BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since my mortgage was sold to NationStar in XX/XX/XXXX, I've had multiple problems with the way that they have serviced my loan and mis-managed my escrow account. 

In XX/XX/XXXX, I made two large principle payments and gave specific instructions that I did NOT want to pay off my loan until mid-XXXX. Against my instructions, NationStar paid off my loan using escrow funds and refused to send my XXXX real estate tax payment to my county.

Since then I have been begging for a final statement of my mortgage and escrow accounts but NationStar has steadfastly refused to provide either of those documents, even after I filed a complaint with CFPB. CFPB closed my complaint without resolution. 
In XX/XX/XXXX, Nationstar finally admitted that they had botched the posting of several payments and sent me a check for {$710.00}, yet, they continue to refuse to provide any explanation of how they arrived at that amount, how my payments were applied, or how much interest I paid in XXXX. They have also refused to pay interest on the funds that were kept from me for over 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Previous case # XXXX typo please re open there response invalid I provided you a pis scan of my report reflecting on my XXXX Report Plusfour admitted they are resending validation I have already tried to resolve the contact and address on report Im not valid even the address No company at that address as well invalid phone number XXXX NON WORKING NUMBER

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 2022-12-01
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022 I sent a letter to Transworld Systems Inc. asking that they send me written verification that I owed them a debt that they claim I owe. I asked for a written signature that said that I owed them the amount they said that I owed. 

On XX/XX/2022 I received a letter from Transworld Systems with a letter stated that they had reported my debt as " in dispute '' to the credit reporting agencies. Furthermore they failed to provide me with the proper documentation that I asked for instead I was provided with a lease agreement from who they are claiming is the original creditor this is not proper validation nor what I outlined in my dispute letter. Lastly they have refused to remove the item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Through the Experian website, they show my credit score as XXXX with only one derogatory item, a medical bill for {$170.00} from several years ago that was a result of the hospitals change to a new medical billing company that was a disaster according to public record as there was widespread problems. 

According to 3-In-1 credit score service through XXXX, my scores are the following : XXXX : XXXX Experian XXXX XXXX XXXX : XXXX So the scores from XXXX for Experian are substantially different. The XXXX score is an anomaly as my other scores are close to perfect. It seems like XXXX is trying to punish me with an excessively low score for a minor matter in dispute. A minor medical collection should not be hurting me by over 100 points. In addition, there should not be a discrepancy for XXXX regarding my score... one company says their score is XXXX while they say its a 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
TransUnion refuses to remove XXXX XXXX XXXX. account from my credit report despite XXXX dismissing a debt collection lawsuit if filed against me and XXXX having no intentions of collecting this alleged debt. As previously stated, XXXX dismissed the lawsuit if filed against me and is subject to O.C.G.A. 9-11-41 in the event of any refiling which it has been almost two years since the original filing, so I don't believe there are any intentions of refiling. XXXX failed to respond to my discovery request made pursuant to O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ) and that would have to be addressed in the event of any refiling of the lawsuit. XXXX is also subject to O.C.G.A. 9-11-36. XXXX failed to respond to the request for admission therefore the matter is admitted pursuant to O.C.G.A. 9-11-36 ( b ) unless the court, on motion, permits withdrawal or amendment of the admission. XXXX 's failure to respond to the discovery request would have to be addressed in the event of any refiling of the same lawsuit. If XXXX refiles the lawsuit and dismisses it again it would serve as an adjudication upon the merits ( which is the same as a dismissal with prejudice ) and XXXX would be barred by law from filing any additional claims against me pursuant to O.C.G.A. 9-11-41a ( 3 ). XXXX is only continuing to report this account on my credit report for the purposes of and with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit and or to have to pay a higher interest rate or receive a lower credit limit if extended a line of credit and some righteous obligation to report this account to the credit bureaus. TransUnion has an obligation to investigate and remove this account from my credit report because XXXX can not continue to use the courts to harass me and file and dismiss lawsuits.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian has failed to properly protect my credit report from fraudulent creditors, and they have failed to properly verify accounts that are being reported. 

I have disputed creditor XXXX XXXX 2 times for a fraudulent medical collection in the amount of {$1500.00}. 

Each time I disputed the collection the creditor failed to submit any supporting documents to Experian. Therefore the collection was removed from my credit report. 

However, the creditor waits a few months and then fraudulently reports the exact same collection to my Experian credit report. Experian is the only credit bureau that has repeatedly allowed this creditor to abuse my credit report with out obtaining the proper requested documents from the creditor to verify that I owe this debt. The creditor has not furnished any supporting documentation whatsoever, yet Experian allows for this collection to be on my credit report without properly verifying the accuracy. 

Creditor : XXXX XXXX XXXXT Address XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX, MN XXXX Phone number ( 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 2022-06-07
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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, On behalf of XXXX XXXX XXXX Acct # Account # XXXX. The company 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. 

If you do not have documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( 1 ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C Section 1681i, all unverified accounts must be promptly deleted. Therefor, if you are unable to provide me with a copy of the verifiable proof that you have on file for EACH of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: MA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 2022-12-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
My daughter got a hold of my credit card information without my knowledge to buy digital in-app items for her online game. She also used it to buy other online items up totaling {$3100.00} between XX/XX/22 and XX/XX/22. 

I went to pay my Apple card on the due date and saw the unauthorized transactions for the first time. There was no warning of any suspicious activity prior to my looking at the bill. 

I called Apple immediately, but their 14 day policy for allowing reversals was already past. How convenient. No warnings and a 14 day return policy, so you only find out when you go to pay your bill on time and in full as you always have done.

Apple works through Goldman Sachs. The run around between the two companies is a bureaucratic nightmare.

They couldn't even tell me the numbers on my own card after 3 hours of being on the phone.

The denied all of my appeals. I never gummed up the process by calling my bank ( as they will emphatically tell you not to do EVERYTIME you call ) until they denied my dispute after the 60 day mark. T One representative told me my claim had been approved and put me at ease. Then I called back and they said it was denied and unfortuntately, now I was outside of that 60 day period to report to the bureau as IF by DESIGN!

I am a small business owner/piano teacher. I can not afford such charges willy-nilly. I have spent hours and hours battling this case.

Please help me appeal this case with Apple Card/Goldman Sachs ! !!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: LoanCare, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I did a trial mod with LoanCare, and completed paperwork successfully, got approved the paper work was sent to LoanCare over a month ago, on XX/XX/2022. I have made numerous phone calls requesting my loan modification paper work with no response. LoanCare can not or will not tell me when my paper work will be sent. I call them every day to get the same reply LoanCare telling me they do not have me an answer. I am told they will escalate the file but nothing ever gets done.

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 2022-09-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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 pay my bills and never had a problem with Chase until now. 

I am enclosing correspondence with Chase, and you can see, the credit card division has done everything to try and skirt the issue of non-authorized/fraudulent charges on my account. They refuse to make any effort to validate by concerns and claims. 

XXXX. XXXX XXXX ( I live by XXXX XXXX ) 2. XXXX XXXX, ( I have XXXX and never did any transactions with XXXX. ) XXXX. XXXX XXXX XXXX ( I live in XXXX XXXX XXXX XXXX XXXX XXXX?? XXXX XXXX is by XXXX. ) XXXX. XXXX XXXX ( I use XXXX and XXXX XXXX? ) I simply asked for verification and copies of these charges as it is obvious someone got ahold of my credit card information and fraudulently used my account. Chase would have no financial exposure as the utility companies and service providers would reverse the payments and recharge the consumer who got credit for payments they did not make. Why is this an issue? 

I disputed these charges numerous times and all I got were boiler plate responses from your fraud department. 

My attorney sent a letter to your fraud department and has not even gotten the courtesy of a response. I received another form letter ignoring and circumventing my legal representation. 

Chase called me today and said I would have to call all the companies that charged on my card. I called XXXX XXXX, they said I would have to dispute with the credit card company, I called XXXX XXXX XXXX and they said they will not do anything I have to file a police report, I called XXXX XXXX and their automated machine hung up on me twice. The other charges have no contact information and no way to ID merchants. 

I do not where else to turn, vendors want to help but they can not do anything without transaction numbers which you get on slips from the bank which Chase is refusing to get for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( account number not listed on report ) 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 2022-09-21
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid 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:
Missing " XXXX XXXX XXXX  '' : Per the terms and conditions of the XXXX XXXX XXXX American Express Card : https : //www.americanexpress.com/us/credit-cards/card-application/apply/prospect/terms/marriott-bonvoy-brilliant-card/25330-10-0 # offer-terms XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account within 60 days upon opening your Card Account. On or before XX/XX/XXXX of each subsequent calendar year, the XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account operated by XXXX XXXX XXXX XXXX, in accordance with XXXX XXXX terms and conditions, as long as your Card Account is open as of XX/XX/XXXX of the prior calendar year. 


My issue is with the verbiage : The XXXX XXXX XXXX XXXX will be credited to your XXXX XXXX Member Account within 60 days upon opening your Card Account. 

I opened the credit card account on XX/XX/XXXX and expected to receive XXXX XXXX XXXX XXXX within 60 days. 

On XX/XX/XXXX, I reached out to American Express Customer Service ( AMEX ) to follow up as the credits were not received. The representative assured me that the credits would become available and they would count towards XXXX. 

On XX/XX/XXXX, I reached out to AMEX to follow up on the XXXX credits and was told the credits would arrive by XX/XX/XXXX. Customer Service also stated that they would open an investigation. 

On XX/XX/XXXX, I called XXXX customer service but was told my issue was credit card related and only AMEX would be able to assist. Reached out to AMEX again and was told their investigation returned no defects. AMEX stated that they would re-open the investigation and that it would take up to 2-3 billing cycles for results. Also went over the Terms and Condition verbiage with the customer service representative to make sure my interpretation was correct that I should have received 15 night credits for XXXX. Confirmed my XXXX Account Number with the AMEX representative. 

On XX/XX/XXXX, reached out to AMEX and was told the investigation was still pending and it would take an additional 2-3 business days. 

On XX/XX/XXXX, reached out to AMEX and was told the 15 night credits would arrive in XXXX. 

On XX/XX/XXXX, reached out to AMEX and was told the 15 night credits were applied to my XXXX account but in fact it was not. Tried reaching out to XXXX customer service again but was rebuff.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-01
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:
In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated that my account was properly investigated, but how is that possible if the date last active is inaccurate, and the date last reported is not accurate. This is 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Premium Credit Bureau
State: NV
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf. Upon reviewing my updates, incorrect information was found in my reports. The XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : PREMIUM CB Inquired on XX/XX/2019 XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute letter to both Experian and XXXX on XX/XX/2023. To this date, I have not yet heard back from Experian in regards to the dispute. I received a response back from XXXX on XX/XX/2023, but the matters of the dispute were not rectified. The dispute was to notify Experian and XXXX of the unauthorized Disclosure of Nonpublic Personal Information. XXXX responded by saying that item belongs to me but I never disputed the fact that the item belongs to me, I disputed to them by stating that every account on my consumer report had disclosed my nonpublic personal information to a nonaffiliated third party without providing me with a notice that complies with the requirements of 15 U.S. Code 6803. This action is a clear violation of my privacy rights and an infringement upon the safeguards put in place to protect consumers like myself. Again Experian never responded to the dispute and XXXX did not do their due diligence in properly investigating this matter. 
Tracking Number of dispute for XXXX Tracking Number of dispute for Experian : 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