BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission. 

Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law.

The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights.

In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental. 

I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2023-11-09
Company: EQUIFAX, 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:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The SPS mortgage servicing company is my mortgage servicing company on my primary residence mortgage ( property located in XXXX, California ). 

About 3 months ago, I realized that they have two account open for me ( one for XXXX property and another account related to a mortgage in XXXX California ). I told them that I have no property and no mortgage in XXXX California and my only account must be related to the mortgage of property in XXXX. They promised to investigate and eliminate this account from my name. I called them multiple times during the last 3 months. Everything they promise to resolve it but nothing happens afterward. This account seems to be fraudulent and either by mistake or by identity theft is assigned to me. 

I have talked to SPS company multiple times and submitted request to eliminate this false account via their web site. The SPS company has refused so far to clear the mistake or identity theft. I'm disappointed as it seems like the company is not caring and it is not doing its job properly to rectify the identity theft or mistake They even refuse to give me information about the other account. They keep me responsible for the account but they refuse to give me information about the account!!! This is totally unacceptable. I need to escalate this to the government authorities as SPS is not doing its job properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company, Transworld Systems. Also known as TSI continuously fail to properly validate a medical debt they say I owe. On XX/XX/2108, I requested a debt validation. They only sent me a print out of a bill, which included private medical information. They failed to send me a requested HIPPA release form with my signature on it authorizing XXXX XXXX to share my private medical information with them. 

Yet, they continue to report negative information to the credit bureaus making it hard for me to maintain good credit. They claim that the situation was resolved, but it wasn't. 

The debts are in the amount of {$1000.00}, {$500.00} and {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company sold to a new loan company in XX/XX/XXXX. I called and also mailed XXXX XXXX my new mortgage Information. XXXX XXXX never updated the my loan information like I told them. In XX/XX/XXXX I received my XX/XX/XXXX loan payment back from the old company saying they can no longer accept my payment. I contacted XXXX XXXX  to send thr XX/XX/XXXX payment out to the new company and it is now XX/XX/XXXX and it still has not gone out. I have contacted them several times and they keep saying they are sending it. As of today I am 60 days delinquent on my mortgage payment and they are not correcting the situtation. Can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XX/XX/XXXX Bank of America placed a balance hold on my business checking account totaling {$4000.00} then placed a total account hold/freeze on my account. 
After calling their customer service innumerable times to try and determine why, there was no resolution. I've spoken to multiple departments and tried to escalate the matter, and after a collective call time of about 5 hours, I was finally told that apparently my account was flagged for suspicious activity and is under investigation. I then spoke to the risk closure department and they said they are in the process of closing my account. I've requested to speak to the investigator/analyst who is supposedly still investigating, but they said they have no means of connecting me with them. They said the investigator will reach out to me but I have not heard from then at all. I have been a personal checking customer since XXXX, and a business checking account customer since XXXX. I am in urgent need of the funds in my account to run my business operations and this hold is affecting my greatly in these times.

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 2021-03-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to mortgage company several times by telephone. I also have been told multiple times to reach out using relationship manager email address. Please see attachment of monthly contact and my receiving zero response beyond youre still on forbearance. We will update you as new information becomes available. In the interim Ive been told to submit my bank account statement which I have done. 

Ive asked multiple times for reduced payment, refinance to lower payment as well as place all arrears to end of my loan and please remove the late fees. 
My requests have been ignored multiple times. 
When I submitted a report, SPS Inc remitted partial information to you and acted as though Ive provided no addl update, banning additional remedies of help on their part. 
I have been and continue to be impacted by COVID. I have not been able to work for almost a year. Ive been looking for work and opportunities have either froze halfway through interviews or have been halted until we are past pandemic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: MA
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 was a victim of identity theft. I reached out to experian who with documents and a few phone calls removed the fraudulent account from my report. About a month ago. I noticed that the account popped up again. I uploaded that they had resolved this in my favor & removed from my account. 
I have never had an account with this company. When I reached out. They even said they would cease. 
This is affecting my credit score & history.

If the account has once been removed. It should stay off my 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 2022-08-18
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2023-10-31
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Ive been disputing a charge for merchandise that arrived damaged when shipped. The store I ordered from was unable to fix my account, or lied about trying to fix it and didn't bother, and the only other option they gave me was to start a credit card dispute. I submitted chat logs to AMEX proving this when opening the dispute and its clear they aren't looking at them. They messaged me some unrelated documentation that has nothing to do with the refused dispute and refuse to look at the documenation I provided. To make things even more frustrating, they will call at a weird time and than leave in comprehendible message asking for more information despite me providing it and than within XXXX minutes of making the call close the dispute without anytime to call them back. They're clearly make this impossible on purpose.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Dear sir, Upon the request from TransUnion LLC, addressed XXXX XXXX XXXX, XXXX, XXXX  XXXX, I would like to tell you that I never requested to get my credit report through your company, since I do not recognize your company name at all in my memory and I have never received any credit card from your company. If you have requested to TransUnion with my name, even if, it is my name it is not from me, because I do not know you. Therefore, if you tried to get my credit report, you did without my permission. Under the advice from TransUnion, would you investigate the matter whether you have opened an account in my name, XXXX XXXX. If so, you determine that someone fraudulently applied for credit card in my name, would you close that account immediately, because it is clearly against the law internationally. Besides, TransUnion requested you to contact this credit report company, XXXX, for a request of removal of your inquiry for my credit report in the past. 

Sincerely, I will send the letters with same content to the following companies. 

XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( No phone number ) XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX XXXX  : XXXX XXXXXXXX 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 2022-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Recieved an email that a checking and savings account was opened. I had a similar issue happen a few months before and had my credit frozen and fraud alert. An account was still opened

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 2023-11-09
Company: EQUIFAX, INC.
State: IL
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX  Account # 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter in the mail claiming I was denied a Macy 's credit card account due to them not being able to verify identity information. I didn't even apply for a credit card for Macy 's so someone must've attempted to with my information.

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 2022-08-19
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
NCA National credit adjusters account #, you stated that you { verified } a incomplete credit report quote NCA-VERIFIED AS REPORTED your quite, NO account number, and you can not report this as a open account you told the CFPB you verified the account that in its self is a U.S.C. violation, the original creditor you state name with no contact information that's another violation so we are looking at about {$4000.00} in violations I request where you got your information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning, My name is XXXX XXXX and I am XXXX XXXX 's fiance. We're filing this complaint, today, because there are a number of very serious issues with the loan modification that was done for us by Nationstar Mortgage - now Mr. Cooper. 



We purchased our home in XX/XX/XXXX and refinanced in XX/XX/XXXX. At the time when we refinanced, we paid {$150000.00}. We were doing fine, until XX/XX/XXXX when a series of unfortunate happenings occurred. Nationstar was happy to assist us and the attached paperwork is the result of their work. 



As you can see, in the modification documents, the POST modification Principal Balance amount is {$190000.00}. they took all of our past due payments, the interest, late fees and legal fees and simply added them to the principal balance. This put us at roughly 150 % loan to value. Which, is against Federal and HAMP guidelines. 



I'd like to ask you to look further at the documents and you'll see that this is 'titled ' as a HAMP Modification. However, when I spoke with a representative at Mr. Cooper, on the XXXX, we were informed that our modification was, indeed an in-house Tier 2 modification. These are some very alarming and disturbing issues. 



The current value of our home is roughly {$120000.00} and Mr. Cooper is refusing to assist us, as my fiance has been on standby from his construction work since last XX/XX/XXXX. He's about to go back to work next week and we have more than enough disposable income to resolve this issue and get back to the good faith payments. 



We're asking that you assist us with resolving this matter amicably and to the best of our interest. What we're looking for is a proper loan modification - with the past due payments recapitalized into the remaining 37 years of the note, as well as, a Current Market Value appraisal of our home, so we will be paying a fair market value. 



You can reach out to me at XXXX or my fianc at XXXX who is on the note I'm on title, any time. Thank you and we appreciate your assistance with this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief