BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This is the email I sent to Mr. Cooper which has 4 complaint issues : " I need a phone number to speak with someone at Mr. Cooper regarding multiple issues with your company. I've tried 6 different numbers, including the one on your website and your social media page, NONE WORK! 
Mr. Cooper unfortunately, took over my mortgage from XXXX XXXX a few months ago. Since then, I've had nothing but headaches from your company! 

1. ) I received a call, and an email from my home insurance company ; YOU have not paid my insurance bill via my escrow, it's now late and I'm being threatened with policy cancellation by the insurance company! 
2. ) I received a text message from Mr. Cooper at XXXX about a system outage. If you can't figure out a proper time to send out tests, remove me from your notification list! XXXX is not acceptable!!! 
3. ) I received an email from Mr. Cooper regarding a cyber security attack. I've had zero information since then .... Has my information been compromised?!?!?!?!????? 
4. ) When you took over my Mortgage a few months ago, you performed a 'hard pull ' on my credit. This has dropped my score XXXX points. I did not ask for my mortgage to be transferred and I certainly did not authorize a hard pull on my credit. Get this removed now. 

I will be filing complaints with XXXX my AG 's office and CFPB if I do not receive a phone call from a Mr. Cooper representative today. 
My contact info is below, I will expect a phone call today. 

I inserted my name address phone number here

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
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 logged onto my Credit report, and I see that I have a debt from " XXXX '' that started:XX/XX/XXXX ; the debt company is located at XXXX XXXX XXXX XXXX XXXX XXXX . XXXX ; I contact them and they indicate that's it an account about XXXX XXXX XXXX, yet they can not tell me any details about the debt in terms of what they amounts are for - bill, equipment, months deliquent, etc. In Short, they can not validate the debt. In addition, they tell me the the account has been bought by another debt collector - yet they don't have the number. I try to XXXX the debt collector they told me " XXXX XXXX XXXX '' and it states they are now out of business. 
I am concerned that this debt was 1 ) not validated and 2 ) I never received any written notices whatsoever. 
The debt acct. says acct. no. " XXXX '' and the amount is : {$1600.00} I would like your help to contact them and get this deleted from all ( 3 ) credit  card companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: AK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019, Wells Fargo Bank withdrew XXXX per a Court Order instituted by the Law Office of XXXX XXXX for HOA fees. I was not contacted by mail or e-mail by the firm that the funds would be taken from my account and all the bank could tell me was that it was a Legal Order Debit transaction and they are authorized to take funds via a legal Order or writ from the Court. I am baffled by how this can happen and would like to know how I can prevent a Law Firm or creditor from doing this in the future is. For the collection of HOA fees. I would like to know what laws authorize a bank to withdraw funds when a debt is owed. Doesnt seem fair or right. Lots of consumers have debts out there that remain uncollectable until an agreement for payment is made with the consumer.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the late payments from this account : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}

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 2023-05-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 explanation
Consumer complaint received 2023-08-10
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
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:
My consumer report has been improperly used and my rights have been violated. In accordance to 15 USC 6801, 6802, I was supposed to be given the appropriate notices to report anything on my Consumer Report, then be given the option to opt-in or optout of allowing that information to be reported to my consumer report and then given the exact process to be able to optout securely. 
1. XXXX XXXX 2. Community Loan Servicing I need for all of this information to be removed from my consumer report. In addition, there's one reporting in particular I never even heard from and they have not responded to the certified letter I sent them a month ago. They need to be removed from my consumer report as well. 
1. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: MN
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 going issue with closed accounts. Reporting on my credit profile. The information was pulled from consumer reporting agencies- XXXX - XXXX - experian - these accs are fraudulent closed accs- I filed a complaint and fraud report with federal trade commission- and my states attorney office regarding thees matters- please remove the filling accs - XXXX XXXX  -acc # XXXX XXXX XXXX -acc # XXXXXXXX XXXX XXXX -acc # XXXX Please note that these accs was tied to my adress and email - details are enclosed with the documents attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: Resolute Credit, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Collection company is trying to collect on a account that was fraud on a old XXXX XXXX account I had I reported charges that I didn't make on the account XXXX XXXX did not want to close the account and there was charges I didn't make on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that 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 MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX  Balance : {$9700.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On Saturday XX/XX/XXXX I went to XXXX XXXX XXXX in XXXX XXXX, AZ because they wanted to purchase the truck back that I bought from them last year, XX/XX/XXXX. They made me initial a green piece of paper for them to do an estimate/inspection on my vehicle. After they inspected the vehicle they said they would only be able to do a trade in on a new purchase. I never gave them permission to run my credit report. I did look at the dealership at the available cars but I did not like anything. I was not there to purchase a new vehicle, I was there because they wanted to buy the truck back. I called them today XX/XX/XXXX and asked them to remove it and they would get back to me. The salesman called my husband later today ( XX/XX/XXXX ) in an effort to sell him a new truck. My husband brought out that they ran my credit without my consent and he replied that he was under the impression that I gave consent and signed a form to that effect. My husband asked him to send a copy of the form via email but they have yet to produce any signed consent form.

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 2023-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 U.S.C 1692 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXXNELNET XXXX XXXX XXXX XXXXNELNET XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a )
( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: FL
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
This is regarding Wells Fargo Dealer Services and acct. no. XXXX 1 ) This load was a rip off for several reasons -- all loans between XXXX are now part of a Class Action lawsuit from Wells Fargo due to them illegally placing CPI ( Collateral Proection Insurance ( CPI ) on all vehicles despite our aleady having insurance 2 ) They also were applying dollars paid to the interest including insurance and not the Principal, so it makes all payments during this time frame look late for 30 days 3 ) They also went in an placed a fraudulent payment on the account although payments were no made. 
The car was ultimately repossessed due to the exboritant payments and fees

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 2018-05-08
Company: CITIBANK, N.A.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I opened a credit card with XXXX XXXX on XX/XX/XXXX. I used that credit card to buy new tires for my car, I paid the balance. These are payments dates from my bank statements : ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$150.00} ) ** XX/XX/XXXX XXXX   Online Pmt XXXX Web ID : Citictp ( {$200.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) ** XX/XX/XXXX XXXX Online Pmt XXXX Web ID : Citictp ( {$200.00} ) I have bank statements that shows all of the above the payments. My balance was {$0.00}. I do not remember I used that credit card again. On XX/XX/XXXX, I was checking my credit report, I found that there is a report from XXXX XXXX credit card against me that they closed the credit card because of no payment of the bill. I called the XXXX XXXX credit card to investigate what is that balance and why they closed the credit card without any notification. They told me that there is a balance of {$43.00} not paid and they tried to collect it and they could not collect it so they closed the account and reported that to the Credit Bureau. I told them I am not aware of the {$43.00} bill, and I never received any notification of that balance, I did not receive any mails, Emails, or any phone calls. I asked them to fix that problem of sending a false information to the credit bureau and closing the credit card with out contacting me. They are very rude and their answer is " NO we can not do anything ''. 
I would appreciate it if you please could investigate my issue with the XXXX XXXX credit card and to fix their inappropriate report against me to the credit report and to remove that from my credit history.

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 2023-11-01
Company: EQUIFAX, 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 & Equifax 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 response to consumer: Closed with non-monetary relief