BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-22
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:
I HAVE CONTACTED YOUR COMPANY TO GET THIS RESOLVED AND RECEIVED NO SOLUTION. 

UNDER 15 U.S. Code 1681b - Permissible purposes 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 instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave any written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. 

Concerning the following accounts below as a consumer, I'm demanding them to be DELETED from this account. 

XXXX {$53.00} # XXXX XXXX {$520.00} # 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 2023-06-23
Company: Experian Information Solutions Inc.
State: TN
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 would like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. 

XXXX XXXX XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from 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 2023-06-26
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX PARAMOUNT RECOVERY SYS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PARAMOUNT RECOVERY SYS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX , FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Regarding GM FINANCIAL Account Number XXXX XXXX XXXX XXXX 36 Month Lease @ {$440.00} per month. 
Vehicle was leased on XX/XX/XXXX thru XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. 
After the lease term expired, I accepted two monthly extensions for which I paid {$440.00} each month. Unable to arrange for an agreeable lease on a new vehicle, I exercised my lease purchase option and forwarded the amount stipulated in the underlying lease document {$21000.00} to GM Financial Leasing ( my check # XXXX dated XXXX, XXXX ) at the address furnished in their related letter dated XX/XX/XXXX which is XXXX XXXX XXXX XXXX XXXX TX XXXX. I enclosed the required odometer notice and statement and requested that the title be released to Virginia XXXX XXXX and XXXX XXXX XXXX. I also enclosed a prepaid FedEx return envelope in the hope of expediting handling of the transaction. On XX/XX/XXXX, I received XXXX XXXX check for {$21000.00} with absolutely no cover letter or explanation whatsoever! In response to my telephone inquiry, I am informed that I must go to XXXX XXXX and payoff the lease! Of course, the dealership can then send the payoff back to GM Financial! In order to accommodate this FRAUDULENT CHARADE, I was forced to pay XXXX XXXX {$590.00} captioned as Predelivery Service Charge! Please note that the dealership did not have possession of my vehicle and simply filed out a vehicle buyers order and applied to the XXXX of Florida for issuance of a title which was subsequently issued on XX/XX/XXXX. Obviously, GM Financial orchestrates this scam in order enrich their dealer partners while simultaneously abrogating their responsibilities to their lessees! I ask for a thorough investigation into this matter which is symptomatic of a widespread fraudulent scheme against the public!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: MO
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:
Dear Sir or Madame : I am writing this complaint today regarding a failure to investigate and respond to my dispute. I have written three letters, two of which have been received by Experian, and have not received a response. I have included return signature mail receipts showing they were received. The first dispute and request for investigation into the accuracy of their records was received XX/XX/2022, and did not receive a response. I followed up with another letter dated XX/XX/2022 that contained a copy of the original dispute letter that did not receive a response from XX/XX/2022, as well as notice that they had not responded, and another dispute and request for investigation. The post office was unable to locate this certified letter, as one of the mail reciepts attached shows. Upon notification of this error by the post office I wrote another letter dated XX/XX/2022 notifying them that they had failed to respond to my dispute and request for investiation into the accuracy of their information. I enclosed a copy of both previous letters and mail receipts, and sent this letter certified return receipt electronic signature as well. The documents attached show the dispute was received XX/XX/2022, and have not recieved a response that was due by XX/XX/2022. This may be considered willful non-compliance under the requirements pursant to the Fair Credit Reporting Act. One negative entry in particular regarding XXXX XXXX, XXXX is a problem due to the fact that it is inaccurate and they have failed to investigate or validate the information reported, and Experian has been complicit by having failed to investigate or verify the information, as they have not responded. I have written a seperate, but related, complaint regarding this collection company as well. The reference number for that complaint is Complaint Number XXXX. I have attached all documents to support this complaint. My suggested solution would be that Experian respond to my dispute and properly investigate the information contained in the original requests, or remove the unverified inaccurate information, as required by the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Yes, I had contacted the two reporting agencies without getting assistance and contacted the Attorney Generals ' Office in XXXX, IL? This was a last ditch effort and also sent the documents ' to XXXX that supports ' these problems ' especially with a Bank or thereof Banking Centers '? This was an unfortunate coming with the COVID Virus but in actuality it is the right thing to do as to how I was lost in the shuffle!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: JPMORGAN CHASE & CO.
State: TN
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2019, I made a hotel reservation for the weekend of XX/XX/XXXX using my Chase credit card through XXXX. Due to a medical emergency with my fiance, I had to cancel my room on the morning of XX/XX/XXXX with XXXX. I was told to use my travel insurance from XXXX which is sold by XXXX. After XXXX wanted a copy of her ER paperwork, which she didn't feel comfortable releasing at the time, I used my credit card company 's dispute process. The rep disputed both the hotel charge and the insurance fee I was then issued a refund. On XX/XX/XXXX I got a call from Chase saying that there is a no refund policy with XXXX and there was nothing they could do about it. I then received a letter from XXXX stating that since the insurance disputed I can't file a claim. Now I am on the hook for {$480.00} for a hotel that I never went to with no way of getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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 2015-07-06
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My wife & I held a primary mortgage with XXXX and a HELOC with Nationstar Mortgage. We Refinanced ( which went very well ) maintaining XXXX as our primary lien holder and drawing additional funds to payoff the HELOC with Nationstar as well as draw some additional money for home improvements. We closed XXXX XXXX, 2015 and received our check very early XXXX. Upon closing, I cancelled recurring payments to our original obligation with XXXX and with Nationstar. 

