BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-18
Company: EQUIFAX, 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:
I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, Equifax and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband died and I payed the principal of the mortgage off in XXXX to NationStarBank. In XXXX I received a call XXXXNationsStar Mortgage company stating I owed a payment and that the amount of {$710.00} plus a payment was past due for XXXX. I went on line and paid off the {$710.00} and made the payment of XXXX also. I then got a call the next day that there was a past due balance of {$45.00} XXXX that I did n't pay. I never missed a payment on my loan and I was told that it was an amount paid for my husband and my bankruptcy. The court claims no monies other than what we paid were made and the bankruptcy was dismissed before this loan modification. I called back the mortgage company and was told that it was paid to the attorney. The attorney said it was not and the Trustee also did n't receive the money. I contacted the mortgage company again and was told that the last payment was in XXXX. I gave them the receipt of the XXXX XXXX payment and was told that it was applied but I still owe them XXXX XXXX dollars. I then went to my bank to get financing for this and was turned down due to the bankruptcy. I was told that bills included in the bankruptcy were still showing due. I then contacted XXXX XXXX they agreed to lend me the money to pay this " balloon payment ''. The pay off showed a balance of {$160.00} principal plus the XXXX XXXX. I contacted Nations Star Bank the mortgage company as to where did the {$160.00} come from if I paid off the {$710.00} total principal. They did n't show that payment in XXXX. A manager said it was put into miscalanious funds and not applied to my account. I asked for them to show me where the {$45000.00} was paid to us or our creditors. They said it was a past due balance on our mortgage. I know this is not true because my husbands XXXX XXXX retirement benefits paid the mortgage every month before the bankruptcy and the trustee did n't miss any payments nor did I since it had been refinanced. They could not show me or tell me who received the money. Today I received another letter from the mortgage company which said you are past due on your payment. I am so frustrated. I have already paid for an apraisal on my house to receive a new mortgage to pay this off. I do n't believe I owe this money and think Nation Star bank has added someone elses loan to mine. I am a widow and I do not make enough money to pay NationStars high payment. That is why I am trying to get a loan. Nation Star keeps changing the payoff amounts. I do n't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts and inquiry deleted or updated. These are the items I demanding to be deleted immediately 1. Did not consent to unauthorized inquiry DEPT OF ED Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it 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 2020-10-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}.

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, XXXXtion 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.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -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 2016-05-23
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX/XXXX/XXXX Nationstar Mortgage XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank you for the copies of the loan modification. As you can see or should be able to see, this is only a copy of the XXXX Trail Period '' XXXX had put us on and then extended it for approximately a year or better. 
So the papers you sent me are not what I asked for or have been asking for. I am looking for the completed modification with all the documentation on how we went from a fixed 30 year interest of XXXX and why it increased to XXXX last XXXX, XXXX, and is going up to XXXX this XXXX XXXX. I know that this is still a relatively low interest rate, but going up 2 % is a hardship on us when my mom is on a fixed income of Social Security and my take home pay is less than when I started my job six years ago because of the increase in cost of my share of my portion of my health insurance. I know this is not your problem and that you really do n't care. My point is that by law I have a right to see these documents and I ca n't tell you the number of times I have called and requested them and you keep sending me a copy of the trial period and not the finalized modification. I want to see in writing please how it was decided that my interest rate would go up, the number of points that were added, how much was charged for doing the modification and if the balance of the difference between our regular mortgage payment and the trial modification was added back into the loan. We never received a copy of this and like any other financial institution if you are refinancing, having a closing or taking out a loan, all parties should see the documents and agree to the terms and conditions. Until I receive a copy of the documents, I can not agree to the increase to 4.75 %. 
I feel I have been very patient in this matter, but I am very frustrated. I have spoken to so many of your customer service representatives, the one I 'll never forget is the XXXX XXXX said it was none of my business on how the figures were arrived at. And the other XXXX was a written correspondence from Nationstar saying an audit was done on my file and everything checked out fine, but then why ca n't I get a copy of what I 'm looking for? I 'm wondering if anyone else has these issues or am I just the lucky XXXX. 
I hope the next correspondence I receive from you is what I am requesting. 
I have been trying to get a straight answer from you for years and since you have yet to supply me with the documents I am requesting, I feel you are hiding something like it 's a predatory loan. The only signature on file for us is the trial modification. We never signed thee final modification and that 's why we have n't received it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have fraudulent inquiries on my account that do not belong to 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 2022-10-11
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: Account status incorrect

Complaint:
Recently I filed an investigation on my credit report, which caused severe XXXX upon me, as I found inaccurate, incomplete, and questionable items that was not XXXX XXXX reporting accurately. I disputed the bridgecrest account with Transunion due to various inaccuracies and incompletions that were reported. After receiving a response that lacked the context that I requested. I called Transunion only to find that the creditor has now changed the permanently closed charge-off account status ( as of XX/XX/XXXX ) to open, and reported the date of last activity as XX/XX/XXXX! This creditor has also wiped the payment history reported. I fear the creditor is retaliating against my right to dispute and verify the account, and Transunion has not conducted a thorough investigation of this account and supports this illegal activity. This illegal reporting violation has caused a sudden XXXX point decrease in my credit score this month, as confirmed by a TransUnion rep on XX/XX/XXXX, this account should not have reported from the beginning, and the representative encouraged me to file a complaint for the deletion of this account, as no details that I requested in regards to the methods of the investigation was disclosed to me. Other reps refused to disclose what details were verified with the creditor. Transunion and the creditor has violated my rights in the other inaccurate ways ; inaccurate monthly payment amounts, inaccurate payment timelines, {$0.00} high balances, dates of last activity, account status. I have enclosed proofs of their inaccurate reporting as of the most recent credit files that I received via mail. I have also enclosed proofs of the recent fraudulent update that the creditor tried to report ; reflecting the now open status and wiped payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone applied for a credit card with my personal information with Capital One without my knowledge or consent and its identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nationstar Mortgage claims XXXX XXXX XXXX transferred servicing of loan number XXXX to them. Loan number had a XXXX balance when XXXX XXXX XXXX transferred it. However, Nationstar indicated the loan was greater than {$80000.00} past due when transferred. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Loan XXXX reinvestigation indicates the loan balances are XXXX, date closed XXXX. Notwithstanding, the loan history does n't show any delinquencies after XXXX. 

Therefore, XXXX/XXXX/XXXX, the loan balance was XXXX as well. There was no balance due when the loan was transferred to Nationstar. At the very least, Nationstar 's transfer loan data should be the same as their predecessor 's. 

I 've been disputing this collection since XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Early Warning Services, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had an online friend ( XXXX ) real name he told me was XXXX for 2 years that scammed me with a money flip scam over the internet. He was very persistent and kept telling me he had a really big job as a XXXX XXXX and he made XXXX every 2 weeks. He recently bought a house with a girlfriend and that's why he needed money for food. He first asked for XXXX he was giving me options and finally we settled through zelle using my XXXX  XXXX XXXX account he got really excited about zelle. I didn't think at the time why zelle but now I found out that zelle unlike XXXX has zero fraud protection. He then said this was my chance to make some big money so I should send as much as I can so then I sent XXXX. He said he would give me XXXX XXXX XXXX on Thursday. Then literally the next day he told me to be a good friend again and send him XXXX dollars so he could take a plane ticket to go see his girlfriend because her mom just had a XXXX XXXX and he wanted to be there for her. He said if I didn't help him with XXXX there was no way he would be able to pay me back but if I did give him the money I got get back XXXX so I thought about it and realized I was already XXXX dollars in with this guy 's scam and was scared because he threatened to not pay me back if I didn't comply so like an XXXX I did again. Right after he scammed me out the money he started avoiding me and blocked my phone number I tried a million times to explain to him that if he needed money he could've just told me and I would've helped him with what I could. But instead he decided to scam me out of all my money and now I feel like an XXXX thinking I could've made XXXX. I tried calling zelle and reporting what happened but they said they can't do anything about it. I tried telling them that I have proof of what he did and they know both or accounts and the proof coincides with the text messages but they want to treat the scam like its not a scam and I just decided to openly give all my money to someone I've never even met with or him using malicious tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
-Hello, my concern is my loan was transferred to Nations star XX/XX/2014 from XXXX , my loan was current at the time of transfer. The problem that i 'm currently having is Nation star continues to add extra fees with no fact onto my loan and this has increased my payment by over {$200.00} a month., when i ask them about it or to show me proof of this, then only send back the escrow analysis. I 'm sick of these lenders trying to get over on consumers. My Goal is to one day pay my mortgage pymt off not to pay for a CEO 's salary. This overage has been going on now for over 1yr without any break downs as to how they came up with this figure.. I have paid 3 times over XXXX that was included in my loan when XXXX had my loan I refuse to have this Happen with Nations Star.. I 'm a single parent trying to keep a stable home for my son and the extra fraudulent fees are keeping food from my table.. I would like a complete financial break down ( not an escrow analyze ) but a visual break down from the time N.S. purchased my loan from XXXX to current as to why you have added a shortage spread to my loan # XXXX. Why would I have a shortage Spread on a loan that 's current and was current when you purchased my loan from XXXX XX/XX/2014.. This complaint is for Nationstar and XXXX, There is no Shortage Spread Nationstar quit defrauding consumers!! I have reached out to Nationstar several times for an explanation but i only received the same Annual Escrow Account disclosure statement with no true fact.. HELP!!! PLEASE!!! 
Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Kriya Capital, LLC
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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:
Bank of America will not allow me to make payments online it will only allow phone call payments. I have ask them several times to fix this so I can make payments on my time and not during their business hours.

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 2021-11-03
Company: EQUIFAX, INC.
State: NJ
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 received a hard inquiry after applying for a credit card with XXXX on XX/XX/2020. I am a victim of identity theft and did not give permission for these assumed credit reporting agencies to have access to my information. Under 15 U.S. Code 1681n, " Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' Please have this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Please return my XXXXXXXX XXXX INSTALLMENT LOAN BACK TO REGULAR I DID NOT DISPUTE THIS ACCOUNT I REPEAT I DID NOT DISPUTE THIS ACCOUNT NOR DID I ASK YOU ALL TO DISPUTE OR INVESTIGATE IT THANK YOU

Company response to consumer: Closed with explanation