BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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. XXXXXXXX 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 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 2023-01-28
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not an attorney. This description is in reference to my own personal experience that I've had with ERC and how they have failed to uphold the FDCPA. ERC attained my location information without my permission and contacted me at a time that was inconvenient to me to threaten to take action against me that would be a detriment to my reputation and livelihood by furnishing false and negative information on my consumer report. I assumed the vital role of my life and requested a Debt Validation from ERC sent on XX/XX/2021. It was received by them on XX/XX/2021. After 160 days, I still have not received any of the documentation I requested to have the alleged debt validated. They were supposed to respond within 30 days of receipt. They, instead, called me and used obscene language to attempt to get me to pay an alleged debt they say I owe, but refuse to validate, and claimed that the FDCPA did not apply to their company making statements like " we don't need your information to furnish items on your report and never get permission before we do ''. They continued to harass me by sending me mail to my address without my permission. In this mail, is the logo of the debt collection company, mischaracterized balances meant to mislead me, several instances of threats, and several instances of obscene language. I've had an official Affidavit of Truth notarized and sent to ERC outlining the ways they've violated me that they have also failed to acknowledge. This leads me to believe that they are well aware of the ways they have violated me and agree that what I have just described is entirely true as they continue to willfully violate my rights by avoiding my specified remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield has contacted me several times about a fraudulent debt being reported by a leasing company. I called to dispute several times and provided a paper trail of conversations directly with the leasing company that shows they agreed that I do not owe them any money. They are attempting to charge me rent for the entire month of XX/XX/2022 even though I did not live there and communicated to them that I was no longer living in the unit. This company has been very unprofessional in their validation of the debt with the clear information I provided that shows the company said my balance was clear. Attached you will find pictures of the conversation directly with the leasing department invalidating the charge they are pursuing. This is a case of a company not being true to their word and attempting to take advantage of an individual without properly communicating with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: GA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-02-10
Company: Experian Information Solutions 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, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX  I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.

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 2023-10-28
Company: PENTAGON FEDERAL CREDIT UNION
State: HI
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Pentagon Federal Credit union took money from my account to pay their credit cards. My accounts not to be touch because the funds in it are for dissabilities.

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 2023-01-24
Company: EQUIFAX, INC.
State: LA
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 recently wrote to XXXX XXXX XXXX, via certified mail, requesting the deletion of the following account : Account Number : XXXX, ( Which is a collections, and they are reporting that this account is still open, instead of closed ). I would like for you to have a copy of this document as well. I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. XXXX XXXX XXXX continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. XXXX XXXX XXXX, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. XXXX XXXX XXXX has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which due to my research, I believe that XXXX XXXX XXXX violated, yet somehow, you still allowed XXXX XXXX XXXX to report that the information was verified, which allowed this item to wrongfully remain on my credit report. At this point, I pose the question ; Is XXXX XXXX XXXX above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond wether it is verified or not ; it has become a compliance issue, which XXXX XXXX XXXX is willfully noncomplying. Furthermore, XXXX XXXX XXXX continues to harm me. This matter has taken a significant toll on my health and livelihood, which has caused me both physical and mental distress. I have mentioned this in the letter that I have written to them. Please see attached documents. I have also enclosed the pdf version of my letter to XXXX XXXX XXXX, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which they have been, and continue to falsely verify as accurate. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to Chase bank that i have banked with perfectly fine for 3+ years iv had my XXXX kids who are adults now even open accounts. i have worked with the same company for 3+ years i recently switched as of XX/XX/2020 to get my paycheck instead of direct deposit my first check as of 2020 i received XX/XX/2020 & i deposited in ATM my check was {$1700.00} first night it let me have {$500.00} & released the rest the next morning so i assumed hey its maybe because i always got direct deposit that the bank is just double checkn things but now my next paycheck comes today about {$1600.00} & i walk in to deposit this time & the teller looks at me in my scrubs and shakes his head and says '' your lucky if i can even give u {$200.00} for this its a " XXXX " check but i personally bank with chase. so i politely told the rude teller who obviously had anger issues with XXXX, so i went over to ATM as i did the previous paycheck but now i have NO access to my money the whole entire paycheck. Is on a 10 day hold i dont have {$1.00} to my name and when i got back into the line the teller jjust threw his hands up and laughed and said i cant do anything and nobody in this bank can do anything to help you & he said dont bother asking for my manager because he wont help you either. i work 80+ hours a week at times XXXX XXXX XXXX XXXX and i litarally didnt know the bank can take my whole paycheck and refuse to give it back or to answer any questions & after my check was deposited i was NO longer allowed to get {$200.00} according to the sarcastic XXXX XXXX hating teller i had. I looked up the different holds the bank can hold my paycheck under & i was supposed to be offered some of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$710.00} XXXX  XXXX {$860.00} XXXX {$21000.00} XXXX XXXX XXXX {$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 non-monetary relief
Consumer complaint received 2023-06-15
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 am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2016-09-28
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My present mortgage has been identified as one of the loans created by XXXX XXXX XXXX in 2005 who was a major contributor to the mortgage industries financial downfall. XXXX XXXX sold or transfer my mortgage to Aurora Loan Services ( both of which declared bankruptcy ) and sold the bad paper, that is now held by Nationstar Mortgage LLC ( XXXX, TX ). My interest rate has reverted back to 6.+4 upon the end of what Nationstar labeled as a modification in my paperwork for 2 years at a 2 %. I am now told that my loan was not a modification but a forbearance. My situation has not changed since the housing industry problems. I am still on a fixed income and can not afford the high interest rate and am in danger of losing my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: NJ
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 XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states 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 well 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 they caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has put derogatory information on my credit report in relation to this account when in fact the company " XXXX XXXX XXXX '' wrote the account off with the IRS as a profit and loss so they were compensated for this vehicle. I AM NOT IN POSSESSION OF VEHICLE IN QUESTION. EQUIFAX is reporting this account on my report with a balance that is NOT owed by me. IN FACT THE DEBT HAS BEEN PAID IN FULL! XXXX  XXXX XXXX has not only been compensated by the UNITED STATES GOVERNMENT VIA FEDERAL TAX REPORTING AND BUSINESS CREDIT but EQUIFAX XXXX OR XXXX have NEVER had my permission to report this account on my credit report. HOWEVER THEY ARE ACTIVELY REFUSING TO TAKE IT OFF MY REPORT WITH NO EXPLANATION IN WHICH VIOLATES USC 1681b PERMISSIBLE PURPOSE EQUIFAX, XXXX AND OR XXXX DOES NOT AND HAVE NEVER HAD MY PERMISSION WRITTEN OR IMPLIED TO PUT ANY OF THIS ON MY CREDIT REPORT publicly or privately furnishing this inaccurate information to any credit grantor affecting my chances of gaining credit and having a decent chance at life. especially due to the car not being my car or owned by me and specifically due to the company being compensated by the IRS for said Vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage company is CALIBER LOAN, during the closing of the loan, it was never mentioned nor is it in the legal paperwork that I am not able to make regular monthly payments ahead of schedule. At this time, the maximum payments ahead of scheduled I can make would cover XXXX months in advance. This feels like an unfair practice, because I should be able to make payments, lets say, in XXXX for the rest of the the calendar year without any issues. This practice seems to be predatory because it prevents me from paying my mortgage down in a most efficient format, saving me the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of this fraudulent Capital One Account. I have no liability for this account and I demand that Capital One stop trying to collect a so called debt that was not created by me. I was served by a sheriff for a debt that is not mine. XXXX, XXXX XXXX XXXX XXXX, XXXX is the law-firm that submitted the documents that was served to me on behalf of Capital One. This account is not mine and if all illegal debt collection practices does not cease immediately I will seek remedies immediately. My consumer rights under the Fair Debt Collection Privacy Act is being violated. I also submitted an identity theft report with the Federal Trade Commission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I sent in an investigation request to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but I have yet to receive a response.

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 2023-11-17
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX transferred my loan to a new company called Mr. Cooper. Right before the transfer they did a escrow review and calculated a shortage of {$3900.00} for the year or roughly {$990.00} per month ( this was + $ XXXX/month more than previous months ) to start in XX/XX/2023. My total monthly mortgage payment went from {$1800.00} to {$2100.00} per month overall which includes principal. I've explained to both XXXX XXXX and Mr. Cooper that my taxes have not increased, in fact the actual taxes have decreased this year. I've asked them why am I still paying for a projected shortage due to taxes and insurance increasing when my taxes have decreased and my insurance has increased but not enough to justify this much of an increase. Mr. Cooper, my current lender, insists that they have done their calculations correct for the upcoming year and that is not what I'm disputing. I am concerned that I should've received a refund for the overage that I've been paying these past 5-6 months when the actual taxes have not increased, they are much lower than theirs ( and XXXX XXXX 's ) projections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief