BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-15
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX XXXX  who was affected by a shut down. Although this has happened my husband and I made plans to catch up with our mortgage payments by paying two payments each month. We called Nations Star Mortgage d/b/a Mr. Cooper who agreed to this over the phone and by sending up follow up mailings to this fact. The payment arrangement also shows up on their website when we log in. However, we have been harassed by collectors calling us as soon as a payment was debited from our account. We also have gotten text messages and automatic dialers as late as XXXX. This is at least our 10th time contacting CFPB concerning Nations Star about similar miscommunications, who coincidently, changed there name recently to Mr. Cooper. The times that I have answered a call from them, I ask them why were they calling me and I was told because we have not received a payment. This is the point where I lose it but I have already seen my bank account debit {$2200.00} payment to months in a row. They tell me they do not see this ... .At a time like this, when our income is at risk, but the company is receiving payment I find this to be harassment. We have contacted an attorney 's firm with this information because this company will only respond to this compliant once and say they did not wrong. They will send me pounds of payment history afterwards just to tell us what we already know, that they have received the payment. There are numerous violations we have suffered at the hands of this collection firm concerning our mortgage. As a federal employee, we have not received a lump-sum payment, but we have received funds to pay our creditors and now that paychecks have resumed, its time to re-pay advance loans that were given. I should not need to keep watching Mr. Cooper every mood when my income comes from the government. As a result, I will contact my government POC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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:
On XX/XX/2023, I sent a letter regarding accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: U.S. BANCORP
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I recently purchased a prepaid XXXX XXXX XXXX XXXX ( US BANK NATIONAL ASSOCIATION ) ( XXXX ) ( XXXX ) at XXXX XXXX Grocery store in XXXX, Utah an loaded {$50.00} onto card and was told no hidden cost or charges just the cost for the card. When I tried to buy an XXXX ticket over the Phone XXXX told me that the zip code that I had used XXXX for XXXX did not match the card so an incident was filed and the Vender, not XXXX but the company selling these XXXX Debit cards, XXXX charges me a 15 percent incident charge equaling {$7.00} off my {$50.00} debit card so that I could no longer purchase that {$50.00} XXXX Ticket. I had to use the remainder of the card to purchase another prepaid debit card but this time from another company and this time instead of buying ticket over the phone I purchased the ticket on XXXX 's website. This hidden cost was on a tiny piece of paper hidden and glued inside part of the paper folder the debit card came in. A card may say XXXX or XXXX Charge but is not actually put out by XXXX or XXXX charge and that is Fraud! Like buying a said to be XXXX product security program that actually is not from 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 2023-09-09
Company: Experian Information Solutions Inc.
State: NC
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2022-11-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have no knowledge of this account on my credit report. I have written and called multiple times. I've requested proof of the account legitimacy. I still have not received anything from the company or the credit bureau showing my ownership of this account, or in fact who it truly belongs to.

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 2023-05-27
Company: Block, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
So I have an account with cash app I had to completely make a new account because my card kept get hacked and I was losing money from my account now even with the new account I made it is still happening. I have reported several times to cash app support and when it first was happening 2019 they were actually good about refunding me recently its been happening with several different places just taking money off my card left n right and cash app keeps denying my disputes when I asked for documentation for why its being denied I was told they wud send it to me but I have never received it. The following places are some I dont even recognize such as XXXX, XXXX, XXXX, XXXX then theres XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  etc I keep my cash app card locked constantly cuz of these constant withdrawals I have ordered new cards and the same thing continues to happen I have asked for these merchants to be blocked but they are still charging my card I have asked what I should do and they dont give me an answer and I cant get ahold of anyone by phone for cash app now I have money on there still and my card doesnt show up anymore to even use the money left on the account when I try to order a new card it doesnt let me so now I guess they took away my card completely and arent letting me get a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On or about XXXX XXXX, 2016 I received a letter stated that Huntington Bank had not received my mortgage payment on Account No. XXXX. On or about XXXX XXXX, 2016 I visited the XXXX XXXX Branch and met with the Branch Manager XXXX XXXX I presented him copies cancelled checks on both mortgage accounts. He called the account center and after research stated they found record of payment received and could not understand why the late payment letter was generated. 

On of about XXXX XXXX, 2016 received a call from Huntington Representative XXXX XXXX He stated that they had not received my mortgage payment. I explain my meeting with XXXX XXXX. On or about XXXX XXXX, 2016 received a called from Huntington Representative XXXX XXXX, he stated they had not received payment but later changed his allegation and stated they received a payment of {$2000.00} but my mortgage payment amount is {$2300.00}. I emailed a copy of my cancelled check showing Huntington cashed my check on XXXX XXXX, 2016 in the amount of {$2300.00}. My mortgage due date is XXXX XXXX, 2016. 

I have had this account for about 15 years. To the best of my knowledge I have never been late. It appears that Huntington Bank is attempting to jeopardize my excellent credit history so that I will not qualify for a line of credit on another account. 

Copy of cancelled check and mortgage invoice attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-05-27
Company: Westlake Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX  date open XX/XX/XXXX for the amount of {$1700.00} debt not owed XXXX XXXX  amount {$770.00} date opened XX/XX/XXXX XXXX  XXXX date opened XXXXXXXXamount owed {$600.00} XXXX XXXX XXXX  {$290.00} account opened XX/XX/XXXX debts are not owed

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 2021-09-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settled the debt in XXXX. Nissan NEVER REPORTED IT TO THE CREDIT BUREAUS. They even continued to respond to disputes with incorrect information saying the debt was still owed. I called them multiple times and they swore up and down they would fix it. Now my credit is damaged and unable to get a mortgage due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: Experian Information Solutions Inc.
State: IL
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 that I am never late for but they're reporting me as late.

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 2023-09-14
Company: EQUIFAX, INC.
State: NC
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 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 2023-07-28
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:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-07-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I never recieved any notification I owed a debt. Company never notified me of debt, never sent any information validating debt nor any notification of my rights to dispute the debt. Balance is over double original balance with no validation or explanation. Account has went from open to closed to collections and back to open several times within the last 5 years on my credit report. I have never owned the car they state I financed nor do I have any information regarding vehicle.

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 2023-03-05
Company: Experian Information Solutions 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:
I am an XXXX data breach victim. I was a part of the class action law suit against XXXX and was awarded some financial relief in reference to my information being leaked on the dark web. 
This is a violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ). 
I am submitting an identity theft report along with other personal identifiable information. 
Here are the fraudulent items that are a result of Identity theft : XXXX ) XXXX XXXX  Account # XXXX XXXX ) XXXX XXXX XXXX Account # XXXX These items are combined {$5600.00} of debt that I can not afford to have on my credit report. 
Experian credit report # XXXX I have filed a report with the Federal Trade Commission report # XXXX and attached it in this complaint. 
I have also attached personal identity verification documents in accordance with the FCRA 605B ( 15 U.S.C. 1681c-2 ) Which requires a personal statement, Identity theft report and Identity verification documents such as a drivers license and social. 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 2021-06-01
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I had equifax remove a fraudulent collection about a month ago, and I noticed that they were reporting an account as open that has been paid in full about 2 years ago. Instead of removing the fraudulent report, they dropped my.credit score 58 points. Also, I have never received payment for the lawsuit that they sold 47 million people 's personal information on 2017. They are also showing a fraudulent medical bill on my credit report. It is my understanding that this type of bill would be part of my medical records and they have broken the law by accessing my medical records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
My school loans are reporting 90 days late in XXXX from each Credit agency. How can they be 90 days late in XXXX when XXXX and XXXX are reporting OK and paid on time. Please Delete the inaccuracies accounting to the fair credit act. 

Accounting to the U.S Government, the school loans have been on pause through 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 explanation
Consumer complaint received 2023-05-27
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:
Well today XXXX XXXX at XXXX XXXX  I received a Notice from a Jefferson Capital Systems LLC . Saying that I owe the amount of XXXX from XXXX XXXX. I don't know anything about this, I never been with XXXX XXXX. 


Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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