BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-09-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX/ XXXX i filled out a fraud affidavit for them, XXXX XXXXXXXX XXXX I filled out a fraud affidavit for them as well still reporting on my credit these are fraudulent open accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-24
Company: Tate and Kirlin Assoc
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/2020, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts are coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are removed from my credit report. Sometime between XX/XX/XXXX and XXXX, 2020, I received XXXX collection letters dated XX/XX/2020 ( same date on both ), trying to collect on the same alleged account with XXXX XXXX XXXX, the name of the XXXX collections are XXXX XXXX XXXX and TATE & KIRLIN ASSOCIATES , INC, the account that they are trying to collect on is part an issue with Identity Theft. By the way, can XXXX parties collect on an account at the very same time? ... Well, I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was denied home affordable modification, then they offered me a thing called cash for keys on my property. ( I ca n't be worried about losing the house when NationStar forced me out.All I want is my money back so that I can move forward and have a safe roof over my child and I heads. ) I found out XXXX years later, that my original lender was a predatory lender. My original lender back in year XX/XX/XXXX was XXXX XXXX XXXX XXXX. XXXX XXXX was in the process of modifying my loan ( so they say ). Next thing I know is I received papers in the mail saying that XXXX XXXX XXXX would pick up were XXXX XXXX was in modifying my loan. Then it was an on going cycle with XXXX XXXX XXXX til XXXX day I received another letter from Nationstar Mortgage. In my opinion, Nationstar was very rude and unprofessional. They say that they were going to modify the loan. But I caught them in plenty of lies. Nationstar does not communicate well with there staff. I have all of the documents and conversations written down concerning this entire matter all the way to XX/XX/XXXX, when I surrendered my keys to Nationstar for the cash for keys program. As you can see, at this point I got tired of their lies and foolishness. I hope to hear from you seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, {$7100.00} was fraudulently withdrawn from both my checking and savings accounts ( Bank of America ) in four separate transactions. {$1100.00} was withdrawn from my checking account, and three separate withdrawals of {$2000.00} each were withdrawn from my savings account. When I checked my mobile banking account the next day on XX/XX/XXXX, I had noticed this change and immediately submitted two claims, one for each account. I was told that these claims would take up to 60 business days to review.

Since then, as of XX/XX/XXXX, both claims have now been past their 60 business day limit, and throughout this entire time I would call once or twice a week to see if they had any updates. I am shocked to see how someone could fraudulently withdraw {$7100.00} from my account and not have any alerts go off. I have also filed a police report and added it to the claims, but no further updates have been received on my end. I was told that they would have the results of the review for me, but it has been radio silence on Bank of America 's end. This has been extremely frustrating for me, as they are taking so long to review my claims and I am short {$7100.00} dollars.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan was sold from XXXX XXXX XXXX to NationStar and I refinanced with the servicer shortly after transfer in response to several solicitations. With XXXX XXXX XXXX, I had bi-weekly mortgage payments automatically set to deduct from my checking account. Once transferred to NationStar, the service is not available to be honored - they utilize a XXXX party vendor ( XXXX XXXX ) however, they charge a {$290.00} set-up fee and a standard monthly service fee ( I 'm okay with their monthly service charge, as this is standard across most convenience payment platforms ) My concern is that the NationStar servicer discourages clients from making bi-weekly payments and their website only allows payments in full. NationStar directs clients to XXXX XXXX where the XXXX representatives advise that NationStar will RETURN any payments which are not for the full monthly amount due.

Company response to consumer: Closed
Consumer complaint received 2019-01-23
Company: Navient Solutions, LLC.
State: NC
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 had two loans that defaulted with Navient. Wen I called and asked them about the defaulted oans after they claim they had no defaults the girl said I had to write in for the info. I wrote a letter requesting the information about the dates. XXXX XXXX sent me a letter and stated they would not make a comment on this and that I had no loans defaulted through Navient, but thats not true. I had two loans they sent into default and are now collecting on them. I need the dates they sent the two loans into default. They will not respond to m, y request. I have called XXXX XXXX  with Navient several times but the person will not return my call. Since XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/2019 my Wal-Mart credit card was transferred to Capital One. I tried to set up an on-line account for the card. I was told an account already existed and the card was added to that account. I had a XXXX credit card from this bank that was transferred to a new bank but I did have an on-line Capital One account for the XXXX card when it was with Capital One so I assume this is the account they are referring to. I tried to access this account but can not access it because they do not recognize the Password and there is no way I can change the Password. I have spent hours on the phone trying to change the Password but the only way that can be done is if they can send a text to the phone number they have on file for my account and the only phone number they have in my account is my land-line phone. I do not have a smart phone. You can not send a text to a land-line They refuse to solve the problem with the Password and will not give me another way to change my Password even though they have my e-mail address in my file and constantly send me e-mails telling me to sign into my account to update my information ( and that is the way my other Credit Card accounts contact me when I need to change a Password ). I had Rewards at the time the card was moved to Capital One and have earned more Rewards since but I can not access them because they can only be accessed with an on-line account and my account is not available to me Capital One has now stopped showing my Rewards on my monthly statements and say I can only see them by going to www.Capitalone.com and signing into my account. The last time I contacted them I requested that the old account tied to the now closed XXXX credit card be eliminated so that I can open a new on-line account for the Wal Mart card but not only have they not done this they have now locked the account and want me to go through the same non-working process to change the password. Capital One and WalMart are not only guilty of false advertising when they say you earn up to 5 % in Rewards and then refuse to give you access to those Rewards but they have also stolen the Rewards that existed before Capital One took over the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had broken pipe in the XXXX floor bathroom, while away on vacation for 2 weeks. There was mold when we came back on XXXX XXXX 2015.We did not wait for insurance claim check and hired and paid in full licensed mold remediation company. The job was completed on XXXX XXXX 2015. Nationstar Mortgage received our endorsed claim check for mold remediation on XXXX XXXX 2015. It is a nightmare ever since. For the past 2 months I called to loss department XXXX times, every time they ask the same information over and over.After I sent to them Documents numerous time ( they can not read the signature, they do not see XXXX balance on contract, they lost my contract all together and can not find it XXXX they would say it will take 5 business days for resolution department to review my claim. The next time I call we would start again from square one with an other representative, who would start reading notes, etc. It seems nobody can do their job in Loss Drafts Department. They hold my claim check for Mold Remediation for 2 months. Every time I call they come up with something new. Today Rep by name XXXX XXXX read the notes again, and told me someone will call me back in 2 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
State: OK
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:
There are multiple accounts of the same collection reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My original complaint was submitted in XXXX, 2017. XXXX, after taking an additional 30 days to investigate, did nothing to resolve the dispute regarding a fraudulent account with XXXX XXXX XXXX. It was reported with several different addresses for this one account, which I never lived.

I have been denied credit and housing because of this negative item as previously complained in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Last XXXX or early XXXX I asked to have my account enrolled in the automatic payment program at Homebridge. I received a letter saying that it would start in the next few months but that I was responsible for my payments on time until it began. It was XXXX when several days into the month the money hadn't been taken out yet so I paid the bill. The money is due the XXXX. On XX/XX/XXXX Homebridge attempted to withdraw another mortgage payment from my bank account. This attempt was made even though my money had already been deposited and applied into my Homebridge account. When Homebridge attempted to with draw a second monthly payment there wasn't enough money in that account to withdraw so it bounced and I received an NSF of {$29.00} from my bank and {$25.00} from Homebridge. Homebridge attempted to withdraw the second mortgage payment for the month of XXXX for a third time on XX/XX/XXXX, after which I received another {$29.00} fee from my bank. XXXX, my bank, has a policy of only being able to return fees possibly charged in error for two items annually, which they already did for me this year in an unrelated matter. So although they felt strongly that charges should never have been attempted to have been withdrawn against my account and they were aware I had no part whatsoever in the creation of the withdrawals that caused the overdrafts they could not refund the {$58.00} because two withdrawals had in fact been attempted against my account that lacked the funds. 
I called and spoke with a supervisor who explained that a letter had been mailed out stating that the XXXX payment would be made automatically for me. I received the letter after I made the payment. He informed me that he could do nothing about my bank charges, but that he would reimburse the {$25.00} fee charged by Homebridge. It is now XXXX and the {$25.00} is still on my account. I am asking that my account be corrected and remove the {$25.00} fee charged. I am also asking that they reimburse me the {$58.00} charged by my bank for the NSF fees. 
I did try one more attempt to resolve the matter with Homebridge before coming here. I again waited 40 minute + on the phone, went through the whole story several times and was eventually given the email address  XXXX to send the appropriate paperwork to. Which I did. Only to find out its a bogus address. I am sure I have it right too, because she spelled it out letter by letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Experian Information Solutions 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b  ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL 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 2023-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive submitted this complaint 7 times CFPB & XXXXTRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXXTRANSUNION cred with FTC Fraudulent report support my position. It seems XXXXTRANSUNION are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical XXXX. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the accounts REMOVED per 605b with the attached documents again. Thank you 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