BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-07
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An amount of {$560.00} is owned by Nationstar Mortgage. On  XXXX   XXXX   XXXX   XXXX    XXXX   transferred my loan #  XXXX  to Nationstar Mortgage along with same loan terms. What occurred during the month of  XXXX   XXXX   XXXX  was a automatic payment made to   XXXX   by    XXXX   XXXX   XXXX    of  XXXX , along with two other payments made on  XXXX  and  XXXX   XXXX   XXXX . Nationstar claims non-receipt of payment of  XXXX   XXXX   XXXX  but the other two payments were received. Nationstar insisted that proof of record be provided that payment was made on  XXXX   XXXX   XXXX . First they wanted a FAX, later an EMAIL with justifying documentation. They insisted they had no record of receiving neither documents.   XXXX   XXXX   documentation verified all three payments were made. Nationstar on  XXXX   XXXX   XXXX  in- dicated that an error was identified, that a corrective statement would be made. No statement has been received and is anticipated. The only transactions made in  XXXX   XXXX  subsequent to  XXXX   XXXX   XXXX , were two others on  XXXX   XXXX   XXXX  for partial and principal transactions. Transactions made during  XXXX   XXXX  were the pay-off loan type. In the 5-months that we were paying on the loan was nothing but a headache, that we made the decision to terminate the loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXXXXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX, XXXX. : # XXXX, XXXX XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THESE ARE FRAUDULENT ACCOUNTS. PLEASE REMOVE THESE FRAUUDLENT ACCOUNTS FROM MY CREDIT PROFILE.

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 2023-04-26
Company: Experian Information Solutions 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: Billing dispute for services

Complaint:
Hello, I keep getting billed for Experian services on my chase credit card. I never ordered any services and never gave Experian any permission or authority to bill me or to provide me with any services. I tried calling Experian unsuccessfully, I also tried stopping the charges with my credit card also unsuccessful. Please help me.

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 2023-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX & XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I writing because of IQDATA INTERNATIONAL, unfair practices. 
They are charging me interest every month. They have added on over XXXX to the debt The Original contract does not state where interest can be added. 

I want the amount back to the original amount. 
I am on XXXX and making the amount bigger every month is insane Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the accounts which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the accounts I am concerned of : 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 2019-08-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Thursday XX/XX/2019 I attempted to contact 'XXXX XXXX to temporarily lift a freeze on my credit report, unable to access my online account ( that I created 2 years ago because I was a victim of their data breach ) I had to speak to a person on the phone and have them do the unlock for 24 hours. They asked me for several items of information to " verify I was the account owner. '' The oil company trying to obtain my credit report told me it was never unlocked and could not access my credit report. Friday XX/XX/XXXX, I again could not access my account online, and had to speak to another 'XXXX XXXX employee ( note : both times the customer svc. person had a heavy, hard to understand accent ) who again asked me the same items of personal information to verify my account ownership. They said it will be unlocked for 24 hours and again, the oil company could not view my credit report. So, the oil company suggested I try 'XXXX XXXX, I attempted to go onto my account that I set up 2 years ago, could not log on with them, so I called their customer service line, began speaking with a very heavy foreign accented person, who was plainly reading a script like a robot, and wanted my personal info. I became suspicious and ended the call. I then tried to access my 3rd credit reporting agency account, 'experian ', not surprised, could not log in. 
XXXXI locked these 3 credit reports 2 years ago, I kept very accurate notes of my user names and pin # 's, so I know my records are correct. 
* I had to allow a company to view a credit report 4 months ago, and it worked fine, no hiccups. 
* * My concerns are : these 3 credit reporting agencies XXXX, experian, XXXX have again suffered a data breach and I gave my personal info to a stranger who's going to use it for identity theft. Why are all 3 agencies unreachable through online log in at the same time??

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 2022-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, on XXXX 2021 XXXX dollars was stolen and then on XXXX XXXX more got Stolen. This happened on a weekend. I went directly to the Police and filed a police report. They said when they looked it was a Fishing scam and they hacked into my email account when I opened a XXXX email That was fraudulent. Ive fought Bank of America for months. I didnt even get a suspicious alert when they stole the money either time. XXXX Unbelievable I was shocked but little did I know it was fixing to Get a whole lot worse. Ive got no help not even a call from Bank of America investigators. That didnt tell me until ( 3 months into the investigation ) how the people were able to do a Bank transfer. Bank of America said that they attached an Account to mine about XXXX XXXX  days before they stole the money. Unbelievable!!!! But This story gets worse. Bank of America refuses to do the right thing and give my money back on my debit card. I even tried to get the account number that the perpetrators used to do the transfer and Bank of America wont give me the account number they used to get my money. So Im Out XXXX dollars and Bank of America is Withholding the key evidence that I need. 
Thanks 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 monetary relief
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 non-monetary relief
Consumer complaint received 2023-04-26
Company: McCarthy, Burgess & Wolff, Inc.
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My 2nd invoice with a new business I own was not allowed to process by XXXX for {$80000.00} due to the size of the transaction. XXXX has sense claimed I owe payment processing charges for the {$80000.00}. I have proof that this amount was never paid to me and therefore no payment processing fees would have be incurred. This incident happened on XX/XX/22. The company in question is XXXX XXXX XXXX XXXX. XXXX has filed the collection against the business name of XXXX XXXX. I own no businesses by this name and have no clue who this is. The charges XXXX is trying to impose is wrong and immoral.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was given a misleading " loan modification '' by Nationstar Mortgage. What they gave me was a loan forebearance, disquised as a loan modification ( see the attached documentation ).   My payment for the initial two years has been {$1600.00}.   I received a notification " of the successful complettion '' of my loan modification, and informed that my new payment effective  XXXX   XXXX , will be {$6400.00 } ( an  increase of over 400 % ).    NationStar tol d me that I qualified for a new affordable payment, and that it would be extended if I made my payments on time. All payments have been made on time.   This is a consumer loan. A loan on my personal residence. I can understa nd a 25-50  % increase. A 400 % increase is criminal and must also be a violation o f Dodd Frank  laws.   The irony of this situation is that my original countrywide loan was an adjustable loan at 2.00 % over 12 month treasuries ( currently under 3 % ). Had the loan never been " modified '', My payment would be several  thousand  dollars less than they expect me to pay them in  XXXX . My loan balance also significanty less than it currently is. They also want me to pay back the entire loan, over the remaining 19 years.   I have written to th e Chairman and CEO, and have not been offered a solution. If their intention was to push me into a short sale, why did they trick me into making payments to them in good faith, over the past two y ears?   There is no equity in my proper ty ( it 's w orth {$100000.00} less than the current loan balance ).   Unfortunately refinancing with another lender is not an option.   I 'm sure that I 'm not the only  Nationstar  customer that in this situation.   I 've attached all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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'm relocating to LA and looking to purchasing a condo. I checked my credit score just to see what was on my report because I haven't checked it in a minute. While checking my report I saw a couple of items that are not mine. This is fraud so I have taken the liberty of reporting it to the police as well and FTC. XXXX  XXXX, XXXX XXXX, XXXX XXXX and 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 report all 3 credit reporting agencies of which are XXXX, XXXX, and Transunion, for violating my rights as a consumer under the law 15 U.S. Code 1681- Congressional findings and statement of purpose. I disputed that the accounts XXXX, XXXX, XXXX, XXXX, were all inaccurate and I wish for that information to be verified via XXXX a credit builder app I paid for to dispute these accounts. The agencies I named above verified the information as correct and denied me my right to remove them from my account. The information they verified included dates that are inaccurate, or reported multiple different dates among all 3 agencies. Also another account says they received a 1099c and still have a balance owed for me to pay which violates the law and is tax fraud. And another instance is huge discrepancies between the 3 credit bureaus, they all have differences on the same account so I believe I am owed compensation as these account made it impossible for me to get a Credit extended to me for an emergency expense. In result I am in danger of losing my home because I missed payments on my mortgage. I would like them to remove the accounts, and pay me the restitution I deserve which is XXXX for each report being reported inaccurately and the balance of my mortgage thats past due now since they would not extend me credit based upon the inaccurate information they had reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: Nelnet, Inc.
State: FL
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 made a payment on XX/XX/XXXX which is being reflected on my account but Nelnet wouldnt report the payment and the lower loan balance to the credit bureaus. I have disputed the details of my account and they still did not correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I had a credit card with Macys and due to some charges on my account I was unaware of for " Credit Protection '', which I did not sign up for, I had late charges added to my credit report by Macys for XXXX 2018. I had a {$0.00} balance that I was aware of and because of these unauthorized charges they put 60 days late charges on my credit. I was not informed until they were already reported, then I received a letter from them. When I found out I paid this off to clear it up and have it removed from my credit report even though I disputed it. They refused to remove from my credit report and I have continued to dispute with the credit agencies, continued to call Macy 's to complain and ask for the reporting to be moved, yet nothing had helped and the late payments still show.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-07-09
Company: Diversified Adjustment Service, Inc.
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: Information belongs to someone else

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX -DIVERSIFIED ADJ SVC XXXX XXXX -XXXX/DEPT OF ED # XXXX -XXXX/DEPT OF ED XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation