BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: DC
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:
All of my student loan accounts were paid in full as of XX/XX/22 and the credit agency refused to report a XXXX balance on all of them and mark them as paid. The last update they had was XX/XX/22. They did not update my file intentionally even after they were given proof of paid status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX OF XXXX Inquired on XX/XX/2022 __________________________ XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX __________________________ Equifax XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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:
Over thirty days ago, I wrote to each credit reporting agency ( XXXX, Equifax, & XXXX  ) indicating my dispute off information on my credit report on XX/XX/2021. A copy of the original letter accompanies this correspondence. as of today XX/XX/2021 XXXX, Equifax, & XXXX  have not responded to my dispute and therefore they must remove from my credit file all information disputesd in correspondence. under the FAIR CREDIT REPORTING ACT, XXXX, Equifax , & XXXX  had 30 days to complete their reinvestigations of disputed information. This 30 day mark has come and gone without any response from XXXX, Equifax, & XXXX. I am asking for the CFPB 'S assistance in the verification of the removal of the disputed data from my credit report. please send to my address provided at no cost to mean updated credit report at no cost to me as proof that these items have been removed completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: J J Marshall & Associates, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan company, NationStar has not completed the following:1 ) Credited me my {$5000.00} incentive per Dodd Frank for making XXXX years of on time mortgage payments. 
2 ) Never provided me a copy of loan modification agreement at all especially XXXX with an adjustable rate. 
3 ) Never provided me paperwork showing I agreed to an adjustable rate. .. no regulation Z provided

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Upstart Holdings, Inc.
State: AR
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:
To Whom It May Concern, It was recently brought to my attention that Upstart had reported a late payment in XXXX of this year. I did not know about the late fee reporting because it does not display as late on my customer dashboard. However, this dispute is not about my customer dashboard being incorrect. In fact, my customer dashboard is correct. 

I entered into a hardship plan and Upstart deferred my XXXX, XXXX, and XXXX payments. This dispute is because Upstart should not have reported a 30-days late payment to the credit bureaus because there was no XXXX payment. This payment was deferred. I have a copy of my hardship plan along with screenshots of my customer dashboard, which clear shows : 1. The XX/XX/2021 payment was deferred 2. There are no late payments on my account. 

I have talked to an Upstart agent over the phone and sent two emails requesting the removal of the incorrect 30-days late reporting. Upstart has refused to remove the incorrect late reporting. They suggested I report the dispute to the credit bureaus, which I have done. XXXX has approved my dispute and removed the late fee reporting from their records. I am awating XXXX 's decision and XXXX will take longer because I had to mail in my backup ( their online customer portal was down ). 

I XXXX for a living, so it is easy for me to provide backup for my dispute. I can only imagine how frustrating this must be for someone who does not have the " ease '' of disputing an incorrect reporting. 

I have also submitted a complaint with the XXXX and now CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: NATIONSTAR MORTGAGE LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The company that purchased my mortgage ( NATIONSTAR ) refuses to appropriate my extra payments as I direct them to. When I make extra, principal-only payments, they always take out interest. I have to call them XXXX a month to beg for them to change it. It takes a lot of time and I feel they are harassing and intimidating me ; or trying to wear me down. My checks specifically say principal only on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
We are in the process of buying a house. And we need to send the earnest money to the title company by a certain day ( XXXX XX/XX/2023 ). On that day, we called Goldman Sachs and asked to do a wire transfer. Their website says ACH may take 1-3 days. But if you are in a hurry, you can do a wire transfer which can be processed by XXXX ET on the same day. The next day when we checked the status of the wire transfer, we found out it had been put in a queue. And we were told itd take 1-3 business days for this to go through. It was already past our deadline. We could lose the house because of this. We made multiple calls to try to get to the bottom of this. We were told it had been expedited and they wouldnt tell us when the transaction would go through. They still gave us the 1-3 business day line. We tried to talk to two of their managers ( XXXX and XXXX ) who were both extremely rude and arrogant. XXXX even hang up on us. If you dont do what you advertise on our website, then whats the point? As a company, you lost all the credibility with us. Well move our business elsewhere. By the way, theres a case number on this, XXXX. I dont trust them to keep it though.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX OHIO XXXX. 

INACCURATE ADDRESSES ARE BEING REPORTED TO MY XXXX CREDIT ACCOUNT SUCH AS XXXX XXXX XXXX XXXX Ohio XXXX and also XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX I NO LONGER WORK AT THE JOBS XXXX AND XXXX XXXX XXXX BEING REPORTED TO MY EXPERIAN ACCOUNT. 

ALSO ON MY EQUIFAX ACCOUNT XXXX XXXX XXXX XXXX OHIO XXXX IS BEING REPORTED WHICH IS INACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received a letter letting me know that this company was attempting to collect a debt. I got a few years ago and my last name has changed. I sent in a letter via mail for debt validation and I called the company. 

Also, Jefferson Capital is not licensed to collect in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Experian Information Solutions Inc.
State: IL
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:
THIS COMPLAINT SUNMITTEF BY XXXX XXXX PERSONALLY IVE BEEN EXPERIENCING A GLASS CEILING WITH MY CREDIT SCORE FOR YEARS SINCE MY XXXX XXXX. I HAVE RE-ESTABLISHED NEW CREDIT IN ADDITION TO MANY GOOD ( PAID ) OLDER ACCOUNTS THREW HARD WORK & LONG HOURS. HERE ARE PRIME EXAMPLES WHY : XXXX. XXXX ( XXXX ) BAL IS XXXX WITH A XXXX AVAILABLE CREDIT XXXX. XXXX ( XXXX ) IS OPEN NOT CLOSED. HAS NEVER BEEN CLOSED! IT HAS A XXXX CREDIT LIMIT WITH XXXX XXXX XXXX. XXXX ( XXXX ) HAD XXXX AVAILABLE CREDIT ALSO WITH XXXX BAL. EXPERIAN SHOWING SAME ACCOUNT 2X. ONE OPEN & ONE CLOSED. ACCOUNT IS OPEN. IT TOO WAS NEVER CLOSED ALIKE XXXX! 

IN CONCLUSION : IT APPEARS MY SCORING FACTORS SUCH AS CREDIT USAGE, DEBT TO INCOME RATION & AVAILABLE CREDIT IS BEING DERAILED BY MY ACCOUNTS, BALANCES & PAYMENT HISTORY KEEP ARBITRARY COMING UP CLOSED WHEN I PAY THEM DOWN!

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 2015-08-24
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am asking for some assistance regarding the property next to my primary residence. It is currently abandoned. My wife and I assisted the XXXX elderly XXXX american residents for the past XXXX years. Both recently passed. Upon their passing we learned that they had acquired a reverse mortgage from Champion Mortgage. As I understand it upon passing of the last resident the total amount of the mortgage is due. According to public documents my neighbors prepared a beneficiary deed naming XXXX women. Both are apparently unable to payoff the mortgage and have not been seen since the passing of our neighbors. I have been taking care of the property because the mortgage company shows no interest in upkeep. Repeated calls to Champion mortgage go unanswered. I am interested in finding out what is going on with this property since bills and delinquent notices are piling up on the front porch. This has been going on for more than XXXX months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
*Since XXXX, I am still " fighting '' with Nationstar regarding this mortgage ; they will not comply to the financial security standards as binding by Frank & Dodd Law . After fighting with them for two years when I overcame an illegal foreclosure in XXXX XXXX for filing a CFPB claim ; forging modifications documents ; I ward off another illegal modification and became current, and STILL NATIONSTAR IS CLAIMING MORTGAGE IN THE REAR! 

I had to pay {$6200.00} by XXXX/XXXX/XXXX to be reinstated ; it will not include the XXXX mortgage. An electronic transfer was submitted in the amount of {$6000.00} with a promise for the balance of the {$250.00} to be paid within 90-days. I have attached the payments for XXXX, XXXX, XXXX, XXXX, and XXXX. I have also attached Nationstar website claiming I owe them for XXXX. 

I have forwarded through their webpage multiple inquiries ... .with no response other than to call them. I want a written response no verbal. 

I have forwarded a separate electronic email transmission via worksite with receipt confirmation ... ..still no response other than to call them. I want a written response, no verbal. 

I have submitted a copy of the bank check for XXXX XXXX, and the XXXX other electronic payment processing documents for their validation, but they have not reconcile with the reinstatement documents with the amount {$5100.00}, which would leave my account current up to XXXX XXXX. 


These are harassment tactics that consumer should not have to endure because Nationstar bought her contract ... ..I DID NOT SEEK OUT NATIONSTAR. I DID NOT CHOOSE THEM AS MY LENDER. THEY WERE FORCED ON ME. Now, that the property is still underwater I can not refinance this property, but I will when the opportunity arise! Until that time, GOVERNMENT REGULATOR GET THIS DOGS OFF ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2015-08-23
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I refinanced my FHA mortgage to XXXX XXXX XXXX. The refinance resulted in ARM of more that 10 %. My payment went from {$1300.00} to {$1900.00}. Within 4 months of the refinance with XXXX, I received notification that loans servicer was transferred to XXXX XXXX XXXX. In XX/XX/XXXX, I sought XXXX 's assistance and received a loan modification which converted my ARM to a fixed rate of 5.125 %. I had a hardship in XX/XX/XXXX and obtained a modification agreement requiring a trial period of 3 months. Due to another hardship in XX/XX/XXXX I obtained another modification which required a trial period on XXXX payments. I made the first 2 payments timely however failed to make the third payment by the due date. This was because my wages were being garnished at the time of the trial period. Nationstar returned the 2 payments. Later in XX/XX/XXXX I contacted Nationstar to ask if I could re-apply for a modification. I was informed that I was able to re-apply. I reapplied and was granted an in-house modification rather than a HAMP Tier I or HAMP Tier II. I was denied the HAMP Tier I because I received the maximum number of modifications permitted under the modification program. However, I dispute this because I was not granted a modification in XX/XX/XXXX due to my failure to make all the payments on time during the trial period. Further, I have concerns about the initial integrity of the XXXX XXXX XXXX. Lastly, I did not experience any reduction in my mortgage payment through any of the modifications offered by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, 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:
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/. 

XX/XX/XXXX  Certified Mail Tracking number:XXXX XX/XX/XXXX  Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking number:XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX I Account Number : XXXX 2.Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX 3.Account Name : XXXX- XXXX XXXX  Account Number : XXXX 4. Account Name : XXXX XXXX XXXX Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-03-13
Company: Experian Information Solutions Inc.
State: VA
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:
HI 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 explanation