BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
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.

has violated my rights. Or list of inquiries 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 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 2015-06-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for assistance in saving my home on XXXX XXXX, 2015 by submitting a complete financial package to my servicer Nationstar. On XXXX XXXX, 2015 I was advised I was denied for a loan modification on XXXX XXXX, 2015. I have been trying to get a copy of my denial letter and NPV chart so my attorney can appeal the denial however Nationstar is evading giving me the information. They are stalling and making me request these items in writing and soon my ability to appeal my denial will be over because they have stalled now XXXX days and I only have XXXX days to appeal. I have been told this is a common tactic used by Nationstar to stall after denial in order to evade an appeal. They finally sent my attorney the denial letter by fax on XXXX XXXX, 2015. But they purposely left out the NPV chart and said I have to request that in writing. Another stall tactic to burn more time with the goal of pushing me past the XXXX days period to appeal. I am now waiting XXXX days and still no NPV chart. Attached I have included my written requests required by Nationstar just to get a copy of my denial. I know there was an error in my last review. The reason they are telling me I was denied was due to " Negative disposable Income ''. I know this is not true. There is some sort of mistake with the information they have and the only way I can find out what information is wrong is if they give me my denial letter NPV chart in a timely manner. Please stop Nationstar from this practice of stalling and avoiding issuing a denial letter and NPV chart. It does n't seem right that they are now requiring people to request the NPV in writing and only issuing it to them after the time period to appeal has expired or almost about to expire. I am running out of time and Nationstar is purposely stalling so I can not appeal. This is wrong and I am sure they are doing this to many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: GOLDMAN SACHS BANK USA
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:
This account dont belong to me Please remove this account of all 3 credit report agencies, look here the accounts to delete 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft GOLDMAN SACHS BANK USA Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
someone logged into my well fargo account changed the password and email to XXXX I am unable to log into my wellfargo please secure 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 2022-10-20
Company: Experian Information Solutions Inc.
State: NC
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:
This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2020.

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 2022-09-26
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:
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 Account Name : XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX  XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX, Account Name XXXX XXXX XXXX XXXXXXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crime 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 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 2023-06-28
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally Financial and their business partner XXXX XXXX sold me a vehicle, deceiving me about the value of the vehicle, ability to refinance, and my credit worthiness. They took advantage of my naivety, marking up the vehicle over 150 % above XXXX, promising me I'll be able to refinance 6 months later, and ensuring me the validity of a deal to ensure me in a contract that put me at a significant and long lasting disadvantage. This was confirmed sic months after the deal by the XXXX of the same dealership, who told me I was taken advantage of. Ally Financial knew this was happening and enable and participated in this fraud. I believe they did this because I was an XXXX XXXX XXXX woman, and discriminated based on my age and 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 2023-04-14
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid 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:
I called the company on XX/XX/XXXX to dispute a charges with XXXX. They sent me a letter dated XX/XX/XXXX stating it had been resolved in my favor. I called on XX/XX/XXXX to say it was not resolved because charges still on my card. They said I had to send a fax to the billing dispute section which I did on XX/XX/XXXX. I was assured no interest or late fees would be charged. No response as of XX/XX/XXXX so I called again. I was passed around from one person to the next. They would not even confirm receiving my fax. A supervisor was supposed to get back with me. I was assured again no interest or late fees will be charged because still disputing. I called again on XX/XX/XXXX because no response. XXXX confirmed nothing done since my call on XX/XX/XXXX. Assigned a new case number. Was supposed to get call from account manager. Assured again no interest or late fees to be charged. Still no response so sent another fax on XX/XX/XXXX. By XX/XX/XXXX, still no resolution or written communication to XX/XX/XXXX or XX/XX/XXXX fax so I called again. You get passed around from person to person with no one able to make a decision. Despite assurances no interest or late fees, I have been charged {$29.00} in late fees and {$29.00} in interest. I resolved my issue with directly with XXXX but I want these fees refunded to me. Barclays handling of this dispute is completely unacceptable.

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XXXX XXXX XXXX and XX/XX/XXXX. The companies responded saying that they will conduct an investigation. Some of the fraudulent items got removed, some are still reporting on my credit report. I submitted a complaint again last XX/XX/XXXX and XX/XX/XXXX but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately. These accounts are not MINE.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party XXXX XXXX Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I did not have money at the time, I asked the representatives for extended payment plan during XXXX XXXX XXXX of my credit cards went to debt collect, and we were in a pandemic, since then we did not have any resource of income or what so ever now I have XXXX credit card in debt collection wont remove from my credit report stuck, and my XXXX XXXX went down all the way from XXXX to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I recently review my credit report and there are hard inquiries that I do not recognize. This report is not being filed by a 3rd Party Credit Repair Company and this is not a duplicate complaint. Below are the unrecognized Hard Inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-20
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Ive received calls from XXXX which belongs to a company called XXXX. They would not tell me the actual name of the company or the reason they are calling. They would only tell me that they have a matter to discuss with me. They spoke to me aggressively and I felt threatened by the language they used. I never gave this company consent to contact me, I have no contractual obligation to this company. I searched the name of the company and the phone and found that they are a debt collection agency. I am a federally protected consumer and dont owe any debts. This company has no permissible purpose to contact me through any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND A FEW ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT AND GAINED ACCESS TO MY PERSONAL INFORMATION TO HAVE BEEN ABLE TO DO SUCH DAMAGE TO MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Apparently, my homeowners insurance had gone up in cost and there was a shortage in escrow account after flagstar bank had ran an analysis. 

I never received any notification of a higher mortgage payment needed and I continued to pay the regular cost. Flagstar moved my payment to a suspense account and flagged my loan as not paid for the month of XX/XX/XXXX. I usually pay the loan through the my personal bank, but coincidentally I needed to login to flagstar 's website to make sure I wasn't late, making the XX/XX/XXXX payment because of the holiday. I then discovered there was a higher cost to the loan, which I paid. 

I received a letter in the mail over the weekend of XXXX XXXX, stating that the loan servicer flagstar bank had assigned a loss mitigation team to my loan in an attempt to collect a debt. I then proceeded to scour the materials in the flagstar website to figure out where the problem with the payment was. There was never any clear explanation as to why my payment was in suspension and I had to research and deduce the problems by using XXXX. 

When I spoke to a representative at flagstar they informed me that they sent a letter in the mail stating that the mortgage escrow had a shortage, but I never received anything in the mail. The representative stated that since flagstar hadn't received the letter they sent back, that they must have delivered the letter and I must have seen it. I am not sure how the flagstar rep was able to know so quickly that nothing had come back from the post office. 

With the culmination of no communication from flagstar and them moving my payments into suspension and still no communication, I feel this was a concentrated effort to provide a situation where I could default on my loan. 

Their communication was poor, and I have had many challenges figuring out how to permentallly receive written communication as their website is relentless in making it difficult to remove paperless billing and contact.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 made several attempts to dispute the presence of accounts on my credit report that do not belong to me. Despite multiple submissions of disputes and FTC Reports, these accounts are still being reported. It is disheartening to see that these companies have chosen not to address the disputes as mandated by the law.

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 2023-07-17
Company: GATEWAY FIRST BANK
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:
GAteway Mortgage group has repeatedly reported historical information incorrectly to the Credit Bureaus THis has caused me irrecoverable harm. I have missed the oppurtunity to purchase a new home because of the Errors on the part of Gateway Mortgage group currently it is showing over 120 days past due however this home was foreclosed in XXXX of 2019, 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting inaccurate information to XXXX, Experian, and XXXX about an institutional loan that I had with them. The loan was consolidated in XXXX with all of my federal loans. After consolidation, the loans went into period of forebearance and deferment where no payments were due. However, despite this, XXXX continued to report my loans late, resulting in delinquencies and negative credit reporting. The last delinquency was reported in XXXX. I have disputed this trade line with each of the credit reporting bureaus mentioned above but they simply respond back validating the data. I am requesting that this trade line be deleted from each of credit reports.

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 2015-06-23
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Five years ago I lost my job and started having trouble keeping up with the mortgage payments. I asked Nation Star, the lender, for any help or what steps I could take. They basically told me there was nothing they could do. A friend of mine suggested re-modification. After two years of going back and forth with Nation Star they finally approved it. It was only {$50.00} less than the original, which when you do not have a job that is no help at all. At this point my savings account was drained and I could no longer keep up on the payments. I ended up moving to XXXX to be with my mom and dad so I would not be homeless. I again tried to do the right thing and called Nation Star to ask again if there was anything else that could be done otherwise I was moving and had to let the house go. I even asked if I could do a deed in lui of foreclosure. They were once again, no help at all. Now it has been 3 years since I have not made a payment and the house is still not foreclosed which is making it impossible for me to move forward with my life and get into another home. I just want them to foreclose so I can start fresh.

Company response to consumer: Closed with explanation