BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
Transunion and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX XXXX  and accounts.My credit report is still reporting XXXX XXXX XXXX XXXX XXXXXXXX. 
This has caused me tremendous XXXX XXXX, and financial hardship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our loan with  XXXX  was transferred to NationStar in  XXXX  of  XXXX .     My husband and I filed Chapter  XXXX  in  XXXX  of  XXXX  and from that point forward we were no longer able to make online payments and no longer received any communication or monthly statements even though the mortgage is not included in the  XXXX   XXXX .     My husband and I are in the final steps of a REFI and were contacted by the Credit Bureau for a conference call with NationStar on Wednesday  XXXX   XXXX ,  XXXX . The call took place on Thursday,  XXXX   XXXX   XXXX , where we were informed that we were a payment late for the last 3 years starting in  XXXX  of  XXXX .     I called NationStar the next day, Friday,  XXXX   XXXX ,  XXXX , and spoke to customer service regarding my Payment History and they told me that I didnt show any late payments, but there was a payment in suspense and I just needed to pay {$890.00} to get it out of suspense and my account would be up to date. My daughter was sick at school and I needed to get off the line so I just paid it so I could get my daughter, but I really didnt understand why there was a partial payment in suspense and why I had to pay almost {$900.00}.     The next day, I pulled up my Payment History and I saw that the  XXXX   XXXX  payment was not applied as a payment. This payment was put in suspense causing any payment thereafter to b e 1 p ayment behind to date. I called on Saturday,  XXXX   XXXX ,  XXXX , and customer service said I had to call back on Monday when the bankruptcy department was open. I called first thing Monday morning,  XXXX   XXXX ,  XXXX  and spoke to  XXXX   XXXX  and repeated what I had found. The  XXXX   XXXX  payment was not applied as a payment and showed next payment due  XX/XX/XXXX  instead of  XX/XX/XXXX . Once this is corrected, I will not only be current as I have always been, but a payment ahead because of the money that was held in suspense and the additional {$890.00} I paid to make up a full monthly mortgage payment. The customer service rep,  XXXX , put in a request to the research department and I told her that this needs to be dealt with today. I am at the end of a REFI and this is the only thing holding it up. She said she can only place a request and state it as a priority.     I have called every day since and my request has not been touched and I have even spoke with a supervisor named,  XXXX  and he said that they can not contact the Research Department via phone or any other way. I find this extremely odd for a huge company. NationStar is the one at fault for this error and needs to fix it in an expedited manner! I have been patient long enough and do not want to lose this REFI!!! This error should have been caught and fixed when the conference call took place with the Credit Bureau on  XXXX   XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: OH
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:
These are not my accounts. 

XXXX XXXX # XXXX XX/XX/2020 Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt. 

XXXX XXXX XXXX # XXXX Requested the original instrument of indebtedness for the account, the binding contract for this account, method of verification and validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
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 information incorrect

Complaint:
I have disputed information about my XXXX XXXX Acct thats failed to correct the issues that are continuing to add damage to my credit report. My XXXX report shows me having a late payment in the month of XXXX and this is incorrect a payment of {XXXX} was made on XX/XX/XXXX of XXXX. Equifax and XXXX are also reporting conflicting dates of closing on this account. There are to many errors on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Follow up on the Rushmore Loan Management Service Letter dated on XX/XX/2022 for the CFPB Case number XXXX. 

I, XXXX XXXX ( Current Owner ) have purchased the property of XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, through Public Auction, I dont have any acknowledge for the property or related to the original mortgagor. I have attempted to reach out to Rushmore multi-times throughout the year till today after received the payoff letter dated on XX/XX/2022, and it has been unsuccessful due to third-party privacy. During the conversations with their CS /management team, a few of the supervisors have been hang-up my phones for few times. Finally, I can be got the direct their Foreclosure Attorney contact number XXXX XXXX XXXX this afternoon. However, the line has been disconnected. 

Based on the Payoff total amount of {$200000.00} dated on XX/XX/2022. I am paying the Property Tax, Homeowner Insurance, HOA Fee, and there has no outstanding due payment. I request Rush Loan Management Services LLC to remove the unreasonable items of 1 ) Escrow Advance Balance and 2 ) Corporate Advance Balance, so my lender XXXX XXXX XXXX XXXX XXXX XXXX  can proceed the balance payment immediately. 

I requested the Rushmore to contact me anytime at XXXX XXXX XXXX. To avoid further delay in payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account was paid off and company agreed to delete upon payment. Account is still on my credit file. 
XXXX XXXX XXXX XXXX XXXX  Account number XXXX Date last active and date last reported is different and I ask for it to be removed due to its inaccuracy. 
XXXX. ) Inaccurate credit inquiries which I did not request and do not have and account. I have previously requested them inquires to be removed, however, the credit companies have ignored my request. 
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 non-monetary relief
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section XXXX XXXX b ) of the FCRA, these accounts must be removed within XXXX business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover closed my account on XX/XX/2018 due to doing a random credit pull that I did not authorize. This situation is disappointing to me because I was in good standing with this bank. Whats even more disappointing was they didnt even provide me with prior notice that they were closing my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. ) XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account was paid off and company agreed to delete upon payment. Account is still on my credit file. 
2. ) XXXX XXXX XXXX Account number XXXX Date last active and date last reported is different and I ask for it to be removed due to its inaccuracy. 
3. ) Inaccurate credit inquiries which I did not request and do not have and account. I have previously requested them inquires to be removed, however, the credit companies have ignored my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue  however, I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to id theft, accounts were opened in my name Upon receiving a letter from the original creditor saying i am not liable for this debt. portfolio recovery is still continuing to try to collect and say i owe this debt. They are making my credit score suffer and it's the only debt that is on my credit report. They gave a bogus letter which was suppose to " Validate '' this debt however the information was not even mine. This is unfair and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Westlake Services, LLC
State: IN
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:
This company has been breaking consumer rights law and violating my rights for the past 6 months and refuses to comply with the law and fix their mistakes on my credit report. 

I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Diversified Consultants, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$760.00} from diversified consult on XX/XX/2018. This credit card is unauthorized transaction and maybe identity theft is considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
There is an issue with my account closing. Due to very poor customer service at the branch in XXXX, XXXX I have decided to close the account at the beginning of XXXX. 
To this affect I also requested to have my XXXX appointment cancelled at that branch. 
However when I called WF customer service the bank refused closing of the account despite providing my credentials and explaining two last transactions including the amounts and were they were deposited to my account. WF refused to close the account despite provision of a code verifying my identity to my email account which should have established just that. It was done as currently my cell phone number ( XXXX ) is unavailable due to the carrier change ( XXXX platform discontinuation by the current carrier ) and new carrier will be able to take my service shortly. 
It is beyond me why the bank would send me a verification code by email ( apparently in bad faith ), confirm it as valid and then turn around and require another sent to my cell phone. Once again this action shows a complete disregard to the any kind of good will relationship with the client. 
The supervisor XXXX XXXX was the one demanding a code from the no longer functioning phone. It is obvious that the bank is refusing to close the account in order to accrue possible inactivity fees.

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 2015-12-14
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I need someone to address this issue expeditiously : Two years ago the XXXX turn our account account over to a unethical, unlawful collection agency that harass you and tell lies to get money out of Americans who has loans with the XXXX XXXX XXXX. Something needs to be done about the company ASAP there name is Pioneer Credit Recovery they are a collection agency out of New York that does bad business practices. In 2014 they took my tax refund because they lied and told the XXXX that my XXXX XXXX XXXX XXXX was a Student Loan Something needs to be done about this Company ASAP. Send out a Stop and Decease Letter ASAP these people are misrepresenting the XXXX XXXX XXXX which is a Federal Agency. Pioneer Credit Recovery Needs to Be Stopped By the Government for Misrepresentation of Government Loan Accounts. 

On last Friday ( XXXX ) my job gave me some papers that will be giving a XXXX Collections XXXX the right to garnish my wages after I sent them in supporting documents explaining my financial condition. In the letter Pioneer Credit Recovery sent to your oXXXXfice they lie, and said that I did n't send in my XXXX. I can send the information that I sent them. Plus I have always told them that I could afford only {$300.00} dollars a month this Company XXXX XXXX Wants to receive {$550.00} a Month which I ca n't Afford. This company has lie on me I 've been advised to Sue them by an Attorney for wrongful and unethical business practices, because have harassed me by continuing to call and not except my financial agreement that I was willing to pay. Now they want to garnish wages at there amount which will greatly affect my bill agreements that I currently have. I 've never missed a payment with Pioneer Credit Recovery XXXX agency they are just unfit to represent the Federal Government. Feel free to call me at : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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 # XXXX # # # # # # # # # # XXXX  XXXX charge off closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX inquired on XX/XX/2022 has violated my rights. 


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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 # XXXX # # # # # # # # # # XXXX  XXXX charge off closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX inquired on XX/XX/2022 has violated my rights. 


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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I THINK IM A VITIM OF FRAUD I WAS IN XXXX FROM XXXX AND I CANT GET MY CREDIT REPORT. MY EMAIL address is XXXXXXXXXXXX and my phone number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief