BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't 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 XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. 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 n 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 I prefer to speak to a us rept but they refused 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 n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXd now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: AMERICAN EXPRESS COMPANY
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:
I pulled my credit report and it showed an Amex business account with an outstanding balance. I contacted them and found out that this outstanding balance was created by a charge made that I did not authorize or make. 

Charge : XXXX XXXX XXXXXXXX - {$1800.00} Date XX/XX/XXXX Case ID # XXXX - Card Type : XXXX XXXX XXXX Preferred Guest I spoke with the disputes department who advised me to file a police report for the fraud and send them a letter to dispute the charge with a copy of the police report. I did so on XX/XX/XXXX. I called in last week to check on the status and was told that the case was closed and that they " Validated '' the charge and thus I was responsible for the amount. I asked how they verified the charge and if they had any information I could forward to the police investigator. They would not answer my questions about how they verified the charge only that they did. 

I am seeking help with resolving this matter as I do not agree that I should be responsible to pay for a charge I did not make. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Disputes obviously not being investigated properly or with due diligence. If they were then the item would be removed as it should be. There is no explanation given as to the results in regards to who they called, talked too, and no justification to back their decision or investigation results. Its just a repetitive process with no communication or details given. This is a process that needs so much improvement. We have to provide documentation to back what we say up. They should do the same.. I have several accounts I cant get taken care of as a result.

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 2022-02-09
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2016-09-29
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX an alleged Attorney Firm, but debt collector defined in the FDCPA along with XXXX XXXX, XXXX XXXX and Nationstar Mortgage has criminally engaged in XXXX, abuse and harassment XXXX against the named consumer and her family, household.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance : {$2300.00} ; XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX : {$2700.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5000.00}.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Had all 3 companies unfreeze accounts last week to get a bank loan, was told by bank rep that XXXX was still frozen, called XXXX twice and was told it was not frozen. Did not get loan approved. 
Just tried to get my free annual report from all 3 agencies, keep getting error messages about my identity not verified. I think someone may be trying to use my identity for a crime. Please advise asap.

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 2016-09-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Foreclosure-Illegal Process and Guidelines. 

My home is scheduled for Foreclosure Sale XX/XX/XXXX - TOMORROW. I have been told I am in a Trial Modification without my receiving any documents for me to sign. I only received information in a Monthly statement ( via mail ) that my monthly Trial Modifications were to start XXXX and payment needed to be received ON or Before XX/XX/XXXX. How can I have until XX/XX/XXXX BY LAW to make my monthly payment but have a SALE OF MY PROPERTY XXXX XXXX? This to me is against the LAW! Please assist with correcting this to protect me as a consumer. This does not seem to align with what 's law. NationStar now says I have to have my payment in by XX/XX/XXXX to stop foreclosure proceedings for XX/XX/XXXX. This is not right. They refuse to disclose any terms of a permanent modification ; and their papers say this is Trial Modification Offer not Trial Modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Aspen Yo LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, like so many other American families, my husband lost his job and was initially told he did not qualify for unemployment. That decision was reversed but trying to refile proved impossible. My salary was cut by 35 % beginning XX/XX/XXXX, and was not restored until XX/XX/XXXX. I sent a fax to my mortgage servicer back on XX/XX/XXXX, to which I have not yet received a response all these months later. And this was after spending 5 months trying to reach someone by phone. I filled out the forbearance paperwork that was available on their website, I gave detailed information as to why we had fallen behind and I communicated my intent to sell the house. Fast forward a few months, I have now caught up on all my payments ( the next payment due is XX/XX/XXXX ), and I was also able to catch up on my past due XXXX tax payments, which I have paid myself almost since the inception of this loan. As I was trying again to contact the servicer, they sent me a letter that I received on XX/XX/XXXX advising me that as of XX/XX/XXXX, they would start escrowing for my taxes because I was behind. I immediately called and advised that the amount they had was incorrect, and that I had also scheduled my payment for the full ( and more importantly, correct ) amount that I still owed for the tax year for XX/XX/XXXX. I was told they had already sent payment, which was not true, and when I explained that the third party that they were relying on for information had the amount wrong, Gregory  Funding pretty much just shut the conversation down, and told me someone would be in touch. My payment posted, and last week suddenly a credit balance of {$7400.00} appeared on my tax account. I again attempted to reach someone at Gregory, and was told by customer service that " the legal department was reviewing '' and someone would call me back within 30 days of my original call to them. That is still a week away, and I have a tentative closing date for the sale of my home set for XX/XX/XXXX. Because of their error, they've assessed my account with a negative escrow balance and they have almost doubled my mortgage payment. I need a swift resolution on this so that I can close on schedule.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: Global Processing Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
received fraud collection call voicemail stating the below from phone # XXXX didn't identify who they are, what the debt is or who they were calling for. 


" we are following legal paperwork with your county in your state within the next 24 to 48 hours due to an unresolved charge of that if you want to prevent any legal filings we are offering an economic hardship settlement in the amount of {$280.00} to pay off your account and prevent any legal action from taking place for more detailed information on how to take advantage of the settlement opportunity you can contact our office directly at are code XXXX. 

this person didn't identify who they are, who the company is, what the debit is, or who they were even calling for. as a govt agency it is literally your job to handle the complaints put forth to your office but as past notices have gone unworked by your office I have very little expectation that anything will be done about this complaint! would be nice to see that the money stolen from our pay actually goes to people working will see if you guys can actually do your XXXX jobs!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: OR
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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2021-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank of America charged me a fee of {$12.00} on XX/XX/XXXX. I dispute this fee and request it be reversed. I spoke for 56 minutes to customer service on XX/XX/XXXX, but they refused to reverse this fee. I have been a Bank of America account holder for 22 years and this is the first charge I have seen of this nature. I received no notice of this fee and it is not listed in my Schedule of Fees. I still have my Deposit Agreement and Schedule of Fees from when I opened my account. In 22 years, I have never received an updated Deposit Agreement or Schedule of Fees even though the Deposit Agreement I have says Bank of America will provide advance notice of changes. The Schedule of Fees I have does not mention a XXXX XXXX monthly maintenance fee when my account balance falls below {$1500.00}. After 56 minutes on the phone, no Bank of America representative could tell me when I received advance written notice of this fee. I request it be reversed. It is a shame Bank of America does not value its customers of 22 years.

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: EQUIFAX, INC.
State: HI
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 Furnished Is In Violation Of Privacy & Confidentiality Under 15 USC 1681 Account Name 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 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 15 U.S.C 1681 Section 602 A. States I Have The Write 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 16811c. ( a ) ( 5 ) Section States : no consumer Reporting agency may make any consumer report containing any consumer report containing any of the following items of Any other adverse item of information, other than than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any Information relating to 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 2023-07-13
Company: Experian Information Solutions 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:
Hello, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

These accounts haven't been late since 2019. The information is inaccurate. Please remove late payments from below accounts. 
DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Is current. 
XXXX XXXXXXXX XXXX XXXX - XXXX - Is current. 
XXXX XXXXXXXXXXXX XXXX - XXXX - Is current. 
XXXX XXXXXXXX XXXX - XXXX - Is current.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$160.00} XXXX XXXXXXXX XXXX XXXX : {$30.00} ; XXXX XXXX XXXX Balance : {$210.00} XXXX  XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX**** Balance : {$170.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  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 2023-02-01
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Someone unlawfully used my information to open a XXXX XXXX XXXX credit card in XXXX XXXX Texas on XX/XX/22. I live in New York. On that same day they purchased {$1300.00} worth of merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation