BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-04
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage in XX/XX/XXXX online. I found out in XX/XX/XXXX that the payment had not been processed when going online to schedule my payment for XX/XX/XXXX. I immediately remade the payment for XX/XX/XXXX. I then made another payment for the month of XX/XX/XXXX. My credit report has been reported late for XX/XX/XXXX even though I scheduled it in XX/XX/XXXX. For some reason Mr. Cooper did not process the payment. I have emailed and called them to resolve the issue as well as notifying the credit reporting agencies but Mr. Cooper has not helped resolve the issue. 

Secondly I have now been forced into loan modification. Apparently although my payment for XX/XX/XXXX was a full payment I have only been credited a modification amount with the rest of my payment being " unapplied funds ''. I did not request a modification at any time. The online system is FORCING me now to make lower payments as a modified payment. I did not request nor want this. My mortgage is current. Therefore I should not be unwillingly forced into a loan modification payment because of Mr. Cooper 's error in not processing my XX/XX/XXXX payment properly. 

I have attached the statement from Mr. Cooper for the payments for the past 12 months. The XX/XX/XXXX payment was scheduled in XX/XX/XXXX BUT was actually processed on XX/XX/XXXX after I remade the payment for the second time after learning the payment that was scheduled to come out in XX/XX/XXXX did not process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions 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:
XX/XX/XXXX a fraudulent chargeoff was added to my experian credit report by XXXX XXXX. I disputed the original chargeoff which was reported on XX/XX/2018 as a chargeoff. I received a brand new chargeoff reported on my experian report after 4 years of the original chargeoff. As a result of this brand new chargeoff being added to my credit report even though the account is closed my credit score went down almost XXXX points. FCRA gives me the right to validate and dispute any inaccuracies on my report without retaliation. This is a fraudulent chargeoff. I called experian they said no chargeoff was added which is a lie. It shows a new chargeoff on on XX/XX/XXXX and all my fico scores went down XXXX to XXXX points. This is retaliation. FCRA says this is illegal ( section 623 ) protects me from this tactic. This chargeoff needs to be removed immediately it's fraudulent and retaliation.

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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX OF XXXX XXXX and XXXX OF XXXX XXXX. 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. 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 2023-07-11
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
IN XX/XX/2023 I WAS A VICTIM OF IDENTITY THEFT. SOMEONE OPENED A XXXX CARD IN MY NAME, AND ATTEMPTED A CHECKING ACCT IN XXXX XXXX, IL. NOW IT APPEARS THAT SOMEONE HAS OPENED AN ACCT XXXX XXXX XXXX XXXX, IN THE AMOUNT OF XXXX IN XX/XX/2023. 
I PLACED XXXX ON MY ACCT IMMEDIATELY BUT I NEED HELP WITH THESE SCAMMERS!! 

SINCE THEN I WENT THROUGH A DIVORCE. 
PREVIOUS NAME : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I wrote a {$30000.00} check from my Wells Fargo checking account to XXXX XXXX.This check was intended to be deposited in my XXXX IRA for the tax year XXXX. I monitored by accounts and noticed that the check was cashed on XX/XX/XXXX. But after XXXX working days, the check did not appear in my XXXX account. I called XXXX on the morning of XX/XX/XXXX and was told that XXXX did not receive my check and that " the endorsement for this check was not completed by XXXX ''. I then called Wells Fargo and worked my way through several departments, finally being connected with the Check Fraud Claims Center. I was told they would begin investigating. On XX/XX/XXXX I received a letter from the Wells Fargo Check Fraud Claims center stating " we are working to obtain a refund for you from the bank that accepted the deposit. '' They also stated " It typically takes 90-120 days to resolve. '' I called the Wells Fargo Claims Center on XX/XX/XXXX to get an update. I was told that they are continuing to investigate and that the " bank that cashed the check has not responded yet ''. And that all information gathered during the investigation was " confidential ''. I am of course very dissatisfied with the communications, the disinterest and cold hearted response I have received from Wells Fargo. At this point I am not sure if I will every see this {$30000.00} returned to me. And I may have missed my opportunity to save for my future. What recourse to I have? Thank you.

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 2019-07-16
Company: Experian Information Solutions Inc.
State: IL
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 requested my credit report from Experian on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX/XXXX in the file that Experian maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing an account was charged off {$1900.00}. I wrote and certified mailed a letter to Experian challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX or any means of automated verification. They replied back that XXXX XXXX " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Experian Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to b provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXXr verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.

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 2019-07-16
Company: EQUIFAX, INC.
State: UT
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 accounts # XXXX and # XXXX are reporting a debt I do not owe. These accounts are past the statute of limitations. These should no longer be on credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX  Amount Owed : {$24000.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights.

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-07-14
Company: EQUIFAX, INC.
State: SC
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 see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My credit report has my wrong ssi number. Wrong address and wrong phone numbers. It looks like someone has my information. Someone opening credit in my name. Please help me. Thank you.

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 2023-06-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX Amount Owed : {$1500.00} In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2021-05-28
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I paid a debt to IQ Data that I owed. But while talking to the representitive, I was told that they had another open account for a debt from an apartment complex in XXXX. Except for 4 years living in XXXX  and XXXX, I have lived in XXXX. When they researched it on there end, I was told that it was a mistake because I share the same last four of my social, and that it will be fixed. Today, I have recieved a call from IQ Data for the same debt that was wrongly placed in my name. When trying to explain the issue, I was notifed my name is on it, so it should be mine. Then when asked to talk to a supervisor, I was placed on hold for a couple seconds, then told they were not there. I called back, and got the same response, and was told only they would not contact me anymore. But said to call to see if I fixed this debt. I have not gotten any proof of this debt in the mail, or had any idea about this debt until XXXX of XXXX XXXX. Yet there website has said it's been in collections since XXXX. If it was mine it would have been on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: EQUIFAX, INC.
State: GA
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 was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX  XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: WA
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:
I have mailed dispute letters to the company XXXX in regards to validating student loan debt but I have not received anything information regarding the loans back in the mail from them they have failed to validate the student loans and they will not remove the accounts from my credit report. I sent these letters out in regards to all five of the student loan accounts that need to be validated but they havent been on XX/XX/2020. In the past they have wrongfully tried to collect on the student loan debts even while I was in school and still am a full-time student.

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 2020-03-18
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: WESTERN UNION COMPANY, THE
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Western Union to send an advance payment of {$1000.00} for a safari to my travel agent in XXXX, XXXX who banks with XXXXXXXX XXXX in XXXX. The money was supposed to have been delivered on XX/XX/2023. But money never reached the travel agent. After the agent did not receive the money a week after expected, I called Western Union and inquired about it. On the first phone call, I was told that the transfer was rejected, and the gentleman transferred me to the operation that deals with refunds, but I was told there that the money was delivered, much to my surprise. From that day I called that operation several times, each time after reaching out to the travel agent and asking them to talk to the bank manager. WU asked me to get the bank statement of the agent ( which is an unethical request, but I made that anyway with a definite rebuff ). The bank kept telling them that the money did not reach the bank. Still suspecting that the bank manager was not diligent, I wrote to him nonetheless, though I had not interacted with the bank ; only Western Union did. The bank manager refused to communicate with me, because I was not their customer ( which makes sense ). Still dissatisfied, I wrote to the CEO of XXXX in XXXX XXXX. I received quick response from the corporate office. I was told that the money never reached the bank. They insisted it was impossible for them to receive money from WU as the bank has no agreement with WU. When I called WU again to tell them what I have gathered, the lady on call rudely told me there was nothing else for WU to do, and the case has been closed. 

At this juncture I have waited long enough. My patience is strained and the money can not be lost without a trace! I wrote the last letter to WU in XXXX providing all the details of denials from the bank. I received a response which merely said I will be hearing back within 24 hours. Just like the previous instances, no more information has been given to me to this date. I am attaching the pdf of my last letter to WU, and the response I received from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, 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 have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form 3800 receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: AL
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 received a copy of my credit report and I noticed several accounts that I have no knowledge of. I asked that they be removed and they are still showing up on my account. please remove before I proceed with legal action in federal court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted a claim to the three credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXXXXXX XXXX XXXX Amount Owed : {$1000.00} In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2020-06-09
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX. Company Inquiries 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