BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: FL
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 declare under penalty of perjury ( " under the laws of the United States. '' if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willing for Miss statement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you to do so for. I want to make it clear that I'm not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldn't file the report because I didn't have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE

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: 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 18th 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, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX XXXX XXXX XXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2018-05-14
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was sold to Nationstar, and I had trouble since. Last XX/XX/XXXX, I called and asked Nationstar if I could prepay my XX/XX/XXXX property tax since i have an escrow account with them. I was told I could go ahead pay it, and Nationstar will do a escrow re analysis for me once I submit the payment proof. 

I faxed over my payment proof in XX/XX/XXXX and called request for the escrow account analysis. In XX/XX/XXXX, I called. In XX/XX/XXXX, I called, In XX/XX/XXXX, I called. However everytime I called, the rep. including the supervisor were rude, not willing to help, nor do the escrow re analysis. I was told a different story every time I call. 

I called local county, and I know the county has refunded the money back to National star for my property tax for the period XX/XX/XXXX - XX/XX/XXXX, at {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was a victim of identity theft... bureaus refuses to remove the information off 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 non-monetary relief
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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:
These inquiries were not authorize by me : XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on 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 explanation
Consumer complaint received 2023-10-09
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-10
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
1. XXXX is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to Nationstar, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both Nationstar and XXXX for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. Nationstar has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded Nationstars letter, a copy of my policy, and a statement showing that my policy is current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I simply desire a hard copy credit report from the XXXX credit bureaus. I had no luck getting a confirmation by phone. The process has become very difficult. Accordingly, I desire a free hard copy credit report to be mailed to my home address. This is a professional request, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Cfpb, This is my dilemma... XXXX XXXX sent my account to debt collector IC systems without sending mailing me any correspondence.. I opened my account with XXXX on XX/XX/XXXXXXXX XXXX XXXX and I closed it in XXXXXXXX XXXX XXXX due to functionality issues with my purchased device on their network. Upon closing my account, I specifically asked their customer service team if I can continue to make payments on XXXX even though my account is closed. The customer service team responded with a yes and I continued to do so. On XX/XX/ I received an update from XXXX XXXX that my XXXX account has been sold to IC systems and my credit score dropped by XXXX points. Below I've attached pdf directly from XXXXXXXX XXXX  site proving that I never stopped paying on the debt of my device ....

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 2023-06-20
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still unauthorized inquiries to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these inquiries. 

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 explanation
Consumer complaint received 2023-08-19
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I entered the PNC branch in XXXX XXXX XXXX XXXX. I made a {$1000.00} payment to my HELOC. I paid the payment due and the remainder was to be applied to the principal. Instead they applied the full amp to the principal. I noticed.that the error was made and contacted the bank. That said no problem it could take 5-7 business days to correct. I looked today and they repeated the same issue. In addition they debuted my checking for the XXXX payment. Well, that brought my account below the minimum to avoid service fees.I was assured that everything would be corrected. In addition they have also charged the wrong interest rate. I te River a letter saying they would credit my account within 90 days I believe. This bank is unethical in its practices. The Funds Availability Act is also interesting at this bank. I made a deposit last month online and was going to be charged to use the funds before a certain date even though my check cleared. I thought at least {$220.00} of every deposit was to be made available and how can they charge me to use my money when my XXXX XXXX has already cleared my check. I want all of my monies due to me immediately and I want in penalties and damages due to me paid to me. This bank is operating as a predatory institution and I believe my rights as a consumer have been violated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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've reached out to the credit report compony about the bankruptcy on my report and the accounts that are showing negative on my report and they refuse to show ownership or proof that they belong to 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 non-monetary relief
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to the fair reporting act everything must be reported 100 % accurate to the credit bureau. the credit bureau stated that my account was properly investigated. Based on the recent credit reporting my the date of last activity, last report date, open date and last payment date is incorrect. account number XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I live in an area that was a federally declared disaster area because of hurricane Irma. After the hurricane, my mortgage company told me that I could defer payment of the mortgage for 3 months ( until XX/XX/XXXX ) since I was recovering from the hurricane and that the deferred payments would be placed at the back of my loan. At the end of the 3 months, when I contacted the mortgage company, they told me that the program was extended for an additional 3 months ( until XX/XX/XXXX ). In XXXX XXXX, I was told that the loan would be modified and the deferred payments would be placed at the back of the loan. I contacted the mortgage company in XXXX to find out what the process was for modification ; I was told to send in multiple documents which I did. After submitting all the required documentation, I checked the status of my modification online every day for the next month. I called on numerous occasions to inquire about the status of the modification and to inquire about the payment. I was told that they were working on the modification. I was told not to send in a payment for XXXX because it would be rolled up into the modification. In XXXX, I was told that my modification was denied because the payment would go up from approximately $ XXXX to approximately $ XXXX and that they were not allowed to modify a payment if it increased the payment. I was then told that I could get on a payment plan that would require me to pay approximately $ XXXX for 6 months which could be extended another 6 months until my account was current, but that the denial was not complete and that they were still working on the modification. I received an email notification that there was a new document on the loan and when I logged into the website, I saw that there was a modification denial letter. I called back the mortgage company to inquire about the payment plan again since the modification had been completely denied and I was told that I am not eligible for the payment plan any longer because they had sent out a demand letter for the total monies past due on the loan which is {$16000.00} within 30 days. I told that mortgage company that I do not have the money and I would not have it within 30 days. I asked what would happen if I didn't pay it in the 30 days and the mortgage company told me that they would foreclose the very next day and sell my house. I can not lose my house because I am a single mother and I am caring for my sick mother who is on XXXX. I really need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
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 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,, 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 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please understand that the details in my credit report are inaccurate. It includes name, addresses, employers and inquiries that are not associated with me. I urgently require the removal of this fraudulent information. Given that I have been a victim of such issues in the past, I am taking every possible step to ensure the accuracy of my reported information. Since I have not received a satisfactory response from the institutions responsible for reporting accurate and permissible data, I am now seeking assistance from a higher authority. Kindly expedite the process of removing this erroneous 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 2023-10-07
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: U.S. BANCORP
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, Elan Financial Services has damaged my name, and my credit Elan Financial Services has entered derogatory information into my credit file. I should not be responsible for Elan Financial Services mistake. Elan Financial Services has resource to enable accurate information about the clients inquiring new services. Elan Financial Services allows an account to be placed under my name erroneously. Elan Financial Services should verify all information prior to approving any application 's for services.

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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX with account number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have tried to resolve this issue with XXXX, XXXX and TRANSUNION on XX/XX/2023 but have gotten nowhere. I even sent in proof that this account is reporting inaccurately.

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