BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-09-25
Company: MOHELA
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
It is my understanding that under the limited PSLF waiver, *any* prior payment made on student will count as a qualifying payment, regardless of loan type, repayment plan, or whether or not the payment was made in full or on time. However the the servicer has disqualified MANY of my previous payments because they were apparently more than 14 days late. Do ALL prior payments count or not? 

I would like all of my eligible prior payments to count towards my XXXX payments that will allow me to use the PSLF program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Regional Management Corporation
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:
This complaint concerns a high-Interest loan company. I acquired a secured loan with XXXX XXXX XXXX and paid the loan off early. My first loan with XXXX XXXX was at 15 %, then I was sent an invitation to apply for additional funds, and the interest rate increased to 18 %. My issue is that I paid off a {$12000.00} loan in a little over a year, and my credit score did not increase, not one point. I am assuming if you don't pay your loan over the life of the loan, which would accumulate a high amount of interest, the company will close your account instead of reporting that the account is paid in full first. When I approached the credit bureaus about correcting the issue, the company stated that the account was " Paid '' and in good standing. Therefore the credit bureau considers the complaint resolved. 

Credit reporting aims to show your ability to pay your obligations on time. There should be a rule or law that requires lenders of personal loans to report that an account is " Paid in Full '' for at least 90 days before closing the account, which in some cases can hurt your credit score. If your policy states that there is no penalty for early pay-off ; why not give credit where credit is due?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXXXXXX XXXX XXXX I sent a letter to XXXX XXXX requesting my XXXX be closed and all annual fees removed. Furthermore, my account was always on autopay but for some reason my account was removed off autopay from XXXXXXXX XXXX. I have family members who remain on autopay so it's not like the bank does not offer this service. 

The bank has now continued to add a late fee every month for the past few months. Now today they reported my account as late to the credit bureaus thus effecting my credit score which was excellent. Such an excellent payment history that even today when I signed onto XXXXXXXX XXXX online they offered me another credit card account. 

The bank has now damaged my credit score and I want this removed from my reports as this issue was caused by them for taking me off autopay. 

I uploaded another letter to the bank today which is herby attached to this complaint.

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 2022-10-21
Company: EQUIFAX, INC.
State: FL
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:
Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXXXXXX XXXX  Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX Company Name : XXXXXXXX XXXX Date : XXXXXXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, 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:
I submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY XXXX CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXX XXXX XXXXXXXX and also XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX IS BEING REPORTED TO MY XXXX ACCOUNT. 

ALSO ON MY EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX IS BEING REPORTED WHICH IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Synovus Bank
State: IN
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 2023-03-25
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/2023, I mailed a letter to two credit reporting agencies to get personal information removed that doesn't belong to me and I have not received any letters about or updates about the data being removed. I have refreshed my credit report on my credit monitoring site and the old information still appears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
As usual, Select Portfolio Services is up to shenanigans on my mortgage XXXX. 

I sent a {$2900.00} payment on Saturday, XX/XX/XXXX to their overnight address, which they received at XXXXXXXX XXXX on XX/XX/XXXX. I have proof from the USPS in the attached document ( Slide XXXX ). 

The U.S.P.S. confirmed the package was received on XX/XX/XXXX at XXXXXXXX XXXX. ( Slide XXXX ). So, THEY SHOULD HAVE POSTED IT XX/XX/XXXX. THEY did not. They are waiting for some reason. I pray to XXXX it posts XX/XX/XXXX and is back-dated to XX/XX/XXXX. 

This is unacceptable. I want the payment back-dated to XX/XX/XXXX, which is the day they received it. As I understand it, they HAVE TO DO THIS! IT IS THE LAW! 

This is a very important payment for me. The payment, by posting on XX/XX/XXXX, would mean that my mortgage was CURRENT as of XX/XX/XXXX and XX/XX/XXXX, with my next payment not due until XX/XX/XXXX. 

This is important because by making my mortgage current on XX/XX/XXXX, it resets the foreclosure clock that all mortgage lenders run. I know this because I was a XXXX XXXX at XXXX XXXX XXXXXXXX. 

But what I believe THEY are doing is trying to drag the posting of my payment into XXXX so you can claim I was never on time and keep the foreclosure clock right where it is! It is a DISPICABLE tactic! and they must be stopped. 

You can see in my attachment that the payment is posting effective XX/XX/XXXX ( slide XXXX ). This is one day late as they dragged their feet on posting the payment. You must fix this! 

Further, I want a SIGNED letter from SPS stating my mortgage was current on XX/XX/XXXX, and XX/XX/XXXX, with my next payment due XX/XX/XXXX. So, in the future, WHEN SPS tries to pull a fast one, I can throw their own acknowledgement letter back at them. 

I want this payment back-dated to XX/XX/XXXX XXXX, XX/XX/XXXX! Please use your power to force these clowns into doing their jobs! 

Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights XXXX5 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe 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 2022-05-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage with one year remaining. I paid off the mortgage on XXXX XXXX, 2015 with a certified cashiers check as was requested. I have been attempting to get a filed release of lien on this property. After contacting Nationstar customer service on multiple occasions, by phone and in writing, I have still not received the recorded release of lien. I did request and received an emailed copy of the notarized release dated XXXX XXXX, 2015 but it did not have any information related to filing. The County Clerk office for XXXX XXXX does not show a filing for the release as of today ( XX/XX/2015 ). I have contracted with an attorney, who sent letters to the XXXX addresses I had for Nationstar document administration. These letters were received and signed for on XXXX XXXX, 2015. 
I need to have the filed release of lien in order to apply for a Home Equity Line of Credit on the property. On XXXX XXXX it will be XXXX months since the loan was paid off and more than 2 months since the release was notarized but still not recorded. Nationstar has not responded to my attorney yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
NATIONSTAR FALSELY REPORTED TO XXXX AND XXXX THAT A JUDGEMENT WAS ISSUED IN MY NAME IN XXXX 2014 AND REPORTED 60DAYS PRIOR TO ANY SERVICE OR COURT DATE IN VIOLATION OF FCRA, FDCPA ETC..LASTLY LOAN WAS TRANSFERRED AND AWAITING DISMISSAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I noticed on the XXXX XXXX XXXX XXXX website that my property tax ( {$4700.00} due XX/XX/XXXX ) had not been paid by my lender ( LoanDepot ) from my escrow account. I contacted the lender multiple times and informed them there was now a late fee of {$470.00} assessed due to their error. I was told they wired funds but the tax collector said they did not. They also said that if they did send the payment- it would be returned if it didnt include the late payment. I wrote a letter or error and sent it certified mail. It has been 12 days and I havent received any response. 

I now see that LoanDepot is increasing our payment by {$500.00} a month for the next year. They state my taxes have gone up {$55.00} a month ( which is approximately the amount of the late fee assessed ) and that there is an escrow shortage ( for some u known reason ). We cant afford an additional {$500.00} a month- especially for their error! Every time I try and chat or call- they disconnect it when I bring up the late fee/their error. I was told to send them a tax sale letter if tax assessor sends me one. I do not feel comfortable with any of this and am fearful their error will cause us to lose our XXXXe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXXXXXX 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 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 2023-01-19
Company: Experian Information Solutions 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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 XXXXXXXX

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 2022-09-25
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received communication from XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX that a new debt collection account from Radius Global Solutions was added to my credit report. It states that this is for a medical collection in the amount of {$300.00} from XXXX, however I have never received any form of communication regarding this.

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 2015-07-21
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with nationstar and they refuse to help. I do n't like talking to them on the phone because they always change information on me so I 've emailed XXXX times now and gotten nothing in response. They wo n't take any money from me because it 's not the entire amount. I just keep getting the run around. I have faxed my paper work XXXX times and they say they still have n't received it. I 've never recieved a letter saying when the house was up for auction. Im just looking to get a repayment plan so I can switch companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Resurgent Capital Services L.P.
State: MS
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:
I have never done any kind of business with this company LVNV FUNDING LLC they have continuously reported false reports on my credit report that I would like to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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: 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, 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 you if you do not validate these items. Please follow the law so that this situation can be settled quickly.

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