BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My ex husband has used my SS number and has rang up a lot of inquiries that are NOT mine. I have had to call credit card companies and other places to get things I did not sign up for cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I told them, I was having problems paying my student loans, I'm currently on income based repayment and still Struggling, I owe over XXXX on student loans for an XXXX XXXX XXXX degree and XXXX still harassing me over XXXX dollars after, I had already graduated. My payments are over XXXX dollars a month, I am struggling.. This is with income based repayments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My medical debt was the result of a Work place injury, the collection agency even admitted they showed this as a XXXX case and had the information in their system. The creditor they were representing has been provided numerous times with the case information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Based on previous CFPB XXXX, Midwest Recovery systems stated to the CFPB that they would delete any entries and accounts pertaining to me as this is not my account and they were unable to verify in the legal time frame. Nor have I received any documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was put on a forbearance program by my mortgage lender at the time XXXX. When the forbearance period had come to and end I was told that I would be put into a trial period of three months before I would be reinstated. I was also mailed this statement in a form of a letter. I made those payments, then I was told I had to go through three more trail payments. I made those payments on time or before its due dates as well. In between the beginning of the process my loan was transferred to worst possible Mortgage servicing company in the industry Loan Care. At the end pf this " trial period '' which I had gone through two times now, I was then told I was denied reinstatement  because I was supposed to have signed some paper that was delivered to my house but was never actually signed upon delivery, but left outside rather according to the tracking number ( which I don't have, they can provide that ). I was never told about any documents to sign at the beginning of this process. I had already signed everything that was needed with XXXX. Also I was already violated when I was made to go through the trial period for a second time because Loan Care was not ready to fluently continue with the process of which XXXX had already started with 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 2022-02-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert from XXXX XX/XX/2022 that Bank of America had accessed my credit information. 

I wasn't sure what to think of this, but then today, XX/XX/2022, I received a letter from Bank of America stating that I had applied for the Bank of America Premium Rewards Visa Signature card. 

The letter stated that the application was still under review because additional information was needed from the co-applicant on the application. 

I did not apply for a credit card from Bank of America, so I called the phone number provided on the letter to speak to one of their " knowledgeable credit analysts ''. The number listed was XXXX with an address of XXXX XXXX XXXX, XXXX, TX XXXX. 

I was told that the application was marked as fraudulent and that I should call the credit bureaus to report this fraudulent application with my information. 

The interaction with the representatives I spoke with seemed questionable, as they kept trying to confirm my information, get further information out of me, and were hesitant to let me speak with their superiors. They would not tell me the name of the co-applicant. In fact, they stated that they had no record of a co-applicant.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-03-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX months after obtaining a mortgage from XXXX  XXXX, XXXX XXXXXXXX after attempting to make my monthly mortgage payment of {$1800.00} XXXX XXXXXXXX refused to accept my payment and stated that they were force placing insurance on the property which increased the mortgage to {$2.00}, XXXX because there was a discrepancy with the insurance company that the property was no longer covered with insurance, they did not allocate sufficient funds in escrow to cover insurance premium. From XXXX I spoke with XXXX XXXXXXXX on numerous occasions from the course of XXXX I paid {$14000.00} in increments to XXXX XXXXXXXX. In XXXX of XXXX I paid {$5000.00} to XXXX XXXXXXXX and as a result of the pandemic I would be able to defer my payments. The beginning of XXXX Mr. Cooper ( formerly known as Nationstar ) informed me via phone that they had taken over my loan from XXXX XXXXXXXX ( with no prior notice from XXXX XXXX ). Mr. Cooper ( fka Nationstar ) then proceeded to inform me that my loan was in forbearance and that I can continue once that period was over, they assured me that once the forbearance period was over that I would resume my payments. XX/XX/XXXX, I reached out to Mr. Cooper ( fka Nationstar ) to resume my mortgage payments at that time they informed my that they would not accept my mortgage payment and that I needed to pay {$18000.00} in arrearage at this time I retained an attorney. All the attorney did as take my retainer and did nothing. I have been in contact with Mr. Cooper ( fka Nationstar ) over 50 times over a period of two years, Mr. Cooper ( fka Nationstar ) obtained my loan without doing their due diligence and the transfer of my loan, I have bank statements reflecting my payments from XX/XX/XXXX - XX/XX/XXXX to XXXX XXXXl that were not reflected nor transferred to Mr. Cooper ( fka Nationstar ) I have sent documentation to Mr. Cooper, emails to their attorneys, the attorneys have yet to return my phone calls to date when I initiated contacted with them two months ago. My initial mortgage was {$220000.00} and as a result of Michigan Mutuals moral turpitude and misrepresentation and breach of trust I am now forced to contact the FTC that I have tried to come to a resolution with Mr. Cooper and they have violated as well. I have spoken to over 20 representatives at Mr. Cooper, five being in the Escalations Department. Mr. Cooper is now in violation of culpable negligence and breach of trust. I have been proactive in this situation and Mr. Cooper ( fka Nationstar ) has not acted in the best interest of the consumer. Mr. Cooper has issued a lispendens on my home that was currently in modification. At this point I have no other recourse but to contact the FTC, it is my hope that with the help with the FTC that this issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting 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 am writing this request that I have been a victim of identity theft and I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The inaccurate information continues to do harm to my credit. Please provide me with verifiable proof these accounts belong to me. 

Kindly eliminate the accompanying records as they are false and were opened without my assent or 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent inquiries 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 2023-09-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
After reviewing the credit reporting companies responses, I would like to file an additional complaint along with the first ones. The responses from 2 of the companies were that the matters are still being investigated. If I filed the disputes in 2022 and they are still being investigated then I'm pretty sure that put 's them in serious violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXXXXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation XXXX  XXXX XXXX XXXX Delete account for failure to perform an investigation per fcra regulation * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file.

also in accordance with the fair credit reporting act XXXX XXXXhe accounts listed above 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. 



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 explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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:
XXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX, XXXX {$5100.00} XX/XX/XXXX XXXX XXXX BANK XXXX {$760.00} XX/XX/XXXX XXXX XXXX XXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX {$1400.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2020-03-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On numerous occasions up to and including XX/XX/XXXX I have requested that the account be closed and the transactions not be paid. 

Unbeknownst to me, on or about XX/XX/XXXX and XX/XX/XXXX, over {$2500.00} was transferred from my personal account into the account that I repeatedly requested be closed. I will add that these accounts to and from which the funds were transferred were not linked, and the transfers were without my knowledge or consent, and therefore unauthorized. I am confident that a footprint of the account would substantiate my claims that these transfers were made by employees at the bank without my consent or knowledge. 

On XX/XX/XXXX, after no cooperation from the bank to honor my wishes, I was finally able to close my account. I have a recorded voicemail from my personal banker confirming such. 

Subsequent to the closing of my account, an employee and representative of Fifth Third XXXX XXXX, XXXX XXXX, instructed his assistant, XXXX, to reopen the account. I was made aware of this by another employee at the bank. How can an employee take it upon himself/herself to reopen an account when I instructed it be closed? Additionally, on XX/XX/XXXX, an inadvertent payroll deposit was allowed to be deposited to my closed account and the funds were kept and as of today have not been returned. 

When I reached out to XXXX he stated that well, mistakes were made but what was the damage? I can say with certainty that the damage is the {$2500.00} that they stole from me, as well as the additional {$620.00} in a payroll deposit also which was stolen and not returned. I have tried to resolve this with the bank directly by reaching out to the branch manager, XXXX, to no avail. Therefore, I ask that this please be addressed and this misconduct by the individuals employed by XXXX XXXX be looked into and see to it that my account be fully closed, and not reopened. Please also refund me the {$2500.00} in unauthorized transfers, as well as the {$620.00} deposit made on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Solomon and Solomon, P.C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2019 at XXXX I was physically served a Summons at my home address by a process server. The Summons was dated XX/XX/2019. The Summons states that since I was physically served that I have ten ( 10 ) days to answer the summons by filing and answer with the Plaintiff 's attorney and if there is no attorney for the Plaintiff present I am to file an answer at the Plaintiff 's address of XXXX XXXX XXXX, XXXX, NY XXXX. 
I have uploaded a copy of the Summons.

The Summons was for a Tuition debt that is owed to XXXX XXXX XXXX College. The debt amount is {$1300.00}. I have previously attempted to pay the debt in installments on the XXXX XXXX XXXX College website starting on XX/XX/2019. The XXXX XXXX XXXX College website would not allow me to make partial payments on the debt. The XXXX XXXX XXXX College website would ONLY allow me to pay the full amount of the debt, {$1300.00} and I have uploaded proof of this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance XXXX {$1200.00} XXXX XXXX XXXXXX/XX/XXXX ; Original Creditor : XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX Balance : {$4600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA 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 2018-01-24
Company: Experian Information Solutions 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:
They keep reporting and updating items that can not be verified, even when sent proof that they can not be verified

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