BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this in the past and would like only the date of first delinquency so I can know the exact date that it comes off my credit report and so I can dispute it if it is incorrect. I have attached a previous response from XXXX but the information is not clear about the date of first delinquency and the date it will be off of my credit report. In the attached documents it appears that it first became delinquent in XXXX of XXXX and was charged off in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: TX
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:
That, i am a natural person. i am a living human being, spirit. i have rights under USC 1681 ; That, Experian is governed by 15 USC Section 1681 and they violated my rights numerous of times ; That, I demand the accounts listed below be remove because according to 15 USC Section 1681, I have the right to privacy and I did not give Experian written permission to furnish these accounts ; That, In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681 ; Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Bank Account XXXX XXXX Account Name : XXXX XXXX  Account # Unknown Account Name XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX ( XXXX Only ) That , 15 USC Section 1681 Section 602A states that I have the right to privacy ; That, 15 USC Section 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without my written [ expressed consent ] instructions ; That, 15 USC Section 1681c ( a ) ( 5 ) states that 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 antedates the report by more than seven years ; That, 15 USC Section 1681s-2 ( A ) ( 1 ) states that 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 ; Affiant further sayeth not. 

/s/ XXXX XXXX XXXX Representative for 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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
After several attempts to get this matter resolved, XXXX XXXX XXXX still has a collection on my credit report while they are not able to provide 1 ) A copy of the original application which includes my electronic signature 2 ) Full payment history from the original creditor 3 ) The original purchase agreement that shows that they legally own this alleged debt that provides the name and address of the original creditor. Since they can't provide these items, that is proof they can not legally collect this alleged debt. Secondly, XXXX XXXX XXXX is NOT licensed to collect debt in the state of Alabama. Section 604 A Section 2 of the FCRA states a consumer reporting agency can not furnish an account without my written instructions. I have at no time sent any reporting agency my written permission and they are not able to prove that I have. Section 15 U.S.C 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2023-11-15
Company: TRANSWORLD SYSTEMS INC
State: HI
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A debt popped up on my credit unbeknownst to me. ( I am in the process of getting an auto loan ) I called and apparently they had the wrong address. It is a XXXX party collecting for an old cable bill. I had moved out of state and a small balance was left over. In order to get the loan I needed proof the debt was paid. They had the wrong forwarding address. I called them to pay. I told them the situation and that I needed a receipt so my loan can be approved. She stated on the XXXX of XX/XX/2023 that they would email me the receipt in XXXX hours. The receipt never came. I called them Monday the XXXX of XXXX ( Im in Hawaii so my time is different. They are closed when I get off work ). The XXXX XXXX XXXX said it would be XXXX more days for the receipt. I requested a supervisor they said it would be there by today. I spent well over a hour and a half Monday trying to get a receipt. Called again Tuesday XXXX of XXXX. I have been on the phone literally half of the day. I have spoken to a dozen different people all told and received a dozen different answers. Anywhere from 1 day to XXXX days to XXXX days. I still do not have the receipt. It shocks the conscience. XXXX with XXXX today around XXXX pm Hawaii time. Requested a supervisor after yet another time frame for the receipt, he put me on hold for XXXX minutes then came back and said there wasnt a supervisor available, they had all left for the day. I called back at XXXX XXXX  and was able to get a supervisor. Still have yet to get a receipt. They acknowledge the debt is paid. For whatever reason Id have better luck getting into XXXX XXXX. It has to be a systematic business model to not give receipts. Im not exaggerating when I say its been XXXX hours of wasted time on my end. 
The company is XXXX XXXX XXXX XXXX collecting for XXXX cable. Their number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with The Fair Credit Reporting Act. This account : XXXX # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights. 15 USC 1681, section 602 A. States I have the right to privacy. 15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) section states ; no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. ( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN ) Company made aware of these discrepancies upon origination. This investigation has exceeded 365 days. Delete from credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Loan # XXXX Dear Sirs, we are a responsible Real Estate owners, we have made several payments IN ADVANCE towards our Mortgage listed above for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Nationstar mortgage company made several errors in applying these payments at first to the WRONG accounts, then to the interest and Principles, even though we talked to the Managers to ONLY direct our payments to INTEREST ONLY for the follow months. 
They attempted to correct the account ; almost every month to no avail. On XX/XX/XXXX we received a SUSPENSE NOTICE for XXXX ( XXXX XXXX ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we received another SUSPENSE NOTICE for {$6.00} ( including penalty and interest ), which will put our credit history in late payment and accrued interest and penalty!!! 
On XX/XX/XXXX, we contact the Manager demanding that correct our account according to pour Timely and in advance payments, he refused and he demanded that we pay immediately {$4.00} alternatively he will suspend the payment ( again )!! 
Manger admitted that an error from the company side did occur, yet he still demanded full payment from us!! Alternatively he will suspend the entire full payment for the month and harm our Excellent credit ratings!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE 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 2023-05-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I use XXXX  sometimes to make payments to vendors.. I have been using XXXX for YEARS with my Chase credit card and it has never been a problem. All of a sudden Chase started not only charging me an interest on a cash advance which WAS NOT a cash advance but they also started charging {$5.00} transcation fee for each charge when I used XXXX XXXX. All this started in XXXX! I called Chase and asked for them to take them off because I was unaware and I can PROVE where I been using XXXX  for 2 years with them and they just NOW started charging these fees without letting me know or making me aware! These fees are unauthorized being they did not make me aware! It also should be illegal they charge me a cash advance and a transaction fee when I was making payments to vendors, not taking out cash or going to a atm. It also should be illegal to charge me a {$5.00} transaction fee and a cash advance fee for sending {$3.00} payment to a vendor! This should be against the law and my next step is getting a lawyer. I was not aware and Chase could have worked with me but instead they just argued when I called them and said they cant take off transaction fees. I will be closing out my card at the end of summer and opening a new one with a different bank! I have had this credit card since XXXX. I have attached my credit statements to show how Chase just started charging these fees out of no where without any explanation! You can see in XXXX they don't charge cash advance fees or transaction fees but in XXXX and XXXX Chase decided to to just start charging fees without my knowledge. This should be illegal!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: OR
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: MN
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:
The following hard inquiry currently listed and showing on my XXXX XXXX and Experian credit report is unauthorized and not my hard inquiry : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXXXXXX XXXX XXXX XX/XX/2023

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 2023-08-28
Company: EQUIFAX, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
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 items 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 items 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. 
Here are the list of items which 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, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX Balance : {$700.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$200.00} XXXX  Balance Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX Balance {$690.00} XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXXXXX XXXX Date of Inquiry XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-08
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: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over XXXX  days. These consumer reporting agencies are in violation. 
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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting act, account XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States that I have a right to privacy 15 U.S.C 1681 section 604 A. Section 2 : It also states that a consumer report agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are writing to ask for your help in our situation with Nationstar Mortgage. Last year we decided that it was time to sell our home, we no longer can afford it, it had taken almost all our retirement funds trying to save our home by waiting for the value of our to go up enough to sell it without having to pay out pocket expenses related to the sale. Here in XXXX XXXX the market had not improve enough for that to happen. We hired an real estate agent to sell it, that is when we found out that the value of our home is still under water by about {$18000.00}. She advised us to file for a short sale, we did that in XXXX of 2014 and as of this date we have not received any communication from Nationstar Mortgage. They told our agent that FHA approved a loan modification, we have never received any detail or written notification from them regarding this decision, maybe it is your a tactic to delay it. We are worry that this is going to end in a foreclosure. 

Here is our problem, following the advise of our agent, we stopped making payment for two months, they place the rest of the payments that we made in an escrow account and blocked us from making payments electronically, meanwhile they sold our loan to XXXX of Florida. They will not return our phone calls or communicate with us at any time of this process, the only contact phone they provide is a call center with voice mail never a human and we leave message after message and they never return our calls. 

Please help us, we are seniors with very little money left, my husband is XXXX years old and I am XXXX, we can afford to fight these people that are in the business to screw the consumers. 

Also I would like to tell you that for the beginning of this process we have a serious offer of {$190000.00} which has not been accepted nor rejected, plus they have been many interested buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXXXXXX XXXX  XXXX XXXX via XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX via XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX Requested On : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXXXXXX Request On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX via XXXX XXXX Requested On : XX/XX/XXXX Individual ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX XXXX XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief