BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XX/XX/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 2021-03-10
Company: EQUIFAX, 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 previously disputed a XXXX Credit Card with account # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} from the first time I saw it on my report back in XXXX because it doesnt belong to me. Over the years, I have sent several certified dispute letters disputing the validity of this item. And I don't agree with Equifaxs or XXXX 's claims that theyve investigated this item. On my last certified dispute letter to Equifax dated XX/XX/XXXX, I requested that they mail me the proof of their investigation within 30 days. It has been more than 30 days and they have not mailed me the proof. Equifaxs claim that the account is verified it's frivolous and unduly. I provided the reason for my dispute in simple language and they had 30 days to perform an investigation and mail me the proof of their investigation. Because this was not done, Equifax should delete this negative information. It has been a terrible experience dealing with Equifax. I have maintained a careful record of my communications with Equifax for the purpose of filing a complaint with the FTC, the Attorney Generals office, and a local court in Texas should XXXX  not remove this account from my Equifax credit reports. See attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX, I was approved for a loan mod with my servicer at the time, XXXX XXXX, and had to complete a 3 month XXXX, XXXX. I completed the trial plan on time. My loan had a mod start date of XX/XX/XXXX, however, my loan transferred servicers to Rushmore loan on XX/XX/XXXX. I did not receive my final loan documents from XXXX XXXX. I called my new servicer, Rushmore loan in XX/XX/XXXX to discuss that I have not received my final loan documents yet. They stated there is a delay due to the transfer of my loan and the documents will be sent out shortly. In XX/XX/XXXX, I called Rushmore and spoke with a rep that I have not received my loan documents still. The rep advised me that they are working on them. On XX/XX/XXXX, I received an email from Rushmore to view loan mod documents via a online site. I reviewed the documents, however the loan terms were not correct. I called Rushmore, escalated my call to supervisor, once I got in contact with a supervisor, I explained that the terms on the documents were incorrect. They advised me that they would review and get back to me. After a few weeks passed, I had not heard back regarding the matter. I called Rushmore in XXXX of XXXX, had my call escalated to a supervisor, and once I got in contact with a supervisor, I explained my situation with my loan mod. The supervisor stated that they would look into the matter and make any corrections if needed and requested I send rushmore my XXXX  letter. I did not hear back from Rushmore until XX/XX/XXXX, where I spoke to a rep. The rep stated that new documents had been created on XX/XX/XXXX, and the terms had been corrected. However, I stated that I was not aware of these new documents, I was not advised that new documents had been created, and that I did not receive any new documents. The rep advised they would mail me a set of the new documents. I received the corrected loan mod documents. I then called Rushmore to discuss the documents that I received, I spoke with a rep who advised me the loan had been denied and review closed. I never received a denial letter regarding this decision, and I was not given the proper time to review and return the documents before Rushmore improperly denied me. The documents were created on XX/XX/XXXX, never advised me of these documents, got sent to me more than 30 days later, and once received, I was denied my loan mod because I didn't return the documents back in time.The servicer was six months late with generating the correct documents to sign. I never received the documents in time and was denied because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
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 sincerely appreciate the effort you've dedicated to ADDRESSING some of the fraudulent items in my file arising from an alleged identity theft. However, there are still ITEMS remaining that require attention. Once again, I find myself a victim of identity theft, prompting this request to ELIMINATE the ITEMS from my credit file linked to this alleged identity theft. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove any items no later than 4 business days after XX/XX/2023. This matter has been previously addressed in my earlier communication and is reiterated here with a new FTC REPORT # XXXX. The information you provided on these items is UNKNOWN to me, having been REMOVED from other bureaus, and I harbor doubts about their accuracy 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXX XXXX XXXX, TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage , LLC, bought out my mortgage from my previous lender in XXXX 2015 and in the process changed billing information on the account without my authorization, including setting up an impound account ( Escrow account ) and changing themselves to the billing recipient and payee of my homeowners insurance policy. When the renewal came due, I was not notified and instead Nationstar paid this on my behalf. Three months later, and without any form of notification, Nationstar is now covering this cost in my billing, with additional fees and an expectation that I will be paying another couple hundred dollars to pad the escrow account I never authorized. Every representative I 've called has told me something different and I 've spent at least 6 hours on the phone with them. I 'm not the first customer to complain about having to jump through hoops and their lack of communication and account manipulation ( look at their XXXX page ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ALLIANT CREDIT UNION
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: Credit inquiries on your report that you don't recognize

Complaint:
As of recent I've applied for an auto loan but the dealers ran my credit giving me multiple hard inquirers hindering my ability to gain approval from possible lenders. Also in my adverse action letter they are telling me due to limited credit history that they are unable to extend me credit. First, I feel that I am 100 % credit worthy and from my understanding, ( legally ) limited credit history is not a legal reason to deny me credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 deleted or updated. These are the items I demand to be deleted immediately 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 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 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 2016-04-15
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
we refinanced our mortgage last year when rates were lower and we had nationstar, they gave us to XXXX who said they are the parent company. 
XXXX told us how much our payment would be a month which was {$660.00} and we wanted the lower payment from our {$720.00} range so we decided to do it. At that time we owed {$76000.00} and after the refinance it went up to {$78000.00}, the problem now is we get a letter telling us not enough was estimated for the escrow and now we have to pay the extra {$64.00} a month. 
Now we are paying the same as before if not more because someones mistake, not on our part.And after it was refinanced they sold us back to Nationstar I have called to talk to someone and they gave me the specialist who could not answer my question as to how someone only estimated half our yearly taxes into the refinance when we have 5 years history showing what it was, I feel like it was done on purpose and they knew what they were doing and took our {$2000.00} we paid to refinance also, something does n't add up here at all, why are we paying 3.5 % and its the same as the 5 % thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX. XX/XX/2018. Multiple accounts and dollar amounts. 

Due to my health conditions I am unable to pay this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted SPS on XX/XX/2020 to ask for assistance because as a self employed due to COVID 19 affecting my state of Georgia I was out of work with no income. They contacted me on the XXXX of XXXX advising me that they will put my loan on forbearance for 3 month, but I have to pay a balloon payment on XX/XX/XXXX if they can not find other workout for me. Which mean loosing my hone. This was what XXXX gave them as an option. 
How can I pay almost {$6000.00} in XX/XX/XXXX if do not have {$1.00} as income today?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
It saying Im not paying on time while its not showing which account is not being paid on time. And its saying zero late payment for the last 12 months yet out of nowhere my credit drops to XXXX point with no proof of what caused other then you have a delinquent account with lates payment.

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 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 victim of identity theft. The following accounts and credit inquiry is listed on my XXXX, XXXX  and Trans Union credit report and is fraudulent and not mine : XXXX XXXX, XXXX/XXXX, XXXX/XXXX/XXXX. The accounts and credit inquiry is fraudulent, unauthorized and dont belong to 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 2023-12-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My social security number is XXXX On XXXX  credit report and equifax Credit report and XXXX XXXX report there are negative items that supposed to be blocked from my credit report I have filed a federal trade commission identity theft report on file please have XXXX  and equifax and XXXX XXXX removed these negative items from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX Accounts and Inquiries on all three credit reports.

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 2022-11-03
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday XX/XX/XXXX, I took my children to see XXXXXX/XX/XXXX at the XXXX XXXX XXXX. While there, my card slipped out of my pocket and someone must have picked it up. The following are the charges incurred and the dates as well : - XX/XX/XXXX - XXXX XXXXXXXX XXXX  : {$48.00} - XX/XX/XXXX - XXXX XXXXXXXX XXXX XXXX : {$72.00} - XX/XX/XXXX - XXXX : {$11.00} - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  {$91.00} - XX/XX/XXXX - XXXX XXXX : {$23.00} - XX/XX/XXXX - XXXX XXXX : {$250.00} TOTAL : XXXX I noticed the fraud when I checked my account on the evening of Saturday XX/XX/XXXX. I immediately cancelled my card and contacted the Bank 's Customer Support line ( Chime ). They informed me that since the charges were still pending that they could not process a dispute and that I would have to wait until the payments process, giving me no way to reach out to these vendors and/or their credit institutions. 
On Monday, XX/XX/XXXX, I was able to file XXXX disputes for the fraudulent charges ( you can only have XXXX charges total on one dispute ). Those claim numbers are XXXX and XXXX. Chime provided temporary credit for XXXX of those charges ( Food Lion for {$91.00}, XXXX XXXX XXXX for {$48.00} and XXXX XXXX for XXXX ) and claimed the rest would remain in limbo until they finalized their decision. 
On Thursday XXXX, I received notification that Chime states that no error occurred and that my claim would be closed. I rebutted, received a police case XXXX  with the XXXX XXXX, SC police department ( # XXXX ) and informed Chime of these actions. Less than XXXX hour later, they responded and said that my rebuttal was denied that they were officially closing my claims and I am out of the {$500.00} that was stolen from me. 
I am waiting for the case to be available for viewing from the police department ( the intake call representative told me that it could be a couple of days ). Once I receive it, I will send it over to Chime ; however I'm not anticipating any support from their end. 
Chime is repeatedly stating that this issue is XXXX of my own doing, when in fact, it was theft, fraud, etc. I need help recouping these funds. I am a single mother and this money was supposed to go towards our housing and utilities ( first of the month ) for XXXX. 
I only started having funds deposited to this account a little over a month ago when my husband and I separated. I wanted to have a safe space for my finances while we undergo a divorce and this was the quickest and easiest account to use at the time. I am highly disappointed in Chime & their customer service team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified debt validation letter to Jefferson Capital asking for a completed signed application of the alleged debt owed plus dates within the timeframe of 30 days. This alleged debt was from XXXX. They took it upon themselves to add this on my credit report in XXXX re-aging the debt to XXXX. How can any of this be possible? They are ruining my credit. Notice the dates on the letters I uploaded. Which are XXXX. I do not know who these people are. They did NOT attempt to contact me until a week ago yet they out this on my credit report today and the date on my credit report states XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
The loan officer talked to fast and didn't explain details of the loan very well. I went to go sign the closing documents and it wasnt until then I found out I was getting two mortgages placed on my home ; both are adjustable mortgages ; a first and a second with a higher interest rate. None of this was explained to me, I had no idea this was what I applied forI asked the notary why I had to sign another deed of trustThe notary had to explain I was signing two deeds of trust because one is a first mortgage and the other deed of trust was for a second mortgage, she asked me if I wanted to cancel the signing and or call my loan officer and I told her no that I needed the money.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation