BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2016-05-30
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Nationstar claims they are collecting a debt and or servicing a debt for XXXX as a result of transfer from XXXX. Nationstar has not provided a servicing agreement between them and the alleged noteholder. On XX/XX/XXXX, Nationstar 's counsel sent an abandonment of Acceleration referencing acceleration of XX/XX/XXXX that was accelerated by their predecessor. XXXX acceleration is irrevocable for the following reasons : 1. XXXX exercised the remedy to foreclose on the propoerty on XX/XX/XXXX. 
2. XXXX agent executed a foreclosure deed on XX/XX/XXXX. 
3. XXXX was awarded Judgment of Possession on XX/XX/XXXX. 
4. I detrimentally relied on the foreclosure sale and subsequent post-foreclosure eviction. 
5. I filed a lawsuit on XX/XX/XXXX, to stop a wrongful post-foreclosure eviction that is currently pending to date against Nationstar 's predecessor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/2023 regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX - XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX XXXX XXXX account for the month of XX/XX/2023, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to a response from Equifax within 30 days of the receipt of my letter. This response should include detailed documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

It has now been more than 30 days since I sent my initial request, and I have not yet received any of the requested documentation. It is essential to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

Given that the legally mandated timeframe has passed without a response, I formally request that Equifax Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX XXXX XXXX account for XX/XX/2023. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

I am fully aware of the crucial role accurate credit reporting plays in maintaining fair and reliable credit assessments. Your swift cooperation in resolving this matter is of great importance to me. 

Thank you for your attention to this issue. I anticipate a timely response containing the necessary documentation and details outlining the steps taken to rectify the inaccuracies on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-26
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: 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. 

Account Name : XXXX XXXX  XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account XXXX XXXX Account Name : XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account # XXXX Account Name : XXXX XXXX XXXX & Account XXXX XXXX Account Name : 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 A Section 2 : It also states 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 information, other than records of convictions of crimes which antedates the report 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 causse to believe that the information is in accurate.

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 2023-02-09
Company: P&B Capital Group, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My wife received a text message stating ( XXXX XXXX please call P & B Capital Group LLC at XXXX XXXX ) for file # XXXX to avoid a delinquent tradeline report. ) This company has not talked to my wife and has not sent any letters regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITO
RS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt remove
d ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov.

14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Pursuant to 15 U.S. Code 1692i ( b ) - Legal actions by debt collectors ; ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. They are attempting to violate my constitutionally guaranteed rights by depriving me of my property. My property is exempt by law from dispossession or disablement. As one of the People ( as seen in the Texas Bill of Rights Article 1 Section 2 Texas Constitution ) I have a right to be secure in my person, houses, papers and possessions from all unreasonable seizures or searches ( Article 1 Section 9 Texas Constitution/ Bill of rights ) No citizen of this State shall be deprived of life, liberty, property, privileges or immunities, or in any manner disfranchised, except by the due course of the law of the land. ( Article 1 Section 19 Texas Constitution/ Bill of rights ) To guard against transgressions of the high powers herein delegated, we declare that every thing in this " Bill of Rights '' is excepted out of the general powers of government, and shall forever remain inviolate, and all laws contrary thereto, or to the following provisions, shall be void. ( Article 1 Section 29 Texas Constitution/ Bill of rights ). Whatever statute or code NATIONSTAR is attempting to use to deprive me of my right to property is repugnant to the constitution and void.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. My personal information has been used to get loans in my name. The credit reporting agencies are not doing the work properly to remove these accounts. They are fraudulent. I am filing disputes and they are not attaching the correct paperwork I am sending and sending me copies of the verification process per the FCRA

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 2022-11-05
Company: YSA ARM LLC DBA Oxygen XL
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 at XXXXXXXX XXXX I drove into parking lot, it stated to enter credit card and to get out, it stated to insert credit card, i did and on the way out, same thing, insert credit card, I paid with credit card as appears on my statement. Appoximately XXXX XXXX later i get a serious of bills with by tag asking for over {$100.00} in late fees and threatening legal action or collection. 

It is a scam!!! I spoke to other people near XXXX XXXX and they say to watch out for that place. They make it impossible to dispute. Frusrated with this, i mentioned to my family at dinner and my son said they bullyied him on almost {$400.00}!!!! last year. XXXX XXXX XXXX is everything But professional. I will attached my credit card payment, the parking sign, the last bill, copy of receipt of my dispute request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX I wrote check number XXXX for {$100.00} to XXXX XXXX. On XXXX it was cashed as check number XXXX. On XXXX it was cashed again as check number XXXX. I first called US Bank on XXXX. I was told I would receive paperwork I never received. I called again on XXXX and spoke to XXXX. I was told it was a double posting and I should see the money in my account in XXXX days. On XXXX I called a third time and spoke with XXXX and XXXX. I was told a fraud case was opened and I would receive paperwork in the mail. I never received the paperwork. On XXXX I went to my US Bank and met with XXXX. I was told it appeared both a double posting and a fraud case were opened. Both times more information was requested by the company, although no one requested more information from me. Both times the requested information was not received and no one followed up or contacted me. On XXXX I left a message for XXXX wanting to know where the case stood. I received a message back saying it was being worked on. On XXXX I returned to US Bank and spoke to XXXX who opened another case and said the money should be in the account within XXXX days. I then asked to speak to the manager, last name XXXX, and requested the money be placed in my account now while they continue to investigate. I was told that was not possible as " debits have to equal credits! '' and told I should see the money in my account in XXXX days. I don't believe them anymore.

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-10
Company: Velocity Portfolio Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Velocity Investments , LLC is deliberating and diligently engaging in flagrantly violating federal laws. I reached out to them via my last CFPB complaint to resolve this issue swiftly. However, they have chosen to delay and be deceptive and misleading with their last response to my CFPB complaint. Velocity admitted to illegally purchasing and communicating with XXXX XXXX XXXX about this alleged debt and account account which are both individual violations of federal law. They also are stating I owe the alleged debt on this account and are one of the current furnishers of this account to my consumer reports as they have admitted to illegally purchasing it from XXXX XXXX XXXX Velocity Investments , LLC blatantly continues to break federal laws by sharing details of said alleged debt and account with XXXX XXXXXXXX XXXX who they claim is their servicer. This violates several federal laws which are all outlined in my Affidavit of Truth attached below, more egregiously my right to privacy which I own. XXXX XXXX XXXX stated to me via the CFPB that Velocity Investments , LLC furnished all this inaccurate and false account information to them in XX/XX/XXXX and also told them this information is all accurate allowing this alleged servicer to keep furnishing this inaccurate negative account to my consumer reports. They do so based on clear instructions from Velocity Investments , LLC who can and must instruct them to delete these account from my consumer reports immediately. As the federally protected consumer and natural person pursuant to Title 15 Chapter 41, I have made my demands known to Velocity Investments , LLC as is my right under federal law. Attached below is my Affidavit of Truth which Velocity Investments , LLC received and signed for on XX/XX/XXXX which outlines all my demands as the federally protected consumer. All of my outlined remedy are demands and not request. My Affidavit of Truth outlines all of Velocity 's individual willful violations of federal law along with a clear break down of the federal law to avoid any confusion. I advise whoever receives this complaint and Affidavit of Truth at Velocity Investments , LLC to forward it to their executive leadership team and legal team. This is my first official step in my private administrative process and their legal team will understand what this means. Included in my attached Affidavit already in their possession is my invoice which Velocity must pay to resolve all outlined issues ( federal law violations ). This is also a demand pursuant to federal law as is outlined in the attached document. Failure to resolve this matter swiftly only causes me more injury and will have much more of an adverse effect for Velocity as I advance in my private administrative process in the near future.

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 2023-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
My account and card was repeatedly hacked for the past few years. Most recently {$2800.00} stolen from my account. After I had it frozen and new card sent because I was told someone was tyring to hack it and called not being able to say my name properly. Clearly the information was not relayed to the agent that allowed a person to change my email and wire XXXX XXXX XXXX XXXX 

This last one took weeks for me to get the funds back and was told they could not promise me they would get the funds back. I was totally stressed, unable to pay for my daughter 's after school activities, was behind on rent and charged, car payments bounced. 

I have had probably 6 cards in the past 3 years. Every time I got a deposit my card got hacked and I would have to wait for this to be fixed and/or new card. 

It was extremely stressful probably cost me over a few XXXX XXXX  or more in fees for bounced payments for rent and bills. Caused me to. miss deadlines, unable to pay for gas and utilities causing me to cancel important apts. 

I dom't understand how my account could be hacked that many times and how they were not able to fix the matter. The indivicual ( s ) clearly knew when I was getting a deposit and that to me shows a big issue with Bof A security and privacy policies and system.

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 monetary relief