BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : SYNCB/LOWES XX/XX/2023 To Whom It May Concern, I am writing to inform you that I am deeply concerned about an unauthorized inquiry that you made on my consumer report. As a responsible consumer, I believe that it is essential for companies to respect the privacy and security of their customers ' personal information. However, it has come to my attention that you obtained my credit bureau report without my permission or a permissible purpose, which is in violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b. 

I have not initiated any transactions with your company, nor do I have an account with you for review or collection purposes. Therefore, there is no valid reason for you to access my credit report. Your actions amount to a violation of the FCRA, which is punishable by law, and I am prepared to take legal action if necessary. 

According to the FCRA, any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined, imprisoned, or both. Your actions not only violate my privacy rights but also put me at risk of identity theft. 

I demand that you remove the unauthorized inquiry from my credit report immediately. Moreover, I am willing to settle your civil liability damages for the violation of my privacy rights for {$1000.00} pursuant to FCRA 15 U.S.C. 1681n. If you fail to comply with my request and refuse to settle the matter by making payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receiving this notice, I will seek actual damages, which are greater than {$1000.00}. 

Please send payment immediately via certified funds to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. I hope we can resolve this matter amicably without the need for legal action. 

Sincerely, 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 2023-07-13
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:
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 explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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: Experian Information Solutions Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, I sent certified mail a letter that included all my disputes and a copy of my drivers license and Social Security card. I waited 30 days and I contacted Experian again and spoke to a supervisor named XXXX XXXX. She states on XX/XX/2023 that they never received the information. I then explain to him that I had resent everything again in a certified letter that was delivered to them on XX/XX/2023, and then I had received a card back from Experian that they had signed for the package. The name the Experian signed with was XXXX XXXX. He said that he would put in another request looking for this new mail. He also told me I could dispute things using the upload tool, but that has not worked because every time I do it I do not receive an email or anything stating the dispute is in process. Ive notified them of that several times with no resolution. Im just not understanding why I am sending them certified mail and Im not getting resolutions. I thought all disputes took 30 days and now they are not even looking at any of the Mail that I am sending them. I have filed a complaint with the Iowa Attorney General as well. I thought us consumers had rights about incorrect information on our 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
Consumer complaint received 2021-07-09
Company: BARCLAYS BANK DELAWARE
State: IL
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:
In XX/XX/2021, I opened a dispute with my credit card for a charge. In XXXX, I called back to check the status. They told me they needed more information. On XX/XX/XXXX, I faxed them all the information about the claim, including the Merchant policy that was not honored and evidence backing up the claim. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check the status of my dispute. Each time they told me that either I hadn't faxed them information yet XXXX which if false ), or that the claim was still being processed and I would receive an update within the next few weeks. It has now been almost 180 days since I opened the dispute, and 120 days since I called back to check on the status. Consumer protection law says that the credit card company must acknowledge the dispute within 30 days, and respond within 2 billing cycles ( ~60 days ). No matter how you write it, it is well past the allotted 90 day period and I have not received a single response or update. 

Additionally, my friends made the exact same purchase with the exact same merchant with different credit card companies, and they initiated disputes in XXXX and their disputes were solved XXXX in their favor ) in XXXX. So other credit card companies recognized this merchant as faulty back in XXXX, yet my credit card company has not even sent me a response and it is XXXX already.

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 monetary relief
Consumer complaint received 2022-02-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-09-19
Company: EQUIFAX, INC.
State: IL
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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Frontline Asset Strategies, LLC
State: FL
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 have no idea about a collection account that appears on my credit file. I wrote the collection agency a letter demanding proof of what they were collecting and reporting. This was over 60 days ago and they have just ignored the letter and continued to report wrong data to my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's been over 30 days since my dispute, and I received a computer-generated stall letter from the credit company.

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 2023-07-26
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I have stated, I have no knowledge of the account and do not claim ownership of the debt in question, in spite of the documents the company has enclosed. In response to my initial letter to the company disputing the validity of the account, I received a notice threatening to sue me for a balance I do not owe on an account that does not belong to me. 

I have a fraud alert on my credit report, which has been in place since 2017. Since then, unfortunately, my name, address, SSN, and other identifying information have been compromised numerous times. 

Again, I have no knowledge of this account. During my initial dispute with the credit bureaus, this item was removed from my credit report as the account. Months later, it repopulated and I was never given any information regarding why it was being reported again. I have filed another dispute with all three major credit bureaus, as per the Fair Debt Collection Practices Act : 809. Validation of Debts and Fair Credit Reporting Act : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. As such, again, I am requesting that this account be deleted from my credit report immediately as the account is not mine and due to non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In 2021 my mortgage was sold to Mr Cooper. Prior to them taking on the loan, they paid property taxes when they were paid out of the former servicer escrow. They repeatedly have refused to address the issue with the City of XXXX and we are currently out of pocket ~ {$5000.00} and they and the City refuse to reimburse us the homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
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:
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 XXXX XXXX XXXX. 

Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : DEPTEDXXXX Account XXXX Account name : DEPTEDXXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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 2020-08-14
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX, a debt collector, called my husband 's business cell phone seeking to speak with me. They purportedly believed the number to be mine. They stated to my husband that I had owed a debt for a Barclays Juniper credit card that was supposedly opened in XXXX and defaulted in XXXX. 

My husband let them know that he would discuss the matter with me, as we were not married until XXXX and he had know knowledge of such a debt. Frankly, neither do I, I don't recognize the account, and have had prior issues with family members opening and operating accounts in my name. My husband and I requested that they send evidence of the validity of the debt, and they sent a letter on their letterhead identifying Barclays Juniper, the amount of {$1300.00} as owed, and a settlement offer of {$750.00}. My husband and I each spoke with XXXX XXXX XXXX on XXXX and advised them that the letter they send in no way indicated evidence of a valid debt. We requested a signed credit agreement, list of charges, etc, which they refuse to provide. They claim that they do not have to provide such evidence. On the letter they sent, there is a provision stating that information about the original debt may be obtained by written request. I have requested this in writing, but only today, XX/XX/XXXX, not even four full days after first being contacted about this matter. 

Yesterday, The collector once again called my husband on his business cell phone, this time threatening legal action if the matter was not immediately resolved. My husband once again stated that the information they provided was in no way evidence of a valid debt, and that we would not settle some phantom debt, that we would need to see evidence that the debt was valid. The exchange became heated and the collectors threatened that we will be responsible for more than {$3000.00} in legal fees when they serve us. 

Today, my husband received yet another call on his business cell phone, from a person claiming to be a XXXX XXXX ( AZ ) process server advising us that we will be served court papers today. This is deplorable, as they refuse to provide evidence of the debt, and are now apparently taking us to court. I am hard pressed to think that they are within their rights to refuse to provide evident of a debt that we do not acknowledge, and actively contest. As such, we seek the intervention of your agency. We have also filed a complaint with the New York Division of Consumer Protection as the address shown for the collector is within New York State.

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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2016-09-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, Im writing this letter because im having difficulties with my mortgage company, As of XXXX 2016 i was no longer able to afford my monthly mortgage payments due to the company that i work for is going thru some bad times and they had to cut my hours. 
i called Nationstar Mortgage and at the beginning they told me i was eligible for a HAFA Short Sale in order to avoid foreclosure, they told me to hire a realtor to place the property on the market. 
After 60 days on the market we finally received offers and were submitted to my mortgage company for approval, Nationstar told me that in order to continue they had to perform a Brokers Price Opinion which it was done a week later. After 2 weeks waiting for Nationstar Mortgage to call me back, i reach to out to them and they told me that their report came back at {$470000.00} value. 
I told them that i did n't agree to that value since there is no homes selling for {$470000.00}. Nationstar told me that i had an option to dispute the value and i had to pay for a full appraisal in order to take my dispute in consideration. 
So i paid for the appraisal out of my pocket, 10 days later Nationstar told me that my value dispute will be under review since they confirmed that the appraisal that i paid for show a value of {$340000.00}. 
Now Nationstar told me that they will reduce the price to {$440000.00} otherwise they will foreclose on my home. I believe this is not fair since the current offer that we have is {$380000.00} over {$40000.00} from the current value and Nationstar seems to have bad intentions against our home. 

Now after i called to speak to a manager and no one wanted to help me, Nation star has placed a Foreclosure Sale Date on my home set for XXXX/XXXX/16.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My two mortgages were sold to Sun Trust in XX/XX/2021, I was not aware of this re-sale of my mortgage until XX/XX/2021, so I made payments right away after I realized my mortgages was sold to the new lender, Suntrust. I filed a dispute through Suntrust a few weeks ago, my dispute was denied and when I called the dispute center and Suntrust told me they called me and left a message for the sales of my mortgages. But I checked my phone logs and voice messages and it turned out I have never received a call or any voice message from Sun Trust. So I filed a complain about Suntrust and questioned if Suntrust made its best due-diligence to inform me that my loans have been transferred and I had a few missing payments. today I received the response from Sun trust. I will attach the letter here. I have a question about the Sun trust 's response. The company knew that my two loans were newly transferred to them and I have never made any payment since the transferring. The apparent reason is that the borrower might not have received the notification and not aware of the changes. Should Sun Trust make sure to let me know or make sure that I am aware of the transferring? On the letter they said they have made a few attempts to call me but unsuccessfully in reaching me. This is ridiculous! First they told me my late payments wont be reported on my report, and then told me Sun Trust called me and left a voice message to inform my missing payments, and now they told me They have made a few attempts to call me but unsuccessfully in reaching me. I have my mobile phone call logs from XX/XX/2021 to XX/XX/2021 attached here. No one from sun trust even called me for any reason. If sun trust called me please show me which number you attempted to call and when you made the calls. Please provide your proof that you have made the attempts to call me and leave me the voice message..

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