BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has been fraudulently reporting on all of my credit reports. I NEVER agreed to a loan with them, I simply applied for a refinance to my current vehicle and their response was to open a loan account on my behalf without even asking me if I agreed to their terms and without even telling me what their interest rate was. They sent me promissory note and check in the physical mail during this process, I was just waiting to see what my approval terms were, they would not tell me via their online messaging system or via email, stating that I would receive the info in the mail. I found it odd that I got a check in the mail and a promissory note along with instructions on how to change my title over instead of an approval letter FIRST. So I told them forget it, I do not want to proceed with an agency who does not know what they are doing ( this is not the first issue I had with them ). I never signed the note, nor cashed the check so I am EXTREMELY surprised to see that they are reporting on my credit reports!! I was wondering why I was getting denial letters from other car loan agencies stating I had too high revolving accounts, because I only have one car loan which I was refinancing for. So I check my reports and see it is because this " bank '' opened up a loan account and put it on my credit report! Now I have unnecessary dings on all three of my reports because of them! I have absolutely had it with this " bank ''! Which is why I am reporting them, so someone does something about their fraudulent actions.

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 2023-10-13
Company: EQUIFAX, INC.
State: IL
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I was waiting on money to be deposited from a bank account the bank confirmed that Cash App had taken the money out of the bank account but Cash App kept the money and never deposited into my Cash App account. I have tried on several occassions to work this out with Cash App customer service and they have made it very difficult. They have made me wait for calls from their supervisors on several occassions which either never occurred or in the cases that I received a return phone call, I was told that the money was deposited to my account but they can't show when it was deposited and refuse to give me an explaination as to why that is. I have had them closed the issue without it being resolved claiming that they hadn't heard from me, despite the fact that I was told by customer service to wait for a call/response from a supervisor. I have been given excuse after excuse as to why Cash App won't assist me with this issue, I have even provided Cash App with confirmation from the bank that they took the money and to date I have never received the money and Cash App customer service will hang up on me every time I have tried to call in reference to this issue, this issue has gone unresolved since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-09-24
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is against Nationstar Mortgage, XXXX XXXX XXXX XXXX, XXXX, Tx XXXX. On XX/XX/XXXX, I received a letter from them indicating that my escrow account had more money than needed, They enclosed a refund check and lowered my monthly payment from {$1800.00} to {$1400.00} starting XX/XX/XXXX. I paid the lower amount monthly until XX/XX/XXXX. On XX/XX/XXXX I received a notice dated XX/XX/XXXX from the City of XXXX, NY that the mortgage company had not paid my property taxes of {$2800.00} plus a late charge of {$84.00}. I notified Nationstar and was told that I did not have an escrow account, however, after checking they sent me a letter dated XX/XX/XXXX that confirmed that my account should be escrowed. On my XX/XX/XXXX statement they kept the payment of {$1400.00} the same and indicated that if I made additional escrow payments that they would not raise the payment amount so I sent them a payment of {$2900.00} which included an additional {$1500.00} in escrow. In XX/XX/XXXX I sent them {$1500.00} which included {$100.00} in additional escrow. On XX/XX/XXXX I received a notice that they had not received my XX/XX/XXXX payment so I recovered my cancalled check from my bank which indicated that the bank paid the XX/XX/XXXX mortgage payment on XX/XX/XXXX. I notified Nationstar and they said that they mistakenly posted the entire amount to my escrow account and charged me a {$24.00} late charge which they have not recinded. On my XX/XX/XXXX statement they raised my monthly payment to {$2000.00}, a {$620.00} increase in an attempt to correct their inability to service my escrow account properly. I paid the {$2000.00} leaving me with XXXX dollars left for a three week period. I have now received my XX/XX/XXXX statement where they again want a {$2000.00} payment. I am retired and on a fixed income so I do not have the ability to make any further payments in that amount. They have caused me an extreme financial hardship and have refused to lower the payments. Just as a matter of information my property taxes are {$2800.00} and school taxes are {$1300.00} for a total of {$4100.00}. The additional escrow of {$620.00} plus the {$200.00} escrow already built into the $ XXXXpayment amounts to {$820.00} monthly for a yearly total of {$9800.00} which is more than double the required escrow needed. Therefore, I am making no further mortgage payments until such time as Nationstar reduces the monthly payment amount. I am also considering legal action against Nationstar for damages incurred by their inability to properly service my account, also, they have sold my mortgage to XXXX XXXX who I have been in contact with. They advised me to contact you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is in response to complaint XXXX. Transunion stated that the company has verified the account. Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. The original creditor does not report the balance that's reporting on my credit report. I also sent you a copy of the PLAINTIFF 'S NOTICE OF NON-SUITS stating that the company XXXX XXXX dismissed all claims against me. I will attach it for your reference again. Please remove these accounts for failure to verify : 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 2018-06-19
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was transferred to Mr cooper mortgage company on XX/XX/2018. To this day I am still unable to setup an online account and make a payment or set up auto pay. I have contacted the company at least five times by phone and social media. The first time I contacted them was late XXXX. Mr cooper has done nothing to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have several inaccurate and unauthorized accounts reporting on my credit report that were added wrongfully on my credit file and are fraudulent, therefore I filled a identity theft affidavit along with the Fair Trade Commission and submitted it to XXXX, TransUnion, and XXXX. XXXX  and TransUnion and XXXX  are not doing their job and are just verifying these accounts as accurate without really investigating.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or repair the following inaccurate items in my report : 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 explanation
Consumer complaint received 2016-09-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed on Monday XXXX/XXXX/2016 because a Nationstar Mortgage employee did not turn in the one document requested on time and left work to go home. I submitted the one doc they requested before the time he stated it had to be turned in ( XXXX CST ). Within a few hours of Nationstar 's request, I sent in the document and he never sent it in to be approved. I was already told it was an approved short sale. I have these facts in writing from the Equator system that my agent was kind enough to show me. I have printed the entire situation out. Because this representative left early or decided not to check my file, I lost my home the next day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-12
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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2023-06-22
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-09
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: Personal information incorrect

Complaint:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2016-09-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My dad passed away in a XXXX. He was the only one on the loan but had his wife and his daughter listed on the Deed. I 'm working on removing his name from the title so I can refinance the loan and take over with the help of my younger brothers but the lender is not talking to us and it looks like they are not taking our payments. I know that we do n't have to go to probate because there were more people on the Deed but according to the lender we need to go to probate to get an executive to represent my dad 's state. My dad was having financial difficulties because of his age and limited for employment. We are devastated for his loss and the loss of my brother within a year and on top of that struggling to keep his home for his wife and younger children. I already contacted a lawyer and I know we have to pay a lot of money to go to probate. According to CFPB rule we should n't be struggling with this situation but I just do n't know how to go from here. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: FL
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:
Hello, My name is XXXX XXXX, I am extremely upset with this entire process of disputing incorrect items on my credit report and the bureaus failure to follow the laws according to my rights in the FCRA.

I mailed out letters to all 3 bureaus on XX/XX/XXXX, disputing some medical bills that are incorrect on my credit report. I called the originally creditor to ask about these items and they informed me that they no longer have me in their system of owing this bill. They informed me that other company now owns the debt, however, I have never had an account with this debt collector. Shortly, after on XX/XX/XXXX I received a letter from XXXX stating that no actions will be taken cause they believed a third party sent the letter. But, I sent the letter and I experience stall tactics from the bureaus in the past where they will continue to defer action so that you lose hope. I have attached a copy of their stall letter as well as the dispute letters I sent to all 3 bureaus.

The real issue came when I received a bill from a debt collector that doesnt match the company, the amount or the service debt on my credit report. The name of the creditor matches, but not any other information. This has led me to believe that this account is false and the credit bureaus have no way of validating this in fact is my debt and who it should be paid to. Therefore, I demand that all these accounts be removed immediately. This is totally unacceptable and has effected my ability to advance my family 's living situation due to the tarnish it has placed on my credit report. I have attached the false collection notice for your review as well. 

Please help with this situation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX  XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

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: 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: 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 XXXXXXXX Account Number:XXXX Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX XXXX Account name : XXXX Account Number:XXXX Account name : XXXX XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX XXXX  Account Number : XXXX Account name : U.S DEPARTMENT OF EDUCATION Account Number:XXXX Account name : U.S DEPARTMENT OF EDUCATION Account Number:XXXX Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$7400.00}.

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
Consumer complaint received 2021-07-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation