BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX Account XXXX I have already tried to resolve this old debt with the company. This account is listed on my Transunion and XXXX credit reports as OPEN with a past due balance of {$480.00} which is incorrect. This is a charged-off account ; as we all know, it is illegal to post a charged-off account with a current past-due amount {$480.00}. They have not responded to my inquiry so this account needs to be deleted from my 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 received my credit report and noticed that I had some hard inquiries that I didn't recognize and would like to have them 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 2021-12-29
Company: Experian Information Solutions 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:
I had tried to explain to Experian that the Account XXXX XXXX is fraudulent. I have even sent out police reports to Experian as well as cover letters and copy of my personal documents nothing has been done, they have chosen to keep the account. They will not even validate the account with any information given to me. This my 3rd attempt in trying to get this fraudulent item of my report. I have followed all the guidelines and still no support. I need this account deleted as it is having a huge impact in my life emotionally and financially.

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 2015-12-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My XXXX XXXX loan was acquired by Nationstar Mortgage in XX/XX/XXXX. All servicing transferred to Nationstar. It is a simple interest-only loan. Upon transfer, Nationstar started calling me saying that I owe them a bunch more money on my mortgage for insurance/taxes escrow that transferred over from XXXX. No such escrow ever existed at XXXX, and I 've always only paid my interest-only mortgage. I 've been on the phone with Everhome for 7+ hours on 4-5 different occasions, and on 3 occasions they told me the issue was resolved. On 2 occasions they promised me a call back, but I never received a call back in either situation. I keep getting calls and mailings telling me that the issue is not resolved, and I owe them more money. No one has been able to explain why they keep trying to charge me more money, or what the heart of the issue might be ( see attached letter from Nationstar showing how all they can figure out how to do is restate the problem, not solve the problem ). Either they are inadequately staffed to process my mortgage correctly, or it 's some kind of scam to get unaware customers to pay them more than they own on their mortgages. I 'm increasingly in the latter camp given that unprecedented effort and continual promises of resolution have resulted in no progress. It 's quite surreal that such an incompetent institution can be allowed to operate in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NC
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-29
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021, Convergent outsourcing was placed on my three credit reports with XXXX, XXXX and XXXX as a collection account. Can you please show Reasonable policies and procedures concerning the accuracy and integrity of furnished 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 explanation
Consumer complaint received 2021-12-29
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage using Better.com ( " Better '' ). During the underwriting process, Better required that I complete IRS Form 4506-C using an incorrect address. Specifically, Better demanded that I complete lines 3 and 4 of Form 4506-C using my previous address. Line 3 clearly requires an individual to provide his, her, or their " current '' address, while line 4 requires an individual to provide his, her, or their " previous '' address. I refused to provide false information to the Internal Revenue Service and thus provided Better with a correct Form 4506-C with my accurate current and previous addresses on lines 3 and 4 respectively, but Better refused to proceed with my application with this accurate form. As a result, I withdrew my application from consideration. It is troubling that Better would require consumers to provide false information to the IRS, and I hope the CFPB investigates this practice. 

Thank you for your time. 

Sincerely, XXXX XXXX XXXX, XXXX. 
Georgia XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Kia Finance is showing I have a {$10.00} current open balance and it's open. However they are not reporting to the three credit agencies properly on a monthly basis. They are reporting with a XXXX balance and closed. I've submitted disputes to all three credit agencies. 

I've asked for a open balance letter from Kia showing what is owed and they will not do it. I've spoken to 4 different supervisors and no one could help me. I personally went to the XXXX XXXX to explain the situation. They immedialtely called Kia Finance- they could not rectify the problem.

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 2023-06-15
Company: Factor Trust
State: GA
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 would like to have any items/INFORMATION that you are furnishing deleted from your company 's database because you are reporting information inaccurately as well as incorrectly and without my written consent to do so which is actually labeled as Aggravated Identity Fraud and a violation of my rights which is punishable by state and federal law.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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 called XXXX XXXX XXXX on XX/XX/XXXX and asked about a collection on my XXXX credit report in the amount of {$1500.00}. I know nothing about this account from the original creditor, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX has my name but the social security number and address do not match their account information. I was never called, emailed, or contacted by mail from XXXX XXXX XXXX. I keep a XXXX number and a XXXX address. My XXXX phone number and XXXX address is clearly on my credit reports, so XXXX XXXX XXXX has my current contact information. The representative told me there are two accounts with my name showing Ohio and Virginia. I have never lived in either state nor traveled to those states. The original creditor, XXXX XXXX XXXX XXXX is also not in the state of Ohio or Virginia, but in the state of Texas. I have never lived in XXXX. I now live in XXXX after returning from my other country, XXXX ( see attachments ). Lastly, I have not lived in the United States since XX/XX/XXXX and just returned XX/XX/XXXX ( see proof with electric bill from XXXX and resident card ), therefore the account could not have been me. I also called the original creditor ( XXXX of XXXX XXXX ) and there was no account information for me. I'm not understanding how they were even able to put this account on my credit report if none of the information matched up. I'm upset because their negligence dropped my credit score over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I started my investigation on XX/XX/2021 - I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given and not notified within 5 days. I have not heard back from you in over 30 days since my formal written notice of disputed dated 02/2021 and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2023-11-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Transaction Date : XX/XX/2023 Transaction : MEMBERSHIP FEE XXXX XXXX XXXX Amount : {$490.00} plus interest charged We called in and cancelled this card over the phone on XX/XX/2023. The agent confirmed cancellation and we thought that the account is closed. I logged in today just to make sure and noticed that Citibank charged me {$490.00} and my account is past due and was never closed! 

