BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a notice from XXXX XXXX XXXX leasing office in XXXX, TN that I owed {$1800.00} in back rent. I immediately called the leasing office to ask how is it that I owe back rent when I have paid my rent on time and full for the past three years. The person who answered the phone hung up on me. On XX/XX/XXXX I was delivered a Detainer Warrant to appear in court on XX/XX/XXXX, at XXXX : am in General Sessions court. I continued to pay rent. I paid XXXX rent on time. 
I went to court on XX/XX/XXXX at XXXXXXXX XXXX. and waited for docket # XXXX to be called. That docket number was never called and I didnt see anyone from XXXX XXXX XXXX I recognized. The docket # was never called, but instead rescheduled for XX/XX/XXXX at XXXXXXXX XXXX I called the General Sessions Court and spoke with court clerk and she told me that the case was a continuance and rescheduled for XX/XX/XXXX at XXXX XXXX  I went to court and my case still wasnt heard. 
I went to the leasing office XX/XX/XXXX, to pay rent and the office manager told they were no longer taking rent from me. She didnt tell why. I told her I had already paid XXXX rent. She told me that she knew and it was in their attorneys office. The case wasnt being heard and I contacted XXXX XXXX office via email and let them know I would be moving out in XXXX. I had been to court many times and my case hadnt been heard. In XXXX In went to General Sessions Court and received a print out of a document that a writ had filed on XX/XX/XXXX for eviction. The document had the initials XXXX, the wasnt me initial of my first but my daughters first name, but she didnt live in Tennessee or has never been to Tennessee XXXX I never mentioned my daughter to the leasing office or anyone else in the building. 
Before moving I made every attempt to share the documents I had with the leasing office and corporate office located in XXXX, TN to show that my rent was paid on time every month and in full. They never bothered to respond. 
Before moving out on XX/XX/XXXX I made sure was clean and livable. I handed in the apartment key to the office manager, the key fob, and mailbox key. I offered to pay for the months from XXXX to XXXX which would have been {$3000.00} with a down payment of {$860.00} with a notarized statement. They refused. There was a court date scheduled for XX/XX/XXXX and I returned to XXXX hoping this case would be finally resolved. This was my 10th court appearance. A collection agency in XXXX, Georgia National Credit Systems case # XXXX has a reported amount of {$4900.00} from XXXX XXXX XXXX XXXX. 
I been to court a total of 10 times. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-03-04
Company: Kikoff Inc.
State: NC
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:
I received a letter from Kikoff Lending stating that my account would be closed due to missed payment and reported delinquent. However, upon the agreement terms with the company, it states that if the account is closed and has funds built up in its wallet, the company would use the funds in the wallet to cover the unpaid amount. My account had the funds in the wallet to cover the unpaid amount. 

I reached out to Kikoff support via email on XX/XX/22 to request additional information and they responded stating that no account was located and there was no balance due. 

I received an alert from XXXX today that Kikoff Lending reported my account as " closed, paid. delinquent. '' This company has violated its OWN agreement terms as well as the FCRA reporting guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper was my mortgage company for a property I purchased. 

A couple months prior to expiration date of my property mortgage insurance, my insurance agent and I faxed and emailed reinstated proof of insurance for the property covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. 

After receiving non-renewal from Mr. Cooper, I called. Emailed and faxed over the proof of insurance. My agent also emailed the proof of insurance. 

Mr. Cooper sent me non-renewal letters after that to which I called and asked how many times do I and my agent need to forward the proof of insurance before Mr. Cooper updates their file. 

On XXXX XXXX, XXXX, after receiving another non-renewal letter from Mr. Cooper, I called them. ( As of XXXX XXXX, XXXX, Mr. Cooper mortgage transferred my loan to XXXX XXXX XXXX ) I found out on XXXX XXXX, XXXX that Mr. Cooper has been billing me for home insurance policy and that Mr. Cooper paid out {$1100.00} on my behalf for this insurance. I was told my loan account showed having two policies. Mr. Cooper actually got an insurance for me and has been billing me. I have been paying this without knowing!. A lady named XXXX at Mr. Cooper told me I will be receiving a refund check within 5-10 days. 

I still have not received it. When I call Mr. Cooper, I was put on hold and after few minutes, I would get cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: 21ST MORTGAGE CORP.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The mortgage company continuously shared my financial information with a third party with an obvious intention to force a pending payment in direct violation of the consumer privacy protection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: MI
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:
( XXXX. XXXX ) This company is a debt collector that recently added a collection account to my credit profile which I have no knowledge of. I have never did business with this company nor gave them consent to share/obtain my social or personal information. I have a right to privacy This account is under litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-12-19
Company: NATIONSTAR MORTGAGE LLC
State: IN
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:
As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by Nationstar Mortgage that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ XXXX. 
Clearly ... this appears to be another retaliation from Nationstar due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX Chapter XXXX bankruptcy petition US BKPT CT TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX Employers Select as many as apply 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 2023-11-20
Company: EQUIFAX, 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:
Despite my attempts to clarify the validity of these debts with XXXX XXXX XXXX XXXX XXXX XXXX, they have failed to provide any documentation confirming the legitimacy of the reported charges. Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I kindly urge you to provide proof of the charge-off status for these accounts. If you can not provide such evidence, I insist on the immediate removal of these accounts from my credit report. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please remove these fraudulent accounts in my credit ASAP. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: GA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Billing dispute for services

Complaint:
I am permanent XXXX XXXXXXXX person, I have SSA and Medicare coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX  {$200.00} / XXXX XXXX XXXX XXXX  ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: IN
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 am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-21
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They are threatening to add this to my credit report in a month. I know for a fact this is illegal & completely unfair. This is identity theft & I want it removed from all credit bureaus as a soon as possible please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any 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 non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: CA
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 and request the correction of inaccurate late payment reporting on my credit report. After a thorough review of my credit history, I have identified discrepancies that require your urgent attention. 
XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or XXXX customer service. I am aware of my rights under the Fair Credit Reporting Act, and I trust that you will handle this matter with the urgency and diligence it requires. The inaccurate reporting of late payments has a significant impact on my credit score and financial standing, and I am eager to see a prompt resolution to this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: MortgagePros, LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I recently refinanced my home with Mortgage Pros, a XXXX  based loan orginator. I was allowed two months of time before I needed to pay again. That month is this XXXX. I have repeatedly contacted the loan officer for details but have been ignored by text, telephone and email. I fear a default or foreclosure in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, my wallet was stolen as a result of my car window being smashed. I reported my cards as stolen to Chase and canceled my debit and credit cards. I reported it to the police immediately and filed a police report On XX/XX/XXXX, I went to use my debit card and it was declined. I went onto the Chase app and I had negative funds and my account was frozen. Confident that I was not the cause of an overdrawn account, I called Chase to clarify. 

On XX/XX/XXXX, a check was deposited into my account for {$3800.00}. I did not deposit this check, nor do I know the owner of the check. Then that same day at the XXXX XXXX XXXX Chase branch in XXXX, WI, someone withdrew {$2500.00} out of my account. I am assuming they used my ID as it was in the stolen wallet. The person forged my name and signature on a withdrawal slip. This was all allowed to happen even though I had reported my cards as stolen. A canceled debit card was used at the time of withdrawal. 

On XX/XX/XXXX, I went into the XXXX XXXX XXXX, WI Chase branch to take care of this situation. I provided them with a police report and a fraud claim was filed. 

On XX/XX/XXXX, I opened a new Chase account at the XXXX XXXX XXXX, IL branch. The banker also indicated that all my auto pays would directly default to my new account for one month. At the time of opening my new account, I had no funds because they were stolen from me so I had no money to go into the new account until my fraud claim was settled. 

On XX/XX/XXXX, I was informed that my new Chase account was now frozen because some of my auto pays tried to charge my account but as stated above, I had no funds because XXXX they were stolen from me and 2. I was told not to worry about my auto pays because they would be covered by the new account ( which had no money in it ). I returned to the XXXX XXXX XXXX branch on XX/XX/XXXX to resolve the issue. At this time, I was told that Chase Fraud never received my police report and so no progress had been made by the fraud dept. The very helpful branch manager called to try and resolve the situation but the Chase phone operators told them that my new account is locked and will remain locked because of insufficient funds ( again I have no ability to put in funds because of the fraud claim ). Chase also told me I would have to open a THIRD account because my original account and new account were compromised. 

To this date, XX/XX/2023 I have waited 10 days for Chase settle my fraud claim and return my money. I have also been locked out of my bank account since XX/XX/XXXX. In this situation, I feel that I did everything right. I immediately reported my cards as stolen and canceled all cards. Chase allowed someone to make very large withdrawals, two hours away from my home using a debit card that was reported as stolen. I have spent countless hours trying to resolve this issue and I still remain without my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX electronic billing system stopped sending out bills last summer. They did not contact me in writing until after they issued a negative credit reporting from XXXX XXXX after the accounting billing was corrected and paid. XXXX XXXX refuses to correct the record for my account XXXX and continues to report late payments when nothing is due. 

I submitted a written request by Certified Mail to XXXX XXXX for the lack of current billing and account information provided by XXXX XXXXXXXX and they should have made the correction to remove the negative record last XXXX, and they still have not done so.

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 2022-04-11
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX for amount {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