BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
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:
There is a XXXX  XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is 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 2021-11-29
Company: ALLIANT CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a home loan with Alliant that was started this year ( XXXX 2021 ). We set up an autopay for the mortgage to be withdrawn the first of each month from our checking account and am able to track that they have been successfully withdrawn at that time. 

However, I keep receiving notices from Alliant via postal mail stating that our monthly payment has not been made ( it is technically due the XXXX of each month ) even though it can easily be shown through our bank records that the transactions are taking place. So I am being charged late fees for mortgage payments that have already been paid well in advance. 

I have called multiple times to Alliant and they state they aren't aware of why I would be getting these constant letters informing me of late fees and that they can see that my mortgage is paid appropriately each month. However, the mail I'm getting keeps increasing amounts of total due for not only the " overdue '' mortgage payment but also late fees that are clearly in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX   CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX

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 2022-11-18
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act my rights have been violated. per 15 U.S.C 1681 section 602 A. Which 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 and I have not given written instructions to have any of the information in the attached documents furnished on my behalf.

Per 15 U.S. Code 1681d ( b ) The results of your investigation results need to be shared with me the consumer. So, in conclusion of your investigation please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

ALSO PLEASE ADVISED THAT PER THE FAIR CREDIT ACT AND 15 U.S. Code 1681i ANY ACCOUNT THAT IS SLISTED ON THIS INQUIRY NEEDS TO BE REMOVED FROM MY CREDIT PROFILE IMMEDIATLEY WHILE IT IS UNDER INVESTATION BY YOUR COMPANY.

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 2023-01-02
Company: North State Acceptance, LLC
State: NC
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 NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act & XXXX XXXX UC_C. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. NORTHSTATE ACCEPTANCE has never proved this debt belong to me legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX still showing 2 collections on the credit report and those were charged off about 2 years ago, 1 is NCB Management Service {$4000.00} and the 2nd is not  showing the name or any other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
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 was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX  XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this 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 2023-07-26
Company: EQUIFAX, INC.
State: MI
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 8th 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 had a Bank of American account that become delinquent and then charge off for XXXX. On XX/XX/XXXX, I paid the full balance and closed this account with Bank of America. Bank of America updated the balance to paid with a XXXX balance on XXXX and XXXX. XXXX  did not update the balance to reflect this change so I sent a dispute to XXXX. On XX/XX/XXXX, I received an alert from XXXX monitoring that showed the investigation was completed and the account was verified and reported a delinquent status for the balance that I have already paid. I then tried to initiate a dispute online but the system will not allow me to. I have attached a check showing that the amount was paid and debited out of my checking account on 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 2020-07-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020, I did receive an e-mail from TD Bank ( XXXX XXXX  ) saying my checking account was in a lower balance on it. By XXXXXXXX XXXX. I did make a transfer from my savings account to fix that, nevertheless, on XX/XX/XXXX they charged my checking account with a {$35.00} fee because of an overdraft. 
I do have a linked account, a direct deposit and if it's wasn't enough, some lawmakers did suggest institutions like banks do not charge any fee during these difficult times of pandemic. Please, take note that the time between the transaction wasn't more than 20 minutes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-09
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:
I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  CREDIT CARD. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this 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 2020-10-16
Company: Better Mortgage, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Better Mortgage / XXXX is offering something of value with refinances a {$2500.00} XXXX credit which is not legal and something of value to close a loan, as well as offering referral commissions to marketing. This is published not only on the attached but on their website directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
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: Reporting company used your report improperly

Complaint:
Capitol One regarding late payment from 2017. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have a right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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 explanation
Consumer complaint received 2017-01-13
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had been having problems paying my mortgage due to a job loss a few years back, then was going through a divorce. My mortgage was with XXXX until late XXXX, then was sold to Nationstar Mortgage whom i had never heard of. Applied for several modifications, I was denied every time. My wife and I reconciled, but I was too far behind to save the home. Eventually the foreclosure process started, which was fine, decided to short sale the home as it was better than a foreclosure on my credit also, was told would be able to get relocation fees to help me move my family to another residence. Well we started the short sale process in XX/XX/XXXX, had to go to court numerous times, due to Nationstar not communicating about anything with their own attorneys missing days of work, without pay, due to the fact that the equator system and it 's reviewers were always months and months behind. In late XX/XX/XXXX the furnace gave out and we did not have the funds to replace it as it was approx. $ XXXX {$4000.00} to replace. We found an apartment, and borrowed from friends and family to be able to move in in XX/XX/XXXX. Had several buyers on several different occasions for the property however, because of the " backlog '' with equator and XXXX, none of them wanted to wait it out. Finally had a buyer that was willing to wait it out, and it is now time to submit the HUD, XXXX will not give any sort of relocation fee whatsoever. All paperwork received regarding foreclosure alternatives from XXXX states an advantage to their short sale program is relocation fees, my realtor has been submitting over and over, per Nationstar Mortgage 's advice to keep the relocation fee on the final closing paperwork. Fast forward to today XX/XX/XXXX, still no closing date, and its a year and a half later. XXXX is nothing but bullies, they do whatever they want regardless of what they have printed in black and white, there is an excuse for everything, I am most definitely having every piece of paper I have from Nationstar as well as XXXX looked over by an attorney, I am not going to be bullied by them like a lot of other people are, it 's time the gov't does something to protect the people!!!! HAD I KNOWN THEY WERE SUCH BULLIES AND HYPOCRITES I WOULDVE FILED BANKRUPTCY AND LEFT THEM WITH NOTHNING!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was paying XXXX XXXX XXXX a monthly payment of {$50.00} and sent to their address on XXXX XXXX. in XXXX the payment was returned. I tried to submit payment again in XXXX, and XXXX with the same result. I also called the business on XX/XX/XXXX and XX/XX/XXXX, but was unable to leave a message. 

Fast forward to XX/XX/XXXX when I received a 5 day notice to pay a past due amount of {$350.00}. I had never received any written, verbal, or electronic notice from them, despite the fact that I was told they had sent notice of their new address in XXXX and XXXX. 

I couldn't send a payment if I didn't know where to send it. I should not be held responsible for past due, or in the very least, be given some leeway on the past due amount, since I never received any written notice on their change of address, though they insist that they sent it. This is not the first time this has happened with this company, as I had initially found out they had taken over my debt by receiving a wage garnishment notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Southwest Business Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I lost my job two years ago and took advantage of the Alabama Hardest HIt program where they will pay your mortgage for one year. I was assured in a three-way phone conversation by both Hardest Hit Alabama rep and SWBC rep who works with these types of programs that this would not negatively effect my credit. I was concerned when i first went through the application payment because the end of the month would come and they hadn't paid it so I would pay it to keep it current and they told me to stop paying it, late payments under these programs would not be reported to my credit. This fall, the Hardest Hit program made three late payments, I believe on over 60 days late and two over 30 days late. This was reported on my credit and now my score has dropped drastically and I am having my credit card companies cancel cards on me. I filed a dispute with the credit agency, who told me I had to also file one with the mortgage company, which I did via a letter and also email. I received a letter from them last week assuring me it was under investigation. Yesterday, XX/XX/XXXX, I received a second letter from SWBC stating that the found the information to be accurate and are not going to fix this. This puts me in great jeopardy as I have started a business and my money is tied up and until it becomes liquid, I am dependent on credit cards - which I have always made my payments to all of them, mortgage included ON TIME!!! Please help me! I'm going under! My retirement is at stake here! Please help!!!

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 2022-11-18
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:
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.

Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, Account name 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 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. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was working on a loan modification with nationstar and I talked to them on Tuesday and they stated it was in review and they needed more paperwork and they sent that to me and I filled it out agin and checked back Friday and they stated they got that paperwork and needed another page they said was n't filled out and sent me the paperwork work on Friday the XXXX and when I called them this morning they are telling me it for closed on Thursday the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
hello, I have sent several letters to the creditors and the bureaus about unauthorized inquires that shows to be on all 3 of my credit report. On XX/XX/2018 and XX/XX/XXXX I sent certified letters to all three credit bureaus and all creditors that showed on my report to show me proof that I authorized these inquires and no one send proof. I am Requesting that they show proof that I authorized theses inquires or have them deleted.

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