BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am very concerned with this mortgage company. The first loan was paid in full and even lien's were paid. One reporting agency is stating that the loan is closed and the other is stating that it is not. I went through a Deed in Lieu procedure and even closed on the property at the bank,  XXXX . Please have the reporting agencies remove all late dates and times from their reports.  XXXX  and  XXXX . Furthermore, please have Nation Star report this correct closing and no late payments to my report. That is the fair resolution.


NATIONSTAR MORTGAGE LLC # XXXX 
  XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX   (   XXXX  )   XXXX   
Date Opened:  XX/XX/XXXX  Re sponsibility: Individual Account
Account Type: Mortgage Account
Loan Typ e: CONVENTIONAL REAL ESTATE MTG Da te Updated:   XX/XX/XXXX  
Payment Received: $ XXXX 
Last Payment Ma de:  XX/XX/XXXX  P ay Status: >Account  120  Days Past
Due Date<
Terms:  XXXX  per month, paid
Monthly for  360 m onths
>Maximum Delinquency of 120 days in  XX/XX/XXXX  f or   XXXX   and in   XX/XX/XXXX  fo r  XX/XX/XXXX <
High Balance: High balance of   XXXX    from   XX/XX/XXXX  to  XX/XX/XXXX ;      XXXX   from    XX/XX/XXXX   to  XX/XX/XXXX   Estimated month and year that this item will be removed:   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
company is refusing to properly investigate and removed said items on my credit report. this has been going on for 2 years or more. they would get a dispute and come back the same day with results. they are not doing their job.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 List of items below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated that everything was completed and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify what isnt reporting correctly.

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 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 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and XXXX  Accounts : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct 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 602 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 2019-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Your company illegally pulled my credit within the past 2 years. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Friday XX/XX/XXXX, there were 2 deposits made to my checking account. The first one was my payroll direct deposit from XXXX in the amount of {$2400.00}. The second one was a check from my attorney, XXXX XXXX XXXX XXXX XXXX in the amount of {$64000.00} as part of a settlement for an accident that occurred in XX/XX/XXXX. When I deposited a check, I was informed that there will be a hold on it until XXXX XXXX. At that time, I still had available balance of my own funds in approximate amount of just over {$3000.00}. Later that afternoon my kids and I left for a short trip out of town to celebrate my birthday and my child 's graduation. On Saturday XX/XX/XXXX, we attempted to use my debit card at an amusement park. The card was declined. At that time there was over {$2000.00} as available balance after I paid for the hotel and dinner on XX/XX/XXXX. We identified the closest Chase Bank branch and arrived there at XXXX ( 15 min before closing ). That is when I found out that my account was frozen and I was not able to use my debit card or have access to any of my funds, including the funds from my payroll. I was left with no funds. The branch supervisor was able to find a way for me to withdraw some money for the rest of the weekend, so that we could at least finish our mini vacation. I have contacted Chase Bank via phone on Monday XX/XX/XXXX. I was informed that they would remove the freeze by the end of the day. On Tuesday XX/XX/XXXX, my account was still frozen, however it stated that all my funds, including the settlement check, were available for use. I contacted Chase Bank again and spoke with a supervisor named XXXX who stated that my lawyer 's phone number needed to be verified and that he needed to contact them. We then contacted them on a merged call. The issue still has not been resolved. At this point I am not able to pay my bills or have funds for food for me and my children. I am also incurring late payment fees as a result. I was never notified of my account being frozen. I am a single mother of XXXX XXXX recovering from a recent XXXX XXXX  due to that accident. In addition, I came as a XXXX over 32 years ago and worked hard to obtain an education and build a career here in America. I feel that I am being discriminated against as a single income mother of XXXX who comes from an XXXX XXXX. I hope that you are able to assist me with resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing you with great concern. 

XXXX XXXX Account number : XXXX does not belong to me, and it has been proven. The account that made payments for the installment loan is not in my name however my social and personal info was used. 

A late payment was reported in XX/XX/23 and my credit file was alerted which is the reason i noticed this account. I filed a police report and ID theft report and the company : XXXX XXXX XXXX XXXX is not cooperating or willing to help in any way. If this is not taken care of and removed from my credit report I will be contacting a lawyer as this is affecting my score and preventing me from closing on a home. I have great credit and payment history and this is one of the only derogatory items simply because it was done fraudulently. The is not fair and against the law. CFPB please help. 

XXXX XXXX Account number : XXXX FTC Report Number : XXXX Police report number : 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 2021-12-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After solving my former problems regarding the accurate monthly payment amount and learning that the monthly payment due was {$960.00} I set up auto pay in XXXX of XXXX and was told that the first deduction will take place on XX/XX/XXXX. I mailed the XXXX payment and I called the bank at the end of XXXX to make sure the autopay was properly set for the amount of {$960.00}. I was told by Autopay customer service that everything was fine and that the amount of {$960.00} will be deducted on XX/XX/XXXX. XXXX. 

When I checked my bank statement on XX/XX/XXXX I realized that instead of the regular monthly payment of {$960.00}, Fifth Third Bank Autopay had bill my account for {$1900.00}. I am enclosing a picture of the screen showing the deduction of {$960.00} for the monthly payment plus {$940.00} labeled " curtailment '' I never agreed to a " curtailment '' payment on top of my monthly payment. This deduction is placing me in as situation XXXX XXXX for the rest of the month. I have been trying to talk to 5/3 bank for the last two hours. The Autopay department never took the call after holding 20 mts, the Dispute department told me they could not do anything about this and referred the call supposedly to the mortgage department. I have been on hold for more than one hour and have not been able to talk to anyone. 

I want the {$940.00} curtailment payment back into my account. If Fifth Third Bank is unable to keep is commitment and promises to bill only for the monthly payment due, I will be forced cancel this feature. 

I am more than fed up with Fifth Third Bank. It seems that every month I have to experience some type of fraudulent behavior or am subjected to some type of XXXX XXXX that always ends up with me losing and they trying to take money that they are not supposed to take. Again, I need the curtailment money they took right now. For XXXX 's sake, it is XXXX and have lots of bills to pay!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: MD
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$28000.00}, XXXX XXXX XXXXXXXX Balance : {$4400.00}

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 explanation
Consumer complaint received 2021-12-17
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello my name is XXXX XXXX XXXX. Formerly, XXXX XXXX. I have a private loan with Navient set to auto deduct from my XXXX account. I have attempted for over 20 days now to log into my account, to no avail. I just spent over XXXX hours on the phone with Navient on hold, having to repeat my new email address XXXX XXXX  times to customer service agent XXXX, and then to speak with his supervisor XXXX with whom I had to repeat my email address to XXXX. They say that they have an address for me that I can not verify? They also report that they don't have an email address on file for me either. I can not log in to change my banking information and they are trying to autodeduct my payment causing unnecessary overdrafts but will not allow me to login to my account and change my banking information. I type in my social security number, and my dob and they can not verify it. They need to STOP auto debiting my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: NAVY FEDERAL CREDIT UNION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have evidence of submission of 6 emails with clear attachments. One attachment was not legible ... The FIRST one only. So now every single document I have forwarded thereafter gets rejected but the Computer has been stuck on XXXX for over a month. I've even spent 2 hours on the phone talkIng with CSRs that tell me to stay tuned for security to fix it. Nonetheless. Nothing has happened. This is the worst customer I have received in 30 years of banking. I'd just like to reopen my accounts if that is a possibility. The number outlined as an acct number is just my Previous profile number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: PENTAGON FEDERAL CREDIT UNION
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 PENTAGON FEDERAL CR UN acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights.

15 u.s.c. 1681 section 602 A states I have the right privacy.

15 USC 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

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 2021-12-17
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: Public record information inaccurate

Complaint:
WHILE I WAS AWAY XXXX MY TIME IN THE XXXX XXXX XXXX SOMEONE STOLE MY IDENITY. I HAVE NEVER FILED XXXX  BEFORE! I REALLY DON'T HAVE A REASON TO BECAUSE THE XXXX PAYS ME WELL. TRANSUNION WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I AM TRYING TO REFINANCE MY {$300000.00} HOME BUT THE LENDER ID GIVING ME A HARD TIME BECAUSE OF THIS. PLEASE HELP ME GET THIS ISSUE RESOLVED.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES bank XX/XX/XXXX XXXX BANK DELAWARE bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADV XXXX XXXX XXXX MORTGAGE I XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ML/RANDOLPH-BROOKS FCU XX/XX/XXXX LP/DMS/AFFINITY FCU/AM XX/XX/XXXX XXXX XX/XX/XXXX FD/PRIME LENDING XXXX XXXX XX/XX/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 2023-07-25
Company: EQUIFAX, INC.
State: VA
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXBalance : {$270.00}.

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
15 U.S. Code S 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 
1. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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