BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
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: Information belongs to someone else

Complaint:
After looking over my most recent credit report, I notice an account listed that causes concern because I am unaware of this account and question its validity. I am requesting and complete and accurate verification and of this account as stated Under the Fair Credit Reporting Act, section Section 611 ( a ) ( 5 ) ( A ) ( i ). Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the Credit Bureaus disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. 15 U.S.C 1681 Section 602A states that I have a right to privacy.

15 U.S.C 1681 Section 602A Section 2 states a consumer reporting agency can not furnish an account without my written consent. 

Delete this account immediately, or they will have violated my federally protected rights and can held liable for {$1000.00} per violation. 

The account is 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 2023-02-09
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/23 XXXX answered call from Harris & Harris XXXX -He asked for me using my maiden name and I said yes that is me, but I haven't used my maiden name in 30 years. 
-Caller then proceeded to say they were calling from a debt collection agency. 
-I asked regarding what. He wanted my birthdate to confirm identity, which I refused to give stating I would not provide based upon identity theft concerns. 
-I was able to get the practice and physicians name for the supposed debt and informed him I have never heard of that physician ( XXXX XXXX XXXX XXXX XXXX XXXX and I have never been to a Northwestern Medicine facility. He proceeded to say yes you have because your insurance paid the claim, you haven't paid your part. ( I followed up with a call to my insurance and they did a search, not finding claims from that doctor nor XXXX XXXX. ) -I demanded that he send me a copy of the information so that I can dispute the claim and he said 'we already sent it to you ' and hung up the phone.

I have a legal right to the information since they are accusing me of owing a debt and they are not providing the information so that I may clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Pleas be advised, I am requesting that Midland Credit Management INC reporting debt needs to deleted from my credit profile it needs to be removed due to inadequate valid reporting of me having a signed contract with them. I clearly have no financial obligation with the company, and by law they need to be removed from my credit report profile. By law a collection agency can not report a debt to the credit bureaus which has not been validated and I have addressed the needs to this company over and over for a whole year and the problem at hand has not been corrected. Again, I do not have a financial obligation with those company listed. Do not confuse Verification with validity. I have proof where I have sent this company lawful notices of FDCPA SECTION 809. Validation of debts [ 15 USC 1692g ] Midland Credit Management Inc has failed to respond to my disputes within a timely manner, with a proper response. 
XXXX XXXX ( the consumer )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Problems with TD bank alleging fabricating fraud activity on checking account Disrupting my use of my own available funds, In two separate occasions TD bank fraud department allegedly fabricated fraudulent use of my debit card when no such issue was present Please see following history of TD bank excessively alleging fabricated fraud activities on my checking account.. 

First incident occurred XX/XX/XXXX XXXX ) Case # XXXX Department # XXXX On XX/XX/XXXX TD bank declined a XXXX purchase in the amount of {$65.00} when my checking account had the available funds of {$2000.00} Second incident XX/XX/XXXX XXXX ) Case # XXXX Dept XXXX TD bank declined cvs purchase in the amount of {$26.00} when my checking account had an available balance of {$600.00} TD Deceptive business practices TD bank advertises that they are the most convenient bank. That statement is completely false, I have persistently experienced my debit card purchases declined when there are available funds to cover the purchases.. 

No value for long term customer loyalty TD bank has absolutely no value for their physically challenged senior citizen customers I have been a loyal TD bank customer for 10 consecutive years without no overdrafts or anything else, TD bank has persistently attempted to make me appear as a irresponsible account holder by fabricating these incidents of fraud on my checking account when When funds were available to cover the purchase I made

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
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:
Transunion, XXXX and XXXX XXXX are reporting late payments on my auto loan account XXXX. I previously disputed this account in the past and they have failed to validated and provide proof of the following. 
I would like proof of each late payment, the amount of the fees, and rather the balance adds up correctly for the dates listed below. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If you are unable to verify the items listed above, please remove the late payments in pursuant of 15 USC 1666 Correction Of Billing Errors. 
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 non-monetary relief
Consumer complaint received 2023-06-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made the mistake of sending a partial payment for my mortgage for the month of XXXX without knowing. Few days later ( XX/XX/XXXX ), I received a letter advising that payment has not been received by the bank - no explanation as to what happened ( see attached ), but after realizing that I sent a short payment, I immediately sent the remaining balance ( little over {$200.00} ). 

Around XX/XX/XXXX, I received an email advising a late payment status on my account. Called the bank ( Citizens Bank ), and they notified me that Citizens does not take partial payment on mortgages ( customer service said it was illegal ). On XX/XX/XXXX, I petitioned to XXXX XXXX, to apply existing funds under your possession ( that would have completed the mortgage payment ), and as of today XX/XX/XXXX, still is pending as she is stating that Citizens needs extra time to stop the checks that were issued back to me to refund the partial payments. 

Meanwhile, my credit report has been impacted as Citizens have been reporting me as delinquent, even though you have the funds under your possession. 

I please need someone to help and look at this matter under as Citizens Bank is still under possession of the funds that could have been apply to the mortgage payment for the month of XXXX ( in fulll ) but they refused to do so and instead they reported me as delinquent on the mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2021-03-10
Company: World Acceptance Corporation
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ... WORLD FINANCE CORPORAT XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Had a storm loss on our home, received a check from Insurance carrier to us and bank. 
Bank is stating we have to endorse and send to them, hire a contractor, get proof of his insurance and have him sign a w-9 ( for each contractor ) than have bank send out inspectors before they will release $ .I want to do allot of the repair work myself, as I am skilled in construction. They said I can not!!???? I asked to speak with a manager, they would not let me, I had a XXXX send them a letter, they have ignored so far with no response to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Please look at the attached documents as the personal information you are reporting are not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ive been trying to get a 180 day extension which as cares act informs us we are entitled to. Three months ago i called in for it i was informed i got three month forbearance which i didnt know until now.When i recently called back to bank and spoke to representative they informed me i could only get three months forbearance. 
Now i dont know if i will be able to qualify as per cares act if i need it for two 180 day extensions if needed which is a year.Instead bank will inform me later that i already have to extensions for 90 days which were supposed to be 180 days each. 
if i can have something on paper that guarantees my right to ask in the future as needed for up to one year. i dont know if bank will honor the full year in the future because of the three month increments they have been providing which is only option they are giving me date of first three month forbearance XXXX to XX/XX/2020 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 2021-03-10
Company: Duvera Billing Services, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXXXXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
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. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2023-08-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
: Complaint Regarding Inaccurate Information on Credit Report Complainant : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint against : Equifax Information Services LLC XXXX XXXX, XXXX XXXX XXXX XXXX Dispute of Erroneous Information on Credit Report I am writing to file a complaint against the three major credit reporting agenciesXXXX, XXXX, and Equifaxfor inaccurate and erroneous reporting on my credit file. My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
Below are the details of the disputed accounts and information : * XXXX  XXXX - {$600.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX XXXXXXXX - {$11000.00} and {$9200.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Auto Loan, Closed. 
* XXXX XXXX XXXX - {$1500.00} * Collection account, past due as of XX/XX/2023. 
* Original creditor : XXXX XXXX, XXXX XXXX, XXXX. 
* XXXX XXXX - {$130.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Credit card, Closed. 
* XXXX XXXX XXXX  - {$24.00} * Account charged off, past due as of XX/XX/2023. 
* Account type : Secured Card, Closed. 
* XXXX XXXX XXXX - Secured Loan * Paid, Closed with late payments. 
I believe this issue may be a violation of the Fair Credit Reporting Act ( FCRA ) and require immediate attention. 
I have made several attempts to correct these inaccuracies with the credit reporting agencies without success. These negative items are impacting my credit score and ability to obtain credit. I request the CFPB 's assistance in investigating these errors and ensuring that my credit report accurately reflects my financial history. 
Enclosed, please find copies of my correspondence with the credit reporting agencies, along with supporting documents that prove the inaccuracies. 
Thank you for your attention to this matter. I look forward to a prompt resolution. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX Nationstar Mortgage LLC wote to me advising that I was approved to enter into a Trial Period Plan for a Streamline Modification. I completed the trial payment plan which consisted of trial payments of {$1200.00} due on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I signed the loan modification agreement before a notary public and mailed it. On or about XX/XX/XXXX I went to the Nationstar Mortgage website to make a payment consistent with the loan modification agreement but was unable to do so. I contacted NationStar Mortgage and was advised that the loan modification agreement was still being processed which was why I could n't make a payment. On or about XX/XX/XXXX, I logged on to the Nationstar Mortgage website to attempt to make a payment consistent with the modification agreement. The website stated that my loan modification was denied. I spoke to XXXX XXXX. She informed me the modification was denied because the Notary Public crossed out the co-borrower 's name. On XX/XX/XXXX I received a letter from Nationstar Mortgage stating it sent me a letter providing me with the decision on my modification review but omitted that the decision was based on the eligibility requirements of XXXX Investors. I never received any letter informing me of the modification denial. On XX/XX/XXXX, I appealed the modification denial as outlined in the XX/XX/XXXX Nationstar Mortgage correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: GA
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 sent a letters to XXXX, XXXX XXXX Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I still haven't received anything back. According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, XXXX  Equifax have 30 days to respond to my dispute. 

This is a violation of my rights. 
When they did respond they said everything was verified but they did not show what resources they used to verify accounts and proof I owe debt. I also contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off report. Also accounts are incorrect and are displaying balances when they should be 0 If accounts are supposed to be closed. 


Please reinvestigate accounts below and delete this incorrect information from my corresponding reports. 

Accounts that need to be investigated properly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.

Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

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. 


If any of the purposes are not present please investigate and delete from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX ( results enclosed ). 
Re : disputed items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send the following information used to verify the validity of the above mentioned items in dispute here 1.The name of the original creditor 2.The creditors address and telephone number 3.The person 's name they verified the dispute with 4.The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completene and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

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