BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: LA
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:
I am submitting this CFPB complaint to dispute and request the immediate removal of an inaccurate date of birth listed on my credit file. The incorrect information is adversely affecting my creditworthiness and causing significant inconvenience when attempting to access credit services. I have reviewed my report recently and the Date of birth you are reporting is clearly incorrect - plain wrong. PLEASE fix EVERYTHING in my personal information that is NOT the following : My correct date of birth is : ( XX/XX/XXXX ) Please remove the Date of birth you are reporting on my Credit File as this is clearly incorrect and misleading. I want to clarify that my correct date of birth is XX/XX/XXXX and the information you present is not reportable as per the FCRA, since this is inaccurate : 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 non-monetary relief
Consumer complaint received 2016-01-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am asking the CFPB for help for which purpose it was created by XXXX to protect us from " Debt Collectors and THEIR ATTORNEYS '' ( Nationstart Mortgage LLC and " XXXX XXXX XXXX '', XXXX XXXX XXXX ), who have submitted fraudulent paperwork stating that these submitted papers are the factual basis by which they have STANDING and the right to collect. 
We are exercising our right in the DOT under the Borrower 's Covenant where it is stated. BORROWER WARRANTS AND WILL DEFEND GENERALLY TITLE TO THE PROPERTY AGAINST ALL CLAIMS AND DEMANDS, SUBJECT TO ANY ENCUMBRANCES OF RECORD. 
# 1 The Corporate Assignment BY MERS OF THE DOT dated XXXX XXXX, XXXX is a " COPY '' NOT RECORDED IN THE XXXX XXXX RECORDERS OFFICE # 2 The recording was requested by XXXX XXXX XXXX, a fabricator of fraudulent documents # XXXX The recording is to be mailed to Nationstar Mortgage LLC A-The fraudulent submission of this Corporate Assignment of the DOT dated XXXX XXXX by Nationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, indicate that the parties have submitted evidence indicating that for Good and Valuable Consideration (??? ) that they are now the owner. Nationstar Mortgage LLC XXXXNationstar Mortgage LLC and XXXX XXXX XXXX, XXXX XXXX, with the submission of this evidence indicate that they are the owner of the DOT XXXX However, a subsequent official recording in the rightful XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, seems to indicate another Corporate Assignment by MERS this time to XXXX Bank XXXX This is over 8 years after the fact. 
Question ... ... .How many more Corporate Assignments can take place? 
If Nationstar Mortgage LLC, attorney XXXX XXXX, do state that this is the prove of their legal beneficial interest in this DOT and STANDING, they should not hesitate but sign an affidavit according to these facts. 
Are they the Holder in DUE COURSE, not just the Holder? 
Are they representing the Lender? 
Who is the Lender? 
Or are they representing the the beneficial party in interest? 
The reason the CFPB was created is to stop excessive abuse by debt collectors. 
Nothing will do until they will sign affidavits according to their rightful Standing or stop presenting fraudulent papers and commit fraud on the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: IQOR US INC
State: LA
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 filed an XXXX dispute in early XX/XX/XXXX  on a collection that I found on my credit report. I received a letter dated XX/XX/XXXX  from Allied Interstate , LLC a debt collector that reported a {$280.00} XXXX XXXX debt to my credit. The name on the bill and letter is not me and it belongs to someone in another state with a different address. I contacted Allied Interstate after filing my XXXX dispute. I was informed by the agent that I had to wait until the dispute process was over. I explained to the agent that the debt belongs to a different person and I wanted it removed immediately. I received the results from the XXXX dispute dated XX/XX/. The results stated, " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' How is this possible when I never had a XXXX XXXX account and the person on the bill is a female. I filed another XXXX dispute on XX/XX/XXXX  and I attached the documents again proving I am not the person they are looking for. I contacted Allied Interstate again on XX/XX/. The rep confirmed that the address and name on the account was inaccurate. Then he stated that he can not discuss anything on the account since the account does not belong to me. I asked them to get this debt off my credit immediately. He stated that I would have to call back the next day because he did not know how to fix the issue. I contacted XXXX right afterwards. The rep told me that I would have to wait on the results on the new dispute. I explained to him that I already filed a dispute and they somewhat " Verified '' this debt belonged to me which was impossible. All he did was repeat the same thing of wait for the results and file again if I felt it was inaccurate. This is poor customer service from both parties. Both sides are reporting inaccurate and fraudulent information my credit that has impacting me for months.

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 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX  XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX 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 2023-10-17
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Had XXXX insurance at the time still do, no reason why I should have a collection debt from XXXX emergency physicians.

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 2023-03-13
Company: EQUIFAX, 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$58000.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX XXXX XXXXXXXX Balance : {$5500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
Im 2020 my vehicle was totaled Navy Federal Credit Union was the Lienholder. Without our knowledge XXXX XXXX sold the from underneath us illegally removing NFCU and myself from the title and changing the VIN. XXXX. In XX/XX/2020 XXXX XXXX XXXX told NFCU the car isnt totaled and can be repaired, then XXXX NFCU was removed as the leinholder holder ( as stated ) without 60 days notice ( illegal ), as well as now without collateral NFCU is in a bind because 60 days has passed where I am not on the title or in possum of the stolen car and the fact that the VIN was charged ( extremely extremely illegal ), and finally the vehicle was ultimately sold twice, XXXX and XX/XX/2020. Thus making the new owner liable. I have resolved this issue and would like Navy Federal Credit Union comments and account removed from my report as it was previously but just now appearing again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-05-25
Company: Experian Information Solutions 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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and XXXX, and I am pleading with you 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 explanation
Consumer complaint received 2020-07-28
Company: Residential Bancorp
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Myself and my realtor has been working feverishly to sell my home in XXXX NV. The buyers mortgage company " Residential Bank Corp '' has missed contractual deadlines, and failed to close on the sell of my home on time. This has caused humility and embarrassment for me when purchasing a new home here in XXXX ID. I want to make a serious complaint against this mortgage company for not meeting contractual agreements, and fraud. Additionally, Id like to make a complaint against the buyers realty company as well for hiding information as to why the mortgage company isnt performing to banking expectations on closing my home deal. This was scheduled to close and fund on XX/XX/2020 and its not XX/XX/2020. I signed my ending settlement 14 days ago and sent money into escrow to close the deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through the mortgage company Mr.Cooper. I get charged every month for taxes that's included in my mortgage amount and I just received a letter from my local tax office for delinquent taxes for the property. I was under the assumption that the taxes are included in my monthly mortgage amount that I pay to Mr. Cooper. I spoke with the tax office and the taxes is delinquent with interest in the amount of XXXX. The later half of last year Mr. Cooper increased my mortgage payments so why they didn't pay the taxes. I'm getting charged escrow every month so I don't see no reason as to why I'm still responsible for the taxes.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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:
I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( 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 whom it relates. I never gave the consumer reporting agency any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX  3. DEPT OF ED/XXXX  4. DEPT OF ED/XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  These accounts are individual actions, they must be delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-04
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the new XXXX program on XXXX and according to the XXXX site everything was complete, received by Nelnet, and processed. I never received any updates from Nelnet and I called on XX/XX/XXXX. After waiting XXXX hours to talk to someone, I was told they needed proof of my income. I was never notified of this. There was no email communication, phone call, etc. I also had given permission for my tax info to be transferred on the application. The representative said they needed it and that I won't be on the XXXX program for XXXX which means I'll begin accruing interest. When I pointed this out they said there is nothing they can do and that " it wouldn't be that much interest. '' I submitted my tax information and they then said application was received on XX/XX/XXXX and processing and would take 15 days according to an alert on my account dashboard. I have logged into my account regularly and last week ( XX/XX/XXXX ) it said it was processed and to expect communication. I have not gotten any communication. I still am not on the XXXX plan, but I was placed in forbearance until XXXX. 

A note, that according to the Department of Education website, my application was received XXXX and processed XX/XX/XXXX. Again, nothing from Nelnet. 

I just want to be put on the XXXX plan and begin repayment. I have tried to call multiple times this week and last week and I am just put on hold endlessly and never get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
i have called Transunion and i have notify them in writing that i am a victim of identity theft. Transunion have failed to maintain reasonable procedure to in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that the bureaus report only 100 % accurate credit information. According to the fair credit reporting act. section 609 ( a ) ( 1 ) ( A ), Transunion are required by law to verfiy, through the physical verification of the original singed consumer contract, any and all account that they post on a credit report. I was inform by several Transunion staff staying. there is nothing they can do. i was told they have a right to keep it on my report because my original file did not include those item. and they came back verified. I ask XXXX, XXXX, XXXX who all identify themself as the supervisor. and they will not delete. i demand to see verifiable proof ( i.e an orginal signature on it that you have on file for the account attach. under FRCA unverified account must be delete

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 2022-02-05
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: IL
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:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company response to consumer: In progress