BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since XX/XX/1998 and needs to be removed from the credit report because it is a clear FCRA Violation.

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 2019-04-30
Company: Mr. Cooper Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am disputing Nationstar 's refusal to failure to credit my full payment to my mortgage loan account of {XXXX} XXXX as of the date of receipt of XX/XX/XXXX and refusal to apply an accepted payment of {$170000.00} required by my mortgage or apply the payment in the specified order of interest, principal, escrow, or other charges under the terms of the mortgage loan and applicable law, as seen in the attached account history dated XX/XX/XXXX, first noticed to Nationstar XX/XX/XXXX and then XX/XX/XXXX. 

Nationstar only reflects in lines 78, 95 and 96 it received {$160000.00} from me that reflects inaccurate claims by Nationstar to the CRA 's that I am paying under a partial payment agreement, made a partial payment or that I am currently 180+ days past due at XXXX as of XX/XX/XXXX. 

Nationstar has obtained a court order under the same note and mortgage for attorney 's fees, while refusing to comply with the same contracts material terms and is seeking to damage me for {$25000.00} not allowed under the contract while remaining in breach of the note and mortgage. 

As well, the above stated refusals to comply with the note in section 3a and the mortgage, Nationstar is utilizing the misleading inaccurate account information in my mortgage loan 's account history to report that as of XX/XX/XXXX, I became 180+ days past due after becoming current on my loan, paying my XX/XX/XXXX payment as current, and paying off the loan 's balance in full XX/XX/XXXX. 

XX/XX/XXXX, I emailed and faxed Nationstar 's Counsel a last dispute claiming these exact matters and am hoping this will resolve all currently ongoing breach of contract claims that are causing inaccurate credit reporting by Nationstar to the CRA 's repeatedly as I have documented from XX/XX/XXXX to current date. 

Nationstar 's Counsel failed to deliver any response to me regarding my credit reporting complaint on or after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: W&A Intermediate Co., LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
WAKEFIELD AND ASSOCIATES INC. CALLED ME ON XXXX ( MISSED CALL ) AND ON XXXX FROM THEIR PHONE NUMBER XXXX. WHEN I ANSWERED, THE CALLER ( AN ATDS ) HUNG UP ON ME. I CALLED THE NUMBER BACK. AND THEY TOLD ME THEIR BUSINESS NAME BUT REFUSED TO GIVE ME THEIR ADDRESS UNTIL THEY HAD MY COMPLETE NAME. THEY WERE CALLING FOR A XXXX AND MY NAME IS XXXX. I TOLD THEM THIS IS MY PHONE NUMBER AND I DO NOT KNOW A XXXX. BY DENYING ME THEIR ADDRESS, THIS IS AN UNJUST, DECEPTIVE, AND MISLEADING ACTION. I HAVE A RIGHT UNDER THE FDCPA TO KNOW THEIR ADDRESS, FILE A COMPLAINT WITH THE CFPB AND SEND THEM A DEBT DISPUTE LETTER. IF THEY LOOK CLOSELY AT THEIR NOTES, THEY WOULD SEE OTHER DEBT COLLECTORS HAVE TAKEN NOTES INDICATING THE PHONE NUMBER THEY HAVE ON THE ACCOUNT BELONGS TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
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: Investigation took more than 30 days

Complaint:
Hello, I am writing to file a formal dispute against several creditors who have violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Equal Credit Opportunity Act ( ECOA ). 

As per the details of my complaint, I have experienced severe financial hardships due to the unverified and inaccurate information that creditors have reported to consumer reporting agencies. The specific sections of the laws that may have been violated are as follows : Fair Credit Reporting Act ( FCRA ) Section 607 - Requirements for Consumer Reporting Agencies to Correct Inaccurate Information Section 610 - Conditions and Form of Disclosure to Consumers Section 611 - Procedure in Case of Disputed Accuracy Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 626 - Disclosures to FBI for Counterintelligence Purposes Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 - Disclosures to Consumers Section 613 - Timing of Dispute Investigations Section 614 - Consumer 's Right to Dispute Information Section 615 - Requirements for Reinvestigations Equal Credit Opportunity Act ( ECOA ) Section 703 - Prohibition Against Discrimination Section 704 - Regulations to Carry Out the Purposes of this Subchapter Furthermore, the creditors have listed several inaccurate and unverified addresses on my credit report, which is a direct violation of FCRA Section 607. Also my current address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX The creditors ' actions have severely impacted my life. I have been denied credit and loans due to the inaccurate information on my credit report, which has prevented me from purchasing a home or a vehicle. Additionally, it has caused me significant emotional distress, and I have been unable to sleep or concentrate on my work. 

Therefore, I am requesting that you enforce the legal provisions outlined above and ensure that the creditors remove all unverified accounts from my credit report. I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: NC
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 multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXXXXXX XXXX Balance : {$750.00}

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 2015-06-01
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, In the beginning of the year I negotiated with the help of the good people at CFPB. a lower private student loan payment. I was initially happy that was achieved through much hard work and resolve. However, new circumstances have arisen in my life XXXX rent raise XXXX and new medical bills. I just submitted another request to Navient to reduce my private loan payments even further or I will default. I am tired of doing everything right and being screwed out of my money either through the cost of living expense, escalating medical expenses and the low paying job that I am locked into because of various circumstance. Honestly, I do n't care if I default with Navient Private student loans. I am only paying them right now to keep my credit clean - I will never be able to pay off my debt. So i am notifying you that I am XXXX again going to fight to get my monthly loan reduced. You CFPB were helpful the XXXX time and I hope that you are helpful again. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRAsection 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXXBalance Owed : {$1200.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$2700.00} ; XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
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:
Back in XXXX or XXXX of XXXX I contacted Bank of America about a {$5000.00} credit card opened back in XX/XX/XXXX showing on my credit report. When speaking to the Bank of America representative I was told my social number wasnt found in their system. I was told to report that discrepancy to the Credit Bureau in that way if the credit bureau contacts Bank of America they would be able to verify I am not a client. I would like to have this account taken off my credit report as Ive already created a fraud alert because I am not the owner of the Bank Of America credit card account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage and associated escrow account with Cardinal Financial ( https : //cardinalfinancial.com/ ) when we refinanced our house in late XX/XX/XXXX. Cardinal Financial has failed to pay the property tax on the property associated with the mortgage account for the tax year XXXX. There is more than sufficient amount in the escrow account to cover the taxes amount. Inspite of repeated alerts by phone calls and email almost every month starting in XX/XX/XXXX, the tax has not been paid yet ( as of XX/XX/XXXX ) and is now delinquent, with interest ( and extra fees ) compounding. The tax was due on XX/XX/XXXX and now fines continue to incur starting XXXX. Cardinal Financial continues to assure every week for the past few months on phone calls that it will be paid in the next 2 days ... .so far nothing has happened. 
In addition to this I was sent an escrow refund check, when there was still dues to be paid and I am struck as to what needs to be done with the check. 
The customer service is worst I have ever encountered : It takes an hour to reach a representative and after repeated assurances that it is being taken care of, the call is put on hold for another half hour, the calls is transferred to a supervisor, who put the call on hold for another 30 mins at which point the call gets dropped. They might as well not have a customer service department at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive been disputing the inaccurate and Incomplete information for 10 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified. The order Agencies found the problem and deleted the accounts from my credit report. i need to know how trans union method of verification?

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 2023-04-11
Company: Experian Information Solutions Inc.
State: NC
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 have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. XXXX XXXX XXXX XXXX : Status Collection account. {$1900.00} past due as of XX/XX/2023 ( THIS IS NOT MY DEBT )

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 2023-06-20
Company: Experian Information Solutions Inc.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX Balance Owed : {$3700.00}.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. 
We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the Dispute Lettert they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$5400.00}

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 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
TransUnion, See attached screen shot - I am unable to retrieve my credit report. I want access to my credit report as per law allows. Give me access to my credit report. STOP BLOCKING MY ACCESS. I HAVE NOT REQUESTED YOU BLOCK ACCESS!

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 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.

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 2023-11-04
Company: EQUIFAX, INC.
State: PA
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:
I have made multiple attempts to get in contact with XXXX XXXX regarding a fraudulent collections account that is being reported to Equifax. Despite speaking with them on multiple occasions and sending letters via certified mail stating that this was not my account, I have not received any resolution. I was assured that they would conduct an investigation into the matter, but I have yet to be contacted with any updates since. This fraudulent account is severely impacting my credit profile, causing me financial hardship, stress, and XXXX It is also negatively affecting my creditworthiness, and I am eager to have this issue resolved so that I can have an accurate and fair credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
( DISPUTE XXXX ) My personal information was stolen in XXXX, since that day I've been seeing a lot of unauthorized inquiries and accounts, I've attached a police report pertaining to the incident. In accordance with the fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate Accounts and addresses i have listed the following included : 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

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 2017-07-09
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX agreed to remove me from their database and not to wait 5 years, if my banks Santander, N.A. and XXXX XXXX intervene and tell them to remove me, since I payed the balance of {$330.00} to XXXX XXXX and {$850.00} to Santander, N.A. However, nobody took steps into correcting this and removing me from the database so I can get my life back.

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 2023-11-25
Company: DISCOVER BANK
State: PA
Product: Credit 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:
I inquired about the validation of the transaction and was informed that XXXX provided supporting documentation indicating a cancellation of the subscription on XX/XX/XXXX. However, this contradicts the evidence I presented, which clearly shows XXXX confirming the cancellation of my subscription on XXXX. 

Adding context, on XX/XX/XXXX, I received an email about an update to my water filter subscription, despite it being canceled by XXXX. Subsequently, on XX/XX/XXXX, a charge appeared ( which I disputed ), followed by my contact with XXXX  on XX/XX/XXXX, where they claimed the XX/XX/XXXX charge was for the last filter before my supposed cancellation on XXXX. This seems improbable, given that the last water filter I received was in XXXX. 

Despite my efforts, they refused a refund, prompting me to initiate a dispute with Discover. Notably, I possess video documentation of my conversation with XXXX on XX/XX/XXXX, submitted as screenshots to CFPB, as they declined to provide me with a copy via email.

Company response to consumer: Closed with explanation