BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-10
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: Investigation took more than 30 days

Complaint:
On XX/XX/2023 I wrote and mailed Experian asking that they investigate and remove the negative items that are on credit report. As a consumer I have rights and understand the laws that apply to me. Today marks XX/XX/2023 and as I have pulled my report once more nothing has been done about this matter. I am beyond furious with this company as they aren't complying with their own policies and procedures. The deadline was XX/XX/2023 to investigate my report and remove those items, however it has not been completed in the timely manner now I am demanding that each item I listed negative on my credit be removed immediately or my next step is go file an official complaint with the State Attorney General 's Office

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 2022-02-18
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX filed a XXXX XXXX against my property at XXXX XXXX XXXX XXXX, XXXX, WI XXXX in XXXX. I have tried to obtain the XXXX XXXX documents in the amount of {$12000.00} submitted to HUD and according the XXXX documents XXXX not available. 

XXXX XXXX  XXXX : Requested all XXXX lien documents XXXX XX/XX/XXXX. On XXXX, XXXX XXXX  responded " we were servicing the first XXXX on the above referenced property and unable to locate any other accounts in our records. Please provide a copy of the title report showing the XXXX is outstanding. Also provide copies of recorded Mortgage and assignments and any payoff information you may have, such as a copy of payoff statement and/or the XXXX XXXX XXXX. 

HUD RESPONSE : On XX/XX/XXXX, I submitted a request to HUD and the response stated ... ..When using a XXXX Partial XXXX Option your Servicing Lender ( Servicer ) is required to prepare a Partial Claim promissory Note and subordinate Mortgage for your execution. The Servicer should provide you with a copy of the fully executed documents for your records. The executed Partial Claim subordinate Mortgage will be recorded and will result in a XXXX being placed against your property. 

If you can not locate your copy of the Partial Claim promissory Note or subordinate Mortgage you should contact your Servicer to request a copy of these documents. 

XXXX XXXXXXXX XXXX ; RE : XXXX. 

Action Required : XXXX Mortgage to provide the XXXX lien documents or contact HUD to XXXX documents of the XXXX lien. I would like it sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: EQUIFAX, 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:
Equifax is reporting unverified derogatory tradelines on my credit report.

Company response to consumer: Closed with explanation
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: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Recently disputed this ( credit collection company XXXX ) which the company in itself if is violation because it is NOT licensed to collect debt in the state of Florida, also I have NEVER done business with this company, I have no KNOWLEDGE of the account or the amounts, account number consistently reporting to my credit report, it seems this company has stolen my information or has me confused with someone else! I have disputed this matter and it keeps coming back as accurate, but never any proof that I signed anything with this company proving I have debt with them or how it was verified, a bill isnt proof of accuracy nor stating the account as verified and updated shows proofI have reached out to the company and they have not provided proof of signature. MAXIMUM Accuracy has to be reported on a consumers credit report at all times and disputing 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
Consumer complaint received 2021-04-14
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:
There is an account on all 3 bureaus and its not mine. I have been not given any investigation results or information as to why it's on there still.

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 2019-07-14
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: Public record information inaccurate

Complaint:
I filed Chapter XXXX Bankruptcy on XX/XX/2017. My XXXX hearing was XX/XX/2017 and my Bankruptcy was discharged XX/XX/2017. 
XXXX XXXX XXXX was one of the debts discharged in my Bankruptcy and while all of my discharged debts are reflected correctly on all three bureaus ( 0 balance and IIB ) Transunion is showing the discharged debt to XXXX XXXX XXXX as a 0 balance but as " Charged Off '' and NOT as " Included in Bankruptcy. '' XXXX  and XXXX both list the discharged debt as IIB. 
I'm hoping to be able to resolve this through your agency.

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 2017-03-13
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The borrower is an XXXX with XXXX. He had arranged a modification of a mortgage which was excessive in valuation, and the prior bank, XXXX XXXX XXXX, refused to honor the modification agreement. Then, the current servicer, XXXX XXXX XXXX XXXX XXXX, as trustee, foreclosed on the premises and sold it to itself. On XXXX XXXX, 2016, the mortgage servicing agent Northstar ( I recall ), sent a letter that the balance of the mortgage including legal fees that was due and owing was around {$180000.00} ( it might have been $ XXXX ) as of XXXX XXXX, 2016. The Bank foreclosed on the property around XXXX in 2016 and the referee 's report relied on XXXX XXXX XXXX XXXX. 's representation that the indebtedness was around {$420000.00}. The referee reports selling it to XXXX XXXX XXXX XXXX. 
for around {$380000.00} for XXXX dollars and other consideration. After researching the land records in XXXX County, New York, I can come to no other conclusion than fraud in regard to this discrepancy. I sent a notice letter to the Bank 's current attorneys and received no response thereto. My client remains in the premises with his wife ; the Bank has filed an L & T petition to evict him in the XXXX Justice Court ( with there being improper service of the notice of petition and petition ), which date is XXXX XXXX. It 's likely that I will need to file a chapter XXXX bankruptcy with an automatic stay to preserve my client 's rights in his equity and possession of his and his wife 's residential premises. I am not certain the extent and nature of the probable fraud and of its civil nor criminal implications in its entirety, but it appears to me to be sufficient for a criminal RICO indictment. The borrower now has a social security card and green card ( although he was eligible for TARP modification without it ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One Bank has compromised my personal information and conducted an investigation with bias against my XXXX business XXXX XXXX XXXX XXXX 1 ) letter from capital one XX/XX/2021 indicated wrong account number and wrong mailing address. Same letter in bold print at the end is aggressive and a personal threat against me. 
I am attaching bank statements for the deposits from SBA as well as the correct account number. Therefore, I am requesting a transcript from all the 36 phonecalls I made to capital one where I clearly requested a change of investigator and protocols. Capital One refunded my grant without verifying my docs. 
Capital One acted out in a punitive way against my business and my person because I complaint that the investigation was inaccurate. Attached are documents proving capital one has compromised my identity by releasing documents to my previous home address and the investigation was not even performed because they never checked off the BANK ACCOUNT. Look at the numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I made multiple payments in XXXX for my XXXX card for the month of XX/XX/2023. Consumer Financial Protection Act ( CFPA ) ( 12 U.S.C. 5481 et seq. ) : The CFPA established the Consumer Financial Protection Bureau ( CFPB ), which plays a significant role in overseeing and enforcing consumer financial protection laws, including those related to credit reporting.closure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans. Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter. XXXX claims they do not mark payments late to reporting agencies unless 60 days late which this account certainly has not been. Fix any late payment regarding this account or litigation route will follow.

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 2022-02-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I XXXX XXXX, ( DOB ) XX/XX/1989 HAVE SENT MUTIPLE FAX REGARDING THE INCONSISTIES WITH MY BIRTHDAY AND ADDRESS, IM REQUESTING THAT MY BIRTHDAY BE UPDATE TO XX/XX/1989 AND MY ADDRESS TO BE UPDATED WITH XXXX XXXX XXXX XXXX XXXX MI XXXX, I WILL LIKE TO VERIFY MY INDENITY WITH EQUIFAX, XXXX, XXXX WITH BOTH UPDATE ITEMS THANKS IN ADVANCE ... .ALSO XXXX XXXX XXXX XXXX MI XXXX SHOULD BE DELETED ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: TX
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:
Please remove the following hard inquiries from my credit report since these items were not authorized. 
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 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 2022-03-28
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore Loan has shared my loan status with cash buyers who call to force me to sell my condo being just 1-2 payments behind due to the COVID19 pandemic. Rushmore refuses to keep my payment information confidential. Late last year I put a password on my account so that anyone calling for information about my account would need to provide a password, but Rushmore refuses to honor my request. I did this by faxing a letter to Rushmore with the password that any inquirer must provide in order to discuss information about my mortgage account. This was done due to concerns I had when I was contacted by cash home buyers in XXXX when I had fallen behind on my mortgage. However, my mortgage is up to date and I am only 1-2 months behind. Yesterday on XX/XX/XXXX, I received a call from Rushmore saying I was 1 month behind & wanted to know if I was interested in selling my condo to a cash buyer or wanted to create a new payment plan. I was also informed that none of the payment arrangment options previously available were available now. Today on XX/XX/XXXX, I received a text from XXXX XXXX ( XXXX ) who says he wants to buy my condo for cash ( something similar occurred last year, which is why I put a password on my mortgage account ). When I checked online ( https : XXXX  ), I saw that a XXXX XXXX and XXXX XXXX XXXX XXXX are cash home buyersXXXX but neither is a real estate agent in XXXX XXXX XXXX is an estate surveyor in XXXX. Rushmore Loan Managment is interfering with my right to privacy and my right to stay in my home. It could be Rushmore employees that are stealing my data for their personal benefit and selling my information to would be cash buyers. In addition, Rushmore Loan refuses to identify the name of the investor in my condo. Rushmore 's conduct is oppressive and menacing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received this debt collection of XXXX letter for a service I didn't received from XXXX XXXX XXXX company on my rental. I cancel my agreement with this company. When I look at her reviews XXXX XXXX reviews it says I owe them XXXX when I place my comments on there website to inform people of this unfairly business that's doing people wrong I will attach everything. I was soo upset that this debt collector has contacted me about a debt I dont owe, and threatened to ruin my credit. I have not received any notification from XXXX XXXX XXXX about what I owe. Just seen her response on the reviews in over a year ago. Now they and this debt collector tries to reuin my credit it's not fair. I call this debt collection they told me to call XXXX. I did but it did not get settled they are just so wrong for doing this especially without me knowing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have looked over my Credit Reports and found some negative accounts that are not connected to me and I will like for these accounts to be DELETED Now! 
I Never gave my permisson for any third party or collection agency ton put anything on my Report without my permission. I understand that the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection practices Act 15 U.S.C. 1692. it states that I have the rights to have the correct Information put on my report and my righgts have been violated!

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 2022-03-28
Company: LEXISNEXIS
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:
LexisNexis are deceitful liars. I demanded they stop furnishing a bankruptcy that they were unable to verify as I have a letter from the court stating that they did not furnish information to any reporting agency. I also demanded a security freeze. I received a letter with a pin number for my security freeze. Then I received a letter stating they could not authenticate my identity to remove the unverifiable information, thus continuing to violate my consumer rights. They are liars because they were able to authenticate my identity with my drivers license and utility bill for the security freeze but somehow can not for the violation of my rights. I demand LexisNexis stop furnishing information about me and delete the unverified bankruptcy immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXXI received correspondence in the mail from H & R Accounts , Inc that violates several of my federal rights. On XX/XX/2021 I sent a notarized affidavit with exhibits to highlight the serious violation of federal law that this company committed. I intend to pursue this matter to the fullest extent of the law being that this company violated my rights and federal law in the process. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that H & R Accounts , Inc is in violation of 15 USC 1692b ( 2 ), 15 USC 1692b ( 5 ) and 15 USC 1692d ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Just recently, my credit score was greatly impacted from an inaccurate balance increase on my XXXX XXXX credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of 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 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I have disputed with XXXX, TransUnion and XXXX erroneous item on my report. They have not corrected the problem. 

All three are erroneously reporting that my overall debt is {$9000.00}. That is inaccurate. I owe {$4000.00}. 
This grave mistake on reporting agencies makes it look as though my debt is higher than it is and reduces my rating enormously. This is a horrible unfair practice. 
I have been working diligently to get this resolved since XX/XX/2019 both with my personal banker and each reporting agencies without any resolution. 

Now the impact of Covid 19 is escalating the need for excellent customer service into a matter of dire emergency for me and 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 explanation
Consumer complaint received 2022-07-05
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: Public record information inaccurate

Complaint:
I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case NumbeXXXX XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA ( 15 U.S.C 1681I ) and the information must be deleted immediately. 
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