BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan is for 8.75 % and I was paying it on time for a number of years until the economy took a dive. I asked several times to be refinanced and they said no. I have asked many times for some help with HARP and they said no. Can you please see what is going on? They kept adding charges which is now over {$19000.00} which will prevent me from ever catching up when I am only 1 payment behind. They are charging me {$15.00} a week for someone to driveby and take pictures. It adds up quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: FL
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:
EQUIFAX, XXXX  AND XXXX HAS ACCOUNT ON MY CREDIT THATS NOT MINE. 

PLEASE DELETE ASAP.

Accounts:

Account name XXXX XXXX-Account number--XXXXXXXXXXXXXX
XXXX XXXX XXXX-Account numbe-XXXXXXXXXXXXXX
Account name XXXX XXXX XXXX XXXX  -Account number-XXXXXXXX
Account name XXXXAccount number-XXXXXXXXXXXX
Account name XXXX XXXXAccount number--XXXXXXXXXXXX
Account name XXXX XXXX XXXX-Account number--XXXXXXXXXXX
Account name XXXX XXXX.-Account number-XXXXXXX
Account name XXXX-Account number--XXXXXXXXXXXXXX
Account name XXXX XXXX XXXX XXXX--Account number--XXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: EQUIFAX, INC.
State: CA
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 spoken with all 3 credit companies about my credit report for them to remove some things on my credit report and I've given them over 60 days so I'm reaching out to cfpb for help. I'm aware of my rights to privacy and confidentiality under 15 USC1681. 
I want XXXX, equifax, and XXXX  to remove these accounts off my report immediately.. 
XXXX XXXX XXXXXXXX for {$55.00} the account was closed and charged off. 
XXXX XXXX XXXX  for $ {$410.00} the account was closed and charged off. 
XXXX XXXX {$800.00} The account was closed and charged off. 
XXXX XXXX {$860.00} The account was closed and charged off. 
XXXX XXXX XXXX {$1600.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXXXXXX {$1300.00} the account was closed and charged off. 
XXXX XXXX XXXX XXXX {$1400.00} The account was closed and charged off. 
XXXX XXXX {$2600.00} The account was closed and charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
It has now been over 30 days since Transunion received my certified/return receipt letters disputing inaccurate information on my report, and have failed to investigate. Therefore, the negative items on my report should be deleted. 

All correspondence attached. 

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 explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NC
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:
To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNT DIPSUTED HAS TO BE REMOVED OFF MY CREDIT FILE FOR ITS BEEN REPORTING INACCURATELY. IT WAS PREVIOUSLY REMOVED AND NOW ITS REPORTING WITHOUT MY KNOWLEDGE. PLEASE HAVE THE ACCOUNT REMOVED OFF MY CREDIT FILE.

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 2023-05-29
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-22
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: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/21, I was not able to use my Citi XXXX card at my local XXXX. After several tries, I still couldn't use it. On XX/XX/21 at XXXX, I received an email from Citi saying that they needed to speak to me because they suspected fraud charges on my account. I went online and there weren't any unfamiliar charges. Today, XX/XX/21, I called at XXXX ( and spoke to 4 different reps ), who sent me through a long process of verification that was not only outdated but borderline predatory. I was asked for a home phone number, to which I replied I didn't have, then was asked for a different credit card, which I didn't have, then was asked for a family 's phone number, which I didn't feel comfortable giving, but at this point 1 hour in, I relented, and she said it wasn't able to be used as a verification method. This went on for a long time as I was asked for a lot more personal information, and I was told the only way to use this credit card again is to wait for a letter in the mail. I have so many things I need spend money on and I absolutely can not wait 1-2 weeks for a letter to come. I feel like Citi 's practices here are predatory and outdated, especially for a credit card that has an annual fee of {$95.00} on it. I tried 4 different reps and no one could help 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 2017-12-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ATM dispute that happened XXXX XXXX casino XXXX last XXXX XXXX, XXXX for the amount of {$700.00}. I did multiple cash ATM withdrawal of {$200.00}, {$200.00} and {$500.00}. Hence my cash withdrawal limit for a day is {$1000.00}, I want to obtain more cash as cash advance from my credit card to cash advance machine requesting amount of {$500.00} but it was declined. Then I tried to lower it for {$200.00} and continuously declined. I received no cash. The following day I checked my online banking and it showed on my checking account of {$700.00} as ATM withdrawal. I then contacted Citi bank customer service and the representative told me that if I did not receive that amount then my account reflect this right away. In short there were 3 dispute transactions of {$700.00} the bank temporarily credited to me while the claim was in process and all of these Citi bank send me letters that transaction was legitimate and they pulled the amount back out of my account that they reimbursed. I feel pretty alone in my fight. If I did receive this amount, I would have just move on However, I certainly did not. Which is why I have invested so much time and been so persistent. You are somewhat of a last resort and I would greatly appreciate any help I could get.

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: EQUIFAX, INC.
State: NJ
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: OH
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 XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX Account Number # XXXX, Account name : XXXX  XXXX Account NumberXXXX XXXX, Account name : DEPT OF EDUCATION/XXXX Account Number # XXXX, account name XXXX XXXX Account Number # XXXX, account name XXXX  XXXX XXXX Account XXXX # XXXX, account name XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXX XXXX Account Number XXXX, account name XXXX XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXXXXXX XXXX XXXX Account Number XXXX has, account name XXXX  XXXX/XXXX  XXXX  Account Number # XXXX, account name XXXX XXXX Account Number # XXXX XXXX account name XXXX XXXX Account Number # XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing in regards to a wrongful debt allocation by XXXX XXXX XXXX XXXX to the tune of {$4300.00}, as I have no knowledge or records of the debt in question. 

As we a few hard inquiries from XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please remove these negative items from my report I have been disputing items off my report for a long time this is stopping me from getting my car and my home for my children which is very hard on me these items has no validity and have not been proven

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 2023-08-22
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:
This is XXXX XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXXXXXX XXXX Balance {$64.00} ; XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2018-10-02
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have already submitted a complaint about Nationstar Mortgage / mr. cooper and I have not had any luck getting them to admit they are in the wrong. I continually receive excuses with phrases like, " we are sorry for the inconvenience '' " we are sorry for the trouble this has caused '', " more research should have been done '' etc ... 

Nationstar Mortgage/mr.cooper sent my house into foreclosure in error. They have charged me a foreclosure fee of {$2000.00} even though I have tried to have this charge removed they have sent me the following response : " The foreclosure fees of {$2000.00} are valid. We show that a Demand Letter was sent to you dated XX/XX/XXXX, and indicated that the account needed to be brought current by XX/XX/XXXX, otherwise the account would be referred to foreclosure. The account was not brought current on that date and was referred to foreclosure on XX/XX/XXXX. As such, the foreclosure referral was valid and unfortunately will not be waived. '' I received a copy of a Lis Pendens, Summons and Complaint Foreclosure - Non Jury that was Electronically filed on XX/XX/XXXX by, XXXX XXXX  XXXX, XXXX, attorney for the plaintiff, Nationstar Mortage LLC d/b/a mr. cooper, to the State Of South Carolina County of XXXX. 

This was the same day, XX/XX/XXXX, that I called in to make a payment. I was told not to make a payment until my misapplied payment from XX/XX/XXXX was found and applied to my account. No mention what so ever that my home was already sent to foreclosure or any mention of Nationstar 's attorneys. 

As I explained to Nationstar / mr. cooper, I contacted my dedicated loan specialist, XXXX XXXX, on XX/XX/XXXX with several questions about my mortgage and payments and I was informed not to worry if I should receive papers about a foreclosure on my home, I was indeed not in foreclosure. She did inform me that my lost payment from XXXX had now been found and had been applied to my account. 

I received a letter from mr. cooper dated XX/XX/XXXX and it reads : " Failure to pay {$4100.00} by XX/XX/XXXX may result in acceleration of sums secured y the security Instrument, foreclosure proceedings and sale of property. '' I then received a copy of Consent stipulation of Dismissal and Cancellation of Lis Pendens that was filed with the XXXX Clerk of Court by the plaintiff 's attorney XXXX XXXX  XXXX, XXXX. dated XX/XX/XXXX. 

As you can see I was put in foreclosure in error by Nationstar Mortgage/mr.cooper but , yet I am still being charged {$2000.00} foreclosure fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
In addition to this complaint I have made the initial consultation on filing a civil suit for the incorrect reporting I have an inquiry on my credit report from about seven months ago from bank of america. I attempted to fix this with them and they stated that there investigation showed it came from areas indentified as me such as ip and email. 
I have since changed my email address but can not do so with IP I requested all documents from bank of america and they refused I requested a copy of credit application and they refused I REQUESTED IP address and they refused. 
I cant find out if someone I know tried to steal my identity because bank of america will not coporated. 
I did not make the credit application and the inquiry is not mine

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