BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-23
Company: NATIONSTAR MORTGAGE LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. According to the account information I received from attorney XXXX XXXX, dated XX/XX/XXXX, it states within the foreclosure document my note was in default XX/XX/XXXX and a notice was mail. Furthermore, in order for XXXX XXXX XXXX to mail me out such an notice of default I wouldve have to miss two monthly mortgage payments to be considered in default of the note. Please note my first date of delinquency should be XX/XX/XXXX. When four miss mortgage payments occurred is when any foreclosure proceedings can start on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: ENCORE CAPITAL GROUP INC.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The keep calling from 20 different phone numbers and hanging up, its Midland Credit. I dont owe them anything and they are harassing me with robo calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-27
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a creditor Seq Fin Services putting medical bills not belonging to me at all but by my husband who i am and was seperated from and had no knowledge of this debt or its occurance. Suddenly The company sequoia put the debt under my credit bureau despite me telling them i am not the debtor they didnt care and said they will collect the money from me instead.. I am not the owner of the debt at all. I reported this to XXXX  XXXX failed to get proof of this debt not belonging to me and failed to remove this from my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax does not want to give me a credit report, the credit opportunity that the country offers us Equifax is denying me, XXXX does report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ) I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
I checked my personal credit report, which I acquired from your organization on Equifax Report XX/XX/2023 and I noticed that this Inquiries had been made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: TX
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TX
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.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2XXXX 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 explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: AZ
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 Account name : XXXX  XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX XXXX Account name : Department of educationXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-17
Company: NRA Group, LLC
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a text on XX/XX/2020 at XXXX XXXX cst informing me of my attorney to contact national recovery. I have never heard from them or spoke with them before that day. I was asked to contact them at XXXX which I did. I verified my phone number and social security number with the representative. She informed me this was in reference to a debt that I had with XXXX XXXX XXXX some time ago. I was told there is an outstanding balance owed of {$800.00} and was asked if I had committed fraud against XXXX XXXX XXXX or did I run into a financial hardship. 

I can not remember the representative name but she sounded as if she was from XXXX or somewhere in that region, she offered a settlement of {$500.00} and I informed her that I could not pay that today. She asked if I could pay {$200.00} a month and I said no, then she started to get aggressive and I said {$150.00} a month I believe I could handle that. I proceeded to ask her for a letter in writing stating this payment plan, so I could have proof from their company in writing and she refused. She became hostile and verbally abusive to me. She stated that I just needed to give her my bank card or information. She would not allow me to explain why I was not comfortable with handling this matter this way. She then proceeded to tell me that I should get an attorney and that she is logging this conversation as a refusal to pay. I did not get a chance to say another word, because as I attempted to dispute her remark that I was refusing to make arrangements she hung up in my face. I have never in my life been treated so terrible and I know that is not in compliance with FDCPA laws and that I have rights as a consumer. I ask that you please assist me by investigating this company and their tactics. The representative also stated that she was in the legal department. Lastly the representative stated that she is turning my file over to the clerk of court office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The State of Virginia offers property tax exemption for XXXX XXXX XXXX and XXXX XXXX veterans. I have provided my mortgage company with the required documents as well as additional requested documents that include a sealed and certified letter from the state that verifies my exemption status. I have called Freedom Mortgage multiple times to have them fix the situation but they continue to request additional documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: IL
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:
Credit information is being reported as delinquent, when I paid it off years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-06-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquires from XXXX of 2020- XXXX of 2020. That I have no knowledge or memory of nor of giving consent and need them to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Affirm 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:
AFFIRM INC, is showing on my creadit report as a lone being taken out with multiple accounts under my name totaling XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In late XX/XX/2021, my wife and I started the process of looking for a mortgage to purchase our first home. We settled on Bank of America ( BOA ), despite our lawyer advising against it due to some bad prior experiences. However, BOA provided the lowest rate and closing cost estimate. 

Long story short, our initial mortgage officer ( NMLS # XXXX ) made various mistakes such as quoting me a different interest rate then what was actually provided. The individual was also not aware of what the processing department ( i.e., underwriters ) was doing because I had to inform the officer when the appraisal will happen and when it was done ( information my realtor provided ). Moreover, when an error occurred, the officer kept quiet and avoided responding to my emails, messages, voicemails. After all the incompetence, the officer 's manager ( NMLS # XXXX ) had to step in and take over our file. 

The situation only got worse because the manager told me I had to fire my attorney. After a couple of hours of confusion and panic, the manager told me to ignore the request. Apparently, someone at BOA thought my attorney was the bank 's attorney and did not see the name on an approved list. I also learned that it is typical of BOA to leave things to the last minute mainly because the processing department controls the show. The individual processing our file did not get to it until very last minute. My attorney and the bank 's attorney did not get the final documents until after XXXX the day before the close. There is more to the story, but I will end my complaint here. Avoid BOA for your mortgage!

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 2023-02-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
When I originally started falling behind in my mortgage, I reached out to Wells Fargo Bank for a loan modification or payment arrangements, but I was only given two options. 
The payment plan included a payment which was 1/2 more than the original payment plan which did not help. If you can not make your original payment, how can you pay the payment plus 1/2.

The next time I reached out to the lender I was told that flat out I could not afford the property. 

I filed XXXX  in XXXX and the judge signed off on given the property back in XXXX of XXXX. Wells Fargo did not start their process until XXXX, causing me to be imposed water bills for almost two years. They imposed forced insurance fees causing the due to them extremely high. Remind you they were given the ok to take possession of the property in XXXX. 

XX/XX/XXXX, I receive a XXXX with an inflated fair market value of the property for XXXX. The property value is incorrect, and the lender has increased this amount. The last property value I received listed the property well under XXXX. Where did they get these XXXX jump in property value from? The neighborhood property values don't support his price. 
Additionally, the XXXX stated that the date of XXXX was XX/XX/XXXX, which contradicts the date of the insurance cancellation. 
Wells Fargo sent a notification of cancellation of lender placed insurance date of XX/XX/XXXX. This is one month later than the Acquistion date of the XXXX. These dates are not corresponding, and I feel they are just trying to rack up more money for me. 

The interest rate charged was way above average. Wells Fargo is a predatory lender!

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 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I need to remove the hard inquiries from XXXX  since they denied my credit increases and ran my credit when it should have been a soft pull. I feel I was misdirected or mislead it has impacted my credit score a lot.

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 2023-12-08
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Transworld called in XX/XX/2023. Requested details of the alleged amount. Nothing was received. 
Transworld called XX/XX/2023. Requested details again. Nothing given over the phone. They will not send details. 

They indicate they are collecting for XXXX XXXX XXXX. My wife contacted the Hospital and we have no outstanding bills with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, 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 previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the XXXX XXXX XXXX XXXX XXXX XXXX  you are required to investigate and update, correct, or remove erroneous information being reported on my XXXX XXXX. You have not complied with the XXXXXXXX XXXX and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request XXXX you to please correct my Credit File by updating or removing the following items off from my Credit Report : XXXXXXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX  account number # 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 602 A Section 2. It also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 am writing in regard to my personal credit information being shared on my consumer report. Pursuant to federal law 15 U.S.C. 1681a and 1666b, there is certain information being shared on my consumer report that I would like to cease immediately. This includes transaction and payment history information that is explicitly excluded from being shared. 

As you may be aware, under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) are required to follow certain procedures in order to ensure the accuracy and fair reflection of the information in their reports. These procedures include but are not limited to, the requirement that the CRA must limit and remove any information that is exempt ( i.e. illegal ) from being shared as stated in their own laws. 

The accounts that are legally exempt from being shared are : XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX I would like to request that you immediately take action to remove this credit information from my consumer report, as required by federal law. Additionally, I request that you take appropriate steps to ensure that this does not happen again in the future. 

I look forward to your prompt response and resolution of this matter. 

Sincerely, 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