BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
Rushmore Servicing has told us in numerous phone conversations that Since XX/XX/2023 XXXX XXXX AND XXXX XXXX XXXX have been apparently BOTH have Foreclosure Files against the Rushmore Servicing account. Not only have these fees been duplicated against the account, they never should have begun in the first place as we never received any Notice of Intent to XXXX XXXX as required by XXXX XXXX. When we contacted XXXX XXXX to question them about the Foreclosure legal fees and why they even have a Foreclosure Filing along with XXXX XXXX XXXX, who quietly cancelled the Foreclosure complaint with XXXX XXXX and never notified us by mail or server on XX/XX/XXXX. XXXX XXXX refused to speak to us and only would say Errors have been made and we need to speak to Rushmore Servicing about them and the Foreclosure file has been closed as of XX/XX/XXXX. However, Rushmore continues to state the Foreclosure is active while still refusing to answer our request for a breakdown of line items of all fees for legal and maintenance which we believe were either duplicated or never took place causing us to not be able to pay any alleged monthly balance as the figures are never correct or truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to report a data breach claim from XXXX that has resulted in over XXXX inquiries being reported on my credit report. I am concerned about the potential impact this XXXX have on my XXXX XXXX and financial well-being, and I would like to request assistance in resolving this issue. 

According to XXXX, the data breach occurred on XXXX. Since then, I have received numerous inquiries on my credit report from various companies and individuals. These inquiries have caused significant concern and stress, as I am not sure how they XXXX have obtained my personal information or why they are attempting to access my credit. 

I have contacted XXXX  and have been assured that they are taking steps to address the data breach and protect their customers ' personal information. However, I am still concerned about the potential damage that has been done and would like to request assistance in resolving this issue. 

Thank you for your attention to this matter. I look forward to your response and any assistance you XXXX be able to provide.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: MD
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 submitted a complaint last XX/XX/XXXX. Companies involved responded and deleted some fraudulent items but there are still fraudulent items remaining. I submitted a complaint dated XX/XX/XXXX and XXXX, XXXX and it was closed immediately. I am submitting a new complaint hoping that you will still assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a claim about my ui benefits being stolen and BOA has done nothing. I was told that I should have filed a claim in XXXX  when it first happened. I tried to file a claim then I didn't even have the option. I went to the branch and they told me I had to take the issue up with the XXXX  XXXX which was impossible at the time. I tried the whole calling over and over for hours but got hung up on or the message stating they were unable to take my call just like I did when I tried to call bofa about my money. My account was hijacked. I was certifying through the mail randomly whenever I got the certification forms in the mail ehich was clustered and never consistently. Now that I'm finally in my XXXX account again I see that they did receive my certifications by mail but the benefits were issued from certifications done online. I never got my ui account number in the mail like they said. I never got any of my money. Why was someone else able to get my money but not me. A lot of things make sense now. The address was changed from my house to some place in XXXX. Why is the bofa still investigating buy not giving me a provisional credit?

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 2022-12-28
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-02-17
Company: EQUIFAX, INC.
State: NJ
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 @ XXXX, I went to a Navy Federal ATM XXXX XXXX XXXX TX XXXX I was making a {$500.00} deposit and the atm had taken the money for the deposit. But the atm shut down in the middle of the transaction. I called customer service immediately while this happened and they made a dispute but could not credit my account the {$500.00} even though this atm is serviced by Navy Federal itself. They told me itll take up 10 business days even though the fault was theres. Now Im out {$500.00} that I was needing going out of town for bereavement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: MD
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:
Equifax/ XXXX  is in Violation of 15 USC 1681b-Permissable purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to who it relates. 

I never gave Equifax or XXXX  any consent to report anything on my consumer report, No consent is identity Theft. Attached is a copy of the law. 

Concerning the account listed below as a consumer I'm demanding a deletion of this account immediately or I will seek damages in small claims court in my city and state. As the original creditor only I can validate the debt. I Do not Validate this debt. Please Delete all accounts from my credit profile immediately in the amount of {$2100.00} and {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: Wolf River Development Company
State: OR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Borrowed {$500.00}, from fineday loans, an online loan company., XX/XX/. XXXX understood payback terms. Called XXXX  several times before first payment was to be paid, XXXX XXXX. Difficulty understanding companys customer service people, and difficulty understanding the terms of the pay back terms.I was told that a {$110.00}, was due on the first month of the payback terms, XX/XX/. Talked to several different customer service people, and could not get an payback term I could understand. Was kept being told, I could pay back the whole amount borrowed, plus interest, that payment arrangements were very confusing for me. I paid them thru my bank account on XXXX XXXX, {$110.00}. Talked to their company today, and was told. {$220.00} paid to them on XX/XX/XXXX, and that on XXXX XXXX, my balance woujld b e {$460.00}, and than in XXXX, my balance would be $ XXXX. Was told if I paid {$110.00} a month for 12 months, i the loan would be paid off. So confused, and know that the interest is like a theft. Coujld I please get some help or undersgtandin g of this type of mess I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As per the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ) and the approved Metro 2 data file reporting standard, I possess the authority to contest any inaccurate information found on my credit report. Before being made available for use by creditors, all information contained in a consumer 's file must be appropriately documented and verified. I therefore consider this to be a severe issue. I'm resolved to fight back with all of my strength because the accusations of delinquency and negative information about me are completely untrue. I won't tolerate any false information being connected to my name or financial background! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$360.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  {$500.00} XXXX XXXX XXXX  {$500.00} XXXX XXXX Charge-off {$1300.00} XXXX XXXX Charge-off {$9200.00}

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 2023-06-21
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2022 I signed a fraudulent contract with XXXX XXXX account number # XXXX at the amount financed of XXXX at 29.97 % with a finance charge of {$1900.00} which equals a sum of {$4900.00} according to exhibit A and payments where set at XXXX per monthly occurrence of 42 months according to this contract. I have found mistakes within the contract which has some consistency of some type of fraudulent acts and contrary to this XXXX XXXX is reporting negative remarks on my consumer report see exhibit B which dates on payments are inaccurate see exhibit C this is another mistake. XXXX XXXX is abusing interest rates deliberately on loan agreement just to have the consumer over pay which is fraud see this example of A true finance schedule see exhibit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Synovus Bank
State: CA
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 has not removed a fraudulent account that was a result of identity theft. This account has already been removed from XXXX XXXX and XXXX and I have supplied all supporting documents, I am a victim of identity theft and this fraudulent account needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: QuickClick Loans of Illinois, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The creditor is Brookwood Loans - a Balance of {$830.00}. It reports that I am 180 days past due. It is reported that I have been late 64 times. The date of the loan is XX/XX/XXXX, and the last payment was made in XX/XX/XXXX. I have been trying to get the original loan documents from this creditor. This is a fraudulent loan and was taken out by a family member unbeknownst to me. The creditor refuses to give me any documents or verify the loan. He verbally accused me of lying over the phone. This has been going on for years. I have called over the years and received no help. I asked the manager XXXX to mail the documents to me verbally and he stated, " I can't do that because I don't know if you're XXXX XXXX. '' This creditor 's inaccurate reporting has kept my credit rating in the toilet. This has caused me a great deal of stress and XXXX. I have written the creditor and asked for the original documents and the creditor responded by writing me back stating I should log onto the website to get the documents. They have been bullying me for years and refuse to verify this debt. I have called just to be insulted and dismissed. By not knowing my rights as a consumer, I could have filed a complaint against them. XXXX has failed to help me as well. I have been discriminated against and I would like to file suit against this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2022, a debt collector firm " XXXX XXXX XXXX XXXX XXXX '' sent me without my prior consent a XXXX letter stating, I owed a debt and used false, deceptive, misleading representation and implications that the communication was from an attorney. They are attempting to collect an alleged debt that was charged off on false claims of on behalf of another company. Also they now violated 15 U.S. Code 1692i ( b ) as they have filed legal actions against me as debt collectors on XX/XX/2022 without no authorization from me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Experian Information Solutions Inc.
State: NY
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:
NO knowledge of this account. XXXX. Disputed once, and Experian will not remove it. Has been on my report for over a decade. 

XXXX  Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$76.00}, XXXX written off. {$33.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$96000.00} Balance updated XX/XX/XXXX Recent payment $ XXXX  Monthly payment {$0.00} Original balance {$31000.00} Highest balance {$0.00} Terms 300 Months On record until XX/XX/XXXX XX/XX/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 2022-12-29
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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I discovered 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$500.00}

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 2023-11-01
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: Problem with personal statement of dispute

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. 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 DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-04
Company: Nelnet, Inc.
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:
I XXXX XXXX finished my college education in XXXX. I took 11 student loans that were satisfied in full. Therefore, I never signed for a student after XXXX. I have attached a copy of each satisfied student loans. My problem now is that my ex-wife at one time added me as a person of interest to pay on her student loans that were serviced by Nelnet Loan Services. My divorce decree never had a stipulation that I would be responsible for her student loans, totaling {$63000.00}. I request the immediate removal of these accounts from XXXX XXXX and XXXX XXXX respectfully. Nelnet may be inclined to even send to me copies of all signature pages for these loans, which will prove that I am not a responsible party. Accordingly, I request a quick review of these accounts and their permanent deletion on all pertinent credit reporting agencies. Thank you for your cooperation. 
XXXX XXXX

Company response to consumer: Closed with explanation