BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-06
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX sold my loan to Nationstar Mortgage XX/XX/XXXX. Everything seemed to be going well. Fast forward to XX/XX/XXXX. I paid off my loan on XX/XX/XXXX. In XX/XX/XXXX, Nationstar XXXX created and escrow account on my paid off loan for homeowners insurance that I already had for years with another agency. I sent proof of my insurance and my insurance agent faxed my insurance information to Nationstar Mortgage. XXXX XXXX in the Payoff Department then sent my payoff amount ( after cashing my check and the check clearing the bank on XX/XX/XXXX ) I contacted Nationstar Mortgage via phone. I spent two hours on hold, speaking to eight different individuals at Nationstar Mortgage. I again contacted my insurance agent, who again faxed insurance information to Nationstar Mortgage. I again spent an hour on the phone speaking to two individuals ( XXXX assuring me this issue would be resolved, XXXX in insurance department stated they received verification that I did indeed have insurance ). I sent, still again the payoff amount as quoted to me XXXX. I was assured issues would be resolved. On XX/XX/XXXX, I received payoff amount returned via express mail. I again returned the payoff amount to Nationstar Mortgage. I have never ran into this type of issue, where a loan company sets up an escrow account for insurance that I already have, on a loan that I paid off. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed XXXX XXXX XXXX XXXXXXXX XXXX {$3200.00} XXXX XXXX XXXX {$22000.00} XXXX   XXXX XXXX {$190.00} XXXX {$1700.00} US DEPT ED XXXX {$13000.00} XXXX XXXX XXXX {$500.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXXXXXX XXXX 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 and end consumer credit plan as late for any purpose. Please Have XXXX XXXX XXXX # XXXX remove immediately because violating my rights will lead to legal liability being taken for each of these violations. I also included my FTC FURNISHER VIOLATIONS PAPERWORK AND THE IDENTITY THEFT WITH THEM IF ACCOUNTS ARE NOT REMOVED IMMEDIATELY LEGAL ACTION WILL BE TAKEN AND ILL SUE THE COMPANY AND CREDIT BREAU FOR EACH VIOLATIONS OF VIOLATING MY RIGHT TO THE FULLEST EXTENT.

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 2023-06-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account for Wells Fargo was paid off and closed! I have not had an account with them since.My account somehow is still open and still current.I closed my account and paid my fees and haven't dealt with Wells Fargo since.Account was open in XXXX and closed in 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 2023-05-16
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: Report provided to employer without your written authorization

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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX. 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 an 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 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 2022-12-14
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:
Was a victim of identity theft.. Have multiple inquiries on my credit reports that wasnt me.. Ive sent letters, emails, phone calls, disputes, to please remove all inquiries..

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 2023-06-02
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Multiple credit cards opened fraudulently under my name. On XX/XX/XXXX the identity thief opened a Kay jewelers credit card and charged the card for {$44000.00} and a XXXX XXXX credit card which they used to charge {$1400.00} on that date XX/XX/XXXX. There was also an attempt to open a XXXX card and XXXX XXXX on that same date. I discovered this when I received a credit card statement from Kay jewelers XXXX XXXX  for the {$44000.00} that I opened on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and reported it as fraud and filed a dispute. I called Kay jewelers on the same date XX/XX/XXXX and reported it as fraud and filed a dispute. The XXXX XXXX credit card is through XXXX XXXX  and they informed me of the XXXX card at that time, as those companies use the same bank apparently. I placed a freeze on my credit with the three credit bureaus on XX/XX/XXXX. So far I have only received resolution for the XXXX card which from what I can see has no charges on it. The XXXX XXXX and Kay jewelers credit accounts are posted on my credit file.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled 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

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I signed up for the Barclay AAdvantage Business Card on XX/XX/2023 for sign up bonus of XXXX miles and {$95.00} statement credit. I had until XX/XX/2023 to make a minimum {$2000.00} purchase for the sign up bonus. I didnt realize that annual fee does not count towards the minimum spending. I called Barclay on XX/XX/2023 where I was told that I met my minimum spending requirement and that my sign up bonus should be in my account in the next statement period, which obviously didnt come. I called again today and I was told that nothing could be done, even though I was given FALSE information by Barclay and therefore I didnt receive the sign up bonus.

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 2023-01-26
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: 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 XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2015-07-08
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a reverse mortgage with Champion Mortgage. I started the reverse mortgage with XXXX XXXX and was very up front with them about me NOT living in the home, but DO live across the street. I was told 'we'llcross that bridge when we come to it. ' We NEVER came to it. NowChampion wants to foreclose due to me not living in the house. I have been talking to Champion since XX/XX/XXXX to attempt to get this corrected, and everytime I call I get some XXXX new and have to start at square XXXX. Attachedplease find a time line of my contacts the Champion. I do have a cashcontract by way of my broker for {$150000.00}, in Champion 's possessionsince XX/XX/XXXX. Today XX/XX/XXXX I called their 'short sale specialist'XXXX for the second time in XXXX days getting her voice mail asking for areturn call, but that has not happened as yet. I called XXXX XXXX of Virginia and his office contacted HUD and FTC on my behalf. 
I was granted a thirty day postponement on the foreclosure set for XX/XX/XXXX. I have, in my possession as does XXXX XXXX, XXXX appraisals, XXXX from XX/XX/XXXX for {$140000.00} and a second from XXXX for {$170000.00}. Surprisingly the house grew by XXXX square foot in the time between appraisals, without a building permit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: TN
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 XXXX and 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 View full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of fraud and/ or identity theft, I am disputing the items on my credit report. I never authorized, used, or benefited from these accounts or transaction in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$3600.00} on the XXXX XXXX XXXX - partial account number XXXX ; and {$420.00} partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts were incorrectly billed as out-of-network even though I went to a participating provider/facility with XXXX. I have full coverage insurance. XXXX wanted the doctors to bill them directly and in doing so the in-network insurance will be covered. The payments have been re-processed and were sent directly to the collection agency. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. ) I have contacted the bureaus to remove this however, I have not been successful.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX , IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-25
Company: Credit Karma, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had deposited money to my Home bank to transfer a large amount of funds to a company called credit Karma Money for {$5000.00} on XX/XX/XXXX to pay a dept toward a credit card and Credit Karma refuses to give me my funds they have violated my trust and withholding my only means to live eat and basic necessities due to my XXXX I am currently XXXX  they do not comply with their own policy and been way past 10 business days to review my account and purposely hold my money it is not there money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$840.00}, XXXX - XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$3100.00}, and XXXX  XXXX  XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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