BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: RI
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:
Back in XXXX of XXXX disputed several accounts that are listed on my credit report. They were not able to verify nor validate the debt per the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. Verification and Validations of debt are under penalty of perjury and copies of statements of account are not suffice. Also, I required the agency to supply me with a copy of the SSA 89 form which gives authorization to disclose any information involving my social security number. In accordance with the FCRA the accounts below have violated my rights : XXXX UNIVERSITY EMPLOYEES account ending in XXXX XXXX  COLLECTIONS account ending in XXXX XXXX XXXX XXXX account ending in XXXX inquiries by XXXX- CARD SERVICE AND XXXX  CREDIT BUREAU 15 U.S.C . 1681 section 602 A. States I have the right to privacy 1581 U.S.C. 1681 Section 604A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a personal information correction letter certified mail ( XXXX ) which was received and signed for, as well as submit disputes directly on the companies website ( Experian, XXXX XXXX XXXX ) none of which have been updated. 

Also request for debt verification has been ignored

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 2022-08-18
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I feel taken advantage of by being ignored in my disputes!! I've already disputed this account because I see you're reporting incorrect information. This is not my account; please delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Foris DAX, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX XXXX XXXX XXXX ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilizing Crypto.com services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in this institution which is regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Nationstar Mortgage calls anywhere from 3 to 5 times a day and when I pick up the call to say hello they hang up. I have called them back with almost each and every call and told them to stop calling me and hanging up but they threaten to cut off all communications via email and mail. As they are my mortgage company I can not allow them to stop mailing me my statements or electronic correspondence. When I again tell them to stop calling me and hanging up they tell me its the automated dialer and not them personally who is doing this. When I tell them to take me off the dialer they again threaten to cease all communications. I have two months left on a repayment plan which was put in effect two months ago. Since then the calls have increased. I do not want to be harassed and I have told them this repeatedly. When I ask for a supervisor they either hang up when " transferring '' me or I get a supervisor who apologies but then continues with the threat of ceasing all communications. I am literally at my wits end hearing my phone ring and knowing they are intentionally trying to harass me over nothing. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Mr. Cooper Group Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Oveer the past 3 minths I have called, chatted and spoke with representaives from MR. COOPER home loans. They acquired my loan from another company in early XXXX and have misposted more than XXXX transactions that have resulted in my being assessed fees that are incorrect. I wrote them on XX/XX/XXXX, XX/XX/XXXX and again today XXXX. Between those wrtitings I chatted with at least 6 different agents and all told me they would take action on my concerns. I have attatched a download of the files on my account and added a far right column that notes my payments from my credit union account to MR COOPER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Date of Birth : XX/XX/XXXX SS # : XXXX ( Last XXXX ) TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Greetings The following letter is a formal complaint that you are reporting INACCURATE accounts to my credit report. You have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish because the following accounts do not belong to me and I did not give authorization for them to be opened or furnished on my credit report. 15 USC 1681e ( b ) states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am asking for the removal of the following personal information that does not belong to me 1. The following personal information is incorrect XXXX, XXXX, XXXX 2. The following personal information is incorrect XXXX, XXXX 3. The following personal information is incorrect XXXX, XXXX, XXXX 4. The following personal information is incorrect XXXX, XXXX 5. The following personal information is incorrect Address : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 6. The following personal information is incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX Please Delete these inaccurate personal identifiers from my credit report. I have provided my true correct and accurate information. I give permissible purpose for the following personal identifiers to be furnished ONLY : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Delaware XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Employment : N/A Please delete any other personal identifiers. I do not wish to have any employment information be furnished on my credit report, per the FCRA I also have the right to privacy. 


Thank you for your time and help in this matter. I am confident this will be rectified by your agency in a timely matter. 



With Kind Regard, XXXX XXXX XXXX ( I have not provided my signature to avoid further imitation or forgery ) I have included documents that verify my identity with this letter : - Identification -Social Security Card -Utility Bill

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 2023-06-26
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My SSN was leaked as part of an attack on XXXX XXXX XXXX XXXX. I received free credit monitor from Experian. 

Since, I've had attempted credit card openings which I've halted with the respective parties. I'm also trying to place credit freezes. XXXX and XXXX both let me put free credit freezes in place. 

However, Experian is requiring that I upgrade my account to a XXXX $ per month membership to implement a credit freeze or lock. 

Honestly, a little ridiculous if they're the ones watching my credit because of this known leak.

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 2022-11-16
Company: U.S. BANCORP
State: DC
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:
XXXX XXXX from the XXXX XXXX Department within Elan Financial Services " If you believe you were a victim of identity theft that resulted in the inquiry and there is additional documentation, such as a copy of a police report, or a fraud or identity theft affidavit, please contact us at XXXX ( we accept relay calls ) ... '' When the number was called, options beyond faxing or printing ( not personally available to the consumer ) were not available. As such, the identity theft documentation is attached. 

The context is as follows : There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone XXXX XXXX XXXX XXXXXXXX I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating Elan Financial Services pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by Elan Financial ( on XX/XX/2022 ) is attached for your 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 non-monetary relief
Consumer complaint received 2018-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Portfolio Recovery is reporting a paid collection as open and as well on the attached documents they are showing to be a factoring company on the debt. The debt was paid on XX/XX/2018 in the amount t of XXXX was debited from my checking account. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX I have a Bankruptcy XXXX  XXXX only being reported on my Transunion credit report. I called the XXXX XXXX  XXXX that Transunion said they Verified through with the court. I contacted the clerk of the XXXX XXXX  court and I received a letter and was told that they do not share or verify and information with any credit reporting companies or Transunion and XXXX XXXX. REMOVE THE INACCURATE BANKRUPTCY XXXX  XXXX FROM MY TRANSUNION REPORT. UNVERIFIED INFORMATYION SHOULD BE DELETED FROM MY CREDIT PROFILE UNDER THE The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX and TransUnion 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 needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX Balance : {$0.00}

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 2023-04-26
Company: Experian Information Solutions 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

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 2022-03-02
Company: CrossCountry Mortgage LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My insurance company purchased an Windstorm insurance that no one told me I needed and I didn't purchased when I closed or before closing the house more than 18 month ago. 
I closed my house in XX/XX/XXXX and I was informed that I needed flood insurance and premium home insurance ( both I purchased before my closing day ) and I was very aware that I needed to keep both policy active but no one told or made me purchased an additional insurance for windstorms that cost more than {$4000.00} dollars extra that I can't afford. 
I was blindside by my insurance company with a policy backdated XX/XX/XXXX that cost {$4300.00} that I didn't even know I had or had to pay until XX/XX/XXXX. 
If I have known that I needed to pay over {$7000.00} in home insurance only annually I will have never closed with Crosscounty Mortage. I have asked around and no one I now in nj is been forced to get a Windstorm insurance by their lender must important part is that it wasn't a necessary when I closed this mortgage and no one told me about this {$4300.00} extra expense will be added almost 2 years later and why I'm I getting this notice more than 7 month later that the effective date. 

I can't afford and extra surprise insurance on top of my flood that is very expensive and my premium insurance, it feels like I encounter and issue with this mortgage company every other day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : This document is a request for any information on my delinquency or derogatory behavior. I would like all information to be accurately and completely reported in accordance with all established laws and standards. If there is any potential negative information, I would like it to be verified and confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate, and I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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