BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Mr. Cooper Group Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent NationStar mortgage llc ( Debt Collector ) a notice of validation of debt in accordance with the FDCPA. I did not receive the proper information to satisfy my legal request concerning a XXXX dollar debt I allegedly owe. XXXX XXXX has notified me that NATIONSTAR MORTGAGE LLC/D.B.A Mr. Cooper is a debt collector and is servicing my loan. I would like Nationstar llc/Mr cooper to provide me sufficient evidence or information concerning the validity of this loan/ alleged debt in accordance with FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX XXXX-Charge-off, BK OF AMER XXXX Date Opened : XX/XX/XXXX  Balance : {$14000.00}

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 2021-09-23
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:
In XXXX I contacted XXXX to help enroll me into the Financial Relief Program. Originally I was approved and they were going to set me up on a 12 month plan for reduced payments and I agreed. They said my account would be updated and I would see the lowered payment and begin in XXXX. That never happened and my account went past due. I called about 15 times over the last month and I either was hung up on or the call mysteriously was dropped. I never received a call back and when I escalated the situation I finally got someone who let me know their was a technical issue on XXXX 's side. I had them agree on a recorded line they would not submit me to a credit agency or negatively affect my account while the issue is being resolved. They agreed on a recorded line and made notes according to the agent. Today XX/XX/21 I recieved notification from my credit reporting tool that negative info was placed by XXXX. I always let XXXX know I needed temproray help and this reduced payment could and would be made if they allowed. They never did. I also let them know after I lost my job, I had retained employement and would be able to get back to paying the card as before and cleaing the balance monthly as required by terms and agreement. XXXX has created this issue and provided no support and then submitted the past due that was created by their issue after agreeing on a recorded line they would not. I am now employed and will pay the card off but need XXXX to remove the info as agreed.

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 2023-04-12
Company: Resurgent Capital Services L.P.
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:
LVNV and XXXX are reporting very different things on my credit report about account XXXX. I have tried in the past to have this corrected and all I get is invoices in the mail from accounts from an address I never lived at. 
I want this account removed from my credit report for inaccurate information, inconsistent information, and unverified information. As you can see, everyone is reporting something different about the same account. All have different open dates, the balance is different on all of them, the report dates are different on all of them, the active dates are different on all of them, and they all show different payment history. How can everyone be reporting something different about the same verified account? They can all be wrong, but they can't all be right!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax was hacked and my EPI may now be in the public domain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/05 Balance : {$0.00}

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 2017-09-09
Company: EQUIFAX, INC.
State: LA
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:
My personal information was leaked by Equifax through a hack. After checking on their provided website to see if I was affected, it showed that my information had been compromised. I understand they are also a victim in this hack, but nevertheless, their responsibility is still large.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to Equifax, XXXX XXXX customers had information such as name, social security number, birthdates, addresses, driver 's licenses, and credit card numbers stolen from theor database. Also according to Equifax, I am risk for having had my information taken. Equifax 's gross negligence in handling this sensitive information is appalling. Furthermore, recent reports have surfaced citing a mass selling of stock by Equifax employees prior to public acknowledgement of hacking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: WELLS FARGO & COMPANY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/05 Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The law firms are representing Bank of America in a foreclosure and filed a Notice of Hearing on Foreclosure of Deed of Trust on XXXX XXXX, XXXX, and the law firms used Fraudulent documents that were sent to them by Bank of America. The law firms have been notified of the fraudulent documents but have done nothing to stop this fraudulent foreclosure. The new Foreclosure XXXX date is XXXX XXXX, XXXX, but the foreclosure sale has not been canceled and dismissed due to the filing of the Foreclosure with fraudulent documents. The Note filed is fraudulent in several ways but the main reason it is a fraud is that it is not the Note that I signed at the Closing which was XXXX XXXX, XXXX. The Note is already fraudulent because the lender listed on the note is XXXX XXXX XXXX Lender and they are a fictitious lender that was used by Countrywide XXXX Loans to originate mortgage loans in XXXX and the above-noted lender was not licensed in the State of North Carolina or any state in the United States because it was a fictitious lender and not Legal to originate or fund mortgage loans in the first place.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXXBalance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting Act, these creditors Exquifax, XXXX, and XXXX are violating my rights under 15 usc 1681 section 602 which states I have a right to privacy and 15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not report furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an Open end consumer credit/revolving plan as LATE for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax acting in a negligent manner in safekeeping my and numerous other personal information and should make reparations to all individuals affecting by this grievous inaction to safeguard the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Foris DAX, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened an account with Crypto.com and started investing in cryptocurrency. For the first two weeks I was able to purchase and convert crypto with no issues. About two days ago I received a message that said that I made a withdrawal from my account but I never made a transaction to withdrawal any cash as my goal is to invest in the long term. The transaction was made around XXXX XXXX  which raised red flags. The next day I sent an email to Crypto.com explaining the issue and a representative sent an email explaining that they take fraud very seriously. I received another email requesting for me to send a selfie and a piece of paper with the date, my full name and Crypto.com written on the piece of paper which I emailed XX/XX/XXXX. No one has gotten back to me to help me with the situation. I went back into the app to log in and none of my crypto assets were showing on the app. What I was able to see was only the amount I had in the account. I kept on trying but it wasnt working. I started to get a little suspicious and I believe my account is locked as I can not buy crypto or convert my crypto in my account. I have no access to my funds. Ive sent countless of emails and I keep getting an automated response from Crypto.com customer service. The amount in my account is {$1100.00} and the email associated with my account is XXXX. What I want is access to my funds. 

Thank you

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 2021-07-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is my 3rd time submitted my dispute complaint and no one is doing anything nor am I getting any responses back from any of the credit bureaus. 


XXXX- UNVERIFIED ACCOUNT XXXX XXXX  XXXXUNVERIFIED ACCOUNT XXXXUNVERFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX XXXXUNVERIFIED ACCOUNT XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXXUNVERIFIED ACCOUNT XXXX  XXXXUNVERIFIED ACCOUNT XXXX XXXX -UNVERIFIED ACCOUNT XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT Public Records-XXXX  NOT MY BANKRUPTCY I want these items deleted immediately. 

Thank You, 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 non-monetary relief
Consumer complaint received 2020-07-31
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: Account information incorrect

Complaint:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2022-09-04
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:
I discovered today that there were multiple fraudulent hard inquiries on my credit reports. This is the second time this has happened, previously near the end of last year, someone successfully applied for a credit card in my name from XXXX  XXXX XXXX, and they also attempted to submit a forward address request with the USPS. I contacted both services and submitted complaint reports, XXXX  XXXX XXXX canceled the card ; however, USPS was not able to provide any useful information regarding the change of address request and was only able to cancel the request. So I do not know who where they were trying to forward the stolen card. 

TODAY, I discovered XXXX hard inquiries on my XXXX report from XXXX XXXX and XXXX XXXX XXXX, made on XX/XX/XXXX and XX/XX/XXXX respectively. These are also fraudulent, I attempted contact with the banks but they are closed on the weekend. I made contact with XXXX to verify the information and remove old information, I also placed a freeze on my credit with them. They said they can not dispute the hard inquiries from their side and I need to submit a report with the FTC, but I will be unable to report to local authorities due to not knowing the jurisdiction where they fraud attempt took place. 

On my XXXX report, I discovered another fraudulent hard inquiry from XXXX XXXX XXXX  made on XX/XX/XXXX. They were also closed over the weekend and I am unable to currently get in contact with them. I contacted XXXX, disputed the report and froze my credit with them. 

I attempted to access my Experian report, but I was unable to make an account. It appears the scammer made a fake account with Experian under my name, as they used an old email and I discovered an email in my inbox welcoming me to Experian. I am unable to make another account and I can not change the password of this fraud account because I do not know the answers to the fake security questions and having email access is not enough. My email is already on double verification, so no outside access has entered my email. I attempted to contact Experian, but they have nobody answering any lines over the weekend. 

I need a case number reference this incident and I also would like to list a complaint that Experian has zero weekend support while the other two Bureaus at least have customer service. 

My direct email is XXXX and my phone number is XXXX. The scammers are using an old address out of XXXX, when I was stationed in the XXXX, and any help handling this situation would be greatly appreciated.

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 2022-09-04
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/22, a PayPal payment was made from my bank account, for {$100.00}, to the XXXX  XXXX. 

I contacted the XXXX  XXXX, and they issued a {$60.00} refund the same day. 

The refund shows as pending in my PayPal account. PayPal will not release the money to me. They said they are still waiting for my bank to send the initial {$100.00} payment to them. The {$100.00} cleared my account on XXXX, so PayPal already received their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2022-12-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hi, I've already sent several letters to the creditors asking them to remove these late payments yet they have not abided by what I have requested. They also have violated my consumer law because they never gave me the option to opt-out out of reporting this information to a third party. 

According to 15 US Code 6802 b, which states that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information may be disclosed to such third party. 

Date of late payments : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of first charge-off payment : XX/XX/XXXX The account was closed in XX/XX/XXXX ; additional late payments were added after the account was closed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation