BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir/Madam, I am writing to dispute the following information in my credit report. The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681, in accordance with the Fair Credit Reporting Act. 
Hard 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 Personal information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 15 U.S.C 1681 ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer by any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, I am requesting that the listed accounts be deleted immediately : Enclosed is documentation supporting my request. Please investigate this matter and delete the disputed items as soon as possible
. 

Sincerely, 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 2023-11-20
Company: EQUIFAX, INC.
State: PA
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 just checked my credit report and found some inquiries that belong to someone else

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi bank Costco Credit Card. 
XXXX delivered a dishwasher that they installed. Their installer failed to hook up the return hose and water supply hoses flooding our kitchen and laundry and living room area further making us lose the ability to utilize our kitchen sink. XXXX failed to send a plumber to fix the issue. They documented and advised eventually for us to get our own plumber after several days and they documented that they would reimburse us but to date have failed to do so. We disputed the charge with the Citi Costco Card and submitted documentation requested by Citi customer service. The charge was ruled in our favor after providing the documentation. After completing this process in good faith and still not receiving any reimbursement or repairs from XXXX to date, we instead were retaliated against as Citi now closed our credit card last week citing the disputed charges. Following Citi 's own process for disputing a charge resulted in them discriminating and retaliating against us. I do not feel that what has transpired is right considering I was not warned of this and told disputing a charge would result in forfeiting points, rewards and annual fees. In addition as a result of this, Citi bank now cancelled my other XXXX XXXX card yet of course did not cancel the linked Citibank Savings account I have. I will be closing said account as a result of these actions. Further I would like to request that my annual fees be refunded that were charged that I do not have any benefit from without a working card. Is it best to get an attorney in this case?

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 2023-10-16
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
As I told you in my first complain, I had to make a payment of over {$2000.00}, which usually goes out automatically from my account this time I did not want it to go from the regular account so I gave them a different account number and the routing number, where to take the money out from They did not listen to me they tried to take it out from the regular account so the money was not there so it bounced. They charged me for bouncing it and now instead of fixing the promise they going to fix it they are charging me interest on top of it I dont think its right they know that they made a mistake And they should not charge me anything for it. I want my charges and interest returned to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with FCRA ( fair credit reporting act ) XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.Code 1681 Section 602 A. states that I have the right to privacy.

Along with 15 U.S Code 1681 Section 604 A section 2, states that a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2018-08-23
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We received the ATP from HUD in the begining of XXXX. We got the offer and everything over to Mr Cooper through equator after the 2 week marketing period. There were a few additional requests for documents and corrections and they were all completed. We have been waiting for responses and requesting updates since XX/XX/XXXX and I was told that NOTHING Has been done to the file since the XXXX. We have an offer that is compeltely meeting the ATP guidelines and our buyer is going to loose their ability to get a mortgage at the end of this month. I have been emailed and requesting updates with absolutely NO RESPONSES. Yesterday the XXXX XXXX emailed me to let me know that she is waiting for a variance ( that should not been needed being we have the ATP ) and that the client needs to be 31 days past due. This is untrue because we have a ATP. She is not properly working this file and her co worker at MR Cooper specifically told me she has not TOUCHED THE FILE since XX/XX/XXXX. We received the contract approval on the XXXX, there is no reason it should be taking this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: 2288984 Ontario Inc.
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
While making payments, I discovered that I am being charged a ridiculous amount in fees when making payments for a loan I requested to help me and my gamely move. When making a {$180.00} payment on every occasion XXXX would continue indefinitely, every 2 weeks, they were charging me a " service fee '' of {$160.00}, only allowing {$20.00} to go towards my total loaned amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: NATIONSTAR MORTGAGE LLC
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: Investigation took more than 30 days

