BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-24
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 accounts are not mine and I became victim of identity theft and its killing my report and my life. I do not want to have something like this and please help me and make investigation. Its misleading information for sure and I do not want to have it. Remove these accounts 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 explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: OK
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 XXXX XXXX  shows that I owe them money and is reporting that alleged debt on my credit report. I did not authorize the charges on the account, and have no knowledge of them. Although I have requested verification from the credit bureaus and XXXX XXXX XXXX, they have failed to investigate and have failed to provide me with any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company has erroneous information listed on my credit bureau reports. They continue to list two of the same account numbers, both with incorrect information. This issue was disputed on XX/XX/XXXX and XX/XX/XXXX. The company never sent me proof or validation for this debt that is listed twice for two totally different amounts. The account was included in bankruptcy on XX/XX/XXXX. The date son the accounts are completely different dates. Nothing is matching or coinciding with one another. Partial payments was made to this account three times until XX/XX/XXXX when I realized this account was included in a bankruptcy. I gave money to a debt with no validation sent to me and incorrect information being reported on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a call this morning from a Nationstar representative calling in regards to a letter I sent two weeks ago requesting : 1 ) payments to be applied, 2 ) my dedicated loan specialist to contact me, and 3 ) info I have been requesting but have not received. The representative told me my account was proceeding with foreclosure. I asked her : 1 ) why my dedicated representative has not contacted me, 2 ) or sent me info, and 3 ) refused to provide me with an email. She said it was their preference not to provide it. I have not been able to reach her by telephone and my voicemail requests have not been answered. I should be able to request info by email and they can send it to me securely. 

I let the representative know that on multiple occasions funds I had submitted were misapplied or not applied since last XXXX and to current. I have proven that multiple times. This is another example of Nationstar calling me with no account detail and history. My account discrepancies should have easily been resolved. It should not be in foreclosure status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: U.S. BANCORP
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My name is XXXX XXXX XXXX and I am trying to purchase a home. 
On my credit is showing a collection open reported on XX/XX/XXXX in the amount of {$73.00} from US Bank that was a car lease that ended and I took another car with the same institution. It seems that calculating the pay-off it was a balance due of {$73.00} Dollars that I was not told or even advise in writing. I have another car finance with US Bank since XX/XX/XXXX and never have miss a payment to this date. 
I intend to correct this problem with them but to no avail. 
Account number reported # XXXX. I have requested a letter that this account reported on my credit report as a derogatory account on XX/XX/XXXX is wrong and that has been paid but no help from this institution. 
I am trying to purchase a home and XXXX XXXX keep declining my file for the wrong information entered. This is an abuse of power and also discrimination. I need this to be deleted from my credit history since I also have tried with the three credit bureaus and also to no avail. So I pray and hope that this complaint will be my solution to this empty road.

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 2017-03-23
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2016, I submitted a loan modification application to Nationstar. After I submitted my application, I submitted every document Nationstar requested after that submission. This week, I learned that I was denied a modification. The letter denying me a modification only reviewed me for Nationstar 's own Standard Modification. But I should have been reviewed for a HAMP product. While I had a HAMP Tier 1 before, I should have been reviewed for a HAMP Tier 2. The denial makes no mention of my eligibility for HAMP Tier 2 and presumably Nationstar did not review me for a HAMP Tier 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
on XXXX i requested a validation of letter concerning the validity of this alleged debt. They failed to respond. I am aware of FCRA and FDCPA law. This agency is in violation under 15 USC 1692 G and 15 USC 1681. I am requesting the removal of this account from all three credit bureaus 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 2020-12-01
Company: Experian Information Solutions Inc.
State: LA
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:
On XX/XX/2020 I file documentation for those inaccurate and unknown accounts that I found on my credit report. It's over 30 Days today I haven't received any response. I was a victim of XXXX Data Breach. I want all the account will removed ASAP or I will file a litigation.

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 2021-04-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a letter XXXX SEE ATTACHED LETTER FROM THEM ) in the mail from Credit Collection Services stating that I owed Creditor : XXXX XXXX COMPANY around XX/XX/XXXX. I responded back with a letter XXXX SEE ATTACHED LETTER XXXX asking validation with my signature regarding account File Number XXXX XXXX XXXX, which they claimed I owe a debt amount of {$730.00} on XX/XX/XXXX ( SEE ATTACHED SHIPPING SCREENSHOT ) and they received this letter on XX/XX/XXXX ( SEE ATTACHED TRACKING ). Well I never got a letter off validation of any kind after my requested which by law they are required to respond back within 30 days. If they report anything to my credit bureaus I will be seeking legal actions. I do know the FDCPA/FCRA Laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Comerica
State: KY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX I had 3 fraudulent charges on my XXXX XXXX card from XXXX XXXX XXXX the transactions took place in California., I live in Kentucky XXXX I called the XXXX XXXX XXXX and told them these were fraud. I called California state police they said call the Kentucky police. I did they said call California. The transactions started about XXXX XXXX central time on XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> 
XXXX XXXX XXXX store XXXX {$810.00}, XXXX XXXX XXXX store XXXX {$340.00}, XXXX XXXX XXXX store XXXX {$87.00}. I called the stores they said the purchase was suspicious. I informed the stores they were fraud. My card and Pin have never been out of my possession. On XXXX I immediately called XXXX XXXX to inform of the charges, they canceled the card and gave me a new card and instructed me to destroy the old card and I did. I was not able to file a Reg E claim on this date. I could not get thru to level 2. Since this has happened I have called over 50 times to make a Reg E claim. The bank  is refusing to allow me to make a Reg E claim. They level one operator tells me each time I will have to speak with the level 2 operator. I told them not to transfer me to level 2 until they could get a human on the line from level 2. I told the level one operator I  need to file a Reg E claim and get provisional credit they say talk to level 2. I have called every day since XXXX I have a call log upon request. I did get thru to a level 2 person one day and she said her computer was down and I would have to call back. The bank is refusing to let me make a Reg E claim. I have not been given provisional credit for the fraud charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-24
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$2300.00} -This is not my account.

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 2020-09-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX ; Experian and XXXX should not be reporting a chargeoff on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has already gone to judgment and I am making payments. I have attached paperwork for reference regarding this account. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus 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 2017-09-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Because of the Equifax hack, I attempted to contact Equifax to inquire about freezing my account. Multiple telephone calls ( at various times of the day ), left me on hold for over 20 minutes or more. On one call I waited over 40 minutes and no one answered my call. I emailed Equifax on XX/XX/XXXX to find out if my account was frozen or how to freeze it. I also inquired ( XX/XX/XXXX ), regarding an error code when I attempted to complete the process to get their credit monitoring started. 
At this point I do not know if the credit monitoring offered by Equifax is active. When I tried to freeze my credit report with XXXX and XXXX I learned I would have to pay a fee. I 'm on social security and do n't have funds to purchase this type of service and do n't agree with the fact that I have to pay for an Equifax issue. 
I guess at this point I 'm at the mercy of Equifax as to how to protect my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 month after escrow analysis was completed on my account, my next 3 month bills were billed an additional {$5.00} with no indication of where the increase amount came from on any statements.     I called cust omer service and spent over an hour and a half on the phone trying to figure out WHY I was charged this additional amount. The agent continued to claim she could n't find any reason but her and manager thought it was probably related to PMI being removed and hazard insurance decreasing ( which did not explain the increase in my bill nor why the increase happened AFTER escrow analysis ). After speaking with escrow dept, my customer service agent finally reported that there was " a glitch in our escrow system that affected many other accounts as well. '' Nationstar 's clients who were affected by this " glitch '' need to be made aware and refunded ASAP. It has been 3 months since the " glitch '' with no correction nor refund issued from Nationstar. The manager who was suppose to return my call never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
for 8 years i have been trying to get a proper rate and terms from my mortgage company. They are taking half my income when 31 % is really all they are allowed to take. i have  XXXX  loans the first loan is {$200000.00} with almost 10 % interest for 55 or 60 years no one really knows, and i have a second loan that i got at the same exact time for {$50000.00} that has almost 11 % interest for 30 years i was told.     I am now 3 months behind and  NationStar has still  done nonthing but tell me i signed the paperwork.     {$2400.00} is roughly my total payment every month and if you do the math that comes out to {$230000.00}, and all but {$3000.00} has gone toward interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Someone fraudulently used my information snd/ or the misleading information derived from XXXX breach. However, I have unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to the FCRA, these inquiries should be removed if not mines, nor have any agency provided me with any physical verification.

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 2021-05-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Trans Union and XXXX in the past to have them remove fraudulent inquiries on my report. I kept getting alerts that my credit file was pulled when I haven't been applying for credit. They are refusing to remove them and is advising me to contact each individual companies to have them removed. That is not my job and is time consuming I think I have some identity theft that they are trying to cover up or credit inquiries that were reinserted after deletion. 

Inquiries - XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX - XX/XX/XXXX XXXX   XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: EQUIFAX, INC.
State: WA
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX and XXXX XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent Experian a letter on XX/XX/2020 and XX/XX/2020 requesting that a 90 day late payment be removed from my XXXX Account as I was never late. The payment history shows a positive payment made the month before the 90 day late payment therefore, there is no way I could be 90 days late the next month. On XX/XX/2020 I received a letter from Experian stating that they will no longer investigate this information. How could this be when I never asked for an investigation. I simply asked that my payment history reflects accurately and to remove the negative late payment.

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 2017-05-18
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have paid for mortgage modification in   XXXX    2016.  My grandmother passed away at the end of   XXXX    in 2016 we   were approved for modification and started our trial payments   XXXX    2016 with s uccessfully completed  the trail w e receive the final modification documents in  XXXX  however they were in my grandmother 's name. I am there I am the executor of her estate and I called nation star mortgage to find out how to sign the documents they told me to sign them as my name, executor now they 're explaining that I 'm not able to do that and I have to reapply I reapplied on   XXXX   XXXX   and they still have no decision they have not acknowledged my application for modification they have not canceled the existing modification and now my mortgage  is five months b ehind they will not except  one pa yment and I need some assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Student Loan Debt Agency
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was on a payment plan, paying on time every month. My refund was snatched from me XX/XX/2018 without me knowing I was never sent out a letter or told that my income would be garnished. I called the bureau of fiscal services, and was told my offset was ok and I was ok to file my taxes for the year. Well, I file and student loans took my entire refund and didn't sent me out any letters, e-mails, or phone call. I am a single mother of XXXX, I am about to be evicted, cars repossessed, ect. I need immediate help Please and thank you.

Company response to consumer: Untimely response