BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Ive been disputing a credit card that is reporting on my credit report that is false and causing me to be denied credit. I receive letters for three different debt collectors about the same debt, when i try to dispute with the address given my mail is being returned to sender. I have no knowledge and or contract with this company or any of the other companies that is trying to collect on this inaccurate debt. the alleged debt is in the amount of {$750.00}, I have not been provided with any proof that I owe such debt from any of these debt collectors and credit bueraus. Everything continues to come back as verified accurate still with no proof of accuracy. I have a letter form the alleged original creditor XXXX XXXX XXXX stating that they have no record of the account ending in 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 2023-01-30
Company: Experian Information Solutions Inc.
State: LA
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:
See attached!! The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, last verified inaccurate and date last reported is not accurate. Some accounts are showing open and some are showing closed status.The account is in charge off status but still showing a balance this is a tax fraud because this alleged debt has been written off on the companies profit/loss statement and I have not received a form 1099c and are trying to collect on an alleged debt twice. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. According FCRA guidelines information furnished on consumer reports have to be 100 % accurate across on all XXXX credit reporting agencies or the account has to be removed from my consumer report as this constitutes 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 explanation
Consumer complaint received 2023-02-01
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good evening, My home loan account number is Account XXXX with US Bank XXXX On XX/XX/XXXX, my XX/XX/XXXX payment was returned due to insufficient funds. 

However, I transferred the funds and made a payment of {$1200.00} from my bank account on XX/XX/XXXX to US Bank. To date, after repeated calls and nearly two weeks after sending my Bank Statements to prove the deduction was NOT returned, I have not received an update from US Bank. Their records still state that my payment was not received. I am getting the run-around. 

It is now XXXX and the potential false-negative report of a missed or late payment would negatively impact my credit score.

Calling their customer service line is pointless because the reps refuse to read the notes before giving me " inaccurate '' responses. An investigation was opened and I was told that to call back on XX/XX/XXXX. When I called back, they did not have any updates and I was told to check back again on XX/XX/XXXX. I checked my statement online and the {$1200.00} still has not been applied to the XXXX balance. 

As a US Bank customer of 6 years, this is the worst customer service that I have ever received. 

My phone number is XXXX. I would like an update from US Bank from a supervisor. I would like for the {$1200.00} to be credited to my account, and for any negative reports to be removed from my credit. 

I have been trying to pay the mortgage balance of {$100.00} -- payment increased due to escrow -- since my first call on XX/XX/XXXX -- However, I could not because of the initial {$1200.00} that was not accounted for. Their system will not allow to me make any payment amount other than the full balance due -- which is currently inaccurate. 

Thank you for any assistance that you can provide. I have called multiple times, emailed, sent the bank statements, and never received a response. 

Sincerely, 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 monetary relief
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I do n't have the income at this time to pay back my loan and I 've been given the option of forbearance from Navient but not once was I told I would still be charged for interest until I read an article about Navient being sued and it mentioned it in the article.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company has added their information to my credit report and I in fact had NO DEALINGS or NO CONTRACT signed with this company. Please remove from my credit report now or I will be forced to take legal matters! Please remove from my credit report NOW!!!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: TN
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 am a victim of identity theft. I filed a police report and a FTC report and submitted them to the credit reporting agencies with my disputes. The disputes were not filed correctly and the paperwork was not attached per the FCRA> And I did not get copies of the verification process. 

These are the accounts : 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 2023-08-30
Company: EQUIFAX, INC.
State: AZ
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-18
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 is missing that should be on the report

Complaint:
I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, XXXX  and Equifax showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: First Credit Services Inc.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
first credit service contacted me in XX/XX/2018, i told them to stop calling me, i was disputing the debt. Now they call at least 7 times a day, from all different numbers. on XXXX-XXXX-18 i asked them, again, to stop calling me. The calls have only increased in number since them. They call from XXXX until XXXX, all day long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Atlanticus Services Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I got a lady today stating that my credit card company Aspire wants to Increase my " monthly maintenance fee ''. First of all I never new I had a maintenance fee, how can I get out of debt when I am paying all of these fees. This just started in XXXX so I wasn't aware of it. My account is in good standing and I never missed a payment, always pay more than what is expected etc. So I call there today and directly get someone in Account Services and right away the guy on the phone assumed I had called to discuss the changed in terms on monthly maintenance fee which apparently I was never told about but generically told In my terms that I may be not how much or when. So now I have this letter that is telling me not only do I have a fee that just started in XXXX now I am going to have to pay more as of XXXX. 

I think this is predatory to the borrower and a way to push the borrower to cancelling their account but why bother giving me an account in the first place. I pay my bills on time and more that what is due each month. Also I was told that even if my balance is paid off I still have to pay the month fee. 

Help me XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted Transunion to clear up a record regarding a settled debt, and received a message saying it would have to be " manually processed. '' I did not hear from them after two months. 

Here is the background settled a debt with XXXX XXXX XXXX XXXX XXXX. At the time of settlement they created a new account number for the debt, stating in their letter that it was for internal purposes only. After settling the debt it still shows up on my credit report as " charged off '' rather than " settled. '' In my understanding this single debt ( regardless of if it is tracked under XXXX account numbers ) must be listed as " settled '' or " legally paid in full for less than the full amount '' to be fully FCRA compliant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of XXXX I filed a XXXX XXXX  bankruptcy and in XXXX of XXXX I had to file a XXXX XXXX bankruptcy due to being left with debt from a bad relationship. I contacted each of the credit bureaus and asked them to remove these 2 negative items early off my credit report since both are almost at the maximum amount of time that it can remain on my credit report. I also asked all 3 credit bureaus to remove all the late payments that related to me having to file the XXXX XXXX bankruptcy since all of them are approaching the 7 year mark. Im asking for their removal because all are scheduled to be removed throughout this current year and I would like my full credit back and I have paid the price for these mistakes for long enough. I would like to buy a house this year and these marks will cause me to pay more interest than necessary. Im also still getting declined for unsecured credit cards because of all these negative marks. I feel that my credit history over the last few years has shown that I have overcome my previous issues and its unnecessary to keep punishing me for things that happened so long ago. I dont feel that its fair to continue to punish me and hold part of my credit hostage for such old items.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete 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 non-monetary relief
Consumer complaint received 2016-09-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage , LLC has continued to state that XXXX is the owner of my mortgage loan. I am unclear as to the terminology which is being used in this statement because, XXXX ca n't be the owner of my mortgage, unless the promissory note was properly delivered to the trust by the cutoff dates that the trust could accept assets. If XXXX owns the mortgage or the note please provide the requisite chain of assignments from the originator to the sponsor who organized the securitization of the mortgage, to the depositor and then to the trustee. Please provide the delivery and acceptance receipt to document the transfer and delivery of the note from the originator, to the sponsor, from the sponsor to the depositor and from the depositor to the trust. Furthermore, I am disputing the promissory note as being the original note because a copy of the note can be copied multiple times. I want a color copy of the note, front and back and will not accept anything less.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper ( former Nationstar ) is my current loan/mortgage company, in XX/XX/2018, company increased my payment by $ XXXX/month without any reason. 
Their phone is XXXX They told me that payment increase is due to escrow increase ( property tax from county and city ). 

I went to XXXX county and XXXX XXXX/sc city and asked them to send refund to Mr. Cooper, I called Mr. Cooper today ( XXXX ) and they told me that they already received refund from XXXX county and still don't want to change my monthly payment. 

It is just like rubbery ( my coworker told me it is illegal to increase mortgage payment ). 

My property address : XXXX XXXX XXXX XXXX XXXX, SC XXXX my name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, are all inaccurate items currently reporting on my credit report. I need all of these items as well as all accounts associated with this information to be deleted from my credit report immediately. My name is XXXX XXXX XXXX and my only address is XXXX XXXX  XXXX XXXX XXXX, AR XXXXThanks

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