Complaint:
XXXX has totally XXXX my credit up putting on stuff that is not mine ruined my credit this has taken 120 days and still not fixed after ftc and fcra sent over with police report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT, THESE INQUIRIES ARE NOT MINE ALSO. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX ACCOUNTS Name : XXXX XXXX XXXX Number : XXXX Name : XXXX  Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: GA
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 applied for a car with XXXXXXXX XXXX  and the used my information with other companies, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-09-18
Company: Experian Information Solutions Inc.
State: MO
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 am writing to express my ongoing frustration and concern about the multiple attempts I have made to verify and remove inaccurate accounts, specifically late closed accounts and charge-offs, from my credit report. Despite my persistent efforts, these inaccuracies continue to adversely affect my creditworthiness and financial standing. I am writing this letter to bring this matter to your attention and request an immediate resolution. I am well aware of the significance of accurate credit reporting and how it influences my ability to secure loans, credit, and other financial opportunities. The presence of these inaccuracies on my credit report has caused significant financial harm, including higher interest rates and difficulties in obtaining credit. I respectfully request that your bureau takes immediate and thorough action to investigate and remove the inaccurate accounts mentioned below from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct these inaccuracies, along with a timeline for their removal. Clarity regarding this process is essential for me to understand when the issue will be resolved. Should these inaccuracies persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Please assist me to removed the following accounts : XXXX  XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. XXXX XXXX XXXX XXXX Owed : {$2900.00} - XXXX believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it. XXXX XXXX XXXX XXXX : {$160.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. XXXX XXXX XXXX XXXX : {$560.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item 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 2022-10-10
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 submitted a police report, theft affidavit and identification XX/XX/2022 the I was a victim of identity theft. Per the FCRA 605B the bureus were to remove and block the fraudulent accounts within 4 days.They did not. If they are not willing to abide by the laws I will seek out legal counsel and go to small claims court. I do not understand why they would list a fraud alert but not remove the disputed accounts opened fraudulently.

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 2023-10-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: NATIONSTAR MORTGAGE LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I purchased an acreage. I had borrowed through XXXX XXXX XXXX as a first time home buyer. It was a FHA Loan. My taxes and insurance is all escrowed as well as the PMI ( private mortgage insurance ) In XXXX the PMI had come off my mortgage. Making my payment somewhere around XXXX a month mark. In XXXX I decided to refinance to take advantage of lower interest rate. The refinance was with Nationstar Mortgage. Who now is Mr Cooper. Since refinancing the PMI had went back on my mortgage. Since my refinance my payment has significantly climb to up over XXXX a month. Yet my mortgage balance does not not decrease. Last year at this time Nationstar mortgage told me in XX/XX/XXXX the PMI would come off. Mr. Cooper associates tell me that im not eligible now. Ive lived in this house I purchased for 8 years now. Never missed a payment, was never late. My mortgage balance doesnt seem to decrease How ever my payment continues to go up and up. I feel as if something is just not right. Ecspecially after being told by Nationstar before switching names ... that the PMI would fall off in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX  XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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.

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 2018-08-10
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Approved for remodification with Mr. Cooper. However remodification contract sent in deceased mother 's name. Remodification Contract was never corrected. Final mortgage payments were then placed in an Mr. Cooper unapplied account and I never received unapplied payments back. After which, my Mr.Cooper mortgage was transferred to XXXX without a remodification or unapplied mortgage payments returnrd.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: MN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of XXXX I returned from a hike with XXXX XXXX. I went to my primary care doctor to get examined. He was unable to realize any immediate problem but wanted me to go to a XXXX  and ultimately the hospital for additional examinations. During an XXXX, it was discovered that I needed and immediate XXXX XXXX and on XX/XX/XXXX I had the XXXX XXXX XXXX. 
I fell behind on my mortgage payments as I could not work and was able to secure a loan modification from Nationstar Mortgage ( now Mr. Cooper ) in early XXXX. My recovery took much longer than expected and I fell behind on my mortgage payments again but was able to borrow enough money to make the payments up ( reinstatement of the loan, {$45000.00} ) in XXXX. 
Still unable to work I fell behind again and have filed numerous loan modifications over the last 18 months all with the same result ; they will not modify my loan as the payment will go up. I have continually stated " I will accept a higher payment as I can now afford it as I am working full time now. '' Mr. Cooper always says NO! I have secured the help of a HUD Counselor to see if he can get Mr. Cooper to agree to the higher payment ( just a few dollars more a month ) or allow me to make the payments I am behind by paying the mortgage plus 50 % ( I am {$23000.00} behind ) and of course they say NO! 
I have a loan modification in their hands now as directed by the HUD counselor and they served me with a Notice of Default on XX/XX/XXXX while in loan modification and while negotiating with the HUD counselor on my behalf. It seems their only interest and motivation is in getting my $ XXXX cash equity in my home. 
The actions by Mr. Cooper are very unfair as you have a person that wants to stay in his home of 15 years and wants to pay a higher modified mortgage payment or wants to pay the mortgage payment plus 50 % to make up the past payments but they say NO! It makes no sense! Please help me!

Company response to consumer: Closed with explanation