BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: MD
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2018-07-01
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon the dispute I have about my mortgage company Mr. Cooper is I have deposited hundreds of dollars into my escrow account and every deposit with the exception of {$64.00} in XX/XX/XXXX has been applied to the principle of the loan. When calling the company 's employees keep going on about the company does not determine the escrow amount it is set by county taxes and insurance rates. I am well aware of the purpose of escrow. I just want the money I earmark for escrow to be applied to escrow not loan principal. Unfortunately I can not present any written communication with Mr. Cooper but the company does not provide customer service option of email. Every correspondence via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
All three bureaus Trans Union, XXXX and XXXX are reporting incorrectly on credit report. previously account was stating account status of derogatory by all three bureaus with a date opened of XX/XX/XXXX by TransUnion XXXX XXXX and XXXX reported XXXX XXXX. Account with stating as payment status of collection/Charge off and derogatory. reporting date of last payment of XX/XX/XXXX by Trans Union and XXXX while XXXX reported date last payment of XX/XX/XXXX, XXXX on the other hand payment history was reporting OK as agreed by XXXX XXXX XX/XX/XXXX all the way through XX/XX/XXXX while XXXX reported consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Making no sense with data reported on date of last payment dates do not make sense do not match. after I dispute it with all three bureaus for inaccuracies results came back still incorrectly. Data that was being reported on date of last payment has now been removed leaving nothing to show by all three bureaus. Payment history, XXXX deleted OK as agree and replaced it with consecutive charge of all the way. This is not acceptable and I do not tolerate this type of inaccuracies. Account is now reporting a account status of being closed by all three bureaus and XXXX and XXXX have have change the date open to XXXX XXXX, XXXX. Stating incorrect date last active. There is no way that all three bureaus can be correct if information is coming from the same furniture data.

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 2023-06-23
Company: EQUIFAX, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was offered a {$300.00} promo credit for adding a new checking account with Chase Bank. I used the promo link they provided which automatically applied the promo code ( XXXX XXXX XXXX XXXX ). The terms required setting up a direct deposit which I did. 

I created the account on XX/XX/2022 and the {$300.00} bonus was supposed to be added on XX/XX/2022. That never happened. I have called and spoken to Chase representatives on more than 5 occasions now. Each time they have promised a resolution and it had yet to happen. As of my last phone call on XX/XX/2022, Chase has claimed that no promo code was ever applied to my account. This is false.

It appears Chase is either intentionally attempting to defraud me, or their customer support in inept beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Leif Technologies Inc.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Several times, Leif has falsely claimed that I owe them money or that I am in breach of my contract. 
Neither is the case. I'll start with them trying to claim money from me. I signed an Income Share Agreement ( ISA ) with XXXX, a coding bootcamp based in XXXX, UT. The agreement presented to me was that I would not have to pay my {$12000.00} loan for the course until I found a job in a XXXX XXXX position earning at least {$40000.00} a year. That was in XXXX of XXXX. To this day, I still earn far less than {$40000.00}. However, that has not kept Leif, the financing company XXXX used for our ISA from trying to claim money from me. Earlier this year, they claimed that I owed them over {$600.00} for the month of XX/XX/XXXX because I supposedly earned more than {$3300.00}. This simply wasn't the case. I receive 2 paychecks a month on the XXXX and XXXX. However, if one of those dates falls on a weekend ( as did the first of XX/XX/XXXX ), I receive my paycheck the preceding Friday. So, I received my paycheck for XX/XX/XXXX on XX/XX/XXXX. Leif requires you upload your pay stubs to their site, and it should be obvious to them that I did not earn more in XXXX given that, one, I received my " 3rd '' paycheck on the last day of XXXX, and second, that I was only paid once in XXXX. I addressed this with them and they initially refused to amend my status, but conceded after some persistence, saying they'd make " an exception ''. They suggesed my employer, XXXX XXXX change their payroll policy to comply with Leif. 
The second issue I have with this is that they were willing to charge me as if I was earning {$40000.00} when it was clear from my annual tax report that I was earning close to half of that. 
Recently, the XXXX of XXXX, XXXX, Leif claimed that I was in breach of contract and would have to pay not just {$12000.00} as agreed, but {$24000.00} in full because, first, my pay stubs were not up to date, and second, I hadn't submitted a proper offer letter from XXXX XXXX. I have been working for XXXX XXXX for nearly 2 years, and as of today ( XX/XX/XXXX ) am completely up to date with all my pay stubs. Yet their site still says that I am not. As far as the offer letter goes, it should be obvious to Leif that I am working there since they have all my pay stubs from them. But that's not the problem. The contract I signed does not stipulate that they need an offer letter from my employer. It is my suspicion that they are simply looking for ways to take advantag of me in order to get whatever money they can from me. There was a similar pattern with XXXX trying to claim that certain non-technical jobs qualified for the ISA. I believe there have already been class-action lawsuits filed against both Leif and XXXX for these reasons.

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 2018-06-21
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Nationstar now Mr. Cooper and ever since they obtained the mortgage they want change the originals terms of my loan concerning home insurance. They have predatory practices regarding having to carry home insurance and are always looking to finds way to upcharge you more. I hate the fact that XXXX sold my loan to them. They are the worst!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
Experian Continues Report inaccurate information XXXX XXXX Account as late and closed when its actually open and never late Also XXXX XXXX was removed from my report as a result of identify theft and they continue to report it Experian continues to violate my rights under In accordance with the FAIR CREDIT REPORTING ACT Act this creditor has violated my Rights!

Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''.

Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose When I have provided proof over and over

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 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I. Introduction : I hereby submit a formal complaint against TransUnion for XXXX discrimination, retaliation, bank fraud, wire fraud, and violations of the RICO Act, infringing upon my rights under the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and other pertinent federal laws. III. Active Complaints with FBI, FTC, and CFPB : This grievance is not isolated. The FBI, FTC, and CFPB have active complaints regarding similar issues with TransUnion, highlighting a pattern of potentially illegal practices by the company. IV. Allegations of Bank Fraud, Wire Fraud, and RICO Violations : Bank Fraud : I have reasons to believe that TransUnion has knowingly engaged in deceptive practices to defraud banks or other financial institutions, which is a violation of 18 U.S.C. 1344. Wire Fraud : TransUnion is suspected of using interstate wire communications to defraud consumers, violating 18 U.S.C. 1343. Their actions have not only harmed my financial standing but have also illegally profited by using deceptive practices. RICO Violations : TransUnions actions suggest a pattern of racketeering activity. By accepting financial incentives for reporting, they may be in violation of the Racketeer Influenced and Corrupt Organizations ( RICO ) Act, specifically 18 U.S.C. 1961-1968. V. Racial Discrimination : TransUnion has not only failed to unlock my credit report despite numerous requests but also appears to be discriminating against me based on my race, violating the ECOA. VI. Retaliation : Their refusal to address previous complaints and unlock my credit report seems retaliatory for filing federal complaints, violating principles of fairness and justice. VII. Discrepancies with Other Credit Bureaus : Other credit bureaus, namely XXXX and XXXX, have adhered to federal laws by deleting inaccurate information from my credit reports. TransUnions refusal to do the same raises serious concerns about their practices. VIII. Legal Action : If these issues remain unaddressed, I intend to escalate this matter legally, seeking remedies for the harm inflicted upon me due to XXXX discrimination, bank fraud, wire fraud, and RICO violations. IX. Conclusion : I urge the CFPB and DOJ to investigate these serious allegations against TransUnion. Their practices have caused significant harm and warrant thorough examination and intervention by your esteemed agencies. I anticipate your prompt attention to this grave matter. TRANSUNION IS ONLY TREATING ME THIS WAY BECAUSE XXXX XXXX IGNORING MY REQUESTS AND DISREGARD FOR CONGRESSIONAL FINDINGS AND THE HNITED STATES CONSTITUTION ITS A XXXX DISGRACE AND IF SOMETHING IS NOT XXXX DONE ABOUT THIS IMMEDIATELY EXTREME MEASURES WILL BE TAKEN!

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 2023-08-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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:
Please delete these accounts and inquiries which I do not recognize and are affecting my credit : Inquiries XXXX : Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX Accounts Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Name : XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

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 2018-06-15
Company: NATIONSTAR MORTGAGE LLC
State: OK
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 could not make my XX/XX/XXXX payment, as I was in XXXX  school. When I called at the end of XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XXXX payment XX/XX/XXXX. I made my XXXX payment XX/XX/XXXX to ensure the XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, 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:
I would like to request that the following inaccurate items be investigated. These items are not correct and are having a negative effect on my score because of their derogatory information. The Fair Credit Reporting Act gives you 30 days to investigate these items. Please do so, and correct all negative information from my credit file. The items that need to be investigated are as follows : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: MD
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. ive checked my credit an noticed all information listed is reported illegally an fraudulent reporting that is hurting my credit file. this issue needs to be reviewed an corrected to help my credit file get clear. please review an remove the listed items asap to help clear my file asap.

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 2022-10-10
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX, ACCOUNT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, ACCOUNT # XXXX XXXX. 


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 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX Balance : {$9700.00} XXXX XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation