BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
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: Account information incorrect

Complaint:
I alerted the company ( XXXX  ) that someone opened an account fraudulently using my information. They acknowledged through their investigation that indeed the account was opened fraudulently. It was initially opened in XXXX and I alerted them. Even after they found out that its fraud they are still reporting it to the credit bureau and its showing me 60days past due. I need them to stop reporting it and remove my information from this account.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act 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

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 2023-06-21
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:
Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The XXXX  system doesnt not provide complete social security numbers because it would be against privacy laws. Similarly companies such as XXXX, XXXX, and other third-party sources can not be 100 % accurate in the provision of their information to credit reporting bureaus because it would be against the fair credit reporting act. For the credit reporting bureaus to make this claim it would that my privacy most certainly has been violated. The CFPB is designed to protect my privacy and false reporting of information these bureaus can not claim to have. 

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

15 U.S.C. 1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from 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 non-monetary relief
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: GA
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:
According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Cumberland Financial Services, INC.
State: KY
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:
At the end of XXXX I took out a loan for XXXX 's XXXX with Cumberland Financial Services on a 6 months same as cash for {$6200.00}. In XXXX I paid {$2200.00} towards the balance. On XX/XX/2023 I paid {$4000.00} to pay the loan in full prior to the 6 months. As of XX/XX/2023 this is still showing on my credit report as open with a balance. I have filed a dispute with XXXX but they keep sending me back to Cumberland Financial. I have been on the phone and in emails asking Cumberland Financial to correct this and they keep saying it has been reported there is nothing else they can do. I requested proof that this was reported on 2 separate occasions with no response. I need this removed from my credit report with XXXX immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, 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 a a
ccount with my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: MI
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 am a single mother and was trying to purchase my first home to provide security for me and my child, & it wasn't until I started the application process only to realize all the fraudulent accounts on my credit report! Due to this, I've had to let go of what WAS my dream home for me and my child, now I'm stuck renting until you guys remove these fraudulent accounts!

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 2018-05-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MrCooper XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX This short sale has been open in XXXX since XX/XX/XXXX over 2.5 months ago. On XX/XX/XXXX we received a counter offer from MrCooper. On XX/XX/XXXX we sent a HUD and addendum showing the buyers agreed to the counter offer from MrCooper. 

Since then MrCooper HAS DONE NOTHING. No one will respond to us in XXXX We are being IGNORED by the negotiator and management. Today we finally found out that THE BUYERS ACCEPTANCE OF THE COUNTER HAS NOT EVEN BEEN SUBMITTED FOR APPROVAL. 

*************ITS BEEN TWO WEEKS AND NOTHING HAS BEEN DONE!!!!!!!!!!!!!!!! 

This is NOT Acceptable. The rep we spoke to today said something about restructuring and it is clear MrCooper is UNDERSTAFFED AND MrCooper is NOT ABLE TO SERVICE THEIR LOANS. 


I want an immediate status of the approval letter, without further delay or paltry excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The problem is- We went through XXXX weeks of severe XXXX stress and XXXX XXXX XXXX  because of negligence by XXXXXXXX XXXX XXXXXXXXFlagstar Bank. We also ended up paying higher interest rate of 3.75 % versus 3.25 % which was promised to us,, not closing the home on time and did not communicate or suggest the new closing date which put seller and my family in panic mode. I was told by seller that I am losing the {$25000.00} earnest money. 

Below are the details of the problem : We were referred to the Loan Originator organization XXXX XXXX XXXX XXXX by our realtor and we started working with them from XX/XX/XXXX. This company with our permission, locked the Interest Rate for the home purchase with FLAGSTAR BANK at 3.25 % for 30 year loan -7 1/2 ARM with 20 % down payment. 

We got the appraisal report from Flagstar Bank on XX/XX/XXXX for home ( XXXX XXXX XXXX XXXX GA XXXX ) appraised for {$960000.00} with sale price being {$910000.00}. We also got the closing disclosure issued to us by Flagstar/XXXX  Loans on XX/XX/XXXX on-track for scheduled closing date XX/XX/XXXX. Flagstar/XXXX  did not provide final CTC ( Clear to Close ) and we could not close the home as scheduled on XX/XX/XXXX. We did not get any information from them on the problem or the ETA to fix the problem. Finally on XX/XX/XXXX ( after 2 days of passing closing date ) we were told that the Flagstar team got the appraisal report changed by same appraiser to {$800000.00} from previous {$960000.00}.

