BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 2 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I haven't heard from them yet. 

I sent the third letter to them on XX/XX/2023, letting them know that I still have not heard from them and that further action would be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I will inform them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm if they have done a single thing to protect me and my credit.

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 2018-01-29
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Contacted Nationstar XX/XX/XXXX- advised requested PMI removal. Told by escrow department to send in form to request removal. 
Advised would need an appraisal to determine new valuation on property. 
Requested a copy of the origination appraisal as well to determine the figure they would be using to determine the LTV ratio, which was never sent to me. ( I personally don't believe they have a copy as I was told she couldn't find it and when the request was put in for research dept to pull it I was sent other loan docs, but never the origination appraisal ). 
XX/XX/XXXX-Sent in form via email and fax from information provided along with the appraisal district printout showing a large variance in my property value. 
Called & emailed into Nationstar again a few times in between and no response. 
Called in XX/XX/XXXX- escrow department states that they sent a letter to me denying back in XX/XX/XXXX, however I never received any letter of the sort. I was additionally advised that they would be able to obtain a new appraisal, if I approved, to calculate the current valuation of my home to determine property LTV ratio. This was never completed either. Per the escrow rep on XX/XX/XXXX, they use the origination appraisal ( the one that nobody can provide me ) in order to calculate this figure. 

No responses to my requests. No clear idea how to remove my PMI. No copy of my origination appraisal received still. I continue to have PMI being pulled monthly from my escrow account when I have been eligible and met guidelines to have it removed a significant time ago without action on the part of the mortgage company to advise how to do so nor response to my request to do so. 

I also have delivery receipts from the emails sent if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent accounts which do not belong to me STILL reposting on my file in XXXX. The other bureaus have already DELETED this fraudulent information so my question is why do you still report these damaging records? Moreover, I talked to the bank and they agreed to delete these accounts from my file. But Transunion has has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) and they're unwilling to explain why. I want these accounts deleted from my file ASAP : 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 non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter from XXXX on XX/XX/2023 that my student loans have been forgiven. I kept watching the XXXX credit bureaus to see if the balance would drop to XXXX. I placed a dispute with all XXXX credit unions in XX/XX/2023. They came back with no change, full balance. I called XXXX on XX/XX/2023. They said it should be cleared off by XXXX. It still shows up on all XXXX reports as of today XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I believe that Chrysler Capital is in violation of the Graham-Leach-Bailey Act ( GLBA ) of 1999, which prohibits financial institutions from disclosing nonpublic personal information about their customers to third parties without customers ' permission. 

The selling of my nonpublic personal information to a third party, XXXX XXXX XXXX on XX/XX/XXXX was a clear violation. 

The Graham-Leach-Bailey Act also places restrictions on how companies use customers private data and requires companies to establish an opt-out policy for preventing some third-party sales.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was not given any information on how I can exercise my consumer rights in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 non-monetary relief
Consumer complaint received 2020-12-31
Company: Experian Information Solutions 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 submitted disputes regarding some items on my credit that arent mine! Please help I am looking to get this resolved as quickly as possible.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in reference to complaint XXXX. I asked for you to remove these accounts from my credit report and you instead updated them. I'm at a loss right now because I provided facts directly from my credit report that detail why they do not belong on there. Although I may not be a lawyer, I do know that an account in violation must be removed and that I can actually go after you for these violations. I would like for you to again perform an independent investigation into the accuracy of these accounts and to remove them because of the dispute reasons that I have listed in the cfpb complaint referenced. In addition, I need to see where you're getting this information from because I don't believe that you ever reached out to these creditors! Remove these accounts immediately : XXXX ( XXXX XXXX XXXX XXXX ) XXXX. Attached is the letter sent to the company that is dated and time stamped.

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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Account opened XX/XX/2021, Amount {$600.00}, Account improperly reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
As a XXXX XXXX XXXX, my business accounts were with XXXX before the merger with Wells Fargo. After 15 years with this bank, On XX/XX/XXXX, I received a notice from Wells Fargo advising we can no longer use a XXXX XXXX XXXX our mailing address and require a physical address. This is highly unlikely as many businesses utilize XXXX  for mailing purposes. We compiled, called Wells Fargo customer service on XX/XX/XXXX, spoke to a rep and updated the mailing address with a physical address. The address was updated on the account effective XX/XX/XXXX. 
On XX/XX/XXXX, I checked my Wells Fargo business account to discover Wells Fargo closed the account due to " Physical Address required. '' I called immediately to dispute that fact as the last statement reflected the physical address. We were told, we needed to enter a branch to show the proof of address change ( This was never relayed in the letter or prior communications ). Nevertheless, I took a copy of my XXXX  XXXX XXXX XXXX 's license which reflected the same physical address to the branch and was told that the account was closed, a check mailed to me ( the same mailing address in which they are questioning ) and can not be re-open. 
I have a genuine issue as this account is our primary business account utilized for direct deposit and payrolls. The inconvenience of opening a new account elsewhere potentially will cause the business undue fees and expenses. 
Please review the business practices of Wells Fargo and the impact on small businesses these unethical action causes.

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 2023-12-04
Company: EQUIFAX, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Refer to the enclosed documents. I request the bureau to initiate an investigation into these accounts, as I am never late, but they are reporting me as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
on XX/XX/XXXX I mailed off a certified reinvestigation letter using XXXX to the consumer credit agency XXXX. I filed a CFP complaint previously and consumer credit agency XXXX responded on XX/XX/XXXX. Consumer credit agency XXXX stated that they sent the letter to creditor Bank of America to verify the accuracy of the information sent. Creditor bank of America responded that the account was verified, Pursuant to FCRA the consumer agency and Creditor failed to provide steps of verification methods which is a violation of consumer rights, why did XXXX blatantly disregard my rights and allow this account by the bank of America to be reporting still on my credit report. Pursuant 15 U.S. code 1681i states that a consumer agency must conduct a reasonable investigation to determine if the information is accurate, I did not receive the method of reinvestigation. Consumer agency XXXX failed to inform me of the reinvestigation that the law stated pursuant to 15 U.S.code 1681i ( 2 ) ( a ) states when a consumer should receive notification this was a violation of my rights XXXX please stop violating my right I will have no other juice but to take legal action against you XXXX and the creditor for this inaccuracy and invalidated account if this account not deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I never received debt validation for this false and misleading debt. Under the laws of the FDCPA, I am supposed to receive legal disclosures/notices regarding any debt a collector puts on my credit report. This false debt needs to be removed 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 non-monetary relief
Consumer complaint received 2018-03-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Mr. Cooper, previously known as Nationstar in regards to making my payments again. I was approved for a re-payment plan to which I made 6 payments of {$1600.00}, I was informed that after the 6 payments were made it would be reduced to something more affordable but that was not the case. I was not able to continue to make those payments because I struggled for the 6 months to make the payments I was told would be reduced. Now I am facing foreclosure again and being left with no options as Mr. Cooper is refusing to offer me any alternatives. My loan was originally serviced by XXXX XXXX XXXX, I experienced a hardship and fell behind when my loan was then transferred to Nationstar. Legally, Nationstar is just a debt collector and has no right to foreclosure on my home. All my HBOR are being violated and I have looked into obtaining an attorney to help me get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2023 : I contacted all three agencies Equifax, XXXX and XXXX. via their web pages. Customer support is worthless and does not work. None of the 3 credit reporting agencies web sights work. Also, there is either no phone numbers on their web sight or the phone numbers do not work. I have tried to unfreeze my credit but nothing works. I can not get a live human and the forms they have on their web sight do nothing. They just stop working about half way through. Phone numbers are worthless since they don't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX {$450.00} XX/XX/XXXXXXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX {$10000.00} XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/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 2023-05-06
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : -, XXXX XXXX XXXX Balance : {$590.00}, XXXX XXXX XXXX  XXXX Balance : {$1700.00}, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance {$530.00}, XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$110.00}, XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/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 2023-12-08
Company: EQUIFAX, INC.
State: FL
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 recently reviewed a copy of my credit report. I was hocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. XXXX and XXXX account number : XXXX alleged balance {$670.00} XXXX and XXXX account number : XXXX alleged balance {$820.00} 15 USC 1681c-2 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. It has been 30 days and you are in VIOLATION of the law because I am an alleged victim of Identity theft! Please delete these items IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief