BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
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:
Once again I am opening a complaint against Equifax, since the XXXX closed my last one without a single thing being fixed. 
Equifax has been injecting errors into my reports and their responses for XXXX  months. 
Every time I have worked to correct those errors, they have made excessive soft pulls on my credit report, as a way to punish me for trying to fix their errors that they injected. 

My former complaint : COMPLAINT ID : XXXX was not resolved in any way whatsoever. They are sending letters to me by addressing me with the WRONG NAME on their address labels, and the WRONG NAME on their greeting. They have not fixed this whatsoever. I had also specifically requested that they not make any pulls on my credit score, and remove the excessive pulls they had made without fixing their errors. They ignored both. They pulled my credit again and they have not removed the excessive pulls they made before - meaning more than XXXX pulls on my credit in the last XXXX months, sometimes XXXX  TIMES PER DAY, often XXXX TIMES PER DAY, and/or at least once per day for consecutive days. 
I have photos to share of all these issues, if you provide a way to share them. 
I also attached photos to my XXXX complaint against them, but they ignored everything I was saying and just tried to close both complaints, which simply won't work. 
I will continue to escalate and confront this until it is fixed. 
XXXX needs to grasp that Equifax is injecting errors into consumers reports and not fixing them, but instead penalizing the consumer for confronting their mistakes by making excessive pulls on the consumer 's credit. Then they try to cross-sell the consumer to pay them money to get their credit report fixed " faster '' - which is tantamount to a business model based on holding someone's credit XXXX and demanding a ransom. 
It is not acceptable to me that I made a complaint with XXXX  and the entire thing wasn't remedied even slightly. These are not minor mistakes - my name is not a matter of opinion. It must be corrected. And Equifax should not be allowed to make excessive pulls on a consumer 's credit without fixing a single thing for XXXX months. It is both an issue of taking way more than XXXX days to fix something, and also not fixing the consumer 's issue all. 

PLEASE DO NOT CLOSE THIS COMPLAINT UNTIL I HAVE CONFIRMED IT IS ACTUALLY FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: NATIONSTAR MORTGAGE LLC
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Approximately two weeks ago I mailed a money order for XXXX, XXXX to Nationstar Mortgage to pay off my loan based on a payoff amount they quoted me over the phone. They have my money order according to a phone call to them today but have not credited my account with it. They said it was short by XXXX. I said you should credit the payment, tell me what I still owe and I will pay it. They said it would be credited today. As of XXXX tonite it still is not there on my account online. They are charging me additional monies everyday even though they have far more than what was owed currently. They have my money and are purposely not applying it to the loan and accruing interest and penalties on the account. I know this is illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am distressed that the creditors have included incorrect information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus should report only 100 % accurate credit 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 2022-08-07
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:
In accordance with the Fair Credit Reporting act XXXX Accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX,, have 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 2015-12-15
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job in XXXX 2015. From XX/XX/XXXX - XX/XX/XXXX, I received unemployment and continued to make my monthly mortgage payments. I applied for a mortgage modification ( unemployment forbearance ), on XX/XX/XXXX, when my unemployment payments were about to end. After 3 months of numerous requests for additional documentation, including requests for duplicates of documents already submitted, my application being sent to the underwriters at least 3 times, and numerous harassing phone calls, I was denied, without explanation of why I do not meet the requirements ( though I asked ). I am still unemployed, and now have no income. It seems to me that Nationstar is deliberately trying to await a default on my loan so that they can foreclose and take my home from me and my family. I am qualified for the Unemployment Program, and that could mean I would pay no payments for up to 12 months, which would greatly help me. My mortgage is paid up to date, yet I continue to receive harassing phone calls from Nationstar Mortgage, including calls with hang ups.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It is TRANSUNION 's duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 4 inaccurate late payments for the XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX, a 60 day late payment posted in XX/XX/XXXX, a 90 day late payment posted in XX/XX/XXXX and a 120 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2020-06-05
Company: GFS II, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from GFS II LLC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 I lost access to my account on XXXX.XXXX. 
I have over {$100000.00} in asset and cash and not able to access. Customer service is non-existent and I am not able to view. withdraw, or access my account what's so ever. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX XXXX, Account Number : XXXX has violated my rights. 

Account name : XXXX XXXX, Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ). They are still reporting a closed/charged off account from XXXX The first date of delinquency was on XX/XX/12. I was harassed and shamed by their recovery department. XXXX, a employee of the recovery department at XXXX XXXX XXXX  also lied about the FCRA and stated that they will not remove this account from my credit reports because the date is actually from the last payment made which is 100 % false. He wouldnt let me speak. He was incredibly rude. I have record of my payment history with XXXX XXXX XXXX which I obtained from a local branch in XXXX, Ohio which clearly shows that my first date of delinquency/late payment occurred on XX/XX/12. After years of mistreatment and harassment from XXXX XXXX XXXX, I only ask that they respect the FCRA and my rights as a U.S citizen. I am not asking for any favors but just that they do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My mortgage loan ( XXXX XXXX XXXX ) was resold to another company ( XXXX XXXX. My mortgage payment is taken out on the XXXX of the month from autopay, and I was charged a second time from an unauthorized payment on XX/XX/XXXX equal to my monthly mortgage payment. 

The customer service rep I spoke to on the phone, said this has happened to a lot of people and my refund is already in progress. Yet, further along the phone conversation, she mentioned she would 'begin ' the refund process, which indicates there was no refund in progress and was a statement intended to keep the peace. I recorded the conversation if it would be needed for record. 

XXXX XXXX was fined {$25.00} XXXX in XX/XX/XXXX for this exact scenario by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: GA
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:
I'm trying to report a dispute with the debt collections on my credit report, I don't recognize any of this and I have been sending letters for those verifying those accounts and they not responsive as consumer there a law can protect me for this bad practicing the Fair Credit Act 15 USC 1681a ( 2 ) I didn't give any permission to have those accounts furnished on 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 2020-09-16
Company: Bread Financial 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:
Frontgate and Comentity Capital Bank opened a credit account in my name with my personal information that I did not authorize. I was informed about this account seven months after the account was opened when being contacted about an account I did authorize with XXXX 'XXXX XXXX. Comenity Capital Bank refused to provide proof of debt and refused to delete the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Data-Central, LLC
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Data Central Collection Agency has refused to properly notate a debt which has been discharged in bankruptcy, even after being provided with proof of the bankruptcy discharge more than a year ago by XXXX. I 'm not sure where to report this, but they held several different medical debts in my name, and XXXX continues to haunt me. It should n't be like pulling teeth to get ALL of these accounts properly notated, and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have been receiving demand letters from Nationstar every month, for over a year. Same letter but amount we owe changes every month. We have asked Nationstar countless times to explain how & why they came up the amount they say we owe ... They say we are missing previous month 's payment yet we have sent in payments & they have been cashed & cleared every month. No one at customer service can give us a straight answer. They say research department will get back to us but we never ever get a call back. We feel we are being progressively harassed every month. 
Want to see our payment history, where our payments being applied to. If missing payment, tell us which month we will provide copies of clear check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 paid my account every month on time using the website but one month i got notice that they never received the payment 30 days after i paid it causing a late payment to be put on my credit report. I have tried to get the account showing as paid as agreed but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX/XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, gave me two  letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX  XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is 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 2019-10-26
Company: Revenue Cycle Associates, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My husband was prescribed XXXX XXXX XXXX XXXX XXXX in early XXXX which we purchased through his doctor. We were advised they may not be entirely covered under our insurance and they would let us know during his follow up visit in a month our remaining balance. 

During his follow up visit we were advised we owed {$40.00} total out of pocket and paid with a card at that time. Towards the end of summer XXXX we received a bill from the Doctors parent company   XXXX XXXX for {$240.00} and a threat to send us to collections for nonpayment. I called the Doctors office confused and was advised that this was a billing error on their end. Due to their delay in submitting the claim for the XXXX  it had crossed plan years for our healthcare provider and a change in coverage now meant they were no longer covered at all. Due to this being an error on their end they cancelled the balance and we no longer owed anything. 

Then in XX/XX/XXXX I received a collections notice from XXXX XXXX XXXX stating they had purchased our debt and we owed {$240.00}. I mailed them a hard copy of my email communications with XXXX XXXX which showed this was not a valid debt and included a cease and desist order stating it was illegal to sell the debt. This was mailed return receipt request and a signature confirmed they received it. 

The following month I received another letter stating their intentions to attempt collection. At this point I called and was unable to speak with a person. I finally left a voicemail stating their continued attempts to collect an invalid debt are illegal and that they must cease and desist. I never received any further communication. 

Then on XX/XX/XXXX I received a notice of intent to collect from Revenue Cycle Associates. This means that dispute written and attempted verbal communication, XXXX XXXX XXXX has illegally sold this debt. Im am currently in the process of advising Revenue Cycle Associates to cease and desist in writing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the following items below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on 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 non-monetary relief
Consumer complaint received 2018-07-26
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
harassing me at work and my co-workers even after we told him not to call here.

Company response to consumer: Closed with explanation