BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Please review complaint # XXXX. Nationstar/Mr. Cooper responded to this complaint with documents emailed to me and your office. Their XXXX letter states a request to remove negative reports for XXXX through XXXX XXXX  was submitted XXXX, inferring they contacted 4 credit bureaus by including bureau contact info. A 2nd letter XXXXXXXX  disclosed that their processing error triggered the autopay draft to be rejected, causing the missed XXXX pymt. 

In follow-up calls to the credit bureaus, I discovered Nationstar misrepresented sending letters of correction on XXXX. I can not believe, after all the disputes and complaints I filed, they represented it had been taken care of, then had the audacity to report the delinquency as accurate or not send the correction notice to 3 of the 4 bureaus! 

1 : XXXX : XXXX XXXX stated theyve had NO contact from Nationstar since the original over-30-day delinquent report for XXXX ( shouldve been XXXX ) ; I filed a dispute by phone. I had not previously filed a dispute with XXXX, as I did not know of this bureau until I got Nationstars letter. 

2 : XXXX : XXXX did not receive a letter correcting XXXX, XXXX, or XXXX XXXX negative reports. Supervisor XXXX confirmed they received a digital notice XX/XX/XXXX verifying there was no pymt history for XXXX and it was over 30 days late. Previously they received an over-30-day delinquency report XX/XX/XXXX for the XXXX pymt, and the account was reported closed on XXXX XXXX. There were no other notices between XXXX and XXXX. I filed an additional dispute by phone against the new & old delinquency reports and will mail copies of Nationstars letters per XXXX request. 

3 : XXXX : XXXX XXXX advised the dispute was completed XXXX ; only XXXX had been reported delinquent, which was removed. They will send a letter XX/XX/XXXX when the update posts to my acct, after which I can obtain a new credit report. 

4 : XXXX : XXXX XXXX stated there was a recent report from Nationstar, unknown date ( stated the report date/content are not available to reps ). Currently it shows the XXXX pymt as >30 days late, no others. Previously it showed XXXX, then XXXX, later XXXX, as two 30-day-late payments. XXXX and XXXX have been removed, but not XXXX ; the request to remove negative reports is incomplete. 

Please investigate why Nationstar misrepresented sending letters of correction! After 5 months arguing over their processing error, they are still punitively misreporting!!! 

I am forwarding copies of the two letters from Nationstar to all 4 credit bureaus, since Nationstar is too inept to handle their responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: FL
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: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 explanation
Consumer complaint received 2023-09-25
Company: Shellpoint Partners, LLC
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to SHELLPOINT MORTGAGE XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm a survivor of data fraud. I'm writing to demand that you block the accompanying false data from my credit report. I'm currently applying for another advance and these mistakes are causing an issue with my FICO ratings revealing appropriately, so any assist you with canning give me with refreshing this data quickly would be enormously valuable. We are hoping to purchase a house. If it's not too much trouble, 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 non-monetary relief
Consumer complaint received 2022-05-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 explanation
Consumer complaint received 2020-04-14
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have been a victim of fraud for years. I recently checked my credit report and noticed a lot of errors and fraud accounts. I send identify theft reports and letters to bureaus and haven't received any updates to my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am submitting this claim regarding the business spark credit card account ending in XXXX I have with XXXX  XXXX in regards to the excessive amount of incorrect past due fees, increasing the credit balance thus have been incorrectly reported to the credit bureaus : Transunion, XXXX, XXXX, and XXXX XXXX XXXX. 

The following past due fees were assured to be removed by a supervisor I spoke with in XXXX of XXXX, since the XXXX XXXX dashboard would not let me add any type of payment card to make payment on-time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total amount of late fees that were assured by XXXX  XXXX to be removed : XXXX XXXXXXXX  XXXX has not removed these late fees of {$150.00} and have incorrectly reported two missed payments to Transunion in addition to reporting the wrong balance of XXXX, causing my card to exceed the {$500.00} limit. 

Therefore, I would like the past due fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX removed from my account, making my total credit balance- XXXX  I came to this calculation by deducting the past due fees of XXXX from the current incorrect balance of XXXX 
I would also like the interest expense adjusted accordingly. 

I have been trying to resolve this issue for months, each time I am referred to a different XXXX  XXXX representative who assures me this issue will be resolve and I should see this reflected on my credit report within a few business days. 

XXXX XXXX has affected my ability to obtain new credit and has tarnished my personal and business credit reputation on the basis of incorrect information. 

