BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
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:
As XX/XX/XXXX This credit bureas and XXXX XXXX Claimed the did a investigation but that can't be possible if I never gave written instructions XXXX XXXX XXXX XXXX  POTENTIALLY NEGATIVE MONTHS Credit usagXXXX XXXX XXXX  Balance {$150.00} Balance updated XX/XX/XXXX Credit limit {$450.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Card Payment summary XXXX XXXX XXXX XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - - XXXX - - XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$150.00} Highest balance XXXX XXXX  Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms - Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXX DISPUTE 15 U.S. C ode 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 results 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 this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 2021-12-04
Company: Experian Information Solutions Inc.
State: WA
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:
This is a company Experian and most of my profile information is wrong, repeated, spelled incorrectly, whatever! I have written, called and complained, put on hold and cut-off. Nothing is ever fixed, and this is a company that reports MY credit score?! There is no oversight here. Isn't that what you're for!?

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 2023-08-09
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:
I pulled my credit report and noticed several non-mailable addresses. 
To ensure I receive all mail from the United Postal Service i asked that they remove the additonal address and to send me a updated report a couple months ago and they never did it.

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 2022-10-24
Company: Experian Information Solutions 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: 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 UCS 1681 XXXX. XXXX XXXX LL # XXXX Has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S. Code 1681 section 602 A. states I have the right to privacy 15 U.S. Code 1681 section 604 A section 2- States a consumer reporting agency can not furnish an account without my written permission or instructions, which they have failed to produce and acknowledge.

15 U.S. Code 1681c ( a ) ( 5 ) 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. Code 1681s-2 ( A ) ( 1 ) -Duty of furnishers of information to provide accurate information, 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 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 2017-11-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home mortgage was with XXXX XXXX. XXXX sold it to Nationstar/Mr Cooper ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) and starting XX/XX/XXXX ( Ref. loan # XXXX ), I have been paying Nationstar. So far I have not missed a singly monthly mortgage payment of {$1800.00} since I owned my home in XX/XX/XXXX. 

I got into financial difficulties and found it difficult to pay the county tax in XX/XX/XXXX and I contacted the county office. Their advice to me was that, the county does not take action unless I fail to pay for 5 years and I should be more concerned about paying my mortgage payments regularly. I did not pay county tax due XX/XX/XXXX and XX/XX/XXXX.. 

For reasons not made clear to me, Nationstar decided to pay the county dues of XXXX and to that added my next year dues and mailed me a monthly payment requirement of {$5200.00} starting XX/XX/XXXX. 

I contacted my lawyer for help and he advised that the dues to the county are far too small to justify legal counsel and I am better off trying to clear the payment to the county. 

I paid Nationstar my monthly dues and {$1800.00} in XX/XX/XXXX and XX/XX/XXXX on time. Instead of applying it towards mortgage payment, they placed the payments in an unapplied funds account. 

I had applied for a loan adjustment. 

I tried calling them repeatedly and send them emails listing my intent not to proceed with the loan modification and that I will pay the {$10000.00} to Nationstar and future property tax due to the county directly. 

I paid Nationstar {$10000.00} on the XX/XX/XXXX followed by an email and voicemail detailing on how I expect the payments to be applied. 

Today when I logged on to their website, I see that they have applied all my payments towards 2 monthly payments of {$5200.00} ( for XX/XX/XXXX and XX/XX/XXXX ) and the rest {$3500.00} as Additional Principal. 

How can a person with financial trouble make additional principal payments. The behavior of Nationstar/Mr. Cooper appears to be predatory and deliberate to force me and my family to be rendered homeless. I suspect the reason for this is due to the fact that my home equity is more than double the loan amount owed. Please help me resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened the XXXXXXXX XXXX XXXX Synchrony card on XX/XX/XXXX for the purpose of buying furniture for my new home. On XX/XX/XXXX I made my first purchase. Each time I have made a full payment on XXXX, XXXX, XXXX and XX/XX/XXXX there has been a 7 day hold placed on my account even though the money has been debited from my checking account. The first time this occurred I was told unbenounced to me this is referenced in small print in the terms and conditions " We may delay making credit available on your account in the amount of your payment even though we will credit your payment when we receive it ''. This was never mentioned to me when I applied for the card and only revealed afterwards. Additionally, each time I speak with someone at their customer service they tell me this only happens when the account is first opened. Just yesterday XX/XX/XXXX i asked if they funds would be available and the representative said it would take 24 hours to post. Today my account has a zero balance, my checking account has been debited and I was only given {$1.00} as available credit. Every other time it would at least give me a few hundred to spend. I specifically asked the representative yesterday XX/XX/XXXX if I could use the card this weekend so i could pay for my pending delivery that I have been waiting months for and take advantage of the double rewards. She told me yes it would be available. Apparently this isn't the case because the funds wont be available until XX/XX/XXXX ( 3 days after the promotion ends ) and I must spend additional money to have my furniture delivered on XX/XX/XXXX. This is so frustrating and unfair. I have many credit cards and always pay them off immediately. At this point there is not need to use this card as I have no clue what the policies are. Each time I call even when speaking with a manager I get something different. I will recommend to anyone, do not get this card

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 2022-10-17
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Date of inquiry : XX/XX/202XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX Date of inquiry : XX/XX/2021, XXXX XXXX Date of inquiry : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
NATIONSTAR HAS BEEN FOUND GUILTY OF COUNTLESS CRIMINAL ACTS AND THEY HAVE ADMITTED THESE CRIMES WERE COMMITTED ON PAPER AND IN THE CFPB REPLIES. THIS CONFRIMATION OF MULTIPLE ILLEGAL ACTS IS UNDENIABLE AND IRREFUTABLE. 

WE WILL KEEP THIS COMPLAINT SIMPLE. ****FEDERAL LAW REQUIRES A CORRECTED LOAN PACKET ON THE NATIONSTAR / MR COOPER LOAN FOR XXXX XXXX XXXX XXXX FLORIDA ... BECAUSE LOAN FRAUD WAS FOUND IN INITIAL LOAN DISCLOSURE ... WIND INSURANCE WAS LEFT OFF ALL ESCROW AND LOAN PAPERWORK ... TO MAKE IT APPEAR THE MISLED CONSUMER WAS SAVING MONEY WHEN IN FACT THEY WERE PAYING MORE**** ***THE ATTITUDE, INTENTION OR PERSONAL GOALS OF INDIVIDUAL PERSON COMMITTING THE ACT ARE IRRELEVANT ... INTENTIONAL OR INADVERTANT ... THE LAW IS THE SAME. 30 DAYS TO CORRECT ERROR OR LOAN IS INVALID*** WE ARE REQUESTING THAT THEY PROVIDE THE CORRECTED LOAN PACKET, SIGNED BY ALL PARTIES, OR THEY IMMEDIATELY RESCIND THE LOAN AND CEASE ALL COLLECTION ATTEMPTS PLEASE NOTE THAT NATIONSTAR , XXXX XXXX, XXXX XXXX AND MR COOPER HAVE ALL BEEN AWARE OF THE FEDERAL LAW THEY ARE NOT FOLLOWING AND THEY ARE REFUSING TO COMPLY ***NEW EVIDENCE FOR NATIONSTAR*** YOU REQUESTED NEW EVIDENCE ... HERE IT IS, XXXX XXXX IS GUILTY OF RUNNING A CRIMINAL SCAM XXXX XXXX KNOWS HE HAS SOLD HOMES HE NEVER LEGALLY OWN XXXX XXXX HAS ORCHESTARTED ILLEGAL SALES USING A SCAM KNOWN AS " PORTFOLIO TRANSFER '' NATIONSTAR EMPLOYEES LIE TO CONSUMERS ON THE PHONE AND STEAL MONEY FROM THEM ON A DAILY BASIS THE LAST 2 PAYMENTS I HAVE MADE WERE STOLEN AFTER THE FREP LIED TO ME ON THE PHONE ***YOU HAVE NO CORRECTED LOAN PACKET ... YOU KNOW THIS ... GIVE UP ALREADY AND FOLLOW THE LAW!!! *** A SIDE NOTE FOR NATIONSTAR ... WE CAN EASILY PAY THIS MORTGAGE IF YOU PROVE YOU HAVE A LEGAL LOAN. SINCE YOU CAN NOT ... THE LEGAL OBLIGATION TO PROVE ABILITY TO COLLECT FALLS ON YOU. 

COMPLY ... NOW!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Collections Acquisition Company, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When I was doing my routine bank reconciliation with my bank account, I noticed that there were several checks that was cleared by my bank that is a complete fraud ( the check itself ) and forged ( signature of my wife ). What I did is to contact my bank and have these checks dishonored due to fraud. I completed some paper works that the bank asked me to do. Several days later, I received a collection letter from Payliance ( Collections Acquisition Company , Inc. ) collecting money. It was sent to my address. A copy of the check was even included in the letter. What is absurd is that a certain XXXX XXXX XXXX XXXX   name is printed on the check, together with my name as well as my wife 's name. I called up Payliance several times and what I always get into is to wait, and after a long wait, I will be prompted to leave a message. How can I get this cleared when this is the kind of service I get from this Payliance. I have nobody to talk to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Im a victim of identity theft going back to 2018 which I was insured through Experian. I have an open claim with XXXX their insurance company who handles identity theft claims once they are deemed valid. Ive now had someone file taxes in my name I e called Experian trying to get things removed and frozen they have refused to let me talk to a supervisor or help in any way even though I was insured for XXXX XXXX dollars Ive spent hundreds and thousands of dollars since 2018 trying to clear this up with no reimbursement from them. To make matters worse I received a threatening letter from them today accusing me of never filing a police report which Ive filed XXXX and every time I tried to upload it to their attached email they provided it never went through. I called and again was transferred over 8 times with no help, I have all of this recorded and will upload all of my documents. This company needs to be held accountable for false advertising, you are not insured for XXXX XXXX dollars much less XXXX. They will not help you when your identity is stolen and when you call to get help they will transfer you until they close so no one has to deal with the problem. I have all this recorded which I did let them know I was recording the call.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: NJ
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:
Years ago when I opened up my own XXXX account the letter of acceptance with XXXX after I already opened up my own account said I had XXXX but once I got XXXX and Experian on my XXXX account it transferred my XXXX to a full portfolio of XXXX scores around XXXX could you fix this please

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 2022-01-10
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
STATUS DETAILS : Submitted on XX/XX/XXXX File number XXXX Completed on XX/XX/XXXX ITEM IN DISPUTE : COLLECTION DISPUTE REASON : Accuracy This account is involved in litigation. 
CONTACT INFORMATION XXXX XXXX RESURGENT CAPITAL SERVICES  XXXX XXXX XXXX XXXX, SC XXXX RESULT : Information updated on this item XXXX investigated your dispute and updated the information you flagged, as well as other information for this item, on your report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2023 I submitted several distputes to Equifax the dispute investigation prompted equifax to send me several copies of my credit report with dispute results. On XX/XX/2023 I was sent dispute results XXXX, XXXX, and XXXX. In the dispute results provided by equifax XXXX XXXX is replaced by a company named XXXX XXXX XXXX. This company shows the balance and account number of the XXXX XXXX account previously posted but I have no business dealings with this company and it should not be on my report. To my knowledge XXXX XXXX has not changed their name but they are currently in a class action lawsuit for illegal practices and procedures. When viewing my consumer file on XXXX XXXXXXXX XXXX shows but XXXX XXXX is not present. So it is unclear to me which company is attempting to report the debt. This confusion makes it unfair to me the consumer to continue to posses an account that is illegally reporting a debt under a company name that I have never had any business with. Weather XXXX XXXX incorrectly reported the account or Equifax incorrectly reported the account it is violation of my rights under the Fair Credit Reporting Act an the accounts with both XXXX XXXX and XXXX XXXX should be removed. Also, on XX/XX/2023 i submitted a claim ( claim # XXXX ) to the XXXX due to equifax refusing to provide the date of last activity for derogatory accounts on my report when their website states " closed accounts will remain on my credit report for 10 years from the date of last activity. The complaint was closed early by the XXXX without equifax providing the information I requested, however, the XXXX accounts missing the dates of last activity are XXXX ( account # XXXX ) and XXXX XXXX ( account # XXXX ). The account for XXXX should also be removed due to equifax refusing to provide the date of last activity so consumers can identify how long debts will remain on their reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I don't really know how to explain this but I have paper work that shows the accounts are no longer open they need to be off so my credit score can improve.

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