BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: Experian Information Solutions Inc.
State: AZ
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 disputed multiple times a collections account that is not mine. I have requested Experian to provide how they confirmed this was my debt. They have yet to send me any proof of debt. 

Account Number : XXXX Company : XXXX XXXX CO 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 2018-08-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Four years ago when I received a copy of my credit report it listed 2 addresses that I never lived at. I contacted the credit reporting agencies and they said they would remove it. They did but then put them back on and added another one. I spoke with XXXX at Equifax last week trying to find out who is submitting this information so I can contact them, and he gave me the run around and would not tell me who is submitting this information. He gave me the phone # for Business Customer Service and said try them. I spoke with XXXX and she told me she could not help me. I called back and spoke with XXXX. When I explained to him why I was calling he said to me, maybe you are better off not knowing. I want to know so I can put a stop to it. They have me living at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. There is no such address. I have been living at XXXX XXXX XXXX for 37 years and there is no such #. They have me living at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. That is my lawyers home address. I do not live with him! They also have me living at XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived there. I have never lived out of the state of NY. After speaking with XXXX he said he would send me an updated report with the addresses removed. They are not removed as I received the report today but listed as previous addresses. I want them removed! I have never lived at those addresses and I want to know who is submitting this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
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: Account status incorrect

Complaint:
This account was closed by the store. I was told they no longer have a store credit card. This balance was paid and closed. It's listed as charge off.

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 2017-08-29
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the transfer of servicing the Insurance loss payee was not updated. I have had a loss and the check was issued to the previous servicer. Nationstar rep XXXX it was my responsibility to notify my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: MS
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 Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: MO
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$58000.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$22000.00}

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 explanation
Consumer complaint received 2015-12-03
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have applied for a Home Affordable Mortgage Program ( HAMP ) with Nationstar several months ago and have continued to make payments on my mortgage however Nationstar has delayed addressing my HAMP application and continually requests documentation that is not relevant to process my application. I wrote Nationstart long before I had a problem making payments on my mortgage after I lost my job and warned them that I would have problems due to a loss of income. I have provided documentation requested in the HAMP application process and have repeatedly followed up to request the status of my application however I have not gotten a response on the status other than requests for information that is unrelated for approval. I have looked on my account and no longer see the documentation that I submitted through there online application process but have emails with the documentation that I provided. I feel like Nationstar is giving me the run around because I have a huge amount of equity in my house and would rather take the home in foreclosure if I ca n't pay as opposed to processing my HAMP application and taking a reduced mortgage payment. I have owned the home for 13 years and have never had a problem making payments until now. I only ask for fairness and due process for my HAMP application. Lastly, I have put my home on the market, as of XXXX 2015 and expect to receive a reasonable sale price if given the time. My home is quite expensive, especially in the Rhode Island market, and will take some time to sell but the HAMP program will allow me to make payments until the home is sold.

Company response to consumer: Closed
Consumer complaint received 2021-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/21 I reviewed my Business checking account with Bank of America, and saw that my account had insufficient funds. On XX/XX/21 I checked my account again using online banking and found that there were 4 overdraft fees applied to my account for transactions that were submitted while my account was in the negative. I do not have overdraft protection, and never opted in to overdraft protection. The bank never received an affirmative consent from me regarding utilizing this service. 

I called ( XXXX ) XXXX to have the fees waived. I spoke to 2 different agents that told me they could not remove the fees. I was transferred to a supervisor name XXXX to ask him to remove the fees since I did not opt-in to overdraft protection. He refused to remove the fees, he stated that the bank paid 4 transaction as a courtesy although there were insufficient funds in the account to cover the charges. He also stated that there was an overdraft fee applied to each transaction that the bank decided to pay although the account did not have the funds to cover the transaction. And that they would not remove the overdraft fees. This is in blatant violation of Section 1005.17 ( b ) ( 1 ) and ( 4 ) that explicitly states if the bank choses to pay a transaction while an account has insufficient funds, they are prohibited from charging an overdraft fee for that transaction if they do not have affirmative consent from the consumer. 

I explained to XXXX that it was against the law for them to charge me 4 overdraft fees amounting in {$140.00} since I did not opt-in to overdraft protection. He still refused to waive the fees.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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've contacted Transunion multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave Transunion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request. 
In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 
1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 8. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 9. XXXX ( Inquiry Date : XX/XX/2020 ) 10. XXXX ( Inquiry Date : XX/XX/2020 ) 11. XXXX XXXX ( Inquiry Date : XX/XX/2020 ) 12. XXXX XXXX XXXX These accounts are individual actions, they must be delete 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 2015-12-02
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is escrowed for insurance and taxes. Nationstar is the servicer of my loan. Nationstar had paid insurance XX/XX/XXXX and on about XX/XX/XXXX. I changed my insurance carrier on about XX/XX/XXXX. I mailed an insurance refund to Nationstar which was applied to my escrow account on about XX/XX/XXXX. NATIONSTAR HAS FAILED TO PAY MY NEW HOMEOWNERS INSURANCE PREMIUM WHICH WAS DUE XX/XX/XXXX AND I AM NOW AT RISK OF CANCELLATION! I think they are trying to force place insurance and that is not right because they are legally responsible to pay the premium as the have in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was notified by the credit bureaus that several medical bills were added to my credit file. I did not give written consent for this. My XXXX rights have been violated as I know that I was being seen for mental health issues due to XXXX pandemic, I had insurance and now I am being violated and my personal health information isn't secure. I have already tried to advise the burueas of being a previous victim of identify theft and this needed to be resolved as I have been made aware this is legally my right. The following laws have been violated Privacy Act of 1974, as amended, 5 U.S.C. 552a, 1681. Congressional findings and statement of purpose, The Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692. 
The Hospital facility that violated my rights are and the agencies they sold my XXXX to are : 1. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX ) XXXX. ) There are six ( 6 ) different accounts all with the same name and collection agency but all different dates and amounts on all three ( XXXX ) credit bureaus. This is higly alarming and completely inaccurate in additional to a huge violation of my XXXX rights. XXXX XXXX XXXX and the agency they sold it to is XXXX PXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XXXX ) XXXX. ) XXXX XXXX and the agency they sold it to is XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI 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 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-20
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our Home in XX/XX/XXXX payoff our Nationstar Mortgage Loan. Nationstar is reporting a 30 day late and placing a derogatory history on my credit report. i have tried contacting nationstar with this issue but according to them, there is no negative reporting on their behalf. I am currently trying to purchase another home and this has affected my credit score. I have emails and the HUD 1 statement indicting that funds were sent and received.

Company response to consumer: Closed
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
Equifax is reporting an erroneous item on my credit report listed as XXXX XXXX. The item was previously reported on my credit file as a duplicate entry. The correct account was conveniently deleted. As such, I have disputed the incorrect item for months. I filed a CFPB complaint which resulted in more of Equifax being allowed to ignore my Consumer Rights. So, I requested that a statement be added to my credit report. Equifax has willfully ignored my request. Here are the details ... I noticed a statement on my credit report that I did not request to have added so I called and inquired about the information. I was told as a consumer it was my right to add a statement. I advised the Agent the statement on my credit report was not added by me and to remove the statement that reads, " I have not trade business with this company. '' dated XX/XX/XXXX. I speak fluent English and this is not a statement I would say or request to be added to my report. The Agent agreed to remove the statement. I received written communication dated XX/XX/XXXX confirming the statement was removed. I had already mailed a letter with the statement I did want added to my credit report. At this point, it was a matter of allowing Equifax to update my file. When I looked at my credit report today not only was the statement I requested to be added not on my credit report, but the statement that had been previously removed was back on my report. My rights per the FCRA are being ignored. The derogatory item on my credit listed as XXXX XXXX still has incorrect information. Example : The last payment date being reported is XX/XX/XXXX. There was no payment made by me or anyone on my behalf XX/XX/XXXX because my car was paid off XX/XX/XXXX. The first date of delinquency is reported as the same date of the last reported payment XX/XX/XXXX. How is this possible? You make a payment and go delinquent the same day? There is a comment suggesting the account is included in a COMPLETED Bankruptcy. I am not associated or involved with a completed Bankruptcy. This is additional INACCURATE information. Since Equifax claims the Bankruptcy was verified via XXXX I contacted XXXX to investigate the item. The results of the investigation? The XXXX Bankruptcy item was DELETED from my Consumer Report by XXXX. Equifax is aware of this fact and is still reporting this inaccurate, incomplete, and erroneous item and WILL NOT add the statement requested to my credit file. It is my right to add a statement to my credit file and I should not have to file a CFPB complaint to point this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
this is my report # XXXX I am disputing for the past 6 months a medical collections from a collections agency Transunion delete 3 accounts but make a re-insertion wihout any notification ( FCRA REQUEST A WRITTEN NOTIFICATION ) my dispute request a HIPPA AUTORIZATION FROM THE PROVIDER AND THE COLLECTION UNTIL TODAY all my attempt to fixes this issues was ignored

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 2023-02-09
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:
There are inaccurate accounts on my credit reports that I have been disputing for some time now. These accounts are reporting multiple inaccuracies and inconsistencies. These accounts are reporting late payments with XXXX XXXX and a charged off auto loan with XXXX XXXX. I have brought each inconsistent item to the credit bureaus attention and they are refusing to consult a proper investigation into the issue and update my reports. If all bureaus are getting their information from the same place, how is it that they are all reporting different information. I am aware that it is illegal for any consumer reporting agency to report inaccurate information and given that the credit bureaus are in violation of this law, I am requesting that they delete these inaccurate negative accounts from my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a mortgage modification from XXXX that was consistentlydenied. I hired an attorney and spent over {$20000.00} to obtain amortgage modification from Nationstar who apparently purchased myloan from XXXX. 
I received a letter dated XXXX XXXX, 2015 detailing a refund due mefor a " Modification Delay '' in the amount of {$3900.00}. On XXXX XXXX, I contacted Nationstar via email requesting a check in the amount of {$3900.00} for the refund. On XXXX XXXX, Nationstar acknowledgedreceipt of the request. I have not received a response or refund check todate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: LA
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  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation