BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-29
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 am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent unauthorized items. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these items. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are inquiries I wish to dispute on my credit report : XXXX XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XXXX XXXX  XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21, XXXX XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XX/XX/21, XXXX XX/XX/21 XXXX XXXX XXXX XXXX XX/XX/21, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 2022-08-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
They have no idea what they are doing. See attached breakdown for why they say my credit is XXXX. Every time something positive happens my score either does down or stays the same. 
I want an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: WELLS FARGO & COMPANY
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:
I recently received a copy of my XXXX XXXX report this report was full of so many errors and bank accounts from Wells Fargo that I have absolutely no knowledge of. I filed a complaint with XXXX XXXX whom stated to me that Wells Fargo was the data furnisher of this information falsely reporting on my XXXX XXXX report. I was a victim of identity theft and filed a complaint with the Federal Trade Commission and sent in all notarized documents to XXXX XXXX which were forwarded to Wells Fargo Bank. I requested that XXXX XXXX XXXX remove these false reporting accounts off of my XXXX XXXX report and these accounts are still reporting and reportedly came back verified by Wells Fargo. I've contacted the lawyer 's office handling the Wells Fargo class action lawsuit regarding identity theft victims which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My supporting documents backing my complaint were submitted to the law firm as well. Wells Fargo has listed these following accounts and account numbers in my name. Routing number:XXXX Account numbers : XXXX, XXXX, XXXX, and XXXX. I received two separate letters XX/XX/XXXX from Wells Fargo out of the office of identity theft operations XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. From XXXX XXXX Department Manager.  Notifying me that I was a victim of identity theft. I've called them several times to resolve this with no answer back. My XXXX XXXX consumer ID number is XXXX. These accounts need to be removed from my early warnings report or I will take further legal action to resolve this if I am not assisted in this matter

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 2018-07-29
Company: PMAB,LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PMAB , LLC has submitted false information on my credit report since XX/XX/XXXX. They claim that I owe them {$3200.00}. I'm not, nor do I know the individual whose name is on that bill. I mailed them a certified letter requesting validation of the debt. They received the letter on XX/XX/XXXX but I have not heard anything back from they regarding this issue. They are in violation of my rights as a consumer under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Convergent Resources, Inc.
State: KY
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:
There was a XXXX account that I had no knowledge of that was put into collection in XX/XX/XXXX on my credit report. When the original account was opened I wasn't even of age to being building personal credit. In XX/XX/XXXXI contacted the company to do a pay for deletion and to have these items removed from my credit report. Once the amount was payed in full the collection was only deleted from my XXXX  credit report and not my XXXX. I've contacted the company and credit bureaus since the XXXX removal to get the XXXX  collection removed with no success.

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 2020-08-26
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today is XX/XX/2020 and I like a great many people in the United States am quaranteened at home due to Covid- 19. Unfortunately, the official medical narrative determines that I am a prime target of this deadly virus for multiple reasons. For these and other reasons I listen to our officials and take head of their warnings and concerns voluntarily for the protection of us all.

I have 30+ yrs of federal service and I have been devasted by this  pandemic financially, physically and emotionally as I have lost several loved ones already. I sent servicer Nationstar Mortgage LLC d/b/a Mr. Cooper not 1 but 2 requests for FORBEARANCES under the federal mandates of the " CARES ACT '' which was signed into law XX/XX/2020 Upon being notified by my own federal agency of their extreme delays in processing applications for benefits of up to 18 months, I requested the extended additional 180 day cares act forebearance. 
Nationstar Mortgage LLC d/b/a Mr. Cooper acting as servicer for Fannie Mae refused to even acknowledge the 1st written request sent months ago and only responded to the 2nd written request when it was sent through the CFPB complaint portal and the Courts.

In defiance of federal law, XXXX XXXX   directives, FHFA and the common good of this suffering nation Nationstar Mortgage LLC d/b/a Mr. Cooper finally sends a response that is not factual, unsupported by law ( CARES Act ) and contradicts the investors ( Fannie Mae 's guidance ) : 1. XXXX XXXX directs all Forbearance requests to be processed by the servicer ( accounts in Bankruptcy are reimbursed by XXXX XXXX for any notices the Servicers may be required to submit to the Court suspending payments for duration of forbearances. 
2. My written request has been sent to multiple ever changing counsels for Nationstar Mortgage LLC d/b/a Mr. Cooper and none have replied. There have been approx. 4 different firms in recent months. Another different lay firm is now claiming to represent this servicer in less than a month some law group out of the state of Florida. 
The acts of Nationstar Mortgage LLC d/b/a Mr. Cooper are deceptive, unfair and illegal. It would appear to any reasonable authority designed to escape compliance with federal law and the directives of the investors they claim to serve. There are a lot of uncertainties but being homeless with a minor child and a bad XXXX is not suppose to be one during this pandemic as we fight for our lives. 
Mr. Coopers representative stated the process of inputting a CARES ACT forbearance only takes 2 minutes why have I been going in circles with this valid written request for months and Nationstar Mortgage LLC d/b/a Mr. Cooper says that they have started the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have called Homepoint Financial about my credit report being reported as a debt for XXXX and XXXX when the government stated no credit reports will be affected by late payments of mortgage. They have not fixed the problem and my credit score is still showing the incorrect score and status. I also Forbearance my mortgage and they are sending delinquent notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by " Receivables Performance Management '' XXXX XXXX XXXX XXXX XXXX, WA XXXX I was told the had a debit for a previous account I had, they asked me if I wanted a settlement. I paid from my debit card on XX/XX/XXXX and the funds were taken from my account. It was removed from my credit report. More then a year later I received a piece of mail from XXXX XXXX try to collect on the same account. I immediately called them and told them about RPM and the settlement. They told me they would look into it in contact me. I got on the phone and contacted RPM and I was told they were going to have to pull the voice recordings from XX/XX/XXXX. I was to be contacted, I did not hear back I called back 25 times! Manager to manager excuse after excuse the files were stored in a separate location they had to submit to get the audio file. I ask my bank to revoke the transaction of settlement from them because it was obvious they had taken by money and they weren't consered with helping. Unfortunately it had been over 6 months, and the funds couldn't be pulled back. 

There was previously a reslease and RPM and XXXX amount on the closed account on my credit report. Today after I have spent a lot of time energy a money to XXXX out everything on my credit report XXXX XXXX is still Harassing me and trying to collect on something that's been paid for over 2 years! Now it's on my credit report and I'm freaking out. Despretly need addvise, please help me!

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 2021-03-03
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My Husband and I lived in these apartments back in XXXX and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.

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 2020-09-11
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:
I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus

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 2020-10-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I have Unauthorized accounts & inquires on my Credit report. According to the FCRA Any Unauthorized items on my report must be removed if not 100 % Accurate & Verifiable. Please Remove this From my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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: Account status incorrect

Complaint:
I have tried for the past 3-5 months to correct open ongoing issues. The main concern is my credit score. It was at XXXX on its way going up and due to false errors which XXXX  refuses to truly work on, my credit reduced. 

I want to take an adverse reaction, these credit reporter mess with your livelihood and expect later for the consumer to hire companies to fix their errors and clean up their mess. 

My score is questionable due to their errors.

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 2021-03-03
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
I have 5 credit card accounts that were notified last XXXX that I could no longer work due to the pandemic. Payments were suspended. When I started working they settled with me, in most cases, for less than the full amount. Now they are reporting me as no/late payments for XXXX, XXXX, XXXX, XXXX and XXXX. This has killed my credit score. I have disputed them twice and they refuse to correct the info.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried on a number of times in person and via phone to contact this company. Tonight at XXXXXXXX XXXX I receive a call from the XXXX from Rushmore saying that I am late in my payment. NO I am not late. The due date is XX/XX/2018 which has a grace period of 15 days. Thus I am not late. This is called harassment. The woman 's name was XXXX and her number was XXXX XXXX XXXX. She called me for no reason except to harass me. 

I am not late in my payment. I have also paid my taxes on the house which they told me they would incorporate but they lied. I met in person with a woman Rushmore. I sent her emails and I called her. She did not have the decency to call me back or acknowledge me. Rushmore is a corrupt company and they lie. 

I have asked for a reduction in my balance because it does not make sense that after 12 years of payments to various companies I still owe XXXX. Not only they have no right to call me when I am not even late in my payment but they should tell me that after paying my county taxes why my mortgage is still high more than 600 dollars every month. This company which is represented in the US is actually in the XXXX. Who knows who their so called investors are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: VW Credit
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX was my last payment for my XXXX  XXXX XXXX, ( as shown in the screenshot enclosed ) I did the payment by {$680.00} on XX/XX/XXXX, as of XX/XX/XXXX the balance is XXXX, however, still appears 1 payment remaining? Suddenly today, XX/XX/XXXX appear a balance of XXXX due on XX/XX/XXXX ... no explanation? When I call to XXXX financial service, told me that could be due to interest, but either they understand why! or can give me an explanation, I reviewed the contract where says what changes may take the form of a large or smaller final payment if that occurs, we will send you a notice telling you about these changes before the final scheduled payment due, but I didn't receive any note ... the amount of my final payment was of XXXX as can see in the screenshot.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-12
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:
XX/XX/XXXX Consumer Complaint Against A Business/Company | State of California - Department of Justice - Office of the Attorney General To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX 2., EQUIFAX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, XXXX. All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  XXXX All Banks Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 3. 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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: Public record information inaccurate

Complaint:
After multiple disputes of fraudulent bankruptcies with inaccurate information on reports. Experian says I need to contact XXXX XXXX and they are verifying the information as Accurate. After contacting XXXX  XXXX, they proved that Experian is not verifying such information with them because they have no bankruptcies to report or verify. Experian repeats false reportings of wrong information and its inaccurate and not verified. And stating it will remain on file for 10 years. Under what laws? They are faking verification an not verifying with the source which is against the law and violating my rights to fair reporting.

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 2020-11-27
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score fcra violations all above

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 2021-01-21
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX Federal Student loans should be deferred due to unemployment and COVI-19. XXXX continues to report inaccurate information. I have been ignored and my concerns have not been addressed. I asked for unemployed or no income-based repayment. Nothing has occurred

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