BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: EQUIFAX, INC.
State: NY
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:
1. I have never been late with payments on this account. Balance on the account is wrong. 
XXXXXXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. Other information I would like changed. Date of opening account is not matching with original documents. 
XXXX AccoXXXX XXXX XXXX XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete it immediately. 

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against Bureau company. I have sent four previous letters to the Bureau, all by certified mail ( receipts enclosed ) requesting that you remove inaccurate information from my file and they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX To whom it may concern, This dispute I'm writing for the following information on my credit report and need this information removed from my file. The items deletion are listed below. I am a victim of identity theft and DID NOT open these account on my credit report. I ask the items be deleted to corrected my credit report. I reported the theft of my identity to the Federal Trade Commission and have copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete these items soon as possible. 

Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Accounts : XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPEN DATE : XX/XX/XXXX Inquiries : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y

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 2023-01-11
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:
I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO I WAS 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. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS:
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 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

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 2023-05-16
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Per code 15 USC 1681 b & 15 USC 1681s-2 Us 242 You Must follow the law as it has been put in place to protect the consumer which I am. Honor my request this has been my second attempt Ive lost thousands of dollars paid high interest rates aggravating headaches stress and loss time this is my last attempt if this isnt COMPLETED AS SUCH I WILL MOVE TO LITIGATION!!! Also its illegal to freeze a consumer account you have been put on notice.

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 2016-02-29
Company: NATIONSTAR MORTGAGE LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
ever since XXXX mortgage sold our account to nationstar we 've been getting harrassed with written statements none stop. we went through bankruptcy XXXX last year in XXXX to be done with this but nationstar still harrasses us to this day. charging up insurance and other stuff to a non existent account. we 've had XXXX lawyers send them letters telling them to stop harrassing us but they twisted that into only verbal and not written. so now i ca n't contact them but they still harrass my family non stop with written statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX XXXX ( XXXX ) purchased loan from XXXX XXXX in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX full payments were made. XXXX of XXXX I was contacted by XXXX and asked if I wanted to take part in Covid deferment plan offered by them. My wife was unsure of her work status due to the closures of the XXXX so we enrolled in the plan. It was explained to us that the payments missed would just be added to the end of the loan. In XX/XX/XXXX, loan was sold to XXXX XXXX XXXX. While with XXXX it was very difficult to communicate with them, nothing was done by email, all through USPS. When we could get someone on the phone, they would inform us that paperwork was in the mail. Tried to get out of the Covid relief, but agents would keep telling me that it was scheduled until XX/XX/XXXX, and I should wait until the program ended. XX/XX/XXXX finally got some correspondence from XXXX, cancelled deferment and was able to start making payments again. While in the process of restructuring that loan, it was sold again to Fay Servicing. I was never notified of the sale and who would be the new servicing agency. It wasn't until I went to make a payment to XXXX in XX/XX/XXXX that I found out it had been sold. After calling and finding out what company purchased the loan, I contacted Fay Servicing and had to have them set me up in their system. It took 3 months for Fay Servicing to activate the loan so I could continue payments in XX/XX/XXXX. I was under the impression that they were following what I was told from XXXX, deferred payments added to the back of the loan. When I found out they were restructuring the entire loan, I was not happy. My interest rate, payments and loan balance all increased. After 3-4 attempts trying to speak with my loan representative, I was finally able to get him to return my call. He informed me that this is how it works and there was nothing I could do about it, and that I shouldn't have let it go this far and I should have just kept making the payments. His advice was to wait the 5 months and refinance the loan. I waited the 5 months and tried to refinance. That's when I found out that Fay Servicing had reported that I was over 120 days late and my credit report was seriously impacted. I contacted Fay Servicing and asked that it be reviewed and have the credit report adjusted because the Covid Relief was not supposed to impact your credit negatively in any way and I was never late with any payments to Fay Servicing. I was making payments to them even though I was never contacted and informed of the sale of the mortgage and had to search them out on my own. They declined the request, when I asked for an explanation I was told it was declined by the review board, they felt that they had followed the correct procedure and the matter was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
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:
A mortgage broker pulled my credit. They pointed out that i had a couple negative items on my credit report. I contacted the creditors and it turns out, they are fraudulent.

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 2016-02-28
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar mortgage is trying to force me into an escrow account with them. they bought my loan from XXXX which dummy up an escrow account so they could sell it to nationstar. 
I have not been late on my payments with either company, but their issue is my XX/XX/XXXX taxes which by the way, are paid my me. XXXX county Missouri will accept a payment from anyone on anyone 's account. XX/XX/XXXX, XXXX ( my previous mortgage lender ) made a {$180.00} payment on my property taxes and attached a dummied up escrow account to my loan so they could sell it to nationstar. Nationstar became I loan servicer XX/XX/XXXX. I have never been late on my payments with XXXX XXXX XXXX, XXXX or nationstar. 
Prior to this I did not have a escrow account with XXXX XXXX XXXX or XXXX. 
Ntionstar is now softly threatening me with foreclosure actions if I do n't establish and maintain an escrow account with them. I 've repeatedly advised them that by my contract an escrow account is and has not been setup or will be. I have paid my XX/XX/XXXX and XX/XX/XXXX taxes. I 've requested that if they can not maintain my loan without an escrow account to sell it to someone else. their reply is for me to refinance with someone else. ( money to do so and time I do n't have ). I want XXXX and Nationstar mortgage investigated for predatory lending practices as well as some assistance on how to resolve this issue. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 non-monetary relief
Consumer complaint received 2023-05-12
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 15 USC 1681. 

XXXX : XXXX, XXXXXXXX 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 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 2023-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I  HAVE BEEN A VICTIM OF IDENTITY THEFT. YEARS AGO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BY 2 PEOPLE WHILE BEING WITH MY FAMILY. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DURING THAT TIME A LOT OF HOUSES NEAR ME HAD THERE ROBBED BUT IT SEEMS AS IF THE POLICE ISNT DOING ANYTHING ABOUT IT. THERE WERE A FEW NAMES ON WHO IT COULDVE BEEN BUT NO ONE HAD EVER BEEN ARRESTED FOR IT. IM WILLING TO PRESS CHARGES ON ANYONE CONNECTED TO THIS. REMOVE/BLOCK THIS FRUAD INFORMATION FROM MY CREDIT REPORT WITHIN 4 DAYS.




FRAUDULENT ACCOUNTS: 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: Fay Servicing, LLC
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello : Fay Servicing LLC is a debt collector working for XXXX XXXX a Division of XXXX XXXX XXXX XXXX XXXX. 
We have several attempts to discuss a trial payment plan sent to us that is not affordable, but XXXX XXXX, the account manager at Fay is completely unresponsive to emails or phone calls. 
The amount that Fay is trying to collect is different from the original debt and not documents were provided to show why there is a difference. 
They are trying to foreclose on our home. We have XXXX  children and XXXX is XXXX XXXX XXXX. 

The loan was divided in two loans, one was dismissed in XXXX Superior Court when XXXX XXXX just like Fay Servicing try to collect. 

We need assistance from the CFPB to stop this injustice. 
XXXX Family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has been consistently careless, unprofessional, and lazy about correcting errors that they made. It took 10 days of constant follow-up on my part to ensure that my account was accurately updated. I can not fit my complaint in the XXXX allowed characters, so my full complaint is added as the first attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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: Account status incorrect

Complaint:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00XXXX XXXX XXXXXXXX Balance Owed : {$16000.00} I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

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 2022-05-04
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was purchased by Mr. Cooper in XXXX of XXXX. The previous mortgage company, XXXX, had paid my XXXX tax bill, and then Mr. Cooper also paid it ( vi XXXX ). The extra payment was the refunded in XXXX of XXXX ( verified with XXXX XXXX, AZ ). I became aware of this in XXXX of XXXX when my escrow payment greatly increased. The agent and I quickly realized the double payment, and then I verified it with XXXX XXXX. 

After getting no help, I then verified with XXXX that the refund was received from XXXX XXXX, and they were in process of refunding it to my escrow account. That was on XX/XX/XXXX, and the funds are still NOT in my escrow account. 

I have been dealing with XXXX XXXX XXXX most recently, and previously XXXX XXXX XXXX. Both of these contacts have just given me the run-a-round. They keep saying to " be patient. '' As far as I'm concerned, they have had my money since XXXX of last year, and it should be in my account. 

I would appreciate any help you could provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Reporting late payments. No payments where late on the loan

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 2023-09-05
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The company, Midland credit management is reporting negative to all three credit bureaus as reporting is a negative item I have written to them several times, asking them to provide verification. Ive written to all three credit agencies asking for written verification, and no one has responded. Its been 110 % complete neglect. This debt is not tied to anything existing on my credit and needs to be removed. Its currently being reported on XXXX XXXX will not respond and Midland credit management will not respond but its showing as a negative I want to escalate this item and I want to removed asap

Company response to consumer: Closed with explanation