I would like this issue resolved immediately as I feel this is very unfair as XXXX XXXX is at fault. 
Additionally, I have called XXXX XXXX on several occasions to switch credit card types-from the XXXX  XXXXXXXX XXXX XXXX XXXX to the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. Every time I call making this request, I am given the broad answer of " Unfortunately we can not switch your card at this time, because the system will not allow us too '', which does not provide a reasonable explanation to the hard inquiries ran on my credit report and I do not receive any additional information, including by mail, on the reason I could not switch my credit card type. 

Doing business with XXXX XXXX, personally or as a business has been very inconvenient and frustrating to say the least. I hope to shed light on this situation, so others can avoid similar situations.

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 2023-08-23
Company: EQUIFAX, INC.
State: CA
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 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 XXXX XXXX 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 COMPANY DOES NOT HAVE MY AUTHORIZATION. COMPANY NEEDS TO DELETE THEIR REPORTING ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-07
Company: Experian Information Solutions Inc.
State: LA
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 was taken advantage of several laws were being broken under the fcra by your company this is causing financial injury, defamation if character I can't apply for credit under theses crisis can't uptain credit. Credit report not accurate with 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 2022-11-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax. I have applied for a loan. The loan company can not access my credit because of a freeze. I never froze my account. However, when I call Equifax to remove the freeze it is supposedly lifted. However, the loan company can not access my credit as it appears to be frozen. 

The Equifax website indicates that it is not frozen. But the loan company still can not access the account. 

Endless calls. Endless time spent with customer support. Yet my credit can not be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 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 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.

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 2023-08-23
Company: EQUIFAX, 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:
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.

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 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: GA
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:
It has been a battle going through all these and I am submitting this CFPB complaint requesting to the Credit Reporting Agencies to delete the disputed Fraudulent accounts and information completely from my Credit File. This is my 2nd attempt to inform that I was a victim of identity theft and that the accounts I am disputing were the results of such crime. I previously asked to the Credit Bureaus to remove the the disputed items to correct my Credit File and send me copies of proof of verification if the Credit Bureaus claim that the disputed items belong to me. However, the Credit Bureaus have failed to send me copies of documents I asked from them. I also sent dispute letters to the Credit Bureaus attached with complete documents of proof of identity and Identity Theft Report I received from the FTC. I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted and request that the Credit reporting Agencies to remove the disputed items before I am forced to take legal actions. Once again, please remove the following items completely from my Credit File : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-05-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 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 explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-01-05
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
Received a notice of pending forced placement for insufficient flood insurance, shortage of {$7800.00}. Property is owned by my husband [ XXXX XXXX ] who became sole owner after the death of his mother [ XXXX XXXX on XX/XX/XXXX ]. Current flood coverage is {$180000.00}. XXXX XXXX is +/- {$140000.00}. Previously notified by PHH that no further advances on this reverse mortgage are allowed since the borrower is deceased. Per FEMA the maximum allowed flood coverage a lender can require is the lesser of these three items : {$250000.00} as the max allowed in the Regular program, or the current UPB or, the maximum line/loan allowed on the reverse mortgage. Since no further advances are allowed the maximum coverage should be the current UPB. I scanned my request for re-consideration based on the above logic on XX/XX/XXXX. I received emailed notification from PHH that no reconsideration would be granted on XX/XX/XXXX and they will proceed with forced placement .PHH XXXX XXXX XXXX  is the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection showed up on my credit report for XXXX XXXX XXXX, XXXX. in the amount of {$1000.00}. I sent a letter to the agency stating that the debt is not mine and requested them to remove from my report. I received a letter stating that the debt is mine with a vague statement but I have not opened an account with XXXX XXXX XXXX, XXXX. and the debt is not mine. This is the second account that has appeared on my credit that I did not open. I feel that this may be a result of my pending divorce and accounts are being opened without my permission. I have taken steps to put a fraud alert on my credit but this is showing from XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
The credit card company is stating I made a late payment and that is not the case. There were two months in 2018 when my payments were returned by them and I had made the payments with a new bank account. They said they didn't receive but the monies showed withdrawn from my checking account and were scheduled automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: GA
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 submitting this CFPB Complaint to request to the Crediet Bureaus to remove the disputed accounts being reported on my Credit File that do not have the rights to be reported on my Credit File. I previously asked the Credit Bureaus to remove the reported accounts from my Credit File since these accounts do not belong to me. The XXXX XXXX accounts belong to my daughter and I have nothing to do with these accounts. Please comply with the Fair Credit Reporting Act and have these accounts removed from my Credit Report as soon as possible. I need you to please take a good look at the following accounts : XXXX XXXX XXXX  XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX Balance : {$39000.00}. In accordance with the Fair Credit Reporting Act, please have these accounts removed from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation