BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-11
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We purchased our home in XXXX and the loan was modified in XXXX as we had difficulty paying about {$3000.00} monthly for house that we purchased at {$360000.00}. 

We received a letter from our present mortgage company, Mr. Cooper dated XX/XX/XXXX stating that XX/XX/XXXX marks the anniversary of the successful completion of your loan modification. Congratulations on reaching this important milestone This letter is to remind you of some very important changes that will go in effect on the above anniversary date. 

It also stated that an interest rate of 4.000 % would be applied starting XX/XX/XXXX and a monthly payment of {$2300.00} would begin from XX/XX/XXXX with a total number of payments of XXXX. 

I am attaching a scanned copy of the aforesaid letter. 

Our present mortgage company, Mr. Cooper, formerly Nationstar Mortgage, is trying to talk us into a refinancing agreement that will cost us more ( including a closing cost of {$3300.00} and an yearly interest rate of 4.75 % instead of 4.000 % ) than continuing with the term stated in the aforesaid letter from Mr. Cooper dated XX/XX/XXXX. 

I am attaching a copy of the recent communication from XXXX XXXX, the Loan Processor of Mr. Cooper dated XX/XX/XXXX. 

XXXX XXXX contact information : Email address : XXXX XXXX address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX ; FAX : XXXX In spite of insisting them to act according to the letter and emailing its copy, they are not honoring the commitments made in the letter. 

We would want them to go by Mr. Cooper 's letter dated XX/XX/XXXX word by word by ( i ) bringing the monthly payment to {$2300.00}, ( ii ) fixing the total number of payments to XXXX starting XX/XX/XXXX, and ( iii ) adjusting the extra payments we have been making since XX/XX/XXXX till to date. 

We feel helpless against these giant money lenders and seek your kind help in straightening up the matter so we are not unnecessarily prejudiced.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

The letters are stated with items and issues.

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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This contract with XXXXXXXX XXXX has been rescission and should not be on my credit report. Please remove any derogatory statements from my credit report immediately. I have attached a copy of the rescission papers.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-07-14
Company: EQUIFAX, INC.
State: LA
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:
The Credit Reporting Agencies XXXX, Equifax, and XXXX have violated my federally protected consumer rights as they are in violation of the FCRA and the Privacy Act of 1974. I've contacted the agencies but have failed to receive a reply as of XX/XX/XXXX. 

According to 15 USC 1681c, " 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 ... ''. 15 USC 1681 ( 2 ) Exclusions ( A ) ( i ) explains clearly that a consumer report should exclude any information solely as to transactions.

15 USC 1681b explains that any consumer reporting agencies may furnish a consumer report under the following situations AND NO OTHER. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

From unlawfully reported financial transactions to willful disregard of my NEEDED written consent for these consumer reporting agencies or financial institutions to report ANYTHING on my behalf. 

This negligent reporting has hindered my ability to access credit on fair terms.Affecting my creditworthiness has caused very harsh financial hardships for myself. 

I will address the furnishers of information to the aforementioned Credit Reporting Agencies ( Equifax, XXXX, and XXXX ) in another complaint. The three mentioned agencies have failed to provide me with a reasonable means to exercise my right to opt out ( 12 CFR 1016.7 ) BEFORE my personal information was disclosed. I'm aware that i may exercise my right to opt out at any time. 

I've attached the only available copies of the letters i've sent within this complaint, also my consumer credit report from all the credit reporting agencies so that it may be reviewed and corrected for any inaccuracies or adverse reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: Convergent Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi CONVERGENT OUTSOURCING, INCXXXX ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX I sent in a debt validation stating that the claim is disputed an I request validation 15 USC 1692g..Im still waiting on a response from the company. 
also they violated 15 USC 1962a DEBT Collector. Violation 15 USC 1692b ( 5 ) use of symbol on content. Violation 15 USC 1692d ( 1 ) Harrassment. Violation 15 USC 1692e ( 11 ) ( 4 ) false or misleading representation.

I also marked all the violations on the said paper that was mailed out. 

XXXX XXXX XXXX debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: Paypal Holdings, Inc
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hi my name is XXXX XXXX, my DOB XX/XX/1966 My address is XXXX XXXX XXXX XXXX pa XXXX My XXXX XXXX XXXX  card no : XXXX I have a vacation in Hawaii so I don't know who using my Paypal to buy something at XXXX XXXX with the amount XXXX $ but not in my area. I called for the PayPal service and they try to figure out and respond as soon as possible. But I want to alert you guys please, check my bank account, and its transaction still pending. Don't let anyone push into my card. Thanks. I will close my Paypal after you guys solve this issue. I am afraid to add any bank to Paypal. XXXX so noise my vacation. Please help me cause I don't have time to confirm and call back again while I enjoy my days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
While looking at my credit reports I have noticed my " XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) has a discrepancy in the " Date of Last Activity '' section of the listing. XXXX is reporting a date of XXXX. '' Equifax is reporting " Date of Last Activity '' as XXXX and XXXX is XXXX a date of " XX/XX/XXXX. " XXXX XXXX '' XXXX is reporting * {$13000.00} XXXX * {$0.00} and Equifax XXXX. " PAYMENT STATUS '' XXXX is reporting LATE 120 DAYS. XXXX is reporting CURRENT and Equifax is reporting LATE 120 DAYS. " LAST PAYMENT '' XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX " PAST DUE AMOUNT '' XXXX is reporting {$3000.00} XXXX is reporting {$0.00} and Equifax is reporting {$3400.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX LAST PAYMENT XXXX is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX and Equifax is reporting XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has a discrepancy in the Date of last activity section. XXXX is reporting a date of XX/XX/XXXX XXXX is reporting a date of XX/XX/XXXX and Equifax is reporting a date of XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-15
Company: LJ Ross Associates
State: NJ
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:
Since XXXX, XXXX XXXX XXXX has been trying to say, that this debt was mine. It is not. I only found out about the debt after it appeared on my credit bureau. Because it never belonged to me, it never came to my address. In or around XXXX, I started seeing this collection from XXXX XXXX XXXX. I despites it with XXXX XXXX, and it was resolved. Then 6 months later, they sent it to another collection company. And they reported it to XXXX. I disputed it, and there it was also resolved and removed. Then another collection agency got the file and XXXX  reported it. I again disputed it and was successful. Then again another credit agency reported it and XXXX  once again adds it again to my credit file. After they already took it off a few months prior. I am repeatedly disputing the same charge from XXXX XXXX XXXX. Now XXXX  says the collection company certified their collection. This cant be possible, as I have never lived at the address of this dispute. I have never even lived in the city. This is not my debt. I moved in with my boyfriend in XX/XX/XXXX. After I rented my home in XXXX. I have not had electric service since I moved. XXXX XXXX XXXX transferred the service to the renter, and closed my account and returned my deposit and I do have a receipt showing it was paid in full. I sent that to XXXX  and have had no problems with them regarding this issue. There is no way they can certify this debt is mine, because I know I moved from my XXXX  house to my XXXX house. I bought the house in XX/XX/XXXX and I rented my XXXX   house in XX/XX/XXXX. XX/XX/XXXX, was the last time I had electric service in my name. This has already been disputed and resolved numerous times and I should not have to repeatedly dispute the same collection just because they moved to a different collection agency.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/XXXX, i sended a money transfer by XXXX thru my bank ck acc ( Wells fargo ) ( {$300.00} ) for a wrong phone number and called back right way to the wells fargo bank and explained my error and they opening a claim ... Time passed by and after 15 days, i called and the bank said was not they error and is not they responsability and the case is closed. 
I founded by the old number, who received the money thru anothers pay app, and the person name is XXXX oneill ( old number on my XXXX XXXX actual number ) ..I text to her and she respond and said the money was reversal on XX/XX/XXXX and the bank will contact me and that never happen! and she sended the copy of the transition ... I went on the bank after 3 days online apointment ( Confirmed by my email ) and explain again in person and they said my clain was not closed ( Lied to me ) and them i called and open another claim on executived office ( claim:XXXX ) on XXXX and today on XXXX they said the same thing again over the phone ... ..Was not they error and the case was closed! and them i reopening another claim after talk to a executive officer ( mr XXXX J-Wells fargo ) claim XXXX.need Help! And for who may concern, very truly yous, XXXX XXXX XXXX and customer of well fargo banking and account end on -- XXXX -- -My phone numberXXXX Email : XXXX Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 have wrote XXXX, Transunion, several times asking them to check into an XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have ask both, for their method of investigation on this account, and to send me paperwork proving they investigated this matter. 
XXXX reports Not paying as agreed. Though Transunion reports paying or paid as agreed. XXXX reports this account paid as agreed and deleted it due to so many inaccuracies. So which is it? I have the right to a 100 % accurate credit report. This report is clearly inaccurate. In accordance with The Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

15 U.S. C 1681 Section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

I have also ask XXXX to remove a discover inquiry off my credit report. It is NOT my I inquiry! I have contacted XXXX, they investigated the problem, set me a letter to remove inquiry. Then a second one popped up on my credit report. After being ask several times, XXXX wont remove it. Knowing the issues Ive had with XXXX. 
I will never apply for credit at that company. Not real fond of them.

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 2021-07-01
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account has be disputed with all 3 credit bureaus and the dispute is coming back verified. I have contacted the collection agency via certified mail requesting validation of debt and my physical signature. The company has failed to provide any of the information requested. Tbe leter was sent out XX/XX/ 2021 and as of today, XX/XX/XXXX, I have not heard anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: KY
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 account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 



XXXX XXXX account number XXXX XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe 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