BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was approved for forward payment mortgage assistance in XX/XX/2022. The following month, I provided the award letter to the mortgage company, Nationstar aka Mr. Cooper, to have for their records. This letter detailed XXXX forward payments would be paid by the XXXX XXXX XXXX XXXXXXXX XXXX under the Homeowner Assistance Fund ( HAF ) program. After calling Mr. Cooper multiple times for payment status, I was told late fees and negative credit reporting would follow late payments regardless of the commitment and guarantee of a government agency sending the funds. 

I requested to speak with the XXXX point of contact within Mr. Cooper and I was told there was not anyone assigned to deal with HAF. I had been communicating with the Florida XXXX consulting firm and they advised that payment for XX/XX/2022 had already cleared with an email dated XX/XX/2022. However, upon calling Mr. Cooper, loss mitigation department could not locate the payment nor provide any information on funds received or when they would be posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
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:
Submitting proof of residency again for fraudulent accounts XXXX XXXX XXXX to be reviewed and removed from XXXX and 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 2023-03-10
Company: EQUIFAX, INC.
State: NJ
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 has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse
items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today ( XX/XX/2022 ) I tried to make a purchase with my Citi AAdvantage XXXX XXXX credit card. It was declined right away. 
After checking my remaining available credit I figured that it is too low for that purchase. 
However, the payment for the XX/XX/2022 statement was processed on XX/XX/XXXX which should have given me more than enough remaining available credit. 
I called Citi and tried to solve the problem so that they apply the XX/XX/XXXX payment to my credit card account. After almost 1 hour and thereof 30 minutes waiting for a supervisor I hung up. 
Then I called the company I made the purchase with to split the payment among 2 credit cards. Also that payment didn't go through because now it got flagged as 'fraud '. I called Citi again and had to go through a ridiculous verification process : they didn't accept both of my XXXX mobile phone lines ( no reasons given ) - one of them a company mobile phone, I answered all of their security questions correctly, but it still was not enough to verify it's me. Then they wanted another credit card, from another credit card company, to verify. I gave them my XXXX credit card and they called XXXX to verify me. After another 10 minutes they came back to go through every single purchase I made over the last 2 weeks. 
I think they unjustly deny access to my money which is not acceptable.

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 2022-09-29
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:
These accounts are not mine but is reflecting on my credit report. 

XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1800.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$5900.00} XXXX  XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$780.00} XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$32000.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$1100.00} XXXX  XXXX Acct # : XXXX Opened : XX/XX/XXXX Amount : {$500.00} They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Equifax any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: U.S. BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Hello, I just received a notice in the mail from US Bank that someone or entity tried to applied for a credit line under my private information. I'm really upset about this and this is not the first attempt. Lucky for me the thief was not able to get the credit line because it was not approved accordingly. I would like this to also be removed from my credit cord, being that I am doing my best to fix it. US Bank XXXX needs to do better by protecting people information to prevent these theft from happening. Please le t me know if there is any additional information needed to address this issue head on. Thank you for your time and assistance with this very delicate matter.

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 2022-08-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows eight credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I carry my own homeowners insurance and BSI is charging me for their homeowners insurance. I have sent in my face sheet for insurance and spoke to a representative numerous times to no avail. I was told they had the incorrect property address. I sent in proof from the county. Somehow they paid property tax on the correct address but still are charging me for the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an inquiry on my credit report that I did not recognize nor authorize. 
AMEX Bank Credit Cards XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Re : LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX I have disputed this collection account before but XXXX has NEVER required this debt collector to submit evidence of the ACTUAL default date. What appears on my credit report is the date they bought the debt, not the date of actual default, which was at least 13 years ago.

The law clearly states that a debt must be removed from a credit report 7 years from the date of original default, not the date the collection agency bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX, I had a few concerns with the Shellpoint Mortgage Company, I recently completed a Mortgage modification with them a few months ago. I recently found out that shellpoint Mortgage reported me to the credit reporting agencies as late on payments. I was never later on my payments. I followed the bank process and the instructions, including making all the trial payments, s and continued to pay my mortgage even when I was told no payment due. I was diagnosed with XXXX in 2019, XXXX, and struggled with other chronic health issues. Still, I continue to cooperate with the bank only to find out they are deliberately reporting customers late so they may stop the customer from re-financing and leaving their organization. I recently found out that Shellpoint just settled a class action suit for dishonest practices and lying to current customers during the XXXX crisis and has recently settled. I spoke with the attorney and was notified this may be an additional complaint file based on bad business dealing with retaining the customer base if they are reported late on their mortgages, the opportunity to re-finance or leave the company is not afforded to the customer. Shellpoint is guilty of creating policies that do not allow for the customer to move forward by choice. I have requested a decision on how shellpoint arrived at their decision to report my account late. I was told 3-5 days, then change to 7 days, then change to 30-45 days. I have made a recording of my phone call to one of the representatives. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: CA
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  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: CBC Companies, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX used my credit report on XX/XX/2021. It is an inquiry on my credit report.I did not give this company permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted 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 2022-09-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive called Equifax more then once to have them remove the birth date on my credit report thats not mines Ive filed a dispute sent in proof and still nothing I upload my ID online for the dispute they investigated and still didnt update it. this is causing me to be denied credit and its unfair my birth day is XX/XX/XXXX not XX/XX/XXXX this is not cool they get to pick and chose what stays on my credit file even if its not my correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: EQUIFAX, 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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : credit bureaus won't give me full account numbers of the above accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i have recently got my credit report and notice some inquires that i do not recall, and there are errors in multiple accounts, i would like these inquires removed asap, i have certified mailed all the documents and my credit reports to transunion XXXX and 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 2022-09-29
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I defaulted on a debt with XXXX XXXX way over a decade ago. After 7 years when this remained on my reports, I started disputing the report with the credit agencies. Instead of dropping from my report it keeps being sold and reaged. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently trying to refinance my home and the mortgage company is unable to pull my Equifax credit score. I had this issue a few months ago when another lender tried to pull my score for a loan and said there was a freeze or lock on my account. I had contacted Equifax numerous times and explained the situation and was told there was no lock or freeze on the account and that there should be no issues. The lender tried to pull the score again and had the same outcome. I contacted Equifax again and they advised me to fax in a cover letter, social security card, etc. and explain the situation. Again, I was told there was no issue. My lender has to pull from all three bureaus and this is holding up the process. This has also kept me from obtaining other loans in the past. I really need this issue resolved as soon as possible as I am under time constraints from the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After I sent Bureau letters last XX/XX/2022 incorrect accounts are still reported to my personal credit file. The 3 Bureaus Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified accounts without providing any proof required by law. The 3 credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate & I never authorized for my credit to be accessed. Here are the list of accounts that needs attention in my file : XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : 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