BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-01
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 fraud alerts or security freezes

Complaint:
On XX/XX/2019- I contacted Experian requesting to have the Fraud Alert that was present on my credit report removed, after getting a new phone number and already had updated the alert with my previous phn number months prior. On this day, the representative I spoke with confirmed that the alert was removed and I even received an update via my Experian monitoring services being it was submitted as a dispute. I requested to have it removed as a whole, due to being in the process of trying to rebuild and re-establish my credit, and the alert overall was just becoming an issue, keeping me from being approved credit at all. The agent advised me that the removal would take a 24-48 hrs to update on my credit file. 

As of today, XX/XX/19 - I have been denied credit by creditors all due to being unable to verify my identity due to fraud alert, and showing a phone number I haven't had in years. So when they call it they couldn't reach me, and so my application ended up being denied. 

XX/XX/19 : XXXX XX/XX/19 : XXXX XX/XX/19: XXXX XX/XX/19: XXXX XXXX  XX/XX/19 XXXX XXXX : XX/XX/19 : XXXX XXXX XXXX  The issue I have is after reviewing my credit report Today, I noticed the an alert still there, and it wasn't the alert that was previous there. So I contacted Experian and was advised that there was some kind of issue that when I had the alert removed on XXXX  XXXX, the system unknowingly pulled an old alert placing it on my file, and the agent apologized, putting in a request to have it and any old alerts completely removed from my file, and I received confirmation of it being submitted as a dispute that was completed a few hours later receiving a confirmation email of it as well. However the issue I have is when initially applied believing the alert was removed, an inquiry was applied to my credit file for each application submitted, and to now see there was an issue caused by Experian, causing the creditors to be unable to verify my identity thru the details of the alert, so now that this issue has been resolved, I will have to re-apply with these same creditors causing the same inquiries to be added to my file again, causing my credit score to decrease in more points behind an issue Experian cause, and I think this inappropriate and unfair and because of it I am submitting this as being a 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 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in 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 ( a ), its 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 properly. 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 gotten 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 2016-11-01
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was transferred from XXXX to Nationstar Mortgage effective XX/XX/2016. Prior to it being transferred we paid our XX/XX/XXXX bill like usual with XXXX. While setting up our online account with Nationstar we noticed our bank account information transferred over automatically and in turn our auto debit settings transferred over as well. The only issue appeared to be that it was going to skip the XX/XX/XXXX payment, take effect XX/XX/XXXX, and that we would have to manually pay the XX/XX/XXXX bill online. So I went ahead and did just that on XX/XX/XXXX, with 6 days left in the grace period. It was debited from our account on XX/XX/XXXX We then woke up on XX/XX/XXXX and noticed that Nationstar attempted to withdraw an additional full {$1100.00} mortgage payment from our account which resulted in a {$40.00} NSF fee from our bank, XXXX. We were confused as to why, but saw that the bill was payed so we ignored it. A week goes by and they again attempted to withdraw another {$1100.00} from us resulting in another {$40.00} NSF fee from our bank. I then called their customer service and spoke to someone that was the equivalent to speaking to a brick wall. She could not follow what I was saying and kept repeating the same thing like she was just reading off a script and did not have a mind of her own. After XXXX minutes of not getting anywhere with her I asked for a supervisor and was transferred to someone that, after having to repeat my issue a few more times, finally somewhat understood what I was saying. She conducted a few minutes of research and then finally assured me that I was all set and that it appeared to be a computer issue on their end. I contacted XXXX and they more than happily refunded the XXXX NSF fees. We then all went on our merry way thinking everything was rectified. Fast forward to today, XX/XX/XXXX I get a call from a rep at Nationstar saying we STILL OWED OUR XX/XX/XXXX MORTGAGE PAYMENT. I explained what had happened XXXX weeks ago and somehow they magically found that it was in fact payed and that the issue was XXXX had n't sent over the payment from XX/XX/XXXX. I do not understand at all how these issue keep occurring. I do not understand how their computer system can make this many mistakes. I do not know if someone is doing something maliciously or criminally, or if they are just incompetent. What I do know is that we will be searching for a new mortgage company and if there is XXXX more issue we will be moving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My name is XXXX XXXX XXXX and the inquiry stated below is unfamiliar to me. Therefore, the furnisher was unauthorized to pull my credit report. 
Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. 

XXXX Date of inquiry XX/XX/2020

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 2023-05-04
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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 non-monetary relief
Consumer complaint received 2023-05-16
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Here are the details of the fraudulent debt collection account based on my XXXX Credit Report. I have no knowledge of this account opened fraudulently using my identity. 
Account info : Account name ENHANCED RECOVERY Also known as ENHANCED RECOVERY CO L Account number XXXX Account type XXXX XXXX Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1600.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX The address recorded on this XXXX XXXX XXXX account is XXXX XXXX XXXX in XXXX, Maine. I have never lived at that address and have owned and resided at XXXX XXXX XXXX in XXXX, Maine since XXXX. My phone service is through XXXX and has been since XXXX. I have reported this identity theft to both XXXX and Enhanced Recovery today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
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:
Im disputing the reporting of my XXXX account. Due to the COVID-19 shutdown I could not make my monthly payment. I missed 2, I contacted XXXX through email regarding my account. They responded by asking me to call the customer service depot to which I did. 
I explained my situation and XXXX on a reduced monthly minimum payment of {$70.00} for 6 months. This payment is automatically drafted my account On the XXXX of every month. Im disputing the fact that even though we agreed on the reduction in monthly minimum, they are still reporting me as 60 days late. I was not told by the XXXX rep that I would still be reported as late even though I am paying the {$70.00}. This is incorrect information as I am on a payment plan and I am making the payments as agreed upon, without fail. Due to the COVID19, I was laid off of my job due to my industry deemed non-essential. 
Experian did not help in this matter. It took them less than a week to give me the same answer as XXXX did.

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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 non-monetary relief
Consumer complaint received 2023-07-01
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I scheduled my monthly payment online, the same way I always do. The day the payment was due, I received an email that said my payment was returned and a returned item fee may have been assessed. On XX/XX/XXXX, I received a letter from XXXX, stating that my payment had been returned due to NO ACCOUNT and a thirty-dollar fee had been assessed to my account. 
I have called multiple phone numbers many times, trying to reach someone to resolve this false charge but nobody answers the phone. They keep you on hold indefinitely, until you give up. I have also tried emailing them through their website, and it says someone will be in touch with me but nobody ever contacts me. They also have an option for texting, and that produces zero results as well. I called their corporate phone number and a receptionist answered the phone, but she said all I can do is keep trying the customer service line. 
I am filing this complaint, not because of the dollar amount, but because this is theft and this bank needs to be held accountable. 
I have read many reviews on this bank and see a lot of the same complaints that I am experiencing. 
XXXX : XX/XX/XXXX - scheduled regular payment online for XX/XX/XXXX. 
XX/XX/XXXX - received email that payment was processed. 
XX/XX/XXXX - ( payment due date ) Received email payment was returned unpaid. 
XX/XX/XXXX - Received letter in mail stating that I was assessed a {$30.00} fee for not having an 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 explanation
Consumer complaint received 2023-08-27
Company: CORELOGIC INC
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2023, I have sent letters asking the reporting agencies to remove incorrect addresses as well as my name that is reporting incorrectly. In the letter, I asked that this information be corrected and that I received a letter stating it has been corrected. When I went to pull my credit reports, this information has not been corrected nor have I received a letter stating they have done so.

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 2023-07-08
Company: WELLS FARGO & COMPANY
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 information incorrect

Complaint:
To whom it may concern : According to 15 U.S. Code 1681C-2 consumer reports reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted form an alleged identify theft, not a 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 victim of identify theft!

please delete the items immediately!

These accounts should not be furnished on my consumer reports as they are in VIOLATION under 15 U.S. Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under 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 consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Along with this letter I have attached supporting documents in order to update my file. It is important that I recover the credit score. If you have any questions please feel free to contact me at the information above

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 2023-08-17
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Sequium Asset Solutions originally contacted me via e-mail on XX/XX/2023 stating that I had a debt with XXXX that they were trying to collect. I acknowledge the debt since I shut off my XXXX bill after moving in the middle of a billing cycle. However, the company said I had until XX/XX/XXXX to set up arrangements or they would report it to the bureau. I reached out via their website, as suggested, on XX/XX/XXXX. It gave me a confirmation that I was good to go. It was supposed to be paid off by the time XX/XX/XXXX came around. I thought nothing of it aince it would come out of my account automatically. Today, XX/XX/XXXX, I got a notification from the bureaus that they had reported this debt to all of the credit bureaus as unsatisfactory AFTER I set up an arrangement with them. I called them to see what was going on. The first agent told me he did not see an arrangement as ever being made. The second agent, which was supposed to be the manager, told me she saw the arrangement but it was MY job to go back after I received confirmation from them to make sure THEY took the money that they were trying to collect. We went back and forth about this issue. The company was not apologetic about the error, nor did they ask to fix it, and my credit was severely affected due to their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to my XX/XX/XXXX daughter PLEASE HELP ME 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 non-monetary relief
Consumer complaint received 2022-02-17
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:
XXXX, equifax, and XXXX refuse to give me my credit report after illegally using my information, Im demanding my reports from all three agencies so I can access the damage done to my credit profile!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: Experian Information Solutions Inc.
State: NV
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Listed below are the Inquiries that are being challenged 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 2023-05-04
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: Information belongs to someone else

Complaint:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 non-monetary relief