BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate attention and should be delete asap.

XXXX/XXXX  IN THE AMOUNT OF {$4400.00}

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 explanation
Consumer complaint received 2019-08-05
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare bought my mortgage from the previous company XXXX. I was never informed about this transfer. When asked, XXXX was asked about this, they said it went to another address in XXXX that I am completely unfamiliar with and have never been associated with. Despite the fact that I had provided my current address to XXXX. 

Loancare meanwhile, never called to ask about the payment. Instead, Loancare went to the property on two separate occasions and " winterized '' the property without my consent while I was out of town caring for my sick and now recently deceased father. As if that is something you need to do to a property in XXXX in Texas! My car was in the garage with registration as well as bills with my contact information on top of an appliance they " winterized ''. They failed to contact me out of their own negligence. I have now had to pay to get the place " unwinterized '', get the locks changed, etc. At the time they completed this winterization, I had already brought the account current as I proactively reached out to them after noticing my old mortgage had been closed online. This is abhorrent! Who goes into someone's residence twice without contacting the resident? XXXX had all my information and LoanCare did as well, so their lack of record-keeping is unconscionable. They are now trying to bill me for an NSF fee when I can show no payment was ever returned. They can't keep their bills or contact information accurate, how can they maintain their business licenses? They obviously abuse the public trust.

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 2022-10-10
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-07-26
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
First, please reference case # XXXX. It was mostly resolved, but this directly relates to it. Immediately after the bank returned my money in XX/XX/2021, I called and asked them to confirm I would be given the airline miles I was promised when I deposited the money. I explained I was concerned that their records would wrongfully show I didn't meet the requirements. The Citibank rep. confirmed this would be no problem, but I needed to wait for it to process. 
I called back in XXXX as I did not receive it and they said an investigation would be opened and I would hear back within 5 days. 
In early XXXX I hadn't heard, back so I called again and was promised this was a " rare miss '' and an investigation would be opened. I received a form letter on XX/XX/XXXX stating I didn't meet the requirements, which was the whole point that I had called twice, knowing that their records would be wrong. 
I immediately called again and demanded to talk with a supervisor. They wouldn't let me talk to anyone else, but said they would open another investigation and that it would be different this time because their supervisor would be informed of the situation. I told them if it was not resolved this time I would be forced to contact the authorities again. They assured me it would be fixed within 2 business days. I received another letter over two weeks letter that was exactly the same as the prior letter. 
No one is listening to me. I have wasted many hours telling my story, but Citibank has only continued to commit fraud against me. 
I would be happy to provide copies of all of the letters. PLEASE HELP! THIS BIG COMPANY IS CHEATING PEOPLE!

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 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I noticed a collection and a few hard inquiries on my credit report I do not recognize

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 2022-12-12
Company: EQUIFAX, INC.
State: VA
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:
Greetings credit reporting agencies, my name is XXXX XXXX XXXX XXXX, and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my personal information without my written consent according to 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 Section 604 A Section 2. Please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report, and I as a consumer whose rights have been violated, I fully expect to see some positive changes to my report immediately thanks! 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX Account # XXXX has violated my rights. 
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 an account without my written instructions. 
Listed Above are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because I, as a consumer, have the right to privacy, and the creditors are clearly not respecting that! This is

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
i don't know what are you looking at when you do my investigation on this account from XXXX/XXXX  # XXXX it clearly shows that it's inaccurate!! this is a violation of my rights according to FCRA ... stop wasting time and delete this!! date last activity transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX... last payment : transunion XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX ... ... doesn't look accurate 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 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.

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 2021-07-09
Company: The Outsource Group, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent collection agency MediCredit a certified letter requesting them to validate a debt they claimed I owe that was reporting on my credit report. 

On XX/XX/2021 I sent a follow up certified letter to MediCredit requesting debt validation. 

On XX/XX/2021 a third debt validation request was sent certified. 

MediCredit has neglected to properly validate the account ( which included signed documents of me giving MediCredit permission to have access to my medical reports/history ) This collection agency continues to verify with CRAs XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: CA
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 previously identified this XXXX account as identity theft and submitted the necessary documentation for it to be removed according to 15 U.S. Code section 1681c-2. Today I received a piece of mail from the company without my consent to obtain mail at this address and they do not even have the address correct. This is a further violation of my rights to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
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:
TRANS UNION did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). TRANS UNION is in violation of my Federal rights because I have alerted and made TRANS UNION aware of the fraudulent, inaccurate and unverifiable information on my consumer report multiple times and they continue to report these fraudulent late payments.This is causing me a great deal of emotional distress. I have attached a pdf document to this complaint which includes all the violations and reports which show the inaccurate balance and information reporting between TRANS UNION and DEPT.OF EDUCATION/XXXX. Look at these inaccuracies : 1. DEPT OF EDXXXX **** {$3800.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 2. DEPT OF EDXXXX **** {$1500.00} ( 6 lates ) XXXX XXXX and XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1300.00} 3. DEPT OF ED/XXXXXXXX XXXX  {$1900.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$1800.00} 4. DEPT OF EDXXXX **** {$3700.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION {$3500.00} 5. DEPT OF ED/XXXX **** {$7000.00} ( 4 lates ) XXXX XXXX THE BALANCE SHOWING ON DEPT OF EDUCATION  {$5800.00} The inaccuracies of reporting by Transunion are above, how did TRANS UNION verify these accounts and are reporting the wrong balance? How can I be confident that they are doing a proper investigation? They are NOT. 

TRANS UNION did not comply with a proper investigation when I disputed the fraudulent late payments from the Department of EducationXXXX on my consumer report. I am entitled to verifiable information and proof of a proper investigation pursuant to 15 U.S.C. 1681i ( a ). 

I have also attached an FTC complaint and will follow up with a complaint to the Attorney General of Texas.

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 2017-05-09
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was bo ught by Nationstar  from  XXXX   XXXX  in  XXXX . M y Trust  handled by my attorney set up automatic payments through my bank not through    Nationstar. It was on auto pay for 19 months, then with no warning they blocked my payments. My bank informed my atty that it would not accept pyt. By the time it was caught and my bank called Nationstar they then accepted the two payments but did n't remove the 2 lat e payments from credit. They stopped the auto pay when I was refinancing somewhere else. As I was about to close on the new mortgage  Nationstar sta ted they no explanation why they took it off the auto pay making me late, now unfairly forced in to a 6month modi fication instead of a refi. 10.25 % on a  XXXX  $ loan done by dad is too high. This was an inheirted predatory loan by  XXXX   XXXX  done in  XXXX  with my dad. There are  3yrs m issing from the loan. I have documentation shows  XXXX  not  XXXX , payments are missing that I have receipts for, I have ample evidence from  XXXX  including newspaper articles, insurance papers, government papers all showing the Mortgage in  XXXX . Nationstar has been alerted to this however, they still blocked auto pay after 19 months no warning or explanation why. I was also in accident during this time, had no concerns as it was on auto pay all this time. Even with po! ice reports and hospital notes, they still made me late on purpose to stop my refi with another company. I was told by  Nationstar not to waste my time trying to refi with them to go elsewhere, now I 'm forced to a modification, 6months and still no answer. The two pyts they blocked are now on my report, they should remove tho se so I can refi. They stopped automatic payments after 19 months?? then said I was late. Also payments missing I requested my payments history that 's when I found missing paymen ts and 3 yrs mi ssing off mortgage from  XXXX   XXXX . I just wanted a better rate than over 10. % they do not have my original loan documents from  XXXX   XXXX , I still have documents not signed by my dad. He passed in  XXXX .  XXXX   XXXX  wanted me to proceed with a modification after his death under his name and I  XXXX ! ined. Now since  XXXX  did this, instead of refi I 'm  6months  in to a modification. Still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions 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:
Company : XXXX XXXX XXXX XXXX XXXX  account # : XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt.

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state.

Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation