BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I visited a dental office named XXXX XXXX XXXX here in XXXX, Texas. My dental visit entails just regular XXXX XXXX XXXX XXXX XXXX  I have XXXX XXXX, being covered for the services was not an issue. Per my review of the XXXX explanation of benefits, the entire visit was covered and I had a {$0.00} balance for the visit. However, I recently checked my annual Transunion credit report. To my shock and surprise, a XXXX XXXX  via XXXX XXXX XXXX XXXX ( Which is the Parent company for XXXX XXXX XXXX ) performed an account review " credit check '' on XX/XX/2022. To the best of my knowledge and according to the Fair Credit Reporting Act, they need my permission for that. My first concern is, can a healthcare provider check my credit without my consent or knowledge? I wasn't applying for credit to pay for any services. My insurance paid the entire bill. ( I have documentation up request ) I didn't request to be screened for a medical loan of any kind. Nor did the provider ask to be considered for a firm offer of credit. The only relationship between us is patient and healthcare provider. Also, with the hospital not even being a lender, it doesnt have the capacity to make any kind of firm offer of credit. For this visit, according to my XXXX insurance paid claim status I had a {$0.00} balance. So, this couldn't have been for collection purposes. The healthcare provider, didn't get any written consent or authorization from me. So at this point, I am puzzled why the invasion of privacy by this provider. To add insult to injury, all of my credit reports including Transunion, has been opted out of promotional lists supplied to creditors. My question is, would this be a FCRA XXXX violation? Or at the least a Deceptive Trade Practice violation.

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 2022-10-18
Company: BC SERVICES, INC.
State: CO
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:
XX/XX/2022 I sent BC Services a validation request for two accounts they have reported on my credit. I received no response so on XX/XX/2022 I followed up with a letter requesting validation of debt. Still no response. In XXXX I sent XXXX a request to validate the alleged accounts. 
I have not received any communication from experian regarding this investigation request. Yet they have updated the comments on my credit report that investigation was done. 

Not only has XXXX not responded they are reporting a collection account inaccurately. 
Ive included a copy of all letters sent to bc services and XXXX as well as both accounts credit report highlighting errors.

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 2023-03-14
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XXXX of XXXX I have been trying to get a forebarance with United Wholesale Mortgage company and it has been terrible. Im the end I did not qualify because of missing documents when I in fact did submit them. In XXXX I finally just gave up. Then again XXXX of XXXX unable to make payment and contacted them right away and since then going back and forth submitting documents. Finally was approved for a modification trial which is ridiculous amount if {$1800.00} at 6.750 % for 3 months when my normal payment was XXXX at 2.625 % rate. They said no forbearance available. They never mentioned that ever and also expect me to mark this increase payment after trial period is ridiculous. They are a joke and do not help those who need it. I would rather come up with the late amounts I have than move forward with this trial period. This company is not for the people they just hope you cant make payments just to foreclose your home and be done with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I contacted Transunion on XX/XX/2022, to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022 stating that the items I was disputing were either deleted or were not appearing on my report. A few days later, on XX/XX/2022, I noticed that Transunion had without my knowledge or permission unknowingly reinserted some of the deleted items on my credit report, and claimed they were verified a couple hours later. I tried to contact the company about it, the fraud department gentleman on the phone line said that this was nothing and to disregard and the items should be deleted, so I did and went about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. This is unacceptable. I have received no documentation from either Transunion or from the " original creditor '' that proves I gave written consent to anyone to furnish these items on my report ; and if the creditors state that I gave written consent, it was only due to an uninformed decision, and I was not given proper disclosure of my rights under thXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-05-21
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Received a letter from Nationstar Mortgage stating that our homeowners hazard insurance had expired. Contacted insurance company who confirmed that coverage was continuing. Sent email to Nationstar with copy of declarations page asking them if property was sill covered. No response to date after XXXX emails. Can not express how distressing this has become.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have Nation Star, and yes I pay on the grace period date, but they would call my place of work and I was not technically late. Just very embarrassing when at work and everyone can hear your conversation. I have redirected them to call my cell phone. But they call non stop again it's before the grace period is up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Data Mortgage Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
1. The mortgage company change the address to its payment processing center or partner. Without notifying myself, 2. they claim to have sent out paper notice as well as emails. That did not happen. I checked my history. They have no proof that they did that. 3. I only became aware of the situation with my bank, said that the mortgage company refused to accept the payment that I sent to them on time as that done for the previous three years. 4. And then had to own my own action reach out. To find out what happened and to get the new billing payment. Information. 5. after updating the new payment address, I resubmitted the payment to them however, due to this lengthy process of getting in contact with them, submitting the payment, it was received after their so-called late payment deadline. 6. They then assessed me a late fee. Summary : Essex mortgage is intentionally engaging in fraudulent practices, and has been financially negligent and notifying their client base of their in-house reassignment of payment procedures. They then attempt to deflect their responsibility as a causer of such misinformation. 

