BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: Equity Settlement Services, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Individual from XXXX XXXX XXXX  ( individual A ) from Equity Settlement Services, Law office of Puleo Delisle , PLLC. was working on my closing documents. There were some documents that needed another partys ( party B ) signature. I told A specifically to separate the documents and to send only those documents that needed Bs signature to B. I confirmed this with A 3 times to make sure he would do that. A said that he would separate and send only the documents that needed Bs signature to avoid any confusion. When I saw the email A sent, it had all the documents in there which had all of my personal and highly sensitive information like my personal bank account which should not have been sent to B without my consent. This is unacceptable. When I questioned A on why he did so he said he can not be in the middle of it. On top of that, A ignored all my phone calls and responded to me through the customer service representative that he wont pick up and cant speak to me about my file anymore. I can not believe how unprofessional and cowardly A is. He should be removed from his position due to his reckless, unacceptable service and the company should be held accountable for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Names, address, XXXX XXXX - false reporting Wrong date, wrong amount, reporting late, Most of my information is in XXXX. And credit reporting companies are saying information is correct without providing me any proof of investigation. Also reporting wrong personal information and not wanting to correct it when I called multiple times and mailed out many dispute letters via usps. All 3 credit bureau is not fix my concerns.

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 2015-09-02
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender Nation Star changed the locks on my house with all my belongings inside before they were legally able to take over my house due to foreclosure. They never followed the eviction process required by the state. Also it is my belief that the house was rightfully mine until XXXX XXXX. Please see attached documents in order to review foreclosure details. After contacting the bank it took over a month to be able to re enter my home. Once I got into my house I found that all my valuables were missing\stolen. When I contacted the bank to report the issue they referred me to XXXX which is their property preservation team. XXXX then instructed me to file a claim through them. In order to file a claim I had to file a police report. Once I filed the police report the officer stated he closed the investigation per XXXX direction as stated in the police report attached. After a long period of calls and emails XXXX finally got back to me stating they questioned their employees and they had not taken anything. There was nothing further they could do and I would not receive any compensation for my valuables or early eviction. I then contacted Nation Star which in turn has also stated there is nothing they can do to rectify the situation. I have lost a total of {$50000.00} in personal property due to this wrongful eviction and theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
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:
In accordance with the Credit Reporting Act XXXX Account reported by XXXX XXXX XXXX reported for the months of XX/XX/2018 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on auto loan account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: EQUIFAX, INC.
State: FL
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:
This is now my second request for your agencies to remove two items that I am not responsible for I have request prior and they are still listed There are two accounts that do NOT belong to me which are XXXX/XXXX # XXXX XXXX XXXX # XXXX I am NOT liable for these two accounts these need to be removed off of my personal credit file. 

I have already mailed two request also this needs to be addressed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Navient Solutions, LLC.
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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Genesis FS Card Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
started receiving calls approximately a week ago from a company Called the XXXX XXXX located in California. Tel number ( XXXX ) XXXX from a XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX They are trying to collect a debt that they say i owe in the amount of over {$1000.00} which is not even close to the charge off amount by the bank. I contacted the bank today to find out that the account was sold to someone else. During this time, there has been possible fraud on my social security number and drivers license information all within the same time period. In the meantime, i have freezed all credit reports and placed a fraud alert on my records. 
They claim that i have been mailed collection letters which to date, i have not received and they also promised that they would send me an email to collect because they do not want to use paper because electronic files work best for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Experian Information Solutions 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 XX/XX/2023 Bank XXXX XXXX XX/XX/2023 Capital XXXX XX/XX/2023 JPMCB CARD XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair/correct the accounts listed below : 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: W&A Intermediate Co., LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates has reported an inaccurate debt to my credit report. On XX/XX/2018 I had an ambulance take me to the hospital. I had insurance that would cover that ride. XXXX XXXX Ca filed a claim with XXXX XXXX on this ambulance ride. But XXXX XXXX provided my name wrong and my DOB wrong. Because of this my claim was denied on XXXX XXXX. XXXX XXXX never notified me on the denied claim. Five years later its up for collections. This is affecting me now that am trying to buy a home. I had insurance XXXX XXXX made mistake and now am getting negative credit report because of their mistake. I had both XXXX and now XXXX XXXX XXXX who bought Paramedic logistics out talk. XXXX will review the claim and possibly pay it. But in the mean time it is affecting my credit I would like this removed immediately because their misstates shouldnt be my fault or effect me in any way. Please consider this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.

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 2023-06-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am writing to dispute any responsibility for the fraudulent activity that occurred on my Chase Bank account. I recently discovered unauthorized transactions on my account, and it is imperative to clarify that I have taken appropriate measures to safeguard my account information and have not engaged in any fraudulent activities. I believe this incident is a result of a security breach or unauthorized access to my account. 
I have consistently maintained secure practices to protect my account information, including safeguarding my account credentials, utilizing unique and robust passwords, and regularly monitoring my account activity. Therefore, any unauthorized transactions are a clear indication of an external breach. Upon reviewing my account statements, I noticed several transactions that I did not initiate or authorize. As soon as I identified the fraudulent activity, I promptly contacted Chase Bank 's customer support to report the unauthorized transactions and initiate the necessary actions to secure my account. This demonstrates my commitment to resolving the issue and minimizing any potential damages. I am fully prepared to cooperate with Chase Bank 's investigation by providing any additional information, supporting documentation, or evidence that may assist in identifying the fraudulent activity and ensuring a swift resolution. Based on the aforementioned circumstances, I firmly believe that I should not be held liable for the fraudulent transactions on my account. As a trusted banking institution, I expect Chase Bank to thoroughly investigate this matter and take appropriate measures to rectify the situation promptly. I kindly request that you keep me informed throughout the investigation process and provide regular updates on the status of my complaint. I appreciate your immediate attention to this matter, as it is crucial to resolve this issue and restore the integrity of my account. I have always been a satisfied customer of Chase Bank and trust that you will handle this case with the utmost professionalism and commitment to customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I contacted capital one and told them I made an uninformed decision regarding this consumer credit transaction. I informed violated my rights are a consumer and that Im Disputing validation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CREDIT ACCEPTANCE CORPORATION
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 have been calling to try to get some consumer inquires off of my consumer report. Someone was trying to obtain a car in my name during the pandemic. Now the inquires are still on the account, which is a negative affect on my life currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-05-03
Company: EQUIFAX, INC.
State: OH
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:
There are inquiries on my credit report from results of a data breach or identity theft. These are the dates of accounts on my XXXX credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These are the dates and accounts on my Equifax profile XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX is reporting a late or missed payment when i never missed a payment the loan has 2 payments until paid off i have submitted disputes with the credit agencies and XXXX XXXX says veried when i have proof of two payments made in the month of XXXX and XXXX this needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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 have this XXXX XXXX in my collections. I got them removed from XXXX and all other reporting agencies for some reason it is still on my transunion, they keep calling me i do not owe them any money. I have no idea what they are talking about. They call non stop. I have tried to explain to them to show me paperwork as they have the wrong person. My latest phone call with them was on XX/XX/2022. This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: EQUIFAX, 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:
This is ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Where does it state that late payments should be legally reported on consumers Credit report in the Consumer laws. 
Do you have proof in the law that late payments are legal and lawful on consumers credit report If its an open ended credit, Finance Charge is the sum of all charges Was the orinal contract fair, Clear, Conspiciouse, Proveded full disclosures of the Finance Charge, Holder in Due Course 6000 rule.

Wet Signiture Notarized Legal in the first place

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$24000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-23
Company: ID Analytics, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XXXX XXXX I applied at a XXXX XXXX store to open a new credit card account. 
I keep being told that I already have a account which I did but that account was closed and discharged by chapter 7 on XXXX XXXX. 
I got a letter from XXXX  that I had a credit freeze on my sagesteram credit bureau ( which I never heard of until today ) I called sagestream to correct this and was not able to resolve this issue ( kept getting referred to internet ) I was not able to resovle this issue there. I never to my knowledge placed a credit freeze with sagesteam. 
I spoke to a accounts person ( jenniefer ) at XXXX about this issue and they keep telling me they can not do anything about it. 
XXXX  was extremly rude to me on the phone

Company response to consumer: Closed with explanation