BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-25
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Between XX/XX/2023 and XXXX XXXX Credit acceptance has reported to the credit bureaus that my car loan increased by XXXX dollars by missing a payment that's clearly not the case resulting in my credit score dropping by XXXX points with XXXX  and XXXX XXXX My balance as of XX/XX/2023 should be XXXX decreased from XXXX. What caused this increase balance? Not certainly a missed payment like they're incorrectly reporting. If this issue is not resolved i will sue them in court.

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 2018-04-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage ( d/b/a Mr. Cooper ) has cashed all of our insurance checks we received for damage on our home from Hurricane Irma and from plumbing floods. Those checks total {$190000.00}. Nationstar has had the bulk of that money for 6 months, with another {$78000.00} in the last month. They have refused to disburse funds to us, except for {$37000.00} after we had already spent {$90000.00} of our funds. We submitted all the documents they asked for. We have been financing the repairs at 5.75 % using an equity line on another home. The loan to value ratio on the house is less than 50 %. The loan is approximately $ 300K and the value of the house is approximately {$660000.00}.

We have spent countless hours on the phone ( mostly on hold ) and have sent faxes and emails and have gotten no response. This is a deliberate plan to hold our money, even after the work is about 75 % complete. They sent an " inspector '' who spent 5 minutes, took a few photos, then demanded I sign a blank form as to the current status of the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion, XXXX and XXXX have NOT been accurately reporting my credit report. They are not reporting my XXXX XXXX Credit Card history of 13 years, 6 months

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 2018-04-05
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a call to Mr. Cooper about why my payment jumped {$36.00}, I was told it was because of a escrow shortage. I asked how I could bring my payment down and I was told if I paid {$170.00} ( the remaining amount of the shortage ) it would bring my payment down {$20.00}. I gave the go ahead on the payment with the understanding my new payment amount would be {$900.00}. Today ( XX/XX/XXXX ) I check and my payment is still at {$920.00}. I called Mr.Cooper to figure out what was going on, and was told that only a partially escrow shortage was paid. I asked how that could be when I was told it was all paid up in XX/XX/XXXX. The man that I was talking to repeated it was a shortage and that my payment of {$920.00} is not going to my escrow shortage 3 times then hung up on me right at XXXX ( CT ). I feel like I was taken advantage of and ripped off. I have never dealt with such a poor customer service department that refuses to help anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-10-02
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was not notified/informed about overdue balance of the account by the Original creditors ( XXXX XXXX XXXX Acct # XXXX ) I was notified 8 months ) later on XX/XX/23, XXXX XXXX by email to a email that I no longer use! And with the incorrect information of my residence on the header, if there was a notice Mailed I didn't receive it because the address is incorrect.I then received a phone call on XX/XX/23 by ( Columbia Debt Recovery LLC DBA ( GENESIS ) that I had no knowledge of the debt/balance that I was a Co-signer on and I had not had communication with the other party involved in which he started to be rude by telling me l would be responsible and could be sued for this debt which at that time I explain to him that I was informed by a family member that the other party involved was filling bankruptcy and I had no knowledge of this debt and I was not notified by the original creditors of the balance which I feel I should have been notified of before it went to Collections and given the opportunity to address this matter with the Original creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am a victim of identity theft please remove this fraud inquiry from 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 explanation
Consumer complaint received 2023-10-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a letter from XXXX XXXX ( I guess this is who XXXXXXXX XXXX uses for their department charge card ) alerting me to an unpaid amount that has been accruing late fees. I called XXXX XXXX XXXX to inquire about the charges since I had not purchased anything nor did I authorize any purchases. I was redirected from XXXX XXXX to XXXX 's fraud department. I spoke to the fraud department asking them when the charges were made, who signed for the charges, and XXXX 's could not provide any of this information. I informed them that I had not made any purchases in XX/XX/2023. The amounts XXXX 's has been quoting me that I owed was between {$200.00} and then {$400.00} ( I received no bill and no straight answer answer from XXXX 's ). When I asked the fraud department ( at XXXX ) how anyone can charge on an account if the department card is not present, they said, " all anyone has to do is call up an account number '' I then replied, " how does an employee confirm that the person making the charge is the same name on the license as the account. '' The employee at XXXX 's XXXX said, " We don't ask for any confirmation. '' I then asked, " what do you do to ensure protection of your customer? '' The XXXX rep 's reply, " nothing. '' I informed the XXXX XXXX XXXX department that I only purchase the same items twice a year and that if they look at my purchase profile, the fraudulent purchase are inconsistent. I also pay my any amounts I owe and I am never late. I explained to XXXX 's that these fraudulent charges sound like an employee made these purchases. The rep did not respond. The fraudulent charges were made at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX. I filed a police report and have been trying to get XXXX 's fraud department to respond and nothing thus far. I am seeking assistance.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a loan with XXXX XXXX I have always made my payments on time. For some reason, I realized that there was 30 days late payment on my credit report and I do not believe I was late on the dates they are reporting. I contacted them TransUnion times now & they claim this information is been verified but they have failed to provide me with any proof. This account should not be showing I was of 120 days late since it's a closed account & Ive never been late. Please investigate this matter & provide me with verifiable proof as I have seen none in the last 4 months of me disputing this issue. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}

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 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 






List of Account Review Inquiries that needs to be deleted from my credit file TRANSUNION XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX IN XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX via TRANSUNION 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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the account completely from my credit reports. 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 2018-04-02
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX my husband and I got a few months behind on our mortgage. 

Nationstar Mortgage allowed a large payment in XX/XX/XXXX and after that, consistently informed us we needed to pay the entire remaining amount due and that they could not accept partial amounts toward the balance owed.

In XX/XX/XXXX I contacted them and received an email on XX/XX/XXXX from  representative XXXX XXXX. She provided an amount and a deadline of XX/XX/XXXX to avoid foreclosure. I have the email and will attach it. 

However, when I called Nationstar for an overnight address a few days later, I was informed by the person on the phone that they had never heard of XXXX XXXX and that my account had, in fact, been sent to foreclosure prior to the receipt of XXXX 's email to me. 

Soon thereafter we received an eviction notice from our county. Because I had the amount needed, my husband and I applied for reinstatement, which we were able to accomplish and were able to keep our home. 

The issue I have with this entire process is that a Nationstar representative provided a payment amount and deadline IN WRITING and then Nationstar refused to honor this or even acknowledge that this individual worked for them. 

The reinstatement amount I had to pay included approximately {$2000.00} in attorney 's fees which I feel Nationstar ( now known as Mr. Cooper ) should reimburse to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XX/XX/2023 Hello, I have an American Airlines AAdvantage Mastercard ( Barclays ). 
The purpose was to earn award miles to help with travel cost. 
I have a son in XXXX and want to help him with holiday travel cost. 
They offer a gift or transfer option for the miles. 
I was going to gift XXXX miles to my son and guess what they want to charge me {$900.00}. 
So, I tried the transfer option surely, they wont charge me for the miles I already spent my money to earn. 
Wrong the want {$450.00} for this option. 
Not to mention the fact that the mileage ratio is a joke you need XXXX mile to fly XXXX way XXXX to 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 2023-09-18
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:
This is not accurate. 
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 2023-06-26
Company: EQUIFAX, INC.
State: FL
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 ( s ) Name ( s ) and Number ( s ) : Record type : Public Record : XXXX  XXXX bankruptcy dismissed ; Reference number : XXXX, Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, Account name : XXXX XXXX XXXX XXXX Account number XXXX XXXX, Account name : XXXX XXXX ; Account number : XXXX, Credit Bureau : XXXX Account Name : XXXX XXXX Account number XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Company report to dispute : XXXX XXXX Re : Dispute of Account Reporting Violations - Account Number : XXXX To Whom It May Concern, I am writing to dispute the information reported on my credit report regarding the account with account number XXXX. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), it is explicitly stated that a consumer reporting agency can not furnish an account without my written instruction.

Furthermore, I would like to bring to your attention the violation of 15 U.S.C. 1666b, which prohibits a creditor from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose without a valid reason. 

It has come to my attention that XXXX has reported inaccurate information regarding the account in question, which has had a detrimental impact on my credit score and financial well-being. I have not provided written authorization for this account to be reported, and there is no valid reason for the late payment designation. 

I kindly request that you investigate this matter promptly and correct the inaccuracies in my credit report by removing the account XXXX Please provide written confirmation of this dispute resolution, and ensure that any future reporting complies with federal regulations. 

Failure to rectify this situation may result in legal action to protect my rights under the FCRA. I trust that XXXX will address this matter promptly and efficiently, adhering to the legal requirements outlined in the FCRA. 

I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute. Please feel free to contact me at Phone Number XXXX or XXXX if you require any further information or clarification. 

Sincerely, 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 2023-12-15
Company: EQUIFAX, INC.
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:
In accordance with the fair Credit reporting act ( XXXX XXXXXXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX  Account # 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 an account without my written instructions! In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; My rights are being violated all these account numbers are also reporting incorrectly under. 15US code 1681 e ( b ) Accounts numbers : arent a 100 % accurate if the full account number is not reported and missing information.

Company response to consumer: In progress
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX was never late This needs to be corrected. Remove this from my credit report. Reported to Experian, XXXX, and XXXX. Please remove this 30 day late payment from all three reports, is it was never late

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-02
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:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I called the credit reporting agencies and let them know the inquiries in the document included below are not supposed to be on my report. I never gave them written consent to report 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 non-monetary relief