BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-10
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV 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 2019-07-13
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I got laid off from a previous employer and didnt have insurance. I am also a XXXX XXXX to XXXX daughters and havent had the money to pay off my medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion and XXXX did not do a thorough investigation on a bankruptcy being reported on my report. They refuse to investigate a previous dispute again stating they already verified the information with the courts. I sent them a letter from the bankruptcy court twice and the letter stated that they do not verify information with credit reporting agencies or 3rd parties as you will see with the attached documents. That was the first lie they told me. Then, they stated they verified it through XXXX. So, I called XXXX and they stated they have no record of a bankruptcy on my report. XXXX also sent me a copy of my report and it had no indication of a bankruptcy on my report. ( please see the attached document ) I also sent them a copy of a section of the report which showed no bankruptcy. Please help me fix this make them remove this information. I will attach what I sent them. 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 2022-08-05
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:
I just discovered a billing problem when I checked my credit record. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labeled past due. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2019 XX/XX/2019 XX/XX/2019 Had An insurance claim during the hurricanes, Had everything repaired and within the time needed 90 days. M and T bank and insurance company had communication issues which caused a 2 month delay of transfer at no time. M and T had been taking Penalties From my escrow and charging me on my bill. Theft!

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 2019-10-25
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have an issue with CASH APP I had a phone that was washed and I no longer have access to that phone number at the time at least {$25.00} was on my account in which I had not yet accepted, about a month later someone advised they sent me {$100.00} and I attempted to merge the accounts on XX/XX/XXXX I received an email from CASH app with instructions on how they would be able to merge my accounts when I provided detailed information, I did all of what was requested and have attempted at least 6 times to contact them again and no response ; I do not have access to my old information. 

The original Cash Tag was XXXX XXXXXXXX under phone number XXXX email XXXX card ending XXXX XXXX XX/XX/XXXX XXXX the new CAsh Tag XXXX XXXX & XXXX   XXXX because I have tried again under phone number XXXX all other information is the same. I sent several emails advising this and the senders aren't able to retrack their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage raised our monthly payment $ XXXX/mo. 
Our mortgage insurance was due to drop off XX/XX/2016. Instead of lowering our payment they jacked it up with the intent to force us into a refinance situation!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I have been disputing with transunion about a dismissed bankruptcy chapter XXXX that is showing up on my credit report i never filed this bk it doesnt belong to me someone else filed under my name as Ive been a victim of identity theft. I contacted XXXX XXXX and no bankruptcy is showing on their system I also contacted the Federal Bankruptcy and they stated they Never report any bankruptcy case to any credit reporting agency. I sent all documents to Transunion and said they have verified the bankruptcy with the courthouse which that is not true cause the Bankruptcy courthouse doesnt report to any credit reporting. Transunion is lying and is in violation of 15 USC 1611 and 16 CFR.

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 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
there is a person using my identity and this account and tried to fix it and it won't delete it I didn't take that money that's identity theft.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2016-12-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar XXXX XXXX XXXX and XXXX XXXX XXXX XXXX CA XXXX We started a short sale with Nationstar in XXXX 2016. We have a buyer who is willing and able to close the short sale. Nationstar has put this property through its in-house auction company that it owns, " XXXX '', two times, so that they can gain the 5 % fee they have named a 'Buyers Auction Premium '' fee. Both attempts by Nationstar to procure their own buyer have been unsuccessful. 

Since Nationstar was unable to procure their own buyer and thereby gain the additional 5 % auction charge, they have decided to simply not work on the short sale and instead take it back at the foreclosure auction - which is a month away. 

Nationstar is refusing to entertain the offer by the current buyer we have provided. This offer has not once been reviewed by Nationstar. They have decided this, even though they have ample time to review the offer we provided to them. 


Does the investor know that Nationstar is refusing to review an offer since it was not procured through the auction company that Nationstar owns?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
After my information was leaked in the XXXX data breach I've been a constent victom of fraud. Listed below is my FTC report listing all the fraudulent inquiries that were not authorized by me.please delete all inquiries, they're not authorized and are fraudulent. XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the XXXX XXXX XXXX ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries 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, has violated my rights. 


15 U.S.C 1681 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency make make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-12-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
There are anywhere from 30 to 40 loans listed with late payments on my credit report. My loan has gone from XXXX XXXX to Navient/XXXX XXXX XXXX and now, since I am a XXXX, XXXX will be managing my loan as part of the Public Service Loan Forgiveness Program. I no longer have any understanding or control of my credit or a signed contract to reference all that is happening to my credit as a result of my students loans completely overwhelming my credit profile and the poor servicer management of it ; however, the Fair Credit Reporting Act prorects me and allows me to know exactly why something is being reported on my credit. As a result, I am demanding that XXXX XXXX/Navient/XXXX XXXX XXXX send me VERIFIABLE PROOF as to every single late that is being reported on my credit profile. If this can not be provided, as afforded by the Fair Credit Reporting Act, every single loan on my profile must show as current. As a XXXX year old XXXX approaching an early retirement to care for my sick mother, I need this completed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2017-01-01
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Please see complaint # XXXX. As of today, XX/XX/XXXX, this issue has still not been resolved. The lien has still not been released. The mortgage company responded XX/XX/XXXX that the issue would be resolved in 15 days. Please assist me in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I went online to pay my monthly mortgage payment which is just principle and interest ( no escrow/impound account ). I was in shock to find the minimum payment amount was $ 4,000.00+. I called customer service and they told me I had an escrow advance for taxes. I told him that I don't have an escrow account. I told him I need to see some sort of statement and receipt but for now I'd like to pay my monthly payment. He processed it over the phone. Then XX/XX/XXXX I went online and was concerned when I saw an escrow advance every month starting in XX/XX/XXXX. In different amounts some the same amounts but they totaled to $ 50,000.00+.  At the same time I also noticed that my XX/XX/XXXX payment was not processed as my monthly principle and interest payment. Instead it was called a principle curtailment. I immediately called and told them that the payment transaction was wrong and I was told it was corrected. That following Monday XX/XX/XXXX I went online and it wasn't corrected but reversed in its entirety. They are a bunch cons trying to force me into foreclosure.

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 2023-02-09
Company: Lakeside Recovery Solutions
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/2023 - about XXXX - My mother received a phone call asking for my most recent address and telephone number from Lakeside Recovery. 

I called and immediately asked for verification of the debt- which they did not offer. The agent only continued to list addresses I have previously lived at and threatened me with a lawsuit and wage garnishment. The agent was also incredibly rude and said I would " owe him an apology '' when I had to call back and pay the debt. When I called the company they alleged I had an account with ( XXXX XXXX XXXX ) no one could verify the debt. 

I sent a cease and desist letter immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent, nor benefit or authorized any of the following accounts : Comenity Capital Bank - Account # XXXX - {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Account is showing late payments on my consumer report that were not late and according to 15 USC 1666b Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. attached is a copy of the law that indicates my consumer rights have been violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Saturday XX/XX/XXXX and Sunday XX/XX/XXXX trying to link my TD Bank Account to my XXXX XXXX cyber currency account and perform a test sell. The cyber currency needs to be liquid to be viable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Experian Information Solutions Inc.
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:
I recently reached out to the credit bureaus to Get them to verify my bankruptcy. my results came back verified but the court house do not share information with third parties like bureaus. The law states that they must verify with the original furnisher which is the court. The bureaus are in violation of the law and I demand this bankruptcy and bankruptcy accounts are deleted due to improper verification. I have enclosed documents showing that the courthouse doesn't share information with credit bureaus. I also put a freeze on my XXXX XXXX, which they stated they got the information from. Clearly another lie because I put a freeze on it and they are not the original furnisher of bankruptcy information. I know the laws and I'm prepared to exercise 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