BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida   DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-10-24
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I requested a fax of the mortgage pay off amount with XXXX Nationstar Mortgage LLC a subserved for XXXX. See attached. I received a fax and the information for the pay off amount through XX/XX/2019 was {$57000.00}. 
XXXX with bill pay my mortgage payment comes out automatically each month. I've never had a check returned. XXXX makes sure I have the funds when they send the automatic check. I had extra money I wanted to apply so I requested a XXXX bill pay send a check to Nationstar Mortage as normally sent and the check was sent on XX/XX/2019. See attached. It was for {$49000.00}. 
Wednesday, XX/XX/XXXX, I received a voice mail from XXXX asking me to call them at XXXX. When I was off work I called and was told the check for {$49000.00} was returned because the pay off was less than the fax sent me which stated {$57000.00} pay off. I was told the pay off was just over {$50000.00} so they returned the check. 
I became angry because it appears to be that someone didn't do their job. I was called once with a voice mail and called back and told the check had already been returned. When speaking to the employees, the last being XXXX at executive resolution team this XXXX  XX/XX/XXXX, they used statements like " from our perspective '' and " we thought ''. I kept asking where it was written than I could not send a check for this amount. 
Please, see attachments to understand my confusion and anger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Please update my credit report and promptly remove the public record that is currently present. I have attached the necessary supporting documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: TRANSWORLD SYSTEMS INC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) turned over my account to Transworld Systems , Inc. ( TSI ) for collection in XX/XX/2019 for {$1000.00}. I have since made 6 payments for a total of {$300.00} that should bring my balance to {$690.00}. However, yesterday, XX/XX/2019, I discovered that TSI has my balance at {$770.00}. 
Please note that in the attached files you will see a balance {$1000.00} with TSI. Due  to overlapping communication from both parties, I believed I had miscalculated my debt and that the initial bill from TSI of {$1000.00} was my remaining balance from XXXX XXXX. I have since discovered the additional {$34.00} is " interest '' added by TSI. Nowhere in any communication from TSI is an interest rate outlined, an APR specified, or fees mentioned. Additionally, my online login with TSI makes no mention of interest or fees. There is simply a discrepancy between my payment history amount and the remaining balance shown by TSI.

When I called TSI yesterday, I was told they could, in fact, charge me interest with no further explanation. When I called XXXX  XXXX, they were unaware of any interest charges from either party. Additionally, the balance shown them by TSI matched my payment history/records to total {$690.00}. After someone from XXXX XXXXXXXX contacted TSI, they were informed that if I pay XXXX XXXX directly the account would be closed once I have paid {$1000.00} total. However, if I make payments to directly to TSI the account would remain open until the initial {$1000.00} balance plus interest, at an unspecified rate, is paid in full. 
After doing some review of the Fair Debt Collection Practices Act found at https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text Im concerned there are some violations. Specifically, the following : 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
*Approx XX/XX/XXXX : we changed from XXXX XXXX to XXXX XXXX, on advice of XXXX . I  currently have a XXXX XXXX Acct. 
XXXX : XXXX demanded payment of {$610.00} for services on consumer acct., which they switched to a bus. acct. Since acct was closed, I could not access that acct online. I spoke w/ numerous XXXX reps and each time they referred me back and forth to diff't depts. No one @ XXXX was able to help, including managers. Several hrs on phone. 
*Approx XX/XX/XXXX : started getting harassing call from XXXX XXXX XXXX. I explained situation, but they said they could only collect or my credit would suffer. 
*XX/XX/XXXX : I filed complaint with FTC ( XXXX # XXXX ) and sent detailed letter w/ copy to XXXX and XXXX. XXXX never called again. 
*XX/XX/XXXX : Rec 'd collection notice from new agency : Sequium Asset Solutions , LLC , XXXX XXXX XXXX, # XXXX, XXXX GA XXXX XXXX ( XXXX ) XXXX. I called FTC and was advised to file complaint w/ CFPG. 
XX/XX/XXXX : I will send a copy of this complaint to all parties involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2019-10-24
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019, I received a request from Flagstar Bank requesting proof of flood insurance. I provided proof of flood insurance in the the following two ways : + On XX/XX/2019, my insurance agent XXXX XXXX from XXXX XXXX faxed a copy of the proof of flood insurance for my condominiums homeowners association to the fax number provided on the notice. 
+ On XX/XX/2019, I uploaded the same proof of insurance document to the website and received the enclosed confirmation. 

On XX/XX/2019, I received a Second and final notice to provide flood insurance saying that I did not respond to the initial notice. I was surprised to receive this second notice because I provided proof of flood insurance twice on the dates above. 

On XX/XX/2019, I called the customer service number provided on the notice and spoke with XXXX who confirmed that she definitely saw proof of flood insurance on my loan. XXXX verbally confirmed and mentioned that she noted in the loan notes that Flagstar Bank has my proof of flood insurance from XXXX XXXX. She mentioned she would investigate why I got the notice and told me to call back on Tuesday, XX/XX/XXXX. 

Im hesitant to spend any more time on the matter since Ive provided proof of insurance. Im especially concerned because XXXX was not able to send me any email or written confirmation that she had the proof of insurance. In my experience with Flagstar Bank insurance requests in the past, I have called multiple times with proof and the customer service agents tell me that the received proof, but Ill need to call back. When I do, they tell me that they never received the proof and it will take several days to research the matter again. Last year, I spent more than 15 hours trying to get confirmation that Flagstar Bank had received proof of my homeowners insurance. 

I would hate to think that Flagstar Bank is purposefully and intentionally stating that they did not receive the proof of insurance in order to purchase the flood insurance on my behalf and add the purchase to my loan amount. However, after my experience last year and with this second notice, Im inclined to believe that Flagstar Bank has received my proof of insurance, but is intentionally stating that they did not in order to profit from this insurance requirement. 

It's my hope that the error can be remedied quickly. I've also sent Flagstar Bank this same information.

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 2019-10-24
Company: PACIFIC WESTERN BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I requested a loan fro Pacific Western Bank for the purpose of getting a loan. 
XXXX XXXX the underwriter asked me to send her a list of documents. 
I submitted the documents and didn't hear back from XXXX for over a month. I sent emails for an update and I called a few times to confirm she got everything she needed and to see why she never responded back if she needs anything else for the loan or if we can move forward. 
When I was finally able to get a hold of her over the phone. She said to me " You people can't be trusted, you look for another Bank to do this loan for you ''. 
This sounded to me as a XXXX comment. denial without even reviewing my file!? 
I requested to speak with XXXX 's manager which she ignored me again and refused to provide me with his contact information. 
I was able to get her manager contact information from a different rep at the bank. 
I spoke with XXXX XXXX XXXX and told him what happened, he said he will investigate and call me back. 
I got an email a few days later which give me a whole new excuse of why they did not move forward with the loan. claimed that my construction company has a lawsuit against it, therefore they will not take the loan. I explained XXXX that we are doing many project a year and as the nature of every busy business, we will have some complaints. However, we are taking care of all complaints and this has nothing to do with the loan since I am being the guarantor. 
At this point XXXX was defending his co worker and he just kept attacking me. 
XXXX XXXX, XXXX is the company I applied the loan for. 
XXXX XXXX, XXXX is one of my construction corporation which has a bank account with pacific western. Before the bank opened the account, they investigated the company to make sure it is in a good standing and their will be no issue to open the account. 
If Pacific bank felt that there is something wrong with the business standing, they wouldn't have opened an account for my business. They even asked for references before they agreed to open an account for XXXX XXXX. 

I can provide proof of emails in case you need it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
CAPITAL ONE XXXX XXXX XXXX : {$0.00} This account was involved in litigation and does not belong to me. I never established this account. This account was a result of fraud. I was contacted by a collection agency regarding the account that obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent XXXX XXXX sent me a notice dated XX/XX/XXXX saying I owed {$290.00} for a XXXX account. It is a falsified debt. I have not had XXXX since XX/XX/XXXX. Attached see the text alert I received. I knew it was inaccurate because I did n't have a XXXX Card and had reported ID Theft to FTC on XX/XX/XXXX along with XXXX law enforcement report & number. I then called XXXX and placed Initial Fraud Alert for all credit bureaus. After sixty-two ( 62 ) days, I made placed a freeze on my credit reports. On one occasion, there was a breach in a credit bureau and some falsified debts did get through and placed on my credit history. Both are XXXX XXXX XXXX in origin. There are substantiating documents denying the debts. 

I have contacted Convergent twice to try to explain. I call from a financial institution. I am an identity theft victim and I do n't intend to give them any information. They will not listen or assist me because I will not give them my telephone number or email address. This concept is ridiculous as I do not need any more harassment. as a victim. 

See the documents attached and contact the company, please. Yes, I know it 's been a long time ; however, I do n't have a computer or smartphone. The closest library is 38 miles away and we live in a rural area without public transportation. Thank you so much for all your organisation has done for me for almost two years over the phone. received from XXXX XXXX ( with whom I have not an account with since before XX/XX/XXXX ). 

Also attached are correspondences, only two ( 2 ), as there have been numerous over the past twenty ( 20 ) months along with telephone calls with XXXX XXXX. This XXXX XXXX XXXX is very adamant that it is known the card was not initiated by me, no charges made by me and I had nothing to do with anything associated with their card services.

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 2023-06-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-24
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When submitting payments by mail to the Mr. Cooper, formally known as Nationstar Loan Servicer, I date all of the mortgage payments on the day that they are due ( First of the month ). These posted-dated checks are being cashed before the date. In order to comply with the loan servicers ' rules on late payments, all of my checks are sent at least a week prior to the due date to allow a reasonable time for shipping. On XX/XX/XXXX, I reached out to Mr. Cooper asking that they not cash my checks before the indicated date, however they would not accommodate my request. I am fearful that if I turn in my payments on the first of each month I will inquire late penalties that I feel would be unreasonably assessed. How can they be allowed to cash checks well before the indicated date?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Ocwen Financial Corporation
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've own my single family home for over 8 Years. in the last couple of years i have has financial crisis but have been paying my mortgage. i had a conversation with the Mortgage company about 1 month ago in regards to mail they sent me stating that i been late on my mortgage. The representative told me that my account showed no Mortgage payment being made. I went to my Bank XXXX XXXX XXXX and asked for a print out of all my mortgage payments and boom there they were. I need my account with PHH to go under investigation. Im in a serious XXXX and this company are going to be the cause of my death. I just received a notice to foreclose my home. i need your help. please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditor Information {$4400.00} XXXX XXXX XXXX XXXX. XXXX, XXXX ( 1 yr, 11 mos ) Original Creditor Name XXXX XXXX XXXX XXXX  XXXX {$640.00} Opened XXXX XXXX, XXXX ( 4 mos ) Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXl ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX I have reached out consecutively to ALL creditors in reference to this matter they are very unprofessional unconcerned & unresponsive u have various charges that where unauthorized & some presume to be me & are bogus & artificial claims some have been closed reopened as well can someone please respond in a timely manner & ASAP

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX and 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 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 2019-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2023-02-15
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Wells Fargo does not know my name. I have continually supplied to your banks my correct last name? You have been supplied my marriage certicicate numerous times Why is it a continuing problem. Please explain?

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