BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint is against Mr Cooper.

Loan # is : XXXX   Property : XXXX XXXX XXXX , XXXX XXXX Ca XXXX. This is my place but all correspondence should be at XXXX XXXX XXXX, XXXX XXXX Ca XXXX or email : XXXX. My cell phone is : XXXX XXXX XXXX.

I bought this home around XX/XX/XXXX. The house is currently. The lender has claimed I did not pay my supplemental taxes. I disputed and provided ( fax & email ) to the lender. I even complained to the lender, it's not my fault. Someone at the company screwed up and now they started to impound my account for property taxes. I pay my property taxes in full on time. I have been calling every month or so with no response. The last person to help me and sound promising was at XXXX XXXX XXXX. She was helpful and even followed up but then went COLD. The woman claimed the funds from County have been released XX/XX/XXXXand should not be impounded any more. I have called the number several times with no response. Mr copper sent me a legal response on XX/XX/XXXX stating they are investigating this matter. No response so far. My loan was sold to Mr Cooper. Last XX/XX/XXXX I sent email via their web site and they have not even responded to date. This kind of behavior should be penalized. I am on auto pay and have never ever missed a payment.

I even called today before connecting with you guys. They connect me to the XXXX  phone number and eventually disconnects with no answer. Can you help?

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
According to the statue of limitation, in Arizona, the collection agency listed below posted an invalid account on my credit report of {$1000.00} on XX/XX/XXXX regarding a loan with Allied Cash Advance based in XXXX Arizona. I haven't lived in Arizona since XXXX, which clearly discredits the account that was wrongfully posted on my credit report, and in violation of the unfair debt collection practice which has a limit of six years. 

The reporting collections Agency is XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Contact ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
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: Personal information incorrect

Complaint:
**Re : Complaint Against Credit Reporting Agencies for Failure to Respond and Correct Personal Information** To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies : [ Name of Credit Agency 1 ], [ Name of Credit Agency 2 ], and [ Name of Credit Agency 3 ], for their failure to respond adequately and correct inaccuracies in my personal information on my credit report. 

1. **Description of the Problem : ** On XX/XX/, I discovered inaccuracies in my personal information on my credit reports. The issues include [ list specific inaccuracies, such as incorrect name, address, or accounts ]. These errors are not only misleading but also have the potential to negatively impact my credit score and financial opportunities. 

2. **Steps Taken for Rectification : ** In an effort to rectify these inaccuracies, I contacted the aforementioned agencies on XX/XX/XXXX  and provided them with the necessary documentation to correct my information. This included [ list the documents provided, such as identity proof, address proof, etc. ]. Despite my efforts and provision of adequate evidence, the agencies have failed to respond or make the necessary corrections. 

3. **Impact on Me : ** The lack of action from these credit reporting agencies has caused me significant distress and potential financial harm. The inaccuracies in my credit report may affect my ability to obtain loans, secure housing, or even gain employment, as these reports are critical to these processes. 

I trust that the Consumer Financial Protection Bureau will take this matter seriously and help in resolving these issues promptly. I am willing to provide any further information or documentation as required. Thank you for your attention to this matter.

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 2023-07-24
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I paid American Express credit card in full XX/XX/XXXX. Amount {$3000.00}. Due date was XXXX XXXX. It was paid by XXXX XXXX. In XXXX XXXX they sent me a statement for additional interest for {$44.00}. Now, due to penalties and interest it is up to, I think {$280.00}. Their policy states that if it is paid in full by the due date, no additional interest will be charged. I contacted Amex XX/XX/XXXX, disputed the charge and closed the account and cut up the card. They closed the online account and I can no longer view statements. I sent them 2 letters and had 2 or 3 additional phone conversations. I also filed a dispute with the 3 reporting agencies .... to no avail. I had the account for over 7 years and was never delinquent once. They do not explain their inconsistencies and continue to send me emails or letters with inconsistent information. I paid off 13 credit cards in XX/XX/XXXX and American express is the only one to do this. ( I typed my phone number in wrong. It should be XXXX. My cell is XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: NATIONSTAR MORTGAGE LLC
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:
I submitted a request to update my mortgage information to all 3 major credit bureaus in XX/XX/XXXX. My mortgage had not been updated on my credit files sinceXX/XX/XXXX. All 3 reports showed incorrect balances and did not accurately reflect my payment history. In XX/XX/XXXX they were deleted from my files stating they could not verify the status of my loan from Mr.Cooper/Nationstar Mortgage. I contacted Mr.Cooper/Nationstar Mortgage on XX/XX/XXXXand the company have not resolved my issue. Instead, sending duplicate computer generated responses. I have contacted the company via phone and email. I have supporting documentation attached below. I would like my mortgage to be reported to all 3 major credit bureaus with accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my Equifax credit report to find a credit on my Arkansas account. 
XXXX XXXX XXXXXXXX. I do not live in XXXX XXXX, Ark. I live in XXXX, Texas, never lived in XXXX XXXX, Ark.This is a fraudulent account. They got it marked as a charged-off. It Looks like it is for utility services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-24
Company: EQUIFAX, 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:
Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to XXXX, Equifax, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Tenaglia & Hunt, PA
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive owed a credit card debit that I started a payment plan with XXXX XXXX  who is works with a law firm bt the name of Tenaglia & Hunt and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment. Then they waited a whole year to go by and take me to court for {$64.00} and send the company I work for a XXXX of wage notice by the Court house raising the amount to {$130.00}. I've found over 200 of complaints on XXXX with these two company doing the same to many more customers just to get more money out of us! THIS NEED TO BE PUT TO A STOP and needs to reported so others customers dont have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: Nelnet, 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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 
I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Per the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX # XXXX XXXX  - XXXX XXXX # XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 Section 602 : A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2 : States a Consumer reporting agency can not furnish an 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 the 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 or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I sent letters to make my personal info on my credit report be updated. Specifically, I requested my old addresses be updated or removed because I don't live there any more. Moreover, I have submitted necessary documents to show my identity and current address, respectively but TO NO CHANGES AT ALL. 
I also submitted a complaint on FTC about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Unsolicited text from company ( purporting to be Wells Fargo ) saying my card was used and if not aware to log into a XXXX page with logo of Wells Fargo. I do not have a Wells Fargo account or credit card. This was a fishing expedition to get access to my financial data. 

I am worried that I made a mistake by clicking on the link as they may already have access to my phone data or implanted a virus even though I cleared all cookies. 

Here is text that came to my phone. 

WeIIs Noticed your card was used on ( XX/XX/2021 ) XXXX. 
If you are not aware FoIIow : 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 2021-10-22
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: Old information reappears or never goes away

Complaint:
I obtained a copy of my credit report and noticed that the Consumer Reporting Agencies are reporting inaccurate information to my personal information section. I sent in a letter to get it updated i will provide the letter and the document. I want only one of everything in each section

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 2023-11-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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: In progress
Consumer complaint received 2023-11-20
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: In progress
Consumer complaint received 2021-10-22
Company: Experian Information Solutions Inc.
State: AL
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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I sent letters on XXXX, XX/XX/21, XX/XX/21 and sill have these incorrect items. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation, and you did not notate this debt was in dispute. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. I know by law these must be deleted and I am owed {$1000.00} per violation. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 

XXXX  XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, last verified but the bureaus are saying they verified it, date of last activity, date reported, date opened, closed date, not showing a in dispute status, last payment, and credit limit. 

XXXX  - There are several inconsistencies across all 3 bureaus- Account #, High Balance, Date of last activity, date reported, date opened, last payment and credit limit. Also, XXXX is showing a late payment after a charge off which is a violation, how am I late if they have sold off the debt? 

XXXX XXXX There are several inconsistencies across all 3 bureaus- High balance, date of last activity, date opened, dispute status, last payment, credit limit. Also, XXXX and Experian are showing different days late.

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 2023-11-21
Company: EQUIFAX, 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 have accounts passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-12-05
Company: World Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and updated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-10-22
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:
I was a victim of Identity theft. I filed a police report, it was approved, I've sent to all three bureaus as well as creditors/collectors multiple times and nothing has been done.

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