BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-04
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am disputing the amount NCC Business Services trying to collect. The amount submitted for collection is not valid. I sent dispute letter to NCC Business Services and NCC is ignoring my dispute request.

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

Complaint:
XXXX XXXX XXXX XXXX ( formerly Nationstar ) purchased condo insurance coverage ( HO-6 ) on our behalf that we already have on our current master policy. I have tried repeatedly to correct the problem, including providing a copy of our master insurance policy and making three separate phone calls. After each effort, I was informed that we had adequate coverage and that I did not need to take further action ( i.e., purchase additional coverage. ) Our mortgage was transferred from XXXX to Nationstar on XX/XX/XXXX. We were informed that our condo insurance had expired ( which it had not ) and that I needed to provide a copy of our master. It was faxed XX/XX/XXXX and when I followed up with a call on XX/XX/XXXX, I was informed, per automated message, that our records had been updated and that no further action was required. We then began receiving letters informing us we needed additional coverage. On XX/XX/XXXX, I talked to Customer Care Specialist ( CCS ) XXXX, who informed me that our info from our master had been incorrectly input, that she would correct the problem, and that we had adequate coverage. Subsequently we received another letter informing us we needed additional coverage. On XX/XX/XXXX, I talked to CCS XXXX, who made a three-way conference call to our condo insurance company and talked to XXXX ( XXXX XXXX. XXXX, XXXX XXXX, MO ), who confirmed that our master does indeed cover HO-6 (  aka " walls in '' ) coverage. XXXX agreed to remove the insurance purchased on our behalf by Nationstar ( now known as Mr. Cooper ), including all charges. In XX/XX/XXXX, we received our latest escrow analysis and the charges for the unnecessary insurance have not been removed and our monthly mortgage payments have been increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions 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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: CAVALRY INVESTMENTS, LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account was disputed but is still on my credit report as updated. I requested a requested copies of the verification process but was denied that information from XXXX, XXXX, XXXX  and the collection agency Calvary portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Major infringement of my consumer privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code sections 6801 and 6802. I am horrified and concerned that your group has violated these federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: VA
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 investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX 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 2023-08-29
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: Information belongs to someone else

Complaint:
I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 USC 1681. 

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 XXXXI XXXX XXXX XXXX, XXXX XXXX XXXX  : XXXX XXXX, XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXL : xxxxxx XXXX, XXXX. XXXX XXXXXXXX : 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 GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX GEORGIA : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : 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 a account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven 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 inaccurate.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company 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 2023-07-22
Company: WELLS FARGO & COMPANY
State: WY
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or misleading advertising or marketing

Complaint:
I deposit a couple of checks through my app and lately through an ATM because the amount of the check. The initial disclosure date of the check supposed to be 24 hours after the deposit and the rest of the fund 5 days after that. 

Then, they change the available funds date to 7 days after the deposit and said the reason was my mortgage company. I called them, and they said that the funds are there and available for cashing. 

I dont understand where is the actual reason but misleading information is frustrating. This funds are for house repair and my mortgage company understands the priority.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been with CitiBank Best Buy Visa since XX/XX/XXXX when I signed up for a Best Buy Credit Card and purchased a XXXX XXXX XXXX and tv stand for around {$2300.00} ( of {$5000.00} ). Since XX/XX/XXXX, I have been making payments every month since per their promotion, I get 0 % APR for 24 months ( ending XX/XX/XXXX ). I have made payments of {$100.00}, {$110.00}, {$270.00}, and {$100.00} going on for 4 consecutive months. The {$270.00} was extra because I made some purchases on Best Buy and XXXX, so I payed more to cover what I just purchased. Today ( XX/XX/XXXX ) I checked my balance on my account and noticed it was {$2300.00}. This confused me because the balance should be a lot lower. I called Customer Service and the first person was very rude. She hung up on me. The second person could not properly explain why my balance was higher. Where did this {$600.00} that I paid for go? Why is my balance higher than my original purchase? Almost as if none of those payments went through, yet according to my bank ( XXXX ) they have. And I have screenshots on my credit card account that they went through. In total if you don't count my payments and those additional purchases, I would owe around {$2500.00}. If you subtract that it would be around {$1900.00}. So where is this extra charge coming from? I triple checked all purchases made on this card and it all added up to around {$2500.00}. I also subtracted my payments ( that I made on time and paid more than the {$30.00} minimum ), yet where did this $ go? Which leads me to believe that Citibank has frauded me. They have taken that money and have not applied it to my balance. They were also very uncooperative and that first person hung up on me. I told them that until the issue is fixed to put a hold on my credit card and that I would not be submitting any more payments since the next is due on XX/XX/XXXX. I have XXXX other credit cards over the past 3 years and have never experienced anything like this. It is very odd and these other purchases made were very recent and would not have interest accumulated. After researching I hear they have done this to other people? This is greatly upsetting because I could not afford this TV upfront so I guess fell for the Best Buy credit card scam. This is ridiculous that my balance is not lower. Even more so that I have been a good client and have paid every month on time and more than the minimum. I specifically had {$100.00} set up because I calculated how much it would cost over the 24 months. Yet this company has taken my XXXX money ( I am a Permanently XXXX Veteran ) and has not applied it to this balance. Something needs to be done. Someone needs to hold this company 's malpractices accountable.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the fair credit reporting act XXXX  XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureau XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Finance XX/XX/XXXX have all 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 : 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 explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions Inc.
State: KS
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 disputed fraudulent information appearing on my credit reports multiple times with Experian and they sent me letters stating they will not investigate. 

The fraudulent information is : XXXX {$2800.00} and XXXX XXXX XXXX  {$6000.00} I disputed fraudulent information appearing on my credit reports multiple times with XXXX and they sent me letters stating they will not investigate. 

I have included a copy of my identity theft 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 2023-09-17
Company: EQUIFAX, INC.
State: SC
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 have received a copy of my credit report with the intentions of trying to improve my credit and take care of my applications and noticed if you accounts that I want it explanations for. Im not saying they reporting right or wrong. Im just saying that I am sure they are reporting wrong. I also read something called the fair credit reporting act which is sad by law I have the right to challenge anything I am not sure is accurate. And once I started to contact the reporting agencies to dispute some of the things that were on my credit report it seem as if they updated their information with my information that I was giving them. 

I also thought that all three of the credit beaur were supposed to be report the accurate/same information. My reports are not showing the same information In accordance with the fair credit reporting act XXXX  account XXXX for XXXX, XXXX, and Equifax 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 an account without my written instructions.

15 U.S.C 1681i ( a ) it states if you can not provide proof accounts must be deleted.

15 U.S.C 1681s-2 ( F ) ( ii ) it states that if the credit obligation or account was delinquent before the pandemic ( aa ) the account must maintain the delinquent status doing the period in which the pandemic is in effect. 
( iii ) it states that no changes should be made to a charged off account. 
I would appreciate it if these accounts accounts are deleted if they are not 100 % right and accurate/correct. Could you please check on these accounts and get back with me? I also saw on the credit site in XXXX where you have 30 days to complete the investigation please investigate the following accounts and remove them if anything is missing or not correct on them. 

Thank you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Resurgent Capital Services L.P.
State: GA
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 collection accounts has violated the rule of CFPB and FCRA since this was just recently opened last XX/XX/2022 and I never received any communication about these accounts,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: CA
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:
My credit report is showing late payments to XXXX  XXXX XXXX and XXXX  XXXX XXXX  NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: NC
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:
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

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