BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a complaint through the CFPB to a collection company that pertains a collection account on my credit report. The collection account is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

The complaint numbers through the CFPB are XXXX and complaint numberXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
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: Information is missing that should be on the report

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, submitted a complaint through the CFPB to a collection company that pertains a collection account on my credit report. The collection account is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

The complaint numbers through the CFPB are XXXX and complaint numberXXXX

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 2015-07-07
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX/XXXX/2015 I received a " Final Request '' letter from Nationstar Mortgage. The later states " We have received your inquiry for the Making Home Affordable Modification Program. Please find enclosed the following documents that must be completed in full and returned to Nationstar Mortgage in order for us to begin the evaluation process. Please Note that during the evaluation period your home will not be referred to foreclosure ... ... .. '' The letter said that Nationstar needed to receive the documents by XXXX/XXXX/2015. I completed the documents and emailed them to the email address that Nationstar provided in the letter and also emailed them to XXXX XXXX, who is my Dedicated Loan Specialist on XXXX/XXXX/2015. I know that the documents received because because on XXXX/XXXX/2015 I got an email from XXXX that stated " YOU SENT THE WRONG LOAN # ... THIS IS YOUR LOAN # XXXX. I HAVE SENT DOCS TO BE UPLOADED SO THEY CAN BE REVIEWED BY OUR PROCESSING TEAM. FOLLOW UP IN XXXX DAYS. '' In error I put XXXX on the paperwork. I was also contacted on XXXX/XXXX/2015 by Nationstar regarding more documents that they needed, which I sent. On XXXX/XXXX/2015 I received an email from XXXX that stated '' Dear XXXX, Nationstar needs to receive additional documents to continue reviewing your account for a modification. Your modification request is currently on hold and faces the possibility of rejection until Nationstar receives the additional required documents. Please return these documents as soon as possible. 
Please email your missing documents to your Dedicated Loan Specialist, XXXX XXXX at XXXX, or call XXXX if you have any questions. 
I sent all requested documents to XXXX on XXXX/XXXX/2015. Currently I am not aware of any further documentation they need. However, today I received a letter dated XXXX/XXXX/2015 stating " Your Mortgage has been referred for foreclosure. " Why Has my Mortgage been referred to foreclosure when the letter on XXXX/XXXX/2015 said that if I sent the documents by XXXX/XXXX/2015, which I did, the Mortgage would not be referred to foreclosure? 
I have not received anything stating the modification has been denied nor have I been notified that they need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; STATE ECU XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; RESIDENT VERIFY XX/XX/XXXX ; XXXX XX/XX/XXXX ; 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 non-monetary relief
Consumer complaint received 2023-06-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX, today, I received another notice and loan documents. I don't need a loan. I'm paying the principal amount every month. 
I tried to reach my account online and it's been removed. Can not make any payments online, period. 
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 2019-11-22
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage on a rental property that is almost paid off. We owe about $ XXXX. on it at this time. we have excellent credit and always pay our bills on time. 
This particular mortgage we have had with XXXX for the past several years. We have been very happy with their services and efficiency. 
Recently, we received a letter in the mail indicating they have sold this particular mortgage to NewRez, LLC. While I understand reassigning a debt is common practice and has happened to us many times in the past, I am very unhappy with this choice. We read reviews on line indicating they fail to make escrow payments, they fail to pay refunds when they are due, and generally have " loose '' business practices. 
I realize it is possible to deal with this type of company if one is particularly careful, but I am seriously alarmed by the notation at the bottom of the letter that was sent to us notifying us of the change in service. It says " Goodbye RESPA XXXX, XX/XX/2019 ''. This indicates to me that the company has no interest in protecting my rights and feels no responsibility to provide consumer protection or behave with integrity. 
I attempted to contact them to discuss the matter, but could only obtain a recorded message. I contacted XXXX to see if they could assist me. They said my " investor '' was XXXX, and I would have to contact them directly to discuss the choice of companies they had made. I called the number the very nice XXXX employee gave me, but it was not in service. 
I have no one to discuss this with, and no choice in the matter it would appear. In the past, this would not have been a concern, but I find this situation alarming. I have worked in XXXX XXXX for many years and realize the serious value of RESPA, and do not want to work with a lender who makes it blatantly clear at the outset they have no intention of protecting my rights. 
Please let me know if there is anyone who can assist me in this matter. 
Best Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
My Mortgage loan with Rushmore Loan Management Services ( purchased by Mr. Cooper in XX/XX/XXXX XXXX  ), was transferred or sold to Rushmore Servicing with a balance of XXXX. Notice was only received 15 days after the transfer. Mr.Cooper ( doing business as Rushmore Servicing ) raised my monthly payment from {$1300.00} to {$1300.00} without providing notice or justification. 

No balance was due on XXXX, per the Rushmore Loan Management Services online website, a subsequent statement was published for that date by Rushmore Servicing requiring the new higher payment {$1300.00}, due on XXXX. 

The XXXX payment of {$1300.00} was made on XXXX 

The XXXX payment ( {$1300.00} ) was scheduled for XXXX  and posted to my bank account that day. That payment has not been reflected in the Rushmore Servicing account, still showing a payment due for XXXX 

Additionally, Mr. Cooper reported my 30 year mortgage as closed to the Credit Bureaus XXXX XXXX XXXX XXXXXXXX ) effectively downgrading my credit score. 

Repeated attempts to contact Rushmore Servicing Customer Support on the matter just result in waiting on hold for 30 minutes then a disconnection.

One wonders if Mr. Cooper ( Rushmore Servicing ) staged their own 'hacking ' incident to distract from their incompetent and invalid processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: AmeriCollect
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am writing this complaint in regards to the alleged debt AMERICOLLECT INC is currently alleging that I owe ( Exhibit A ). After receiving an abundant number of phone calls from AMERICOLLECT INC, I wrote AMERICOLLECT INC by certified mail # XXXX on XX/XX/2021 notifying them of a CEASE AND DESIST ( Exhibit B ) where I clearly outlined the civil violations being committed under the Fair Debt Collections Practices Act. I also notified AMERICOLLECT to stop all further collection efforts and to cease any and all communication with me. A few weeks ago, I received a letter from AMERICOLLECT INC stating that two of the accounts referenced in my cease and desist had been cancelled. ( See Exhibit C ) However, they provided no information for the other accounts. Most recently I was notified by XXXX ( Exhibit D ) and XXXX that AMERICOLLECT INC is now reporting these derogatory accounts on my consumer report and damaging my reputation!! Not only is AMERICOLLECT INC committing civil violations but now they are continuing to harass me over an ALLEGED debt that I disputed since XXXX!!! On XX/XX/2021 I received a notice from AMERICOLLECT alleging that these accounts had been validated and that I owed this debt. First of all, only I, the consumer can validate a debt. Second, they provided me with copies of my medical treatment and visits. This is sensitive personal information! I have never done business with AMERICOLLECT INC nor have I ever entered into any contractual obligation. Lastly, I never gave my consent for any of my medical information to be shared!! I am demanding that AMERICOLLECT INC delete these accounts from my consumer report immediately and to stop ALL collection efforts at once! I do not take this matter lightly, and THIS IS MY FINAL NOTICE TO AMERICOLLECT INC. on the infringement of my rights and right to privacy!! This is sensitive medical information that is being shared without my consent! If this matter is not taken serious by AMERICOLLECT immediately I will be pursuing further litigation and will demand compensation for all of the damages this has caused me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: TX
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 urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX Balance Owed : {$82.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$70.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX Balance {$660.00} XXXX XXXXXXXX Balance {$160.00} XXXX XXXXXXXX Balance {$70.00} 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 non-monetary relief
Consumer complaint received 2022-06-12
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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 writing to express my extreme frustration and disappointment with your handling of my previous disputes regarding a fraudulent account on my credit report. Despite my repeated efforts to have this issue resolved, the fraudulent account continues to persist, and I am left to bear the consequences of your inaction. 
XXXX XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
I demand immediate action to rectify this ongoing issue. You have had ample time to investigate and remove the fraudulent account, yet it persists on my credit report, damaging my creditworthiness and causing me undue financial harm. This continued negligence on your part is not only a violation of the Fair Credit Reporting Act but also a blatant disregard for the rights and well-being of consumers.

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 2023-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.

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