BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Nationstar, now Mr. Cooper, told me to go into foreclosure when I was unable to make payments on my mortgage in XXXX. The loan was in default for a number of months. I believe it was XXXX or XXXX when the default began. Nationstar took many months and many lengthy phone calls and lots of back and forth via email and so much paperwork before the company finally modified my mortgage, which went into effect XX/XX/XXXX. From that time through the end of XXXX, payments were made timely. I sold the property and satisfied the mortgage loan and additional loanich at the end of XX/XX/XXXX. Today, I am hoping to buy a property, but XXXX shows on my credit report that during those months when the loan was in default that it was in foreclosure. It was my understanding that the loan did not go into foreclosure. On XXXX, in fact, it shows past due, not foreclosure. Beginning with the first month that the loan was past due, the label on XXXX is " foreclosure. '' Nationstar refuses to remove the label of foreclosure, insisting that it went to foreclosure department even though I was in negotiation to modify my mortgage. Mr. Cooper ( Nationstar is keeping me from buying a home, which I very much need to do during this time when prices are rising but mortgage rates remain low and I'm in the last tier of my life at age XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : { 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 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 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 } Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 1XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

THANK YOU, XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TX XXXX USA 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 2019-02-11
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: Public record information inaccurate

Complaint:
The Chapter XXXX Bankruptcy was filed XX/XX/2011. It should also be removed from my credit report either way as enough time has passed per the law that it should no longer show up on my credit report and give me a negative rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Continental Finance Company, LLC
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is a continuation of the same complaint # XXXX for the same company ; Continental Finance .

Now, I discover they have closed my account with no mention of it whatsoever, even though the account is still online and I am able to access it.

The company will not even tell me why it is closed. Unbelievable. 

They just took my payment of {$100.00}. 

This has negatively affected my credit as XXXX is showing I now have less credit accounts. 

This company has had it out for me from the beginning with mishandling and manipulation and I believe this has veered well into criminal fraud and gross mismanagement and manipulation in order to obtain higher profits. 

I have been working with a company rep on this and he made considerable changes to the account on my behalf. I thought it ended there, and I just kept making my payments. Then, surprise, I see my account with them is closed. Well, sort of closed, they are still taking my payments. 

I would like to pursue this in court. I would like to know how to do this. Credit card companies should not be able to act like this. 

Do NOT get a credit card from " XXXX '' or Continental Finance. That would be my advice. Or, you can, and just take your chances whether they will mismanage your account as well while damaging your credit. 

I have screenshots, history, email conversations to prove my every statement. 

I am done, they need to be held accountable. I want to see them in court. 

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 2022-04-02
Company: Experian Information Solutions 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX IL ) 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 2022-04-02
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX IL ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
I would like to see them return my money and and pay off my car for asking for a down payment of XXXX and pressuring me to buy an extended warranty for XXXX. So a car that started off at XXXX ends up costing XXXX Which the car isnt even worth that much. 
As a woman I felt like I was being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
everytime i contacted c collection companies they did not have any of my info ( ss #, date of birth ) or anything. never could find the the accounts yet they keep reporting these items to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/18 I contacted XXXX XXXX customer service, to inquire why I had received paper statements for several months when I have never received them before ; I was signed up for electronic statements. I was informed that their credit card platform was in the midst of a " platform update '' and that my current web browser didn't support the update. Being personally aware of the IT field and software platforms I communicated that the information the customer service rep offered as an explanation was technically inaccurate. I also communicated that I did not want to receive paper statements through the mail for security reasons ; the customer service representative offered no other options to turn off receiving the paper statements and said it would last until the platform update was complete. On XX/XX/18 I attempted to log in to my online account and it seems the " platform update '' is complete and was prompted to update security questions and re-enter secure account information, including my full name, full XXXX XXXX account number, social security number digits, and security code on the reverse side of my credit card. I was also prompted to download a document from the internet in order to sign up for electronic statements only. Since I had received no official communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) that such a change or update to the site was occurring, I was wary of entering secure information on an unfamiliar website. I again contacted XXXX XXXX customer service to inquire about the validity of this new website and security question procedure. I also wanted to provide feedback that I was unhappy with receiving zero communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) of these changes to my account, what feels like careless handling of secure account information, and of the platform update which I would not been privy to unless I has called over the summer about the paper statements. The customer service representative placed the call on hold several times when I inquired to share this information and my dissatisfaction with the handling of my secure account information, and on the final hold, I was disconnected from the call through no fault of my phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: BARCLAYS BANK DELAWARE
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:
Dear Sir/Madam, I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a matter regarding an unfair credit report entry associated with my account with Barclays, specifically the XXXX XXXX XXXX. 

Around XX/XX/2018, I discovered a 30-day late payment reported on my account. This took me by surprise as I have always been conscientious about making timely payments for all my financial obligations. Upon inquiring with Barclays, I learned that the late payment was attributed to an annual fee that had been added to my account. Unfortunately, I had not been alerted to this fee, nor had Barclays sent any communication regarding this forthcoming charge.

I am deeply concerned about this situation for two main reasons : Firstly, the lack of communication on the part of Barclays resulted in an unexpected charge, leading to an unintentional late payment. Secondly, this erroneous report has adversely impacted my credit score, which could potentially affect my ability to secure credit in the future. Please note that my previous payment history with Barclays, as well as other financial institutions, has been flawless. This incident is not indicative of my financial responsibility and commitment.

Despite my attempts to rectify this issue directly with Barclays, an acceptable resolution has yet to be reached. Consequently, I am reaching out to the Consumer Financial Protection Bureau for assistance in this matter.

In accordance with the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report. Given that the late payment resulted from insufficient communication from the lender, I assert that the report is inaccurate. Therefore, I am formally requesting an investigation into this matter and the subsequent removal of the 30-day late payment from my credit report.

I have enclosed with this letter pertinent documentation supporting my claim, which includes records of communication with Barclays and a copy of my credit report highlighting the disputed late payment.

The Consumer Financial Protection Bureau carries the significant responsibility of ensuring fair financial practices, and I appreciate any assistance you can provide in resolving this issue. I am confident in your agency 's commitment to protecting consumers like myself from such misunderstandings and unintentional errors. 

Thank you for your time and consideration. I look forward to your prompt response and am hopeful for a swift and fair resolution to this matter. 

Sincerely,

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 2018-11-10
Company: Larry H. Miller Group of Companies
State: AZ
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:
XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My XXXX credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my XXXX  credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact rally motor credit to update my credit report removing this negative information to no avail. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I received an unexpected US Bank Reliacard on XX/XX/XXXX. The accompanying information said " Colorado Department of Labor and Employment ( CDLE ) automatically issues a Reliacard to every claimant who files for and is approved to receive unemployment benefits. '' I am retired and have not filed for unemployment. 

My first action was to contact US Bank 's Cardholder Services at  XXXX. After 30 minutes on hold, XXXX informed me I had the wrong department and transferred me to XXXX who told me I had the wrong department and she transferred me again. After 45 minutes on hold I gave up! 

I called the CDLE on XX/XX/XXXX and was informed by XXXX a claim for unemployment had been submitted in my name but that no payments had been made and the claim was locked. He also said he is seeing many of these cases.

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 2023-09-15
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
This is completely inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 non-monetary relief
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXXXXXX 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