BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-09
Company: EQUIFAX, 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 mortgage was transferred from XXXX XXXX XXXX to XXXX XXXX  XXXX. I owed some fees of $ 700+. XXXX said I could pay it at any time so they did not report it with the regular payment but separate. XXXX has been reporting both together and and it shows on my credit report that I am past due when I am NOT. Thus hurting by credit score. 

I have paid the fees in full {$810.00} cancelled check attached. Also attached is cancelled check for XX/XX/2018 payment proving that I am fully current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26
Company: WELLS FARGO & COMPANY
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone is using my identity to get loans and sending them to other accounts not in my name

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 2020-06-17
Company: Data and Contact Management Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father, XXXX XXXX XXXX, passed away on XX/XX/2020. He had absolutely no estate whatsoever. The only creditor he has had in the last 20 years is a credit card through his bank, which he paid monthly and which was at XXXX balance at the time of his debt. He had no medical bills because he was a XXXX  military veteran and had a combination of XXXX and XXXX for Life. On XX/XX/2020, I received a harassing form letter from a company called DCM Services, based in XXXX, MN, stating they know my father passed away and they wanted to know who is authorized to pay any bills that may be outstanding against the estate of my father,. NO CREDITORS ARE CITED IN THIS LETTER, and I know for a fact they have no clients they are representing. A quick XXXX Search of this company shows numerous complaints of this company using this same ambulance chasing practice with other folks whose loved ones have passed away. A call to the NV XXXX  ( my dad resided in NV with me ) revealed 39 complaints by this company for this same practice of sending form letters to the families of people with no estates and no debts - in the past three years. I have filed a complaint with the MN XXXX  and the MN Dept of Commerce. I am sure there is a federal law that prohibits this kind of predatory collection activity. ESPECIALLY NOW WHEN OVER 100,000 PEOPLE HAVE DIED IN A PANDEMIC. HOW MANY FAMILIES ARE BEING UNDULY HARASSED IN THEIR TIME OF GRIEF?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I received an advertisement in the mail for a 0 percent balance transfer on a credit card with American Express. I responded to the advertisement. When the paperwork arrived in the mail, with a credit card attached, it stated 0 percent on new purchases for 1 year. I called the number on the paperwork. They said it was not for balance transfer. I explained the miss understanding and said I will not be activating this card. I did not need a credit card. I never removed the card from the paper, nor did I activate it by calling the number on the card and nor did I remove the sticker on it. 

Now XX/XX/XXXX, I receive and email that I have a balance do on an American Express Card. I called to report Fraud, since I do not have an American Express Card. They inform me that its a charge from them for a yearly fee. I explain the situation and that this card was never accepted. I was talking to the Fraud department on Saturday Night at XXXX pm and they said I could contact customer service on Monday. 

On Monday Morning I call and reach< XXXX a manager in the XXXX XXXX Florida office. She said they do not give out last names or id numbers. She said its a yearly fee they can not remove but she can help me cancel the card. I kept explaining that I do not have a card. I asked to speak to her manager, but she said her name is XXXX and she is out sick. 

I take get effort to keep my credit in excellent standing. I do not appreciate them not removing this fee. this is not a card that I have ever activated and I am thankful I ev paperwork to know what they are referring to. This was XXXX years ago that I received that information in error. I have never received any correspondence until now. It is absolutely absurd that I would own them {$95.00} but she was not willing in anyway to help removed this from my credit report. I do not want this reflecting me. I did not use utilize any credit from American Express. I did not go into agreement for any yearly charge to utilise one of their cards. I do not feel I should pay a charge in XXXX for a misunderstanding that happened in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Account status incorrect

Complaint:
From XXXX of XXXX I submitted multiple letters to XXXX, XXXX and Equifax to XXXX investigate and show me proof and validation of the items reporting on their Credit reports with my identity. To this day, nothing has been furnished or provided to me with proof of debts and amounts they illegal report to the world, when I apply for credit which is negatively impacting my personal life. Here is sample of the letter : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 
Item Number Company Name Account Number Comments XXXX XXXX XXXX -please delete and remove this account from your XXXX XXXX XXXX XXXX please delete and remove this account from your report XXXX XXXX XXXX XXXX please delete and remove this account from your report-XXXXXXXX XXXX XXXX XXXX  please delete and remove this account from your report - XXXX XXXX XXXX XXXX please delete and remove this account from your report- XXXX XXXX XXXX, Inc- please delete and remove this account from your report- XXXX XXXX XXXX bank card services- please delete and remove this account from your report- 8787 Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. 
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit reporting 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:
On XX/XX/XXXX and XX/XX/XXXX Barcalys Bank Delaware, submitted hard inquires on my credit report. I have never done business with them. I have not applied for credit in at least a year. I also have an active fraud alert on my credit report. I spoke with them in XXXX regarding that incident and was advised that this inquiry would be removed within 30 days. Yet is was never removed. 

Further, when attempting to make contact with them regarding the XX/XX/XXXX inquiry, I am stuck in a phone tree and the system hangs up on me. 

I contacted XXXX and they advised that in order to have this inquiry removed, I need a letter from Barclays. Because I am unable to contact them, I am unable to get a letter to have these inquiries removed. 

Please help me get them engaged so these inquiries are removed from my credit report. Also, please notify them that I NEVER want to do business with them so they do not have my permission to EVER run my credit. 

Thank you, 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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I sent the letter on XX/XX/2022 to XXXX Trans Union and XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. According to the law XXXX XXXX XXXX procedure in case of dispute accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumers reporting agency is disputed by the consumer and the consumer notifies the agent directly or indirectly through a reseller of such dispute the agency shall free of charge conduct a reasonable investigation to determine whether to dispute information is in accurate in records the current status of the dispute information or delete the item from the file in accordance with paragraph XXXX before the end of the 30 day period beginning on the date which the agency received the notice of the dispute from the consumers or reseller

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 2023-01-16
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:
*THIS IS NOT MY ACCOUNT *I DID NOT AUTHORIZE ANYONE TO USE MY NAME TO OPEN THIS ACCOUNT I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help

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 2015-04-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have an XXXX loan from th XXXX. It started with XXXX then they turned it over to XXXX. A few years ago the loan was turned over to Nationstar and that is when all the trouble started. They told me when the loan was set up the taxes and insurance were taken out of the payment. The payment was always XXXX. When it went to Nationstar we paid insurance and taxes thru XXXX XXXX XXXX. This seems to me to put more on the principal than the way it was set up. I have made the payment every month to Nationstar, every month {$1800.00}. They change the payment amount, they added an escrow account, paid taxes once and then returned the money. My loan has never gone the way it should. My husband and I are in our XXXX, neither XXXX of us are in good health. XXXX months ago my husband was on XXXX. I do n't know what to do anymore. They have ruined our credit rateing. I have spoken to them for years about this loan and another smaller loan that is also from the XXXX, and also had terrible problems. This has been going on for years. I have faxed them my bank statements to prove payments were made. I have sent paper work. So far my bill if up to over XXXX in faxing and mailing paperwork. I speak to someone that understands and agrees then it all happens again. It is like they figure it out but no one writes it down or lets anyone else know about the outcome of our understanding. Please tell me what I can do. I just sit here and cry at times I am so frustrated. Please tell me what to do now. I recently received and letter asking me if I had an attorney. Maybe getting an attorney is the only answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: ARS National Services, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed XXXX {$1600.00}. The account went into collections and was serviced by ARS. I began paying them and they then offered a settlement agreement. I paid the entire settlement agreement onXX/XX/XXXX. It stated it would take 30 days for my credit report to reflect it. Well XXXX 's is now reporting on my credit report that I now owe {$330.00}. 
So I called ARS. They stated they submitted that they payment agreement was paid in full to XXXX and that I need to contact XXXX. I called XXXX and spoke with XXXX, # XXXX. She said that I paid ARS, not them, and I that I owe them the remaining balance of {$330.00}. She said I made an agreement with ARS, not XXXX. So I still have a balance due with them. ARS was acting on XXXX behalf in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/XXXX and XX/XX/XXXX Ive sent over everything the credit bureaus asked for me to send. I sent over, ID, Social Security, Document Letter, Identity Theft document, just to get no response or resolution about this matter. 

XXXX XXXX XXXX XXXX {$6700.00} XX/XX/XXXX XXXX  XXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXX This accounts are not mines,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on my personal property by selling it at auction on XXXX XXXX, XXXX in direct violation of HBOR law. Nationstar Mortgage failed to complete a review of my loan modification submission and request for relief. In addition, they have failed to offer any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for me. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclosure on my property. I ran our financials on the Nationstar Mortgage and Know Your Options website and the result was that we are eligible for a loan modification with a lower payment to save our property. See attached documents. So there no reason why Nationstar should denied our request or foreclose on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: Sequium Asset Solutions, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Sequim Focus Receivables Management I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-16
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am filling another complaint to provide an update regarding my previous complaint, filed under reference number XXXX in XX/XX/2023. Despite the initial response from the company in XXXX, wherein they assured me that they were not reporting the account in question and agreed to provide validation while ceasing further communication, I regret to inform you that the situation has taken a turn for the worse. 

To my dismay, I have recently discovered that the company has chosen to report an invalid account to the credit bureaus, resulting in further damage to my already compromised credit file. This action is a clear violation of their previous commitment, as well as a breach of my consumer rights under the Fair Credit Reporting Act and other applicable laws. 

I am deeply concerned about the consequences this unauthorized reporting will have on my financial well-being and creditworthiness. It is evident that my civil rights have been violated, and I am left with no choice but to escalate this matter further if a satisfactory resolution is not reached promptly. 

I deeply value your commitment to ensuring fair and accurate credit reporting. However, it is disheartening to witness the ongoing harm to my credit file despite the assurances provided by the company. I trust that you will take swift and decisive action to rectify this situation and safeguard my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
Transunion is in violation of 15 USC 1681b, permissible purpose of consumer reports. I did not give written instructions for these items to be reported to my consumer reports. Also, a fraudulent account was opened in my name with XXXX XXXX XXXX and it can not be verified as valid or my obligation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 


7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/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 non-monetary relief