BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: Recovery Management Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector, RMS LLC have been calling me repeatedly, harassing me and leaving messages by XXXX XXXX saying he is trying to resolve a matter with me. The following are the dates and times they called : XX/XX/23 at XXXX XXXX XX/XX/23 at XXXXXXXX XXXX XXXXXX/XX/23 at XXXX XXXX XXXXXX/XX/23 at XXXX XXXX, and XX/XX/23 at XXXX XXXX. They are attempting to collect a debt that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-05-08
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX You are in Direct Violation of The Fair Credit Reporting Act, ( XXXX XXXX XXXX XXXX XXXX XXXX, acct number XXXX, dates XXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602.A. Clearly states that 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 16668 : A creditor may not treat a payment on an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Navient Solutions, LLC.
State: MD
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 called Navient, XXXX, XXXX XXXX, and Student Aid. Nobody can tell me whats going on. First, the two loans that were with Navient, that are reporting me late were consolidated. They were for XXXX XXXX university that was part of the XXXX XXXX XXXX settlement and should not be on my credit report. But this is the biggest issue, XXXX doesnt have these consolidated loans that are reporting me late on my credit! Nobody can figure out whats going on. Navient suggested I call borrowers defense however borrower defense said they can not help with my reporting. XXXX said they dont have these consolidated loans! SO WHERE ARE THEY? AND WHY ARE THEY ON MY CREDIT? Somebody please figure it out!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: CA
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX  Balance : {$2100.00} XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX PRIMO ) XXXX  Balance : {$400.00} XXXX  Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification with Nationstar, based upon the qualifying hardship of a legal separation which will result in a reduction of household income and a significant increase in my expenses, because I will need to pay spousal support once my former wife moves out. I filed an appeal which was also denied because they do not consider legal separation the same as divorce, even though the hardship affidavit list them together, another reason given is that the loan is in just my name, which is not a valid reason because I will be retaining ownership of the property, and my former wife, even if she were on the loan, would need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
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: Was not notified of investigation status or results

Complaint:
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the pdispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 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 TrnasUnion credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & XXXXection 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX Date Opened : XX/XX/2007 Balance : {$0.00}

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 2023-09-21
Company: SYNCHRONY FINANCIAL
State: WY
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/2023 at around XXXX XXXX  the XXXX XXXX in XXXX, Wyoming the plus card on my parents account was not working. The employee at checkout took me to customer service to sort the issue out. The employee informed me that they no longer printed physical club cards and I needed to download the digital app, which I did. They asked if I had an ID on me and I did not, I offered for my husband to go home and get it but I got no response and they continued with asking for updated information. I was handed the tablet the employee was using briefly to type in my social security number ; I had never touch the tablet before or after entering my social security number. The employee then informed me the account was paid but I was not deemed active on the account. In order to become active I would need to pay {$45.00} for the yearly XXXX plus membership, which I agreed and paid with my debit card. Moments later I went back to check out to purchase my items and upon check out the screen asked me if I would like to use my XXXX XXXX XXXX or a different form of payment. Upon confronting the employee regarding being signed up for a credit card without my knowledge or permission, I was told I am sorry, I thought you knew that, please dont be mad at me. I went back to customer service and informed them I did not want to be signed up for a credit card and they did not have my consent to do it and I would like to cancel it immediately, I was told to just not use the card when it came in the mail. I called the credit card company immediately leaving the store at XXXX XXXX. The card was actually issued under my maiden name because apparently the employee opening a credit card under my name did not know that was not my legal name anymore because they did not ask and I did not have an ID on me. They credit card employee apologized and canceled the card. A hard inquiry was done on my credit and a line of credit was opened under my name I did not authorize or even have proper identification to do so.

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: NC
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:
I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, this account is STILL inaccurate and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

Account name ( s ) & Account number ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously requested that they investigate this information and they have failed to correct the errors that are reporting on my credit report. Now is not the time to update, I demand that the parties involved IMMEDIATELY DELETE this inaccurate information from my credit report. 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. 
Convergent Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Most of these are accounts close and self has the wrong account number for the three bureaus. A few was medical bills where I never signed no contract and debt collections are purchasing a few of these charge off accounts. Please remove any and all of them.

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 2023-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate! They also violate my rights according to the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
XXXX, XXXX  and TransUnion has allowed this fraudulent company XXXX XXXX XXXX to report that I owe XXXX {$400.00}. This not right this fraudulent did not send me anything in the mail and how can you just report something to someones credit report before verifying. I informed these people time after time that this account didnt belong to me I requested that this company send me copies of a contract I physically signed and drivers license and ssn number provided to them and used. This company has failed to do so but they reported this my credit report. This is a fraudulent account I never opened and I will contact an attorney if I have to if this account is not removed. This company can not provide anything about me because I never had an account with them and I want this account off all my three report immediately.

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 2022-02-28
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX  XXXX, XXXX, and XXXX XXXX XXXX Equifax is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX BANK DELAWARE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX is reporting inaccurate and false information. I have requested for them to remove these accounts because by law they must remove it if it is inaccurate. They all have wrong address, phone number, and incomplete name. I have never applied for these false accounts. I will list the false accounts " XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: CO
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:
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. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 explanation
Consumer complaint received 2022-10-09
Company: REGIONS FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Today XX/XX/2022 at XXXX, I was sitting at home when I suddenly received text notifications for transactions I did not authorize. My physical card was in my drawer and not lost or stolen. I believe my account was hacked and the money I had worked hard for in an week was stolen in a matter of minutes! I called XXXX company immediately & reported the unrecognized transactions. They advised I wait 7 days for the transactions to be posted so that I can file a dispute. Then they said I would have to wait an additional 21 business days so that they can conduct an investigation. I feel very cheated by the way this company is handling this matter. I worked very hard for that money and life is already hard enough. This was not my fault because my card was in my house while this occurred. Its obviously a fraudulent activity and XXXX should be dealing with these types of scams immediately not weeks after the incident! My money shouldnt have been at any risk and I as a customer trusted this company with my money. They at least owe me the urgency to investigate my issue immediately.

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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-09-06
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have requested a full calculation of the debt owned. Rent owe should be broken down and given within 30 days. It still have not been provided how it was calculated. Each time I ask for the actual calculation the company just reduce the amount and still not explain why or why cams to the amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I have been contacting XXXX XXXX sine XX/XX/XXXX I was final advised that an older will had been provided by one of my siblings. This plus the proof a appointment as personal representative. As of XX/XX/XXXX they still have not accepted the court forms from the Utah State First District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My card was compromised in XX/XX/2021 I provided Bank with the proof that I could not be two places at once and my claim still was denied. I am asking my bank to take a second look bc when I contacted merchants its clear that within hours the card was physically being used in multiple places in and outside the United States how Is this possible and not fraudulent.

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