BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with Mr. Cooper. This mortgage was sold to Mr. Cooper by XXXX XXXX XXXX during the great recession without my permission. 

There are three issues with Mr. Cooper that I currently have although I have had issues with them in the past regarding my escrow account.

Issue 1 - I contacted Mr. Cooper on XX/XX/XXXX to cancel my flood insurance thru XXXX and replace it with another policy that I had already paid for with equal if not better coverage. My flood insurance is paid thru their escrow department. I sent them a copy of the new policy with XXXX which showed paid in full. The XXXX Policy that I requested be cancelled had a renewal date of XX/XX/XXXX. They told me they had already sent a check to XXXX but would stop payment on it and replace it with the XXXX policy. I thought all was well until I received my escrow statement dated XX/XX/XXXX. After calling Mr. Cooper I found out that not only did they not stop payment on the XXXX flood insurance policy- ( verified by XXXX who never received a stop payment ) but they paid the XXXX policy also even though they had received the current policy showing paid by me. So they paid two flood insurance policies through my escrow. 
They want to continue to pay two policies and leave it up to me to figure out their mess. I did receive a refund from XXXX for the double payment but have yet to receive any credit for the cancelled XXXX policy. 
Issue 2- I have requested to have the escrow account removed from my mortgage several times with Mr. Cooper/Nationstar . The most current request was denied this month and their rep told me it was because I was 30 days late within the last year. I sent her a bank statement showing that I was in fact on time or early for at least the last 18 mos. ( and most likely for a lot longer ). She responded that her " system '' made a mistake- most likely a lie.

Issue 3- Mr. Cooper does not report my excellent payment history to the three credit bureaus which has the effect of holding me hostage to them. My mortgage is the only credit I have had so I don't show up in the bureaus and have been unable to get rid of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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:
The car was sold by the bank and the account is a charge off now, I never got the notices from the bank for how much they sold the car, Please send me the documentation to verify that information otherwise delete accoutn from my credit repor XXXX XXXX  Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: National Collection Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX was asked to verify a debt that they say I owe and XXXX XXXX University failed to and openly ignored my request to verify the debt. The institution failed to respond to the request within 30 days. After notifying them of this and their legal obligation to respond with such information and to alert the collection agency acting on behalf of them to the matter they removed the item from my XXXX   and XXXX report. However, as of XX/XX/2018, they have not done their due diligence of alerting the credit reporting agency and National Credit Management reported this unverified account to my XXXX   Report. XXXX University and National Credit Management, as acting on their behalf is in violation of FCRA and boldly continues to omit the law. Please see communications attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Netspend Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
A Netspend cardwas delivered to my house sometime in XXXX. Netspend is a legit company, but I did NOT ORDER this card. The account ( 16 digit number on the front of the card ) was associated with my name & email, but I refused to provide my SSN number. The representative told me ( when I called today, on XX/XX/2022 ) she could & would close the account AND prevent it from being opened without requiring my SSN, then recommended I contact the FTC. So, I need this reported as a fraudulent account that was opened. Fortunately, there has been NO unusual activity within my financial 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 2020-05-14
Company: EQUIFAX, INC.
State: NY
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:
fraudulent and incorrect accounts reporting on my credit report, I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
The credit bureaus are in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my 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 2019-11-18
Company: Bull City Financial Solutions, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have sent numerous letters to this collection company asking them for validation of this account with no response. They continuously report this information in all of my credit files with proper validation or response. They have not responded to my requests nor will they cease reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with collection agency name I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called Trans-union to Dispute Varies Inquires that appear to be on my Credit Report, i did advice that i appeared to be a victim of Their Inquiry issue, however the rep then denied to assist me.. 
XXXX - XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXXXX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 Also Mentioned that i have 3 medical Collections,  that have already been paid and has not been removed.. they mentioned it will take up to 60 days to be removed.. please assist me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
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: Account status incorrect

Complaint:
On or about XXXX XXXX XXXX - an auto loan I had was paid in full. The account from XXXX XXXX XXXX is still showing as ( i ) open and ( ii ) with a balance on my credit report. I disputed this information with Experian - to which they concluded the account and current status will remain on my credit report because " the company '' ( XXXX XXXX XXXX ) has confirmed the results. 

When I initiated the dispute, I provided a copy of the letter I received from XXXX XXXX XXXX stating " consider this notification that the above detailed account with XXXX XXXX XXXX ( XXXX ) effectively shows a XXXX balance as of XXXX XXXX XXXX  '' The letter showing the XXXX balance was not enough for Experian to either ( i ) update my credit file to show this account as having a XXXX balance or ( ii ) change this account from an open status to a closed status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-04-27
Company: Tri-State Adjustments, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I picked up a XXXX XXXX from XXXX XXXX in XXXX, Arizona. Before doing so, I called the company to find out how much it would cost. I was told of an upfront charge of {$90.00}, plus an estimated monthly rental of {$34.00} for 13 months. When the 13 months were up I would own the machine. 

A month later I received two EOBs from XXXX/XXXX for the machine. There was a surprise charge of {$330.00} that I was not told about. I called XXXX to find out why. They said they didn't know and to call XXXX XXXX. I called XXXX XXXX XXXX and was told they didn't understand the charge either. However, they assured me that since I was renting the machine, the charges would be spread out over 13 months. 

It was in XX/XX/XXXX that I learned the actual monthly charge was going to be $ XXXX/month, no where near the original {$34.00} estimate. Plus I still didn't know why I was being charged an additional {$330.00} upfront. I returned the machine in XX/XX/XXXX after renting it for about two months. 

Believing I was being overcharged, I called XXXX in XX/XX/XXXX for a review. I made follow up calls in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It wasn't  until the phone call in XX/XX/XXXX that I learned XXXX had taken no action to review the charges. Meanwhile, I had called XXXX XXXX twice that I was not paying the {$330.00} bill, plus two new bills of {$170.00} until the review was completed. They indicated there was no problem with that. Finally, in early XX/XX/XXXX, I received a letter from XXXX that the review was underway and it would take up to 60 days to complete. I believe a copy of that letter was sent to XXXX XXXX XXXX. 

This week I found that instead of waiting for the review to be completed, XXXX XXXX XXXX sent the bill to a collection agency. I received no warning about this and at no time did XXXX XXXX inform me there was a problem letting the review process run its course. Instead of paying the collection agency, I paid the bills using the XXXX XXXX XXXX online billing system. 

I'm angry that XXXX XXXX never told me it was going to sent the bill to a collection agency and that they did it to bypass the review process and force to me pay the full bill even though I may not owe all of it. I have since learned that using this tactic to collect on a disputed bill may be a violation of federal law. 

I'm asking the Bureau to fully investigate whether any laws or regulations were violated in this matter. 

Finally, I am not complaining about Tri-State Adjustments, the collection agency. I had one phone call with them so far and the representative was polite and respectful. Hopefully, I will have no reason to file a complaint about them.

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 2020-08-24
Company: Google Compare Credit Cards Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX Account - XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Illinois XXXX Phone : XXXX Google XXXX decided to terminate their business relationship with me and no longer allow me to make purchases using Google XXXX/Google XXXX. My account has a balance of {$6.00} in my Google XXXX/Google XXXX XXXX. Google is refusing to allow me to spend my funds I paid cash for, refusing to refund the Google XXXX card the  money was added from and refusing to issue me a refund to my bank. If a bank does not want to do business with me, they can not just take my legally earned money, they must give if back. Google is no exception. I am requesting Google refund my balance in aforementioned account, XXXX and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect information on my credit reports, Addresses are wrong.

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 2018-04-27
Company: EQUIFAX, INC.
State: CA
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:
My daughter opened a credit card account with XXXX XXXX XXXX XXXX XX/XX/XXXX and added me as an authorized used. I asked her to remove me and she did effective XX/XX/XXXX. She was 30+ days late on a payment XX/XX/XXXX. The account is showing up on my credit report, complete with delinquency as of XX/XX/XXXX. I have asked Equifax to remove this from my credit report as it is affecting my score and the delinquency is glaring!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: EQUIFAX, INC.
State: IN
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:
My name is XXXX XXXX and I am a armed service veteran. My identity was stolen between XXXX and XXXX. During which time fraudulent accounts were opened in my name by XXXX and XXXX XXXX XXXX on my Equifax account. I have attempted to address the issue but have been unsuccessful. Please see the attached document from the Federal Trade Commision. I need these items removed immediately as it is negatively effecting me economically.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26
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:
The purpose of this correspondence is to obtain your assistance with an alleged debt that XXXX XXXX XXXX is currently reporting on my TransUnion credit report. After discovering this debt, I disputed this with TransUnion. I also mailed, via Certified Mail, a validation letter to the collection agency that has since been returned to me with the status of forward expired, despite obtaining the collection agencys demographic information through by TransUnion credit report. I have been tracking this letter through the United States Postal Service tracking services ; the letter was returned to me on XX/XX/XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), TransUnion is required by federal law to verify- through the physical verification  of the original signed consumer contract of any and all accounts posted on my credit report. Transunion sent a letter stating that the account was verified. Since the certified letter I initially sent to the collection agency for validation was returned to me, I would like to know the method of which TransUnion is complying with federal law to verify this alleged debt. 

TransUnions failure to positively verify this account and the collection agencys refusal to respond to or accept the certified letter mailed to them regarding this alleged debt has interfered with my ability to obtain credit. According to federal law, this account must be verified or removed. 

Attached to this complaint, you will find : Copy of the validation letter sent to XXXX XXXX XXXX on XX/XX/XXXX Returned certified letter to XXXX XXXX XXXX SEALED ENVELOPE ( front and back ) I ask that you provide a resolution to this matter and compel XXXX XXXX XXXX to provide the information I have demanded in the validation letter or discontinue collection attempts/ negative reporting on my credit reports. 


This inaccurate, alleged debt has tarnished my credit and ability to obtain credit. Please know that I take this matter very seriously. 

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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX All inquiries from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I returned merchandise that I had purchased a few days before to XXXX  department store in XX/XX/XXXXWith the original sales recipient. at that time the money was Immediately credited back to my account. An hour later it was removed from my account. 
I contacted Santander immediately, and several times in an attempt resolve the unauthorized debt from my account. Contacted Santander and XXXX  on a three-way conversation. Ive made many attempts to get my money back. 
this matter needs to be resolved. I did not authorize XXXX  to pull {$120.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I lost my ATM card. As soon as I realized it was missing, I attempted to contact Bank of America through the mobile app. It wasnt working so then they called me. They told me that my account was frozen and under investigation because {$1500.00} was taken out and it was more money than had been in my account to start so it was overdrawn. I explained that I had lost my card and I asked them to review the ATM video tapes so they could see it was not me. I have filed a police report with the XXXX Police for theft and have been repeatedly in contact with Bank of America but they continually tell me that I need to pay the full amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief