BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: Incomm Holdings Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I thought I was talking to Vanillagift.com, but it was a scam to sign me up with their company called XXXX, Savings now and later and Moinitor Protect ID, they took my card number, name, email, address, phone and birthday all the while saying they were going to help me with my vanilla gift card. I found this phone number online after seaching for check your balance on vanillagift.com. It was not the card company, it was a scam. They also said they were going to charge me XXXX for their services for these 3 companies. 
Twice i got disconnected and had to call back, the third time the women who answered the phone said she could help me with my XXXX, which I do not have, so that was fishy too. After I hung up with them and actually talked to vanillagift, there were charges at a dry cleaners in XXXX XXXX California and I live in Illinois. So my card has now been blocked I have to wait for charges to be reversed and get a replacement card from vanilla. 

The company that claims it is XXXX XXXX XXXX XXXX now and later XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: WSFS FINANCIAL CORPORATION
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:
Hello, My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. Im trying to get a new home and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft affidavit Please delete the items as soon as possible. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability

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 2022-10-28
Company: EQUIFAX, INC.
State: SC
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:
I am a victim of identity theft. I had filed complaints to the three bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Bread Financial Holdings, Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear XXXX XXXX for XXXX FRAUD TEAM ; CFPB ; I'm shocked that I still keep getting harassing calls and XXXX Mail from both XXXX  and XXXX XXXX. I'm not sure you dropped the ball, but I've told your entire team that i never bought furniture with XXXX  or any of its affiliates, and I've filed a police report. I never never never signed any agreement nor did acquire any products or services from these companies listed. This was probably caused due to identity theft issue and again, i've filed a police report with XXXX Police Department. I've expressed this with several of your customer services and i want all my information suppressed from your database, plus now I'm concerned about the breach of my privacy and my consumer rights under the provisions of FCRA. 

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 : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Homeowner sent multiple financial package to be reviewed. Lender will take over 30 days. sheriff sale was postponed due to being on review. Denied over the phone to the homeowner. Still homeowner have not received denial letter to make appeal. Denial reason over the phone the estimated new monthly payment was going to be greater that the current monthly mortgage payment. Sherriff Sale is under 30 days. Lender requested homeowner to submit new income to reevaluate her but they say will not request their lawyers for a postponement due to them telling the homeowner that she was denied over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
CFPB complaint file numbers : XXXX, XXXX It has been more than 30 days now. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I want and demand the following accounts removed from my consumer report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION 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 2023-04-14
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act Apple Card/GS Bank USA Account XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-19
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We received a loan modification agreement from Nationstar mortgage. We made the monthly payments according what we perceived the payments to be ( the mortgage company never sent any information to us after repeated attempts from customer service ). We received notification from Nationstar that we were behind, because we were only paying the principle and interest, and not the taxes and insurance. We requested information in writing regarding this and have made several attempts with the mortgage company to pay the past-due amount to cure our mortgage. We have received nothing but inflated amounts that is always higher than when we contacted them in XXXX 2015, but nothing in writing. Nationstar has sent nothing that would be a positive step in correcting the error and bringing our mortgage current. We are at the belief that this company has predatory lending practices, and is intentionally trying to foreclose our property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Resurgent Capital Services L.P.
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


This account has remained on my credit report despite having sent dispute letters for proper validation and investigation. The credit bureaus are not performing their duties & hope I don't continue with the corrections of my report by stating they're unable to identify me. I then return my identity for the SECOND time to then be told the account has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: PA
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:
The credit bureau engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished this account on my credit report an account in which I have no contract with. We have no agreement therefore no agreement was signed. A legal contract is signed by two parties, and I did not participate in any agreement with the malicious party who is abusing me as a consumer. More so they did not follow the proper five step validation procedure which makes these unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XXXX Miscellaneous Inquiry Date : XX/XX/2022 XXXX XXXX Miscellaneous Inquiry Date : XX/XX/2022 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 2023-05-25
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: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE 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 2015-09-18
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a low income condo in XXXX, Massachusetts. My mortgage loan has been sold XXXX times and is now with a disgraceful company called Nationstar. I sent in my monthly payment in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, thinking my mortgage was fine. In XXXX they sent me back all XXXX payments, which had not been cashed telling me my mortgage was in foreclosure because I missed a payment in XX/XX/XXXX. 
Then a few days later I got a very poorly written letter from a lawyer in XXXX telling me I was in foreclosure. 
I do not understand how Nationstar is allowed to be un-regulated by the State. There are XXXX of people beingforeclosed on an the Atttorney General office of Massachusetts told me there 's nothing they can do. 
If you go to the website called consumers affairs and put Nationstar into the search bar you will read XXXX of reviews by consumers about being illegally foreclosed upon with no aid from any state or federal agency. I guess this is what banks being un-regulated has created. Nationstar says it is a Mortgage company, it is not it is a debt collector, they just collect monthly payments, the Attorney General 's office told me, " oh, we know all about Nationstar, they do n't want monthly payments they want the loan paid off, because when the loan is paid off is when Nationstar gets paid in full. " So I am bewildered why our Attorney General is allowing this to occur to Massachusetts residents. 

There are several class action lawsuits taking place across the country suing Nationstar, XXXX of which in XXXX, Washington that I am a class representative for. A couple in Michigan sued NS and won a XXXX XXXX dollar settlement with NS for fraudently forclosing on them. 

If anyone can offer me any assistance it would be greatly appreciated,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-02-04
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear CFPB ; XXXX ; MIDLAND CREDIT XXXX ; I'm a little concerned that no one is trying to resolve this even after I've filed a police report. As I mentioned a XXXX of times to everyone, i have never opened any contractual obligations with either XXXX XXXX or Midland Credit Management group. Plus, why is my information being sold without my consent to different companies.- Isn't that breach of my consumer privacy? I've never signed any paperwork or acquired any services with either of those parties involved. 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 of 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 of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We recently contacted Green light and Mortgage to refinance our current mortgage went through the options available to us we choice the option that best suited our needs. XXXX XXXX provided us with new loan document and contract and in the contract the follow disclosure was made and I quoteThe locked rate you were quoted, and our rate lock agreement is contingent upon you signing and returning required document within 5 BUSINESS DAYS of receipt. 

If we do not receive the required documents within 10 BUSINESS DAYS of receipt, we will be unable to proceed with your application and it will be cancelled. After this time, you will be required to re-apply and start over. 


We return the signed loan document and contract XXXX/XXXX/2015 through XXXX on XXXX day from the time we initially received them from XXXX XXXX and on the XXXX we sent declaration page and XXXX mortgage document 3 business days from the when we initially received them XXXX XXXX. I call XXXX XXXX and was informed our contract was cancel we did not meet the requirement s set forth ion XXXX page of the disclosure and were expected to pay more interest. 

We met the required obligation within the time frame specified in the disclosure page within the specified business days. In fact today would be the 10th business day of the agreement today. 

While I can understand policy and procedures we meet the requirements but then to be treated in condescending way from XXXX XXXX put me over the edge I am filing a complaint a against Greelight Mortgage with AZG, HUD, FTC. 

We meet the requirements set forth by Green Light Mortgage it is Green Light Mortgage that 's failed to honor their agreement with us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: OK
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 went through a company that asked to run a credit check for me. When I asked would this be a hard pull I opt out and didn't authorize them to run my credit. They not only ran my credit without my permission, but under other companies as well and it keeps happening month after month. And rndom inqiuries show up for accounts I never applied for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation