BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XXXX XXXX a account appeared on my Transunion credit report from a XXXX called XXXX XXXX. Upon calling XXXX XXXX I was informed that they have received a ton a calls from consumers complaining about this erroneous reporting. I have never had an account with XXXX XXXX and they were unsure what was happening and would follow up with me in regards to what happened. I demand that the account is removed from my credit report as it is an error and doesn't belong to me. Transunion is required by law to verify account that are reported to them and they failed to do so. Please remove 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 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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 2022-10-11
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
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: 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, TX XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX BalanceOwed : {$0.00}, XXXX XXXX Balance Owed : {$5800.00}, XXXX XXXXXXXX Balance Owed : {$4000.00}, XXXXXXXX XXXX XXXXXXXX XXXX XXXX BalanceOwed : {$1300.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX BalanceOwed : {$2500.00}, XXXX XXXXXXXX Balance Owed XXXX {$18000.00}, XXXX XXXXBalance Owed : {$660.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2500.00}, XXXX Balance Owed : {$230.00}, XXXX XX/XX/XXXXXXXX XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2016-04-11
Company: NATIONSTAR MORTGAGE LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have been separated since XX/XX/XXXX. I was waiting for her to be medicare eligible before filing for divorce. we entered into mediation counseling in XX/XX/XXXX and the mediator suggested that we each file bankruptcy in order to deal with our debt.. And of course once she filed, the debt cascaded to me and I was forced to do the same and since I was forced into retirement XXXX and found a job at XXXX my previous income I was unable to stay out of bankruptcy. She then decided to abandon our jointly owned Townhome that she was living in ( not the original plan she was going to continue to live there ), she stopped payments in XXXX XXXX and then notified the bank accordingly but continued to live there for sometime. Even after she moved to a different living space, she continued to pay heat in order to protect the home from freezing and then she notified the bank when she could not longer afford to pay the bill. We continued to receive statements from Nationstar Mortgage ( Originally XXXX ) Loan Number XXXX stating that we now owed ( {$29000.00} ) as of XX/XX/XXXX plus the Condo fees of around {$7500.00} in arrears. The outstanding balance is {$84000.00}. 
In XXXX XXXX I learned that we were the owners of a '' Zombie '' home. This prompted me to re-enter the home to check its condition since we were still responsible for the property. We learned that front door lock was broken off and replaced, when a key was available for the price of a phone call. The Bank had assigned a care taking company which was supposed to turnoff the water. However they were inept and the building suffered XXXX major water leaks which I found when I reentered. 
I then found renters for the price of the Maintenance Fees plus utilities but naturally before they could move in I had to fix the leaks, rip out and repair the garage ceiling ( to get at the broken pipes and replace the locks, thankfully I had the skills to do so. This included cutting out the damaged split copper pipe and soldering in new sections. It required XXXX of us us working over 40 hours to make the place livable.. A significant portion of the garage ceiling needed to be removed, the leaks fixed and the ceiling replaced. The Townhome is finally scheduled for a Sheriffs sale on XXXX/XXXX/XXXX. The home has been cared for and given back to the bank in much better condition than they themselves allowed for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: NH
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:
XXXX has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an 18 wheeler, my gap insurance included coverage for the remaining balance of the loan and any other outstanding fees. 

XXXX is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my gap insurance was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
I am inquiring about two accounts with the name of BRCLYSBANKDE. The account numbers are : XXXX & XXXX. 

I was not provided accurate consumer disclosure files under FCRA Section 609 ( a ) ( 1 ). I am also requesting the dates of first delinquency, as well as the FCRA compliance dates, along with the name of the party who reported the dates of first delinquency. I was not provided this information. 

My rights dictate my ability to obtain this information. 

I believe these two accounts are being re-aged, which is an illegal practice under consumer protection laws. Please remove these two accounts from my credit report 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 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
2nd Complaint For Filing a Lawsuit against TransUnion! There is a XXXXDay late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer Report. Thanking you in advance for your cooperation.

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 2022-11-06
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately 1. The inquiry was not authorized XXXXI Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX. Validate account XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report XXXX account XXXX Account Number : XXXX Please remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX XXXX inquiry on XX/XX/2022 ; XXXX inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX  inquiry on XX/XX/2022 ; XXXX XXXX XXXX on XX/XX/2022 ; XXXX XXXXXXXX XXXX inquiry on XX/XX/2022 XXXX XXXX inquiry on XX/XX/2022 and there is US DEPARTMENT OF EDU XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.

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 2018-08-17
Company: Tower Loan of Mississippi, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I took a personal loan with Tower loans in XXXX XXXX XXXX, XXXX, AL and six months into the loan, I realized that the company added life insurance, disability insurance and other insurance products to my account without my consent.I was never asked if I wanted to add these add on insurance products to my account.Anyway, I realized after six months of payments that my balance was higher than the original loan amount. When I called to find out why this was the case, the Manager explained that I had all these add on insurance products which I didnt sign up for.I requested for the insurance products to be removed from my account, but the Manager said that, I have to come in person and sign some documents for the products to be removed. So, on XX/XX/2018 I went to the Tower loan branch to sign documents to get the insurance products removed from my account.However, I was surprised when I called on XX/XX/XXXX, to make a payment and I was told that I have insurance products on my account.Again, I requested that these add on products should be removed from my account and the Representative told me he removed them, even though the Manager had told me before that I have to come into the branch and sign documents for them to be removed. XXXX XXXX, XXXX preys on their customer with their deceptive practices. This has to stop, otherwise I will never be able to payoff the loan.Please take action this deceptive 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
Consumer complaint received 2023-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
2nd Complaint For Filing a XXXX against TransUnion! There is a XXXX late-payment for the month of XX/XX/XXXX and XX/XX/XXXX on my Mortgage with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. Under 15 U.S. Code 1681s2, it states that, " transaction or experiences with the Consumer ( me ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) making the report is not included on my consumer report. TransUnion and XXXX XXXX XXXX XXXX, Ignorance of the law is no excuse. In conclusion, I have shown you and you have been put on notice that you are repeatedly reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the XXXX XXXX XXXX XXXX XXXX of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my XXXX Report. Thanking you in advance for your cooperation.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 of 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 2022-02-08
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XXXX, XX/XX/XXXX Re : CFPB Complaint # XXXX Loan # XXXX Property address : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX : I am not required to provide you with all my personal banking information. Please provide proof of such a requirement. 

XXXX XXXX your statement does not make it fact. The two pages of my statement provide all and sufficient data required for proof of payment. Admitting you are wrong is very difficult. 

XXXX XXXX provide substantiating data that show in XXXX of XXXX an actual need to increase our mortgage payment. 

XXXX XXXX if such proof is not provided, I request the CFPB rightly find you personally and Planet Home Lending , LLC in violation of the terms of my mortgage agreement. XXXX XXXX and Planet Home Lending , LLC must be held accountable to the highest degree of the laws. 

Empirical data proves that Planet Home Lending , LLC has a history of misrepresenting the truth, changing the monthly loan payment without ANY substantiating data and then falsely reporting to credit reporting agencies. 

Logically one would try to contact Planet Home Lending , LLC about the above mentioned issues but there is not customer service and a point of contact is never available and furthermore never is there a return call. 

Planet Home Lending , LLC is a predatory lender ; it is not conducting business in an honest and above-board fashion. They are lying to suit their purpose. I have provided sufficient, legal data to show proof of loan payment. These data are sufficient in all legal matters. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: HI
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2016-04-08
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( nationstar ) is telling me that I am short over {$5000.00} in escrow. I asked where did all the money you collected from me for escrow go? Keep in mind the increase in taxes and home insurance is only {$29.00} from last year. They are raising my mortgage payment over {$440.00} a month with less than 30 days notice. How is this my dilemma? How do they allow such a shortage. I asked if they can provide me a breakdown of where my escrow payments went and they said they could not provide it. I pay extra every month and to be told I am over {$5000.00} short doesnt make any sense. Also When they first took over my loan I owed {$370000.00} I paid for several months and all of a sudden I see that what i owed increased instead of decreaased. I do not trust this company. Please help me correct this.

Company response to consumer: Closed with explanation