BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
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:
I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2019-11-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have never been able to get a credit report from annual credit report for Equifax. If I have its been several years since I have been able to. I am not able to pass the verification questions because they have wrong data on my reports. I sent a copy of my drivers license and my social security card to them certified mail and they received it on the XXXX of XXXX. I called and explained the issue, and was again asked about 10 more open ended questions about my report. I explained that I was in bankruptcy and that I would need to know if she was looking for information from before or after. The representative did not know how to answer that question. She continued to ask me questions and then locked me out again. She had my drivers license and social security card the whole time. The purpose of me sending my documents was to avoid having to answer those questions again. I am now being told that they want a copy of a bill. Once I provide that they will do the something again. I can see incorrect information on my credit report through another bureau that Equifax is reporting. My rights are being violated by this reporting agency. They are refusing to give me my report but are continuing to ask for more and more information. I spoke wit XXXX, in a country outside of the us and her agent number is XXXX. It is now XX/XX/2019 and this company never sent my credit report after getting my documents on the XXXX of XXXX. They also told me that I could not log into Equifax.com due to my IP address but my partner is logging in just fine on the same computer. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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: Information belongs to someone else

Complaint:
I recently received communication from XXXX, Experian, and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Experian, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Experian, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Experian, and XXXX never responded! 

Furthermore XXXX, Experian, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that XXXX, Experian, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Experian, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Experian, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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 2023-06-27
Company: TRANSWORLD SYSTEMS INC
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I previously filed a complaint about Transworld debt collection contacting me about XXXX XXXX account. 

Today they sent people to my HOME. And I was forced to show identification, I was accused of being her over broke down cars in my driveway and I was humiliated in front of my neighbors. 

In XXXX my father XXXX XXXX passed away, he lived with me, wether he was affiliated with XXXX I do not know its not my responsibility to assist a debt collection company. My mothers name is XXXX I finally sent them to her house after beating on my door 3 times in a 10 min period. 

Attacking someone who has never had buisness with them AT MY OWN HOME is absolutely not ok and against multiple laws. 

I was told unless I paid her debt or found her for them or accepted documents for her they would not stop. 

I work nights they are disrupting my sleep and a man XXXX XXXX XXXX when I live alone as a woman is not ok. 

I will be staying in a hotel I expect them to pay for until they cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been trying for a modificaton since XX/XX/XXXX. It has been an exasperating ordeal for us and all we want to do is go back to making good faith mortgage payments to NationStar. My complaint is a serious matter, since our documents were sent, we 've been denied twice for a modificaton beacuse the Underwriter reviewing our file uses financials that are at least two months old. Each time we place a call to Nationstar, we are advised no further documents needed and no updated financials needed. How is that possible if we submitted documents since XX/XX/XXXX?! Our finances has changed for the better, we are XXXX XXXX and collect rental! How is it that a bank can review then denial a modificaton without accurate information?! How is it that a bank can review then deny you for a modification withour updated Profit and Loss and supporting bank statements?! Why is it that NationStar 's goal in NOT to help their long time customers but rather help us lose our home?! This is concerning to us because we can not afford to lose our home, it is not an option for us- the reason why we defaulted on our payments was because I was laid off of my job. Since our hardship, we have started a business which has been successful and we have consistant rent every month. It 's concerning that we can shoe affordability on to pay our mortgage but Nationstar is not doing their due diligence to when it comes to obtaining current documents for a review. How many times will they deny us a modificaton but then reopen our case for another review?! Why ca n't they get this right the first time around? I can never get a hold of a supervisor or the Ombudsman office, the representatives has lack of information to provide each time. We are annoyed and scared- this is not turning out in our favor but the banks! We ca n't even get a hold of our representative XXXX XXXX! extXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-22
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Have had credit card account with Discover Card since XXXX, never a late payment, always paying much more than the minimum due. Card initially opened as a secured card and with my responsible behavior, security deposit returned and credit limit increased to {$1200.00}. Since, opening the account in XXXX, my negative credit has remained the same, and I have had only positive trade lines since XXXX. On or about, XX/XX/XXXX, the automated review at Discover Card reduced my credit limit to {$500.00} based on the same negative information from when the account was opened in XXXX. 

With all of my positive trade line information, and the addition of two accounts at XXXX XXXX, my Discover Card credit limit should have only increased and not decreased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-06-10
Company: EQUIFAX, 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:
Upon reviewing my credit reports in XX/XX/XXXX, I found an account from XXXX XXXX that showed as a closed account. I've reached out to XXXX XXXX to inquire why this account originally opened in XXXX and paid off in XXXX without any collection activity was shown as closed. The agency reported that they could not assist and directed me to the credit reporting bureaus. Upon reaching out to Equifax, I completed a debt validation request to which I received a response that it would be investigated. This account remains on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, While away on vacation in XXXX of 2017 my card was fraudulently charged for several items. Barclay bank perform an investigation and subsequently restored the transactions. Once I asked for the documentation for the reversal was told only with a lawyer via a subpoena can they release records.

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 monetary relief
Consumer complaint received 2019-03-22
Company: Madison Management Services, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are serious errors in how this company tracks its accounting. Several of my payments going back to XX/XX/2016have not been factored in to the current balance. I have not had any of my payments applied to the principal balance in 7 months. There are no associates that understand the data presented on the website and I can not get a copy proof of what the new fees are that I am being charged. 
My entire account needs to be audited for errors going back 3 years and Im looking for someone who has the authority. If this is not resolved I will take it to a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CONSUMER XXXX XXXX Amount {$22000.00} is not my auto loan. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.

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 2017-06-23
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a complete modification packet on XXXX/2017. Which were 37 days before my sale date. However Nationstar refuses to review my loan for any workout option. I have a increase of income I am making {$4800.00} per month. On XXXX/2017 I spoke with Agent XXXX XXXX he stated even if I was to show a income of one million. I still wont be eligible for a modification.
<P/>
I am doing everything I can to show Nationstar my intentions are to keep my home, I know most of the government modifications programs are over. However ; I can still be offer a in house modification. or something from my private investor. Because my home is under water. I was told by Agent XXXX id # XXXX Nationstar takes into consideration the estimated market value, delinquency of the loan and the pending principle balance to offer an affordable payment.
<P/>
Nationstar is using as an excused my active sale date for XXXX2017. Even though my packet was fax 37 days before the sale date. I follow the guidelines and still Nationstar refuses to work with me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Experian Information Solutions 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:
I applied for a personal loan through my bank but the credit bureaus are stating that I have delinquent accounts when I don't. I sent all 3 bureaus a copy of my XXXX  XXXX discharge papers. So nothing should be showing under potentially negative. I only have 5 accounts open and all of them are current. I will greatly appreciate any assistance. I have been dealing with this since last year and my credit reports are still not updated correctly.

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 2019-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 reported to XXXX that the only address that should be showing on my credit report should be XXXX XXXX XXXX XXXX. XXXX XXXX TX XXXX and XXXX should be the only phone number.

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 2022-08-09
Company: Block, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/10 I transfered {$220.00} through CashAp to pay for a purchase. Funds were withdrawn from my checking account but never recieved by the person. I applied for a refund for the money. CashAp claims it was deposited into my debit card. On my bank statements from XXXX there is no proof of a deposit for this amount. Cash Ap does not want to return the money to me. They claim it was reversed. Which is has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I went into a XXXX store to buy a new phone and start new service. When they checked my credit there seemed to be an issue so they had me talk with a person on the phone to verify my identity. He asked me many questions about previous addresses, cars, acquaintances, wife, etc, most of which WERE NOT ME. There was only one question that reflected me " what color was your XXXX XXXX XXXX XXXX. All the other questions had NOTHING to do with me. Because of that, my credit was rejected. I have a credit score of over XXXX, nothing delinquent. I live within my means and do not spend or charge more than I can afford. Now I am worried about identity theft. I have spent most of the day on the phone with XXXX  trying to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I modified this loan in XX/XX/XXXX with XXXX XXXX XXXX. I made four payments ( Phoned in Check # XXXX XX/XX/XXXX, Bank Check # XXXX XX/XX/XXXX, and Bank Check # XXXX XX/XX/XXXX, Personal check # XXXX ) to XXXX XXXX XXXX as per the modification agreement to XXXX, but XXXX XXXX XXXX sold the servicing before the modification of the loan. The loan was transferred to Nationstar Mortgage, now Mr. Cooper. Nationstar/Mr. Cooper failed to modify my loan when they received it. They claim to only have two  payments towards the modification. They did not credit me for the first payment ( phoned in check # XXXX ), and were using my second payment as my first, and my third payment as a second payment. The fourth payment was also not credit to me and it was not until they received my fifth payment that the modification was completed on XX/XX/XXXX. Unfortunately this left me 30 days behind, when I really was one month ahead. 

I have filed several complaints and they appear to have found my payments but have credited me less than the amount due. They claim I now have a credit of XXXX when I should have a total credit of XXXX. They have not been very clear on why I even have a credit. My suspicions are they have found my payments, but are deducting all the late charges that should be completely removed, since I have never been late with my payments since the modification. I provided ample proof of all my payments, and they have both XXXX XXXX XXXX XXXX payment history and their own. I 'm also puzzled why they claim to have completed a new modification on XX/XX/XXXX ... Why? I did n't need a modification, I needed them to apply my payments correctly ... ..Something they failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were recently transferred to XXXX XXXX, and they can not give me accurate billing. When I call and speak to their customer rep, they state a different amount due than the website " Amount Due ''  states. What's more, the PDF billing statement for this cycle said there is no amount due, contrary to both what the customer rep and website screenshot said. The company can not give me accurate, reliable info about the amount due. 

Also, I registered for auto-pay and the customer rep claims I did so successfully, but the website continues to state " no payment scheduled. '' I have paid my loans on time for several years with other lends. It truly feels as though XXXX XXXX is intentionally trying to induce me to default.

Company response to consumer: Closed with explanation