BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 want to fully understand why two disputes that I won that were removed but I was negatively, causing me credit issues for home loan, etc..... 
I went from a XXXX to XXXX on XXXX XXXX, XXXX, and Transunion had no score before these two disputes then put me at a XXXX on their grand grading scale? 
I would like to know how are these credit agencies that are private corporations are able to obtain so much of our data, personal info, etc... what or who gave them this authority and I would like this FOIA request that they show what laws gives them the authority they have to discriminate against within this credit system that they have direct impact over the lives of so many people? There is no money and this system of credit I believe has been created by the same banking cartel that has stole from the people " full faith and credit ''? 
The entire system is fraudulent and this crooked system has profited in astronomical revenues that I can say that they are involved in fleecing from the Birth Certificate of Title Bonds that are the primary bonds that the Corporate United States Company had has used our signatures that are valuable has gold and they are creating lines of credit and not paying taxes on these Breaches of the Estate that are Trust Fraud.

IT IS ILLEGAL FOR THEM TO PUT ANYTHING ON MY REPORT WITHOUT MY EXPRESSED WRITTEN CONSTENT 15 USC-1681b ( 2 ) ...... THEY ALL HAVE VIOLATED FEDERAL LAW BUT ALSO 42 USC-1983 DEPRIVATION OF RIGHTS, IT IS ILLEGAL TO REPORT NEGATIVE ITEM. I HAVE BEEN DEFAMED AND ILLEGAL DEBT PRACTICE THAT THE CREDIT BUREAUS ARE VIOLATING CONSUMER PROTECTION ACT/FAIR CREDIT REPORTING ACT/15 USC-1681a ( e ) and are VIOLATING FAIR CREDIT REPORTING RULES... .. 15 USC 1692d this has harmed my reputation which is credit report. This is harassment or abuse ... ... ... ..they all have ignored my request and have no investigation into my request, My written consent has never been given to any of these credit bureaus this is Identity Theft 15 USC-1028a

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 2022-03-07
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My husband and I obtained a FHA loan and purchased a home in XXXX XXXX XX/XX/2019. He told me to get out 4 days after closing. He moved his girlfriend in the home and tore the home up then moved to a more expensive owner finance home and put our home on Forbearance XXXX XXXX, under the CAREs Act, without my consent or knowledge through Mr Cooper. We had agreed to sell the home but he took it off the market when he received forbearance. Mr Cooper continued to extend the forbearance in spite of me asking them not too. We now owe {$16000.00} on top of the original loan. The husband and his girlfriend who has portrayed herself as me with Mr Cooper, and authorized herself to make decisions regarding this loan, requested a loan modification without my consent. I refuse to sign those papers because the forbearance was given without my consent and has now put us further in debt and facing foreclosure. I feel my husband did this to harm my good credit rating and make it impossible to borrow any money because I owe for this house. They want to keep the house but refuse to refinance in His name and pay me as agreed in XXXX. Mr Cooper explained to me they have told my husband that if he will get me to Quitclaim my interest in the home to him, that they can go around me and only require his signature to modify the loan, but I will still be held on the note as co borrower. So they are trying to force me into agreeing to owe more money than the original loan because of the forbearance they gave to him, claiming hardship, which isnt the case. He pays double fir his new home and was able to get out of payments on our home. My good credit is now suffering for a home I was never allowed to live in once he got me to sign the original note because his credit is bad. I am XXXX, have had to rent a place to live in XXXX he makes {$100000.00} per year and wasnt actually having a financial hardship, it was only to afford a more expensive loan. Ive asked Mr Cooper to look into the deceptive request for forbearance snd they determined he lived in the home, however, his mailing address on their contact info, has been to the new home he owns now. I believe he rented our home out while it was in Forbearance in order to pay for his new home. The loan is in the names XXXX XXXX and XXXX XXXX. I am XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: IN
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:
Subject : Regarding Unresolved Matters Dear [ XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX ], I hope this letter finds you in good health. I am writing to address the issue of unfinished business that requires our immediate attention and resolution. Specifically, this pertains to the recent submission of evidentiary documents, which you voluntarily provided. It is important to note that XXXX XXXX XXXX, acting as a non-adverse, non-belligerent, and non-combatant party, serves as a secure creditor with power of attorney general and Executrix on behalf of the XXXX XXXX XXXX XXXX. 

We sincerely appreciate your cooperation in submitting these crucial evidentiary documents. They are currently in the possession of XXXX XXXX XXXX, and it is imperative that we take necessary steps to address any pending issues associated with them. 

Recognizing the importance of promptly completing our tasks, we kindly request your assistance in providing any additional information or guidance that may be required to facilitate the resolution of these pending matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Metro Area Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The companies Metro area collections services llc, and XXXX XXXX are falsely reporting amounts owed by adding fees and who knows what else. And attempting to extort me, originally tried collecting XXXX now want over XXXX XXXX. Metro area collection service is conducting illegal debt collection harassment by reporting whatever they want. without supervision, this company will continue to attempt to extort consumers. action needs to be taken original debt XX/XX/XXXX Total : {$1000.00} current debt : XX/XX/XXXX total : {$5200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive escalated this account for several times, directly to your department, concerning an account number XXXX - XXXX - Date Opened : XX/XX/, and I am not aware that this was furnished on my credit file without my approval. I never received any notifications nor warnings about this and I never authorized any person to make some changes on my credit report. I want this to be fully removed from my record. 

I find this account very misleading, incorrect and inconsistent. Please know that I dont give anybody consent to make use of my name and my identity. So, kindly take this off of my credit history 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
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any inquiry that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 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 XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: NC
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 Everything has to be 100 % accurate on my consumer report. 

The Credit Reporting Agencies stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active, and the date last reported is inaccurate. This is grounds for removal they also violated my rights under 15 USC 1681 section 602 ( a ) : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 section 604 ( A ) 2 : a Credit Reporting Agency can not furnish a consumer report without written instructions of the consumer to whom it relates

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These XXXX  Accounts have violated my rights According to FCRA ; 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 
According to 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. ( I DO NOT VALIDATE THIS DEBT ). THEREFORE, THESE ACCOUNTS LISTED ABOVE MUST BE DELETED!

a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.

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 2023-03-16
Company: Experian Information Solutions Inc.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts and items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts and information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX MO CHLD SPRT XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-03-07
Company: Amsher Collection Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Previously reported Amsher Collections and XXXX for potential violations of the Fair Credit Reporting Act. I now have 2 unsolicited credit inquiries on my credit in addition to the negative information filed against my credit in violation of the Fair Credit Reporting Act. 

AMSHER : I will not call you- I refuse to voluntarily subject myself to your abusive language, threats and time-wasting tactics. 

Please provide a written letter stating that this information and all inquiries will be removed from my credit within 5 business days of receipt of funds. Your posting a bill that was never sent is not sufficient. Your Word document is also not sufficient. 

Your further delay tactics are noted and unappreciated. Since my last report, more of my information had been sold on the dark web relating to this account. These tactics are illegal and unethical, and will continue to be reported here and elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: CMG MORTGAGE, INC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, my property was assigned a new PIN ( property identification number ). On XX/XX/XXXX, I wrote a letter to my mortgage company, CMG Financial, about the PIN change, identifying the new PIN number, requesting confirmation. I did not hear back from them. In XX/XX/XXXX, I contacted CMG by phone to follow-up on the letter and spoke at length with a customer service representative ( I don't recall her name ) about the PIN change, and she reassured me the tax bill would be paid on the new PIN number. On XX/XX/XXXX, I wrote CMG again, this time about another issue with my escrow account and also confirmed the new PIN again but heard nothing regarding the PIN. On XX/XX/XXXX, I received my property tax bill, payable by XX/XX/XXXX, mailed it to CMG with a note to pay and a copy of the XX/XX/XXXX letter, requesting confirmation of payment but heard nothing from CMG. On XX/XX/XXXX, prompted by intuition, I contacted CMG by phone and spoke with XXXX in the XXXX Department. He could see no record of a PIN change or a property tax payment in the amount that was now delinquent. I have spoke with CMG again on XX/XX/XXXX, when XXXX said the issue should be resolved by XX/XX/XXXX, 6 weeks past the property tax payment due date. I called again on XXXX, left a message but received no response. In between XXXX and XXXX, I sent multiple emails to CMG with verification of the new PIN from XXXX XXXX Tax Assessor but received no response. I even involved my real estate agent who helped me with the PIN change, but CMG refused to talk to him, so he sent them an email without receiving a response. On XXXX, I called CMG and spoke with XXXX again, who said they have no evidence of a tax payment being due, despite the fact that I mailed and emailed them a copy of the tax bill and told them the amount and due date over the phone multiple times. As a result, I have incurred a {$73.00} delinquent payment penalty by the XXXX XXXX Treasurer 's Office, which CMG also refuses to pay, and was forced to pay {$4900.00} out of my personal bank account to cover the unpaid property tax bill that was due to be paid out of my funded escrow account with CMG. There have been multiple communication breakdowns with CMG due to their negligence in following through on payments and updates to my account since the loan was approved in XXXX. I believe this is a serious infraction of the contract I have with CMG, and I can no longer trust them to pay my property tax bills, yet they continue to collect funds for to allegedly pay this from my escrow account. I have asked to remove my escrow account, but they decline based on multiple requirements, including the XXXX ratio. CMG has been irresponsible with my property tax payments, and I request that they be held accountable and that I be reimbursed for the {$4900.00} from my escrow account in addition to the {$73.00} penalty fee for payment delinquency.

Company response to consumer: Closed with explanation