Our family went through severe stress for 2 weeks as we were told to lose the $ XXXX earnest money, not knowing if we will be buying this house. Finally I sent emails via XXXX to XXXX Executive Vice presidents of Flagstar to get some attention from Flagstar and not be so negligent. They apologized for the service breakdown and revised the product and finally I ended up paying higher interest rate and additional PMI every month.

Questions : 1. Why no one from XXXX XXXX XXXX or Flagstar worried about meeting the closing?

2. Why was I not informed in advance that we will miss the closing date?

3. Why was I not communicated on problems in appraisal report in advance?

4. Why was the appraiser asked to change the home value by {$160000.00}? That too the same appraiser within the span of 10 days? 
5. How are we going to compensate the severe mental stress I went through for 2 weeks and financial loss due to institution 's negligence?

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 2022-10-09
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 fraud alerts or security freezes

Complaint:
I've had a problem with identity theft and reported this information to the credit bureaus. Transunion has removed credit freezes and fraud alerts from my account without even verifying that I was requesting that they be removed which I did not. They have also lied about placing them. When I told them I have the correspondence then the story changed. Transunion does not do their due diligence to insure protection.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your quick response and your decision to eliminate some of the fraudulent accounts listed on my credit file ; nevertheless, I continue to see other erroneous accounts shown on my credit file. I am sending you this CFPB complaint today to ask you to remove the XXXX  entries you have shown on my credit file once more. I sincerely appreciate the time and work you took to remove some of the things I asked you to remove. However, I discovered when I looked at my updated credit report that some of the things I had previously asked to be removed were still being recorded. On XX/XX/2022, I sent you a dispute letter asking you to reexamine my credit file and have the disputed entries erased as soon as possible. Please erase the following entries from my credit file once more : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}. These erroneous accounts are undoubtedly not mine, and the inquiries regarding me are unfamiliar. Please promptly erase the remaining XXXX  items from my credit file in accordance with Fair Credit Reporting Act section 605b. A violation of a consumer 's rights protected by the Fair Credit Reporting Act is continuous reporting of the disputed accounts.

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 2023-09-15
Company: Experian Information Solutions Inc.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of bankruptcies in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2021-07-29
Company: MSCB, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX MSCB INC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: ERC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The lender stole my principle and charge ridiculous " lend paid expenses '' without any notice during both XXXX and Mr.cooper transferred loan service. I have tried to contact for 3 weeks. they stated they investigate each other for long time. I have required Mr.cooper to correct the mortgage statement ( XX/XX/XXXX ). 
I did Loan modification on XX/XX/XXXX. 
new principal balance : {$280000.00} include ( Interest Bearing principal balance : {$220000.00} + Deferred Principal Balance : {$600000.00} ). Pl. see attachment ( loan modification ) I had paid the principal {$46000.00} to XXXX from XXXX. 
Pl. see attachment ( XXXX XXXX page1-9 ). 
Actually all principal were deducted to Non-interest bearing {$60000.00} ( deferred principal turned to advanced principal ). 
XX/XX/XXXX reversal to {$14000.00} to Bearing Principal balance ( {$240000.00} ) Pl. see the attachment /XXXX  page 9, bottom line. 
We have paid the principal {$230000.00} from XX/XX/XXXX to XX/XX/XXXX. 
Pl. see the attachment /mr.cooper. 
Until XX/XX/XXXX we have {$9900.00} balance. add {$60000.00} ( see attachment New file ) New principal balance : {$280000.00} - {$46000.00} ( XXXX XXXX ) -  {$230000.00} ( Mr. Cooper ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - {$9900.00} Due they don't response my email and answer my call. I require pay off letter by online. 
I got pay off letter on XX/XX/XXXX. {$60000.00} turned to Lend paid expenses ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSWORLD SYSTEMS INC
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Provided payment to XXXX XXXX XXXX on XXXX for damage to a company provided rental car windshield. Received three additional Payment Demand Notices since paying off the dept. Contacted numerous personnel at XXXX XXXX XXXX regarding the notice, including our account representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: WAKEFIELD & ASSOCIATES, 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
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 Balance : {$0.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2023-02-22
Company: EQUIFAX, INC.
State: VA
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 identified items on my consumer report that are a result of identity theft. These items listed are all 2nd paid transactions that do not have my written or verbal consent to report all items listed ( documents attached/ enclosed ). According to 15 USC 1681 C-2 I am filing this complaint. The items listed are also a violation of 15 USC 1681 ( a ), ( 2 ), exclusions, 15 USC 6802 ( b ) opt out. Some of creditors were warned by USPS mail about my rights as a consumer by ignored my correspondence and continued to violate my rights as a consumer.

Company response to consumer: Closed with explanation