BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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: Was not notified of investigation status or results

Complaint:
Experian has failed to comply with the request of the investigation. I specifically asked to provide the names and business addresses of each individual with whom Experian verified the information in question, so that I may follow up, and yet again, Experian has not done so. I have highlighted this section in the letter provided. Experian is not conducting proper investigation and need to be held accountable for this harmful 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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XX/XX/2023 began disputing credit report. XXXX, Trans Union, XXXX et al have reported inaccurate information on credit report and have not deleted information reflecting an accurate 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 2022-10-08
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b  Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX .... Balance : XXXX ; XXXX XXXX & XXXX XXXX XXXX : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX : {$3500.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft , not later than 4 business days after the date of receipt.

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 2022-10-27
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2021-03-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Hello there, My name is XXXX and I belong to a lower middle class family whose duty is to take care of a family of 5 being the only earning member. 

I sell on XXXX for my living. Few days back 2 reserves were placed on my account holding more than XXXX XXXX XXXX. I had my own obligations to pay the vendors, pay XXXX invoices, family expenses. So, I requested multiple times to release the funds so that I might be able to fulfil the obligations. 
Yesterday I was even confirmed by PayPal that one of the reserves have been released and will be transferred. But now my account has been permanently limited and neither the funds have been released. They say that I have violated policies by selling restricted products. You may check my account. I sell the products what other millions are selling too and if there was anything restricted, XXXX already would have removed that listing. 
Please show mercy on me and remove the limitation as it's not just a PayPal account for me but my entire one year 's effort & time. PayPal has left me in a situation where I am not able to think of anything other than committing suicide. Please, for XXXX sake, activate my account and release the funds. I am just doing a small business for my living. This is my whole world. 

Thanks in anticipation. 

XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently checked my credit report and saw reporting that I do not recognize.

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 2023-02-07
Company: CITIBANK, N.A.
State: TN
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: Problem with personal statement of dispute

Complaint:
I have directed XXXX to include a statement of dispute on my credit report twice, in writing, but they have refused to do so. They are now saying that there is not enough information to complete my request, but they are clearly just placing roadblocks in my path to prevent me from communicating directly with potential lenders about XXXX 's false claim that I have " insufficient credit history, '' when I have over 30 years of positive credit history. As a XXXX Military Veteran, I am incensed that XXXX is deliberately interfering with my rights under the Fair 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 explanation
Consumer complaint received 2019-07-31
Company: CHARLES SCHWAB CORPORATION, THE
State: MA
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:
I have hard inquiries on my credit report that I did not authorize and the companies refused to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My deceased father XXXX XXXX home may be going into foreclosure due to XXXX Loan fraud. On XXXX/XXXX/XXXX XXXX XXXX mortgage lender ( out of business as of XX/XX/XXXX ) had a phone interview with my father. There was no XXXX Counseling certificate and no loan application singed by the deceased homeowner. On XXXX/XXXX/XXXX an appraisal was done on the property. According to the Hud FHA guidelines nothing can be processed until the homeowner has counseling and the certificate is signed by the homeowner and counselor. FHA requires a case binder for XXXX loans during the lifetime of the loan. At this time, I am requesting any documents pertaining to XXXX XXXX. Please note, the loan was transferred to XXXX XXXX XXXX on XXXX/XXXX/XXXX, whom was found liable due to mortgage fraud. On XXXX/XXXX/XXXX the loan was transferred to Nationstar which is now being investigated by NEW YORK STATE Department of Financial Services due to improper fees, mortgage modification and lost paperwork. 

FHA # XXXX XXXX provided by XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX at the XXXX XXXX County courthouse defending my property against Nationstar Mortgage LLC who is a debt collector 1692a ( 6 ) who was attempting to collect an alleged debt that is for personal, family and household purpose 1692a ( 5 ). The consumer transaction had been timely rescinded pursuant to 15 USC 1635. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ). Nationstar Mortgage LLC knew or should have known what it was doing was illegal bringing a debt collection action into a creditor related non-judicial state court action in violation of the FDCPA 1692i. Nationstar Mortgage LLC through counsel did place my private and personal contracts into the public in violation of privacy laws causing further harm to me. For these reasons stated above I am placing a complaint against Nationstar Mortgage LCC based on their conduct and behavior with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Made a deposit in an ATM on XX/XX/XXXX and saw the incorrect amount show up in my account called to see how best to rectify was told I had to file a claim. Received a letter on XX/XX/XXXX stating that No deposit was made. 

Called the company as the incorrect deposit amount clearly showed on the account and was transferred to a supervisor who was very combative and advised that I should have sent in the receipt, I advised her that I wasnt told to do so and she became consistently louder and continued to cut me if when explaining she even advised that I am the one who needs her help. 

Please pull this call as I like chase bank and customers should not be treated this way. Would also like a solution for my deposit

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I used my PayPal credit account to send money to a XXXX page that was asking for money to help pay for my brother 's funeral. The individual who set up this page was one of my brother 's good friends who lived with him. She asked if she could plan my brother 's funeral and my mom and I agreed since we lived a great distance from my brother. As it turned out, this girl never paid for any of my brother 's expenses and took the funds for herself. I paid {$210.00} to XXXX  on XX/XX/2022. When I discovered what my brother 's friend was doing, I contacted XXXX fraud unit to not only get a refund, but also to shut down the XXXX page. XXXX recredited my PayPal account for the {$210.00} on XX/XX/2022. But now PayPal has put a credit limitation on my account saying that I owe them an additional {$210.00} because for some reason they are telling me they are out {$210.00} and that I need to give back {$210.00} to take off the credit limitation. So in other words, I have to pay PayPal for a service or item I never received and was refunded. I've been debating this with PayPal for months and they insist that I still owe them {$210.00} ... for what???

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 2023-09-10
Company: U.S. BANCORP
State: OR
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: Problem with personal statement of dispute

Complaint:
I opened a U.S. Bank Credit Card in XXXX. They offered a fraudulent promotion that few people could use. It was an Altitude Connect Visa CarXXXX for which I was offered a XXXX limit and had to spend XXXX in three months to get their offer. I realized that I couldn't get the offer without going over my usage. So in XXXX, I had a bill for which I had to pay. The bill was for roughly XXXX I paid for bill with the credit card XX/XX/XXXX. Because I knew my due date was XX/XX/XXXX and statement date was XX/XX/XXXX, I knew I had to pay off that balance immediately. I paid XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I received an XXXX alert thar my usage has increase. I call on the phone to resolve the matter. Nothing was resolved. My current balance is XXXX and has been that way since XXXX. I am disputing the amount reported by US Bank and for them advertising something clearly would cost a consumer to use. A XXXX point drop on a credit report takes years to address.

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 2021-06-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In 2014 XXXXXXXX XXXX indicated that myself nor my student son qualified for a loan to cover room and board. Later it was determined that my son alone qualified and opened a loan in both our names. Shortly after my son withdrew from the school due to a safety breach however the loan remained enforced. Why keep enforcing a room and board loan for a student that withdrew ( for safety reasons ) * See attached message from school. My son recently informed me that this loan was removed from his credit reporting. I would like verification that the account is closed and also removed from my all credit reporting. It should have been removed at the same time. This makes the schools business practices questionable.

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 2022-05-04
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: KY
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:
On XX/XX/2022 I ordered my NCTUE report using the automated system, I was mailed to separate reports with different confirmation numbers. 

On XX/XX/2022 I attempted to order another NCTUE report to get an updated report, but NCTUE could not find my information on the automated system. So I called NCTUE and was told to fax my ID, which I did and asked for an updated report. I have received NO report, and the automated system still does not recognize me? 

I will include the XX/XX/2022 ID fax that was never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of my numerous 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 XXXX XXXX Please delete immediately.

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 2022-11-02
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) transferred mortgage loan account to Freedom Mortgage Corp. as a Debt Collector claimed XX/XX/XXXX payment had not been remitted. Subsequently, Freedom has rejected all indisputable documentation substantiating all payments remitted timely presented multiple times. The Freedom account perfect pay [ XXXX XXXX XXXX XXXX ] has been perverted to chronic delinquent-default status, and I have been subjected to harrassment, humiliation, intimidation at XXXX XXXX XXXX as the result of being deluged each month since XX/XX/XXXX with delinquent and default notices, hand-delivered notices posted on my front door and deluged with HUD foreclosure packets, while Freedom accrues late fees, submits negative reports to government and consumer reporting agencies. My losses incalcuable, irreparable. 

Note : Freedom has established pattern for targetting FHA Insured mortgages - see XXXX Prosecuting Atty v Freedom XXXX XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX worked to resolve for over 3.5 years through HUD, XXXX XXXX XXXX XXXX since XX/XX/XXXX without resolve. XXXX  XXXX Complaints XXXX, XXXX. 

But, XX/XX/XXXX Freedom 's Escalation XXXX XXXX  XXXX # XXXX, XXXX # XXXX, admitted account current at time of transfer to XXXX  XXXX XXXX XXXX ( XXXX XXXX x XXXX ) and I. 

But, Freedom has not corrected and adjusted account from XX/XX/XXXX transfer to date.

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 2016-02-18
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear Sir/Madam, My loan was transferred by XXXX XXXX XXXX, XXXX to Nationstar Mortgage LLC on XXXX XXXX, XXXX Since this loan was transferred, I have had several issues with Nationstar Mortgage regarding the status of the loan. This issue has not been corrected by either XXXX XXXX XXXX or Nationstar Mortgage. 
Nationstar claimed that I have not paid my XXXX XXXX mortgage, therefore, I was one month behind before the loan was transferred on XXXX XXXX, XXXX. 
All my attempts to proof to Nationstar that my payments were up to date with XXXX before the transfer was unsuccessful. Therefore, I am now been threatened by Nationstar with foreclosure. 
Since the burden of proof falls on me to show that I have paid up to date before the loan was transferred on XXXX XXXX, XXXX, I have then gathered and sent all information to Nationstar Mortgage to prove that all my payments were made to XXXX XXXX Servicing to date before the transfer of the loan. 
To date, Nationstar has not been resolve these discrepancies with XXXX, thereby charging me late fees and also threatening me with foreclosure of my home that I have owned for over 10 years. 
I have paid my mortgage on time to Nationstar since the loan was transferred by XXXX since XXXX XXXX, XXXX. I have all proof that I paid to date and no outstanding balance with XXXX before the transfer. 
I have submitted all these proofs to both mortgage companies, however, I am still receiving late payment notice from Nationstar Mortgage as of XXXX XXXX, XXXX. 
Any attempts to help resolve this situation with both mortgage companies will really be appreciated. 
If you need any further information or face to face meeting, please feel free to contact me. 
Thank you for your consideration with this situation. 
Awaiting your response to this matter very soon. 
Sincerely, Homeowner

Company response to consumer: Closed with explanation