BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-30
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I filed a complaint in XX/XX/XXXX and it was marked complete. The company did not provide information from XXXX of the notification. Mr Cooper failed to pay my insurance in XXXX. Paid the wrong insurance company despite the notification of change in XXXX and failed to notify me of the rejection of renewal ( there wasn't one ) and return of the payment and it caused a lapse in coverage. They don't want to take responsibility for the mistake at all. I'm paying the price now. 

Mr Cooper was given the new insurance in XX/XX/XXXX. Where are the letters from XXXX? They haven't provided any to date and I have requested them. Mr Cooper never informed me that they didn't pay my insurance in XXXX of XXXX. In fact they paid the wrong company and never informed me after the payment was sent back in XXXX. Yes XXXX letters were sent out AFTER I contacted Mr Cooper for again sending the payment to a company that i had in XXXX. I contacted Mr Cooper for non-renewal. Mr Cooper caused the lapse in coverage and the insurance premium increase. I am requesting to see the XXXX notices of coverage rejection and renewal notices from XXXX not XXXX. This could have and should have been avoided had they informed me that the insurance wasn't acceptable and wasn't paid or had they given me proper notification after i sent the new insurance company to them. The old insurance notified them in XXXX XXXXXXXXand they notified Mr Cooper via a letter yet the disbursement went out anyway. Mr Cooper claimed they never got the letter so i had the company resend it. Mr Cooper got the returned payment and didn't ask any questions, they hust applied it to escrow or cut a check to me. I made extra payments and because there was no explanation on insurance i thought it was the overpayment they were returning. Mr Cooper isn't taking responsibility there either. 

Another letter was sent to Mr Cooper ( XXXX ) notifying them that they were no longer the insurance company. Mr Cooper did nothing in XXXX and they have the option to do nothing about the lapse. It's their mistake too. XXXX is gone why am I paying for their mistakes? XXXX is alot for ne to pay for someone else 's mistake and failure. The same company i have now isvthe sane company they were given in XXXX and failed to process it or notify me of any problems. Can I please see letters from XXXX of the non-renewal and returned funds from XXXX and notification to me in XXXX of no coverage. The call log would be nice too because I called them several times in XXXX and they never said anything about the new company being a problem and they still sent a payment to the old company after I notified them of the new company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. It was brought to my attention back in XX/XX/2023 that a collection account from contract callers was reporting an account from XXXX an XXXX company. I notified the company that it did not belong to me and that it was a fraudulent. I went to the police station to file a police report because I was concerned that my identity was stolen. I also contacted all 3 credit report companies to put a freeze and fraud alert. I took all the necessary steps the collection agency and original debt company needed me to do. It was then removed off of my report, a few weeks later it was placed back on my report! This has affected my life tremendously as I recently started a new maintenance business and needed a vehicle to maintain it. It has stopped all my efforts in this endeavor. I have wasted so much time and effort trying to get the creditor to remove this account and they are ignoring my complaints, police report and statements of this account NEVER belonging to me. I never live at the address where the account was associated with and I never tried to apply for credit with this company ever. I need your help as they have ruined me because of it and stopped my effort to succeed with my business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-05
Company: Experian Information Solutions Inc.
State: NY
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:
The following inquires are on my account in the last 10 days that I did not authorize. Below is the information that I have pulled from my credit monitoring service for Experian ; XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX Creditor Contact:XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Account Type : Bank - nonspecific Inquiry Date:XX/XX/XXXX XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : EXPERIAN BUS INFO SOLUTIONS Creditor Contact : XXXX XXXX XXXX XXXX XXXX, CA XXXX Account Type : Credit bureau Inquiry Date:XX/XX/XXXX XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX XXXX XXXX Creditor Contact : XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account Type : Bank - credit card Inquiry Date:XX/XX/XXXX The following are the inquiries from before this date that I also did not consent to : XX/XX/XXXX Inquiry An inquiry has been reported for your credit. 
Reported By : XXXX Creditor Contact : XXXX XXXX XXXX XXXX, OH XXXX-XXXX  ( XXXX ) XXXX Account Type : Sales financing companies Inquiry Date:XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX 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 2022-04-06
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX claimed that I owe {$120.00} to Ability Recovery Services XXXX claimed that I owed {$880.00} to XXXX XXXX XXXX. 

I contacted both trying to get information on these debts. Knowing I had government insurance around these times. Representative was very rude stating that they would continue to make my credit bad and actually hung up on me while asking questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Spoke to a representative for POrtfolio recovery, they are not able to provide me with any validation saying I owe them {$1200.00} I Have not received any previous mail from them., nor am i aware of what this debt consist of. 
I also asked for them to remove this from my credit report until further information is provided to me to validate, and they informed me they are not able to assure they can do this, making it a violation on my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
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:
This is my SEVERAL endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; 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 2022-07-12
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX Account # 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 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In the month of XX/XX/2021, multiple inquires were added to my account. This was completely unauthorized and done without my knowledge or permission. As a result, my credit score has dropped significantly for something i did not authorize or do. I have no idea where these inquires came from because i never inquired about anything in the month of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
In XXXX I was getting calls from them a little bit and I asked them to stop contacting me and then they proceeded to flood my phone with different numbers threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Omnipoint Capital
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Omnipoint Solutions contacted my mom and attempted to get information about my mortgage and if my mom was a co-signer. She is XXXX XXXX XXXX so she believed that the person calling was trying to seize my property. This may be over a {$1500.00} debt not related to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-17
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
There a re   XXXX   compan ies reporting a delinquent account that originated with a 60 month loan with  XXXX  that was secured by a vehicle. T he Loan was  originated on   XX/XX/XXXX   for the loan amount of {$18000.00} at 22.99 % APR with the first payment due on   XX/XX/XXXX  . I paid this loan as agreed until Approximately   XX/XX/XXXX  when the loan was transferred to   XXXX   XXXX   for servicing. I was notified by    XXXX   XXXX  that my balance was still {$13000.00} after I had been paying my payments since   XX/XX/XXXX    ( 5  years ). I disputed this and refused to pay until I was given proper documentation showing payment history and account balances. I never received any response other than an offer to settle the account on   XX/XX/XXXX  which I refused via fax on  XX/XX/XXXX  and asked them to come and pic k up the car that the loan was secured on.      XXXX   XXXX  then transferred the Loan to  XXXX   XXXX  who also tried to collect before selling the account to LVNV funding. I currently have a delinquent closed account being reported on all  XXXX  of my credit bureau reports by  XXXX   XXXX   XXXX  for the loan which was originated with  XXXX  as well as a delinquent Open Collection Account on all  XXXX  of my credit bureau reports  by LVNV Funding  in the amount of {$13000.00} which again was originated with  XXXX . My credit reports also show that the Loan which originated as a 60 month, 22.99 % APR loan secured by a vehicle is now showing as a 128 month real estate loan secured by a property and with a completely different interest rate of 13.32000 % ( shown on the   XXXX   XXXX   Welcome Lett er ) ; comple tely different than the Original Note ( Shown on the  XXXX   Loan Origination Note ) Th e   XXXX   XXXX    Welcome letter does however reflect the correct  XXXX  Loan/Account number and corresponding  XXXX   XXXX  account number, which is then referenced by  XXXX   XXXX  an d LVNV  Funding. I will also include a letter from  XXXX  stating that they no longer have any of the documents of my real estate loan that was originated with t hem ( it was actu ally a 60 month vehicle loan that originated on   XX/XX/XXXX  ) s  o t hey will delete the account from my  XXXX  agency credit reports.     I would like to have any delinquent accounts associated with the Loan that was Originated with  XXXX  be deleted from all  XXXX  of my credit bureau reports PERMANENTLY Deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2017-05-17
Company: Avant Credit Corporation
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
The amount of the loan was over  XXXX . According to my credit report, the payments were inconsistent over the last year and then the payments stopped. I called the company to file the report of theft and the information they have on their file is accurate.     However, they were claiming that i file a report against the BBB and did other actions. They told me they were going to send me some documents to fill out and send to them to claim the fraud and they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
XX/XX/2023 Subject : Fraudulent Activity on my credit report I am writing to dispute the actions of EQUIFAX and laws they have broken against my rights as a consumer. 

These items are fraudulent and in violation of many laws for the following reasons : EQUIFAX is violating my privacy rights as a consumer according to 15 U.S Code 1681 ( a ) as far as accuracy and fairness of credit reporting and 15 U.S. Code 1681 ( b ) in not adopting reasonable procedures in accurately reporting my credit as a consumer.

Reporting transaction history is illegal and another violation of my rights by EQUIFAX according to 15 U.S Code 1681a ( d ) ( 2 ) ( A ) ( i ).

EQUIFAX has also violated my rights as a consumer according to 15 U.S Code 1681b ( a ) ( 2 ) as there has been given no written consent by me. This is also in violation of the Fair Credit Reporting Act.

My rights, stated in 15 U.S Code 1681c ( a ) ( 5 ), which says no consumer reporting agency may make any consumer report containing any adverse information besides the conviction of crimes, are being violated as well by EQUIFAX. 

According to 12 CFR 1022.3 ( h ) this is identity theft, because I did not give my consent to EQUIFAX, which is a crime and violation against another one of my rights.

EQUIFAX is being asked to block this information from my consumer report as per 15 U.S Code 1681c-2.

EQUIFAX has also violated the rights given to me as a consumer in 15 U.S Code 1681e ( a ) & 1681e ( b ) for allowing DEPT OF EDUXXXX XXXX XXXX  XXXX to furnish this information on my credit report in violation of FERPA ( Family Educational Rights and Privacy Act ) 20 USC 1232g ( b ), and by not maintaining reasonable procedures to assure maximum possible accuracy of my information as a consumer.

5 U.S. Code 552a ( 4 ) states that it is illegal for EQUIFAX to have any item, collection or grouping of information about me as a consumer, including my education and financial transactions while at the same time containing my name or other identifying numbers. This is in violation of my rights.

5 U.S. Code 552b states that EQUIFAX violated my rights in disclosing this information without my written consent.

EQUIFAX has also violated my rights in regards to 5 U.S. Code 552b ( 12 ), as they have not obtained consent from me to disclose my information to any other consumer reporting agency in accordance with section 3711 ( f ) ( 1 ) ( E ) ( iii ) of title 31.

I am requesting that EQUIFAX have the item removed.

Enclosed is a copy of the fraud report I filed with the Federal Trade Commission. Please investigate this matter and contact the nationwide credit bureaus to have them delete or block the disputed item ( s ) as soon as possible. 

Warmly, XXXX XXXX Enclosures : A copy of my State ID & A copy of my filed identity theft report,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-17
Company: The CMI Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am monitorin g My Credit report and I contacted Credit Management   XXXX   XXXX ,  2017  @  XXXX  est. I have no contract with  them 15 usc 1692. I ask for a validation. Agent sta ted that I was n't in their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
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:
In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX -- -- DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I dont have any idea about this. 

FOR UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX - XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax XXXX XX/XX/2023 Equifax 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief