BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX and a very low income responsible good credit history and a very Loyal Tax Paying US CITIZEN. In XX/XX/2012, I was approved a Loan Modification by XXXX due to loss of income from my divorce. My mortgage was lowered from about {$1200.00} to {$920.00} at 2 % interest. It helped me tremendously not to loose my home, which is my heaven and for my Child. Recently my Account was bought over by Nationstar mortgage when my 5 year term ended, I requested for extension of the Loan Modification as my income remained under $ XXXX annual before tax. I have pleaded and appealed but was advised to Refinance to remove my ex-husband 's name because he had abandoned the family, home and broke the mortgage contract refusing to pay his share ( there should be a Law for criminals like him ). Anyway, Loan Officer XXXX had processed my Refinancing documents and Convinced me that my payments are lowered to {$940.00} including Tax and Insurance at interest rate 3.67 % This is a joke and my Mortgage Balance increased from {$140000.00} to {$150000.00} due from Loan closing almost over {$6000.00}. 
I have received a statement from Nationstar Mortgage stating my Mortgage Amount has increased to almost approximate {$1200.00} to cover the escrow balances. I have been lied to and ripped off. This is a BREACH OF CONTRACT. First they denied me of extension or renewal of a Loan Modification and now the breached the contract of ensuring me that my payments will be at {$940.00} but increasing it to almost {$1200.00}. 
Please HELP!!! My Nationstar Mortgage Acct No. XXXX Sincerely - XXXX Home Address : XXXX XXXX XXXX OR XXXX cell XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section XXXX Violation Misleading False Reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section XXXX Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report. 
3. FDCPA Section XXXX Violation Misleading False Reporting XXXX XXXX  Account Number : XXXX Please remove it 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 explanation
Consumer complaint received 2021-12-17
Company: DISCOVER BANK
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:
These accounts do not belong to me. Please remove the negative items as soon as possible because they are hurting my credit. 

1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: LEXISNEXIS
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 have reached out to LexisNexis and requested information in which I have yet to receive a response. LexisNexis is in violation of my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've contacted XXXX, XXXX, in regard to incorrect fraudulent information that they're reporting to my credit profile. Both companies have not responded to my request of removing this fraudulent information. 

Acount # XXXX Creditor is ( XXXX  ) ACCT # XXXX Creditor is ( 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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-10-15
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:
Experian has been furnishing this account on my consumer report that is not mine. This is not my account.

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 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I started an account with Bank of America in 2017 when I was living in XXXX XXXX. However, I came back to XXXX ( where I'm from ) and the money is still there. My card expired and because of that I can't transfer my money back to XXXX. I have been waiting since XXXX for a new card to arrive. It was issued TWICE and still hasn't arrived ; I've had practically NO HELP from Bank of America. I can't download the app because it simply does not appear on the XXXX in XXXX, and, because of that, I can't transfer the money without a debit card. 

There's a Bank of America office here in XXXX XXXX ( where I live ), but it's an investment bank and I've been told that : they can't help me and that my card can not be delivered there ( which, honestly, would make this whole situation a lot easier ). The bottom line is : Bank of America is detaining MY money even when I've expressed my urgency to transfer it back to XXXX MANY times. 

My problem has, so far, NOT been treated with respect nor has my situation improved in ANY way. I've been thrown around, calling different phone numbers ( which greatly raised my phone bill ), and treated as if this was MY problem and not THEIRS to solve. 

Honestly, I would expect this behavior from a totalitarian country like XXXX or XXXX, but never from the United States. It is SHOCKING how a XXXX XXXX institution is so careless and simply does NOT CARE about the fact that they are retaining MY money from me.

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 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft

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 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
They continue to put hard inquiries on my report ever so often and I havent filed a credit report through this company not once. CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX CAPITAL ONE AUTO FINANCE Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX CAP ONE NA Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 Fair credit reporting act XXXX XXXX XXXX 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 also states a consumer reporting agency can not furnish a account without written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have knowledge of this debt. I have disputed the debt with the 3 credit bureaus at least 3 times, requesting proof that the debt is mine and or removal from my credit report. 

The collection agency is claiming a debt with XXXX XXXX, saying the account is recent, however ; I have been with XXXX XXXX and/or XXXX for >15 years. 

I called and requested proof of a contract or something I signed or agreed to. The collection agency sent me a document to report " identity theft '', and to provide a police report which is no applicable, as I did not have a XXXX account in my name, was not aware of the account, so no police report would be available.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
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: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed multiple complaints with CFPB about distributions taken out of my Bank of America Health Savings Account ( HSA ) in XXXX, the closing of the HSA and the opening of an HSA without authorization. A police report was filed regarding this account and tax statements were sent to Bank of America through CFPB. I received two email communications and a voicemail in which I was told by the Bank of America regulatory department ( in a voicemail ) that I have to communicate with them by XX/XX/XXXX. When I called the phone number and extension I was emailed, I was advised by an automated system that this is a debt collector. The messages from Bank of America did not mention this and I never received anything from Bank of America about my HSA account. The last time I engaged the CFPB, the Bank of America representative I spoke with said he could not find an account in my name. When I sent tax statements to Bank of America and requested documentation of transactions, I keep getting emails to call back with no response and now the threat of debt collection.

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 2023-04-07
Company: Experian Information Solutions 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:
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. 

Account name : XXXX XXXX for XXXX XXXX Account XXXX XXXX XXXX XXXX for XXXX XXXX XXXX has violated my rights. Sharing my old phone numbers and addresses 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 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 2022-10-15
Company: Paradigm Assets, LLC
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: Public record information inaccurate

Complaint:
JHPDE Financial1 ; LLC is reporting debt on my credit report that they do not own. Original creditor informed me that this company DOES NOT own this debt. Its was purchased by another company, and that company is not pursing collections because its past the statute of limitations. I have notified this company several times. 

They are submitting old documents to the credit bureaus as accurate. Its is not. CFPB has a copy of this letter from the original creditor to prove who owns the debt. It is not JHPDE Financial. Please remove the fraud from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am no more than 15 days late on my credit card payment with Discover. I have let the company know that I would be making my payment on Friday. Times are hard with me missing work in the beginning of the pandemic and catching up seems to be a never ending process but I will get there. The company continues to call me at least 6 times a day. This morning as I am on the phone with a rep from the company another rep was beeping in. I nicely explained to the lady that if they continue to harass me in regards to the payment I will not be sending them any money. A call a day is plenty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account- XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX Month showing late payment XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
Applied for a loan with discover loan, and Experian gave my data to other companies. Received 40 calls the next day from loan companies.

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 2017-08-10
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am disputing the following account as creditor is unable to verify debt in its full truthfulness. As his debt collector is not entitled to collect on a debt in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I am writing to challange the payment status that is currently being reported on my closed XXXX XXXX account #, [ XXXX ], which is listed on my credit report. I have recently reviewed my credit report and noticed that this account is reported as having an outstanding balance, despite the fact that it was closed. It should be listed as closed account after the first delinquency.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX Acct #. XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy.

I contacted " Transunion '' asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, 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 2021-12-18
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021 I was served papers at my employers office. By the XXXX XXXX. For XXXX  XXXX XXXX XXXX. From a Company I have never ever had any kind of loans with. And this Company has been harassing me for about XXXX years now. When I asked them to produce some kind of written contract with my signature they couldnt produce one. So I write to you asking for help. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Resurgent Capital Services L.P.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  is now reporting as LVNV Funding LLC {$440.00} balance Has different names appearing on my credit reports that was taken off previously. 

XXXX reports it as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports it as : XXXX XXXX XXXX LVNV

Company response to consumer: Closed with explanation