BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed. I contacted the furnishers and they approved to DELETE the accounts from my file. But then TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When I asked them why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

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 2018-03-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am the primary borrower on a home mortgage loan held by Nationstar/Mr. Cooper. I did a Quit Claim Deed on the mortgaged property 12 years ago but remained on the loan with the co-borrower. The property went into foreclosure last year and the co-borrower, who remains on the deed, requested a loan modification. I told Nationstar/Mr. Cooper not to process the loan modification because I didn't request it, did not agree with it and would not sign it. The co-borrower had agreed to sell the property since I did not agree to the modification. Against my directions Nationstar/Mr. Cooper processed and recorded the loan modification on XXXX-18 without my consent or signature. They removed me from the modification and executed the modification solely with the co-borrower. This is illegal because I'm on the original mortgage note and the Quit Claim Deed did not release me of the loan liability. I was not married to the co-borrower and, therefore, there was no divorce or divorce decree. A Quit Claim Deed without a divorce decree is not a valid legal instrument to remove me from the modification. I have now asked Nationstar/Mr. Cooper to deobligate me from the mortgage and they refuse to do so. They are still holding me liable for the modified loan which I did not sign or agree to. The property was supposed to have been sold by the co-borrower when the foreclosure proceedings began but the co-borrower will not sell now because they obtained the loan modification. Therefore, I am still liable for the loan and it has damaged my credit and I'm not able to obtain a new mortgage. Had Nationstar/Mr. Cooper not processed the illegal modification I would have been free of the mortgage liability when the property got sold. Nationstar/Mr. Cooper needs to deobligate me from the loan since they removed me from the loan modification without a legal right to do so. Therefore, the recorded loan modification is not legal and does not obligate me to the new loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: VA
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: DE
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 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: In progress
Consumer complaint received 2023-07-27
Company: Experian Information Solutions 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-07-22
Company: NAVY FEDERAL CREDIT UNION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I'm currently a victim of credit card fraud, cyber crime, and misuse of my checking and savings account. I noticed unauthorized transactions on my personal credit card in XX/XX/XXXX. 
I reported unauthorized transactions to Navy Federal Credit Union ... The bank refunded XXXX to my credit card but later debited my card back for this amount on XX/XX/XXXX. 
The bank stated that they do not prosecute individuals. I received a Case number from XXXX Police XXXX. who stated that they do not investigate crimes in other states. 

When these incidents took place, I was a resident in XXXX, TX. My credit card was used at XXXX XXXX XXXX, Address : XXXX XXXX, XXXX, TX XXXX. I had a total of XXXX unauthorized transactions at this location totaling XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also, a transaction from XXXX XXXX XXXX, Address : XXXX XXXX XXXX, XXXX XXXX, TN XXXX on XX/XX/XXXX -- -- -- -- XXXX. I spoke with XXXX at this company she stated this amount was a deposit on a truck for XXXX of her customers ( XXXX XXXX ). 
Third transaction on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX, XXXX, TX XXXX. 

All of these transactions my credit card number was manually keyed in the system. I have not lost my card or reported it as stolen. I sent fraud letters to all XXXX business but no response. 
Since these events, I received copies of all XXXX credit reports. I'm still seeing other transaction. For example, real estate where someone used by social security number. 

I have been trying to seek help with this matter since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: NY
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 I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX22 15 USC 1681 section 602 A states I have a right to privacy.

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 2023-07-27
Company: Experian Information Solutions Inc.
State: GA
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:
I reached out to the credit bureau regarding credit inquiries and a collection account that is not mine, and I did not authorize. 


According to 15 USC 1681- it is defamation to my character and livelihood.

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 2022-11-30
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINCL 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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Pacer Record type Bankruptcy XXXX XXXX-discharged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy. 

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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 2016-07-11
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Keeps calling my personal cell phone, but when I answer they hang up on me. I called back and it 's Nationstar attempting to collect a debt or loan, however, I have no account with them nor do I have anything negative going on financially. She asked me for my social security number and I refused. She then asked for the last XXXX digits and zip code so I gave her that. She said my account was invalid and to provide the proper info. I told her I have no account which is why I am calling and asked her to remove my number from the call list. She said she ca n't do that until she pulls up my account. I asked to speak to a supervisor numerous times and that I do not have an account and she just kept saying the information I gave her was invalid then she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2016-07-12
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
NationStar Mortgage Company has continued to inaccurately process payments to my mortgage account over a period of time. I have exhausted myself calling and reviewing the account with several different agents and to no resolve. On XXXX XXXX, XXXX I spoke with a supervisor regarding the matter because I was promised a refund check due to an escrow overage. He stated the first agent did not process the request accurately, and he was mailing it today and assured me by giving me a tracking number of an arrival date : XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX and I have an agent from Nationstar on the phone-line via USA ( UNITED STATES OF AMERICA ), whom stated it never happened! At no time did I request Nationstar Mortgage to wright and void a check in my name, virtually returning the funds back into the escrow account. 

This matter goes further back to XXXX of XXXX, a payment in the amount of XXXX was received by Nationstar, on my behalf. I requested them to apply to mortgage six months out, so I would have no mortgage payments until XXXX XXXX. Upon agreeing to these terms and conditions, they removed my six month options and demanded payment on XXXX XXXX, XXXX. 
Furthermore, after back and forth with their representatives to correct the problem I paid the mortgages late for XXXX XXXX and XXXX XXXX. 
This is a shame!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, This was a charge from years ago and could be even past the point of collection time. 
However, I had an XXXX XXXX Account through XXXX Bank now owned by XXXX XXXX to the best of my knowledge. 
I used it for a few years and always paid on time. 
Then there was a charge on my account for over 300 dollars and was shocked. 
I had used the card for services but the amount I was told was literally half of that. 
I immediately called the Credit Card company and told them the charge amount and so they credited me the amount of the over charge. 
I than paid the amount the was actually agreed to. 
After their investigation, they decided to put the double charge or overcharge back on. 
I even connected with XXXX XXXX and they offered me a credit in that amount. 
I did not make that charge or was over billed and no idea how that amount was able to transact. 
I know for a fact that I did not sign for that amount. 
My actual maximum balance I could charge was XXXX  that alone was over that amount, how could that charge even go through? 
I even paid the amount that I actually agreed to pay that resulted in a XXXX balance. 
I then asked that they close down the account as it still had my maiden name on it as well and could not get them to remove or correct it. 
I was upset and confused to then receive a bill back for the amount disputed. 
I wrote to them, I called, I did everything I could do as a consumer to get this taken care of. 
Meanwhile, they continued to charge fees and late charges and then finally closed it down. 
Then on top of that and knowing there was an issue sent it to Midland Credit Management. 
Ive asked them to send me my disputes that I have sent through to the company. 
All they sent me was a bunch of Terms and Conditions. 
They tell me via phone that this is all they need to send to me. 
The charge now they want me to pay is XXXX  in charges for a charge that was double the amount agreed to. 
It has been several years now, and hoping for some guidance on what I can do to resolve this issue if possible. 
Im hoping maybe if the CFPB looks into this than maybe one of them will be more apt to assist me in resolving this. 
But because Ive never received anything from the original creditor except statements, Im not sure how I could have even report this to the authorities. 
I need the evidence of the signatures and how this was able to be charged. 
Especially a charge over my credit limit and a card not in my legal name. 
Any help on this would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: MI
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:
Last month, I called experian to dispute a hard inquiry on my credit report that I did NOT make. An attempt to open a bank account under my name through XXXX XXXX! I in fact did not do such a thing and this morning, woke up to another hard inquiry regarding another attempt to request a loan via XXXX XXXX! I have not made these attempts not have I any idea where it has come from! I made a dispute and it stated remains as if its accurately been done by me and it WAS NOT! I am in fact a victim of identity theft!

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: PA
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 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 response to consumer: In progress
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX CA,XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA,XXXX  ; XXXX XXXX XXXX XXXX XXXX CA,XXXX ; XXXX XXXX XXXX XXXX CA,XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation