BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Mr. Cooper Group Inc.
State: MD
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:
We recently pulled our credit report and discovered that Nationstar is reporting sporadic late payments on our closed account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

According to Nationstar 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which Nationstar admits.

According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and Nationstar refuses to remove it.

This account was closed in XX/XX/XXXX, as it was refinanced with a new Nationstar account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that Nationstar delete their inaccurate reporting on our credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: AZ
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 got a notification saying that my credit score dropped over XXXX points. immediately upon reviewing my credit report I discovered fraudulent information being reported on my credit report. XXXX XXXX and XXXX XXXX reported a late payment on my credit! I have never missed any payments nor do I even recognize this account and information associated with it. I immediately called this company and reported this information as fraudulent. This company told me that I needed to dispute the info and have not cooperated with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: NJ
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 XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT FOR MYSELF AND THERE IS NO THIRD PARTY INVOLVED. 

I AM WRITING TO DELETE THE FOLLOWING INFORMATION FROM MY CONSUMER REPORTS. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT AUTHORIZE THESE CHANGES. I NEED THE ITEMS TO BE DELETED TO CORRECT MY CONSUMER FILES. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I HAVE ALSO ENCLOSED A COPY OF THE FEDERAL TRADE COMMISSION AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 got a notification saying that my credit score dropped over XXXX points. immediately upon reviewing my credit report I discovered fraudulent information being reported on my credit report. XXXX XXXX and XXXX XXXX reported a late payment on my credit! I have never missed any payments nor do I even recognize this account and information associated with it. I immediately called this company and reported this information as fraudulent. This company told me that I needed to dispute the info and have not cooperated with me!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
To whom this may concern, It has come to my attention that Equifax was lax in their securing of my personal credit and financial information from online theives, and when a breech in their system released my information ( I checked, and mine was taken ) they didnt alert me or make an announcement until much later when it was discovered. Before releasing the information about the people involved in the data breach, the executives also sold large shares of stock ( also verifyable )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 2022-05-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 : its 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 2019-12-20
Company: ID Analytics, Inc.
State: IL
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:
applied for XXXX  XXXX  credit card at the register in XXXX  XXXX  store.  Denied.  Attaced letter was sent as reason for denial....applicant reported as deceased....called Sagestream LLC 5times, left 5 messages and call was never returned.  Called XXXX  XXXX  who verified credit was pulled but had no idea why I was denied as I have a XXXX  account currently active with them.  Couldn't explain anything about Sagestream, how they work or why I was denied.  Representative told me over the phone that the attaced letter must be a scam and I should contact the social security administration to see if I've been reported as deceased. She told me XXXX  XXXX  has nothing to do with this and she couldn't help me.  Called SSA and everything looks fine.  I pulled my 3 credit Bureau reports same day and all looked fine that day however I'm not comfortable with Sagestream rep;orting me as deceased and XXXX XXXX telling me letter is a scam when I received it in response to their bank denying me credit for XXXX  XXXX  card. ( FYI  since I checked my credit reports I see the XXXX   XXXX/XXXX  XXXX inquiry has been removed).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company contacted me regarding an alleged debt that I do know owe. In the letter it states that I can not be sued for this debt because of the age. Therefore I demand that this company cease and desist contacting me regarding debt I do not owe and is not collectible and to not then sell this alleged debt to another company..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 pulled my credit report and found I had 2 late payments reporting on my XXXX XXXX Account. I contacted Transunion, XXXX  and XXXX   to ask them to investigate this error becuause per my records I was never late paying this account. I even contacted XXXX XXXX about this issue and was advised they would look into it and the error is still reporting on my credit profile. All 3 credit bureaus sent me back something stating these lates were in fact verified in which I asked for proof and sent proof that I wan in fact NEVER late.. To date these late payments are reporting and Negatively affecting the Lenders decision on giving me a loan for a mortgage.

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 2015-04-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Information withheld from me. Unauthorized access to my account. They wo n't tell me who and why it was done. My account I need to know

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
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:
I was impacted by the data breach at Equifax. My personal information, including my full name, social security number, and my date of birth, has been compromised. This could result in identity theft and impersonation attempts. 

https : //www.consumer.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
IN accordance with the Fair Credit Reporting Act XXXX Account Name : XXXX XXXX Account # XXXX, and Account Name : Online Information Services Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-10-18
Company: TekCollect Inc.
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
1. Tek Collect is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX XXXX XXXX XXXX with account number XXXX in the amount of {$530.00} ( the " Debt '' ). 
2. Sometime around XXXX XXXX, 2016, Tek Collect sent me a letter attempting to collect the alleged Debt. 
3. On or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting validation of the alleged Debt. In this letter, I stated that I paid the alleged debt in full. 
4. On XXXX XXXX, 2016 or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting that it cease and desist communication from with me since they were repeatedly calling me at work and did not comply with my verbal request to not call me at work. 
5. On or about XXXX XXXX, 2016, I obtained my XXXX credit file and noticed that Tek Collect reported the alleged Debt in the amount of {$530.00}. This stated that the date opened was XXXX XXXX, 2016, which is also false as I was first contacted by Defendant prior to XXXX XXXX, 2016. Further, Tek Collect did not flag the alleged Debt as disputed, in violation of the FDCPA. 
6. On or about XXXX XXXX, 2016, I obtained another XXXX credit file which again showed that Tek Collect reported an inaccurate balance of {$530.00}, an inaccurate opened date of XXXX XXXX, 2016 and it did not flag the account as in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: TN
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:
Im Accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency cannont Furnish a account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an opening consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Im getting daily emails and text messages stating that my PayPal account is at risk. I dont have a PayPal account and I never have I can send you photos of text message and the number attached I dont open your follow the link I just took a snapshot of it on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have had awful experiences with Navient including : Being signed up for forbearance 3 times, improper disbursement of payments, harassing phone calls at all hours of the day, all day, in excess of 10 times a day, to myself and my family that cosigned. I was never encouraged to enter a repayment program. Since learning about repayment programs, I attempted to enter an income based repayment program but was told I could not do so at the time. I also attempted to consolidate all of my loans together into one. They denied that request but went ahead and consolidated together a couple of my smaller loans which did not benefit me in any way. As a matter of fact, that consolidation hurt my credit significantly. When I challenged them about this consolidation they told me they could not do anything about it now. I then asked for the promissory note bearing my signature to this new consolidation loan ( which I knew did not exist because I would have never signed off on what they did ) and they assured me they would send it by mail. They never did ( of course not ) and I am not in any better place than I was before with my loans. As of writing this I owe {$100000.00} for an XXXX Degree I earned in XX/XX/XXXX. They took a systematic approach to increase my debt as much as possible since getting these loans in XX/XX/XXXX at every level. It has been a nightmare that has affected me at every point of my life. I continue to struggle to find my financial footing and have postponed many benchmark achievements in my life due to struggles over this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed my credit report had an open account for the amout of  XXXX , opened back in  XXXX , of  XXXX  i never open tye above account, also i disputed it with all  XXXX  credit reporting agencies. This account was open without my authorization. This account does n't belong to me. On  XXXX ,  XXXX   XXXX  after my dispute it was removed from all  XXXX  credit reports, and on  XXXX   XXXX ,  XXXX  the company reinserted the same account, and by law an once and item is removed from credit reports it can not be reinserted after 7 days

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 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 inaccurate and do not belong to me, please block and remove per XXXX XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a spam email by Netspend telling me I had signed up for their card on XX/XX/2021. I did not sign up for this service and was unable to cancel online. I have not and will not activate this card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: WELLS FARGO & COMPANY
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Wells Fargo Loans ( XXXX XXXX and XXXX ) were originated by Wells Fargo and its affiliates XXXX witjout my knowledge or consent. I tried repeatedly to inform Wells Fargo that the loan was not mine and that Innevercsigned fircduchba  loan. They responded repeatedly that the loan is valid. I have decided to file a police report ( attached ), completed a notorized identity theft package showing my writing samples and signatures ( ttached ). I am attching the origination documentation with original signatures and handwriting as provided to me by Wells and XXXX. It is clear that my signature and handwriting do not match the application. Wells knows the individual who committed the fraud and Wells are in contact with the party. The party has indicated to Wells repeatedly that they accept responsibility. Wells continues to hold me responsible and has left me no choice at times but to pay this fraudulent loan to protect my credit but I can no longer do do. I have spoken to Wells Executive office and filed the fraud package. Wells knowingly has a loan that was falsely originated and have collected against that loan from me unjustly even though they know the perpetrator of the fraud and now have proof that I did not originate the loan.

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 2022-05-15
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: Information belongs to someone else

Complaint:
My name is XXXX XXXXXXXX XXXX  XXXX. I am a victim of identity theft. These accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
My name is XXXX XXXX and I am a consumer/natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed 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 non-monetary relief
Consumer complaint received 2015-10-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have account with American Express Blue and they have refused to take a dispute regarding XXXX interest charges that change with date year and amount in every monthly statement I receive and each time can not explain why and refuse to take dispute interest charges amount to XXXX dollars this is not for the regular monthly interest charge on my credit card for example for this month XX/XX/XXXX a charge for the month of XXXX XXXX {$36.00} promotional interest charged and same monthly statement XXXX XXXX purchase charge XXXX each month same date year different amount in interest charged this has been going on for almost XXXX yrs and each time refuse to take dispute against own credit card company even though I have paid off balance in question this year XX/XX/XXXX

Company response to consumer: Closed with explanation