BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There were about {$7100.00} in fraudulent charges on my XXXX credit card which XXXX did not hold me responsible for, but they did assess late fees and interest on said fraudulent charges. On XX/XX/21 XXXX said they would remove the account entirely from the credit reporting agencies, however, they did not. All three major credit reporting agencies continue to reflect the account and continue to report up to 60 days late!! 

I continued to make payments on the account for the charges I DID authorize but am still being penalized!

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 2019-11-22
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/XXXX, I learned XXXX/XXXX  has been reporting inaccurate information to the credit bureaus about me. I filed an identity fraud dispute with the bureaus. The bureaus sent notice to XXXX requesting XXXX to show the debt belongs to me and that it is valid. XXXX could not produce such evidence. Instead, XXXX doubled down on its false reporting by claiming, without any evidence whatsoever that I made payments to XXXX on the debt in XXXX and XXXX, and that I became delinquent in XXXX. I have never made any payments to XXXX since ( 1 ) the account is fraudulent and ( 2 ) I knew nothing about the existence of the the account until XXXX of this year. 

I am certain that others have filed complaints about XXXX deceiving business practice and refusal to comply with federal law relating to reporting false information and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My escrow account is increasing my payment on my 2 year anniversary, which is completely acceptable, they will not remove my PMI payments because my loan is not 2 years old yet. Also on there website it states that my Loan to Value is 66 %. So they will not even think about taking the PMI until after my 2 year anniversary. 

Spoke with them ( Mr. Cooper ) on an on line chat with an escrow specialist and that is where I got my information on XX/XX/2023. 

They will not take any action until after my anniversary but I have to pay my increase before that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX  XX/XX/21 XXXX XXXXXXXX XXXX XXXXXXXX  XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21

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 2022-06-13
Company: Broward Adjustment Services
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail stating that BAS MANAGEMENT was collecting on a {$30.00} debt owed to XXXX XXXX XXXX XXXX XXXX. I don't know XXXX  XXXX XXXX XXXX XXXX and I have NO outstanding debts for {$30.00}. I called the BAS MGMT to report this fraudulent claim but they had no interest in talking or verifying the information. They responded by harassing me and asking questions in an attempt to acquire personal information and then hung up on me when I cautiously questioned them on objective. 

ADDRESS BAS MANAGMENT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Kriya Capital, LLC
State: MD
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:
Account : XXXX Creditor : XXXX XXXX XXXX I have no knowledge of this debt, when called my social security isnt the number they have on file. I am victim of identity theft and have no knowledge of this debt. I want immediate deletion from my credit report to further eliminate any turmoil to my future. I have no notice to verify or dispute this debt. To eliminate any legal action or further violation of FCPDA or FCRA rights i would like this removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 sent my letter on XX/XX/2023. I told the credit bureaus to " investigate all information '' on the accounts listed. Also attached is the letter I sent to all 3 credit bureaus. 

According to the FCRA, the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or a mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also some of the accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-30
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THE BUREAUS INC failed to validate a debt at my request, which is a FDCPA violation, and continued to report a disputed debt to the Credit Bureaus : another FCRA violation! Not only have they ignored my prior requests for validation of debt, but they continue to report this debt to the credit bureaus causing damage to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Closed account on XX/XX/XXXX and was told to fax a request and the refund of my {$350.00} deposit would be issued in XXXX weeks ; otherwise it would take XXXX weeks. I faxed the request that same night as I closed the account. It has been right at XXXX weeks and no refund. I called today and they told me they see it was closed on XX/XX/XXXX ( and i have a letter from them via usps stating this also ) but he saw no refund had been processed. He was going to speak with his supervisor but " they are all on the phone but I will have one of them call you back ''. It has been XXXX hours and no return call so I am asking for your help in getting my {$350.00} refunded to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I hope this letter finds you well. I am writing to address several concerns related to my private student loan, which is currently being serviced by Firstmark Services. Specifically, I would like to request documentation regarding the charged-off status of the debt and also request the issuance of a 1099-C form for tax reporting purposes. 

According to the information provided in your previous correspondence, my loan was last reported as " charged off. '' As such, I am requesting documentation that clearly outlines the details and basis for this charge-off, including the date on which the charge-off occurred, the specific reasons cited for the charge-off, and any supporting information or documentation that justifies this action. 

Additionally, as a result of the debt being charged off, it is necessary for me to receive a 1099-C form. This form is required by the Internal Revenue Service ( IRS ) for reporting canceled or forgiven debts that may be considered taxable income. I kindly request that Firstmark Services issue a 1099-C form pertaining to the charged-off debt, providing the necessary details for accurate tax reporting. 

To ensure compliance with the relevant statutes, I would like to cite the following : Fair Credit Reporting Act ( FCRA ) : The FCRA sets forth guidelines for the accuracy and integrity of information reported to consumer reporting agencies. It is imperative that all information reported accurately reflects the status and details of the debt. Any inaccurate or misleading reporting may be in violation of the FCRA. 
Internal Revenue Code ( IRC ) : The IRC requires the reporting of canceled or forgiven debts on Form 1099-C. If the debt has been charged off, it is necessary to receive a 1099-C form to fulfill tax reporting obligations. 
I kindly request that you provide the following documentation and take the necessary actions : Documentation regarding the charged-off status of the debt, including the date of charge-off, reasons cited, and supporting information. 
Issuance of a 1099-C form for the charged-off debt, with accurate and complete details for tax reporting purposes. 
I appreciate your prompt attention to these requests. Please provide the requested documentation and the 1099-C form within 30 days of receiving this letter. If you require any further information or have any questions, please do not hesitate to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Ive sent Experian numerous request by certified mail and online since XX/XX/2022 to investigate several accounts listed on my credit report that do not belong to me. XXXX deleted the accounts off my credit report but Experian failed to properly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
There are accounts that closed/charged off since 2017 that's reporting delinquent every month. 

Experian and XXXX are reporting way off scores. 

All 3 bureau are reporting 3 majorly different scores. 

Still have my name and address wrong and address wrong after sending correct info 6 times. 

reporting incorrect payment history

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 2021-07-30
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Did not consent to the following lenders pulling my credit report : XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2XXXX XXXX XXXX Inquiry Date : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account XXXX 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 2021-07-30
Company: PNC Bank N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, I was selling furniture on XXXX XXXX  and someone reached out to purchase the items. They stated that their company was financing their expenses so they sent me a digital check from XXXX XXXX XXXX. I deposited the check and it cleared the following day at PNC. My furniture was posted for {$400.00}, but they wrote me a check for {$1900.00} as they wanted me to send the " movers '' the difference. Once the check cleared on XX/XX/2021, I was instructed to send {$1000.00} via XXXX to the " movers '' and {$550.00} via XXXX as the XXXX daily cap at PNC is {$1000.00}. The check was reversed the following day on XX/XX/2021 as it was fraudulent and the individual who claimed to be buying my furniture told me not to reach out as they will not respond. 

I went to PNC within 24 hours of the XXXX/XXXX  transactions to dispute the payments and filed a police report under the city of XXXX case ID XXXX. I just heard back that they denied my disputes so any tips you could provide would be a HUGE help! 

Prior to the check clearing I had {$400.00} in my checking account, so if the check wasn't completely cleared I shouldn't have been able to send the XXXX transaction at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB XXXX SS XXXX I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX  XXXX  # XXXX, account is reporting 30,60 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to formally dispute the accuracy of the late payment information that is currently present on my credit report. I have thoroughly reviewed my credit report and identified discrepancies related to late payments that I believe are inaccurately reported. I kindly request your immediate attention to this matter in order to rectify the inaccuracies on my credit report. 
XXXX XXXX XXXX XXXX XXXX I am aware of the importance of an accurate credit report and understand the impact it has on my overall creditworthiness. After careful review of my payment history with the aforementioned creditor, I have identified that the reported late payments are not reflective of my actual payment history. 
I am kindly requesting the removal or correction of the inaccurately reported late payments on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report. I request that you conduct a thorough investigation into this matter and, if necessary, contact the creditor to verify the accuracy of the reported information. 
I kindly ask that you investigate and resolve this dispute as soon as possible, preferably within the XXXX timeframe mandated by the FCRA. Your prompt attention to this matter is crucial to ensuring the accuracy of 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 2018-07-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with Nationstar Mortgage and my payments go through Mr Cooper. When I took out the loan for {$60000.00}, in XX/XX/XXXX, the loan was only 14 % of the total price of my home. The balance of the price of the home was paid in cash. At the time of the loan I asked to NOT have an escrow account but was told that I had to have an escrow account. In XX/XX/XXXX I called and asked to have the escrow account removed and was told that I had to have an escrow account for one year. I called back one month before the year was up in order to begin the process and was told to call back in XXXX when the year would be up. I called on XX/XX/XXXX and was told to call back on XX/XX/XXXX which would be several days after the one year. I called back on XX/XX/XXXX and was told that the one year of escrow had now been changed to 2 years. I asked for a supervisor and spoke to XXXX XXXX who told me that she would file for a waver since the 2 years was a new policy and I had been told repeatedly that my wait would only be one year. XXXX told me that she would call me back right away with an answer. However, it has been 4 days and I have recieved no calls. I have called every day trying to reach XXXX and spoken to several other people. On one phone call I was once told that the matter would be referred to her supervisor, XXXX XXXX, who would call me. However, he has not called me either. I ask for his phone number and was told that his number was unavailable. On XX/XX/XXXX I spoke to XXXX XXXX who told me that she could see in the computer data that I had been told several times that my time line was one year. She was going to try again to reach XXXX XXXX and her supervisor, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
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: Public record information inaccurate

Complaint:
I have been trying to deal with these bankruptcies on my credit report that does not belong to me. I initially contacted the Bankruptcy Court by phone about information on my petition that is not accurate. Here are the errors : 1. My address on the bankruptcy says : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and the correct address at that time was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX. 

2. The last four of suppose to be my social is XXXX on the bankruptcy and the last four of my social is XXXX. 

I decided to go by the bankruptcy court and the lady there gave me a copy of my petition. She also stated the incorrect information is displayed on several bankruptcy cases here are all the case numbers she provided to me that had the same identical incorrect information : XXXX, XXXX, XXXX, XXXX, XXXX. I have attached a copy of the petition given to me by the clerk office.

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 2017-05-04
Company: EQUIFAX, INC.
State: NC
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:
XXXX   XXXX  has billed me incorrect. The billing and collection have a   XXXX   balance on the account  Closed  and cancel with  XXXX   XXXX .  XXXX   XXXX  went into my checking account and take out {$810.00}. But I called my bank and they reverse it back to my account and the bank spoked with  XXXX   XXXX . I had cancel with them and sent back their equipment.  XXXX   XXXX  then had it to appear on my credit report as a collection or negative item. I called Billing and I was told I did n't owe them any money and  XXXX   XXXX  billing dept will send a invoice to me showing that. I do not have the invoice as of today    XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not sign up for Experian credit monitoring service. I went online to get my credit report. The box asking me if I would like to sign up for the monitoring service was automatically checked with the application. I unchecked it. I called Experian and I explained to them that I did not sign up for the monitoring service. They refuse to refund me for the fraudulent taking of money out of my account in  XXXX  and  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