BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My aunt stole my social security number and there was a security lock put on my credit report and now I have submitted all of my identity verification documents and I called back after the alotted time to see when the security lock would be lifted and now they want me to send it in via mail. I do not feel comfortable with sending identity verification documents in the mail and I have proof that I sent it to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX, XXXX XXXX, XXXX Account # XXXX and XXXX XXXX XXXX. Account # 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

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I noticed multiple credit open and closed accounts, names and addresses that I dont recognize on my credit report.

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 2023-06-28
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a purchase from Banana Republic using the XXXX card provided by Barclays XXXX. My bill came due, and I made a payment on XX/XX/XXXX, posted on XX/XX/XXXX, in the amount of {$55.00}. Everything was fine until yesterday, XX/XX/XXXX, when I received an email telling me that my bill is due - I'm behind on payments totaling {$57.00}. I checked my orders, my purchases, my checking account, and that number did not correspond to any purchase. I then checked my statement online, only to see that I'm late on my last payment- apparently, Barclays was " Unable to locate external bank account '' on XX/XX/XXXX, and never informed me. They also removed my bank account information from my profile when I looked further into it. 

I reached out to them and they said I have to turn on email notices and that they have every right to charge a late fee ( and subsequently report me to the credit bureaus ) because they couldn't handle the problem on their end. 

I don't know what email notifications need to be turned on, but I get everything from them. Regardless of whether I want to be signed up for their marketing emails, they should have notified me immediately as to give me an opportunity to rectify the situation. They did not, and they put me responsible for their error. 

This has been an ongoing issue - I had stopped using their cards and left retailers that use their services because of their failure to send statements and notices on time, claims that the customer doesn't have their settings properly configured, and generally horrific customer service.

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 2023-03-17
Company: Experian Information Solutions Inc.
State: MN
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 pulled my consumer report on XX/XX/XXXX of 2022 and saw there were some inaccuracies on my XXXX report. I sent in letters to this reporting agency a few times, only to not get a response nor remedy, my most recent letter sent 30 days ago which is the cut-off date and time that they have to respond or fix the inaccurate report. 

As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. I did not authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given XXXX permission to furnish this information. This is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. Promptly delete all inaccurate information as listed in this letter. 

You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

Proof or evidence needs to be produced that supports your claim or shows that you were right in your decision to furnish this information, I am demanding the removal of the above-mentioned inaccuracies within 30 days of this letter. It is your duty to accurately report information and as of now, you are violating my rights as a consumer. I look forward to XXXX resolving this matter with this initial communication. Should you choose to be willful and neglectful as it pertains to my file I will file a dispute against you in small claims court seeking remedy for said violations.

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 2023-07-09
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Well, this loan was discharged in a court of law, all student loans under XXXX XXXX XXXX in XX/XX/XXXX in a court of law was finalized to discharge all those student loans because of the fraud Corintheans Colleges and all the schools under XXXX XXXX had done to their students and how they targeted low income students so my loan shouldnt even be there or my classmates loans that I went to school with from XXXX and XXXX to XXXX were all discharge and dont have a balance but yet mine is still there I went to the same school for the same degree and I am still showing {$110000.00} balance and Im getting the runaround I have it removed when it shouldve been removed last year in XXXX or XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
5 Years ago, in order to be hired, i was told by my employer prospect to generate a credit report from Transunion and I had to pay for it. Subsequently i found out that in amidst the fine prints, i had subscribed to a monthly service of Transunion. I asked for a refund from their XXXX XXXX office but was rejected on grounds that i should have read the fine print. I had to write to their head office CEO for their XXXX XXXX to admit fault and repaid me the monthly charges. 

I found it quite disturbing that they engaged in this kind of fraudulent charging scheme and was surprised to read that your fine institution is filing a lawsuit against Transunion for their fraudulent and persistent common practice. 

I encourage you to pursuit this lawsuit to the end, do not settle with them.

