BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm responding to CFPB case # XXXX XXXX case XXXX XXXX There was no place to add additional documents This case in hand was dismissed by XXXX, XXXXXXXX XXXX XXXX then vacated by XXXX municple court therefore it should be removed from my credit report by all 3 reporting agencies As I've stated previously I was XXXX from XX/XX/XXXX until XX/XX/XXXX and my balance with XXXXXXXX XXXX on XX/XX/XXXX was {$0.00} Someone stole my credit card when I was XXXX and used this card Document # 10 shows that on XX/XX/XXXX, I had been XXXX  since XX/XX/XXXX which had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The statement from XXXX shows that I had a XXXX balance in XX/XX/XXXX and the charges started coming during XX/XX/XXXX Which is 6 months after I had been XXXX XXXXXXXX in their response states someone made a XXXX  call payment which was for {$26.00} and {$45.00}. So they think that makes me responsible for an additional {$9000.00} on other credit card purchases for one I was only one of millions of people throughout the united states XXXX therefore anyone of millions of people could have made those XXXX  calls for them and I'm quite certain if the person who stole my credit card information is stealing credit information, they more than likely know several other people in XXXX Another example it states on XX/XX/XXXX my credit card made a {$150.00} payment to XXXX public schools ( XXXX  ) why would I make a payment to XXXX I didn't even have a kid in XXXX in XXXX This is mere common sense if I was XXXX how or why would I let someone run up my credit card. I hadn't been doing that with my credit. My XXXX XXXX on XX/XX/XXXX was a XXXX. 
So after all those years of timely payments and building my credit score, all of sudden I just stopped caring about my credit score and let someone else run my card up. That literally makes no sense.

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 2021-07-27
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: Personal information incorrect

Complaint:
I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

The following personal information is incorrect : Current Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification and set in paperwork to start loan repayment. After I sent paperwork in agreeing to the loan modification ; I was told that my paperwork was not accepted because my signature did not look authentic. I was told that because of the signature problem, my paperwork need to be redone. I was told not start paying my bill because my loan had not been processed yet. I was told that I had to resubmit my paperwork and will start paying from that date once I got approval on my signature. I was told no payments need be taken at this time. So I was sent paperwork about 90 days later to re-sign and send in to my loan officer. I was told to start paying my mortgage on XXXX. I got a phone call few days after this meeting stating I owed XXXX worth of payments and it needed to be paid. I explained that this was not what I was told and I could not pay it. I was told then my house would go into foreclosure. I requested to speak to a supervisor and I was denied twice. I was denied my home modification and now facing foreclosure because of wrong information was provided to me and my signature not being accepted. I requested assistance from my point of contact and he never calls me back. I never got a chance to speak to a supervisor about my situation. Since XXXX/XXXX/XXXX, I have being calling my loan officer with not return calls and not direction into how to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX inquiry by XXXX : XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX. XXXX, XXXX. XXXX, XXXX XXXX XXXX, TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX  XXXX. XXXX XXXX and XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights and inquiries are preventing my self and my family from purchasing my home and obtaining finance. 

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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1681n. Civil liability for willful noncompliance ( a ) ( 1 ) ( A ) ( B ) and ( b ) Civil liability for knowing noncompliance 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 2023-12-04
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I scanned a deposit check from school but my bank says it does not look legit and they want to take away all my account just because of that when they could simply remove the checks that are on hold and this is not the first time this has happened they like annoying people with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my credit reports from XXXX, XXXX and Transunion and noticed that the reports have credit inquiries that I did not authorize. ( Provide details about every inquiry including the date and the name of the company. Mention why you believe the inquiry is incorrect ). 

I did not make the following inquiries and I believe that these inquiries are fraudulent because I did not have access to telephone, internet, a computer or a smartphone during these dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 request you to investigate and remove the inquiries as soon as possible. I will be applying for an auto loan through my credit union. I may not be able to gain transportation because my credit score does not display my accurate credit standing. In case you come across data that doesnt align with my complaint, I request you to please send me the information.

Thank you for your diligence in looking into this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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

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 2023-07-04
Company: EQUIFAX, 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 have shown equifax the inaccurate reporting of information on this account ending in XXXX yet they choose to ignore the evidence provided to equifax with the real facts. but they stall me and give me the runaround time after time. I need your help in helping me resolve this consumer issue with equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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:
This is the several time I've complained about being a victim of identity theft. XXXX and TransUnion must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2021 Reference # : 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 2023-10-03
Company: Earnest Inc.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX : I submitted my documentation and my loan was approved, confirmed the money should be sent to XXXX XXXX XXXX servicer for private loans and NOT to XXXX for federal loans, made sure documents showed where to send check to, confirmed check should be sent to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX : received an email that loan payoff was sent to XXXX, not XXXX. Contacted them via chat and Earnest said XXXX is serviced by XXXX, so the check would need to be sent there XX/XX/XXXX : {$15000.00}, check was disbursed and sent to servicer XXXX XX/XX/XXXX : reached out to Earnest via email to let them know that XXXX is not serviced by XXXX and they sent the check to the wrong place, I confirmed this with XXXX Between XXXX XXXX I chatted and emailed with many people who told me they would cancel the check and reissue to the right address and servicerXXXX XXXX 

XX/XX/XXXX : XXXX said check was sent to XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, I replied to the email and said XXXX is not the servicer and payment should have been sent to XXXX  but got no reply XX/XX/XXXX : chatted with virtual assistant who said to chat back during the week XX/XX/XXXX : email from XXXX who spoke with XXXX, a rep I was previously working with, She said XXXX would be returning the check so they could reissue the check to XXXX, she also acknowledged I submitted my documentation showing the XXXX loan details and payment address XX/XX/XXXX : XXXX reached out to me via email saying she confirmed her treasury team did send the check out incorrectly and it is their mistake, they are working on a resolution and will defer my payments, confirmed it may take some time, she will be my point of contact until this issue is resolved XX/XX/XXXX : sent XXXX an email stating that XXXX applied the check that Earnest sent them to my account so the payment is probably not being returned, I emailed XXXX to ask them to return funds as well XXXX later replied to my email letting me know she escalated the issue and they are still waiting for the funds to be returned, said once they have the funds back they will disburse it to XXXX XXXXXX/XX/XXXX : emailed to thank XXXX for her help XX/XX/XXXX : XXXX emailed with no updates and money had not been returned XX/XX/XXXX : I emailed XXXX asking for an update and asking if they can issue a check to XXXX in the meantime, as this was not my fault, XXXX said she'd reach out to her leadership team about a resolution XX/XX/XXXX : I emailed XXXX asking for an update and expressing I no longer want to work with them because their mistake has taken 2 months and is still not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As of XX/XX/XXXX, my mortgage was transferred from XXXX XXXX ( " XXXX '' ) to Mr. Cooper ( " Cooper '' ) ( f/k/a Nationstar Mortgage ). Both XXXX and Cooper informed me that there would not be any changes to my account, including autopayment. That is, my mortgage with Cooper would be automatically paid on the same day as it would have with XXXX. My mortgage was always paid on the first of the month. However, when I logged onto XXXX 's website, it said that I would not have an autopayment until XX/XX/XXXX.  When I called, a representative was unable to tell me why this had happened, but said that I would not have to pay twice if I paid. When I attempted to pay online, it said that I was paying twice. However, no records of payment appear on either XXXX 's website or my checking account 's website. I am unable to pay my mortgage due to a glitch in XXXX 's system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: NC
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:
This creditor XXXX XXXX XXXX is still violating my rights to privacy of 15 U.S.C 1681. 15 U.S.C 1681 section 604 -A section 2 states a consumer reporting agency can not furnish a account without my written consent, this company sent me paperwork from a company they represent with a forged signature, I do not owe XXXX XXXX XXXX XXXX XXXX and I demand that they provide actual validation with my WRITTEN CONSENT, I also demand a copy of the contract binding both parties ( XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: OH
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:
XXXX credit monitoring emailed me on XX/XX/XXXX XXXX XXXX XXXX  inquirers my credit report. I did not ask this company to check my credit report. Did not ask for credit card or loan. XXXX XXXX  as put a free on my credit report as of XX/XX/2023 at appo. XXXXXXXX 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 2022-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello Portfolio Recovery Associates, and how are you? 

Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRUIST FINANCIAL CORPORATION
State: VA
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:
I was checking my accounts statement I see a few transactions from XXXX which I didnt make. I call my bank to let them know about the problem and I open fraudulent dispute with my bank. Got email today saying my fraud claims was denied without further explanation. I call my bank about the denial the person from the bank just yes my fraud claim was denied I ask for the reason she couldnt give me a reason why it was denied.

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 2023-02-21
Company: EQUIFAX, INC.
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:
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 Account number : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: OneMain Finance Corporation
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been called 6 days a week 5 or more times a day from this company. I told them this is illegal. They told me they are allowed to call me 5x a day and have me setup in the system that way. The manager told me their lawyers are aware of their practices. I need this to stop.

Company response to consumer: Closed with explanation