BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: NV
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:
I have XXXX inquiries on my credit report that I did not authorize, I do not have a connected account, and I did not apply for any products with these companies. These items are as follows : XXXX XXXX Bank XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry I have no credit cards , credit lines, Automobile loans, or any association with these inquiries.

I am writing to demand the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609. 

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly.

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings.

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence.

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

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

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 2023-06-29
Company: Experian Information Solutions Inc.
State: IN
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:
I told XXXX to reinvestigate XXXX XXXX account on XX/XX/XXXX, XXXX.They stated everything was accurate and completed on XX/XX/2023. How is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 604 A section 2 states that a consumer reporting agency can not furnish a account without my written instructions. I asked XXXX XXXX serval times of date of last reported, date of last activity, payoff disclosure, credit insurance, interest rate. And the original contract with my signed signature on it according to the FCRA LAWS pertaining to my credit report. I did not receive anything from 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 2021-09-30
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX has and is still reporting inaccurate late payments on two of my 8 student loans. All of which, are linked to the same account and repayment plan. I have always been on the income driven repayment plan since I have been out of school. My payments are {$0.00} per month and have always been. They are reporting inaccurate payments owed per month, interest, account balances, high balances, and refuse to correct the inaccurate late payments on two of my student loans. I have requested proof via letter to Experian and never received anything.

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 2021-02-23
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: Information belongs to someone else

Complaint:
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : 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, XXXXXXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have taken the necessary steps to address this issue by reporting the presence of false information. Being a victim of identity theft, I have experienced significant stress and financial hardship due to the inclusion of products that are not mine and for which I am not responsible. Failure to handle this complaint appropriately may result in legal action. These false and fraudulent entries on my consumer report have hindered my ability to afford my desired vehicle and support my family.

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 2021-12-17
Company: SECURITY FINANCE CORP
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with fraud alerts or security freezes

Complaint:
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.

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 2019-03-22
Company: Recovco Mortgage Management, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
RECOVCO Aside from the entire loan process with RECOVCO being disorganized and last minute with, their unrealistic last minute requirements ( Audited and signed business accounts and statements ), or the failure to complete a product 1 weeks from the close date. Underwriting would not approve the load which was easily pre-qualified for. They changed the loan to another type of loan ( using my personal Business bank Statements ) which hikes up my interest rate 1.4 points to 6.37 % - costing me over $ 1000/mo in payments. I feel that was predatory lending and I had to just take it or risk losing the house altogether I received my XXXX for for tax purposes yesterday XX/XX/XXXX. Luckily With my personal and businesses taxes ( due XX/XX/XXXX ) I filed an extension with the IRS. The cost savings with this late XXXX with mortgage deductions and deductible points, my tax liability was reduced by nearly {$5000.00}. I understand that it is law that all tax forms must be mailed out by XX/XX/XXXX. I can not help but feel that RECOVCO, out of some sort of malice or total incompetence, sent the XXXX out late. I also feel they purposely mislead me if the original loan was not going to to go through and expected all along to put my in a higher rate more costly loan. I would like to re-finance but I can not for one year. RECOVCO sold the loan the day of my close of escro. Essentially paying $ XXXX, primarily in interest for the first year to a company i feel cheated me out of that lower interest rate. 

I can attache photo of bar code on the mail, to prove the date scanned by the post office if that is required upon request, i left the envelope at home

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In according with the fair Credit Reporting Act XXXX  Account # XXXX, NAME : 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 furbish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Dealer XXXX XXXX XXXX ( XXXX, FL. ) ( * ) intentionally and fraudulently misrepresented buyer contract down-payment figures on a vehicle loan amount in order to desperately secure a loan from financier XXXX XXXX XXXX XXXX XXXX, CA. ). 

The consumer/ buyer notified XXXX XXXX of the fraud and a investigation by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was launched. 

On or around XX/XX/2021 I had phone conversations with XXXX XXXX XXXX XXXX XXXX ) who confirmed that XXXX XXXX XXXX had demanded ( dealer ) XXXX XXXX XXXX 'RE-PURCHASE ' the loan. 

Since that time XXXX XXXX XXXX has refused my request for a copy of this demand letter and has reported the contents of the loan as accurate to all ( XXXX ) credit reporting bureaus. 

