BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


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 2017-09-09
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX acting as trustee continues to file fraudulent foreclosures against me with fraudulent documentation. I am attaching a copy of a brochure that they mailed to me that says that they are not a party to any court actions however, there is an impostor or XXXX XXXX  XXXX XXXX is the one committing fraud and trying to steal my house. XXXX XXXX acting as Trustee is either doing this or they will need to become involved in order to stop an impostor who is acting illegally in their name. I am attaching some of the fraudulent documents that are being claimed to have been filed by the trustee. The case can be found online at https : XXXX and attached you will find 2 fraudulent mortgage assignments that this impostor or XXXX XXXX XXXX XXXX XXXX have filed in fraud. The first assignment has proof from the attorney general 's office to prove that the assignment is forged and fraudulent and the last assignment is a prime example of robosigning because it states the alleged assignee on the first page and then on the second page the robosigner types the assignee name as another party not involved in the chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Sentry Recovery and Collections, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I stayed at XXXX XXXX XXXX, which are pre pay weekly, monthly and extended stay place here in XXXX XXXX nevada back in XXXX for lets say maybe 1-2 months. I did not renew the new lease i movee my belongings and turned in the keys and left it was short term wgike apparrment hunting. 
Fast forward to XXXX XXXX XXXX, roughly 2-3 weeks ago i get a random call out of the blue from some Sentry Recovery and Collections claiming and i quote that i owe a debt of {$950.00} to them on behalf of XXXX XXXX. I ask how and for what. They refused to state what ot is for, refused to give me any requestd proof and documentation i demanded, they told me to contact XXXXXXXX XXXX which i did who then said its in collections already amd that they cant provide me with any proof or documentation and to contact the collections agence which now ive been contacting corporate and collections. Both refuse to provide me with and documentation of an alleged debt tgat would have been over 1 1/2-2 years ago and now they all of a sudden in XXXX claim i owed them yet can not nor will not say for what. I did not damage any property i moved out and checked out and returned the keys to the office. The collections agency also stated " I eas tresspassed and escorted off the property by metro '' to which i respinded that is definately not me as i have never been tresspassed from anywhere ever in my life and if XXXX escorted me iff the property surely tgere woyod be record of what ever incident they claim took place for me to be escorted XXXX the property, to which u demanded proof and documetation of that, which they agaun refuse to provide and one XXXX  me to the other then the other semds me back to one, and i still have yet to see hear read sniff anything regarding this false debt. I then last week get a credit alert thrpugj my XXXX  and XXXX XXXX XXXX and my XXXX  credit scote dropped XXXX points, and my XXXX score dropped XXXX points due to they reporting this XXXX credit bureaus. My scores were XXXX, and XXXX, now within 2 weeks of them randomly calling my phone out of the blue to which i also demanded how they got my personal information and social security without my consent permission, my knowledge, in violation of my XXXX and XXXX amendment protections in violation of due process.they hung up on XXXX XXXX 1-2 to weeks later i get the credit alert. I have never heard of these people. I dont owe anything to anyone. And they fraudulently and criminally submitted this to tue credit bureaus and that has caused IMMENSE HARM AND DAMAGE 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 explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am formally requesting an investigation into specific items on my credit report that I believe to be inaccurately reported. This account is causing both financial and emotional distress due to their derogatory nature. The details requiring removal are as follows : XXXX XXXX. This listed item is entirely incorrect and demand correction. According to my understanding of the law, I expect your thorough investigation within a thirty-day timeframe. I anticipate your prompt response. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to file a formal complaint against Experian regarding their failure to update my personal information on my credit report. The outdated information pertains to my previous addresses, which are still listed on my credit report despite my efforts to have them corrected. I have sent certified mail to the agencies to address this matter back in XX/XX/2023 and they have fail to update my report. 

By reporting these inaccuracies they are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates. Experian has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury.

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 2017-11-24
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have verified all three of our trial payments were made and cleared. However, we are unsatisfied with the new payment ( {$1400.00} ) and will refuse the new terms because they include money ( {$880.00} P & I ) for escrow ; ( {$600.00} ) that is not required at this time. My taxes are under a  XXXX exemption, therefore payments for taxes were returned. A representative of Nationstar/Mr. Cooper stated that it is not the responsibility of the mortgage company to question why the taxing authority keeps returning payments. In the meantime I have sent proof of my exemption numerous times over the past several years, just to be told that we have then they do not have it. This information is being sent to the CFPB for response and relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card
Sub-product: Store credit 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:
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. 

XXXX XXXX XXXXXXXX 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 2023-12-10
Company: JPMORGAN CHASE & CO.
State: GA
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 received an email on XX/XX/ from JPMorgan Chase & Company Bank saying that my credit card bill is overdue and it is overdue by 120 days. However, I do not currently have a credit card from Chase Bank. I have not had a credit card in over 2 years from Chase Bank. I called to see what was going on and why am I receiving this email. I found out that someone used my social security number under a different name to get a credit card. I have requested as of 2 weeks ago to have this taken off of my report and investigated. I was getting the runaround saying that I needed to call the fraud department because Chase Bank couldn't do anything. The fraud department said I needed to call back Chase Bank. I want this matter to be investigated ASAP. I also asked what was the name on my account so I can file a police report for credit card fraud and they did not give me the name on file using my social security number to get this credit card. Niw this is affecting my credit score and should not be on my credit report because I do not have a Chase Bank credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been sent to collections for apartment I never lived in, i sent a letter from the state of florid highway safty and motor vehicle stating there has been a fraud infestigation possible fraud. i have sent this letter to all three credit compainies and they still validateing this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: DApps Platform, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
i started trading crypto in a trust wallet browser called trust wallext. i was actually making money but when i went to withdraw they would not let me withdraw until i payed taxes and fees so i payed. every time i pay they told me i could withdraw but then they came up with another fee. the last time i payed a fee was XX/XX/23 {$16000.00} and the let me have {$610.00} but froze the {$230000.00} and said i had to pay {$19000.00} fee to unfreeze. they will not let me have my money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX XXXX checked my transunion credit report and noticed I have some fraudulent inquiries on my report I have listed the inquiries below. 

XXXXXXXX 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 2022-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
Last month I thought I changed all of the amounts due on my Capital One credit cards so that I was paying more than the minimum. Please note that there is no way to see what the minimum is on the app or can you access a statement. Today I get a email saying I've been charged a past do fee and that my bill is past due. When I call Capital One they tell me I haven't paid enough that the minimum was {$81.00} and I only paid {$50.00}. So when I went back to my app there's no way to be told what's your minimum is or to access a statement. I had to XXXX how to get this done. Which means I had to log off the app and go into the internet to figure out this information. I feel that this is a sly way of trying to get around people paying on time so that you can charge them fees. I thought I had doubled the amount of my payment so that I could pay more each month when in actuality all I had done was pay less than the amount due and incur myself a past due payment fee. There should have been an option to tell me what the minimum payment was or at least allow me to access my statement on the app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX with a dispute for consumer reporting agencies- TransUnion, XXXX XXXX XXXX. All 3 CRA 's are reporting inaccurate information- ( old addresses & old employers ) onto my credit report which is a violation of 15 USC 1681e ( b ).

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 2023-09-22
Company: I.C. System, Inc.
State: VT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was settled and paid. then they sold it to a new collections company, XXXX XXXX XXXX. This debt is not owed. I C SYSTEM can not collect the money from me, then sell it again.

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 2023-01-05
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is fraud or identity theft! This isn't my account or something I did. This collection company hasn't made any attempt to verify to see if it was my account. This is a fraud account or fraud collection. Either way this isn't my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My foreclosure began in XX/XX/XXXX when my servicer was XXXX XXXX XXXX ( an arm of XXXX XXXX ). They mishandled paperwork through FOUR failed modification attempts. During the second of these attempts, they filed a lis pendens with the court. They claim my husband was served. He and I are both on the mortgage. I was never served. Neither was he. But because they have an Affidavit of Service, the judge has continued to side with the bank. And because I was unaware of the action, I never responded. A few months later, during my THIRD ATTEMPT AT A MODIFICATION, there was a settlement conference scheduled. I did n't know what it was about because I was unaware of the foreclosure, so I called XXXX and asked them what I should do. They told me to disregard the notice. So now the courts see me as someone who does n't care about my home. But I do!!! 

In XX/XX/XXXX of this year I submitted a short payoff offer of $ XXXX to the bank. They rejected it. On XX/XX/XXXX I  submitted a modification application to them. They denied it. They said that because I 'm over 100 payments behind they ca n't help me, and that the only way I can save my home is by making the mortgage current ... to the tune of $ XXXX. They wo n't eradicate the interest and let me start from scratch. They can put those payments on the back end, let me pay back taxes and insurance, and let me start again. But they wo n't. 

They would rather put a mother on the street with her children than work with me. It 's disgraceful. I have contacted all of my elected officials as well as news outlets and the Attorney General about this. Now I am contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
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 U.S.C 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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