BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: MS
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:
XXXX, Equifax and XXXX are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Called the company to explain that the debt was not mine. I asked for verification that I signed any documents for these charges. This debt is not mine and needs to be removed from all the credit bureaus immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: CT
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:
On XX/XX/XXXX, XXXX, XXXX and Experian dropped my credit score XXXX points simply because my XXXX XXXX credit card balance decreased from {$40.00} to {$0.00}. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.

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 2021-07-22
Company: FirstCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX upon reviewing my paycheck I noticed almost {$300.00} were missing, after contacting payroll services i became aware that a " garnishment '' had been placed under my name in the total amount of {$680.00} ( don't know if there are more to come ). Contacted XXXX and they referred me to XXXX under a collection agency apparently called " first collect '' and spoke to " XXXX '' who would then inform of a hospital bill under my name. The hospital is " XXXX XXXX XXXX '' in XXXX DE, according to XXXX from First Collect, this people used all my info and even took advantage of using my own medical insurance, the " date of judgement '' is XX/XX/XXXX so i have no idea when the incident actually happened. Needless to say I have NEVER in my life visited the state of Delaware and have never had the need to visit a hospital in my life. I was able to provide an address for the collection agency to send to my job in order stop garnishing my funds and I was also made aware that the funds that have been taken out of this paycheck is " supposed to be reversed '' i just don't know if its true or when this will be done. This situation completely took me off guard because I have never seen a medical bill from this place in my credit report and i have never received a letter of collection to my address in TX or a phone call which makes me think the fraudster may have given some of her contact info. The only other information I know ( from the collection agency ) is that aside from using all my info there was an address in " XXXX Delaware '' on file but the actual address was not given to me. So this person might still live there. I do believe this may be an undocumented person using my information to work because back in XXXX I almost got denied for unemployment due to the fact that " I was working in the fields '' but it was definitely not me as there has not been a need for me to work in this line of business. This ( i suspect ) is due to a car break before XXXX in in where someone stole my SSN, birth certificate, ID and a few other documents items that were left behind in my purse ; A police report was made under the car owner ( my friend ) in XXXX TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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

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 2021-07-22
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021 i filed an identity theft report with the ftc because I am a victim of identity theft. my information is in the wrong hands and my information was compramised by the equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank uses misleading language regarding wires on their website to avoid committing to sending same day wires. They say that wires need to be " reviewed '' by XXXX to be sent same day instead of " received. '' There is no other guidance on when to send in your wire to get it out same day, so the implication is that XXXX is the cutoff to request a wire. You don't know that your wire won't be sent until it doesn't go through. They do this, so they don't have to acknowledge that they don't send same day wires. It might not be fraud, but its intentionally vague. I'm sure many people have had issues with large our payments due to this language, for example home purchases.

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 2021-10-01
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had linked my Marcus savings account to my XXXX in order to pay someone for a larger purchase ( vacation for a group trip, in which another person paid for the trip up front and we all had to pay her via XXXX ) and it was getting declined despite having adequate funds in the account. I called the customer service number, which was almost completely automated and made it extremely difficult to speak to a person. I spoke to a woman named either XXXX or XXXX ( I'm sorry I can't quite remember ) and explained the situation. She explained to me that I was not allowed to use the account for things like XXXX, paying bills, etc. I asked what the reason for that was and she reiterated that it just was not allowed and I could only transfer to another bank account. 

This seems extremely restrictive and there is really no good reason that I shouldn't be able to access my funds in any way I choose. This makes me especially anxious when considering Marcus has no physical locations. A transfer to my checking account takes a couple days and any other method that I might utilize my money, say by paying an urgent bill or unexpected expense is just " not allowed '' makes it seem like they are trying to implement rules for the sake of keeping the funds locked up tight. Although it is a savings, not a checking account, there are many, many conceivable reasons a person would need to access the funds in a way other than straight to a checking account. Further, it is not the Bank 's duty to police the ways in which a person can access their funds. XXXX nefarious activity, people should be free to access their funds in any way they choose. 
I'll be closing the account so it will no longer apply to me, but it should be noted that Marcus is being unnecessarily restrictive in their use of other peoples ' money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TN
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 several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2018-07-12
Company: NATIONSTAR MORTGAGE LLC
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: Account status incorrect

Complaint:
I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct,  ( XXXX ) XXXX, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several  correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a XXXX XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's  RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a  XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX mrcooper.com

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Starting XX/XX/XXXX to date I have written XXXX letters to XXXX XXXX and XXXX letters to XXXX, XXXX XXXX and Equifax. Copy of XXXX attached. 

XXXX XXXX, XXXX, XXXX XXXX, and Equifax are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my XXXXXXXX XXXX mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from XXXXXXXX XXXX supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to XXXXXXXX XXXX XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We purchased our home in XX/XX/XXXX and our mortgage was {$130000.00} with XXXX XXXX. in XX/XX/XXXX I lost a good job and we missed a couple payments and did a modification with XXXX to keep our home. in XX/XX/XXXX we received notice that our mortgage was sold to NationStar which is now operating as MR.COOPER. From the beginning it has been difficult being a customer of theirs. We have had to modify our mortgage with them last year due to my lack of ability to keep consistent employement. Long story short we were forced to sign a modification with them last year or lose our home as they put it. Our " modification '' is for {$140000.00} I have paid 10 years on a mortgage and owe more now than the day i purchased the home, i missed maybe 12 payments in 12 years, payments have always been around {$1300.00} monthly between both companies and our taxes are escrowed in our mortgage. Regardless, I have paid almost {$170000.00} of the {$180000.00} that I should have paid, but due to being out of work twice in the last 7 years and needing a modification I owe more now than in XX/XX/XXXX when we signed the XXXX XXXX  mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-05-27
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: Account status incorrect

Complaint:
I am having issues with a collection account as they are providing inaccurate and incomplete information. The account should not have a balance as they are reporting. Additionally, I suspect they may be violating HIPAA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
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 belongs to someone else

Complaint:
On XX/XX/2023, I reviewed my credit report from Equifax, XXXX and XXXX and noticed several accounts and inquiries that I did not recognize or authorize. I believe I am a victim of identity theft, and these accounts and inquiries are fraudulent. 

Attached are copies of my credit report highlighting the accounts and inquiries in question, a copy of my identity theft report, a copy of my FTC Identity Theft Affidavit, and proof of my identity. 

I request that Equifax, XXXX and XXXX investigate these matters promptly and remove these fraudulent accounts and inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my mortgage online on XXXX XX/XX/2022. The site said I needed to " recreate '' an account. I attempted to do so, and it said my new password violated their " rules. '' I could not locate any " rules '' on the site. On Monday XXXX XX/XX/2022, I called the company for assistance. They said they were receiving more calls than usual, so I oped for a callback. In the 3 hrs, till they closed, I did not receive a callback. 
I am concerned the company has been hacked and they are trying to avoid telling consumers about it, which is illegal in California. Or they are in financial troubles and do not want that to go public. In either event, they are not helping the consumer with an issue of their making. 
To prevent any late payments, I maile them a check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had called the credit bureau, TransUnion, about there being a hard inquiry that I did not authorize nor have heard about until it showed up in my account. They said I can call the company that I am disputing about to ask if they can send some documentation stating it was a mistake or an error and for me to take that letter and send it through mail to TransUnion to have it removed. However, I had called that company and did as such, yet, the company could not find any records of my information. However, the hard inquiry was there since XX/XX/2021 and it is currently XX/XX/2021. The company had told me to recall TransUnion and explain what happened and so I did again and they said to write a request through the FTC department or file a police report and send a copy to TransUnion 's po box with my information so they can remove it after. I am here now and am stressed with going back and forth between the companies and phone calls and would just like it to be handled correctly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/20 Disputed An Item Been Reported By Collection Agency LVNV With The Amount {$610.00} Which I Was Requasting To Have This Item To Be Removed From All Of My Credit Bureau Since They Verified it [ Without Providing Any Proof, Bearing My Signature. ] See Attachment Below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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 status incorrect

Complaint:
This is 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 2021-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( XXXX, Experian and XXXX ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this request.

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 2023-05-28
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XXXX XXXX- OPENED XXXX XXXX AND BALANCE IS {$480.00} XXXX REPORTED THIS ACCOUNT AND TOLD THEM THIS WAS FRAUD FOR XXXX AND EQUIFAX XXXX 

XXXX XXXX -OPENED XX/XX/XXXX {$490.00} I REPORTED THIS WAS FRAUD AND TOLD THEM IT WAS FRAUD FOR XXXX AND EQUIFAX XXXX 

XXXX XXXX-OPENED XX/XX/XXXX {$510.00} THIS ACCOUNT IS ON EQUIFAX, BUT NOT ON XXXX. THIS ACCOUNT DELETED OFF XXXX, BUT NOT EQUIFAX. EQUIFAX SHOULD HAVE BEEN DELETED THIS ACCOUNT.

Company response to consumer: Closed with non-monetary relief