BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX my bank account was debited by ach for {$3000.00} and {$3000.00}. I did not authorize the transactions. The bank rejected the debits and charged me {$34.00} for each debit. I called the bank to inform them that the charges to my account were made in error due to a page that did not refresh properly on the vendors website. The bank informed me that they they rejected the debits. I said that ok because I didnt authorize them. The bank also charged me {$68.00} for the unauthorized transactions which they are refusing to pay back. I told them that I wish to dispute the transactions and the agent on the phone dropped the phone on me.

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: 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:
Yes, fraudulent accounts or charges appear on my credit report. As shown on Transunion, XXXX, and XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a total fraudulent amount of {$2700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 items 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-07-07
Company: EQUIFAX, INC.
State: FL
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:
A letter was sent out asking on XX/XX/2021 to Equifax asking for accounts to be removed due to violation of the FCRA. they company has not provided accurate service with the any of the documents sent in and has allowed an additional fraudulent account to be added. 

To Whom It May Concern : According to U.S. Code 1681b-Permissible purpose of consumer reports : ( C ) FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE NOT INITIATED BY CONSUMER : ( 3 ) INFORMATION REGARDING INQUIRIES : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
Account : Credit Plus XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  XXXX XXXX XXXX Account ; XXXX XXXX XXXX XXXX Account : Factual Dats XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TD BANK US HOLDING COMPANY
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I first contacted TD Auto Finance on XXXX XXXX, 2023 to get a lien release that we have never received. They told me it would take 7-10 business days. Never received the lien release. I contacted them on XXXX XXXX and they said to give it a few more days. On XXXX XXXX, I called again and got a run around. Here is a list of every time I called. 
XXXX XXXX asked for status XXXX XXXX they told me it was escalated and I should have it in 5-7 business days XXXX XXXX status, they are working on it. 
XXXX XXXX status, escalated again, this time to next day mail, also asked for a fax along with mail. 
XXXX XXXX called for status. I was told it would take 3-5 days for processing XXXX XXXX status, they are working on it XXXX XXXX status, they are working on it XXXX XXXX status, they claim they will have a tracking number by XX/XX/XXXX or XXXX. 
It is now costing money for fines and penalties.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX sent me a letter stating they contacted all three bureaus to remove this account from my credit. Experian refuse to remove this XXXX XXXX XXXX account from my credit when the collection bureau has reached out to them and told them to remove this from my report. I have attached the letter that was sent to me via usps mail from XXXX XXXX XXXX. This need to be removed 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 explanation
Consumer complaint received 2016-03-21
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Nationstar Mortgage and I applied for refinancing. Nationstar 's mortgaging arm is Greenlight loans. I applied on or around XXXX XXXX, 2015 There were a couple of mistakes made by Greenlight while handling the loan like putting the wrong dates on documents and numerous other mistakes which made me pay {$500.00} - {$1000.00} more in interest. I called them and ask to negotiate a refund because it was a conflict of interest when these mistakes they admitted to me cost me each day in interest. I also called and talk to someone about the escrow amounts left from the old loan which was never sent to me or added to the new loan. I was told I would be sent documents I ask for to follow the trail of where the escrow amounts went but that did n't happen. On my first statement after the new loan started I had a escrow balance of {$1000.00} before I made the first payment. On my next statement there was a adjustment - escrow Of - {$1000.00} with no explanation. I called and the person told me the money was left from closing but could not tell me why it was deducted or where it went.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information belongs to someone else

Complaint:
There are several accounts showing up on my consumer report that are showing negative information. The accounts are XXXX XXXX, XXXX XXXX  And XXXX XXXX XXXX XXXX. I have attached a new police report and notarized FTC Affidavit. Please remove this accounts and block them so that they don't reappear and submit another clean consumer report stating that those said items have been removed. 

Thank you, 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 2023-03-28
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: Information belongs to someone else

Complaint:
I am submitting this CFPB Complaint to you once more to formally dispute the fraudulent inquiries listed on my credit report. Despite my repeated attempts to have them removed over the past three months, inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX, XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 . I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these unauthorized inquiries, I expect immediate action to be taken.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: FL
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:
Update my personal info, Delete all the accounts violating the FCRA and reporting inaccurate information and delete all unauthorized inquiries

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 2023-02-07
Company: SUN LOAN COMPANY INC.
State: AL
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:
Last month I filed a complaint here against Sun Loan Company regarding their reporting of this account onto my consumer report. 

Sun Loan claims they have received XXXX indirect disputes and have correctly responded to all of them within 30 days. 

I disagree, I requested XXXX to provide my full file disclosure and I need only information that is 100 % accurate and complete on me. I do not want any incorrect, incomplete, or misleading information on my report. 

On my reports, there is contradictory, incomplete, and incorrect information. 


The company responded claiming XXXX XXXX bought the Debt XXXX, XXXX 2020 ( Attached ) I sent this letter off to XXXX XXXX. 

XXXX XXXX that they bought the Debt XXXX, XXXX 2020 NOT XXXX, XXXX 2020 Sun Loan also claims theyre not responsible for the credit reporting and that XXXX XXXX is responsible. 

Well, XXXX states that theyre not furnishing this account to the credit reporting agencies. ( Attached ) It appears you ( SUN LOAN ) continue to lie to me and now youre lying to your boss. ( CFPB ) Please be reminded of : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a condo mortgage payment with Nationstar mortgage company. Nationstar mortgage has placed flood insurance into the escrow payments on my current mortgage payments. The flood insurance that they charged me for is for the entire building, not just my condo, which increased my monthly payments by {$620.00}. Flood insurance is paid by the condo association of my building and was paid in full in XXXX 2015 for the year. Nationstar collected money from me for this payment for the flood insurance for the entire building even though it was already paid in full. I make the monthly mortgage payments each month, but due to Nationstar 's inaccurate billing they are saying that my account is delinquent, when in fact it has been overpaid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a current victim of identity theft, Transunion, XXXX, and XXXX  continue to report fraudulent activity on my credit report. XXXX XXXX, XXXX XXXX XXXX ( {$830.00} ), XXXX XXXX ( {$440.00} ), XXXX XXXX ( {$330.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.

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 2020-08-06
Company: LoanCare, LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX, XXXX, I had XXXX XXXX XXXX XXXX. We contacted Loancare to do a loan modification. We were approved for a trial plan and made the 3 payments in XXXX, XXXX and XXXX. XXXX advised us that they would send us the final modification paperwork which we received on XX/XX/XXXX. It stated that our first final modification payment would be due on XXXX XXXX, XXXX. They said nothing about any other payments before the XXXX. payment. I called Loancare on XX/XX/XXXX to confirm the XXXX XXXX payment. I spoke to XXXX with Loancare and he said that we had defaulted on the trial plan because we missed a XXXX payment. We were not aware of a XXXX payment due. He said that they had tried to contact me by phone 3 times. I didn't have that phone number anymore because it was a company phone that I had to turn back in. XXXX has my wife 's phone number and is authorized to contact her. She was never contacted. There were other ways to contact us. They have my e-mail also. I explained to XXXX that we had and have the money for the XXXX payment. He said that they can not accept our money now because we have defaulted. We have worked for 6 months to follow their modification plan. We were not aware of a XXXX payment between the trial payments and the final modification payments. Many people can not make their mortgage payments right now but we can and we want to so that we can keep our home and fulfill our obligations.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXXXXXX, 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 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 2021-07-07
Company: EQUIFAX, INC.
State: MO
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 am a current victim of identity theft, XXXX, Equifax, and XXXX  continue to report fraudulent activity on my credit report. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ( {$2600.00} ), XXXX XXXX ( {$6800.00} ), XXXX XXXX XXXX XXXX ( {$2400.00} ). FTC has been filed in XXXX of 2021, they did not comply within the 5-7 business days according to federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: FRESNO CREDIT BUREAU
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm sending this letter to get inaccurate information removed that's reporting to XXXX and Transunion. I've tried to have XXXX XXXX, XXXX and Transunion to remove and delete numerous 90 day late after the account was closed on XX/XX/XXXX. Numerous 90 day late from XX/XX/XXXX to 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 2021-06-25
Company: Convergent Resources, 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:
On XX/XX/XXXX, I sent XXXX  and Convergent Outsourcing ( original creditor XXXX XXXX  account # XXXX ) a followup letter regarding an alleged debt collection on my credit report by the company " Convergent Outsourcing ''. XXXX  has responded to my verification letters sent on the the aforementioned dates above. XXXX  has sent me a letter dated XXXX stating that the collection account has been DELETED but the account still remains on my credit profile. The account numbers shown on the letter sent from XXXX  are different from the account number shown on my actual credit profile. It has now been over 30 days since the original dispute on XX/XX/XXXX. They are in violation of my rights under the " Fair Credit Act '', for not removing inaccurate information off my account of this alleged debt on my credit report that is affecting my credit scores and ability to obtain credit. I demand that they immediately remove this debt upon receipt of this notice. Further more, I have also submitted a complaint here with both XXXX  and the creditor, Convergent Outsourcing, for their failure to remove the alleged collection account on my credit report. Please see to it, that this time is removed immediately off my XXXX  credit report.

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