BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-17
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:
This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Reporting Agencies to reinvestigate the disputed account reporting erroneous information on my Credit File. I am formally requesting with this CFPB Complaint to remove the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX Balance Owed : {$810.00} This kind of account is in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to zero or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.

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 2017-08-04
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like the CFPB to review my account for improper management of my payments. 
NationStar is presently holding Escrow Funds that it does not distribute to the County Tax Collector. 
I 'm referring to Property Taxes. I pay the property taxes separate from the Note, but yet they are  holding over {$7400.00} of my money. The XX/XX/XXXX Statement of XX/XX/XXXX shows they paid a Disbursement in the amount of {$7400.00} dated XX/XX/XXXX. I have no received that money, nor has the County Tax Collector. I have proof the County Taxes have been paid XX/XX/XXXX. They also change the amount of payment due on their account webpage from what is printed on the statement, not to mention withhold funds from being applied to the account. Please take notice of XX/XX/XXXX NationStar Statement, how they withheld one payment, pay it one month late and change the amount due vs.  Monthly Payment. Their receive dates which differ on some statements form my bank statement. Since payments are sent electronically, my bank confirms date of transfer. 
Also check the difference in Interest Payment due on the XX/XX/XXXX NationStar Statement, the  amount is different that what they post on their webpage. How can they change the payment due If the interest has not reset? I want a full refund of my Escrow Funds as I have already verified with the the XXXX XXXX County Tax Collector that NationStar has not sent them payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: IQOR US INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Allied Interstate called multiple times a day but would not disclose the nature of the call or refuse to let me know the purpose of the call. They asked for the owner of the company and have they done their research, we are a corporation with a parent company in XXXX. 

These people will not stop calling and was really pushy after repeatedly being asked for details of the call.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
Regarding Bankruptcy Case : XXXX Regarding Bankruptcy Case : XXXX The United States Bankruptcy Court XXXX XXXX XXXX XXXX California does not report bankruptcy proceedings, in any nature, to 3rd parties or furnish this information at all. Thus, XXXX is illegally obtaining this information from XXXX without having the information furnished to them nor ensuring if the information is accurate. Additionally, I had already requested for XXXX to permanently suppress my information from XXXX publicly facing public records data. Therefore, listing this bankruptcy and allowing that information to be furnished to XXXX is greatly harming me which is a violation under both the FDCPA and FCRA. 

There is no permissible purpose for this reporting and the illegal access of this data from XXXX. Under 15 USC 1681i this must be removed for the inaccurate and incomplete reporting that has caused me severe harm and hurt my credit score tremendously. Please remove this within 5 business days of having received this written request. Additionally, as per a violation of of rights listed in the Privacy Act, I am requesting {$1000.00} as remedy for my hardship that was endured from negative items being reported on my credit report. 

The immediate attention to this matter will be greatly appreciated.

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 2022-05-26
Company: EQUIFAX, INC.
State: NY
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 recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am filing this complaint against Ally Financial for breach of contract. The company had promised to remove my late payments for XX/XX/XXXX and XX/XX/XXXX. We both signed an agreement and the company has reinserted these negative marks on my account. 

In another aspect, the company has marked the month of XX/XX/XXXX as a late payment. This is what happened in XX/XX/XXXX, I extended my lease for an additional 6 months, extending it from XXXX until XXXX. I made the XXXX payment over the phone, as instructed by the representative who informed me it would be set up as an automatic payment. Despite having set up the auto payment, the company reported a late payment for XXXX. Surprisingly, I did not receive any phone calls regarding the matter, considering the payment was supposed to be automated. 

Furthermore, I never received any statements indicating that my payments were late, despite my repeated calls and insistence on obtaining such documentation. The online statements consistently displayed a balance of XXXX, adding to the confusion. Upon contacting Ally Financial, they initially assured me that the issue would be resolved within 10 days. However, upon my subsequent call, I was informed that an investigation needed to be conducted. 

Following the investigation, Ally Financial informed me that they had indeed missed the payment. I requested proof of their attempts to contact me, specifically an email indicating a past-due status, but they failed to provide any such evidence. 

This situation is stressful for me, my financial life is ruined by this problem. I can't sleep and I've lost my appetite.

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 2020-06-09
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/20, I used my Chase Sapphire Preferred credit card to book 3 days of lodging over XXXX XXXX Weekend through a company called XXXX XXXX XXXX ( similar to XXXX  for families ). The card was charged {$910.00} for the initial deposit. My wife subsequently became pregnant with XXXX and her XXXX   forbid her to travel due to the XXXX being high risk. When we tried to cancel the trip at the end of XXXX, XXXX & XXXX said we needed to use our travel insurance through our credit card due to their emergency COVID-19 cancellation policy. I assumed I had travel insurance through my Chase card based on their advertising. When I contacted Chase Card Benefit Services they told me I needed submit a claim through eclaimsline.com. I submitted all the requested paperwork and eclaimsline told me I needed more documentation. When I submitted that they told me I needed even more. Before I could finish submitting the extra documentation I received an email that the claim was denied. It seems that others have had similar experiences with Chase and eclaimsline based on online posts. Chase does not make it clear that they outsource their travel insurance benefits and that eclaimsline is not a reputable company. These links below depict other examples of this fraudulent behavior on the part of Chase and eclaimsline. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is my 2nd request to get Mr  XXXX to honor what they said i could do post covd19 forbearance which was to extend my past due payments to the end of my loan. I have been in forbearance since XXXX and still waiting on Mr.CoopXXXX and VA to assist. If I have to get an attorney to get the assistance that I need I will. I was current on my mortgage before entering into covd19 payments protection plan. I'm a veteran of the XXXX XXXX XXXX and need for Mr.Cooper to honor what they said I could do post covd19. Mr XXXX lied to me stating VA does not offer that program any more which was not true because I contacted VA myself and they informed me that Mr.Cooper refused to participate in this program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: TD BANK US HOLDING COMPANY
State: MS
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 account with TD auto was charged off XX/XX/XXXX as well as the truck repoed. This whole charge off account and everything should have fallen off my report at 3 years ( XX/XX/XXXX ) per Mississippi laws for debt collection. TD auto is reporting a balance still today and the balance is increasing each month like interest. This company has the truck and sold the truck at auction for more than I owed and then sent me a letter saying I owed XXXX for it. I have spoke to representatives at the company and disputed with credit bureaus. This is inaccurate information and should have been taken off my credit long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
nothing has been resolved equifax. This is OBVIOUS. I continue to get there blundering XXXX, long holds, hang ups today!!!! I have been playing phone tag all morning. FINALLYone of there incompetent answers the phone number they toldmeto call XXXX. This XXXX takes my information, tells me to wait, then 20 minutes later. Imbecile hangs up the phone!!!! NOBODY competent let alone intelligent enough to correct there blundering XXXX they SELF-CREATED ajoint account with my wifes information ILLEGALLY in my account. IS that clear or NOT clear?! # I told this last week. WHY would I continue to insult my intelligence with these phony SPECIOUS phone numbers. NOBODY answers. Generic robot generated calls to deceive you to hit another number for more stupidity. SIMPLE, I want my wifes information OUT of my credit report. TODAY, I want a copy ofmy credit file today. THESE idiots have blocked me from creating a generic security account at trustedid.com?! # Run around NOTHING has been resolved!!!! EVEN more outrageous, XXXX website doesNOT recognize me. There blunders toldme they were going to mail me a report number for the correct and/or secure website using the report number. I NEVER received. That was 10 days ago!!!! NOTHING has been investigated, NOTHING has been corrected sloppy inaccurate information is still there. Wrong phone number, MY wifes personal information in MY account. DELETE NOW!!! Plus, your password reset link does NOT work!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20
Company: EQUIFAX, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions 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 would like for the CRA 's to remove the negative 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 2023-09-25
Company: EQUIFAX, 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:
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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: CO
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:
To the Consumer Financial Protection Bureau I believe that XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX have violated my rights under the Fair Credit Reporting Act ( FCRA ). My privacy rights, as stated in 15 U.S.C 1681 Section 602A, have been compromised. Additionally, 15 U.S.C 1681 Section 604A, subsection 2, prohibits a consumer reporting agency from furnishing an account without my written instructions. To rectify this situation, I kindly request that you promptly investigate the matter and take appropriate action to ensure compliance with the FCRA. I seek a fair resolution that upholds my privacy rights and prevents future violations.

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 2023-06-25
Company: Credit Karma, LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tired to open up a credit karma account it says the info dosent match whats on file but i never opened up a credit karma account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't 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 719XXXX  has me at a score around 590. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed  now.with no help.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: FL
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 have been trying to resolve this matter with experian for the last few months. i informed experian about these accounts. Im not sure whats going on with their dispute center but theres been a lack of investigating. The account Im referring to is XXXX XXXX acct # XXXX {$300.00} THIS IS NOT MY ACCOUNT. I've attached my affidavit and im asking for a removal of the account from my credit report.

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