XXXX, Open Date XX/XX/XXXX, Balance : {$3500.00} ), XXXX XXXX XXXXXXXX XXXX Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$2500.00} ), XXXX  XXXX XXXX Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2015-06-13
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Transaction HistoryI have an FHA loan, that was originated by XXXX XXXX XXXX, with an escrow account, which was established during the proceedings of the loan. The escrow was a requirement for disbursement of the loan. A schedule of financial disbursement from the escrow account was also within the loans associated paperwork. The loan was finalized on XX/XX/XXXX. My loan was then sold to Nationstar Mortgage and my first payment to Nationstar was recorded as XX/XX/XXXX. The next scheduled disbursement from my escrow to my insurance provider was to take place XX/XX/XXXX. 

The IssueThe funds allotted within my escrow for my home owners insurance/hazard insurance where never disbursed to the agency on the scheduled date. Nationstar continued to collect escrow payments for the months of XXXX and XX/XX/XXXX with out disbursing the funds to my insurance provider. When my insurance was canceled due to " Lack of payment '' in XX/XX/XXXX Nationstar then within that same month purchased Force-Lender insurance through XXXX that same month. I lost my homeowners insurance policy and had to pay a considerably higher premium for the Forced-Lender insurance provided by XXXX. 

Other FactorsI thought that under the Real Estate Settlement Act - Section 6 it was the responsibility of the mortgagor to distribute funds to the insurance agency in a timely manner in order to retrain the current policy. 

I can also do not understand how my mortgagor after not paying the insurance agency from my escrow could justify purchasing an insurance policy with such a substantially higher premium that exceeds that of any major provider. More especially so given the fact that Nationstars affiliated and/or subsidiary organization XXXX XXXX XXXX allegedly receives incentives from XXXX for placing borrowers on there insurance policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
I was looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX XXXX and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, 2022 I sent a letter and a copy of my FTC identity therft report to report that I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit les. I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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 2021-06-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I leased a XXXX XXXX  XXXX at XXXX XXXX  in XXXX, Washington on XX/XX/2021. I have had many new XXXX  model vehicles. At the time I leased my XXXX, I paid the first lease payment prior to delivery. 

By the end of XX/XX/2021, I had not yet received any account information by mail from TFS. I started to call Toyota, and received the typical unhelpful customer service. Nobody could help. Nobody could find the vehicle. No account existed. I was referred back to my leasing dealer. 

My leasing dealer continued to fail to do their part to get my account finalized with TFS. They told me I should make my second payment ( due XX/XX/2021 ) with them and they would send it on to TFS. I did so on XX/XX/2021. At this point, I had made two payments toward my XX/XX/2021XXXX  lease. 

I continued to call and continued to receive unhelpful and/or downright rude customer service from TFS and its first level customer support representatives. 

Finally, after getting fairly assertive about my account with both TSF and XXXX XXXX, TFS created my online account on XX/XX/2021, just a few weeks short of my third payment due date. 

As soon as I learned the account was created, I logged on. Unfortunately, I saw at this time that my account was two weeks past due for reason that my second payment of {$590.00} had not been credited to my account. I immediately made a third payment toward my lease ( This should be the payment which is due on XX/XX/2021 ). 

I began calling again. TFS agents hung up on me, told me to just pay another payment to avoid a problem, and generally gave me the same dumpster fire-level customer service that has become the norm. I was referred back to my original leasing dealer, XXXX XXXX. 

XXXX XXXX response ( through their finance Director ) was to give me the back end telephone number for TFS Dealer Financing department, their dealer code, and tell me to contact TFS. 

I called the TFS Dealer Financing Department and reached a person named XXXX. He was alarmed that a dealer gave me the back end telephone number and code to reach him, offered no assistance, and created a report of the incident presumably directed at the dealer. 

I next called TFS customer service and demanded a supervisor. I received one. I explained this situation yet another time, and was told I needed to fax my banking information and receipt over to TFS. I am now doing so. I demand you fix this issue and resolve my account so that I am not doing all of the work for TFS, Toyota Motor Co., and XXXX XXXX. To date, Ive done more work on this than any of these parties and Im the customer. I have paid 3 payments already. My account should reflect such. 

Please help me fix this since I appear to not be making much headway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: MD
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 placed my student loans under bankruptcy and received a discharge.

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 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 placed my student loans under bankruptcy and received a discharge.

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 2021-06-22
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: NY
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 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 explanation
Consumer complaint received 2023-03-03
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: Information belongs to someone else

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-01-18
Company: THRIVE MORTGAGE, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter on XX/XX/XXXX from Thrive Mortgage dated XX/XX/XXXX requesting that I contact my homeowner 's insurance provider ( XXXX XXXX  ) and request a refund for the principal paid for the current year 's coverage. This refund was requested from Thrive because they informed me that they had made a {$940.00} payment to XXXX insurance for coverage on my property. This payment to XXXX was made in error. I have never had any association with XXXX insurance and never requested this change to my homeowner 's insurance policy. On XX/XX/XXXX, I called Thrive Mortgage to explain the situation to a representative in their insurance department. The representative understood the situation, changed my account 's insurance policy back to the ( correct ) original policy, but informed me the payment will remain on my escrow account until a refund from XXXX was received. She assured me this would be taken care of within 10-15 days. On XX/XX/XXXX, my escrow analysis was uploaded by Thrive Mortgage. The {$940.00} payment made on XX/XX/XXXX to XXXX was shown on this escrow analysis. This erroneous payment will cause a ~10 % increase in our mortgage payment starting XX/XX/XXXX. On XX/XX/XXXX, I called Thrive Mortgage again because the 10-15 days had passed and the issue had not been taken care of. I again told another representative from the insurance department the situation. She again initiated the process of requesting a refund from XXXX insurance, assuring me that the refund should be processed within 14 business days and that the payment could not be removed from my escrow analysis until the refund is processed. On XX/XX/XXXX, I sent an email to the Customer Care department explaining the situation as well as detailing the timeline of the previous two phone calls. I did not receive a response to this email, so on XX/XX/XXXX, I called Thrive Mortgage to verify the receiving of this email. The representative was unable to find the email, so instead, I verbally explained the situation to her. She transferred me to a supervisor who assured me the complaint would be " expedited '' and taken care of by XX/XX/XXXX. 

As you can see, I have made multiple efforts over the last ~45 days to explain to Thrive Mortgage that I have never had any association with XXXX insurance and the payment made on XX/XX/XXXX from my escrow account was made in error. I understand Thrive Mortgage 's pursuit of a refund for an erroneous payment, but I do not understand why the threat of a higher escrow payment has remained on my account during this process since I have no responsibility for the error. Thrive Mortgage 's unwillingness to remove this burden from my account has caused my partner and I considerable harm due the XXXX caused by the upcoming higher mortgage payments.

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 2015-06-12
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Unjust Enrichment of my Escrow monies on a new loan originated on XXXX XXXX. 
" I received your reply dated XXXX XXXX, XXXX. 
I still contest the ledger on my escrow account is wrong. The investigation is not conclusive in regards to my request because it does not address the core issue with the accounting of my escrow monies. The escrow transfer credit on line XXXX is the correct amount @ {$7000.00}, but these funds were intended to be paid out at the time of closing to our Village and our Insurance company for XX/XX/XXXX invoices. The estimated escrow payment at origination was and still is enough to cover all of the escrow expenses that have occurred, and the projected expenses for the near future, with the overage originally calculated and applied. 

Your letter is showing a negative adjustment to the escrow account for {$7000.00} ( I 'm assuming to fund the taxes and insurance ), which would put the escrow balance at {$1200.00} at the time of closing. But your reported escrow balance is not true because Nationstar did not pay the entire property tax bill at the time of closing. The starting escrow balance, and our escrow payments in XX/XX/XXXX were enough to fund the taxes and insurance for XXXX, XXXX, and will be for XX/XX/XXXX. ( Including escrow padding ) The amount of {$3400.00} was not an 'advance ' in XX/XX/XXXX, it should have been CREDITED from your stated escrow balance of {$8200.00}. And the tax payment was short, and I had to contact Nationstar to make the additional payment of {$2400.00} in XXXX XXXX - which is a LATE payment. This amount should also have been credited from the stated escrow balance. These XXXX payment total {$5900.00} to the Village of XXXX XXXX - not {$7800.00} ( as stated in your reply letter ). Also, at the closing Nationstar cut a check to XXXX for hazard insurance for {$1200.00}, which should have been credited from the escrow balance. Nationstar 's ensuing management of my escrow monies and account charges are negligent at best. And the amount of harassment put, as a responsibility on me is unjust and erroneous. The errors have all occurred as a result of Nationstar mishandling my escrow ledger. This was election I made to make my accounting simpler - I do n't need to have an escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CITIBANK, N.A.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the 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 explanation
Consumer complaint received 2023-01-12
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:
In accordance with the Fair credit Reporting Act the list of accounts below has been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights 15 USC 1681 section 602A, 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 USC ( a ) ( I ) 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 explanation
Consumer complaint received 2020-02-13
Company: General Motors Financial Company, 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:
I had a leased XXXX XXXX through General motors FInancial, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with Gm Financial on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that Gm financial makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at G M Financial accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.

Company response to consumer: Closed with non-monetary relief