BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion Addresses : 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 XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Addresses : 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 XXXXXXXX Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XX/XX/XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer : 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 non-monetary relief
Consumer complaint received 2020-04-10
Company: Experian Information Solutions 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:
There are fraudulent items on my credit report from ID theft. The accounts are XXXX, XXXX XXXX, XXXX XXXX. Ive sent the company official police reports of the debts. The company will not remove the debt. Experian is always saying that the police report they can not read. I have sent the reports over 12 times and they are unblocking the fraudulent items putting it back on 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 2022-08-09
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX lost job due to XXXX  shutdown of business I worked for. 
Heard about various options for mortgage help Contacted lender ( US Bank ) for information Received correspondence from US Bank in XXXX XXXX regarding forbearance From that point on it has literally been a hamster wheel in action Each customer service rep who answers the phone has a different story, different requirements to proceed, has no idea what the previous representative has done, said, etc, etc. 
Keep getting letters and forms in mail, some with an identical date, but with totally different content. 
Contacted them in XX/XX/XXXX and told them I had returned to work, wanted to resume mortgage payments. Rep said not to make payments. I did, however send in some. Don't know what happened to them. 
XXXX, XXXX rec 'd letter that a foreclosure action has been initiated. 
XX/XX/XXXX rec 'd letter offering to enter into trial period plan under FHA Hamp combo modification. 
I have no idea what all this means, why the story changes weekly, and I need some help desperately. PLEASE HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-03
Company: CREDIT ACCEPTANCE CORPORATION
State: TN
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, Acct # XXXX, SSN XXXX discrepancies in the High Credit amount, showing XXXX for XXXX  Student Loans showing late payments during Month of Pandemic when it was decided by the FCRA that XXXX student loans payments would be suspended during those months. Acct # XXXX XXXX Acct # XXXX, showing derogatory when there is a XXXX balance Credit Acceptance Acct # XXXX, Auto Loan, showing collections with XXXX, balances are inaccurate. I was affected by the pandemic and did not have the means of making the payments. Natural disaster beyond my control XXXX XXXX XXXX XXXX, Acct # XXXX, inaccurate reporting on my report XXXX XXXX XXXX XXXX XXXX Acct # XXXX, inaccurately reported Inquiries that are bad and not authorized by 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 2022-08-09
Company: NAVY FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Account was opened in my name on XXXX of XX/XX/2021. Navy Federal Cr Union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed bankruptcy, I experienced a financial hardship due to XXXX, I lost my dad ( a veteran ) due to XXXX, and I was fired from my job. I applied for a forebearance, and I have explained that I am currently experiencing financial difficulties, but I want to keep the home and I am requesting a lower payment. They sent me a refinance, which INCREASED the monthly payment, increased the interest rate, increased the amount owed to be HIGHER than the original amount purchased in XXXX, and started the loan over to a new 30 year mortgage! I REFUSED to and agree and I told them this was predatory lending!! 

They then stated they would do a " partial claim '' for {$31000.00} and HUD would put a lien on the home and I would owe a " balloon payment '' at the end or the current mortgage, or if I sell them home. XXXX delivered the modification papers on Saturday, XX/XX/XXXX and the interest rate has still changed to 5.5 % ( which is higher than the original 4.25 % ), and it says the loan is now 40 years to XXXX, instead of XXXX which should be remaining and my loan ends in XXXX! My last mortgage statement shows the balance is {$160.00}, XXXX but this paper work says the new balance will be {$210.00}, XXXX!! I do not understand how and/or why they are changing these figures, but it seems like a scam or rip off and they are taking advantage of people due to a Pandemic and financial situations that are out of anyone 's control!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have waited over 45 days and still have not received a response yet, I feel like I am being taken advantage of and being ignored of the disputes I sent in. According to section 611 ( a ) FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THESE ITEMS FROM MY CREDIT REPORT. It has been over 45 days so they should be removed promptly. I demand these accounts be deleted from immediately or I will file litigation due to the stress of my livelihood you have all caused me. My information was also impacted by the Equifax Data Breach and may have got into the wrongs hands. Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Receivables Management Associates
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This was with XXXX debt to XXXX XXXX XXXX and I was sending checks to them for this debt and it was being sold to different debt collectors and I have another debt that was paid off and they were trying to collect from me again for the same thing the hospital has not notified that it was doing so and just doing it and its with several debts I had XXXX and I am paying slot of bills they are cashing my checks and still sending my stuff to debt collectors now they are messing with my credit I worked really hard to build

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: CURO Intermediate Holdings
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 received a credit alert from the credit bureaus that I have XXXX different loans in collections. I contacted the number listed in the info and it was a collection agency stating I took out XXXX different loans in XX/XX/2019. I dont understand how someone could get approved for XXXX loans, 5 days in a row. I asked if they could verify the account information the money was deposited to and they couldnt. I informed them I live in Georgia and this loan company doesnt offer loans in my state. I have no information regarding these loans. Ive never received any documentation or phone calls from the loan company nor collection agency. They told me to file a police report to dispute the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Glasser and Glasser, PLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have had a credit card from XXXX since XXXX. When I wasn't able to work in XXXX, due to a XXXX XXXX, and, not being able to collect any XXXX payment, I fell behind with my bills.Upon reporting my unemployment situation to XXXX, I was offered a payment plan option. I made payments until I wasn't able to continue to. Then my account was charged off for {$1500.00}, in XXXX. I contacted the lender about a potential settlement in early XXXX, I was told that my account was sold to third party. A collection law firm. Then I contacted that law firm, in an attempt to help me get rid of this debt. Instead of offering me an opportunity to settle the account representative who identified herself as XXXX, told that, " Either you pay this debt in full, or we'll sent a request for garnishment to your job ... '' I kept on calling for payment option, every time I called, I'm given a new higher payment amount. I was told that I have accumulating late fees, interests, service charges accrued, being level on me, every single day that the account goes unpaid. And the latest updated charge as of XX/XX/XXXX, and per representative XXXX, the current amount that I owe on the account, is {$170000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: CITIBANK, N.A.
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:
I have disputed this information with this creditor multiple times and they have not shown how they have verified this account. I have asked for original documentation XXXX a consumer contract with my signature on it. ) You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. They have continued to report this on my credit file without providing verification. If they can not produce these documents they need to be deleted immediately. This information is only being reported to XXXX bureau and has been deleted from other because they were not able to validate. The same thing needs to happen here.

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 2020-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
On XX/XX/XXXX, I received a notification that XXXX/WALMART was a new account on my consumer credit report. This account was previously deleted back in the year XXXX and I did not receive a notice from XXXX/WALMART that it will be re-inserted. Furthermore, this account does not belong to me as previously determined in XXXX. This reporting is in violation of the law where it states that I must receive written notification that the account will be re-inserted WITHIN 5 business days as per FCRA 611 ( a ) ( 5 ) ( B ). I did not get notified in writing as per the law. My credit is extremely important to me and I would like this account removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA and HIPAA violations. I have no knowledge of the fraudulent collection activities on my Equifax credit report. FTC Identity Theft Report No. : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
These are not my accounts. Please remove 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 2018-05-08
Company: CITIBANK, N.A.
State: PA
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 hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - XXXX XXXX  ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Card ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.

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 2018-05-08
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My problem with NMAC is they reporting negative information on my credit and they saying I am missing payments when I am not. 
I sent them a certified letter requesting information for my account but they never responded. I then contacted the XXXX XXXX for help they reply was they are correct and they will send the information to XXXX XXXX. But I never receive any information from NMAC. I contacted XXXX again reporting the outcome from their help. I have yet to hear from them again. 
I do have the right to have a paper statement and NMAC refuses to send to me. NMAC put my car into repro status why when they are stopping me from paying my car off! Here my email to XXXX   Dispute Resolution Associate XXXX Serving XXXX XXXX Texas XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Start With Trust -- -- -Original Message -- -- - From : XXXX XXXX [ XXXX : XXXX ] Sent : Friday, XX/XX/2018 XXXX XXXX  To : Complaints XXXX Subject : Unfair business Practices Complaint ID # : XXXX Business Name : Nissan Motor Acceptance Corporation I XXXX XXXX has not been made whole as of yet Nissan  still have not sent a letter explaining their actions but they did allow me to make payments on the website. I went on their website changed it to paper statements they have yet to send me a paper statement they still practicing unfair treatment to customer. I would like a itemized statement of my account whats so hard about that please in my reply to them my next step Im calling the federal trade commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Riverwalk Financial Corporation
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with DEVILLE MGMT ( Original Creditor : XXXX XXXX  ) and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DEVILLE MGMT ( Original Creditor : XXXX XXXX ) and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Untimely response
Consumer complaint received 2018-05-08
Company: DISCOVER BANK
State: PA
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 hard inquiries on my credit card file for things that I did not apply for and it is affecting my credit. 

XX/XX/XXXX - Discover Bank ( Hard Inquiry ) XX/XX/XXXX - XXXX ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX ( Hard Inquiry ) XX/XX/XXXX XXXX ( XXXX  XXXX XXXX XXXX ) XX/XX/XXXX - XXXX XXXX XXXX Hard Inquiry ) XX/XX/XXXX - XXXX Payments ( Hard Inquiry ) XX/XX/XXXX - XXXX XXXX XXXX ( Collection ) These companies have hard inquires all over my record and it is negatively effecting my credit score. This is ridiculous and these companies should be tarnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got a two-part in 2000 and loan one for one for {$1200.00} the other one for XXXX I received {$1200.00} but not the XXXX then I receive documents that stated XXXX was refunded and XXXX was paid out which doesn't make sense out of the {$870.00} I tried to call and resolve the matter with no satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I resided in XXXX XXXX Apartments and decided not to renew my lease. I gave XXXX XXXX a notice regarding my decision in a timely manner. On XX/XX/XXXX I completed my inspection satisfactorily and returned my keys. I did not pay XXXX 's rent however went to Magistrate court on XX/XX/XXXX. I spoke with a lawyer who represented XXXX XXXX and agreed I owed {$1100.00}. At this time, XXXX XXXX has forwarded my debt to Professional Debt Mediation.  Professional Debt Mediation is not a mediator, they work on behalf of XXXX XXXX. Professional Debt Mediation has placed a debt amount of {$1500.00} on my credit report. I have disputed the amount with XXXX XXXX, Professional Debt Mediation and the credit agencies. I would like to resolve this matter as soon as possible. I applied for an apartment and was denied due to my rental history. XXXX is the property manager for XXXX XXXX and refuses to contact the lawyer to retrieve the accurate amount owed. I want to pay {$1100.00} and this erroneous debt to be removed from all credit agencies involved.

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 2018-05-08
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am a victim of account takeover. The hackers created a chip based card and had a PIN to withdraw fund from ATMs. The perpetrators has also found a way to intercept my paper statement and send me modified statements so I would not see fraudulent activity. I only caught the activity because of fraudulent activity on another account from another bank so I checked all of my cards. Discover is holding me accountable solely because they were chip and PIN transactions. The police were not able find any proof of fraudulent activity because Discover took so long to respond. All video evidence of the activity was no longer available. I have filed a claim with the FTC for Identity theft. Report number XXXX. XXXX County Police report number is XXXX. The FTC suggested I contact you since I have taken all of the appropriate steps but have not have the correct outcome with Discover. 

I have evidence of all of the activity but am unable to upload since the scan is greater than 10MB

Company response to consumer: Closed with explanation