BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2023-04-27
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted this collection agency numerous times asking for copies of my original contract/purchase agreement because I have never signed up with them nor given permission to them to open an account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been working, in good faith, with Nationstar/XXXX to sell our home as a short sale. It has major foundation damage. 
We have produced at least XXXX offers over the past several months. Nationstar/XXXX would not allow the property to sell for market value. 
During this phase of marketing, no one knew the full extent of the foundation damage. 
We had one offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX. We had another offer for $ XXXX when Nationstar/XXXX would not reduce their price below $ XXXX There were multiple offers that led to those XXXX accepted offers. During those offers Nationstar/XXXX forced potential Buyers to obtain appraisals, and estimates for the repairs. The Buyer 's spent their funds obtaining the reports and Nationstar/XXXX. The appraisal came in at $ XXXX, as is. 
Eventually, a year later, Nationstar/XXXX acquiesced to suggestions to reduce the price. We received more offers. We had more multiple offers that led to an acceptable offer of $ XXXX. Nationstar/XXXX would only consider lowering their $ XXXX demand if the Buyer obtained another appraisal and an engineering report for the foundation damage. The appraisal came back at $ XXXX IF and AFTER the repairs were completed ( The appraiser said he had no way of estimating the repair due to its severity ) The appraiser also classified the property as uninhabitable. 
Estimates were obtained that ranged from $ XXXX to $ XXXX to bring the property back to an inhabitable status. 
In XX/XX/XXXX, Nationstar illegally filed a Notice of Default. As I understand the law the NOD must be accompanied by an affidavit. In this case, the affidavit stated Nationstar tried, and was not able to contact us. This is obviously a mistake or a fabrication. We have been in constant contact facilitating multiple short sale offers, constant request for updated bank accounts etc., plus we have numerous phone calls logged between us. 
In addition, the affidavit was signed and dated XX/XX/XXXX, the notice of default was dated and recorded XX/XX/XXXX. On top of being false, the affidavit is untimely. Recently Nationstar filed the NOD stating our home will be auctioned on XXXX/XXXX/XXXX. 
This must be dual tracking. 
We have been negotiating more contracts over the past 2 weeks and Nationstar knows it. We have come to terms with one Buyer and have another in backup, for $ XXXX. 
Our Real estate agent claims Auction.com hijacked our XXXX XXXX Ads. They are offering our home for $ XXXX. 
In conclusion, the NOD/NTS should be rescinded or at the very least, the sale date should be postponed. Nationstar/XXXX should allow the sale to go through at the current $ XXXX all cash offer that 's on the table as we speak.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I did not consent to this UNFAIR and INACCURATE information to be reported to My consumer report. Please Remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with consumer. 

15 USC 1681 C-2 ( a ) You have 4 days from the date of this notice to comply with my demands as set forth in the context above. This will be my first and FINAL attempt to rescue this as I am prepared to litigate.

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 2018-08-31
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I tried contacting Transunion to clear up some things that's showing up on my credit file when applying for credit. Transunion is reporting I have 2 delinquent accounts and 1 derogatory account on credit file. I spoke with someone their and they were suppose to correct the issue and it has not been corrected. I do not have any delinquent accounts or derogatory accounts. Transunion needs to update my credit report immediately to reflect no delinquent accounts and not derogatory accounts.

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 2023-10-09
Company: SYNCHRONY FINANCIAL
State: PA
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:
XX/XX/23 a hard credit inquiry was sent to XXXX from SYNCB/Lowes. I did not apply to anything from that place ever.

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 2023-07-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I have been scammed in an attempt to protect my mother 's trust. 
My brother was the trustee for my mother 's account. He died suddenly, and I became the trustee. A few weeks after he died, I received a couple of calls from men who identified themselves as agents from my bank ( XXXX XXXX ) asking me to authorize a few large large sums of withdrawal requests from MY checking account. I realized they were from my mother 's account, NOT mine. I was advised that I needed to protect her account since these were scams, so I was told to transfer her monies temporarily to a different account, a SAFE bank account with The Bank of America. Since it was a large trust, meant to take care of my mother, I agreed to get her money out of XXXX XXXX and have it transferred to Bank of America. They gave me the account name and number to which the monies were to be transferred. The following were the dates and transfer amounts. 
Sent on XX/XX/2022 : {$7200.00} done on my phone Sent on XX/XX/2022 : {$48000.00} done on my phone Sent on XX/XX/2022 : {$68000.00} done in person at my bank Sent on XX/XX/2022 : {$42000.00} done on my phone Sent on XX/XX/2022 : {$96000.00} done in person at my bank Sent on XX/XX/2022 {$95000.00} done in person at my bank Sent on XX/XX/2022 {$61000.00} done in person at my bank Also transferred {$70000.00} from two annuities ( by phone ) to the SAME ACCOUNT WHICH THE SCAMMERS SET UP FOR ME IN A NEW BANK OF AMERICA ACCOUNT. I HAVE THE BANK OF AMERICA ACCOUNT NUMBER. 
When I realized this WAS a scam, the following agencies were contacted. 
XXXX XXXX Bank of America The Attorney General of Virginia Federal Trade Commission FBI - IC3 Form Social Security Administration XXXX Fraud Alert 3 lawyers who told me I would probably never see this money. They didn't want the case. 
The result : The SCAMMERS set up the account at the Bank of America, told me the account number and name. I DID NOT, but was led to believe that this was a SAFE account and I could preserve the money she needed to live on at the Bank of America, until XXXX XXXX was cleared of any wrong doing. My whole family is now separated, one from another, feuding over how I " LOST '' their mother 's money. Much heartbreak!

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 2023-11-11
Company: Experian Information Solutions Inc.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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 2023-04-27
Company: EQUIFAX, INC.
State: NV
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 ITEMS. 
XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Flagstar Bank, N.A.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to put a request in with Flagstar bank to remove pmi for about 6 months now. Every time I call I get a different answer and terrible customer service. Finally they accepted the application after 30 days which I had called to verify everything was correct before resubmitting since this was a 3rd attempt. They didnt tel me to send a check for the appraisal at that time or I would have been happy to do so. So after 30 days of them now having my 3rd attempt of an application they respond saying to mail a check. I mail a check and then they said it will be another 4 weeks to process. I am beyond annoyed at this point since it is another 4 months of PMI payments. The appraisal company finally calls to schedule the appraisal, I have XXXX so ask them to postpone by 10 days. 10 days later we schedule it only for them to call the day before to cancel saying flagstar bank canceled it. This is after they already cashed the check for the appraisal. At this point it has been 6 months of pmi payments that should have been removed long ago. They are just trying to collect more money and interest. Terrible customer service and completely unfair practices.

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 2023-11-11
Company: Experian Information Solutions 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: 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 following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 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

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 2023-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One advertised through various spokespersons that they changed their policy and would no longer report business XXXX XXXXXXXX XXXX to customers ' personal credit reports. I obtained this card only because of this promise. When I saw that the card did show up on my personal credit report, I closed the card and asked Capital One to remove it because it shouldn't have been there in the first place. Capital One refused to do that. I am attaching my letter to them and their response. Please notice that Capital One completely ignored the issue that I wrote about, and I hope that you will not let them continue to do that. I would like Capital One to explain, in great detail, the discrepancy between what their spokesperson said and what they actually did, with particular attention paid to every point in my letter. 

I have shared all of this information about Capital One 's deception with XXXX multiple times, but XXXX does not care about this deception. They say that if Capital One does not want to remove the card, XXXX will not either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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 a written direct dispute by XXXX XXXX, the consumer. This dispute concerns the accuracy and integrity of the information contained in my consumer report and pertains to account XXXX Capital One Bank, opened on XX/XX/2021 with a charged off balance of {$690.00}. I did not authorize or benefit from the creation of this account. This account was fraudulently opened using my personal identification information and I am requesting an immediate blocking of this information from being reported to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no 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 non-monetary relief
Consumer complaint received 2023-03-05
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for a Parent Plus Federal loan in the amount of {$17000.00}, and then cancelled it with my son 's college in XXXX XXXX within an approved timeline. I didn't need it and paid tuition with my own funds instead. On XX/XX/XXXXXXXX XXXX the college ( the XXXX ) sent me the confirmation with all the supporting documentation as proof of the Parent Plus loan cancellation. The loan was never disbursed and was promptly returned by the XXXX. On my Mohela account, the loan didn't show as canceled and continued to display a full amount of {$17000.00}. I've made a call to Mohela on XXXX XXXX XXXX at XXXX and spoke with XXXX of their reps. They told me they weren't able to see the cancellation and that I had to talk to the XXXX as they were the ones that had to cancel. I explained that I've been in contact with the XXXX and that they had sent me proof of the cancellation in XXXX and that Mohela had to process it. The rep said that they have had some delays but if the cancellation had been done, they'd process it before XX/XX/XXXX. By XX/XX/XXXX, my loan was till showing on Mohela. On XX/XX/XXXX, I uploaded all the supporting paperwork I received from the XXXX on Mohela 's website. To this day, it's still in the processing stage. I was also in an ongoing communication with the XXXX and received multiple documents and emails from them showing proof of the loan return. They also said that it appears that the loan cancellation had been stuck at the servicer 's level- Mohela 's - and that the ticket was created to speed up the case and it should all be resolved by the end of XXXX. On XX/XX/XXXX, Mohela sent me a message to my account mailbox with the repayment plan on this loan. My canceled loan is now in forbearance until XX/XX/XXXX. The repayment plan was generated on an undisbursed returned loan. I called Mohela again on XX/XX/XXXX twice and was put on hold. After an hour and a half of waiting time, no one answered the call. I emailed Mohela on XX/XX/XXXX, but have not received a response. There has been no resolution and/or any communication from Mohela since XX/XX/XXXX up to this day, XX/XX/XXXX. It has been 5 months. All the paperwork and communication screenshots are attached below.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contact XXXX XXXX and transunion numerous of times about the inquiries on my credit report and also the bankruptcy on my credit report. That has yet to be removed! I mailed in a police report I have mailed in my bankruptcy letter also contacted each creditor transunion has yet to remove the inquiries. XXXX has violated my rights as a consumer. Transunion stated that the bankruptcy court report the bankruptcies now I uploaded the bankruptcy letter now they saying XXXX XXXXXXXX XXXX AND XXXX report the bankruptcies on my credit which is false information that was applied to my credit report. XXXX sent me a letter stating they initiated a dispute but didnt accurately fix the problem because they said they could identify me! By law I dont have to give you my personal information because I dont want you with it but still XXXX are reporting things to transunion with no accurate information. XXXX stated in the letter they need proof of my id social security card and bill! If XXXX dont have all of my information why are they reporting things on to my credit!!!! Starting today this will be my last and Finally warning to remove all bankruptcies and inquiries off of my credit file! If you can provide proof of things you have submitted. Or I will be filing a lawsuit! Against XXXX and Transunion. I want both companies to provide me accurate information. I froze XXXX from accessing my personal information in XXXX but they still refuse to stop accessing it and reporting inaccurate information to credit bureaus. Attached is a letter from XXXX XXXX sent me. They closed another complaint today and didnt provide the attachments accordingly. I cant look or click on the attachment! Please remove all bankruptcies from my credit report!

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