BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-03
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX XXXX, I was contacted in XX/XX/XXXX in ref to the home at XXXX XXXX. Where my brother XXXX XXXX had lived until his death until XXXX of XXXX, I was informed of the mortgage on the home and asked if the family would be willing to take over the payments. I was informed that they needed a copy of his death certificate and a summary of my relationship to XXXX which I faxed. From that point, I would called Loancare to inform them that I had not received any paperwork and each call I started to get a run-around. I reminded Loancare that they contacted me, and was told my name was found in the file and now they have an issue with speaking with me. 
I received a phone call from professional services who informed me of the house being on a foreclosure sale and provided me with the name and phone of the legal firm involved. 
When I pointed out the incorrect information on the application and asked who assisted with the application, and accountablity in these actions. The family does not want the home sold and was told that they also could help in getting the payment lowered. I just want the packet sent and how do I make the payment of {$260.00}? I have spoken with my city , county government and legal aid. They all agree something is wrong. I feel that the family is being viewed in a negative light due to possible communication or behaviors from XXXX children, which the family has no connection with. Again, we/siblings are willing to pay the mortgage on our family ( parents ) home at 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 2023-07-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that are not reporting correctly.

15 USC 1681 sec. 602 A. states i have the right to privacy.

15 USC 1681 sec. 604 A sec. 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. Everything being reported is inaccurate and i have never given written instructions to report anything from the beginning of the very first date they started reporting according to 15 USC 1681b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted a form to get a pre-approval letter for a mortgage within the application of Mr Cooper that I used for a monthly payment of my current Mortgage with them. 
Somebody called me, XXXX XXXX, NMLS # XXXX, and I gave him all the required information, including my SSN. He already had all the rest, like email, the company I'm working for, address, tel #, etc. 
Later that night, I received an email with more requirements to move forward on the process, which is fine. But this morning, a day later, I received several calls and texts from other financial companies asking me to work with them. So, after submitting my request and personal information to Mr Copper, I start receiving calls from other companies with my information. Did Mr Copper share my info? They have not only my ssn but also my bank and personal information ; I can not trust them any more, but I am stuck with them since they are owners of my Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: T.S. Holdings
State: OR
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I entered into a lease agreement with XXXX XXXX XXXX, which was prematurely terminated due to a violation of the Right to Quiet Enjoyment. Despite multiple attempts to resolve the issue amicably with the property management, the situation necessitated vacating the premises for safety and well-being. 

On XX/XX/XXXX, I submitted a Notice to Vacate, which was acknowledged by the leasing department on XX/XX/XXXX. Following another incident, we reaffirmed our decision to vacate on the same day. On XX/XX/XXXX, the leasing agent confirmed the receipt of apartment keys and acknowledged our departure from the unit. 

On XX/XX/XXXX, I received a move-out cost breakdown that did not accurately reflect the security deposit amount, which was significantly higher than reported. After receiving this, I made several attempts to contact XXXX XXXX for clarification. Calls were made on XX/XX/XXXX, and XXXX, with follow-up emails sent on XX/XX/XXXX and XXXX, XXXX. The leasing agent acknowledged an error with the security deposit amount during a call on XX/XX/XXXX, but no further clarification was provided. 

The next correspondence was a bill from IQ Data International on XX/XX/XXXX, which included charges that were inconsistent with the initial move-out breakdown. I disputed this collection and requested debt validation on XX/XX/XXXX. The response from IQ Data on XX/XX/XXXX, was unsatisfactory, providing an XXXX spreadsheet without proper validation of the alleged debt. 

Despite these efforts, the debt was reported to credit bureaus, affecting my credit score. I have made numerous attempts to resolve this issue directly with the property management and the collection agency, including 14 calls to IQ Data on XX/XX/XXXX, which were met with repeated hang-ups and a lack of cooperation. 

The collection agency has not provided adequate debt validation, has reported the debt without proper notice, and has failed to investigate the dispute thoroughly. This has resulted in an unfair credit report entry and continued attempts to collect a debt that is not accurately validated. 

I seek the removal of this collection from my credit report and cessation of collection attempts until a thorough and fair investigation is conducted, with proper validation of the alleged debt provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Date of attempt : XXXX Vendor : Equifax Situation - I have been advised by mail received earlier this month from XXXX XXXX XXXX XXXX of XXXX GA of a Data Breach. They instruct me to contact the three credit bureaus and place a fraud alert with each. 

I have today twice gone through the complete process of trying to file a fraud alert with Equifax, including reentering my personal info as requested, then to be indicated that I need to sign into my account, which I dutifully completed.. 
Only to be told my password and log in do not match. 
So I go through their screens to re-establish my identity. 
And once I hit Enter -- the error message come up saying " Can not process. Try again later '' Sheer incompetence posing as a service. 
They no more want to alleviate a data breach than I want to fly. 
But they're eager to sell you services. 

Not sure what you can do - other than to add my complaint to the millions already filed that document corporate credit bureau indifference, and underinvestment in necessary IT support for the customer load. 

I go through this every time I have to work with these people with data breaches. 
I've had enough of this repeated incompetence to stay silent any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: EQUIFAX, 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:
I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX  XXXX XXXX, {$3300.00}, XXXX  XXXX, {$140.00}, {$19.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: T.S. Holdings
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EGL US, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I called the company last month to let them know I cant refinance my loan and the said they knew its a problem with the banking system and they I. T. was working on it. Then I tried it again last week same thing but every two weeks they still manage to take money out of my account. So the banking is not that mess up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX in the amount of {$920.00} As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should 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 2020-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
See attatched Letter dated XX/XX/XXXX refrencing XX/XX/XXXX fraud claim date. Kindly Note statements XX/XX/XXXX through XX/XX/XXXX can be viewed on line. XX/XX/XXXX TOTAL CREDITS APPLIED this period Merchants Credits {$340.00}. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$350.00} {$300.00} My Payment. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$620.00} {$500.00} My Payment {$120.00} Merchants credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$48.00} Merchant credits. XX/XX/XXXX TOTAL CREDITS APPLIED this period {$450.00} {$200.00} My Payment {$200.00} Merchant credits. XX/XX/XXXX {$910.00}. TOTAL CREDITS APPLIED this period are Merchants Credits. A TOTAL OF {$1.00}, XXXX Merchants paid on ID Theft and I paid {$1000.00} on this ID Theft since XX/XX/XXXX through XX/XX/XXXX. USAA REVERSED MY PAYMENTS AND MERCHANT CREDITS {$160.00} in XX/XX/XXXX USAA REVERSED CREDITS {$1.00}, XXXX in XX/XX/XXXX??? DOES USAA POLICY INCLUDE STEALING MERCHANTS AND MY PAYMENTS WITHOUT APPLYING A CREDIT? HOW CAN YOU REVERSE A CREDIT NOT GIVEN? USAA CLAIMS ALL CREDITS ARE INTERNAL. I understand why they would want to hide USAAs POLICY OF STEALING CREDITS NEVER APPLIED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and the aftermath has been one headache after another. I have several account inquiries on my report inwhich I did not authorize, nor do I know anything about. I'm hoping that these unauthorized inquiries can and will be blocked from my credit report. The following inquiries are ( 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 2 ) XXXX ( XX/XX/XXXX ) ( 3 )  XXXX XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 ) XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX, XXXX ( XX/XX/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 2023-04-12
Company: Experian Information Solutions 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:
I called this company to have these inquiries removed. I do not recognize these inquiries and I do not consent to having this false information shared on my personal credit profile. Please remove immediately as this hurts my credit reputation and livelihood. 

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. 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. 

Date : Information : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I need these inquiries removed 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
This company account number XXXX violated my rights to privacy against the law. U.S.C 1681section 602 a. States that I have the right to privacy.

And also, U.S.C 1681Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a 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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion requested my credit card information when I created an account. I figured it was for credit score purposes but no instead they charged me $ XXXX  monthly for four months straights for a service I was initially told was a one time fee of {$4.00}. No where did they state they charged a monthly fee. It was extremely difficult to cancel the membership and I am so upset by their lack of transparency.

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 2023-07-11
Company: Westlake Services, LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Westlake financial services is committing securities fraud with my security. I also received a 1099C and 1099A from them canceling the debt yet they are still charging me, and when I tried contacting them about this no one seems to know anything about what I'm asking and then they will hung up on me. I need my account to be XXXX OUT! AS THE DEBT HAS BEEN CANCELED AND MY TITLE SENT TO ME. I WILL GIVE YOU ALL 10 DAYS TO FIX THIS OR I WILL GO TO COURT FOR SECURITIES FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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:
i was never late on the Paid off Accounts listed above. Please show me documents showing proof of transaction, showing i was ever late to support your inadequate reporting on my account. If you can not supply this please delete these late payments from my credit report. These are invalid late payments. FCRA allows 30 days for this to be rectified.

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 2023-07-26
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I sent a letter to all 3 credit bureaus on XX/XX/2023 regarding information that is inaccurately being reported on my consumer report. I sent a copy of my ID as well as a utility bill along with the letter which I will also attach to this complaint. It has been well over 60 days and I have not seen any changes. My information is still inaccurately being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: FL
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 have been trying Experian to removed this innacurate information from my credit and still reporting this inaccurate information in todays XX/XX/23 report number XXXX showing in my report XXXX XXXX account number XXXX amount {$1400.00} collection management co account XXXX amount {$1400.00} This XXXX company are claiming the same account and im tired that I have to send letters to Experian and still on my credit

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