BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
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: Account status incorrect

Complaint:
Earlier this year I attempted to log into my XXXX account but was unfortunately locked out. I could not access the account because I no longer have a credit card for the account. It is an old account that was closed so at this point I am just paying it off. When I spoke to Customer Service in XXXX of 2021 I was told the only way to access my account is to apply for another credit card which I do not want to do. At this point, I am now being denied access to my account. On top of that, I spoke with an agent to see if there was any way I could skip a payment due to my financial hardship, after she asked me a few questions the agent then told me I qualified for a 3-month deferral program that would allow me to skip my monthly payments for 3 months. However, they did not properly enroll me and now I am being affected negatively affected on my credit for 2 missed payments as well as additional fees. Not only am I denied access to my account I was also lied to by a customer representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

XXXX XXXX XXXX XXXXXXXX

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 2022-10-24
Company: Idaho Housing And Finance Association
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX a trial period was agreed upon by both parties in which three installments were to be made in consecutive months to commence the loan modification process with the new 2.5 % interest rate. This was paramount for me because I had been unemployed for 19 months ( XXXX XXXX XXXX  ) and needed my income to justify any modification. Over the course of six months the only delay in making the modification official was a lien handed down on my property that I wasnt notified of until XX/XX/XXXX. I acted swiftly to pay this which led to the release of the lien in XXXX of XXXX. I continued to call to pay my modified mortgage and asking for an update to my modification but only words followed ( as opposed to the action promised each time ). Its makes no sense for XXXX more months to elapse without any guidance, direction, or expectation set but this is exactly what transpired culminating in the the most gut wrenching phone conversation ever to occur in my life when a call to pay my XXXX mortgage informed me that the documents had been delivered and since more than two weeks had elapsed since distributing them a new modification would need to be enacted. Apparently they had been sent while I was away. How could a reputable business allow so much time to elapse without presenting any other explanation than we have thousands of loan modifications to deal with? To ask a hundred questions with only a few actual answers received over the course of XXXX months is completely preposterous! Well, sir, we dont work with that department isnt acceptable feedback to acknowledge before, during, or after this process. Now I have to somehow accept a 6.0 % interest rate and a {$40000.00} delinquency amount because the trial period payments were significantly lower than my previous mortgage ( pre-CoviD ) amount. Standards are quintessential in business arrangements and its clear that my HomeLoanServ coerced me to believe I was getting ahead only to end up further behind than I initially started in XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: NCSPLUS INCORPORATED
State: GA
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:
I paid my HOA bill for this year and last year. My HOA turned it over to a collection company. I emailed the collection company a copy of my bank records. The collection company put it on my credit and it has damaged my credit. I paid {$500.00}, {$250.00} in XXXX and {$250.00} in XXXX. The bill was {$350.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I secured a First Deed of Trust from XXXX Bank XXXX dated XXXX XXXX XXXX, recorded XXXX/XXXX/XXXX. The subject property is located in XXXX XXXX XXXX, however, the Notary/Attorney executed the Deed of Trust on XXXX/XXXX/XXXX was in XXXX XXXX XXXX, the certificate of acknowledgment states State of XXXX XXXX of XXXX XXXX ( attached ) there is no such county in XXXX. There is only XXXX Assignment of Deed of Trust from XXXX Bank to XXXX Bank recorded on XXXX/XXXX/XXXX, I researched no other assignments have been recorded. Nationstar has been collecting my mortgage payments as the servicer for the last five years, I became suspicious when I received a Notice of Sale of Ownership of my Mortgage to XXXX XXXX in XXXX XXXX XXXXThe letter from Nationstar dated XXXX XXXX XXXX specifically sates this Notice of Sale of Ownership was recorded however, I am unable to locate the recording or Assignment. I subsequently received a notice from Nationstar Mortgage stating that my loan has been transferred to XXXX XXXX XXXX. I would like to see the Servicing Transfer /Release Agreement from XXXX to Nationstar Mortgage XXXX and also the Servicing Transfer Agreement to XXXX XXXX XXXX and more importantly the documents the documents which confirm a Sale and New Ownership to XXXX XXXX XXXX XXXX XXXX XXXX 
I do not believe the servicing of my loan nor the multiple undocumented transfers are legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Block, Inc.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I am the owner of The XXXX XXXX XXXX. I provide personal training services to those in the Delaware area. On XX/XX/XXXX I received an email from a customer inquiring about personal training services for her XXXX children. I shared my booking link via email once again for her to check out my packages, policy, and let me know what would be best for her and her children. She let me know she was hearing impaired and ill and wanted her XXXX girls to start training on XX/XX/XXXX of 2023. I gave her a clear explanation of my packages and pricing and she chose the best XXXX for her which was 3 month packages for both kids totaling to {$1600.00}. I sent the invoice over for the payment and she successfully made the payment. It was also made clear and clarified that I do have a no refund policy and to make sure training still gets completed. Payment was processed XX/XX/XXXX. This customer kept up with me via text from that point on about training for her children, she chose their dates and times and they were added to schedule. On XX/XX/XXXX square space messages me about a dispute for {$1600.00}. I sent a copy of my policy, my packages, and all communication between the customer and myself. From that day until now XX/XX/XXXX squarespace held the {$1600.00} from my account. Then they debited my personal account for that same {$1600.00} multiple times putting me in the negative. They have held every paid invoice I received from other clients totaling {$1600.00}. Their agents failed to clearly explain why this was happening each time telling me they could not help. As of today XX/XX/XXXX my account is still on hold after being told XX/XX/XXXX that I was in the clear as far as the {$1600.00} due to them holding paid invoices to equal that amount.They have as of XX/XX/XXXX hit me account for that {$1600.00} yet again. It is sad they don't have any resolution for honest business owners. This has caused a huge inconvenience as this is how I live and take care of my family. They have been no help and I get told different things every Time I call. I will not be continuing business with this company and would appreciate for my account to be returned back to it original state and for them to return the {$1600.00}. I am also not able to keep track of my sales because the app is also improperly tracking my sales as SquareSpace keeps doing their own adjustment due to this! I have reached out to the CEO of this company via email to let him know what is happening and I have also contacted an attorney on this matter as I feel I am being cheated and robbed at this point with no clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
violation of FCRA VIOLATION OF METRO 2 COMPLIANCE i requested that accounts with inaccurate data for verification or corrected Accounts info thats not listed correctly came back verifed with all inaccurated info still listed after they said its correct, data not reporting accurate, across all three credit breaus, account closed but still reporting payments, credit limit inaccurate, dates open inaccurate PLEASE HELP IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS- # XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX 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 A WRITTEN INSTRUCTIONS. ( TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ) IF AFTER ANY REINVESTIGATION OF ANY INFORMATION DISPUTED BY CONSUMER AN ITEM OF THE INFORMATION TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED THE CONSUMER REPORTONG AGENCY SHALL - ( a ) PROMPTY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER OR MODIFY THAT ITEM OF INFORMATION AS APPROIATE BASED ON RESULTS OF INVESTIGATION ( b ) PROMPTLY NOTIFY THE FURNISHER THE INFORMATION HAS BEEN DELETED.0

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed two disputes with Transunion regarding a debt with PA Child Support Enforce. I have had a XXXX balance for several month, but they refuse to accurately update my records. They keep saying they verified amount with company after 14 days. How do you verify information as accurate. I would love to know who they talk to XXXX child support because no one answers phone. I have offered to call on three way for them to hear balance information. I have even offer to show other reports from XXXX and XXXX with correct XXXX. This is hurting me on my job who will look at my credit when getting my FINRA attestation on financial. I have disputed this item 2 times and they have not accurately updated. What is point of credit report if they refuse to uphold honor of FCRA laws ... I am attaching both my other two bureaus which accurately reflect balance.

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 2021-06-22
Company: EQUIFAX, 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:
My name is XXXX XXXX, I am a victim of identity theft. I have placed several fraud alerts to prevent any new fraudulent activity on my credit report. Recently, there was inquiries made on my report that I did not authorize. Please remove these from my credit profile immediately. Attached is my FTC affidavit along with my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: NY
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 Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. States I have a right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : 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 2021-06-21
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent up a dispute letter which pointed out inaccurate and nonfactual information on my credit report. Till this day I have no heard, been notified nor contacted about the aforementioned disputes. Over 30 days later, I can not help but feel as if I am being ignored and my fair credit reporting rights are not being exercised. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my report promptly. I demand immediate removal of all listed accounts or I will file for litigation for the mental and emotion stress this situation is causing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$5400.00} XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance XXXX {$790.00} XXXX  XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX  XX/XX/2022 XXXX OF XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2015-06-09
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, 2015 received notice from XXXX XXXX XXXX that servicing of my loan account number ( XXXX ) would be transferred to Nationstar Mortgage new loan number ( XXXX ) effective XXXX XXXX, 2015. The letter also related that the transfer " does not affect terms and conditions of the loan. '' XXXX XXXX payment was sent to XXXX XXXX XXXX and forwarded to Nationstar, no issues. 

I then received a letter from Nationstar on XXXX XXXX, 2015 detailing a principle balance of {$80000.00} with an interest fee of {$460.00}. The principle balance was correct as far as the transfer goes but the {$460.00} interest fee was a clear error ; given the APR and amortization table the first payment five years ago was not this much interest. 

On XXXX XXXX, 2015 I telephoned Nationstar 's customer service line to clear up the discrepancy. The customer service representative told me that he sent a form that explained I demanded an explanation of the interest fee. 

Also on XXXX XXXX, 2015 I mailed a letter following the process to dispute the validation of debt ( {$80000.00} + {$460.00} = {$81000.00} ), and to ensure all my bases were covered. 

Yesterday, XXXX XXXX, 2015 I received a letterRE : FHA Case Number : XXXX Loan Number : XXXX Payoff Requested : XXXX XXXX, 2015It was a mortgage payoff statement. 
It is my belief that Nationstar Mortgage received my dispute and instead of correcting their mistake is intentionally misinterpreting my letter as a request for a mortgage payoff statement. 

I also computed the math on the Mortgage Payoff statement that I received and the discrepancy still exists in the amount of {$390.00}. 

Thank you for your assistance it is greatly appreciated. 

Sincerely, XXXX XXXX & lt ; Copy of Letter sent & gt ; Loan Number XXXX XXXX XXXX XXXX XXXX, CO XXXXTo whom it may concern : I dispute the validity of the total debt {$81000.00}. 

I received correspondence from XXXX XXXX XXXX explaining that my mortgage was being transferred and the terms would remain the same. I also received correspondence that the principle balance at the time of the transfer was {$80000.00}. 

I was on hold with one of your nationstar representatives for XXXX plus minutes to uncover the discrepancy without an answer. If it is your companies ' contention to steal money from your customers I will be notifying my congressman and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
My ex husband received a call on XX/XX/XXXX from a portfolio recovery looking for me. I called them back, they stated that they are collecting a payday loan from either " XXXX or XXXX '' and if I didn't pay them they would see me in court and have me arrested. I stated that I declared bankruptcy in CT in XXXX, and that all of my debt was included, they said this slipped through the cracks. Their " paralegal '' got on the phone and demanded I pay today to avoid jail time. The phone number they called me from is XXXX, which comes up as a roboxall on XXXX. Lots of threats over an apparent debt that they can't produce documents for and just wanted me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Upgrade, 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:
Upgrade , Inc . 
XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Attention : XXXX XXXX Department Dear Sir or Madam, RE : Investigation into Fraudulent Accounts I am writing to bring your attention to a matter of both serious concern and urgency. It has recently come to my notice that two accounts have been fraudulently opened with Upgrade , Inc., using my personal information without my knowledge or consent. This outrageous act of identity theft is not only a violation of my rights, but it also tarnishes my excellent credit history. 

Under accounts, which I neither authorized nor recognize, transactions have been taking place that are negatively impacting my credit scores with the major credit bureaus. I categorically deny owning these accounts and emphatically state that they are the nefarious work of an identity thief. 

Pursuant to 605B of the Fair Credit Reporting Act ( FCRA ), I demand that you immediately block these fraudulent accounts from my credit file. I am appending a copy of a police report that substantiates my claim of identity theft, furnishing the legal requirement per the FCRA.

Further, I request an expedited investigation into this matter and expect prompt deletion of these fraudulent accounts on your part. The unauthorized accounts should be removed from all credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX. 

Failure to act promptly and dutifully to this request will leave me no choice but to take the necessary legal action to protect my rights. I am ready and willing to cooperate and provide any additional information you may need during your investigation.

I anticipate a swift resolution to this situation, reinstatement of the truth, and restoration of my credit standing. 

Thank you for your immediate attention to this matter. 

Yours Sincerely, XXXX XXXX Attachments : Copy of Police Report

Company response to consumer: Closed with explanation