BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I worked out a loan modification with them. It was pay 3 payments on time, then they would put the rest at end of mortgage. I made all three payments. I talked to someone and they said yes you did and they were taking care of the rest thru a program they had. Then I got a call saying they needed my divorce paperwork because som6else might be on my title. Complete lies they told me. I have been divorced over 10 years and he's remarried. I was with another company first, whom I took my loan out with and they never needed that. My name is the only one on the title. Then they said yeah he isn't but still need divorce papers. I'm waiting for it in the mail but in the meantime they are foreclosing on me. I had to redo loan modification again. Waiting on reply. They don't like to tell the truth. One day late and they livk you out of paying even if you have a 10 day grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the three credit bureaus didnt make sure that was reporting 100 correct, fair and accurate. They didnt even preform the investigation. They sent me a generic template letter saying we applaud your attempts but we are not going to do the investigation because we think it didnt originate from you even though I sent all the proper documentation they require. It is like they just threw away my disputes.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate

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 2023-10-18
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: Public record information inaccurate

Complaint:
on or about XXXX of XXXX i sent a request to review investigate and correct inaccurate errors in my payment history for XXXX can you send the results of your investigation adjustments you made to correct the payments and escrow account

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 2023-10-19
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Morning, XXXX XXXX XXXX had that I owed a balance for the modem equipment that was returned. I contacted Prince-Parker to inform them of the return as they have just called me. I spoke with a representative that informed me that they will still report on my credit even after the return. I then informed her again they are attempting to collect on an account that no longer have a balance and XXXX XXXX XXXX will be contacting them as I just spoke with them. I also informed her that no only are they attempting to collect on a settled balance but they are illegally trying to collect in a state they are no licensed to collect in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar contacted us in writing last XX/XX/XXXXabout {$1200.00} in funds being placed in an " unapplied funds account '' and our need to pay {$410.00} to bring our account current. 
I spoke with XXXX XX/XX/XXXX an explained that the full payment should be posted to our mortgage balance. Our minimum payment was {$1600.00}, but we always pay extra principal with a payment of {$1900.00} per month. I explained to XXXX that all funds submitted by us should ALWAYS be applied to the mortgage balance, and were NEVER to be placed in unapplied funds again. 
Today we received a letter from mr. cooper, the new name for Nationstar. The letter states that {$400.00} has been placed in an unapplied funds account, and we need to send {$1100.00} to bering our account current. Our new minimum due is {$1500.00}. We paid the same {$1900.00} that we pay EVERY month. I suspect this ruse is intended to create mythical delinquencies for unsuspecting mortgage holders. I have not yet called to resolve the latest shenanigan, but I promised XXXX last year that I would report them to you if the nonsense happened again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
We received notice on XX/XX/22 that our XXXX credit card would no longer be serviced by XXXX XXXX XXXX, We were never notified of this change even though, looking on line, it was transferred to Comenity Bank on XX/XX/22. I was first aware of this when I tried to use my card and it was denied, Since I have excellent credit I started to investigate and couldn't get any information by trying to log into XXXX and couldn't. After several days of trying we received the notice from XXXX. I finally reached someone at Comenity where I was told I could log on and pay my bill. Since we NEVER received new cards that would be impossible because we have NO IDEA what the account is. This seems like a SCAM - what bank does business like this? In addition to Comenity bank, XXXX and XXXX should be accountable for explaining to their customers this XXXX up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Radius Global Solutions LLC
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Radius Global Solutions claims I owe an amount of {$190.00} to XXXX XXXX, this amount represents closing balance in checking account ending XXXX. As explained in prior CFPB complaint, this account was opened by XXXX XXXX, not myself, was not authorized. The account was used, had little activity including a debit card purchase from XXXX, item purchased was lost/stolen, sebt via XXXX wirh a forged signature. XXXX XXXX accepts forgery as true and correct, reversed temporary credit in amount of XXXX Radius Global referred account back to XXXX XXXX XXXX advised they would reach out in re, have not heard back.

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 2023-02-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have reached out on multiple occasions requesting that false and unvalidated information be removed from my credit report. These companies have failed to provide me documentation validating that these items are mine with a WET signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed or omitted as soon as possible. 
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 2023-10-19
Company: Self Financial Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company is in violation of the FCRA and Metro2 Compliance and reporting violation. 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information soley as to transactions or experiences between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from account # XXXX to my consumer report. Congress section 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are reporting this information to my consumer reports!

The reporting of excluded information pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) to a consumer report is Clear violation of Metro2 compliance! 

Now before you think to reply with validated, lets be clear I am not asking you to validate or verify anything so dont respond telling me that to waste my time. Further more 15 USC 1666b ( a ) ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was made aware that my personal information was stolen on a data breach, I've since been taking action with the bureaus to remove many things from my credit reports including over XXXX inquires, XXXX addresses, etc. This debt was found and I never received any information about it, the address it is under I never resided and I can't get it off my report because of this collector. I've disputed the debt two times now asking for verification or validation of such debt and I've yet to hear a word from this company. I asked to see the original signed contract, any agreement I had for them to post this on my report, anything and have received nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax is reporting this inaccurate account XXXX XXXX Account # XXXX and has been inaccurately reporting wrong information on my credit for years, they keep updating it with more inaccurate information and claiming they verified it. This account is 7 years old, how is it now reporting last payment {$100.00} dollars on XXXX of 2021, I keep requesting, the names and business addresses of each individual with whom verified the information, so that I may follow up. The date they contacted the individual furnishers of information. The method of communication they used to verify the information. But my request have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some debt collection are trying to collect money from me theyre called National Credit Systems . I have never signed any documents, contract, or even agree to pay anything from them. And it is hitting my credit very hard

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this XXXX XXXX XXXX : {$1900.00}.

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 2023-11-21
Company: EQUIFAX, 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'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: SC
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-08
Company: Experian Information Solutions Inc.
State: AZ
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 the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
Accounts below, have violated my rights 15 U.S.C.1681section 602 A States I have the right to privacy Accounts ; 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 15 U.S.C 1681 Section 604 A section 2 : It also states consumer reporting agency can not open an account without my written instructions 15 U.S.C. 1681 ( c ) ( a ) ( 5 ) Section states : No consumer reporting agency may 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 antidotes the report by more than 7 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 accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-12-08
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Urgent : Unjust Account Lockdown and Impending Tuition Deadline On XX/XX/2023, my account was inexplicably locked without any prior notice or apparent reason. This has put me in a precarious situation, especially given the imminent deadline for my XXXX XXXXXXXX  tuition fee payment. As an XXXX student, this payment is crucial for both my academic pursuits and maintaining my legal status in the United States. 

My total online savings balance, approximately {$51000.00}, is currently inaccessible due to the account lock. Despite numerous attempts to seek assistance from Marcus customer service, the responses received thus far have been unhelpful and lacking in clarity. 

Upon initially opening my account, I diligently provided my citizenship information and Social Security Number, as required. However, I am now being told that additional verification, such as a U.S. driver 's license or state notarized forms, is needed. I inquired about the sufficiency of my passport for verification, as your website indicates that any passport is an acceptable form of identification. Surprisingly, the customer service team has insisted on conducting further reviews and has denied the acceptability of my passport. 

The implications of this account lock are severe, as I am unable to fulfill my financial obligations for the approaching tuition deadline. My education, career, and overall life trajectory are at stake due to the hindrance caused by Marcus ' decision to lock my access to funds rightfully owned by me. 

If Marcus has a policy of not conducting business with non-U.S. citizens or international students, it should have been transparently communicated during the account opening process. Taking my money and subsequently locking my account without reasonable cause creates an appearance of fraudulent activity. 

I urgently request your immediate attention and resolution to unlock my account, allowing me to proceed with the necessary tuition payment. Your cooperation in swiftly addressing this matter is paramount to ensuring the continuity of my education and legal status in the United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: MECHANICS BANK
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account was charged off {$4.00}, XXXX and written off. {$4.00}, XXXX. This company is illegally reporting this account on my credit profile according to XXXX USC 1681s-2 ( a ) ( 1 ) ( a ) The IRS defines a charge off as gross or ordinary income. Income does not get reported on a consumer report.

Company response to consumer: Closed with explanation