BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-09
Company: Diversified Consultants, Inc.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Today    XXXX   XXXX   XXXX     I received a call from  XXXX . They asked for  XXXX   XXXX  and I said ( without thinking, he is my father ). The person then said this phone call is recorded and then hung up. I  may have a sked what this was about. I do n't exactly recall. I called the number back and found it is from  Diversified Consultants in    XXXX  WA. Given that my father is  XXXX  I wanted to know if this outfit is scamming him or hounding him. Given what I know of these types of companies I want to ensure that they don not take advantage of him or bother him. Also I did not try to talk to them because there have been outfits like this that will not divulge anything to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
validation letter, contract with my signature.

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 2021-11-23
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
I have been receiving XXXX since XXXX  I've been on XXXX since XXXX XXXX XXXX Medical Bills have been covered since XXXX To this date I have reports on my credit score the XXXX major credit agencies won't remove saying it is too late to bill my insurance.. I submitted insurance information during the time of visit, I also have been part of a medical billing program that covers co-pay portions... I sent the information to the XXXX XXXX, also to the XXXX hospitals billing department who issued the report.. To this date I still can't get the items removed even though I had valid insurance during the time of visit... This unfair reporting has caused me to continue getting denied for a home loan during a time my county is forcing my family to relocate due to property being bought for a new local jail... The damage of this unfair and inaccurate reporting is causing severe damage to the well-being of my children and family...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Credit Regulating Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
Multiple inquiries when applying for vehicle multiple inquiries on XXXX credit card and multiple inquiries by mortgage companies

Company response to consumer: Untimely response
Consumer complaint received 2022-05-04
Company: Figure Technologies, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022, I applied for a personal loan on Figures website ( www.figure.com ). My application was submitted with a pre-approval offer code that I received via mail. My pre-approval was for {$33000.00}. After going through the underwriting process, my final and updated offer was for a lower amount. I accepted the lower amount and completed all the steps required for funding the loan ( i.e., employment verification, signing disclosures, confirmed account for funds disbursement, etc. ). 

However, when I called back on XX/XX/2022 and spoke with an agent to see if there was anything else that I needed to complete, I was told that since the name on my California Drivers License did not match the name I provided on the application. He advised this was a compliance issue and that I could not proceed with the current application. It is incredibly frustrating that I was not told this was an issue earlier in the loan application process. 

I asked the agent what could be done to correct the issue. He placed me on hold to confirm what could be done to correct the issue and continue with the application. After coming back on the line, he advised that we could cancel the current application and that I could reapply through the same online portal and be given the same rate and terms. ( This was not correct as I was given a different rate and terms when I reapplied on XX/XX/2022. ) He advised me that I would be able to update my name on the portal. ( This was not correct as I was not able to update my name. ) After I completed this additional application and saw the updated offer ( {$19000.00} loan amount, $ XXXX  monthly payment, and a higher interest rate 26.909 % ). 

When I received the different offer, I called Figure back ( on XX/XX/2022 ) and spoke with a XXXX, a supervisor. XXXX was unable to provide me a valid response as to why I was lied to about the re-application process and was not given the same rate and terms as the agent had promised. There was confirmation that the agent would be given the proper level of coaching to ensure this issue would not occur with other potential customers. The only option he provided was to either proceed with the updated loanwith the higher rate and termsor cancel the application altogether. When I asked about the potential option for re-opening the previous loan application, he told me that was not on the table since their underwriting is automated and could not be updated. 

Clearly, I am frustrated with Figure and their ability to provide me accurate information throughout the application process. The bait and switch tactic is something that I also do no appreciate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: CA
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 received a letter in the mail on XX/XX/21 stating that I applied for a XXXX XXXX credit card and was declined. I did not apply for this credit card ; this is fraud. I would like this credit card inquiry removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-01-26
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Morning, My name is XXXX XXXX. My family applied for the hardest hit fund in Michigan due to a loss of my husband 's 15 year job. We were approved, however when my Michigan Hardest Hit fund case manager contacted Mr. Cooper on XX/XX/XXXX to pay our past due balance, Mr. Cooper refused to take payment until I attempted to modify my loan through them. We are not in bankruptcy. I filled out a Mr. Cooper modification request and over the course of a month submitted all documents. My Mr. Cooper 's modification was denied with no options for assistance. We started this process back in XX/XX/XXXX when were two payments behind. 

Now we are at risk of losing our home. Can you please help us? We ca n't afford an attorney, and my husband now has a good job, and we really want to stay in our home. I am grateful for the Hardest Hit Fund program, and do not take assistance for granted. 

I just do n't understand why Mr. Cooper refused to accept the hardest hit fund payment. 

Thanks so much for your time, XXXX XXXX XXXX Mr. Cooper Acct # XXXX Hardest Hit Fund ( Step ForwardCase Number # XXXX ) Advisor who spoke with Mr. Cooper XXXX XXXX- XXXX- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I just emailed the company regarding this today, XX/XX/2021, so I haven't heard back from them yet.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting 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:
I have filed multiple disputes for inquiries that are invalid and fraudulent, credit bureaus rrefuse to remove hese causing decrease in credit score

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 2023-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX, Please see attached and below - I am unable to log into my account online. I have tried calling your phone number and you make it impossible to reach anyone with all your prompts that do not work.

1 ) I want to be able to log into my Equifax account online at www.equifax.com 2 ) I want my Equifax account to be a free account.

3 ) I want full access to my account and be able to freeze or unfreeze it as I desire. 

As of right now - I am not able to login online. Please resolve as soon as possible. 

Attached are my drivers license, social security card, and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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:
Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed accounts below are erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX / {$1200.00} / XX/XX/2022 XXXX XXXX/ {$150.00} / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint with the Consumer Financial Protection Bureau to address an ongoing issue with inaccuracies in my credit report. In a recent letter to Experian, I provided documented evidence demonstrating that five late payments on my credit report, associated with the UNIVERSITY XXXX XXXX  account ( XXXX ), were falsely reported. These inaccuracies were proven to be erroneous due to my prior enrollment in autopay. 

Despite the compelling evidence presented in my dispute letter, my credit report has not been corrected. These inaccuracies have adversely impacted my creditworthiness, making it challenging to obtain credit and financial opportunities. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure the immediate and accurate rectification of my credit report. My primary goal is to have these false late payments removed promptly to restore my creditworthiness to its rightful state. 

I appreciate your attention to this matter and request your assistance in resolving this issue promptly.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2022, I sent my first letter tXXXX XXXX XXXX  requesting verification of Account number XXXX which was reported on my credit report. If I understand it correctly, they are required to follow reasonable procedures to assure maximum accuracy. They did not respond. I made a follow up letter XX/XX/2022, advising that if they failed to respond with sufficient verification and/or comply with the law, then they would be subject to fines and damages, per the FCRA. 

It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. Please remove the account from my credit report. I have given them more than enough time.

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Spoke several times to agency at XXXX XXXX XXXX XXXX XXXX regarding the delinquency reported on XX/XX/2023. They claim they did not receive written information. I have sent that via mail as requested dated XXXX  The account was not delinquent for XXXX XXXX A payment arrangement was in place ahead of time.

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 2018-01-30
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was denied a loan modification, twice in the last 2 years by Nationstar Mortgage. After hiring a lawyer and paying for a Mediation, the lawyer and bank have allowed my home go into foreclosure. I am also XXXX, XXXX  XXXX, for the second time and have owned my home since XXXX. XXXX XXXX XXXX ( I was with them for 26 years ) sold my Mortgage to Nationstar after I said I was filing a complaint against them for denying a HARP loan that I was eligible for. XXXX tried to tell me that I needed to be late with my payments to be eligible and I knew better because I had read the stipulations on the Government web sight. When I told them that I was filing a complaint because of false information, they sold my mortgage. Nationstar also told me to be late with payments and I told them it was not correct info. They promised to lower my payments through the Loan Modification Program.  After making the 3 initial payments, I was told to wait until I was notified about my new payment. After several months, I contacted them to find out what was going on and I was told that I had to do the loan modification again, because I didn't send payments, when I was told to wait. I again went through another modification and discovered that Nationstar was reporting me late to the Credit Bureaus. I had to hire a lawyer, who was in bed with the other lawyers and they " kicked the can down the road '' and I now am in foreclosure. I had an IRA that the lawyer told me to drain so that I could make Nationstar a cash offer. I had {$110000.00} and tried to make an offer, through my lawyer, and was never given a payoff amount. The lawyers have charged me almost {$20000.00} and I have accrued charges that are {$41000.00} over what I originally owed. I notified your agency at the beginning of the year, by phone, and NEVER received a complaint form. Thank You for your help with my situation. I have listened to XXXX XXXX and I appreciate ALL that your agency does to help us. We finally have a voice against these unjust practices. I am XXXX years old and have never asked for help and I really need it now. XXXX Bless and Thanks for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. TransUnion is fully aware of this, they have been notified by several federal agencies including the CFPB and still refuses to block and or delete the fraudulent accounts on my credit report. They claim they investigated, they have not provided any evidence of this scam investigation. They continued to violate the federal laws and my rights under federal laws. This intentional Defamation. Upon my investigation into Transunion, Transunion is generating revenue off the fraudulent information they are reporting on my credit report which gives them ZERO motivation to correct their errors. Im filing this complaint to verify that I have tried every legal way to resolve this issue with Transunion. We will be seeking {>= $1,000,000} Federal Defamation Lawsuit if this is not resolved in 5 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-19
Company: EQUIFAX, 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:
Never given contract. Investigation has taken over 30 days. All accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted.

Here as follows are items in error : 1 ) This reported balance is wrong. Its being reported as {$2000.00}. Thats not correct. The correct balance is {$0.00} as of last activity. 

XXXXXXXX XXXX XXXX Account # XXXX The reported balance is wrong the correct balance is {$0.00} Please update credit report Attached to this complaint is my written complaint, drivers license, and social security card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

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 2020-12-15
Company: Comerica
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i am being scam out of my benefits illegally by direct express and XXXX and when i call them they are still telling me the same lie that i were terminated in 2005 the same year the identity theft started and are now published on XXXX no. XXXX and XXXX as fraud. also, XX/XX/XXXX XXXX XX/XX/XXXXconfirm the fraud coming through the XXXX XXXX, me ssa office by an XXXX XXXX XXXX XXXX discover from an dental appeal with XXXX XX/XX/XXXX file XXXX and XXXX plan a, b, and d. also, irs advocacy group recently informed me that an appointed public official are committing fraud against me and abusing their power. i need direct express to explain where my benefits has been going since 2005 since odar employees are telling i got the money and still getting it now, a lie.they have ssi award approval letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion makes you jump through every hoop imaginable and when you actually finally got bits and pieces of your credit report you can't even get your score. On XXXX XXXX I can only dispute XXXX item and on their own website for TU I can only dispute XXXX thing at a time and they make the process tedious and unmanageable. I can never get my XXXX XXXX and I can never get a full copy of my credit report no matter how many times I ask and how many times I send in picture ID and other evidence of whatever they want. It's constantly a game they play.

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