BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
These accounts should be excluded from my credit report and you are in violation of 15 USC 1681a ( 2 ) ( b ). Pursuant to 15 USC 1681a ( 2 ) ( b ), any authorization of a specific extension of credit indirectly by the issuer of a credit card or similar device. I authorized these companies to extend me my credit back to me by issuing my credit card, which is my social security card pursuant to 1602 ( l ). You are also in violation of 15 USC 1681a ( 2 ) ( A ) ( i ) because you are reporting information about transactions between me the consumer and a person making the report which should be excluded from my consumer report. So these accounts should be excluded from my credit report under federal law. I demand that these accounts be deleted from my credit report immediately since I am a federally protected consumer under title 15 chapter 41.

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 2016-09-20
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold the servicing of our mortgage to Nationstar while we were in Chapter XXXX. Nationstar tried to collect funds that were not authorized by the trustee. We recently refinanced our loan through XXXX XXXX. XXXX told us that Nationstar would be refunding excess monies in our escrow account. That refund has not occurred. We believe that Nationstar has stolen some amount of money from us in violation of court orders and is illegally profiting from the purchase of servicing rights on our home loan. We would like a full and complete accounting of all funds handled by Nationstar while they serviced our mortgage and an explanation of why the excess escrow funds have not been refunded as promised. This entire experience with Nationstar was a nightmare and offices such as the Consumer Financial Protection Bureau are needed to protect citizens from the questionable practices of companies like Nationstar.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Convergent Resources, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
During my annual credit health check, it was discovered that said collections owed to XXXX XXXX were owed by me. I attempted to contact XXXX, who did not have any information on debt. Who then directed me to " Convergent Outsourcing '' who could not provide an email or mailing address. When asked when was initial notification of debt sent out, they said it had not. Information other than social is incorrect. When asked to dispute, they directed me to file a police report. No type of resolution or attempt by a debt collection agency to resolve.

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 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$2300.00} on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I gave proper notification to the apartment complex manager that I would be vacating the premises and I paid the last month rent directly to the apartment complex manager with a money order for {$1800.00}. There was no damage and the apartment was left in excellent condition. I was never notified by the apartment complex that there were any outstanding charges due and I was not aware that this account had gone to collections until I obtained a most recent copy of my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus as well as the apartment complex to remove this however, I have not been successful.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Please reinvestigate inaccurate items posted on my report. Ive been trying to get some written information showing where I did so from all companies I have not received it. A computer is not acceptable I need the proof!. Please reinvestigate and remove this nonsense from my report as it is hindering me from better myself in life

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 2023-05-04
Company: Chime Financial Inc
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX  My Chime account was hacked. My savings of XXXX was transferred to my checking .all my funds were drained .Chime returned XXXX But denied XXXX in XXXX transactions. They allowed 21 transactions to the same person. Within a 4min time frame.My phone number was change around XXXX XXXXChime did reach out about the number switch .At XXXX I was sleeping. I have ask who the person and were they located they refused to answer. Chime wouldn't tell were they customer service is located.I need my funds returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-18
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage has violated my rightsthroughout the whole trying to save my home. I now have an auction date on my house. They never warned me that auction was a possibility and only gave me 60 days from posting date to actual sale. I have complained before about nationstar not trying to help and making mockery of XXXX foreclosure avoidance program. Some complaints not even answered and some had missed truths in them. I need to stop auction so I can save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am livid on Nation Star 's injustice against me. Nation Star is using fraudulent claims against me in order to deny my loan. XX/XX/2016 I was denied for Hamp Tier 2 due to insufficient monthly payment reduction. Nation Star used The Federal Standardized Living Expenses Calculator ( {$2500.00} ), to calculate my expenses than my actual expenses on my Making Home Affordable Application ( {$1400.00} ) What is even more concerning is that my current market value was not even taken into consideration at that time but to my understanding, the loan to value is important to determine if the payment would increase or decrease. 
I was denied on XX/XX/2016 for a modification again due to their outrageous claim that my home is worth {$140000.00}. There is no way my home is worth that much! My property is grossly underwater and needs a lot of work. I recently paid for an appraisal to be done on my home resulting value of only {$120000.00}. Based on the Hamp Tier 2 guidelines, my loan is eligible under these terms. This is really affecting me due to Nation Star prolonging my case, I am falling further behind in debt. I have attended workshops for struggling homeowners like myself and have learned about my homeowner rights. All I want is a fair review under my correct income and correct property value.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ;

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 2023-04-27
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX ALLIED COLLECTION SERVICE INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX RE : Account Number : XXXX NOTICE OF DISPUTE DEBT VALIDATION REQUEST ALLIED COLLECTION SERVICE INC , I am writing to dispute the validity of the alleged debt you are attempting to collect from me. I believe that this debt is not valid and that it is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

Under the FDCPA, I have the right to request validation of the alleged debt you are attempting to collect from me. I hereby request that you provide me with the following information regarding this alleged debt : 1. The name and address of the original creditor.

2. The amount of the debt.

3. Proof that I am the person responsible for this debt.

4. A copy of any agreements or contracts related to this debt.

5. A detailed account of the charges and fees that make up this debt.

I am also requesting that you cease all collection activity until you have provided me with this information. Additionally, I am requesting that you remove any negative information that you have reported to credit reporting agencies. 

Please note that failure to provide the requested information or continuing to attempt to collect the debt without providing validation is in fact a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. 


Sincerely, 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 2016-09-20
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My original mortgage papers from XX/XX/XXXX when my loan was with XXXX XXXX XXXX indicate that my PMI should be automatically terminated on XXXX. My loan was sold to Nationstar Mortgage XX/XX/XXXX. The PMI did NOT automatically terminate on XX/XX/XXXX even after I contacted Fannie Mae to verify that the mortgage company is REQUIRED to terminate the PMI on this date, per my mortgage papers, and then after speaking with Nationstar who told me they needed to refigure the escrow and my next payment on XX/XX/XXXX should reflect this deduction. That has not happened and I am tired of getting the run around from Nationstar mortgage who is a fraudulent mortgage company and breaking the law if they do not comply with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: PA
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 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.

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: Experian Information Solutions Inc.
State: NV
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 Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account XXXX Account Number : XXXX XXXXXXXX XXXXXXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account NumberXXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX. Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following information. Any other adverse item of information, other than convictions of crime which antedates the report by more than seven years. 
15 USC 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 2023-02-23
Company: Maximus Education, LLC dba Aidvantage
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:
XXXX and foremost I am the original creditor 15 USC 1692 ( 4 ). I am the originator and the consumer. 
Secondly, XXXX mailed me a signed consumer contract on XX/XX/2022, which is not sufficient evidence of a debt. All that means is a credit transaction took place. 
According to case law, XXXX XXXX v XXXX, The term " debt '' is defined in 15 USC 1692 ( 5 ). A " debt collector '' is defined in 15 USC 1692 ( 6 ). 

My rights as a consumer have been violated. According to " Permissible Purposes Of Consumer Report '' 15 USC 1681b ( a ) ( c ) ( 2 ) I never gave any credit bureau written consent to report Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX on my credit report. The fact you have a consumer report for me is a violation see Exhibit A attached of my consumer Report. 

I am demanding that AIDAVANTAGE produce proof of a WRITTEN note from me, the consumer, giving them consent. If they can not then this is a violation of 15USC 1681q and 15 USC 1681a ( 3 ). 

What I am demanding right now is that you guys delete the following AIDAVANTAGE Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
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:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received your response in my complaint # XXXX and XXXX the one who submitted a complaint on XX/XX/XXXX. This account XXXX XXXX XXXX  is reporting on XXXX and Experian ( Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX  & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the XXXX  & XXXX have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me. 
XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$26000.00}

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 2022-11-08
Company: BSI Financial Holdings, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX # XXXX took my loan from BSI Financial with no notification and transferred it to a FAKE XXXX XXXX opened by XXXX XXXX XXXX. XXXX XXXX XXXX is not an authorized mortgage provider, not a bank, and does not meet federal mortgage regulations. XXXX XXXX no longer has been employed by XXXX XXXX ( where my loan was first held ) since 2021. XXXX XXXX illegally made this transfer breaking all the laws as he is also not under the NMLS for BSI or XXXX XXXX in fact his is related to XXXX XXXX. XXXX XXXX made this transaction with XXXX XXXX XXXX to steal the real estate and avoid a lien process. XXXX XXXX has cooperated and aided XXXX XXXX XXXX in this illegally identity theft, mortgage theft, falsely of a mortgage company, banking fraud, and retaliation due to divorce proceedings. This needs to be rectified back with XXXX and XXXX XXXX needs to provide all documentation in regards to the submission and communication to XXXX XXXX XXXX as he has refused. Noted also XXXX XXXX XXXX paperwork does not match her filings with the state of Oregon. She is filed under XXXX XXXX XXXX, her fictional paperwork states XXXX XXXX XXXX XXXX, then at the top it just states XXXX XXXX  none of this meets the regulations or mortgage guidelines. It is a false copy to mimic XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I am an ID theft victim tried to notify the bank. They ignored me closed my accounts horrible service. And never got my pay checks that were direct deposited into the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Fifth & Third Bank which whom has my mortgage isn't reporting payment history nor current payments that is applied to the account isn't inquiring to the 3 major credit bureau
XXXX,.XXXX, XXXX. Need your help please to resolve this issues.

Company response to consumer: Closed with explanation