BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: LJ Ross Associates
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX i informed XXXX XXXX XXXX XXXX also the credit bureaus that my identity was stolen and my information have been compromised into several data breaches and also someone fraudulent accounts have been opened without my knowledge they said they will investigate and they claim they did but i dont have a resolution into this matter under the fcra it states 15 U.S Code 1681s-2 a person or company shall not furnish any information relating to a consumer to any consumer reporting agency if the information is inaccurate i would like these fraudulent accounts removed please because its hurting my credit profile and effecting my ability to take care of my family i filed a police report the police report number XXXX i even sent them copies of the report and have supporting documents and they claim after the investigation everything true and accurate also i have cleared up the matters with XXXX  but XXXX  is still reporting it on my credit reports XXXX  and XXXX  removed it already also i informed the credit bureaus about an unauthorized inquiry i found on my report told them to remove it but its still on my credit report

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: AL
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 XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
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 explanation
Consumer complaint received 2021-03-18
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have learned that my husband and I received the fraudulent mortgage loan. On or about XX/XX/2016, we used the same servicer, Nationstar Mortgage LLC to apply for a mortgage refinance under the federal government 's Home Affordable Refinance Program ( " HARP '' ). Nationstar failed to comply with numerous requirements of the HARP Guideline for the HARP mortgage transaction as following : The proceeds of the refinance mortgage must be used only to : 1. Pay off the first Mortgage ( amount including only the XXXX and interest accrued through the date the Mortgage being refinanced is paid off ) 2. The proceeds from the mortgage after the proceeds are applied as described above must reduce the mortgage or the excess amount must be applied as a principal curtailment to the HARP mortgage. 
3. Under no circumstances may cash disbursed to the Borrower exceed {$250.00}. 

Upon my request, Nationstar provided me with a " FOR INTERNAL USE ONLY '' payoff statement showing the interest rate of 3.375 %. Loan Officer, XXXX XXXX added the inconsistent interest due of {$1500.00} to the XXXX of {$280000.00} to be paid off. The HARP mortgage transaction was executed on XX/XX/2016 and originated Loan on XX/XX/2016. 

Unbeknownst to us, on XX/XX/2016 Nationstar cut down the interest due to {$1300.00} and funded its own total payoff amount which resulted in the excess proceeds. Per the HARP guideline, the proceeds of the refinance mortgage must be used to pay off only the XXXX and interest accrued through the date the mortgage being refinanced is paid off and the excess proceeds must apply to reduce the mortgage or the HARP mortgage. Mr. XXXX failed to apply the excess proceeds to the mortgage, or the HARP mortgage. 

On XX/XX/2016, Mr. XXXX had us signed the corrected closing disclosure specifying the changes to prepaid costs. He failed to disclose the actual changes to payoffs. Nationstar disbursed the cash of {$280.00} in XX/XX/2016 which exceeded {$250.00} per the XXXX XXXX HARP guideline. Nationstar provided us with the unreduced HARP loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Affirm Holdings, Inc
State: NY
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:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( XXXX  ) ( XXXX  ) ( AFFIRM ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Phoenix Financial Services LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously disputed this debt as I was provided with my medical bill but not my signed hipaa release of information. The company stated they had proper authorization. The next day they reported the same debt on my credit report as a duplicate causing my credit score to drop drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Fidelity National Information Services, Inc. (FNIS)
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:
At the beginning of I XXXX, I found out about this credit reporting agency chex systems. And since Ive previously been a victim of identity theft, I decided to see what they were reporting. Upon request of my report I noticed some accounts have been open in my name that I didnt recognize/authorize and some inquiries for my report that I didnt recognize/authorize. So I filled a police report ( temporary # XXXX ) and I called ChexSystem and informed them that I was a victim of identity theft. Informed them of just a few of their many violations of : *15 U.S. Code 1681s2 ( a ) *15 U.S. Code 1681b ( 2 ) *15 U.S. Code 6801 *18 U.S. Code 1028A Because you are PROHIBITED BY LAW to furnish inaccurate information.

*15 U.S. Code 1681s2 ( a ) So I demanded they Cease and Desist the reporting of incorrect/ inaccurate information immediately.

And I demanded to see verifiable proof ( ie : an original consumer contract with my signature on it ) and/or a Certification from the creditor that certified the accuracy and completeness of the information/alleged accounts.

*15 USC 1681e- ( b ) I explained that I did not give them any expressed permission or permissible purpose to report any of the information of these alleged accounts or of any account for that matter.

*15 U.S. Code 1681b ( 2 ) I informed them of the obligation that financial institutions have to provide me with my disclosures of personal information before disclosing any of my private information. And explained that I have not received any disclosure yet so they are reporting information that I gave no permission to disclose.

*15 U.S. Code 6802 And because they cant provide the validation of the certification of the permissible purpose document that you should have certified before selling my report. They committed Aggravated identity theft of my information.

*18 U.S. Code 1028 They have yet to cease and desists of the reporting of these inaccurate alleged accounts or any of the unauthorized inquiries.

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 2022-10-06
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:
Im accordance with the fair credit reporting act XXXX  account # XXXX Has violated my rights. 

15 u.s.c. 1681 section 602 A states I have a right to privacy.

15 u.s.c. 1681 section 604 A section 2 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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$66000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$14000.00}.

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 2017-05-10
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian is reporting the following incorrect names :  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  Experian is reporting the following incorrect SSN :  XXXX  Experian is reporting the following incorrect addresses :  XXXX   XXXX   XXXX  #  XXXX    XXXX   XXXX  , NJ  XXXX   XXXX   XXXX   XXXX   XXXX , NJ  XXXX   XXXX   XXXX   XXXX   XXXX , NJ  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   NJ  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 2021-03-22
Company: Avant Holding Company, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was approved for a loan by Avant for XX/XX/XXXX for {$4700.00}. During this time, I've made timely payments. I have not been late but have been marked as late by the timing of the due payments installments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The account has been paid in full by XX/XX/XXXX but has 3 late payments. I've tried several attempts to have Avant correct the payments as well as dispute the erroneous information with the 3 credit bureaus. Avant has not made any attempts to correct this and " validated '' the late payments although they were made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2023, bankruptcy as filed and XXXX XXXX was included in debt. XXXX XXXX was notified of bankruptcy status via email and mail but still continued to take funds from bank accounts in XXXX, XXXX, and XXXX. In XX/XX/2023, bankruptcy was XXXX and XXXX XXXX continued to initiate ACH transactions with banks. Stop payments were applied to all accounts. In XXXX, XXXX and XX/XX/2023, XXXX XXXX were continued to be notified via email, mail with cease and desist letters, and even contacted via phone. XXXX XXXX continued to threaten me with XXXX point drops on my credit if I did not pay the balance that was included in bankruptcy. XXXX XXXX continued to initiate ACH transactions from stop payment banks by changing names on all transactions.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$420.00} ; XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/XXXX I submitted a dispute to Equifax in reference to some unauthorized inquiries on my credit report. I have a fraud alert as well as a police report on file with Equifax. The sent me the results the same day stating the inquires are indeed done by me. 

They couldn't have investigated that and got results in 1 day. I have a right to a valid investigation and Equifax has refused to do so. 

The inquires are listed below : 1. XX/XX/XXXXXXXX XXXX  2. XX/XX/XXXX XXXX XXXX XXXX XXXX 3. XX/XX/XXXX XXXX XXXX XXXX XXXX 4. XX/XX/XXXX XXXX 5. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 6. XX/XX/XXXXXXXX XXXX 7. XX/XX/XXXXXXXX XXXX 8. XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-15
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I received a letter from the IRS stating I owe XXXX. I call the IRS to get more information about these claims that wasnt me. Then I called Square to get more information they said it wasnt them and sent me a email stating it was Cash App. I called Cash App and now Im getting the runaround I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
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 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, has violated my rights. 

15 U.S.C 1618 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it XXXX  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 2023-12-15
Company: Experian Information Solutions Inc.
State: NY
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX : {$4400.00}

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