BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Park Hill Holdings
State: IA
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:
In accordance with the Fair Credit Reporting act. These companies, businesses, corporations, institutions, bureaus, agencies, organizations, and establishments have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Parties involved with this violation of my federally protected rights are : XXXX, XXXX, XXXX, XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, CoreLogic, XXXX, XXXX, and XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX 

According to the 15 U.S.C. 1681 602 ( a ) and 602 ( b ). It states I have the right to privacy, accuracy, relevancy, proper utilization, and fairness of credit reporting. The manner to which the parties involved stated above are practicing is a direct violation of these acts. 

The only personal information that must be reflected as accurate information with these parties are : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX : XX/XX/1993 Employer : XXXX Phone Number : XXXX All other variations, differences, and discrepancies, will be considered no less than inaccurate information and must be corrected, by deleting the inaccurate information, and replacing it with the correct personal information 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 2021-05-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I filed a complaint against HSBC on XX/XX/2021 for non-receipt of redeemed points. They responded in letter form with false information. I sent an email to HSBC on XX/XX/2021 informing them of their false information and never received a response. My email response is attached to this complaint. Therefore, I'm filing a new complaint for their fraudulent actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: HW Holding, Inc
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hunter Warfield has caused me much anguish by reporting an invalid debt to the credit bureaus. Hunter Warfield occasionally removes and then re-inserts this invalid debt in order to illegally re-age this erroneous account. Hunter Warfield is reporting this item as an OPEN account. I never received notice of this debt from Hunter Warfield. I applied for a home loan and was denied due to this criminal act by Hunter Warfield. Hunter Warfield is claiming that I owe them {$3100.00} on a debt with an account number of XXXX. I have disputed this account with the credit bureaus and XXXXunter Warfield. My first debt validation letter was sent to Hunter Warfield on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, I received a response back from a XXXX XXXX advising me that a contract with my signature stating that I owe them the debt was enclosed in the envelope. It was not enclosed in the envelope. This was just another XXXX of their deceptive tactics. They did not enclose a contract with my signature on it because it does not exist. I then sent Hunter Warfield a second request on XXXX/XXXX/XXXX Tracking number : XXXX XXXX XXXX XXXX XXXX, requesting that they provide me with proof that this debt belongs to me, but I never received a response back from the company and they failed to notify the credit bureaus that I was disputing this frivolous account. After several failed attempts with disputing this account with Hunter Warfield, I decided to dispute the account once again with the credit bureaus. I sent a certified letter to the credit bureaus requesting that they re-investigate this erroneous account and that they provide me with proof that this account belongs to me. I then received notification that my dispute was updated by the credit bureaus but the account for Hunter Warfield is still being listed on my credit file. This is a direct violation of FDCPA, FCRA and OCPA. This wrongful reporting has not only negatively impacted my life ; it has also had a negative effect on my family as well. I request the immediate removal of this account from all credit reporting agencies whom has been notified.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Per my previous 2 complaints, Mr cooper has been harassing me via phone and text for months. I just receive another automated text, even though I was told they would ensure I would not receive any more automated contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX issued a credit for 2 airline tickets to XXXX in XXXX of XXXX. The trip was to occur between XXXX XXXX of XXXX and was cancelled. Instead of receiving my money back XXXX issued a credit. XXXX will not honor my credit because the airline XXXX went bankrupt. Wells Fargo asked me to dispute with XXXX and XXXX is saying to dispute with my bank. No one is giving me my money back. Wells Fargo should approve my dispute and make an exception on this case as Covid was the reason for cancellation and was beyond my control, I never received the goods or services for the flights and Wells Fargo should be responsible for giving me my money back and dispute the transaction with 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 2022-10-11
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XXXX 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 2022-08-07
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: Personal information incorrect

Complaint:
I have reviewed a recent credit report and have seen major errors in the information that is being furnished. Please be aware that I have only ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Again, the following addresses are not valid and have not been my place of residence and I need your assistance in making sure that these errors are rectified : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX Please respond within XXXX days with confirmation that this has been completed. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: REGIONS FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a checking account with Regions Bank, my roommate has account with Regions Bank. 
I receive my roommate check on the 3rd of each month for rent. They have one Region Bank in XXXX, so it is very busy. So i asked Regions Bank if they have online deposited. 
Well i went online to deposited the check into my account so i can pay the rent, it comes up 10 % fee to get the money immediately. That would cost me {$100.00} when we both use Regions Bank. Groceries have gone up, Medication gone up and gas as gone up. i been with this bank for many years, i cant understand why they are doing this with Covid 19 when so many people are struggling.

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 2022-09-14
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid rent in full {$490.00} to XXXX XXXX XXXX, XXXX XXXX, TX on XXXX XXXX. However, they still referred to IQ Data international. I told IQ that I had already paid in full, but they still called me constantly. Then they even reported to it XXXX. So, My credit score decreased. Now, I have claimed to dispute, but XXXX did not settle down this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information was part of a data breach as well as I have had my identity stolen.

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 2021-08-10
Company: EQUIFAX, 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:
I just noticed that there have been several inquires that have been added but someone that have stolen my information. THIS IS FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: NATIONSTAR MORTGAGE LLC
State: UT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I represent XXXX. 
We have a buyer for a property. 
The sellers have a First and a Second Trust Deed. 
The First loan is in Default and scheduled to sell on the XXXX of XXXX. 
The second loan is missing. We ca n't find it. The Sellers said they have n't made payments on it for years. However, it still shows up in the recorders office and XXXX as active. 
It was assigned in XXXX of 2016 to Costal Financial. 
XXXX has it with XXXX. 
What now? 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I had this credit card for two, I used it couple times for my own person use, after that I was paying it on time. The I started noticing charges on my account that wasnt fine, I called discover and tried fixing it and they failed to do so, I disputed it multiple times with them and my claim always get denied. They closed my account saying that it was fraudulent charges on there. This has hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MO
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:
Reccently, I did an investigation on credit report which caused me to develop XXXX and XXXX upon finding out that unverified, invalided, and inaccurate information is on my report. I want my report to 100 % right. 

In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us Dept of EducationXXXX 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 Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: EQUIFAX, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, 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.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX. XXXX XXXX auto fin # XXXX XXXX. XXXX XXXX XXXX XXXX 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 an 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 moreover 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 response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from Commonwealth Financial Systems regarding a debt they purchased from XXXX XXXX XXXX, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3  years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that Commonwealth put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
It started with a login issue and my inability to reset my password on the Nationstar Mortgage website since I did n't know the answer to a security question I did not setup. After a few long phone calls, I finally got access to my account after getting my password reset. When I logged in I was seeing someone else 's information. When I called Nationstar Mortgage back, they did n't seem alarmed at all. I had them reset my password again to prevent anyone else from getting into it. The concern I have is after they updated their systems if I can see someone else 's information, and right now I can still see it, how many other instances of this is occurring. Using the information after I logged in I obtained the email address of the person who 's mortgage I was able to see. I emailed him to let him know Nationstar had mixed up our accounts and I was able to see his account. I even sent him his account number as proof. It turns out we have the same name and very similar login IDs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back in XXXX of 2019 you helped me with a problem I was having with American Express and a fraudulent use of my credit card. That case # is XXXX. American Express cancelled my credit cards even after I notified them that the charges were fraudulent. They responded shortly after you contacted them on my behalf and in letter dated XX/XX/XXXX stating that they would investigate the fraud and report back to me. I received another letter on XX/XX/XXXX stating that they would send me my communications by mail to my address - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX. To date, I have not heard from them. I suspect that they fully know that they wrongfully terminated my accounts and are reluctant to admit such. Any further help you can provide to help me repair my credit standing would be greatly appreciated. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint again XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2016-10-24
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I reside in a XXXX family house that we have owned since XX/XX/XXXX. In XX/XX/XXXX, our former bank, XXXX XXXX XXXX, sold our house without our consent or acknowledgement to our current bank. During that time, our mortgage had tripled which left us unable to keep up with the payments. Our current mortgage was willing to work with us by advising us to apply for a modification. We did and had gotten approved. From XXXX XXXX to XXXX XXXX we have religiously paid our new mortgage payment on time. Never once late. As of XXXX XXXX, XXXX, our mortgage will raise from {$2600.00} to {$4800.00}. With our rental income of {$2900.00} and our Social Security of {$23000.00}, we can not afford to pay the new mortgage. Both my husband and I are XXXX. We would have a reaming balance of {$480.00}. Our water bill alone is {$500.00}. We are held legally responsible to provide water, public lighting, and maintenances to our tenants. We need help. I want to get out of the ARMS once and for all and have a fixed mortgage rate. I thank you for all your help. I truly appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a letter to equifax and they told ne that there was nothing on my credit for them to take off but I have a lot of inquiries as well as derogatory marks. this is crazy because my score is low and im trying to fix it but can't because they are saying there is nothing there.. I also have the letter to prove it if I need to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Southwest Credit Systems, L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute a charge of {$1800.00} from SOUTHWEST CREDIT SYS on my credit report on date of XX/XX/2019. The charge is in error because this account was opened fraudulently with my personal information without my consent. 

I contacted the company immediately upon seeing this balance showing up collections. This company refuses to try and resolve my issue, even though I provided documents to them as proof, as well as wrote them a letter. This issue affecting me financially on a financial burden.

Company response to consumer: Closed with explanation