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 2021-07-23
Company: United Shore Financial Services, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I signed a purchase contract on XX/XX/21 and started the mortgage process with United Wholesale Mortgage in XXXX, MI. The usual process of paperwork was started and was progressing towards closing. The initial date for closing was for XX/XX/21. I received my 3 Day Closing Disclosure on XX/XX/21 and was told to wire funds to attorneys office for {$19000.00} on XX/XX/21. The closing did not take place until XX/XX/21. On XX/XX/21 at XXXX XXXX  I was notified that I needed an additional {$6000.00} to close the loan the next morning!! I asked why and was told that the back ratio had changed to 46 %. At the given time, the FHA guidelines allowed me up to 52 % debt ratio without any problem getting the loan. I said that nothing had changed with my debt or income, how could that have happened. I was never really given an explanation. I was desperate to close the property. I received my final Closing disclosure at the closing table at the attorneys office at XXXX XXXX  on XX/XX/21. I feel that I wasn't give the proper notice before closing. The loan amount changed, along with amount to close, and the interest rate. I wasn't given a 3 Day Disclosure with all of these changes until at the closing table.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Dear Team, Here below in brief my complaint against TransUnion : 1- Yesterday XX/XX/XXXX I applied for credit score and report for free as I read online through Government of XXXX website ( we can get free our credit & Score report ) 2- When I applied online through TransUnion website XXXX nothing says that I will be charged XXXX $ 3- I received email yesterday and my cc was charged XXXX $ and it says this is a membership and it will be charged every month. 
4- I called customer service line of Transunion todaXX/XX/XXXXat XXXX and they say nothing can be done to you and we have no complaint department, for me this is rude and unacceptable from big company not to have manager on duty or complaint department. Moreover, after the customer service feel my frustration, they told this is a membership and can help you to not charge you in the future. 
XXXX I felt I am cheated and not about XXXX $ but the principle behind it I appreciate your help to raise this complaint and I am asking to refund the XXXX $ Thank you Kind regards 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 monetary relief
Consumer complaint received 2023-08-21
Company: Aspen Yo LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In 2017, my FHA mortgage was {$860.00} monthly. My mortgage payments began increasing with no explanation. The mortgage service was XXXX XXXX. After many calls and no answers given, I hired legal counsel. My Attorney, checked my recorded mortgage and found that U.S. Bank had changed my mortgage from FHA to XXXX. This was done without my knowledge, permission or signature. The mortgage increased to {$3500.00}. I could afford the payment but, after finding out what the bank had done, I stopped payments. Knowing my mortgage was FHA, there are Federal rules that have to be followed. The bank did not follow the FHA guidelines. Instead, they chose to start foreclosure proceedings. My Attorney fought this to no avail. The Bank never produced a signed document. Yet without admitting their wrong doing, their excuse was, we are not located in the same state and could not carry out the face to face meeting. If this had taken place, my property would not have been foreclosed and sold at the auction. I now have filed a Federal Law suit against U.S. Bank, XXXX XXXX. Their commitment of Fraud has caused serious harm to me and my family. 
I am filing this complaint at the direction of a Attorney. U.S. Bank has committed Federal Fraud. Also, my property is located in a area that is being gentrified. Very close to the XXXX  XXXX. I know I can't be the only person this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Transunion, XXXX, and XXXX are incorrectly reporting fraudulent accounts on my consumer report. It's been beyond 30 days and they've still yet to rectify the information. I've disputed these claims and I'm seeking litigation for the blatant disrespect and disregard for my credit wellness.

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 2021-11-24
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called the company 's customer service line to close the account. The customer service phone number is XXXX. After speaking to someone who I thought would close the account, that person said I had to be transferred to someone else. After waiting on hold for XXXX minutes, I was told that there was nobody who could take my call. I was very mad. I asked to speak to their supervisor- they also said that nobody answered. Really? They have plenty of people available to open an account but no one available to close the account? This is horrible!

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # 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 2017-11-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage have alleged they were transferred servicing of a loan that I owed in XXXX 2014. I have filed a lawsuit and voluminous amounts of complaints with Federal and State agencies referencing this debt collection. I have disputed this debt since they 've alleged they were collecting for XXXX XXXX XXXX XXXX. Most recently, I filed CFPB complaints referencing the debt on my XXXX, XXXX, and XXXX reports. As a result, of disputing the loan XXXX for almost three years ; Nationstar Mortgage has deleted this credit line from my the credit repositiories. However, Nationstar Mortgage has continued to send me statements indicating the loan is outstanding in the amount of more then {$140000.00}. Nationstar Mortgage and their attorney, XXXX XXXX and XXXX XXXX XXXX and their attorney, XXXX XXXX XXXX have been lying to the CFPB and the Courts referencing this alleged loan for years. It appears they ca n't synchronize their fraudulent scheme. XXXX XXXX XXXX goes into Court and say one thing and Nationstar Mortgage acts reflects the opposite. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 's has repeatedly told the Courts they have nothing to do with the loan since they transferred it to Nationstar Mortgage. Notwithstanding, Nationstar Mortgage will not give me any information referencing the loan they claim I owe more than {$140000.00} and have reported the loan has a XXXX balance with the credit bureaus. I am requesting the status of Nationstar Mortgage, ( XXXX XXXX ) loan XXXX as of today they 're allegedly servicing for the XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: EQUIFAX, 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: Investigation took more than 30 days

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. 

Here are XXXX XXXX that I didn't authorized : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX For Equifax please remove XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 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 2017-11-02
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
HI I HAVE A MORGAGE WITH MR.COOPER, MAY LOAN IS  CONVENTIONAL WITH INTEREST RASTE OF 7.875 %, MY MONTLY PAYMENT IS XXXX AND MY MATURITY DATE IS XX/XX/2022, I ASK FOR A PAYOFF QUOTE AND THEY GAVE ME XXXX BUT IF YOU DO A CALCULATION OF 53 MONTHS THAT I HAVE TO FINISH PAY, TIMES MY MONTLY PAYMENT THATS FIXED OF XXXX, YOU HAVE XXXX. 
I CALLED THEM TO KNOW HOW THEY CAME OUT WITH THIS AMOUNT AND THEY SAY THAT IS A TERMINATION FEE AND I HAVE TO PAY THE XXXX IF I WANT TO PAY OFF MY MORGAGE, AFTER I PAY THE AMOUNT THEY ASKING, THEY GOING TO REIMBURSE ME THE REST.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened a check-in bank account in Regions bank in XXXX, Alabama. The account was working fine for XXXX weeks, but due to some issue, they closed my account without telling me. I am an international student studying in the US, I ordered something from XXXX from that bank debit card and I returned it back, so XXXX is saying the amount has been refunded but the bank is saying your account is closed, so there is no amount so contact to XXXX. And XXXX is saying contact to the bank they will provide you cheque, just provide the transaction id ; I provided the transaction id also but bank says that their is nothing where we can enter 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 non-monetary relief