BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX or a company acting like XXXX XXXX XXXX has recorded an Assignment of Deed as well as a Notice of Default and a Notice of Sale. on my property. 
I am not sure XXXX XXXX XXXX would this ; because I have a statement from them indicating that the do not own my property. 
Can you help extend the sale date so I can take proper action. 
Attached is the letter from XXXX XXXX XXXX My wife was the borrower ; she passed away on XX/XX/2016. 
I am the surviving widow filling out this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: LA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Exeter Finance Corp.
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:
It has been well over 30 days and I have not received any results of an investigation of this account that I requested on XX/XX/XXXX to the credit bureau 's in regards to the difference of date of last payments reflected on my credit report for Exeter Finance. XXXX  does not reflect a date of last payment while XXXX  reports a date of last payment of XX/XX/XXXX and XX/XX/XXXX on XXXX. Please see the attached credit reporting and letters submitted to the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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:
this credit card account is on my credit reports I ask this copany to send me something in writing with my signature on it showing that this account belongs to me they have not produced yet if they cant prove that it is my account then it needs to be removed from my credit file

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 2022-10-10
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: Information belongs to someone else

Complaint:
I have submitted multiple identity theft reports on behalf of this account on my report Experian still continues to post these account on my report 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 2023-02-02
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As per Section 609, I am entitled to see the source of the information, which is the orignal contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was contacted about a collection debt on a credit card that went into collections due to covid 19. I had made a payoff arrangement on XX/XX/XXXX to pay the debt off. I paid it off early on XX/XX/XXXX only to have it remain in collections on my credit report. I had contacted Portfolio Recovery to remedy this issue only to be told the mistake had been made on their end and it would be fixed and removed from my report by XX/XX/XXXX. As of XX/XX/XXXX it still remains on and as having an unpaid amount. Once again I contacted Portfolio Recovery only to be promised the same thing again. I paid this off almost 2 months ago and they are not treating it as so and removing it from my credit only telling me the same thing over and over again and admitting responsibility on their end but not fixing the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: CO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and removed from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: FL
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-10
Company: MOHELA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have contacted my current student loan servicing company and the Federal Student Aid office to obtain the original loan application for my spousal consolidation loan as well as my Master Promissory Note. I was told by MOHELA that I would receive my MPN emailed to me within a couple of business days. That was on XX/XX/XXXX. I have sent follow up emails and still have not received a response. I was told by MOHELA to contact the Federal Student Aid office to get a copy of the loan application for my spousal consolidation loan. The FSA told me to contact MOHELA. This was also on XX/XX/XXXX. I have sent multiple emails and have received nothing. I would like a copy of my Master Promissory Note and the original application for my Spousal Consolidation Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Two accounts with Barclays were fraudulently opened and have a balance. I reported this to the company in XXXX and have not gotten a resolution. The accounts are still on my credit report, with a reported balance of {$5200.00} on one account and {$2100.00} on the second. The company claims these are my accounts, but I have no knowledge of them.

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 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited a check from the sale of my home that was written from the Title Company in the amount of XXXX. On my deposit receipt it stated funds would be available XX/XX/XXXX at XXXXXXXX XXXX Despite the lengthy hold, I have managed to pause my finicaical responsibilities until XX/XX/XXXX at XXXX XXXX 

However, today my funds are not available. I have called customer service and all I am told is the check has not been verified so the funds wont be available until next Tuesday. 

I am not asking for a hand out or a gift. I am asking Bank of America to do what they said they would do on XX/XX/XXXX, which was release my funds on XX/XX/XXXX at XXXXXXXX XXXX in the amount of XXXX. 

Additionally, I followed up with the title company, that followed up with their bank, and they verified that the check cleared with Bank of America XX/XX/XXXX. 

My and my sons livelihood is depending on these funds in real-time.

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 2021-07-29
Company: Santander Consumer USA Holdings Inc.
State: TX
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:
FCRA VIOLATIONS : XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$7900.00} written off. 
XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$990.00} Status Account charged off. {$990.00} written off. {$990.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$310.00} Status Collection account. {$310.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4800.00} Status Collection account. {$4800.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2600.00} Status Account charged off. {$800.00} written off. {$1200.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on credit reporting agencies. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  CAXXXXD Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2023-06-14
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, CHASE and XXXX Credit Bureau are violating my rights on account # XXXX. 

This is my second attempt for Chase and XXXX to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect Chase and the Credit bureaus to do the same as part of their investigation. 
In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called Chase XXXXredit services, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. 
Chase claims that all conversations are recorded when calling, so if a serious investigation was done by Chase and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But Chase and the credit bureaus are still claiming that I have a late payment. 
In accordance with FCRA, 15 USC 1681s-2 ( b ), Chase and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. 
After I was told by Chase credit services, as a consumer, that if I did such and such I would not be charged with a late payment, only for Chase to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that Chase and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. 
I would expect the XXXX credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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:
I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after their investigation. I would like these items immediately removed and for good cause I have sent multiple disputes following the blocking of secondary vendors ( XXXX XXXX, XXXX, XXXX and XXXX ) back in XXXX and XX/XX/XXXX. Over the past year, I have sent in multiple disputes certified affidavits, follow-ups disputes and Experian continuously sends responses back later then the requested time that I request that items be removed 14 days and 30 days. My most recent request ( Letter of Intent ) sent on XX/XX/XXXX asked that these items be removed within 3 days of receipt of this letter did not get responded to until XX/XX/XXXX. 
" Experian states that they have investigated the and verified this items and that the company that reported the information has certified to Experian that the information is accurate '' These inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. 

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. THIS INFORMATION NEVER HAS BEEN PROVIDED TO ME NO MATTER HOW MANY TIMES I HAVE REQUESTED THIS. 

The following accounts are not reported by US XXXX CT and I have proof of this information. 
US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX XXXX US XXXX CT GA XXXX  XXXX Please remove it from my credit report. 
Attachments that were sent to Experian as apart of my disputes : Letter from Bankruptcy court Letter of Freezes place on my account Copy of most recent letter of intent Copy of most disputes that items were verified

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 2018-05-27
Company: NATIONSTAR MORTGAGE LLC
State: IN
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:
I have been unsuccessful in trying to reach out to Nationstar regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to Nationstar regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to Nationstar regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking Nationstar to address in an urgent manner and to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
{$1000.00} student loan account in collection/charge off that is reported to tranunion not XXXX  this inaccurate information is hurting my credit

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 2021-07-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation