BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: Commonwealth Financial Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted this collection agency after learning about a collection amount on my credit report in XX/XX/XXXX. I spoke to an agent at was told this collection was due to services rendered on XX/XX/XXXX. Upon learning this I immediately contacted my insurance company and they provided me with an explanation of services paid to the provider that clearly states all was paid in FULL. with the exception of my co pay of {$70.00} to which was paid and the original prover confirms this.. I forwarded that proof to the collection agency and they refuse to remove from my credit and also to submit a satisfaction letter to show their error. I believe this is a scam from someone who got our information and they refuse to provide me with proof of said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Transunion is reporting inquiries on my credit report that is inaccurate account information. Informed Transunion numerous of times regarding inaccurate information and credit report. Provided company with proof of account being paid in full and closed. Transunion still refuses to remove inaccurate information

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 2023-04-27
Company: Netspend Corporation
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023, I was blocked using my account and my pin # had been changed, again. not by me. I called the bank and told them I thought there was fraud on my account because less than 1 month ago, on XX/XX/2023, the same thing happened and all my money was stolen from my account via transfer of funds. They said no and guaranteed me I would be able to login to my account in 10 mins. That was a lie, I had to call 3 more times to finally get someone to send me the link to reset my password and when I finally got into my account, it was overdrawn {$100.00} when I had over {$1200.00} the night before. And every time I was on the phone with them, telling them I cant access my account and card was blocked, they were allowing someone to use my account, WHILE I WAS ON THE PHONE WITH THEM TELLING THEM ANY TRANSACTIONS OR ATTEMPTED TRANSACTIONS ARE FRAUD! XXXX {$89.00} XXXX XXXX {$48.00} XXXX XXXX {$19.00}. XXXX {$370.00} XXXX XXXX {$260.00} XXXX {$240.00} XXXX XXXX {$210.00} XXXX XXXX {$20.00} overdraft fee hold due to previous transaction. I called a total of 6 times and told them I was at work and had no access to my account. Seemed all the transactions were happening while I was speaking to them. And I was constantly placed on hold for a few minutes just for them to reroute my call back to the automated system just to have to explain everything all over again to someone else. No one actually did anything to help me only to allow the thieves time to get every last penny out of my account and then some. Then was told I couldnt even file a dispute because all transactions were pending and I would have to wait for them to post to dispute them, then wait another 14 days for provisional credit until they were done investigating disputes. They also didnt notify at all when someone went into my account and changed my email address, phone # and address. 3 different times today. They also allowed someone to create virtual cards on my account without notifying me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I paid off my Nationstar Mortgage " in full '' on XXXX XXXX, 2016, as I am closing on my home. I have made it very clear to Nationstar, I DO NOT need the lean to be recorded as I have been advised by my attorney the XXXX will record at closing. I have been reaching out to Nationstar for the past two weeks requesting the necessary document " ORIGINAL SATISFACTION OF MORTGAGE '' ( release of lean ), so I may close on my home. My buyer has already sold his home and his commitment is due to expire. I continue to get the run-around with Nationstar who is sending me letters stating it takes 30 to 60 days " PREPARE '' the Release of Lien ''. " Once the document is PREPARED, it is sent to the appropriate county for recording. 
I would be very grateful for any help you may be able to provide. I though I was being responsible by paying off my mortgage but instead I feel I am being penalized. I must close on my home ASAP so I do not lose my buyer, but I told I can not close without the " ORIGINAL SATISFACTION OF MORTGAGE. I know this can be expedited as I received the Original Satisfaction of Mortgage within two business day. As of Friday, XXXX XXXX, it was confirmed nationstar had not even started working on my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 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 finish 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 In addition, I sent certified letter to credit agency requesting verification and I did not receive a response and would like this removed 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 2021-07-08
Company: ProCollect, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Date : XX/XX/2021 Amount : {$3000.00} I had to move out of my house. Was never late on my rent payments and made sure the house was move in ready for the next tenant before I moved out. After pulling my report this month ( XXXX ) I see that this company ive never heard of has an amount for collection of the above amount.

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 2016-07-25
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, I made a {$6700.00} Principle and Interest payment to Nationstar Mortgage. The employees of Nationstar Mortgage confirmed on this date, my payment would go directly to Principle and Interest and make my mortgage payment due for XXXX XXXX, 2016. Nationstar Employees also told me starting in XXXX 2016 my payments would now include escrow with any and all past due escrow to be spread out over 60 months. ( Audio recordings confirm these conversations ) Nationstar Mortgage applied my {$6700.00} incorrectly. Instead of the full payment being applied to Principle and Interest as I was told would happen, {$2400.00} went to escrow and {$1900.00} into a " unapplied funds '' account. 

Throughout the month of XXXX, I have talked to several employees at Nationstar Mortgage who have told me they would get this resolved and have all of my XXXX XXXX, 2016 payment applied to Principle and Interest and have the escrow begin in XXXX 2016 as I was told. None of this has happened. 

I am asking for help in having Nationstar Mortgage correct their error and apply my XXXX XXXX, 2016 payment of {$6700.00} to Principle and Interest with escrow beginning in XXXX, 2016 with any past due escrow spread out over 60 months, as I was told. I am also asking for help in having Nationstar Mortgage correct my credit report to reflect that I am current and not delinquent in my payments. 

thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: MI
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:
There are 5 hard inquiries on my credit report that I did not authorize or consent for. The Fair Credit Reporting Act clearly states that the only permissible purpose for pulling a person 's credit report is for : 1 ) a firm offer of credit 2 ) insurance 3 ) an application for employment, or 4 ) a court order The items listed above are not related to one of the allowable purpose, as it have been reiterated from The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: MD
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 have inform the Consumer reporting Agency and the Furnisher of the information to see and desist with inaccurate information i have follow procedure according to FCRA act yet my rights continue to be violated by CRA despite providing all the documents require by law to remove inaccurate information. 

605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

1022.123 Appropriate proof of identity. 
( a ) Consumer reporting agencies shall develop and implement reasonable requirements for what information consumers shall provide to constitute proof of identity for purposes of sections 605A, 605B, and 609 ( a ) ( 1 ) of the FCRA. In developing these requirements, the consumer reporting agencies must : ( 1 ) Ensure that the information is sufficient to enable the consumer reporting agency to match consumers with their files ; and ( 2 ) Adjust the information to be commensurate with an identifiable risk of harm arising from misidentifying the consumer.

( b ) Examples of information that might constitute reasonable information requirements for proof of identity are provided for illustrative purposes only, as follows : ( 1 ) Consumer file match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth.

( 2 ) Additional proof of identity. Copies of government issued identification documents, utility bills, and/ or other methods of authentication of a person 's identity which may include, but would not be limited to, answering questions to which only the consumer might be expected to know the answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: PNC Bank N.A.
State: NJ
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:
RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. Congress said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

- XXXX 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 15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive. 
15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear CFPB, I am writing to request the deletion of fraudulent hard inquiries on my TransUnion credit report. I am a victim of identity theft, and these inquiries have been made without my knowledge or consent. The hard inquiries in question are : XXXX XXXX XXXX  XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

As a responsible individual, I monitor my credit report regularly and noticed these unauthorized inquiries immediately. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or fraudulent information on my credit report. These unauthorized hard inquiries not only harm my credit score but also violate my rights as a consumer.

I have taken all the necessary steps to protect myself from further identity theft, including notifying the credit bureaus of the fraudulent activity. However, I am now requesting your assistance in removing these unauthorized hard inquiries from my credit report as soon as possible.

I am deeply concerned about my credit score and the impact these fraudulent inquiries could have on my financial future. I urge you to take action promptly and ensure that these inquiries are removed from my credit report without delay. 

Thank you for your time and attention to this matter. I appreciate your help in resolving this issue. 

Sincerely, 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 2023-07-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/22, I wrote to XXXX requesting an investigation into items that I believed were inaccurate and erroneous. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Since this is my third-time request, I will also be sending a copy of this letter to the Consumer Financial Protection Bureau notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. Credit bureaus are required to fairly and accurately report information Please see my reasons for the dispute below : Account Name : XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is accurate. 
If not, please remove it from my credit report. 

Account Name : XXXX XXXX  Account Number : XXXX How are these accounts accurate if high balances, date of activity, date opened, and account status are not accurate & erroneous Please investigate if every piece of information is accurate. If not, please remove it from my credit report.On XXXX credit reporting agency both accounts are closed and reporting a balance of {$0.00}. 

I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report & credit score. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This Debt collection agency has continued to report erroneous information on my consumer profile since XXXX of XXXX. I have written multiple letters to them as well as the Original Creditor regarding the dispution of this debt ( See Attachments ). I never authorized an account with the original creditor be opened in my name in the first place. The original account has been in a charge-off status for months, and now Midland credit Collection agency is claiming I owe them a debt of over XXXX XXXX Their negligence to fully investigate this matter and validate this alleged debt before placing this on my report has drastically damaged my consumer profile. This is Libel. Furthermore, the collection agency has violated my consumer rights under the FCRA by failing to report my account as disputed dispite their several written notices of my dispute. I have received multiple notices that my personal information has been involved in data breaches ( See attached document ). I have been working fiercely to clear my name of unauthorized accounts and any associated transactions. I have filed a claim regarding this matter with the Federal Trade Commission ( See Attached documents ). This collection needs to be removed from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: PA
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:
good evening. this complaint is in reference to the XXXX XXXXXXXX XXXX account shown on my credit report at XXXX and EQUIFAX. the vehicle that was financed with XXXX XXXX XXXX was repossessed in or around XX/XX/2017 in XXXX nj. After i found this account on my credit file i did some research on the vehicles VIN number and found out the vehicle was sold at auction in or around XX/XX/2017. I was unaware of this because i never received any correspondence regarding the vehicle after its repossession by XXXX XXXX XXXX. It is to my knowledge that new jersey state law and UCC codes state that a finance company SHALL follow certain distinct procedures after the repossession of a vehicle and if these procedures are not followed the deficiency ( repossession ) can not be claimed therefore can not be on my credit profile. new jersey state law and UCC codes state that after a vehicle is repossesed several different notices are to be mailed to the consumer regarding how to redeem the vehicle back, when and where the auction will take place, and if auction of the vehicle takes place, the amount the vehicle was sold for and if there was any surplus amount. this information helps the consumer verify if the amount owed is in fact accurate and correct. i NEVER received any of these notices. these notices must have also been sent within very specific time frames after the repossession again i never received these notices. the finance company shall also be able to provide proof that these notices were sent to the consumer. i have disputed this account with XXXX and EQUIFAX for 100 percent accuracy regarding the balance and other aspects of this account and ALSO i have requested proof of these notices required by new jersey state law and its UCC codes in order to claim the defiecency. To date my request was not fullfilled and XXXX and EQUIFAX simply updated my account as accurate. i simply exercised my rights under section 609 to have the information provided to me about the account listed on my file and it was not met as well as if the account is unverifiable it must be removed from my file. not to mention how can this account have been verified at all when the information between XXXX and EQUIFAX does not even match! how can they possibly have verified this account as accurate and the information does match? they both can not be right. there are so many issues with this account i would like to request its removal this is highly stressful to me that the credit bureaus are in violation in these aspects!

Company response to consumer: Closed with explanation