BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-20
Company: MRS BPO, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
About a month ago, I received a collections derogatory mark on my credit report, this that was from my mother that had used my name, and information that I did not authorize her to do, but she still did it. As a new credit owner, I do not want this on my report especially if its not a collection I owed this is by MRS BPO of a collection of {$800.00}. I have been working every day with XXXX and XXXX XXXX to the best of my abilities to get this removed but nothing is happening.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: Experian Information Solutions Inc.
State: IN
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 ask the company to show me proof that I open this account by sending me a copy of my signature associated with this account and they told me that they do not have my signature bearing on this account so I ask them to delete this off my credit report the name of the company is XXXX XXXX XXXX the amount was XXXX was charge off XX/XX/2015 the address is XXXX XXXX XXXX XXXX, XXXX XXXX sd.XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified these account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05
Company: Google Compare Credit Cards Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I was conversing with the head office of a national bank for the better half of 2 hours in the evening trying to solve an issue. 

The banker had to make a call, and I concurrently recieved a call from another source. 
We both had our respective conversations. 
The XXXX XXXX rep was looking to update my number in the system of her banking platform. She subsequently advised me of her actions. 
A few minutes past XXXX XXXX, I noticed an email emminating from Google indicating an update of my recovery phone in their database. 
So, I mentioned that the Google Account was being notifying me that an update phone number had been received. 

Only after I mentioned to her this receipt, was she then made to go into the banking institution 's platform and update my phone within the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
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:
My Mortgage was transferred in XX/XX/XXXX from XXXX XXXX XXXX to Carrignton Mortgage Services. I  have continually asked them when they will start reportiing to the major credit bureaus as this is affecting my credit score and they will not respond or give me a positive answer after many calls and follow up. The customer service at this company is no where near the level of XXXX XXXX XXXX and seriuosly needs help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Volks Wagen Credit repossessed my car without sending the notice to the correct address, and they claim to have called and left voice messages, but that is not true. The only Voicemail they left was that they were going to come and inspect the car before the lease expired.

After the lease expiration, they wrongfully kept taking payments for the lease via their phone system without informing us that the lease had expired and no payments could be made.

We are a decade-old customer of VW with four cars on lease with them historically and never ever missed payments.

They kept us waiting in long queues in customer service, and after several days, they said that we could buy the car with them only if we created a DD. No other payment method will be accepted, No wire transfer or Credit card payment.

Their systems are old, and they don't talk to each other, and that is why we are in this mess

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-12
Company: WELLS FARGO & COMPANY
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a letter to XXXX XXXX ( Wells Fargo ) on XX/XX/XXXX. I received a reply XX/XX/XXXX from XXXX XXXX. One of the key complaints in my original letter was " Account removed from review XX/XX/XXXX '' and a related paragraph labeled " Customer Service ''. I do not feel Ms XXXX addressed this satisfactorily since she did not deny their representative, XXXX XXXX, did not respond AT ALL to my questions on the loan modification contract which was the turning point in my ability to get a modification. I had made the trial payments on time and would have signed a modification if my questions could have been answered. I feel that Wells Fargo owes me a new modification. 

In addition, in an earlier letter dated XX/XX/XXXX, Ms XXXX referenced the inability to make anything but full payments during the modification process. Specifically, their system would not allow the payment I wanted to make in XX/XX/XXXX and more generally, she suggested full payments be made in the future to prevent any issues. I would like Wells Fargo to correct my credit reporting history of late payments during the modification process since I feel this was an issue with their system and not my lack of financial cooperation. This has REALLY destroyed my credit and my ability to refinance locally.

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 2015-11-12
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my mortgage with XXXX approximately XX/XX/XXXX, account # XXXX. There has always been a 15 day grace period with no extra charges incurred if paid within that time frame with this and every mortgage I 've ever had ( since XX/XX/XXXX ) including XXXX. On XX/XX/XXXX XXXX passed the servicing of this loan to Nationstar, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX account # XXXX. To date, they 've failed to pay my Property Tax on time, and now they 've informed me they will now be charging me a {$9.00} " Processing fee '' if I fail to pay by the XXXX of the month. I spoke with " XXXX '' from the account escalation team. She was adamant that this was not a " Late '' fee, but rather a " Processing fee ''? Curious. If that was so, this fee would always be charged regardless of the date so long as it was in the 15 day grace period, no? XXXX explained that most mortgage Servicers are banks, but Nationstar is not and thus uses XXXX XXXX for mortgage payments, thus they charge this 'fee '. This company, through it 's business model, is disguising this fee as a " Processing fee '' when the reality is it is a 'Penalty Fee ' or 'pre-late fee ' for not getting it to them a week earlier than the XXXX. This changes the conditions of my loan by accelerating the late payment date from the XXXX to the XXXX of the month. I do not agree with this action and it was clearly NOT part of the Loan agreement I entered into with XXXX. If this company wants to participate in the servicing of mortgages it must play by the same rules as everyone else or I should be able to op-out of XXXX 's transferring the servicing to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXXXXXX  XXXX XXXX****, XXXX XXXX XXXX  XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX****, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX**** and XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 2500****

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 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2015-11-05
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a XXXX mortgage, serviced by Nationstar. For the past year I have had the property listed with a realtor, to sell as a Short Sale which was approved by XXXX. My realtor has a prospective buyer but we are running into extreme difficulty. A valuation was placed on the property, by Nationstar I believe, that is high for what the property has to offer, and the condition that it is in. I have submitted pictures, repair quotes, and a CMA to document the high valuation, but Nationstar is telling us that they wo n't review it. XXXX has given Nationstar free reign to do what they want, so consequently they are not reviewing pertinent documents and informing XXXX. Nationstar is trying to force me into a foreclosure even though there is an offer on the table that is very reasonable, XXXX that brings 94 % of the CMA value to the investor. And if we factor in the repair quotes of nearly {$10000.00}, the current offer brings 98 % of the CMA value! We are finding it difficult to comprehend that the investor would turn down such an offer if they were fully aware of it, which they wo n't be if Nationstar does n't review the documentation we are submitting and shares it with them! 

My realtor has been going back and forth with Nationstar and XXXX trying to find someone to give a serious look at the documentation that I have pulled together to refute Nationstar 's valuation, but is getting nowhere. They feel that working through XXXX does n't get them to someone who will actually take a real look at the case. THERE IS A FORECLOSURE SALE SET FOR XXXX XXXX, 8 DAYS AWAY. Both my realtor and I continue to try make headway, but Nationstar refuses to bring this to the attention of someone who will take a serious look at the documentation that shows their valuation is high. And XXXX agents are n't getting either of us to someone who has the authority to get involved and take a serious look at the valuation. I do n't think they are aware that Nationstar is pushing this property to foreclosure when there is such a good offer on the table.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The three request letters that has been sent to the following organizations has resulted in little success. All letters have been mailed with copies of my ID and Social Security Card for verification. In my letters I've demanded XXXX XXXX to send me documents showing that the accounts on my credit report belongs to me and to verify the balance. I've also reached out to XXXX XXXX via email to fix the error. XXXX XXXX is violating Federal Law in regard to Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) of FCRA. I have sent these letters in disputes to Trans Union, XXXX, and XXXX  in the beginning of XXXX with the last letters being sent on XX/XX/XXXX. XXXX  has removed the account from my credit report while Trans Union and XXXX has sent me dispute result saying the account had been verified without correcting the error. However, I'm confused as for as how was XXXX XXXX about to verify with Trans Union and XXXX but wasn't able to verify the account with XXXX. Due to the information that I have and the fustating process I plan to seek litigation for relieve and monetary damages.

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 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-05-18
Company: EQUIFAX, INC.
State: NY
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 am a victim of identity theft. My personal information was compromised in several data breaches and my name has been sold over and over again on the dark web. I am pleading for help from the CFPB because I can not have any progress with Equifax in handling my dispute of 4 accounts that were opened by someone who stole my identity XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have sent in a police report as well as an FTC Identity Theft Report and yet Equifax continues to report those items on my credit report in clear violation of numerous FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There is a Credit inquiry reflected on my TransUnion credit report that is fraudulent. The inquiry is from XXXX XXXX dated XX/XX/2017. I am attaching a letter from XXXX XXXX that confirms this fact. I have trying to get this fixed for months but the bureaucracy seems to get in the way.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: NY
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:
Upon discovering numerous fraudulent accounts on my credit report, I immediately recognized that I had fallen victim to identity theft. I promptly contacted the local authorities and made every effort to have these fraudulent accounts removed from my credit report. Despite my persistent endeavors, all but one of the fraudulent accounts persist, inflicting considerable harm to my credit health. One such account is a credit card issued by XXXX, bearing the account number XXXX and carrying a balance of {$2100.00}.

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 explanation
Consumer complaint received 2019-01-22
Company: Experian Information Solutions 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:
The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : 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 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
After ive sent my FTC report, a 609 letter and my Affidavit of ID theft, ive contacted XXXX and Transunion and asked them to confirm if they have received those documents and they stated that they did received them .They are refusing to block or removed the fraudulent account as the Law says which is a violation in Section15USC1681C2 of FCRA. They said there is nothing they can do about blocking it or removing it from my credit report.

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 2023-06-16
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ON XXXX XXXX I got a letter in the mail from a company named TRansworld SYstems attempting to collect a debt that I do not owe. I have never had an account with said company XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation