BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-21
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
i had opened an account with XXXX online in XXXX i was making my monthly payments until XXXX. XXXX horribly made a mess of my account and payments. i attempted to correct this errors by phone and online. but XXXX would not or could not fix the mess they created. as a result i was unable to continue paying my monthly bill. it was in error. i was notified that the XXXX account was then closed. and later that it was a charge off, deemed uncollectable. i heard nothing more about this account until XX/XX/XXXX when i was contacted by mail that a collection agency, lvnv, llc, had acquired the debt in XXXX XXXX i received about 3 letters from this company. the last was in XX/XX/XXXX where i disputed this debt via online letter to this company. no response from the collection agencty at all. i informed them this was an old debt, that was not collectable under the 4 year statute of limitations in pennsylvania. also i am on social security XXXX with no assets at all. i received no response from lvnv llc until i got a letter the 2nd week of XX/XX/XXXX, stating they filed a civil suit against me at the local magistrate. this company has not proven the debt is valid nor if they have standing to persue it. as i stated it is over 4 yrs old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2022 two transactions were made in XXXX XXXXXXXX XXXX with a tap to pay form of my debit card at an automotive store for {$1000.00} and {$2000.00}. My personal guess is for two visa prepaid cards. Transaction on my bank account show I was in XXXX XXXX at the time and bank will not count transactions as fraud because a deposit for a job for around XXXX was put into my account 3 days prior to the fraudulent activity. Bank of America denied my fraud claim based on them not draining my account even though on the phone I was told it was a repeating pattern and would have continued had I not reported it. It was reported immediately after seeing money taken from my account. There were also 2 other changes for XXXX that the bank had no problem considering fraud and refunding the money.

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 monetary relief
Consumer complaint received 2023-09-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Chase to take advantage of the bonus of {$300.00} if you have a payroll direct deposit. I am working with XXXX and part of my paycheck is directly deposit to Chase Bank. Currently, Chase has not given me the bonus because per representative the deposit was not showing as payroll check, instead it is showing as a transfer. I offer to send a copy of my paycheck as a proof it is my paycheck, but they declined. I felt they are not giving me a chance to prove it was a payroll check and is not willing to give the {$300.00} bonus. I spoke to several representative & manager, who advised someone will call me back in 2 hrs. I waited 48 hrs but nobody called me back. After calling them 4 times someone advise the case is closed. I conference the rep with XXXX XXXX, and our XXXX  confirmed it was a payroll deposit, but they still did not accept the verbal. Please help. This is a false advertisement of Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage payments during XXXX due to unemployment. I have been trying to work out a payment arrangement with Mr. Cooper, # XXXX, to pay something towards the arrears to prevent my home from being sold at auction at the XXXX XXXX 

I have working with the XXXX XXXX XXXX of XXXX XXXX DC. But do not qualify due to the outstanding amount due is more than XXXX. 

I have been a XXXX XXXX resident sent XXXX and do not want to lose my home. I feel that Mr. Cooper should provide me an opportunity to stay in my XXXX  now that I have been working for the past several years. 

I have been working with an XXXX, XXXX XXXX XXXX on a pro bono basis and Mr. Cooper is not cooperating with her on my behalf. 

I am reaching out to your office to seek assistance to stay in my home. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: IL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-06-08
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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2021-12-17
Company: Experian Information Solutions Inc.
State: CA
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:
On XX/XX/2021 I received an alert from Experian that XXXX. XXXX has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from Experian that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to XXXX. XXXX and even the last one was notarized. I still have not received validation of this account but they are still reporting on my Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was turned over a couple years ago to a debt collection agency. I agreed that I owed a portion of the debt, but disputed the remainder of the debt. The portion that I owed, I paid to that collection agency. I filed a formal dispute on the remainder of the debt, and within 30 days I was contacted saying they were closing their file. 

Approximately 7 months ago, I was contacted by another debt collection agency for the same debt. I disputed the debt with them, explained the previous situation, and they encouraged me to contact XXXX directly to resolve the issue. I contacted XXXX directly and they refused to do anything to clear the debt. At both times I was contacted, the alleged debt included an equipment cost for equipment that they alleged we didn't return. When I contacted XXXX, they acknowledged that we had returned all equipment. 

On XX/XX/2018, I received a letter from XXXX XXXX XXXX XXXX, another debt collection agency for this same alleged debt. This letter also mentions an equipment cost, I'm assuming for the equipment that XXXX already acknowledged that I returned. I am disputing this debt with XXXX XXXX directly, but this continuous contact for a debt I've already disputed twice is, in my opinion, beginning to border on harassment. I have taken all the necessary steps I needed to take to resolve this issue, and XXXX seems to just transfer the debt to another agency to try to collect.

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 2022-12-07
Company: Experian Information Solutions 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2017-06-01
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am incredibly frustrated with Nationstar Mortgage. Nationstar purchased our loan from  XXXX   XXXX  and there has been nothing but issues ever since. I did not have an escrow account for property taxes, however, they paid our property taxes, in error, and now they are adding this error to our monthly mortgage payment. I have spent countless hours on the phone with them trying to get this resolved, and no one seems to be able to help me. I have tried to clear our escrow account but was told to wait until I was contacted, which I never was.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There have been several hard inquiries on my Credit Report from XXXX and Transunion that I did not apply for these credit cards. I need these to be investigated. 


XXXX XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX - on XXXX from TransUnion XXXX = on XXXX from XXXX  XXXX XXXX = on XXXX 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 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is currently reporting my DOB and SSN incorrectly and I have attempted to dispute them both several times online. There are also multiple addresses, names, and phone numbers reported that are incorrect 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 2017-04-18
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off the mortgage to Champion mortgage in  XXXX  for the estate of my uncle. They sent me written affirmation that it was paid off on  XXXX   XXXX . The forced place insurance company settled with me for {$150000.00} in damages to the property which had the mortgage in  XXXX  but the mortgage company insisted it receive the check. On  XXXX   XXXX  Champion mortgage informed me that it had received the check from the insurance company but was holding it pending a showing that the repairs had been made. I have tried to convince the mortgage company to send me the check, since  Champion no  longer had any interest or was owed anything on the mortgage, and have received numerous reasons why it could not do so including saying the check was in the mail, though it had not reached me 14 days after their saying so. Ironically,  Champion ap plied an earlier insurance check that was issued in  XXXX    XXXX   to the unpaid balance of the mortgage, without asking my permission. I would like the money with interest ASAP. I am the legally appointed administrator for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2023, I received results of my dispute saying it was updated. I see no changes in the update that I received. Im denying this update because there was a failure to verify the dispute correctly. I see on my credit report that these accounts were run as charged off. I never received the 1099-C Cancellation of Debt forms. Therefore, under consumer law 15 USC 1681e ( b ) these accounts are inaccurately reported and Im requesting that these accounts be removed from my credit, all 3 bureaus, immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: OH
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 XXXX, XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to formally dispute and request the removal of several items on my credit report that are inaccurate, misleading, or fraudulent. These items are adversely affecting my creditworthiness and financial standing, and I kindly request that you investigate and rectify these issues promptly, in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please find below a detailed list of the disputed items which I want to removed by the Credit Bureaus : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have enclosed copies of documents that support my claims, including attach copies of any relevant documents such as identity theft reports, bankruptcy discharge papers, or proof of address correction. 

Under the FCRA, I request that you : Promptly initiate an investigation into the accuracy of the disputed items. 
Notify me of the results of your investigation within 30 days, as per federal law. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to comply with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in compliance with the law.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: LA
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-06-10
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My US bank account was closed by me late XX/XX/2021. I had overdraft protection on my account as well. US bank allowed a company to withdrawal money from my account after I had already closed it and continued to charge me overdraft fees on a closed account. I now have Debt collectors calling me non stop and sending letters to my home. I do not owe this debt.

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 2020-02-24
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNTS -- 1. XXXX XXXX HOSPITAL with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a limit of {$120.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX : {$170.00}

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