XXXX sought : 1. I want my late fee reversed $ XXXX XXXX  cents. 
2. I want to record to reflect that my payment was not late, but rather that they change their processing mailing information without notifying the customer. 
3. I want Essex mortgage information noted for their XXXX irresponsibility and poor business practices as a warning to other borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I was initially laid off from my job of 11 years fellbehind in my payments from XX/XX/XXXX to present. ReqRequested a modification back in XX/XX/XXXX did not rreceive any information from loan servicer XX/XX/XXXX. I had to submit modification XXXX timesuntil representative acknowledge they were theyon XX/XX/XXXX. Then only to be told was n't there afterspeaking to different representative. This went onfor several mos. Always speaking to someonedifferent with conflicting information so I had tosubmit XXXX more time after that. My information wasmixed up with another individual and held up filefrom moving forward to next step. Had to send paystub XXXX times. Tax information was sent fax XXXXtimes to a bad fax number and email XXXX times. 
Lastly after all this just recently told mymodification application was submitted onold forms which they provided to me and Ineed to resubmit on new one this was XX/XX/XXXX I have not reached my selldate XX/XX/XXXX which I believe this was alldeliberate to steal my property withoutgiving me a fair chance to keep it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
On XX/XX/2022 I mailed a letter to Equifax, XXXX, XXXX stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: IN
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. 
I 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: LA
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:
I have made multiple attempts over the last few months to get the company to send me validation per the FCRA that this debt is mine. They have never responded with the requested information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I closed my checking account with PenFed Credit Union & moved approximately $ 17k from savings to another institution as I wasn't happy with the fees I was being charged to use supposed free ATMs not to mention other issues. Since then, it seems I've been having issues with deposits showing as available as there is nothing to indicate they aren't, but when a withdrawal comes through it doesn't clear and I'm subsequently charged these fees. Additionally, in the past if funds were not available they simply did not allow the withdrawal to go through. Not to mention, that if I'm transferring money from another credit union for a loan payment, lo and behold that money is immediately credited. The problem I have is that when I've transferred money and look to ensure it's available it shows that it is but when the IRS for example tried to deduct payment from that account it was allowed to go through then reversed. I was then charged an overdraft/insufficient funds fee. I've never seen a " reversal '' the entire time I had my savings account which was a couple years if not longer. More recently, I transferred money between credit unions and the same thing occurred. The money showed available but when I initiated a payment I was charged a massive fee which took the bulk of what I'd deposited. I'm more than aware of what my accounts look like when a deposit is on hold or available & as I said, I'd never had an issue until I moved my savings and closed my checking. I'd contacted their leadership ( XX/XX/21 ) regarding the incident with the IRS because I was required to a fee of {$220.00} or so to reinstate my payment plan. It would have cost me a fraction of that if the IRS could deduct my payments directly but I couldn't trust that PenFed would allow the payments to go through. So I'm tasked with extra burden of mailing these payments or incurring extra fees to pay online. PenFed claimed after months of no response that they'd been unable to reach me although my contact info was current and updated. I should also mention that " coincidentally '' I'm having some difficulty receiving the title or having the title of the vehicle I'd financed with Penfed sent to the new lienholder. Lastly, I'm in the process of paying off a small loan to close this account since I have already refinanced my car loan with another credit union. However, I wanted to make my dissatisfaction taken seriously which is why I am filing this complaint with the CFPB.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX 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 explanation
Consumer complaint received 2021-06-21
Company: Receivable Solutions, 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: Information belongs to someone else

Complaint:
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2015-05-20
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
this is my XXXX time to file a complaint because Nationstar has not resolved this problem. I am filing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX. XXXX XXXX sold her home on XXXX XXXX 2015 and the fund were wired to the Lender. It is know XXXX the XXXX and XXXX XXXX keeps receiving late notices. There has been no release of lien recorded as well. Needless to say XXXX XXXX is very upset and Nationstar continues to perform at an unacceptable level. Her loan number is XXXX. Thank you in advance for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX alleged that I owed a credit card debt for {$1500.00}. I disputed it and they removed it from my credit report and stated I do not owe them on XX/XX/2021 due to identity theft. However, they sold the debt to a debt collection company, Midland Credit Management on XXXX XXXX, whom I have also explained that I do not owe this debt. Exhibit 1 and 2 are attached. I demand remedy from both companies for breach of my privacy rights as a consumer, reporting inaccurate information and causing mental harm over stressing about this situation that they caused. It is negatively affecting my employment and other financial necessities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief