BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-25
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to get help with a loan modification with mr Cooper mortgage. I have a letter that states I am a successor of interest for the property & im being told unless I have legal documentation showing Im taking ownership of the property it wont be approved. From my understanding & reading online, a successor of interest has the same rights as the original borrower of the loan & that I should be allowed to get a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: CITIBANK, N.A.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There was a fraudulent account opened my name back in XXXX at Home Depot ( Citibank ) I wasn't aware of the account until XXXX. I was informed by Citibank the person who opened the account, dates opened, statements, their email and phone no. I submitted all this information to the XXXX Police Dept. ( case no. XXXX ). Citibank has failed to corporate with the XXXX Police Dept. by submitting the documentation and information of the person who opened the account. Citibank has turned this account over to many credit agencies which is damaging my credit. I have submitted my signature and information provided to the police dept. Citibank claims they have done an investigation and finds this is my account which is false. What investigation? I never been contacted by their XXXX department. They have transactions where someone was making payments per XX/XX/XXXX statement, which they can track. I keep getting letters that I owe them {$4100.00}. This is a fraudulent account and I want it removed from my credit report. Citibank has this person information and has failed to provide the information requested to resolve 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 monetary relief
Consumer complaint received 2022-03-27
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX has 30 days by law to respond back they have not done so. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 
In your investigation results please prior to debt validation constitutes collection activity. 
In your investigation results please provide the names, addresses and telephone numbers of individuals contacted during your investigation.

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 2021-04-24
Company: Experian Information Solutions Inc.
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:
I was given a 3 moth deferred payment on my account, I have disputed the account and submitted documents of the deferred payment agreement, I had to sign the document twice because the never received the first one and was promised it wouldnt affect my 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 2022-06-19
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I continue to get bombarded with marketing emails from Mr. Cooper and Nationstar Mortgage after opting out of solicitations on XX/XX/XXXX at XXXX central. I have also set my preferences on the Mr. Cooper website to not send emails. These emails are intrusive and come very frequently - several times a week. I am not interested in refinancing, not interested in getting an appraisal, borrowing against my house, etc. I just want to make the minimum payment on my mortgage. 

Emails include but are not limited to : Subject : House hunting? Get complimentary access to experienced agents. 
Date : XX/XX/XXXX XXXX XXXX  Subject : See how much debt you can pay off. Get your complimentary analysis now. 
Date : XX/XX/XXXX XXXX Subject : XXXXOffer waiting : XXXX, claim your {$550.00} rebate before it expires Date : XX/XX/XXXX XXXX XXXX  Subject : Please review : Get summer budget relief Date : XX/XX/XXXX XXXX XXXX  Subject : Starts today : Were knocking {$550.00} off your appraisal fee Date : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( Transunion, XXXX, and XXXX ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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 inructions 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 2021-06-02
Company: Resurgent Capital Services L.P.
State: NJ
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:
the following accounts was never authorized to report on my credit, and is hurting me, please see below the list accounts on my report : Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft Account XXXX : XXXX This is not mine. 

6. Identity Theft Account XXXX : XXXX This is not mine. 
Identity Theft 12 XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature.

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 2023-07-10
Company: EQUIFAX, INC.
State: NJ
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: FL
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 requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I thought I had paid off all my medical debt as I was no longer receiving emails or mail about owing it. Today I got a text message saying I owe {$310.00} to XXXX XXXX XXXX  when I thought my debt was with XXXX XXXX. I do not know what this debt is from, what it regards, or when I received it, as they did not tell me, and said nothing about the right to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$360.00}.

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 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX, XXXX, and TransUnion have been reporting these accounts as derogatory listed below. 

In accordance with the Fair Credit Reporting Act, the three credit bureaus listed above violated my rights as a consumer. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are reporting as they are current, reporting as verified. I disputed with the credit bureaus about this matters at hand and nothing is done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems states that I owe XXXX XXXX XXXX XXXX I have never signed a lease for the XXXX XXXX XXXX XXXX property address. I have asked for this item to be taken over my credit report for over a year, but it is still there. I asked for verification of the debt, which would be a copy of the lease with my signature, but I am still waiting to receive it as of today. I asked for it to be emailed, but they said they couldn't ; I asked for it to be faxed, and they said it couldn't be faxed, so they mailed it on XX/XX/2023. They send me a payment history that doesn't have my name on it, and they tried to say since I made a payment on it I am responsible for it. I have never heard of this. Even with looking through the history, there is nothing that shows my name. I want this removed off of my credit ASAP because I am not responsible for this debt. I don't know if it is the collection agency or the original creditor or both that is causing this issue to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello my name is XXXX XXXX XXXX. 

have a ZERO debt profile with a credit score of only XXXX. 
Jefferson Capital is the collection agency that are RELENTLESSLY trying to get over {$1800.00} from me for a XXXX bill or debt that is NOT mine. I have tried to no avail to get this company to remove this off of my credit reports. I have requested proof of debt, i have sent in faxes, nothing has worked, As stated above I have ZERO debt and this collection from Jefferson Capital is really a thorn. I take my credit very serious and this debt is causing GREAT HARM to mine and my XXXX year old daughters lives. She wants a puppy and I need space to pursue my art career. Neither can happpen with this collection on my record. I need and want badly for this debt to be fully removed from all three credit bureus so that we can continue our quest to be firs time homeowners here in this great state of Texas. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EAST WEST BANK
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had been having a text conversation with a wrong number text message for over a month when she convinced me to set up a store on www.rakitenshoping.com. I had to put in {$3000.00} dollars to set up a store, to cover costs of purchases. I had a large " sale '' come and needed a {$30000.00} wire transfer to cover it. 
I wired the {$30000.00} to East West Bank in XXXX California on XX/XX/XXXX. 
When I covered this purchase and immediately received another purchase that required over {$100000.00}, and the purchaser was uninterested in my issues with needing to get a loan for over {$100000.00} and XXXX said I had to cover the purchase, or they would file a complaint against me with the FTC. I am over XXXX and had a XXXX XXXX XXXX during this period. I became suspicious and contacted several law enforcement agencies. including the FBI and the FTC. The XXXX  suggested that I contact the Colorado Bureau of Investigation and I did. The CBI recovered the original {$3000.00} wire transfer, and then contacted East West Bank and found out there was at least some of the money in the account I had wired money to. 
On XX/XX/XXXX XXXX XXXX XXXX sent East West Bank a App. for seizure warrant and a seizure warrant. 
Over a month later on XX/XX/XXXX XXXX XXXX XXXX received a written response about the need to domesticate in California. 
He was also informed that the funds were transferred overseas. 
East West Bant was informed that the money in the account was fraudulently acquired. East West Bank took over a month to respond and allowed the money to be transferred out of the county.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
From XXXX - XX/XX/2023, I filed a dispute with XXXX, XXXX and Transunion about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: PA
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 for XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX, XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX Account Name : XXXX  XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Has violated my rights 15 USC 1681, section 602 A states , I have the right to privacy.

15 USC 1681, section 604, A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 conviction of crimes, which antedates the report by more than seven years.

15 USC 1681S 2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: MS
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 am writing to address the recent notification I received from your office regarding the verification of certain items on my credit report associated with the account number XXXX. Specifically, this pertains to items reported by XXXX XXXX XXXX. I kindly request that you provide me with detailed information about the verification process for these items in accordance with the Fair Credit Reporting Act ( FCRA ) .response within 15 days or delete the trade-lines

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