BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-01
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: Their investigation did not fix an error on your report

Complaint:
I did not ask for a security freeze to be put on my credit The problem is the verification/validation Transunion did not verify the XXXX XXXX collection account on my credit. XXXX is not a valid form of verification. XXXX XXXX is a third party collection agencies they do not have my full social security number. Identity theft is so easy especially through the hacking of computers. I have contacted XXXX XXXX with a validation letter and have not gotten a response so therefore I know you did not contact them verbally and speak with someone because I was told that the XXXX representatives are not allowed to call the creditors nor the collection agencies. I sent Transunion a method of verification form that was never filled out.. Once again XXXX is a web based automated system that Transunion use . That is not verifying this account. I will be contacting the president of Transunion XXXX XXXX XXXX if this account is not removed immediately. The account not verified nor validated are 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 2020-08-31
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper on XXXX through their computer system is claiming we do not have homeowner insurance coverage. This is incorrect. After waiting on the phone for a long time we we dropped once the first agent transferred us to the insurance team. We do have coverage and Mr. Cooper is in possession of policy documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: AMERICAN EXPRESS COMPANY
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: Old information reappears or never goes away

Complaint:
AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account number XXXX Date opened : XX/XX/XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Paid, Closed. <P/>AMEX has reported negatively on all four credit bureaus preventing me from obtaining any credit, since I filed a complaint against them with CFPB in XX/XX/XXXX. AMEX has already reported my {$0.00} balance on both accounts earlier this year, but never with a negative remark until now, as if my two accounts were active. XXXX, XXXX XXXX, and XXXX XXXX have confirmed they would not give me credit due to AMEX 's negative notes. I have their telephone numbers and they can confirm my statement is true.

<P/>
AMEX has reported to all four credit bureaus that I failed to pay them as of XX/XX/XXXX. It appears they are trying to keep these two, 15 year old charge offs as a current, surpassing the 7 year limit according to the FRCA by any illegal means possible. <P/>Both accounts have been closed and delinquent since XX/XX/XXXX, but they have reported this differently on my credit file, so they can have an affect on my credit surpassing 15+ years. <P/>The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. prepared by the Federal Trade Commission : this is the law that gives you access to your credit file, allows you to dispute errors on your credit report ( s ), and limits the reporting of negative information to 7 years ( 10 years if were talking bankruptcy more info here. ) AMEX has broken the FCRA! Please have them remove these two delinquent charges off from all four credit bureaus ( XXXX, XXXX, XXXX, and XXXX ). <P/>Please have AMEX remove both accounts off all four credit bureaus and send me a letter as conformation. <P/>Enclosed in my previous credit report from XX/XX/XXXX to XX/XX/XXXX, and please review the difference their recent negative notation reported on XX/XX/XXXX -- on all four credit bureaus. <P/>Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX Account # XXXX and XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX have violated my rights. 

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

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

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 2021-07-21
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
- Mortgage loan was originally with XXXX. Extra payment was made toward principal on XX/XX/21 in the amount of {$910.00} - Servicing of mortgage loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper from effective XX/XX/21. At time of transfer, principal balance was {$350000.00} and escrow balance was {$2700.00}. 
- During transfer, some money went " missing '' and Mr. Cooper determined that the principal balance was {$350000.00} and escrow balance was {$99.00}. 
- I worked with Mr. Cooper and XXXX to fix the escrow problem and that has been resolved. The principal balance is still incorrect - I continued to pay my mortgage as required. However, because Mr. Cooper initially started off with the wrong balance, they applied too little to my principal and too much to my interest in XXXX and XXXX. While they now seem to be back on track, they haven't gone back and corrected those attributions, so my principal balance is higher than it should be. 
- I have sent documentation of proof of my final balance with XXXX to several account managers at Mr. Cooper, as well as having several phone calls and email exchanges since the mortgage was transferred. The last individual that I spoke with ( XX/XX/XXXX ) finally understood what had happened, but the problem still has not been fixed. My attempts to communicate are now being ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. There are still remaining accounts that need to be removed from my credit report. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Late Close XXXX  XXXX XXXX {$0.00} Charge Off XXXX XXXX {$2900.00} XXXX XXXX XXXX {$700.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/2021 XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX {$1200.00} Date Opened : XX/XX/2021 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$2300.00}

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 non-monetary relief
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The current credit bureau hasnt verified any debts they claim I owe and its been more than 30 days.

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 2022-05-02
Company: EQUIFAX, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX, XXXX XXXXXXXX acct # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX, XXXX XXXX  acct # XXXX has violated my rights. 

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

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 2022-05-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello My Name is XXXX XXXX XXXX .Paypal Close My Account For No Reason. I checked there users agreement and there is nothing that I would have done and checking my activity I am no wrong even they close my account. In my account have over XXXX Usd .I earn money after hard working over 1 month. I lost my whole money. I try to contact to paypal customer service many time but didn't got any solution. I open my paypal account via this gmail id ( link with my paypal account ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found a late payments for these two dates : XXXX 2014, XXXX 2014 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX  and Transunion should not be reporting that I am ( 30 plus ) days late on the XXXX XXXX  partial account number XXXX. XXXX and Transunion should not be reporting that I am ( 60 plus ) days late on the XXXX partial account number XXXX ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.

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 2017-07-01
Company: ENCORE CAPITAL GROUP INC.
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I got a derogatory mark on my credit report for a loan that says I received a payday loan. I never received a payday loan from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My loans are serviced by Navient. They contact me relentlessly, and in a harassing manner on a daily basis. I have asked repeatedly about the CARES act and forbearance due to same. I am told that it does not apply to me, and put on a regular forbearance instead. My loan was " prior to 2010, so it isn't owned by the Department of Education. '' I don't understand that, and she couldn't explain it to where I could. She threatened me with credit reporting and ongoing late fees, etc. She talked me into another forbearance, because I wouldn't qualify for any " forgiveness '' that may happen. 

I don't understand why, if my loans are not owned by the Department of Education, they were not discharged in my bankruptcy i. I don't understand why they call me several times a day! It is frustrating and I am not sure what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 letter is in reference to the account listed on my credit report by XXXX. XXXX XXXX under account # XXXX. This account is being illegally reported on my credit report. I formally disputed it directly with in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the XXXX XXXX XXXX  and the Attorney Generals office, should you continue reporting this erroneous item. And if necessary I will pursue civil litigation.

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 2017-06-28
Company: AFNI 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: Account status incorrect

Complaint:
On XXXX XXXX, 2017 Afni responded to my complaint with the bbb saying they would delete their account from my credit reports. They deleted theit account from my XXXX credit report but have NOT on my XXXX report and XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a credit card from a company called  Swiss Colony on my  credit report, an account fro m   XXXX /2010.  This a ccount was not opened by myself, I had never heard of this company before this. I have repeated that over and over to them when the phone calls and collection letters started coming shortly after that date. I have disputed it with  XXXX  and   XXXX   all to no avail. I did receive a  XXXX  page letter fr om Swiss Colony asking for all na mes of who could of possibly opened the account in my name and then I was to have it notarized and mailed back. It could have been anyone. Where would I even begin? an ex boyfriend?  XXXX  of my  XXXX    XXXX   XXXX    sisters? The nasty neighbor  XXXX  doors down who doesnt like  XXXX  or dogs? I have  XXXX  dogs. They wont tell me if they have my signature for whatever was allegedly sent. I am trying desperately to clean up my credit so that I can purchase the home I have rented for almost 11 years and is now for sale due to land lords passing. I want this ridiculous nightmare over by having this removed from all  XXXX  credit reporting agencies. I will state again, this is not my account!

Company response to consumer: Untimely response
Consumer complaint received 2017-07-01
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I am using the app   XXXX   XXXX   which is suppose to connect to my bank. It connected when I first started but it wo n't show the updated amount in my bank account now. I made {$95.00} on the app   XXXX   XXXX   and was allowed to cash out but it is not showing the correct amount before the {$95.00}. I use PNC bank which is usually pretty reliable not sure if its an issue on their end or   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: LEXISNEXIS
State: GA
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 complaint is against Lexis Nexis, on or around XX/XX/19 I received information that this company is reporting a bankruptcy record to bureaus. I contacted the company on XX/XX/19 with my concern and was responded to by XXXX on XX/XX/19 advising that there is no such record, which I found odd because they have been the ones reporting it. I also advised that I reached out to the courthouse in XXXX and they advised that they do not report nor verify public records to third parties ; and I was confused as to where it came from, he advised they would dispute the information and send me an updated report. Fast forward to XX/XX/19 I receive two packets from Lexis Nexis concerning the investigation in question over 300 pages and to my surprise all of the information well 90 % of it belongs to my XXXX sister, they have transposed so much data its ridiculous. I placed another call to lexis nexis and spoke to a young man who had no sense of customer service and not even understanding my frustration. I dispute information on my report as inaccurate and your defense is to send me a letter stating that the information has been verified, with a report of over 100 pages of inaccuracies. I have tried to remain calm and allow them to fix this error, not even knowing that my whole file with them is an error that they are reporting as if it is factual. I have the email from XXXX telling me how he searched the records and there is no public records for me, provided him with information as to how the courts do not provide that information to any third party so for them to have it or to get it from someone else is a complete falsification, I went down with my ID and wasn't able to get anything because there is no public record belonging to me, then they add an additional bankruptcy in Florida that belongs to my XXXX sister, her addresses, her professional licenses, her inquiries, I am not a registered nurse nor am I a nursing assistant never have been either. Something needs to be done about this I can only imagine the amount of people they are providing inaccurate information on. They may not care but my score is important to me as well as the information that plays a factor in said score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GU
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:
In accordance with the Fair Credit Reporting Act XXXX accounts have violated my rights. Credit bureaus stated my account investigation was completed, however that is incorrect due to open dates inaccurate, last date active is inaccurate, information on accounts is generally not being monitored correctly and inaccurate which makes this grounds for removal. My rights have also been violated under U.S.C stated below : 15 U.S.C. 1681 Section 602 A ( States I have the right to privacy ) 15 U.S.C. 1681 Section 602 A Section 2 ( States a consumer reporting agency can not furnish an account without my written instructions )

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