( * ) Reported that I submitted ( {$7000.00} ) dollar down-payment when in fact I only submitted ( {$3500.00} I don't believe I should be held liable for intentional misrepresentation and fraud in a fradulent contract.

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 2023-07-27
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them 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
Consumer complaint received 2023-01-07
Company: Westcreek Financial
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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I, XXXX XXXX entered a consumer credit card transaction with XXXX XXXXXXXX and in XXXX  sold my private information to Portfolio Recovery Associates LLC. Pursuant 15 USC 6802b XXXX XXXX never disclosed to me that I had the option to opt out of this transaction being reported. My social security number is an open-ended credit plan. Pursuant 15 USC 1692g I am the original creditor, natural person, private individual of this account. 15 USC 1602d the term " organization '' means corporation, government, governmental subdivision or agency, trust, estate, partnership, cooperative, or association, XXXX XXXX is a corporation. XXXX XXXX also reported this transaction to a consumer reporting agency which is a violation of 15 USC 1681. This credit arose from a credit card which is supposed to be excluded from my consumer report. My account was sold to a third party without my consent or my permission. As a natural person/ private individual, how can a corporation/ legal person sell or report my private information to a third party without my permission or my consent? Without my written permission it is Identity theft. Portfolio Recovery Association LLC has violated my rights as a Federally Protected Consumer. Several Federal laws under XXXX XXXX XXXX & XXXX XXXX XXXX have been violated and are noted in my Exhibits. I will also be reporting this identity theft to the FTC as well as the state attorney general 's office. Also, each violation is a fine {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize these accounts 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 2017-01-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
For three years we have made numerous requests for monthly mortgage statements in order to keep track of our account. It seems only right to have this information so we can verify that Nationstar, our loan Servicer is treating us fairly and equitably but they have never complied. A few days ago our fear of being a victim of a mortgage servicing fiasco has materialized when we received an Annual Escrow Account Disclosure Statement showing a escrow reserve shortage of {$5100.00} from our loan servicer. Immediately after receiving the aforementioned disclosure, my wife placed a call to Nationstar and spoke to XXXX, a customer service agent and asked why Nationstar is claiming we have a escrow account shortage. XXXX was unable to answer the question so my wife then asked her for a record of our complete payment history since Nationstar took over the servicing of our account three years ago. XXXX was kind enough to e-mail us a computer printout of our payment history which is attached to this complaint. 
Inexplicably, the printout does not include a running balance for our escrow impounds however, it does show the running declining principal balance which is significantly skewed in Nationstar 's favor due to their not having applied a substantial portion of the payments they received from us to the principal balance and or escrow impound despite the payments amounts being confirmed the in the attached Nationstar Loan History Transaction Report. 
Upon review, this printout clearly and unambiguously reveals that Nationstar has systematically received our payments but has not credited our account in the monthly amount of {$240.00} which we have made in addition to our regular monthly payment for the last three years. Instead they have labeled these payments as " PMT-MISC '' and given no indication whatsoever as to the disposition of where the funds went. 
Additionally, Nationstar has not credited to our account the full amount of our regular monthly mortgage payments we have made in the amount of XXXX each and every month since XX/XX/2014. Instead, Nationstar is crediting us only {$2700.00} calling it a " MISC ADJUSTMENT '' which is a shortage of {$110.00} that was not credited to my account every single month since XX/XX/2014. Effectively, between the two regular monthly payments we make to Nationstar they have shorted us {$360.00} every single month for the last three years totaling {$13000.00} that has not been applied to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-29
Company: SYNCHRONY FINANCIAL
State: NY
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:
On XX/XX/2021, I called XXXX to open a new phone line. They sent me several online forms to fill out to open the line. Unbeknownst to me, one of these forms was a credit card application for a XXXX XXXX Card through Synchrony Bank. I never asked for this application, no one told me they were sending me a credit card application and it was not clearly labeled as a card application. Once I submitted, it said I was approved for a credit card. I immediately called XXXX and told them I hadnt meant to apply for this card, that their solicitation was deceptive and that I wanted them to cancel my application and remove any associated inquiry from my credit report. The person with whom I spoke said that they had resolved this, but today I received the card and the inquiry is still on my 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 2024-01-04
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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