BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As of todays date, XXXX / TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of I believe it was reporting in error. XXXXL XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}

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 2018-04-10
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called XXXX XXXX and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with Santander opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
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: Information belongs to someone else

Complaint:
This is the 2nd time I am filing an Identity theft Police Report. The first time was in XX/XX/XXXX, but I lost the report since it was a little while ago. At the time, I filed the report with an officer over the phone. Also, the accounts I am listing in this report had not appeared in my credit file at the time of my previous report. These accounts were just recently reported. There are a total of 3 accounts which includes 2 collections accounts and also 1 Inquiry. I have never authorized anyone to use my name or  personal information and I have never received any money, goods or services from any of these companies listed below. They are a result of Identity Theft. 
Account : Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Collections : Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX XXXX XXXX Account Number : XXXXXXXX Date Opened : XX/XX/XXXX Name : XXXX  Inquiry Date : XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
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:
XXXX XX/XX/XXXX i sent my affedavit to the credit bureaus and by XXXX XXXX i got a response that it was verified as mines. notices from transunion and XXXX. but i know under FCRA rules that investigation wasnt reasonable, and my affadavit was not forwarded to XXXX XXXX. so now XXXX vary confused as to what to do next. i cant be responsible for something thats not mines.

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 2019-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have asked Chase Bank REPEATEDLY not to let anyone into my account. I have asked them to block any merchant from taking funds. I get my direct deposit into this account and transfer it to another accounts. 

There have been over {$300.00} in fess this year alone!!! 
Recently, I had two {$35.00} fees for automatic purchases with one purchase under {$10.00}. Still I received a {$35.00} fee. Is a 300 % fee LEGAL. 

When Chase would not reverse these fees the next day, I asked for my account to be closed. I said I would pay whatever I owe them, it was over drafted, but not their usurious and excessive fees. 

After asking for a refund on fees, asking for my account to be closed, I get this statement ( attached ) that CHARGES me ANOTHER FEE for my account. I can not even use my account. I cant log into my account BUT CHASE IS STILL CHARGING ME FEES This had to STOP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar continues to deny my loan mod. For 28 months our firm has tried to modify XXXX XXXX XXXX 's Loan. They refuse to supply the negative NPV form which is the reason for the most recent denial. They have also listed his primary residence as a rental which is the cause of the is last denial as the unpaid principle balance is {$1000000.00}. This balance also prevents XXXX XXXX from obtaining a HAMP/Tier XXXX loan mod. The denial letter states his income at {$640.00} less that what was provided in documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: TSC Accounts Receivable Solutions
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 have made several efforts to resolve this matter directly with TSC Accounts Receivable Solutions. I have never done business with this company and there is no signed agreement with company bearing my signature. I am requesting the collection item be removed from my credit report, all three Credit bureaus and collection efforts stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm having an issue with CitiCards. When I make a payment for my statement balance in full, the last two times they have always requested/received TWO full statement balance payments from my bank. So,  I've had the same issue happen twice now. 
It happened once on XX/XX/XXXX. 
It just happened again today/yesterday. The payment is still processing/pending with my bank. 

So, inXX/XX/XXXX, I scheduled a payment for {$900.00}. It was scheduled at some point in advance of XX/XX/XXXX. On XX/XX/XXXX, my checking account with XXXX XXXX XXXX that was being used to pay the credit card bill is charged for {$900.00} TWICE. My credit card bill then starts to show a balance of NEGATIVE {$900.00}. I didn't think much of it at the time because I thought I may have scheduled two payments on the same day by accident and not checked the scheduled payments. I carried a negative balance on the card for a while and had no need to make a payment in XX/XX/XXXX. When the billing cycle payment due date came around in XX/XX/XXXX, I had a bill for {$91.00}. I used the mobile app to schedule payment XX/XX/XXXX. I checked it to confirm there was only ONE  listed scheduled payment. That was all I ever saw. I received an email from Citi cards telling me that my payment was received and then I saw something showing I had a NEGATIVE balance again. 

I contacted CitiCards today through their chat platform. The person was helpful, but I have no sense of this actually being resolved. I contacted my bank, XXXX XXXX XXXX, to confirm it wasn't on their end. They said they received two  authorizations in XX/XX/XXXX and there are two more coming in for this recent instance. XXXX XXXX XXXX offered to put in fraud claims for any/all of the charges, but I elected to not pursue that at this time because I don't want " block '' myself from paying my own credit card bill. I was concerned that would lead to late fees or interest fees with Citi that I would have to discuss with them. 

I requested that I receive an email or phone call of some kind to verify that this is taken care of. It seemed as though they will apply this information to my account, but I have no idea if anything will change. I just wanted to get this out there because if people are carrying a relatively low checking account balance, this DOUBLE billing practice may result in fees from their bank or wherever they are drawing from to pay their credit card.

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 2021-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is a formal dispute and request to remove late payments from my credit report.The information is incorrect, untrue, and the laws pertaining to furnishers reporting late payments is quite clear.I have outlined it below : Section 623 ( A ) ( 7 ) requires a financial institution that regularly reports negative information to nationwide CRAs to provide one clear and conspicuous written notice of that practice to consumers, no later than 30 days after first reporting such information.My research has found this notice is typically found on monthly statements, however : 15 U.S.Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( 7 ) Negative Information ( E ) Use of notice without submitting negative information. No provision of this paragraph shall be construed as requiring a financial institution that has provided a customer with a notice described in subparagraph ( A ) to furnish negative information about the customer to a consumer reporting agency. 

Additionally, FTC Advisory opinion to XXXX ( XXXX ) states : Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information. A person who regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

As you can see the law and FTC opinion state that you, the furnisher, are Not legally bound to report any negative information. Please refrain from continuing to report the late payments on my credit reports. The account is current, and thus, you have a duty to correct and update the negative reporting of the late payments.

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 2021-04-02
Company: EQUIFAX, INC.
State: CA
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:
There is one account on my credit report and multiple inquiries that do not belong to me I have been disputing these since last year with the credit bureaus and have received absolutely nothing back I need these taken care of since they are not mine and should not be on my credit!!!! 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Inquiries Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX  Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX  XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Called on XX/XX/XXXX, waited on hold for 90 minutes and then was hung up on. Filed an online form on XX/XX/XXXX, never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Planet Home Lending disables the ability to make a payment online when your over 30 days late. I have tried to contact them to make payment arrangements but they refuse to accept my XX/XX/XXXX payment without setting up a payment for XX/XX/XXXX which I understand is due, however, it's not even past my grace period for a late fee. I've tried several times to talk to their Loan Counseling department without any success. I finally gave in & agreed to a payment plan ( TOLD THEM SEVERAL TIMES, I DID NOT WANT ANY TYPE OF MOD, PAYMENT PLAN OR ANYTHING SIMILAR ) which is spreading my XX/XX/XXXX payment over 3 months, thus giving me a monthly payment for the next 3 months in the amount of {$3300.00}, which is {$820.00} EXTRA per month for the next 3 months ( and will still be reporting to my credit as being 30-59 days delinquent ) when I'm already struggling to make my regular {$2400.00} payment, so we know how this is going to end. My $ XXXX monthly payment includes {$350.00} extra for escrow arrears which should have ended already but they're still charging me the same amount. I asked to speak to a manager, thinking maybe they'd be more knowledgeable and helpful but the representative ( XXXX, employee ID # XXXX in Connecticut ) stated her supervisor was at lunch & the supervisor in Florida was not available, she did offer to have someone call me back, which I'm still waiting for. 
I fell behind on my mortgage payment due to having emergency XXXX in XX/XX/XXXX and having to on temporary leave from my job. I've been trying to make my XX/XX/XXXX payment which is over 30 days past due, but, have not been able to make it due to Planet Home Lending refusing to take my XX/XX/XXXX payment unless I schedule my XX/XX/XXXX payment as well. I told them I have plans to make my XX/XX/XXXX payment XX/XX/XXXX but did not want to schedule because I want to make sure the funds are actually in my account on that day as I have fallen behind on other bills. 
Planet Home Lending does not make it easy for borrowers to make their payments. Their system is always down, my account is almost always locked & if you try to call them their representatives are always " assisting other customers ''. I need Planet Home Lending to complete an escrow analysis on my account so that the extra {$350.00} " arrears '' can be removed from my required monthly payment. 
I can not wait until I'm able to refinance to leave Planet Home Lending as it is the WORST mortgage company to have your mortgage serviced by.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
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:
XXXX XXXX ran a credit report for a loan without my consent, never the loan results was consulted with me, and I was not interested in any of their stuck vehicle. This wil result in lowering my credit score. Was informed by 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 2023-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 XXXX XXXX, 2023, I contacted XXXX INFORMATION SERVICES to dispute inaccurate items appearing on my personal credit report. There was no action taken on my dispute and I have yet to receive a response. Therefore, since 30 days has passed with no response- these inaccuracies must be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: Experian Information Solutions 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 second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$510.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance XXXX {$510.00} XXXX XXXX Balance : {$480.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ( Original Creditor XXXX XXXX ) XXXX Balance : {$1000.00} 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 XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$500.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} 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 2018-04-10
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received a notice alert from the credit bureaus that a collection was added to my credit report. I called Midwest Recovery and they informed me it was for a repossessed car, the issue is i have never had a vehicle repossessed or a collection before. They informed me that this was from a loan with XXXX opened on XX/XX/XXXX and closed XX/XX/XXXX, a few issues with this 1. Never mine and this was a result of ID theft i have attached the FTC affidavit and Police report 2. This was reported to credit but i was never given a notice or dunning letter to dispute before placing on credit. 3. If this debt is in fact a valid debt this is past statute of limitations of 6 years from last payment date again making not a valid account for collections.

Company response to consumer: Closed with explanation