BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Nationstar c/o Office of the Comptroller of Currency Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX  ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
please CC all companies you are finding below THAT ARE HIGHLIGHTED. CC : TRANSUNION XXXX : XXXX XXXX : XXXX XXXX : XXXX  ( XXXX XXXX XXXX ) CC : SOS OF FLORIDA. This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX ( XXXX XXXX ). I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from human trafficking. I am a victim of 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 2023-11-24
Company: Experian Information Solutions Inc.
State: FL
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 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

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind.

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 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Ive mailed police report called been hung up on their stalling reps lying about stuff removed honestly if your supposed to help help theirs no enforcement to much fraud and stall tattoos they wont have a hand review they keep submitting to computer child support is not a loan I submitted info on things closed and paid they wont remove names that arent mine talking about they cant since no one wants to follow the law whats the point you guys helping if its not this is crazy damaging my life no help at all not to be rude this is stress full and beyond sad that seek for help and your being told a name you do not hair cant be removed after police reports submitted their not responding properly and it needs to be stopped if no ones above the law then why are they still operating and being able to break it because if I break the law do I get 30 days to fix it and dispute it no I got to jail right away so what right do they get to keep damaging my life and keeping a profile they still havent sent files for

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 2023-09-21
Company: EQUIFAX, INC.
State: CT
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX 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 XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX  Trans Union Corp.XXXX XXXX XXXX XXXX XXXX XXXX, 
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 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 2023-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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've diligently pursued resolutions for the inclusion of these accounts on my credit report, which are entirely unrelated to me. Unfortunately, my multiple dispute submissions have not led to the removal of these erroneous accounts from my credit history. In addition, I've taken the initiative to file numerous reports with the FTC regarding these accounts, which do not have any rightful connection to me. 

It's disheartening to note that these companies have failed in their legal obligation to address these disputes, as required by law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

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 2023-10-02
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 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
Consumer complaint received 2018-03-22
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had my credit pulled to purchase a new home and my current servicer, Nationstar/Mr Cooper has not reported my mortgage to the 3 major credit bureaus since last XXXX and the last payment they reported was 30 days late which is inaccurate and I have called and tried to discuss and have corrected and have not had any luck. I have called numerous times to try and get them to report my mortgage to the bureaus and even done a conference call with the company that pulled my credit and have had no luck. I am at their mercy to close on my new home as the lender needs the mortgage reporting and reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last month XX/XX/XXXX my condo unfortunately was foreclosed under fraudulent premises by XXXX XXXX XXXX that I plan to pursue in civil court. Since my foreclosure I have been waiting for the bank to contact me with information regarding what I must legally do next since they repurchased my condo. I have not heard from anyone, no written notice, not even a phone call until this past Saturday, XX/XX/XXXX when XXXX XXXX XXXX aka XXXX came into my condo. They came into my condo while I step out for 4-5 hours for an exam and repossessed everything in my unit. I was unable to go to work because they took my scrubs, personal hygiene supplies, etc. I had a business presentation that didnt go well because they took my suits and presentation materials. I called the police and they said nothing they can do because it is a civil matter. I have been calling them as well as my associates and XXXX refuse to talk to me or give me a rational explanation for what or why they took my belongings. I arrived back from my business trip XX/XX/XXXX so yesterday I resumed trying to contact someone about my belonging. They continued not to talk or give me an explanation for when, what, or where are all my belongings. The receptionist finally told me that someone from her office suggested that I contact The Agency who is responsible for my eviction notice. I dont know what they are talking about because it was XXXX XXXX that illegally foreclosed on my condo. 

Today, XX/XX/XXXX, I spoke to a representative for XXXX who told me that they threw all my personally and sentimental values in a dumpster. I filed a complaint with Florida Office of Financial Regulation. I dont believe they threw away my belongings as it was expensive clothing, suits, a safe, and hidden gold coins that were inside my tool bag. According to the law they were suppose to give me proper notice for eviction and furthermore any items they remove from my condo are to be kept in a secure storage for 30 days. Out of all the items they took, I want them to return the gold coins. My father gave me those coins to pass on to my first child in his name. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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, XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602A States 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 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-08
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fair Debt Collection Practices Act Violation There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 

XXXX XXXX XXXX Located at XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX is in Violation of The Fair Debt Collection Practice Act 15 U.S.C 1692 against me, XXXX XXXX as of XX/XX/2023. On XX/XX/2023, it was brought to my attention that Asset Care LLC furnished negative information to the Credit bureaus against my XXXX XXXX XXXX, in violation of 15 U.S.C 1692 ( a ). See. Attachment.

I XXXX XXXX never received notes of this alleged debt from Asset Care LLC in violation of 15 U.S.C 1692 ( g ) ( a ) and was never afforded the opportunity to dispute this alleged debt in violation of 15 U.S.C 1692 ( g ) ( b ). This negative reported information has grossly affected my ability to borrow money from any Finincial Institutions and has affected my credit worthiness.

Along with this Complaint, a Formal Complaint will be filed with the of office of XXXX XXXX XXXX, Attorney General for the State of Texas. In addition, a complaint will be Filed with the office of XXXX XXXX XXXX, Insurance Commissioner office for the State of North Carolina against Asset Care LLC Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Skrill USA, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I added month into Skrill but when I went to transfer it to my debit card or bank account, my account went to restricted. Ive done everything they asked and they have even said I did everything they asked but still wont release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX my credit card balance was paid in full. XXXX. 

See attached statement. 


No payment is due for XXXX. 

See attached The minimum payment for XXXX is due on XX/XX/XXXX See attached. 
XXXX marked my credit report 30 days late causing me to lose XXXX points. 

I call them today Monday XX/XX/XXXX and she was telling me I missed my payment in XXXX. There is no payment for XXXX because the entire amount was paid on XX/XX/XXXX. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
MrCooper XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX The homeowner recently called in to MrCooper and was told on a recorded phone call to do a short sale. The homeowner immediately listed the property and the listing agent procured an offer. Now that we are trying to start the short sale in XXXX we are being told that MrCooper never had any intention of entertaining a short sale. 

**If you had no intention of reviewing for a short sale why was the homeowner lied to? 

**In Addition -- -- Prior to the homeowner calling in, neither the homeowner nor their attorney received any notification from MrCooper of foreclosure avoidance options. If you are going to tell someone on a recorded line to submit a short sale package, never communicate regarding foreclosure avoidance options, WHY are you denying them for a short sale BEFORE YOU HAVE EVEN LOOKED AT THE OFFER??? 

**MrCooper was very clear with what they wanted as far as submission for a short sale for this homeowner, therefore the homeowner did not misunderstand anything at all. I want the file reviewed for a short sale LIKE THE HOMEOWNER WAS TOLD WOULD HAPPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

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