On XXXX XXXX, I received an e-statement from Nationstar that reflected my balance, plus XXXX past due payment and XXXX upcoming. Given we closed over a month ago, I called and was told that they never received a payment, let alone a full payoff. My wife & I were shocked! We double-checked all the closing papers from the Refi, and the payoff amount was included. I called XXXX, who spent a great deal of time researching what happened, and they were able to provide me with the XXXX tracking number for the check cut to Nationstar. They were even able to confirm that the package was signed for at the Nationstar facility on XXXX XXXX and the check was later cashed on XXXX XXXX. 

I filed an online inquiry with Nationstar for tracking purposes after their call center proved incompetent at assisting me. In the online inquiry I provided them : 1 ) a snapshot of the closing papers that referenced the payoff amount, 2 ) the XXXX tracking number, and 3 ) the image of the payoff check ( which I had to obtain from the title company ). 

On XXXX XXXX when I recognized the payment had not been processed and my initial phone call to Nationstar my online statement read that I owed {$140.00} as " past due, '' and the following day, after making them aware of their oversight, they raised my amount past due to {$290.00}. 

Today is XXXX XXXX, 2015. I sent Nationstar the image of the payoff check XXXX XXXX, and my account has still not been credited. Keep in mind, they signed for & cashed this check over a month ago. And now the are piling on late fees & charges for an account that should be paid off completely. 

My attempts to work with them to properly credit my account are leading me nowhere and I feel my wife & I may end up either owing more as part of our attempt to better our financial situation through our Refi, or needing to spend a huge sum of money for legal help on a simple matter of taking and applying a payment. Can you please help us!!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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 explanation
Consumer complaint received 2015-07-06
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am XXXX and fell behind on a few mortgage payments. I was able to make a large payment of XXXX dollars. Nationstar returned the check I sent. Nationstar informed me that I need to send XXXX in order to stay livi g in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 noticed a few accounts on my report I am not Familiar with

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 2015-07-06
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred to Nationstar in XXXX of 2015. My mortgage payment is due on the XXXX of every month. I am aware of a grace period that lasts until the XXXX of every month. I usually pay my mortgage on the XXXX or XXXX of each month online to prevent any late fees from being charged. When I made a payment to Nationstar on the XXXX of last month, I noticed that I was charged a XXXX transaction fee. 

I called Nationstar and was told that if they receive a payment after the XXXX of each month, they charge their customers a XXXX transaction fee. If payment is received before the XXXX, there is no additional fee. I believe this is wrong, I should not be charged any sort of fee for paying within the normal grace period. Nor should I be charged any sort of fee for paying my bill online, which is more cost effective than paying by mail or over the phone. Please look into this, I believe I am being ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX XXXX XXXXXXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXXXXXX, ACCOUNT NUMBER XXXX OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS XXXX XXXX AND XXXX  XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT XXXX PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: United Shore Financial Services, LLC
State: CA
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 SINCERELY APPRECIATE UNITED WHOLESALE MORTGAGE 'S GRACE TO REVISE MY CREDIT REPORT BY DELETING THE LATE PAYMENT. HOWEVER, IT HAS BEEN MORE THAN 30 DAYS AND THE REVISION HASN'T TAKEN PLACE YET. PLEASE ESCALATE THIS MATTER TO BE REVISED WITH THE CREDIT BUREAUS ASAP PLEASE. I ATTACHED THE PREVIOUS RESPONSE FROM UWM JUST IN CASE. PLEASE SEE THE LAST 2 PARAGRAPHS. THANKS,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: BSI Financial Holdings, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on CARES forbearance for 4 months, in XXXX I resumed making payments while BSI was working on loan modification documents. I asked if there are other options available for me and I was given only two : loan modification or lump sum of the missed payments because that's what I " qualified '' for although CFPB says if I have a federally-backed loan ( mine is VA ), my servicer can't make me pay in lump sum. I waited for the loan modification documents to come because the BSI representative I spoke to said there might be a " small '' interest rate hike. When I received the loan modification documents last week it was 3.5 %! my current rate is 2.75 % and no, 3.5 % is not " small '' and definitely not amenable. My VA loan technician and I have been trying to reach to BSI for over a week to discuss about my other options and to correct its inaccurate credit report that I'm behind my payments however we haven't heard from them. Today, I received a new online statement for {$14000.00} due in XXXX. I'm guessing this is an ultimatum from BSI because I haven't signed and returned the loan modification documents so next thing I have to do is lump sum payment?

Company response to consumer: Closed with explanation