BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have had multiple communications with Experian this year XXXX. They continuously and intentionally corrupt my score and personal life by reporting a false credit score. Not only on their website but to creditors inquiring my credit score. I have documentation showing the website still reporting a XXXX when my score is currently a XXXX and has been atleast XXXX this entire year. Again, even the CFPB can take a look at my credit report from a dispute earlier this year and see that my score was higher than XXXX. XXXX XXXX XXXX gives me better updates than Experian themselves. Continuous communications have led me here, being that Experian has given me no results. They continuously choose to report what they choose to not based off of any accuracy or communication what so ever on my credit profile. Experian is damaging my livelihood, reputation and future for any growth as a consumer.

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 2023-12-04
Company: EQUIFAX, INC.
State: GA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Mr. Cooper Group Inc.
State: FL
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:
I am Personal Rep for my daughter 's estate, obtained Homeowner 's Insurance for her property from XXXX XXXX XXXX  that was within the required parameters of coverage, effective after her policy expired ; policy effective XX/XX/23. Telephone contact with XXXX XXXX XXXX  revealed that Nation Star Mortgage dba Mr. Cooper bought the policy without notice or my permission and did not reflect initial payment of {$1600.00}, which is affecting escrow account, and they are wanting additional payment. I received no notification or correspondence from Mr. Cooper; found the insurance status by searching their website myself.

Attorney and I both unable to contact Mr. Cooper successfully ; put on hold and then left without any further contact from " customer service. '' property mortgage address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: CT
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Experian Information Solutions 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 value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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 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 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 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 2023-10-05
Company: Cascade CISS Holdings, LLC
State: IL
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:
The below inquires are on my credit report. Im not familiar with these companies and I didnt give them permission to run my credit. 
XXXX XXXX : XXXX. XXXXXXXX XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX + Miscellaneous Reptg. 
XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Brelvis Consulting, LLC
State: ME
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
I was charged  XXXX  by The Student Loan Help Center to act as my " Limited Power of Attorney '' in expediting the transfer of my debt from  XXXX   XXXX . My original understanding of what was to transpire, and why I was paying them {$990.00}, was they would be transferring my debt and I would then be paying them back my debt, rather than  XXXX   XXXX . Basically, refinancing my debt to The Student Loan Help Center. Once the process was completed my debt was transferred to  XXXX   XXXX . I started to make my new payments to  XXXX   XXXX  and noticed my principle was not decreasing. I called  XXXX   XXXX  and questioned the payment plan and inquired why my principal was n't deceasing. Through my conversation with  XXXX   XXXX  I advised the representative I had paid {$990.00} to have my debt transferred to them. At which point he told me  XXXX   XXXX  would never charge a client to have their debt transferred and " no one should be charged money for a service when it comes to federal loans. '' He recommended I reach out to the Consumer Financial Protection Bureau to attempt to get my money back. He also advised not only should I not have been charged, but {$990.00} was completely unreasonable to have a help center fill out some paper work on your behalf and that  XXXX   XXXX  would not have charged me anything. At this point I was shocked and outraged to know that I could have just gone through  XXXX   XXXX  to begin with and not had to pay {$990.00} to basically have paperwork completed. I 've been through this process before when I refinanced my private loans through  XXXX   XXXX , and they did n't charge me anything to have my debt transferred. I was under the impression and the extent of my understanding was that I was paying The Student Loan Help Center to take on my debt and I would be paying them back and that 's why there was a charge of {$990.00}. At no point was this process explained in detail that The Student Loan help center was just a servicer to have my debt transferred to  XXXX   XXXX . If I had known that I would have just contacted  XXXX   XXXX  directly and go through the same process I did when I refinanced my private loans with  XXXX   XXXX . {$990.00} is a rip off for such a service and is almost a years worth of payments on my student debt! I would understand this charge if The Student Loan Help center was the servicer taking on the responsibility of my debt, but that was not the case. The Student Loan Help center should have just told me what to do in order to have  XXXX   XXXX  assist me with transferring/refinancing my debt, and charged me maximum {$100.00} for the professional advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: KS
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:
Experian is failing consumers

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account # 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.

Section 1006.14 ( a ), which implements FDCPA section 806 ( 15 U.S.C. 1692d ), sets forth a general standard that prohibits a debt collector from engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. he general prohibition covers the specific conduct described in 1006.14 ( b ) through ( h ), as well as any conduct by the debt collector that is not specifically prohibited by 1006.14 ( b ) through ( h ) but the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Such conduct can occur regardless of the communication media the debt collector uses, including in-person interactions, telephone calls, audio recordings, paper documents, mail, email, text messages, social media, or other electronic media, even if not specifically addressed by 1006.14 ( b ) through ( h ) ]. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Number:XXXX  Date Opened:XXXX Amount : {$4100.00}

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 2022-06-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells Fargo closed my account on XX/XX/XXXX and scheduled for it to be closed on XX/XX/XXXX. Today after they continually did not notify me of anything they stated the deposit account will now be closed on XX/XX/XXXX They are holding my deposit account hostage, THIS IS A NOTICE TO CLOSE THE ACCOUNT ENDING IN XXXX 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 explanation
Consumer complaint received 2022-07-28
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against Credit Acceptance Corporation for committing aggravated identity theft. I have never given Credit Acceptance Corporation any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt that claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e12.

I have never received any documentation requesting validation from Credit Acceptance Corporation before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to, 15 U.S. Code 1692d4 which the FTC defines as debt parking. If Credit Acceptance can not provide me with proof such as a tracking number that they attempted to lawfully validate this debt with me, the consumer, prior to furnishing it to my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Acceptance Corporation can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Acceptance continues its collection efforts, I will file for litigation for actual damages caused and they will be held criminally liable for aggravated identity theft pursuant to 18 U.S. Code 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f.

Your prompt attention and response are both requested and required. 

XXXX : XXXX XXXX XXXX XXXX Without Prejudice. All Natural Inalienable Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: EQUIFAX, INC.
State: LA
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've submitted proper documentation stating that I was the victim of Identity Theft. Please review and respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX all my accounts were frozen by Wells Fargo Bank without prior notice. That same day, Friday, when I called customer service, they asked me to go to a branch. When I got there and asked for an explanation, they told me that I had to show my legal status. in the United States, and I gave them my XXXX ID, which logically they should have had beforehand when they opened my business account more than a year ago. By phone I filed a formal complaint on XX/XX/XXXX, since I was told that the problem was that I was born in XXXX and that therefore my accounts had been frozen, I regret having been born somewhere other than the United States, for the first time I feel discriminated against in this country thanks to Wells Fargo 's inability to solve problems created by them. At this time my accounts are still frozen, I asked them to let me know in writing the reason for this terrible situation, Wells Fargo today says that it can take up to 10 days to respond to me and in the meantime I feel treated with discrimination by them, and like a criminal, I can not use my money, I can not pay my bills or the rent for my business and my house, and I can not complete the sales of my business, causing me to lose thousands of dollars in an unfair closure without prior notice in the bank accounts where I have the money that has been worked with sacrifice for 9 years in this country.

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 monetary relief
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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 one of 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 accounts 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 accounts and inquiries : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these items ASAP.

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 2022-09-21
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My daughter is studying abroad in XXXX so we opened a student credit card for her with Chase with a {$500.00} credit limit. This has been her main source of funds for her daily living expenses since she arrived in XXXX 2022. On XX/XX/2022 she made a {$500.00} payment to the card because she was close to the credit limit. Chase credited the account for this amount but did not make the funds available to her. We called multiple times and Chase said the {$500.00} we sent in would not be available until XXXX XXXX, 2022. This is leaving my daughter without the use of this credit card - one that she is heavily relying on for food, travel and other daily expenses- for an entire week! Chase would not tell us why they are holding the {$500.00}. This looks and feels like theft of funds to us. This is my daughter 's money and they are holding it so she can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Experian Information Solutions 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 second 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 items. 
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 Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$930.00} ; 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 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

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 2022-07-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RE : Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) For purchase of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX I XXXX XXXX, was granted a Mortgage # XXXX by HSBC MORTGAGE CORPORATION ( USA ) in XXXX XXXX for a principal amount of {$140000.00} at 5.125 % 30yr term, for the purchase of a duplex at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX. The first payment due on XX/XX/2003. 
The first communication in writing from HSBC after the mortgage was granted, is a letter in response to my enquiry about using Electronic Funds Transfer program to repay Mortgage # XXXX. XXXX XXXX, HSBC Mortgage Cashiering Specialist letter would indicate that for payment purpose the Mortgage account number as XXXX. We did not worry about it as we recognized, the number as a diminutive of the real loan number ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) { the missing numbers being shown in bracket } UNTIL NOW. 
We received a letter dated XXXX XXXX advising us that HSBC has XXXX XXXX XXXX  XXXX ( " XXXX XXXX XXXX '' ) and that the current account # XXXX is changed to the New Account # XXXX. No reference was made the current account number is the number for accounting purposes that represent the Mortgage Loan # XXXX date XXXX XXXX. 
On XXXX XXXX an HSBC Loan # XXXX was approved for a principal $ XXXX 3.5 % 15yr term, from which {$110000.00} was used to pay off Principal balance on Loan # XXXX with " XXXX XXXX XXXX  '' the Original Mortgage # XXXX not being mentioned again. 
As the response we have received Form HSBC Mortgage company and XXXX XXXX  XXXX XXXX have been in slightly different terms " Since the loan have been paid-off, we do not have access to the files anymore ''. We respectfully request that Mortgage # XXXX be taken off the books OR marked as being Paid in full. 
Uploaded copy of HSBC XX/XX/2003 letter with " Subject : Mortgage Account Number XXXX and the Monthly Mortgage Statement clearly outlines all the condition in the Mortgage loan # XXXX. We submit that both account numbers are referring to the same loan. It follows that all the other subsequent loan numbers link back to Mortgage loan # XXXX. 
As such, the XX/XX/2003 Mortgage loan # XXXX has been paid in full in XXXX XXXX and should be recorded accordingly. 
Sincerely,

Company response to consumer: Closed with explanation