BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX  XXXX Balance : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I used this credit card 4 a balance transfer ... b4 it became due I paid them off ... however I sent too much money ..now they refuse to send back the overpayment back to me. I've called numerous times requesting my close to {$1900.00}. Funds in overpayment back to me ... .this credit card refuses to do so ... please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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: Maximus Education, LLC dba Aidvantage
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. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : Dept of EdXXXX XXXX XXXX Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's 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 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
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:
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 ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX  XXXX XXXX Balance : {$8400.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; 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 2015-06-30
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Almost five years ago I was forced to file a chapter XXXX bankruptcy after years of battling with our health insurance and XXXX bills from my wife. She had a XXXX that caused her several complications and XXXX issues that continue to date. When I filed bankruptcy we met with a attorney and explained we would like to stay in our home and he suggested we try to modify with our lender to make our payment within our budget. We requested a modification and it was done around the same time as our bk filing. Our mortgage is with Nationstar Mortgage and we have had the worst experiences with them. When we initially refinanced with them we were told we could refinance into a lower rate/payment a year after we signed on our high and adjustable rate. We called them in a year our loan officer was no longer working there and they were not FHA approved so we could n't get out of the loan we had. I requested a payoff a couple weeks ago and it shows we owe over {$250000.00} with {$50000.00} in misc fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
In accordance with the Fair Credit Reporting act 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 an 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 explanation
Consumer complaint received 2022-01-19
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX I went to XXXX in XXXX, NJ with a mail offer for phones and services. I went through the start up process, for over an hour and when they tried using the promotion code- it wouldn't accept it. They tried calling the number on the notice and after another 40 minutes- was not getting any help. They said I would have to do this on my own time. 
We cancelled the entire request. ( I have the postvoid receipt ). This should have been the end of this transaction. However, on XX/XX/XXXX I tried to purchase a XXXX gift using my debit card with the last {$50.00} I had, to my name. It was declined. When I checked my bank account it was overdrawn - T-Mobile was pushing through an unauthorized auto-payment for the monthly service fee, for services I never received. I called the store, the manager remembered the transaction and he made sure the autopayment was cancelled so it didn't happen again. I spent another 2 hours on the XXXX " help '' line. A term I use loosely as I was disconnected 3 times and had to restart explaining each time. Finally I was told they see it was an error and that they issued a refund to my bank. It would take 10 business days! I called my bank, put in a fraud claim for the transaction and they also made me wait over 10 days to get my money returned and reverse the overdraft fees. XX/XX/XXXX I receive a " late payment '' notice from XXXX for the original balance and a {$20.00} returned item fee! XX/XX/XXXX I receive the monthly statement for the " charges '' due AND a collection notice from Convergent Outsourcing Inc. XX/XX/XXXX- I got back on the phone with the original store, the manager wasn't employed here any longer and the new one was rude and unhelpful. I called XXXX and they said the refund was already issued back in XXXX and that she has no idea why it recycled and was also sent to a bill collection agency. I have spent way too much time on something I really should not have had to think about after I left the store on XX/XX/XXXX. Over a month later they are sending me bills and collection notices and nobody seems to be able to remove me from the computer system to stop this XXXX. I am trying to rebuild my credit and this is NOT helping. Be aware of shady XXXX  and their offers via mailings or emails or anything for that matter.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-06-22
Company: The CBE Group, Inc.
State: UT
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:
CBE Group is reporting debts on my credit file that need to be removed. Any medical debt I had has been resolved with the hospital itself. I have asked multiple times for validation of the debt and have received nothing from them. They are in violation under the FCRA and the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Loancare Credit Bureau Disputes : I spoke with one of your agents and he requested that I send detailed information about my case. I will provide as much details as possible. I have tried my best to keep open communications so that there is no confusion. 

In XXXX I really started to feel the effects of XXXX  because my household contracted the XXXX 3 times, I was out of work for 3 months and my side business went to nothing. I applied to my mortgage company XXXX XXXX  for covid relief help which wasnt much just extra time. My credit score at this time is close to 800. 

I was pretty much forced to refinance my home back in XXXX with XXXX XXXX XXXX  to catch up and get some equity cash out for repairs and upgrades. I went from a XXXX interest rate to a XXXX interest rate and had to pay a $ XXXX VA funding fee that they promises would be 100 % tax deductible. I checked and irs said yes as long as I claimed it that same year. This came about and I find out the tax laws changed and I do not get this back. 

Between XXXX and XXXX my mortgage was sold to XXXX XXXX  and all this time I am in great communications with XXXX XXXX  and XXXX XXXX. They both promised me in writing and verbally that I would not be reported to the credit agency as I was actively coming current with the arrearage amount. This is about the time my mortgage was sold yet again to loancare and at this point I am so confused beyond comprehension. During my attempt to get this loan current I attempted to contact loancare to pay my mortgage for 3 months and kept getting told this mortgage has not been boarded yet and to call back. For 3 months this was happening. 

This brings us to current day. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now at 5 % XXXX  and still working through this to try and come current. I could bring this mortgage current if my credit wasnt reported by loancare as delinquent and my score went from almost 800 to XXXX. I have about {$200000.00} in equity that I can tap into with a HELOC or a loan that will bring me current and let me enjoy the low interest rate I deserve. I beg you to help be with this credit situation and honor the other 2 servicers promise to not hurt my credit. 

I have worked hard to keep my family and my home intact through a lot adversity. This has come to the brink of ruining a marriage, my health, and my trust and faith in the country that is supposed to be for the hard working honest, and good people that deserve to take care of their loved ones. I kept this as short as I could so not to bog you down with a lot of reading, I could say more. If you have any questions for me I am very open to direct communications. Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Back in 2009 I filed for BK included XXXX XXXX XXXX my Morgage company at that time. After the BK cleared they still refused to take over the house. I have called and written to them asking them to stop postponing the foreclosure date and even tried the dead in lue. After that they sold my account to XXXX and then to NationStar Morgage. I have tried with all these companies to have them stop postponing the foreclosure date and the dead in lie. No luck. I have the HOA taking me to court for the last 2yrs. I have no income coming in. This has been more than 5yrs, why do they keep denying my dead in leu and keep stoping the foreclosure? I do n't know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Nationstar Mortgage and my mortgage payment includes an amount for my homeowners insurance. Nationstar has failed to make the insurance payment again this year and my policy has been cancelled again. This is the third year in a row this has happened and each time it happens the insurance company raises my insurance premium for the next year. I 'm stuck paying higher insurance premiums every year because they will not pay the premiums on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This complaint is towards coinbase. On XX/XX/XXXX of this year, Coinbase locked my account because of a supposed denied transaction while trying to deposit money into my portfolio ( coinbase pro ) regardless of the fact that there was money in my account. I attempted to contact coinbase support on XX/XX/XXXX ( Case # XXXX ). Over the next several months up to today, I have attempted to contact them multiple times and filed two separate complaints and the only responses I could get were to wait for a response and to stop filing complaints because it supposedly only delays the process, which honestly doesn't make any sense since my complaint contains the case number above and compiling said information is not very time consuming ( neither is taking a look at my account and simply unlocking it. Yesterday Coinbase finally sent me an email claiming that the issue was resolved. It wasn't. While they credited my account with a small amount of bitcoin, it was irrelevant considering my account is STILL locked, thus not allowing me to remove my money from their platform. This is completely unacceptable customer support. This billion-dollar company still to this day does not have any live tech support. I can't speak to a live human being about the issue and obviously their online support system is unbelievably pathetic. I am far from being the only person with this issue. Only after complaining about the issue on their XXXX page did someone say that filing a complaint here was the only way they were able to resolve their issue, and it took them 6 months to do it. unacceptable. Please notice the dates in the screenshots provided. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: IL
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:
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report.

The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 tenth 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 XXXXXXXX XXXX XXXXXXXX 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 : {$38000.00} XXXX XXXX XXXXXXXX Balance {$46000.00} XXXX XXXX  XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023.

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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is a lot of personal information on my report that is not mine. I'm including a copy of the ID Theft Report I filed, My Driver 's license & utility bill as proof of ID & residence. I want any item that does not pertain to me to be removed.

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