BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX {$0.00} XXXX LA XXXX XXXX Owed XXXX {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$410.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$90.00} 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 2021-03-10
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Hello, to whom it my concern my name is XXXX XXXX ( consumer ). I'm A federally protected consumer, I would like to thank you for the opportunity to address my concerns regarding Law Offices of XXXX XXXX XXXX, XXXX. representing XXXX XXXX XXXX. ( Debt collector ) This 3rd party law office has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) On XX/XX/2021 I ( consumer ) have received a Statement in the mail referring to an allegation of an alleged debt from this debt collector. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) During this initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) This Debt collector has communicated with me at an unusual place without prior consent from me, which I would like this Law office to provide me my writing consent of such action. If request can not be provided this will be an illegal action of 15 usc 1692C ( a ) This so could law office has harassed me to coerce payment on a debt they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This Debt collector has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt and ceased communication on XX/XX/2021 to XXXX XXXX XXXX XXXX, and still have not received the 5 validation request I asked for, in fact this law office has claimed the Original creditor was epic Emerg Phys integrated which I ( consumer ) was the original creditor. This is a violation of 15 usc 1692g ( 5 ). Debt collector is still commutating with me after i have cease communication with them. this is a violation under 15 usc 1692c ( c ) I have received statement via mail from Debt collector disclosing symbols, which in fact disclose they are in the debt collection business, which is a violation under 15 usc 1692f ( 8 ) debt collector has furnished unlawful information portraying to a collection on my consumer reporting file without my consent. Im am very stunned with this law office breaking the law to coerce payment for their benefit to Undermine the consumer. I will be taking legal proceeding if action is not done to my favor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act, along with the Privacy Act of 1974, the accounts and inquiries listed below have violated my federally protected consumer rights to privacy, confidentiality, and accuracy of reported information unde

r 15 U.S.C. 1681 and 15 U.S.C. 1681b. Accounts ( 3 )
: XXXX XXXX XXXX Inquires ( 7 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I never expressed a written or verbal consensus authorizing TransUnion Credit Reporting Bureau to publicly report my personal information per 15 U.S.C. 1681b and 15 U.S.C. 1681 nor did I receive a request to confirm that the data shown on my credit report is accurate per 15 U.S.C. 1681. This is an infringement upon my identity, privacy, protection, and rights. 

The Privacy Act of 1974 provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion is reporting hard inquiries that don't belong to me and were not authorized by me. 

Here is the list of inquiries : 1. XXXXXXXX XXXX ( Bank ) XX/XX/2022 2. XXXXXXXX XXXX ( Bank ) XX/XX/2022 3. XXXXXXXX XXXX ( Bank ) XX/XX/2022 4. XXXX XXXXXXXX XXXX XXXXXXXX ( Retailer ) XX/XX/2022 5. XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX 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 2017-12-07
Company: NATIONSTAR MORTGAGE LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - My monthly payment was due with Mr Cooper - I called Mr Cooper because my automatic payment had been cancelled and ask them if I should make my monthly payment and they said yes - I made the payment XX/XX/XXXX - I receive a letter from XXXX XXXX saying that my loan had been transferred and that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX or get a late fee XX/XX/XXXX - I called Mr Cooper and they said the payment had n't been posted so I needed to call back on XX/XX/XXXX XX/XX/XXXX - I called Mr Cooper, they did n't answer or return my call XX/XX/XXXX - I called Mr Cooper and they said they had the money and it would be transferred to XXXX XXXX at some point - They would n't give me a day or a time - They would n't put it in writing that they will transfer the funds - I have no assurance that the money will go to XXXX XXXX or that I wo n't be charged a late fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In 2005 a student loan account with NAVIENT was opened in my name in XXXX Texas and has gotten to the balance of a few thousand dollars and has beaten my credit up badly. 
In 2005 I was XXXX, living with my mother and we had been evicted from where we lived in XXXX and moved to XXXX 
In 2005 I attended XXXX high school while living in XXXX XXXX. 
I have contacted navient, attempted to contact the school but is closed and has been for years, and Ive even hired a credit repair agency to help figure this out and have not had any luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
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:
Hello, hope all is well. 
Please review my compliants. 
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 told the Equifax to reinvestigate these accounts : Account Name : XXXX XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX ACCT # XXXX Account Name : XXXX XXXX XXXX ACCT XXXX XXXX Account Name : XXXX XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 

Thanks, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: Maury Cobb, Attorney at Law, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2020 we switch my son 's cell phone from XXXX to XXXX XXXX XXXX . I have documentation to show the switch. In XXXX XXXX, 2020 after disputing the charges of {$400.00} for months of charges i did not owe since the account was closed, XXXX  credit them back. Then on the same day they charged a full months plan fee. The bill literally state XX/XX/XXXX thru XX/XX/XXXX. Since the account was closed in XXXX, XXXX could not charge me in XXXX. 
Also the recorded phone conversation that corrected the {$400.00} credit would show that XXXX admitted they mischarged the accountand did not close the account when request and number was transported over to another company. 
I can not get this resolved through XXXX because they refuse to talk to me since the account is in collections and the Law office handling the case for XXXX XXXX to collect - Maury Cobb LLC tell me the only thing i can do is pay the bill. 
When I spoke with the Credit bureaus all they do is call the collection agency which of course says yes i owe it, without even looking at my documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XX/XX/XXXX, I contacted my personal loan lender Upgrade Inc, my personal loan payments were on autopay for the 4th of the month, however, I changed banks and was unable to modify my autopay through the Upgrade app. I contacted support via telephone and was told, that the auto pay was already in process and could not be modified to wait until my payment is returned from my old bank to modify my autopay. Not being able to modify the auto pay, I paid manually each month. I started to receive credit alerts of an adverse action on my account and thought this must be a mistake. I had noticed that my monthly charge had increased with no additional purchases made and decided to check my monthly statements before contacting the company. Looking over my monthly statements I immediately noticed discrepancies in where my payments were being distributed. Initially, most of my payments were going to the principal, however, lately my payments were going all to interest with less than 25 % going to the principal balance. 
When I contacted the company, I spoke with a young lady who went over my account and informed me that due to returned payments for the last several months to the account that I previously informed had been closed, more of my payments were now going to the interest. I advised her of the previous call, which she was able to verify. I then informed her, that they have been paid on time regardless of weather, they were attempting an autopay on a closed account and that I needed my account fixed. I am a full-time parent, student, and employee, so I did not wait on the phone for her to resolve the issue. On XX/XX/XXXX, I called Upgrade again and this time requested to speak with a supervisor. That phone call lasted for 1 hour 45 minutes : I spoke with a supervisor a very nice gentleman, who profusely apologized for the inconvenience their incompetence had caused yet insisted that there was nothing he could do, that I would need to pay the additional fees however if I would like to have more of my payments go to the principal he would be happy to assist with an additional payment now. 
XX/XX/XXXX, I filed a complaint with the Federal Trade Commission, complaint # XXXX and the XXXX XXXX XXXX # XXXX. The company has sent several emails since the XXXX of XXXX but have failed to return my calls, to XXXX the account representative who was assigned my case, I have withheld payment since XX/XX/XXXX and will not continue until they fix their mistake. I would like them to fix my account, as it is not fair that I should have to pay financially for their incompetence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I recently received a copy of my credit reports, and I noticed a late payment posted by XXXX XXXX XXXX XXXX for XXXX, XXXX, & XXXX last updated on the XXXX of XX/XX/2023. 

This company reports a 30 day late without my consent. 
XXXX XXXX Acct # - XXXX Your company is in clear violation of the law, Under 15 U.S. Code 1681b Permissible purpose of consumer reports.

THE LAW CLEARLY STATES!

( 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 instructions of the consumer to whom it relates.

Did I ever give you written instructions to furnish this account on my report?

Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave written consent to provide information to any third parties about the reporting of transactions and experiences.

Delete the above late payment from my consumer report. This agency is in violation of 15 U.S. Code 1681.

Failure to respond satisfactorily with the deletion of the above referenced account, and a free copy of my updated credit report after changes have been made, will result in legal actions being taken against said company. For which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 U.S. Code 1681n ]

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 2023-04-27
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 have violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C1681. 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 A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15U.S.C 1681 C ( A ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OF CRIMES THAT ANTIDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C 1681 S-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 RESONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS IN ACCURATE..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage , LLC purchased my mortgage from XXXX XXXX ( DBA XXXX XXXX XXXX ). Due to circumstances beyond my control, I had to slide the mortgage payment one month. After almost a year, I have not been able to resolve the payment with Nationstar. They continuously hold extra payments in suspense and misapply those payments. They are charging late fees inside of the 30 day grace period allowed by my mortgage contract. They send a letters continuously threatening foreclosure, even though I am currently less than one month behind. I have requested a face-to-face meeting for arbitration several times and they have failed to come to the table. I am fed up with their predatory practices. Any calls to formalize the catchup process in a written agreement have been met with resistance from Nationstar. It seems they are more interested in dragging the process along so they may unjustly enrich themselves at my expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-31
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX I have not supplied proof under the doctrine of XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists.

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 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been requesting Bank of America remove PMI from my account for over 5 years. 

I was told my account was eligible but the letter stated Bank of America needs a property valuation with a fee of {$100.00}. 

I paid to overnight a check in the amount of {$100.00}. On XX/XX/2023 I called Bank of America about PMI removal and spoke to someone named XXXX in PMI department. 

To my surprise He advised that regardless of what the original letter statedit was no longer valid because it had been more than 30 days. 

No where in that original letter does it state This letter is valid for 30 days. Or the customer must send the payment no later than 30 days. 

This is unfair to consumers and should have been disclosed. It appears now the process will be delayed once again. 

How much money is Bank of America making by holding these PMI payments for years by setting up these road blocks and delays to avoid deleting PMI.

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 monetary relief
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America ( BOA ) apparently issued a credit card to someone else using my name. The " fake account '' was able to run up a balance of {$30000.00} before BOA closed the account. All three credit bureaus showed this fraudulent account on my credit report as 120 days past due. I contacted BOA in XX/XX/XXXX, as soon as I knew that this was taking place. I contacted BOA again on XXXX. Beginning XX/XX/XXXX, I have contacted them over a dozen times. In each case, I get transferred around to get the " right department ''. I have been hung up on twice and had employees refuse to identify themselves. They have made promises and done nothing to fix this problem. I submitted a FACT Act request for information. BOA has sent me the statements of the account. However, they declined to send the application for credit for the fake account in my name. I have filled a dispute with all three credit bureaus. XXXX and XXXX have removed this false information from my record. However, XXXX maintains this false information on my record based on corroboration they received from BOA. BOA caused this problem and has refused to correct it. This has affected my ability to obtain credit.

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