BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with product or service terms changing

Complaint:
In XX/XX/XXXX, I noticed significant drops in my XXXX XXXX ( XXXX TransUnion, XXXX XXXX ) since XX/XX/XXXX. I discovered that my XXXX credit card account had been transferred from XXXX XXXX  to XXXX XXXX without my explicit consent. The account transfer resulted in autopay settings being reset, and XXXX subscription charges ( XXXX and XXXX ) went unpaid. I contacted XXXX XXXX on XX/XX/XXXX, to resolve the issue, but they insisted I should have been notified of the transfer and changes. 

I sent a letter to XXXX XXXX XXXX credit dispute department on XX/XX/XXXX ( attached ), asking them to expunge the delinquent marks and notify credit bureaus of the correction. XXXX XXXX responded, stating they found their report to the credit bureau accurate and no further action was needed. 

I reject this conclusion as I never consented to the transfer, charges on the new card, or voiding of my autopay settings. 

The impact of a damaged credit score can be financially debilitating. I urge XXXX XXXX to review all reported payment delinquencies during the transfer of accounts from XXXX XXXX  XXXX XXXX XXXX. Financial institutions should obtain explicit consent for account transfers and be required to carry over previous account-level agreements like autopay settings. Credit scores have significant socio-economic consequences, and the process should not be treated lightly.

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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$360000.00}.

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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility.

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 2015-05-11
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Let me start by saying that my wife is pregnant with our XXXX child and due any day now. The undue hardship that this has caused us is beyond words. This complaint is against Nationstar Mortgage. XXXX XXXX XXXX service released my mortgage and sold it to Nationstar on XXXX XXXXXX/XX/2015 XXXX did not notify me of this. I was scheduled to close on the sale of the home on XXXX XXXX, XX/XX/2015, but had to cancel XXXX due to Nationstar refusing to send me a payoff quote form. I spoke to XXXX different " supervisors '' and was told a different excuse by each one. In XXXX years, I have never been so much as late for a payment and now these banks are taking advantage of me. All I need is a simple payoff request form faxed to me in order to be able to close.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: NCB Management Services Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Maganement Services , Inc. claims I owe them {$60.00}. I have asked for validation of an account from them showing I have a signed contract with NCB. So far, they have not provided me with any such document. Further, NCB has continued to report negatively to the credit bureaus, damaging my ability to obtain new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed XXXX XXXX with Equifax. They will not remove the item. I had to file a police report and have sent many letters to XXXX XXXX and they will not send me any information. I also contacted the " original '' debtor XXXX and they will not give me any information. This account is not mine. XXXX XXXX is a scam. Every time you call XXXX, they send you to voice mail if you want to dispute the charge and no one calls you back. I have written them and sent them the police report which they request when you dispute with Equifax. Now the Item needs to be removed as it is not mine and they will not provide me with any information on this account. I have also disputed this charge with XXXX and they must forward this info to asset which they have not done. Please remove XXXX XXXX ASAP ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
Today on XX/XX/XXXX I received an enclosed letter from Sephora saying that I owed them XXXXXXXX XXXX XXXXI never opened a card with XXXX and even attempted in the past to call them and let them know that it wasnt me.They told me there was nothing they can and it would most likely be posted to my credit if nothing was done about it .I feel like it should be taken completely off my report because I definitely never opened a card with them before.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: ID
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:
XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX accordance with the Fair Credit Reporter Act XXXX account number # XXXX, # XXXX, and # XXXX has violated my rights, 15 U.S.C 1681 Section 602 8 States I have the right to privacy.

15 U.S.C 1681 Section 604 a section 2 I also state a consumer reporting agency can not furnish my 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 2015-05-08
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
consumenfinance.gov/complaqintWho concern : My name XXXX XXXX XXXX , through this letter I would like to complain about the abuse committed by banks On XXXX XXXX I fall behind in my mortgage payments for three months, send a check to cover these payments and returned telling me that since I They had made foreclosed and would have to pay extra {$5000.00} for costs and fees if he wanted to catch up. 
Visit many lawyers to save my home but they asked me {$3000.00} minimum to start my caseDesperate apply for bankruptcy for myself, as pro se, but without the legal experience dismissed me case, then apply for a second also in me dismissed. 
The XXXX XXXX XXXX who file the foreclosure transfer to the NATIONS STAR LLC. Three month after they filed. And On XXXX XXXX XXXX, they granted with summary judgment and schedule the sale for XXXX XXXX, because I not have served with a notice of hearing, then filed MOTION TO VACATE this judgment for the following:1.- ASSESMENT ERROR OF THE RECOVERY2.-The NATIONS MORTGAGE LLC. Was no the Holder of the indebtedness at the time it filed the suit. 
3.-The Defendant not was served with notice of hearing in the Summary JudgmentWherever the defendant come working with the plaintiff NATIONSSTAR LLC, since XXXX in LOSS Mitigations program and they ask for new paper each two month, the last notice XXXX/XXXX/XXXX they said that given advice not less 90 day and the paper was completed. 
For this reason the DEFEDANT, send MOTION TO CANCEL SHEDULE AND CONFIRMATION, but without of knowledge legal I do n't know what happen if the Court considered those Motions, although I have a certificate that the attorney general gave me to help my case for {$5000.00}, but no lawyer accepts this they ask for cash, the last lawyer I visited want to {$8000.00} for see my caseI do not really know where to go 'm an elderly person and I would stay in my house about everything I could do my loan payments if the Bank approved for loss mitigation program or refinance the arrears. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NC
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:
In or around XX/XX/XXXX I noticed XXXX ( Acct # XXXX ) listed on my credit profile and asked XXXX to verify the information. Correspondence from XXXX company stated the information was reviewed and verified. Whereas I disagreed with their findings, In XX/XX/XXXX according to FCRA, Public Law 91-506 Title VI section 611 Subsection A-D, I asked Experian to reinvestigate the alleged account and to provide the method in which you verified along with any supporting documents. On XX/XX/XXXX I received correspondence from XXXX stating the account was again verified and accurate. However, it is not! 

As reported on my consumer report ( attached ), the alleged account ( XXXX XXXX Acct # XXXX ) was charged off XXXX of XXXX. Since then, the account has repeatedly been updated as charged off every month. To my understanding a charged off account should NOT include an active payment history. XXXX 's failure to verify this account is now causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Below is a copy of one of my email to Nationstar LLC for your files : with the complaint details to add to existing complaint # XXXX XXXX XXXX XXXX .... 

XXXX XXXX : Nationstar LLC1. I regret that Nationstar 's shameful practice of blocking access to my account information continues and has triggered my complaint to a Federal Agency in connection with the Nationstar 's improper business practice of blocking access to my account information contained on the Nationstar Web Site, on condition that I waive the order from the XXXX 

2. Once again, the XXXX Ceast and Desist order against Nationstar was associated ( ONLY ) with with payment demanding and harassing phone calls between the XXXX and XXXX of month, and not internet access to my account information. 

3. I was coerced to make an unwanted web site selections to gain accessto my account data and to contact you for the 3 times about this issue. This amounts to punishing me by prevent access to my account unless, I withdraw my XXXX order against Nationstar Mortgage LLC. 
4.I INSIST THAT THE ACCESS BLOCK BE REMOVED, AT ONCE! See part of Blocking Panel that I was allowed to copy from the Nationstar LLC Web Site. 
" Ceast and Desist Confirmationclose '' This block prevented me from access to my mortgage information, and it is now in affect, notwithstanding my phone calls and emails attempting to get access to the Nationstar Mortgage LLC Web Site.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XX/XX/XXXX Account # XXXX  -XX/XX/XXXX XX/XX/XXXX Account # XXXX -XX/XX/BridgecrestAccount # 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 following items of information any other adverse items 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 reached out to XXXX, XXXX and Trans Union and disputed XXXX hard inquiries that are currently on my credit profile. I NEVER authorized any of XXXX companies to pull my credit. I only authorized XXXX XXXX and XXXX XXXX to pull my credit. I made it clear to the dealership that I already received a pre approval from XXXX XXXX and Global Funding and although they have higher rates, I have a thin credit profile and I did not want my credit run by multiple companies. There are at least 7 companies that pulled my credit without my permission and show up 3 or more times on the same day. I have repeatedly reached out to all three credit bureaus and made them aware of what happened and they refuse to comply when I insist that they remove the inquiries. I am also disputing XXXX XXXX. XXXX XXXX implies that I owe them {$1700.00} I have never had an account with 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 non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: OH
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: Problem with personal statement of dispute

Complaint:
XXXX was on pause while bankruptcy proceedings and still waited months later to report 6 payments being late. It was a forbearance and a COVID-19 were they on pause for any type of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
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 received two ( 2 ) Mastercard credit cards in the mail. the cards were in the names of 1. XXXX XXXX XXXX ( myself ), and 2. XXXX XXXX XXXX ( my XXXX  wife ) .The cards were sent by Huntington National Bank , XXXX XXXX XXXX, XXXX , NE. These cards were UNSOLICITED. I have never requested any credit cards from them. 
I contacted the appropriate department at Huntington band and spoke to a person by the name of " XXXX. '' I advised that I did not request the cards, make application for the cards, and do not want the cards. She advised me that the account had already been closed. I asked her what the records showed as the the status of the cards, and she replied that they were closed by the bank. I responded that if the bank closed the account, my credit record would reflect a negative notation, showing that the bank initiated the closure. She replied that she was sorry, but she couldn't do anything to change that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
This complaint is to inform the CFPB that I have received notification from Transunion in regards to former complaints I submitted XX/XX/22 complaint number XXXX. The letter I received once again is unresponsive to my request. In regards to the following accounts ; XXXX XXXX, Partial account XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX. Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
. Due to the remarkable amount of data breaches with one of the three major consumer reporting agencies, I have found it necessary to exercise my right under the XXXX XXXX XXXX XXXX. Which requires financial institutes or companies that offer financial products or services like loans, financial or investment advice or insurance to explain their information sharing practices to their costumers and safeguard sensitive data, The GLBA generally requires clear and conspicuous notice of information sharing. The law also states that a privacy notice must be provided when a consumer relationship is established. And consumers have the right to opt out. Transunion is willfully breaking the law by denying me the right to examine sensitive information they have regarding my credit file.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX MS XXXX ; XXXX XXXX XXXX XXXX XXXX MS XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$2000.00} ; XXXX XX/XX/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 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 non-monetary relief
Consumer complaint received 2021-06-21
Company: JPMORGAN CHASE & CO.
State: MD
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 a student loan account through XXXX XXXX XXXX that was also through JP Morgan Chase Bank. The account was sent to collections through XXXX XXXX XXXX, even though I never received a bill or an loan payment notice to begin with. I started paying the collections account in XX/XX/XXXX. All payments of {$150.00} per month were agreed upon by XXXX XXXX XXXX and have been made on time. My credit reports show that I have missed payments that are 180 days late for XX/XX/XXXX and XX/XX/XXXX but these are incorrect. I also do not believe that the payments should have ever been sent to a collections agency in the first place, because I was never informed that there was any payment due to begin with. The account as a whole has had a very negative effect on my credit and may cause issues for me at work, since I am enlisted in the XXXX XXXX XXXX and hold a Top Secret Security Clearance. I have tried disputing this multiple times through XXXX, XXXX, and XXXX  and through XXXX XXXX. JP Morgan Chase Bank will not respond to any phone calls, emails, or correspondence from the companies or myself and has failed to correct the information after years of filing disputes.

Company response to consumer: Closed with explanation