BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to dispute certain accounts that appear in my consumer report, which is maintained by your agency. According to the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b and 15 USC 1681c-2, I believe that these accounts should not be furnished on my consumer report for the following reasons : Under 15 USC 1681b , Section ( a ) - Permissible Purpose of Consumer Reports : Subsection ( a ) states that a consumer reporting agency may furnish a consumer report under specific circumstances.

Clause ( 2 ) of this subsection allows for the disclosure of consumer information in accordance with the written instruction of the consumer to whom it relates.

I have never provided written consent to any consumer reporting agency to report the information in question on my consumer report. This constitutes a violation of my rights as a consumer.

15 USC 1681c-2 : This section of the FCRA mandates that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft.

I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter and have obtained a reference number for my case ( XXXX ). This indicates that the information in dispute may be a result of identity theft.

I am formally requesting the immediate deletion of the following accounts from my consumer report : Company or Organization : XXXX XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX Number : XXXX Company or Organization : XXXX XXXX APTS Account Number : XXXX Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES ; Name : XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX, Inquiry Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/2023 Name : XXXX XXXX Inquiry Date : XX/XX/2023 Name : XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/2023 UNAUTHORIZED ADDRESS ; 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 2023-05-09
Company: EQUIFAX, INC.
State: SC
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2018-09-18
Company: NATIONSTAR MORTGAGE LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My house burned down. My insurance company sent me and my mortgage company a check for both of us to sign to pay off the property. Mr Cooper has given me more than one amount on the pay off and also charged me interest from the time the pay off was given to the insurance company and the time I sent in the check. Which for some reason they put in my escrow account. I don't know why they did that because I had called and done everything I was told to do before sending the check. I was charged interest after the payoff was given. I also believe my payoff amount is wrong. I paid extra on my principle every month which reduced my principle amount. I was given a pay off of XXXX from the website. Plus I can not get my escrow monies from them. Then my pay off jumped to XXXX when it was requested. Please help me investigate this company as I feel like they are taking advantage of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My personal loan account with Mariner Finance was paid-in-full with good standing on XX/XX/2023, but Mariner Finance reported otherwise to all three credit reporting bureaus ( XXXX, XXXX, and XXXX ). The balance is showing as {$1200.00} when it should appear as XXXX and as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
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:
See attached complaint on this CRA that refuses to properly investigate this erroneous account that has been reporting on my consumer report with numerous inaccuracies that are leading current and future creditors that I'm less than worthy of extending my credit. I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. XXXX Information XXXX XXXX In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company. I know this company pays you to report this XXXX to my consumer report and you also have a duty as a data furnisher to investigate this item instead of simply sending a form to the company to verify with no merit or factual substantial documents produced. You've have enough time to thoroughly investigate this account so I demand it be blocked and deleted from my report in 7 days from the receipt or this complaint. I'm well prepared to get this matter in the federal court to be property litigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-12
Company: Elite Financial Services, Inc.
State: MO
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:
Elite Financial has contacted myself and my fiance several times over the last several months. They will not verify who they are calling from until they are asked MANY times, even after verifying for them that they are speaking to the individual they called for. They are automatically rude and threatening when it comes to any kind of resolution. I have been told multiple times I would receive paperwork/notice in the mail about the debt and how to settle it. Have received nothing at all. After telling them I would not settle the balance without further information they have continued to call my cell phone, but hang up when I answer, and they still continue to call my fiances phone, but will not give him any clear answers. They have threatened to take action on both mine and his credit if we do not resolve the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2023-05-27
Company: EQUIFAX, INC.
State: PA
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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar purchased my loan from XXXX XXXX XXXX around XX/XX/XXXX while I was still on ChapterXXXX. Right before the loan was sold I received an escrow analysis that stated my mortgage for the year was {$2000.00}. Once Nationstar started servicing it they said the mortgage was {$2400.00}. I brought this difference to Nationstar 's attention and they said they do their own escrow analysis when they take over a loan. I then started to pay the larger amount in XX/XX/XXXX. They finally adjusted the payment to the lower payment in XX/XX/XXXX. When I come out of Chapter XXXX in XX/XX/XXXX they informed me I was 4 months behind on my mortgage. This was attributed to payments they said I missed during my bankruptcy as well as my not paying the {$2400.00} amount versus the {$2000.00}. I went into a forbearance agreement with them that started XX/XX/XXXX for {$12000.00}. I complete the plan XX/XX/XXXX. They are still reporting the account in forbearance and that my account was 180 day late. Considering they gave me an escrow refund of {$5700.00} in XX/XX/XXXX I to have been severely overcharged during the time they serviced the loan. If you subtract {$5700.00} from {$12000.00} you would get {$7100.00}. That would equal to about 3 1/2 months. I have disputed this with the mortgage company and XXXX. Nationstar continues to respond to XXXX that their reporting is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$5100.00}

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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent a letter to dispute a trade line on my credit report on XX/XX/XXXX. I received the return receipt they sent back dated for XX/XX/XXXX, which was fraudulent and exceeded the 60 day response period mandated by law. On XX/XX/XXXX I received another response from TransUnion that was also suspiciously back-dated and so I wrote them again on XX/XX/XXXX. This time upon receiving their response of XX/XX/XXXX it had been sent with certified return receipt confirmation. It is clear to me that TransUnion have acted in bad faith by attempting to cover up their fraud through back-dating correspondence. To remedy this situation as a consumer what legal or regulatory action can be taken in order to hold them accountable? 

P.s. If they were going by the XX/XX/XXXX certified return receipt they stamped, and I received my first response letter from them XX/XX/XXXX. By law they would have to remove it because it had been longer than 30 days.

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 2021-10-01
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2021, I called into my mortgage servicer, Quicken Loans/Rocket Mortgage, about the end of my forbearance plan and reached XXXX. XXXX obfuscated the fact that I could take advantage of the XXXX XXXX  COVID-19 Payment Deferral program by implying that I would be eligible only for a loan modification until I asked him directly whether he was telling me that there was no way for me to take make use of the XXXX XXXX  COVID-19 Payment Deferral program. Even then, he was unclear, and I had to ask him, very specifically, " What would I need to do to be eligible for the COVID-19 Payment Deferral program? '' Either he was assuming that I wouldn't/could n't make two payments without actually confirming this fact by asking me directly, or he was intentionally making it difficult for me to ask for and use the XXXX XXXX COVID-19 Payment Deferral program. 

It turns out that, at this point, to be eligible for the XXXX XXXX COVID-19 Payment Deferral program I would need to make two mortgage payments ( {$2500.00} ) tonight, a fact that was never disclosed, alluded to, or addressed at any point during my " forbearance check-ins '' or at any point at all. 

It is unfortunately true that Quicken/Rocket similarly obfuscated the option to enter into forbearance early in the pandemic, when the option was first available. The only reason I was able to take advantage of the forbearance was that I had read extensively about the forbearance options being made available by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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:
Are you familiar with something called 15 U.S.C. Section 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted.

15 U.S.C 1681 section 2. ( a ) States I have the right to privacy.

15 U.S.C 1681 section 604 ( a ) section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: Experian Information Solutions Inc.
State: AR
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:
ok in XXXX i purchased a car a XX/XX/XXXX XXXX XXXX XXXX and the finance company was XXXX XXXX. The car was in a accident in XX/XX/XXXX the car was totaled and the at fault insurance company totaled the car, i advised the insurance company that i wanted to keep the car which i did,,, they estimated the value of the car and told me that they would send the check for the value of the car with my name on it and the lean holder which was XXXX XXXX. i sent the entire check to credit acceptance and paid the off they kept the entire check and stated it covered the balance of my loan so i wouldn't any of the money because it paid my loan completely off .. they sent my me title and to my XXXX XXXX XXXX ... i couldn't get my title until the total loan was paid off so the check that was sent to them covered my loan .... so now i don't know why they are showing negative remarks on my credit report and showing that the loan was settled less than full balance,,,, they wouldn't release my title until the loan was completely paid off so why they put that inaccurate remark on my credit report i paid that entire loan off with the check the insurance company sent me, they need to removed that remark or remove the entire account from my credit report because the loan was paid in full, ,and not less than full balance,,,,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-27
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I sent personal information correction correspondence to XXXX, Equifax, and XXXX to update my credit profile and they yet continue to violate my consumer rights. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I feel like BC Services has fraudulently obtained my social security number in order to collect a debt! They have went as far as to contact my employer and began to garnish my wages. I dont even know why they've decided to take such action as they are not even listed down as a collection agency I owe money to on my Credit report. The only 3 agencies I owe money to are XXXX XXXX XXXX  ( hospital bill ( {$140.00} ) ), XXXX XXXX ( 2 hospital bills ( 1 for {$210.00} and another for {$510.00} ) ), and XXXX XXXX XXXX ( apartment lease ( {$1400.00} ) ) .... not BC Services. On top of that, I dont understand why they will take away about {$200.00} from every check if 2 hospital Bill 's were under {$250.00} and the other one is {$500.00}. The XXXX XXXX account has slowly been starting to pay off so there wouldn't be a reason for them to garnish my wages. BC Services failed to ever contact me and took wrongful action without my knowledge.. I thought my employer was shortening me on my hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions Inc.
State: NC
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 is 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.

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 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
On XX/XX/XXXX, XXXX, TransUnion and XXXX dropped my credit score XXXX points simply because my XXXX XXXX  credit card balance decreased from {$40.00} to {$0.00}. How can they do that? It sounds like they are penalizing me for being a responsible consumer. I thought score drops applied only when a consumer misses or makes late payments, not someone like me who has a 100 % on time payment history. I demand they restore my credit score at once or legal action will be taken against all 3 credit bureaus.

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