BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-26
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: Account status incorrect

Complaint:
Transunion is in violation for not completing a complete investigation and verifying multiple accounts with the wrong date of status, wrong last payment date or wrong account update on the following accounts. 

XXXX- account is currently being reported as updated and verified even though account was disputed two months ago. last date of payment not reported, last account update not reported. This is inaccurate and a violation. Please delete from profile. 

XXXX XXXX- last reported update was in XX/XX/XXXX. Inaccurate reporting and a violation. Please delete from profile. 


XXXX XXXX XXXX- last payment date not currently being reported. A violation, as a result, account must be deleted. 


XXXX XXXX XXXX- reporting a credit limit of {$450.00} while debt buying XXXX XXXX XXXX reports past due balance of {$980.00}. this is inaccurate reporting and a violation. 

XXXX XXXX XXXX XXXX- currently reports a {$1600.00} credit limit while reporting a past due balance of {$3500.00}. Inaccurately being reported and is a violation. 

XXXX XXXX XXXX- is currently reporting as past due balance of {$380.00}, and last payment date of XX/XX/XXXX, inaccurate reporting and a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: AZ
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:
Due to my job requirements, I have regularly lived for various amounts of time in XXXX XXXX, XXXX, and XXXX, TX. While living in XXXX in the spring of XXXX, I was introduced to an attorney, XXXX XXXX, who was also know as " XXXX '', who billed himself as a collection attorney. I gave him some accounts to collect that belonged to a couple of my family members and myself. XXXX XXXX specialized in saving persons ' homes that were set to be foreclosed on, while not injuring their credit. What he would do is add the victims ' ( meaning me XXXX name to the title of the debtor 's home. Then XXXX would file a BK under the victim 's name ( again meaning me XXXX which would provide an automatic stay on any foreclosure for 6-12 months, allowing the borrower an indefinite time to stay in their house without paying a penny. He charged from $ XXXX {$10000.00} for this service. I discovered this had been done to me after a couple of months and immediately had the XXXX dismissed and filed the appropriate ID Theft documents with the Government and the Court. XXXX XXXX eventually went to prison. But since XXXX, I have suffered with having a BK on all of my credit reports and having to pay higher interests rates, etc. or being denied credit outright. I have disputed this regularly with the credit agencies and XXXX XXXX, but XXXX XXXX just keeps reporting to the credit agencies that it is valid. If I ca n't get any relief from this complaint, my next step will be filing a lawsuit for damages, and I have had many.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
By phone conversations we have tried to get the itemized list of care made. The initial bill was over {$1400.00} seen XXXX XXXX for few minutes not given any medications or nor procedures had XXXX XXXX so how come it was so much. Was not able to resolve with them made several attempts. Also we gave our CC information because we were told had to set up on auto pay to pay off before it could be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 2015-08-06
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
At the beginning of XX/XX/XXXX I was accepted to get a modification on my mortgage with Nationstar Mortgage in XXXX, Texas. I was to do XXXX trial payments starting in XXXX which I completed and got my modification. I got my final paperwork to sign and get notarized and send back to Nationstar. On my paperwork it stated that " Borrower promises to make monthly payments of {$700.00} starting on XXXX XXXX. '' I sent XX/XX/XXXX payment and then XX/XX/XXXX. The middle of XXXX I got call from the mortgage company that I needed to sign the paperwork again because they said did not have all the pages but this would not affect the modification. I did that. In the beginning of XXXX I received XXXX letters ( XXXX reg. mail and XXXX cert. mail ) stating that if I did not pay {$1100.00} by XXXX XXXX they were going to start foreclosure on my home. I called and asked what was going on. First they tell me that my monthly payment is not {$700.00} but is {$940.00}. I asked why it was not on my paperwork and they claim that they did not know what my escrow payment was. ( I did not believe that ). I asked why I was not notified and was told that because of my bankruptcy ( discharged in XX/XX/XXXX ) that by law they do n't have to send me monthly statements or call me to tell me what I owe. I asked how would I know what I owe then and they said I could call them! Why would I call them if my paperwork stated I was to pay {$700.00} every month?! When I call this company the agents can be very rude and everyone gives a different answer to the same question.If I call XXXX of of their loan specialist on their private number I never get them but get their voice mail and I leave a message and they never call back ( ever ). The foreclosure is in suspension now so I can try and get caught up but I feel this is their mistake not mine. I called the XXXX office in XXXX, Tx. and they have a F rating. I filed a complaint with them and also the Texas Mortgage Banking and Savings Lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account does not belong to me my wallet was stolen and these accounts were opened I have filed reports but these accounts are still showing on my report this is keeping me from getting a mortgage I have informed the company and all 3 credit bureaus of this multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Genesis FS Card Services, Inc.
State: ID
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 was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX  XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX A ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  ( XXXX XXXX XXXX ) Opened fraudulently XX/XX/XXXX XXXX XXXXXXXX Opened fraudulently XX/XX/XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX fraudulently XX/XX/XXXX XXXX XXXX - XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX  XXXX Opened fraudulently XX/XX/XXXX XXXX XXXX XXXX XXXX Opened fraudulently XX/XX/XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-28
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XX/XX/1988 ***_**_**** I can not Get Access to my credit report its Blocked by creditor, Equifax. I was told by fraud Department that its a block and I have to send a letter to remove it, I sent in letter twice to them no response or never seen it, I work Monday to Sunday and have no time for mistake that was made by them, Please remove The Block on my credit report and give me my fair chance at creating, this is causing me pain because of the wrong report there giving of me, please have the block on my Equifax removed immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
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: Information belongs to someone else

Complaint:
This account does not belong to me my wallet was stolen and these accounts were opened I have filed reports but these accounts are still showing on my report this is keeping me from getting a mortgage I have informed the company and all 3 credit bureaus of this multiple times

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 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 i was pitched a XXXX apartment in XXXX XXXX XXXX, XXXX. i was repeteadly lied to, manipulated, and most egregiously plied with liquor whilst surrounded by 4-5 individuals until i signed a contract which i then later tried to cancel. they refused, and turned it over to Collections where it has affected by being able to get a credit card.. the company that has this on my file is EXPERIAN.. i XXXX looking to have this charge removed please. thank you.

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 2021-08-19
Company: EQUIFAX, INC.
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 file a dispute with Equifax after many attempts to have a collection from XXXX. XXXX removed from my credit report. I have never had an account with XXXX XXXX. When asking for proof of the debt from Equifax as the reporting agency they failed to provide the proof and sent me a letter stating all unpaid collections say on reports for 7 years from date of delinquent. 

This violates all of my rights under the FCRA as well as breaking the law. Along with their unfair practices of not really doing an investigation. I shouldn't even have to take it this far but I will because I do not owe anyone {$80.00} and will not pay for someone's errors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Mortgage Research Center, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Dear Consumer Finance Protections Agency staff, I took a VA house loan with Veterans United Home Loan company. XXXX XXXX was my loan officer. The first thing he did without my authorization was to pull my credit scores. I addressed this with their client relations/XXXX  XXXX. She admitted that XXXX XXXX should have never pulled my credit scores and she listened to the phone recording between XXXX and me. 

The final thing that XXXX XXXX did was to change my APR and money that was due back to me at the closing of my house loan.

Ms. XXXX, an attorney, sent a letter ( XX/XX/2021 ) asking for an explanation of why XXXX XXXX took it upon himself to make financial decisions on my behalf, without my knowledge, and at the end of the closing. I had received an email on XX/XX/XXXX after XXXX XXXX  EST that my APR and money due back to me had changed. 

XXXX XXXX, who is a client relations manager responded back to Ms. XXXX with excuses and acknowledgment that the loan officer ( XXXX XXXX ) made decisions that impacted my loan, by email on XX/XX/2021. 

I asked for the higher APR of XXXX because it allowed me to receive money back at my closing. I was able to claim my VA house inspection, termite inspection, VA appraisal, and earnest money. This equated to {$1900.00} back to me upon closing per the terms I agreed upon. 

I never asked for a lower APR -- I understand how compound interest works and that I was going to make larger payments towards my loan principal. I did not need to buy a lower APR. I am educated on how compound interest works. 

In the end, I did not get back {$1900.00} due to me, I received {$1000.00}, instead of what was due to me at my closing. 

I would like this matter investigated. It is not feasibly economical to continue with legal counsel. I don't want this matter to ever happen to another person. I will supply all documents as needed to support my claim. Thank you. 

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 2018-02-04
Company: EQUIFAX, 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:
I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sold my home voluntarily XX/XX/XXXX. Nationstar accepted {$170000.00} XX/XX/XXXX. Nationstar collected $ {$6100.00} in interest but concealed that I only owed {$5500.00} and refused to refund me {$390.00} of {$590.00} over charged interest. Nationstar charged me {$1800.00} in unidentified corporate advances. In XXXX and XXXX of XXXX, Nationstar 7 and 13 months after the sale of my home, citing only {$1700.00} had been applied to unidentified corporate advances allegedly already disbursed by check numbers. Nationstar entered into an agreement with me in XXXX and XXXX, but failed to correct the interest paid only claiming I paid {$5900.00} not {$6100.00}, or the amount actually incurred under the payment schedule and note of {$5500.00} - and never disclosing any new activity with regard to the final payment allocation. 

XX/XX/XXXX, I received what is the ACTUAL final account history under the mortgage. Lines 89-94, 102 and 106 previously stated were " PMTS '' allocated but in XXXX Nationstar 's account history showed the payments as reversed leaving {$1800.00} currently being held in suspense without explanation, and leaving {$1500.00} in unidentified corporate advances outstanding without any payments applied causing the loan to be misrepresented as outstanding and causing my money from the sale of my home not applied to charges to be currently held by Nationstar, that Nationstar refuses through their Counsel to refund or re allocate the reversed payments. 

I believe this is a violation of Oklahoma Statutes Title 59 in concealment of the reversal of the final payment that was previously applied to advances and holding the amount without contractual or statutory rights. 

I believe this is a violation of 12 USC 2605kc1, in Nationstar and through Counsel 's refusal to refund the money and delete the unpaid unidentified corporate advances or simply reallocate the payments as previously applied as late as XX/XX/XXXX, and appearing to have occurred XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 filed a written dispute about fraudulent inquires with XXXX  and trans union I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. XXXX  did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.

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 2021-08-19
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021, XXXXXXXX XXXX XXXX XXXX authorized my XXXX XXXX card for {$170.00} as a hotel authorization at checkin. There were no charges to my account and I checked out of the hotel. The hotel advised me they had released the hold on my account. A week later, I contacted XXXX because my funds were still on hold. They advised me they held the funds " up to thirty ( 30 ) days '' for hotel authorizations. It is now XX/XX/2021 and it has been 30 days. My funds still have not been refunded to me yet the authorization no longer shows on my account when I login online. I have contacted Serve several times and they insist the funds will be " released today '' but that has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
This is my 8th 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, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$2000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$790.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2018-02-04
Company: Bread Financial Holdings, Inc.
State: CT
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:
My account was closed due to inactivity as my local stores in my vicinity had closed down & should not be a detriment to my credit score. My payments were always paid!

Company response to consumer: Closed with explanation