BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-11
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Nationstar ( Mr. Cooper ) is putting my home at risk by not working my file in a timely manner. At issue is a value dispute we submitted on XX/XX/XXXX as Nationstar has my property over valued and I am trying to sell my home. As of XX/XX/XXXX we still do not have an answer on that value dispute. That value dispute should take no more than 10 days to respond to and we are going now on a month. They have set a sale date on XX/XX/XXXX which is against dual tracking laws since my property is under review for a short sale. This is a violation of CAHBOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I picked up the first few calls to dispute debt, and to figure out what I can do. The first guy I talked to starting saying things along the lines of no wonder why they sent your debt off so quick they dont want to work with you, and other things about my personal life. I asked them to stop calling me and texting and to only email me. They are still calling and will not give me a clear answer to what I need to do. The company is hunter warfare in Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: NY
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted 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 wrong 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 explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: MO
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:
Equifax has failed to notify me of my results from my dispute I sent in over 30 days ago. I need answers to my disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was only aware of the company today XXXX XX/XX/XXXX XXXX as they re ported a collection to the credit bureau XXXX. I didn't know who they were and why they were saying they try to collect from me. I had the same address until XX/XX/XXXX and still have the same phone number I have had for over 20 years. No correspondence from this company or anyone else they claim to represent XXXX XXXX  XXXX XXXX XXXX. I called the comopany to find out who they were and what they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Financial Freedom Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Financial Freedom Mortgage of XXXX XXXX NJ will continue call and solicited me over a year after I asked them to stop calling me. I ask on each phone call to for them to stop calling and they say they will but a few weeks later I get a call again from them. They got my information from XXXX in XXXX of 2019 and I seriously regret completing that application. I was harassed by over a dozen lenders and all stopped calling me when I asked them to stop except Financial Freedom Mortgage NMLS # XXXX. They are an abusive company that doesn't care about me or what is best for me, all they want to do it make a quick buck from their consumers. The are the reason many lenders have a bad sigma.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

In accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Section 809 ( 8 ), the Consumer is requesting verification from you ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: MD
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:
This complaint involves the XXXX XXXX XXXX XXXX XXXX XXXX any other way that XXXX may be reporting on our credit reports, that on my wife credit report changes were made to the account that lowered her credit score. And the XXXX reporting on my account has been deleted entirely from from Equifax credit reporting. 

Please reinstate both XXXX accounts to our credit reporting and then lock them from being further manipulated. The account was claosed back in XX/XX/2021 and therefore should not have been altered or deleted. And in a phone call into the company confirmed that any changes made to the two accounts would not have happened from them, because they confirmed that they do not alter or make changes to a closed account. 

Can this be fixed as I have already opened a couple of previous complaints on the same matter, but much like with ever other complaint I've filed against Equifax, nothing ever gets any attention or is corrected. So to be clear, there is no need to check with the provider because XXXX did not later the accounts nor would they from what I'm told

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I obtained a credit card with Capital One with a credit line of {$300.00} while off in college! Since then I have had Capital One report to my credit as an open account thats derogatory statement and then return with an hard inquiry, like I am requsting a line of credit with them and I nolong seek out credit cards. I believe they are doing wverything they can to keep an account open on me and in a negative status! Which continues to affect my credit Year after Year! I really need to get this resolved now that im wanting to rebuild my credit. I have tried contacting XXXX XXXX in regards to this manner but they will send me around and around to see why they are still reporting negative to my credit. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: Kikoff Inc.
State: MA
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: MN
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:
Equifax leaked my, and hundreds of thousands of others ', personal information in XX/XX/XXXX. Initially I was concerned my personal information may have been compromised, along with so many others, but when my identity was stolen in early XX/XX/XXXX, I became sure. This is absolutely unacceptable and something needs to be done to hold Equifax and other companies accountable! Please do something!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around XX/XX/2020 I called company to resolve a debt, I asked if we could come to an agreement to have debt resolved and they replied yes. I also asked if they would remove debt collection from my credit report and they also agreed that I will no longer see the debt on my credit report as long as I paid the amount we agreed for me to pay. I paid the amount and called the company back because I continued to see the debt on my credit report. I just would like for them to remove the debt from all three credit report agencies.

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 2018-05-23
Company: Immediate Credit Recovery
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The department of Education started garnishment of my employment wages for {$12000.00} XX/XX/XXXX I do not accept the debt under proof of claim the department of Education have not produced any original documents that I signed as proof that I owe anything I contacted the department of Education on XX/XX/XXXX to find an {$8500.00} balance and more uncooperative conditions by the department of Education I tried to stop further financial damages I coresponded certified mail an overpayment of {$15000.00} to cover the balance, processing and administrative fees payment was kept by the department of Education but the account was not credited garnishments of my wages still continue rendering bad credit reporting to the Credit Bureaus I coresponded by phone to the department of Educations collection agency stating I shouldnt have to pay a debt I dont owe unless hard wet ink evidence is provided not a fabricated copy nor should I have to continue to pay a debt I already paid in full the collection agency forwarded me to the department then I was forwarded back to the agency followed by coresponding a letter from the department limiting my communication to the third party collection agency only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted XXXX as advised by XXXX XXXX, but XXXX could not provide information regarding the account as they are claiming it was not reported by them. I contacted Transunion and their response was to obtain a statement from XXXX, stating that I did not initiate the request. I received paperwork to submit to XXXX to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact Transunion. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.

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 2020-06-30
Company: Experian Information Solutions 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:
XXXX XXXX is illegally reporting a collection account that does not belong to me. Original creditor : XXXX XXXX XXXX XXXX The account ( s ) in my name were created via identity theft. I've filed a police report and FTC affidavit to help resolve this issue. You need to stop reporting this account to my credit report and notify them to delete this.

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 2020-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I disputed a fraudulent Capitol One account off of my credit report and its stopping me from opening another account. I have no debt. I dont know if im flagged in the system but whatever is stopping me from opening an account because a previous one was fraudulent needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
After changing email address in my XXXX account, out of nowhere they decided to permanently limit my account. This has to be a mistake. If this is not a mistake, then I would have to talk to my lawyer to remedy this situation. Please take a look into my account and sort this out as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: IL
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:
D

ear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: Nagle & Zaller, PC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HOA Association XXXX XXXX sent my account to the Collection Agency Nagel and Zaller for XXXX. My Account was paid to the HOA agency before receiving the initial collection notice. Check payments noted on statement balance sheet. Notified HOA and Collection agency and account remained in collections. I have attempted to pay my account and settlement amount was denied. Attempted to make a payment arrangements and the payment arrangement submitted to me by the collection agency was incorrect. My account has excessive charges and fees that are not valid. My account has legal court charges for a case that did not go to court. Charges for preparation of an incorrect payment arrangement. Requested payment arrangement on the amount owed and I was sent an arrangement for double the amount that was owed.Email traffic with XXXX XXXX and account still remains with excessive charges and incorrect information. 
Account was paid in full for the collection amount of XXXX before I received the collection notice. Nagle and Zaller was recently sued for unfair collections practices, for practicing without a license. They are attempting to foreclose on Veterans home and rack up excessive collection charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My younger sons email account was hacked by a person who has stalked and harassed me and my sons for the last three years. My sons email has been banned and he isn't able to use his account. Her name is XXXX XXXX XXXX and has hacked into all if our XXXX accounts using my direct express debit card. All of our passwords and debit card info is in my XXXX account. These unauthorized purchases have been made in the last 4 months. They were to XXXX XXXX, XXXX XXXX, and XXXX XXXX,.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-05
Company: Atlanticus Services Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a letter from a company claiming to be " Fortiva XXXX XXXX '' - it was addressed to " dear applicant '' and said the below information was needed to process my application ( which I did not make ) : A copy of social security card An original pay stub or copy of most recent tax return an original utility bill. 

The address for return of the information is : Fortiva XXXX XXXX ; XXXX. XXXX XXXX, XXXX, GA XXXX. 

I looked this up and there is a website " XXXX '' which lists this website. 

Either the cite and the company is fraudulent or someone tried to open an account in my name - either way, I wanted to report and bring to your attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft. The fraudulent accounts on my report are charges that I did not authorize.

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 2018-11-23
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of 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