BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX  Inquiry Date : XX/XX/2023 XXXX XXXX  Inquiry Date : XX/XX/2023 XXXX  XXXX Inquiry Date : XX/XX/2023 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 2021-06-24
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:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX, we filed for bankrupcy, got discharged and approved for a mofification loan with Nationstar Mortgage. For six years, the payments were always automatically withdrawn from our bank accounts. We also chose the option of receiving the electronic billing statement. Suddenly since XXXX XXXX, we could not access the online account and did not receive any regular hard copy statement. Called Nationstar many times, all representatives promised to fix it in 4 days, 10 days but nothing happens. All representatives looked at the bankrupcy records and confirmed it had been closed a long time ago and absolutely not in active status. Now every month I try to call them to make a payment, they wanted to charge me XXXX dollars for processing fee and did not even send me a receipt or a confirmation letter. How could they been allowed to do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have advised the credit agencies many times that the statue of limitation is expired and this item is still on my credit report. My next step is to hire a consumer law attorney XXXX  XXXX - XXXX XXXX  XXXX TransUnion Date Opened XX/XX/2007 XX/XX/2007 XX/XX/2007

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 authorize XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, 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 2023-08-16
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Subject : Request for Assistance Regarding Incorrect Reporting of Credit Delinquency I, XXXX XXXX, am writing to address a series of issues related to my account, previously held with XXXX XXXXXXXX under the XXXXXXXX XXXX XXXX, which subsequently transitioned to Goldman Sachs in XX/XX/2022. 

For a period of eight years prior to this transition, I was a responsible and compliant account holder with XXXX XXXX. However, during the course of the transition to Goldman Sachs, which lasted approximately 3-4 months, I encountered significant and unexpected difficulties. 

Access to XXXX XXXXXXXX Account : Throughout the transition period, I was unable to access my XXXX XXXXXXXX account. This prevented me from viewing my balance, paying my bills, or managing any other account-related matters. 

Failure to Receive New Card : Despite diligent communication with Goldman Sachs ' customer support, I did not receive my new card. The support staff repeatedly assured me that the card was on its way, only to later discover that it had been sent to an outdated address. 

Delays in Addressing the Issue : The eventual realization of the mistake by Goldman Sachs led to further delays. The process of receiving my new card and accessing the newly switched Marcus account was fraught with unnecessary challenges. 

Credit Report Impact : During this period, I received a credit report indicating serious delinquency on this credit card account. This was alarming, given my otherwise perfect payment record on this and all other credit cards under my name. Though I promptly paid the outstanding {$30.00} balance upon finally gaining access to my account, the delinquency had already been recorded on my report. 

Impact on Mortgage Application : This erroneous delinquency has had a direct and adverse impact on my attempt to purchase a house, as it reflects unfairly on my creditworthiness. 

Unsuccessful Attempts at Resolution : Despite my best efforts to reach out to the concerned parties and seek resolution, I have been met with resistance and inaction. 

In light of the foregoing, I respectfully request your intervention and assistance in resolving this matter. I believe that the facts clearly demonstrate that I am a responsible consumer who pays debts in a timely manner, and that this incident is an aberration resulting from circumstances beyond my control. 

Your prompt attention to this matter will not only correct an injustice but also facilitate my ongoing efforts to purchase a home. Please find enclosed relevant documents supporting my case. 

I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-22
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:
In accordance with the Fair Credit Reporting act XXXX  Account on the date of XX/XX/2021, " XXXX XXXX - XXXX '', has violated my rights by violating my right to privacy, Furnishing said account without my written instructions, and reporting inaccurate reports and details regarding the account. Down below I will cite my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy, Said right was violated by " XXXX XXXX - XXXX '' by reporting and releasing my personal info and details to consumer agencies and the public providing access to information of said account simply by request. 

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, Said right was violated by " XXXX XXXX - XXXX '' furnishing and reporting said account without my given written instruction nor direct detailed agreement. 

15 U.S.C. 1681 Section 602 A ( 1 ). States The banking system is dependent upon Fair and ACCURATE credit reporting, Said right was violated by " XXXX XXXX - XXXX '' not truthfully reporting full and accurate details regarding the account, Payments Made, Payments missed, and the accurate remaining balance on the account.

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 2021-07-22
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: Experian Information Solutions Inc.
State: PA
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:
An unscrupulous collector tried to put an account on my credit report from XXXX when I was a XXXX XXXX XXXXXXXX XXXX  and changed date to XXXX and put it on my report last month in XX/XX/XXXX. A ploy that the credit reporting agencies should have easily corrected but they verified a totally false entry on my credit report as correct. XXXX did not fall for it but XXXX and experian allowed it to stay on my report which is illegal.

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 2020-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
CAPITOL ONE IS REFUSING TO CREDIT MY ACCOUNT WHEN XXXX HAS RECEIVED AS A RETURN AN ORDER BECAUSE I HAVE PROOF. XXXX CS PEOPLE STEAL FROM CUSTOMERS CARDS AND I RETURNED THE ENTIRE ORDER BECAUSE IT WAS DUPLICATED AND BOUGHT BY A CUSTOMER PROBABLY BY SOMEONE IN A FOREIGN COUNTRY. I DO NOT KNOW IF THIS PERSON KEPT MY ORDER BUT I PAID FOR IT XXXX AT CAPITOL SAYS THERE WAS NO FRAUD BY LETTER AND HE HAS BEEN DECEIVED. CAPITOL ONE IS FORCING ME TO PAY FOR SOMETHING THAT XXXX HAS IN THEIR WAREHOUSE. I WANT THIS INVESTIGATED WITH XXXX AND CAPITOL ONE BECAUSE THERE IS FRAUD HERE BY THESE TWO COMPANIES. I DO NOT HAVE ANY OF THESE ITEMS AND WHEN CALLING THE FOREIGN AGENT JUST LEFT ME ON HOLD AND REFUSED TO HELP ME. I WANT THIS RESOLVED AS FRAUD BY A MGR AT CAPITOL ONE. THESE FOREIGN COUNTRIES STEAL CONSTANTLY AND I AM BEING FORCED TO PAY ITEMS I DO NOT HAVE IN MY POSSESSION. I NO LONGER DO BUSINESS WITH XXXX DUE TO THIEVES AND NON EXISTENT HELP FROM FOREIGN CS AGENTS THANKS AND PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We closed on our mortgage with Nationstar on XXXX/XXXX/15 and wired the payoff funds the same day. 2 days after closing and after recieving the funds via wire, Nationstar changed their payoff amount due and refused to accept our wire. They then held up the process for 16 days, not accepting the new wire amount until XXXX/XXXX/15. For these 16 days, they refused to refund us our mortgage interest, as the payoff at closing was thru XXXX and any days before that date were to be refunded. When I submitted written proof of this discrepency, Nationstar completely ignored the documentation and continues to state that they are correct and that they do not owe us for the lost 16 days, even though we submitted the correct payoff on the date of closing and Nationstar changed that payoff AFTER closing. If this is a legal practice, then any mortgage company could do this to any customer and steal mortgage interest from them - this could be a XXXX dollar scheme defrauding customers of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern : Re : NationStar Mortgage Co. Loan # XXXX I am requesting that someone investigate this matter. I feel that NationStar Mortgage Company have discriminated against me concerning a Loan modification and a Short Sale. I owned a rental property at XXXX XXXX XXXX, XXXX, NC XXXX. It took them three months to make a decision about the loan modification because they would n't accept my information because I did n't have a mortgage statement on my primary resident. However, NationStar did n't want to accept the documentation I provided to them because they wanted a mortgage statement on my current resident. I sent NationStar all necessary documents showing them that I owned my primary resident. But, the underwriting in that department still requested that I send them a mortgage statement. At this point, XXXX XXXX XXXX my loan Specialist had to contact her boss regarding this matter before the underwriter would receive my documentation concerning the Loan Modification. The things this mortgage company put me through was truly uncalled for. Nevertheless, when it comes to the Short Sale they waited almost another 70 days before making any decisions about the Short Sale. They only gave the Real Estate Agent XXXX XXXX XXXX not even 30 days to sale the property. I was n't given due process in selling my property or receiving a Loan Modification on a home I owned for nearly 13 years. I stated in the beginning of this letter this company has discriminated against me as a US citizen. I know they do n't do all of their customers this way. I explained to NationStar that I had developed a number of health issues which has put me in position where I 'm not currently able to work. I tried to give them a partial payment and they would n't accept no payment unless it was the full balance. I tried everything I possibly could to get this company to work with me. But, they constantly discriminated against me in every way that was possible. Please investigate this matter for me. It not right for them to discriminate against me I 'm a US citizen and I have rights. If nothing else I do n't want this to happen to anyone else. 

Thanking you in Advance XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase rejected my claim against XXXX on the basis of the service being available by vendor at the time of booking. This was obviously handled unprofessionally, and at a very low level, because it is completely XXXX to the fact that we had hurricane Nicole on XX/XX/2022. All flights out of XXXX were canceled and I could not get to the XXXX destination to pick up my rental car. A hurricane is considered to be an act of XXXX, and constitutes a force majeure event. If the rental car company was affected by a hurricane, they would have simply not provided a car, based on a force majeure. Why should I be handled differently as a consumer?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2021-06-24
Company: EQUIFAX, 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXXXXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
When requested to receive my XXXX Bank debit card expired XX/XX/22 bank refuses to send it. When prompted for an answer as to why not sent they lie and say it was sent. XXXX XXXX now without my business debit card. Highly inconvenienced seeing I'm a very busy person. I couldn't deposit on the go nor withdraw nor purchase products without it. Next, I couldn't access my online banking and potential loans from loans institutions and good business standing references to loan institutions and XXXX due to XXXX XXXX attached to my business FOR XXXX XXXX. I would file a XXXX over and over to correct it and my bank would not. I would ask them over and over and my Bank would not. I have Been inconvenient and lost out on much growth opportunity for my Business due to my Banks Constant failure towards my company.

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