BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: LA
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 spoke to Equifax today in regards to the validation of an account with XXXX XXXX XXXX XXXX and I have the call recorded with the agent, He said the dispute is closed and verified as mine. I requested in my dispute the documents that XXXXXXXX XXXX provide verifying the account, and he said to me that he ( Equifax ) can not send me that documentation from the lender i.e the document that I asked for in my dispute to verify and or validate the debt that they are reporting on my file. which is in violation of the FDCPA, By Equifax not providing this documentation this account should be removed immediately from my file because it has been more than 30 days since filing this second dispute. Also they are not allowing me automated access to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: Genesis FS Card Services, Inc.
State: CT
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 never apply to this bank or gave them permission to use my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX XXXX my mortgage was sold to Nationstar Mortgage. On XXXX XXXX XXXX I sent a letter of financial hardship to Nationstar describing the fraudulent circumstances that were induced upon me at the signing of my closing documents. 

On XXXX XXXX XXXX XXXX XXXX XXXX of Nationstar replied to my complaint to both Nationstar and the CFPB by stating simply, " We have conducted an investigation, and it was determined the error asserted within your correspondence did not occur on the account. Please be advised Nationstar can not attest to the prior servicer 's actions, including their origination, underwriting, or lending processes. XXXX XXXX then threatened me with the full impact of the sales contract stating, " we will continue to service the loans in accordance with the valid, binding documents that you signed at the time of origination. '' I replied to both XXXX XXXX XXXX XXXX with citations and an Error Resolution Notice under 12 C.F.R. 1024.35. I then supplied additional documentation from the XXXX XXXX XXXX XXXX XXXX in addition to two separate professional opinions of the site description on the property for a re-assessment of my complaint. 

XXXX XXXX of Nationstar contacted me in XXXX of XXXX to say that my case had been escalated and they would be conducting their own internal investigation into the fraud allegations. XXXX XXXX contacted me shortly afterwards and told me the internal investigation confirmed my fraud allegations after escalations reviewed my case in detail and they would then approach XXXX XXXX with their findings. 

On XXXX XXXX XXXX XXXX XXXX XXXX XXXX e-mailed me with the decision of Nationstar to fully enforce my mortgage contract despite the open records documentation of the fraud that has been confirmed and supported when initiating and servicing my residential mortgage contract, XXXX XXXX replied to my complaint saying there is nothing he can do for me. 

Specifically XXXX XXXX replied saying, " They realize an error was made '' however as they are not the investor they can not help me further and will enforce any and all contractual obligations that have been imposed upon me by the now defunct XXXX XXXX XXXX that was put out of business by the FBI for fraud in XXXX. 

I am XXXX and my XXXX was established in XXXX. As we are associated with the XXXX my business has survived however as of the XX/XX/XXXX and more recently for all of XXXX I am no longer able to receive a paycheck and my savings has depleted to the point of desperation. 

I am seeking a Loan Reduction to equate to the value of equity that was and still is being grafted from me and my family for the remaining balance of this loan. XXXX excessive taxas, closing costs, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: FL
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 sent a letter off on XX/XX/2022. Here is my tracking # XXXX to remove personal information that I dont want on my credit report. According to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, No financial institution is not supposed to share my personal information to third party people. These are clear violation of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: American First Finance, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute a fraudulent account on my report. I am a victim of identity theft, and I did not make [ this/these ] charge ( s ). I request that you remove the fraudulent charge ( s ) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you cease reporting the inaccurate information to all of the nationwide credit reporting agencies ( CRAs ) to which you provided it. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter and send me a written explanation of your findings and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I wrote to Experian, XXXX, XXXX requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. I still have not have not received any form of communication regarding they matter.

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 2023-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft and have filed the correct paperwork according to the FCRA. The FTC report is not being field correctly and attached to my disputes. I am not getting copies of the verification process. The reps on the phone do not speak English correctly and do not do what they are supposed to do.

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: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Following up my latest complaint with CapitalOne which ended in receiving my money at a date over 30 days behind the maturity of my 90 days instrument- Im encountered embarrassing times of denial of accepting my Quick Silver Card while shopping. 

By trying to find an explanation by calling CapitalOne, I got nothing. Also, I tried to apply for another card with the same entity, which I well qualified for after presenting the necessary requirements of which it was finally uploaded successfully, after CapitalOne chose not to accept it, and requested another upload several times. Finally, I got a notification that my application was accepted. But later, CO reneged and demanded re-uploading my documentation. This is a clear abuse and intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XX/XX/2023 RE : Social Security Number : XXXX and account reported from XXXX XXXX XXXX XXXX XXXX  XXXX XXXX account # XXXX ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, 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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can not get my credit report from either XXXX or trans union. I have paid for services to get this from them as well and still unsuccessful!

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX accounts were removed from credit file then erroneously out back on.

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 2021-06-24
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:
the issue was not fixed

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 2022-02-22
Company: OneMain Finance Corporation
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was out of work for about 4-5 months after we had a suicide in our family. An account was compromised, we have an enormous amount of grief regarding a young family member and One Main Financial repeatedly calls me all day long thru different numbers! It has added to my already increased stress level and I want it to stop as I head back to work and figure out how to pay them off. I lived off what I had made in the previous months. I have a daughter in therapy due to XXXX XXXX XXXXy over the event and am headed to therapy myself. I am sick of the ROBO calls. I advise anyone never use them for a home improvement loan or any type of loan. You will regret it. When I get out of this debt to them : I will be an advocate of why not to incur this type of debt. It's just not worth it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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:
This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX 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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/2020, I've disputed the creditor XXXX XXXX XXXX XXXX. I do NOT know this company, never heard of them before, never entered into a contract with them before, yet they appear on my credit report for {$29000.00} in debt. I've requested copies to satisfy the validity of the debt from XXXX  and TransUnion without success, and this item continues to appear on my credit report negatively impacting my creditworthiness. 
After the dispute, the credit bureaus respond that they " verified the debt '' without providing any documentation that the debt is valid -- they can't because I've NEVER gone into any agreement with this company. They are violating my rights without consequence.

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 2023-11-30
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Information on credit reporting is false and is incorrect this violate my consumer rights by Comenity bank XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have couple credit cards opened on my social security and and it is debt collection now. And credit went don't and can't investigate it

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 2016-02-09
Company: NATIONSTAR MORTGAGE LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sold my house and paid off the mortgage ( through the title company ). The mortgage company will not return my funds remaining in escrow. {$1200.00} Nationstar Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
My loan for my car was with XXXX XXXX. All of a sudden it goes to XXXX XXXX without my knowledge and I tried to trade it in to get another car, however XXXX XXXX wont do it. Someone told me this is against the law. I need some answers because Im trying to trade the car in for another cheaper car with a lower interest rate. Please point me in the right direction

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 2022-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX XXXXXXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, XXXX & Transunion with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXXXXXX XXXX XXXX has published my information publicly on XXXX, XXXX & Transunion including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXXXXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXXXXXX XXXX Right. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. XXXX XXXX XXXX has published an account they have of mine on XXXX, XXXX XXXX Transunion. Each violation is a {$1000.00} fine. Included in XXXX XXXX Credit Report showing all 3 violations.

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