I called customer service and explained this to them and explained why I chose to close the card back in XXXX due to financial hardship and they were not helpful and were rather rude and aggressive. This is predatory. 

I would like the charges refunded along with the interest and this account closed.

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 2023-11-07
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
I transferred money to the XXXX XXXX XXXX  XXXX to enroll my children in a class. PayPal retained the money and placed it on hold. When I called they requested the date of birth of my child, who is a minor for no valid reason. My child is not the owner of my account. They refused to refund my money or pay it to the Colegio, and kept my money. They obligated me to provide my XXXX child 's personal information ( his date of birth ) in order to process the transaction or refund my money. I gave them the information against my will, and then they informed me that they will decide how to resolve the issue within the next 72 hours. In the meantime I can't recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: CREDIT ACCEPTANCE CORPORATION
State: GA
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:
XXXXXXXX XXXX  credit acceptance closed my account with me still making payments after they had closed the account then on XX/XX/2019 XXXX the account back up and came to repo the XXXX XXXX XXXX from me and closed the account again. Then reported it to the credit agency as a {$0.00} balance then reported a {$3400.00} balance and now reporting a {$9900.00} balance. When trying to get the car back I was given the incorrect information about where the vehicle was located. I was given your information from XXXX Yesterday after fight with them all this time!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: EQUIFAX, 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:
XXXX XXXX incorrectly reported a 120 day late payment on my credit report. I disputed the error. XXXXXXXX XXXX sent me a letter dated XX/XX/2018 acknowledging it was an error and requested the consumer reporting agencies to delete the delinquency from my credit report. 

I've requested three times, in writing and with letters sent via certified mail, for this error to be removed. However, XXXX continues to report the 120 day late payment, which is in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/2022, I applied for two credit cards with XXXX XXXX XXXX, and to my dismay, I was denied due to adverse information obtained from my Equifax credit report. 

Upon reviewing my Equifax credit report through XXXX XXXX, I discovered the presence of a delinquent account that had been added to my report. This derogatory account has significantly impacted my credit score and creditworthiness, causing me to be denied for credit cards and other financial products for which I would have otherwise been qualified. 

I was not informed in writing or through any other method of communication that this derogatory account would be added to my credit report. 

I have diligently disputed this account several times with Equifax, requesting an investigation into the charged-off derogatory account and its removal from my credit report due to the severe damage it is causing to my creditworthiness and the hardships it is creating in my life. 

Despite my numerous disputes and multiple letters sent to Equifax, I have not received any documentation from your Equifax, and the derogatory account continues to wreak havoc on my creditworthiness. 

In an effort to facilitate the reinvestigation process, I have also provided pictures documenting my communication with Equifax. 

I kindly request that Equifax Credit Information Services , LLC reopens an investigation into the account in question and promptly remove it from my Equifax credit report. 

I understand the importance of maintaining accurate and up-to-date credit reports, and I believe that a fair and thorough investigation will reveal the need for the removal of this derogatory account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I sent a request to XXXX, Transunion and XXXX to remove inaccurate addresses and names on my credit report and I included my 2 forms of identification to verify my identity and that I was the one initiating the dispute and every time Transunion and XXXX replies saying provide verification documents and I do and they just send the same automated respond. XXXX does not reply at all. It has been longer then 30 days for all 3 requests and nothing has happened.

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 2019-02-21
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Diversified consultants reported an old account from XXXX as a collection account to my credit which in fact was discharged in a chapter XXXX bankruptcy. They refuse to remove the debt and are violating federal law because this debt by law is no longer allowed to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
A couple of days ago I tried to use my credit card to buy a XXXX XXXX XXXX meal. Card denied. I have plenty of credit available so today I telephone called Bank of America and their representative informed me there were questionable items charged to my Bank of America credit card ; however, the Bank of America representative would not provide details since I do not own a smartphone. The Bank of America representative told me the only way they would supply me the details needed to unfreeze my card was to either buy a smartphone or go by in person a Bank of America. I will not buy a smart phone to please Bank of America and since I live in XXXX XXXX, IA where there are no nearby Bank of America branches, I will not go there either. Bank of America claims my landline can not be trusted and Bank of American refuses to clear this matter up by US mail. The Bank of America recording of this telephone call will confirm what I write. Two things : Since XXXX  people tend not to own smartphones, these business-practice restrictions correlate with age discrimination. Second, does not their bank charter require nondiscriminatory servicing of the public?

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 2023-09-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
Bank of America canceled my escrow account effective for XXXX XXXX XXXX 

I had to make a full payment of about {$1900.00} for XXXX XXXX XXXX. When I asked about the breakdown of XXXX XXXX XXXX  payment, I was told it included about {$700.00} for escrow. This means the escrow amount paid with the XXXX XXXX XXXX  payment which was paid after I received a check for escrow being held wouldnt have been included in that escrow refund check.

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