BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXXXXXX

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 2023-11-16
Company: EQUIFAX, 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:
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. 
I ask XXXX, XXXX, and Equifax to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : FRAUDULENT ACCOUNTS Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

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 2023-04-04
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my experian shows XXXX and when I tried to refinance my auto loan through XXXX  XXXX on XX/XX/2023 they pulled a XXXX from Equifax, but used an experian pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: Mr. Cooper Group Inc.
State: MD
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:
Since XX/XX/2019. My Mortgage was transferred from Seterus Inc. to Nationstar/Mr. Cooper. My Credit score have been declining ever since without proper notification or reason. Recently as today, XX/XX/2019. My credit score went down by 69 points. When I read the reason for credit score declining through XXXX credit monitoring monitoring service, the reason states credit limit decreases from {$130000.00} to {$120000.00} reported by NationsStar/Mr. Cooper. The amount reflects the amount mortgage going down. I would think that my credit score should go up since I am paying off my mortgage and this is not a credit card with credit limit. This is more absurd than anything since and I am not sure when we started to treating mortgage as credit limit instead Mortgage installments payments. So, I then looked recent homes sold within 5 miles radius through XXXX and other agencies real estate websites for homes like my own size or smaller. I discover most sold for over {$200.00}, XXXX and few around {$170.00} to $ XXXX. This made me more confused to why I am being penalized for always paying my bills on time and my credit is getting lower the more pay down my mortgage. I contacted Mr. Cooper/NationStar bank and they did not give any reasonable explanation to why this is happening, but my XX/XX/XXXX credit monitoring service clearly pointing the problem as Mr. Cooper/NationStar bank credit reporting. 

My Mortgage address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX The mortgage bank is : NationStar/Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) about a distressing situation involving identity theft and inaccurate information on my consumer credit report. XXXX XXXX is reporting an account to my credit report which appears to be a credit card account which is closed and is reporting a balance of {$610.00} for several months now. I am not liable for this debt. Despite my efforts to address this issue directly with the credit grantors and the three major credit bureaus, I have been unable to secure the removal of the fraudulent and inaccurate items from my credit report. As a victim of identity theft, I have diligently followed the appropriate steps to resolve this matter. I have filed a police report, reported the incident to the Federal Trade Commission ( FTC ), and provided all necessary documentation to support my case. However, despite my best efforts, the inaccurate and fraudulent accounts remain on my credit report. I have also directly contacted the credit grantors associated with the fraudulent accounts, as well as the three major credit bureaus, in an attempt to dispute and rectify the situation. Unfortunately, despite providing ample evidence and documentation, these inaccuracies persist on my credit report, causing undue distress and potential harm to my financial standing. I am committed to upholding the accuracy and integrity of my credit report, and I believe that your intervention will be instrumental in achieving this goal. I appreciate your attention to this serious matter and your dedication to safeguarding consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 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 2023-11-21
Company: EQUIFAX, INC.
State: IL
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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: GA
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:
15 U.S.C. 1681 section 602 A. states I have the privacy!!!!!!

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency connot furnish a account without my written instruction. 

consumer reporting agency is also supposed to do a proper investigation to see if the debt is mines by interviewing my jobs and neighbor which they failed to do. Putting in XXXX XXXX software to the other agency to come back verified is not the proper way in law to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In pursue of Class-Action Law suit against, Key-bank engaged in deliberate and unfair, unlawful fraudulent practices the company prestigiously relied on the likely-hood that wouldn't be fair to pursue rights. This has been a ongoing violation that the consumer financial protection bureau failed to identify valid proof of customers address on file, from Key bank who has failed to retrieve customers demand of funds retracted. Upon reexamination you will find serious systemic deficiency 's upon key bank responding The Consumer Finance protection bureau overlooked again, after the 2nd evaluation, XX/XX/2021 pertaining to the legitimacy of validation, both parties not having the correct address on file the reexamination started XX/XX/2021 for the third time upon reopening key bank verified that the account had not been updated with the correct address Key bank associate I.D . XXXX. Key bank and The Consumer finance protection bureau failed to conduct adequate due diligence on its customers. Me as a member find it humiliating and deceptive to gain my trust with secure and confidentiality. As a result my file lacked basic identification and verification of identity regarding the books and input of the claim type.

Violation of laws and regulations Key bank failed to maintain and make available true and accurate books, accounts, and records reflecting all transactions and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a XXXX XXXX bankruptcy on my credit due to information being inaccurate. They said it was verified but never sent me any of the courts documents to show me it was verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This Credit Reporting Agency ( CRA ) keeps furnishing inaccurate and incorrect information despite multiple disputes. They keep telling me that information has been " verified '' however the loan servicer has CLOSED and no longer has anyone working for them who can " verify '' anything. My new loan servicer states they do not see any late payments and that I need to contact the original loan servicer ( XXXX ) but XXXX is CLOSED so I can not request any copies of letters or request debt validation. 

I have multiple accounts ( tradelines ) posting to my credit report for XXXX XXXX XXXX  and EACH account is showing 90 days past due for XX/XX/2019 and 120 days past due for XX/XX/2019. Specifically : XXXX XXXX tradeline with balance of {$15000.00}. Comments " dispute resolved. '' This dispute was never resolved. Shows 90 days past due in XX/XX/2019 and 120 days past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$57000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$36000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' Please update these accounts to reflect the accurate information. You are unable to verify information because XXXX has closed. I am unable to request debt validation or request a payment ledger because XXXX has closed. I can not log into my former online account to retrieve letters to support this dispute because XXXX has closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ive received a monthly pension check from XXXX for 11 years on the 1st day of every month. BMO recently bought out Bank of the West and on the very first month of taking over my check was not automatically deposited. When I called C/S I was told I would have to wait until XX/XX/XXXX to access my money because XX/XX/XXXX was a Sunday. Never in 11 years of electronic deposits has this been a problem. So BMO can just buy out a bank and change the rules? XXXX has electronically transmitted the info and BMO can just hold on to my money until they decide to release it? 
My rent and other automatic payments are due today on the XXXX and will not process because my pension check is not in my account as it has been for 11 years.

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 2023-04-04
Company: EQUIFAX, INC.
State: MI
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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to Amsher collection services on XX/XX/2023 asking for verification of the company such as their licensure and how do they know that I owe said amount to XXXX. I have not heard anything from the company as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
This complaint is about Shellpoint, mortgage, a division of newrez. XXXX XXXX  XXXX, XXXX MI XXXX. 
On XX/XX/XXXX Shellpoint mailed a letter that have lander playced flood coverage on my mortgage at the cost to me of {$1500.00}. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX, who has insurance with flood coverage provided it to shellpoint. Shellpoint claims they have not received it. 
On XX/XX/XXXX I talked to them on the phone, and representative have found it, and said problem have been resolved. 
On XX/XX/XXXX Shellpoint mailed another letter that they have no flood coverage. Called them on XX/XX/XXXX and emailed them proof of flood coverage to XXXX. Representative confirmed the receipt. 
Lander-placed coverage was purchased anyways. 
This is the THIRD YEAR IN THE ROW this keeps on happening. At this point, I am convinced that it is done deliberately. Now I have to spent next month or two asking shellpoint to remove lander-placed coverage. 
PLEASE, investigate this, as I believe this company does shady, not to say fraudulent activity while servicing mortgages. Also, if you could ask them to remove ill-playced coverage without me wasting hours on the phone, i would greatly appreciate it.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: McCarthy, Burgess & Wolff, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
McCharthy, Burgers & Wolff sent me a letter with a. Total amount of debt of XXXX when I called they wouldnt give me any info other that they said I stayed at the XXXX XXXX XXXX and I owe that money. I just had an XXXX account number that was provided to me from the letter they sent. I contacted XXXX they found out someone did a reservation online for dates XX/XX/XXXX to XXXX with an XXXX XXXX card and using my info address to open an account with them and email address different than mine. So I explained them that I got my driving license and XXXX XXXX card stolen on XX/XX/XXXX and that card that they used to do reservation was already cancelled same day. 
I didnt do any reservation and I was in XXXX XXXX XX/XX/XXXX to the XXXX. I tried to contact collection company by email attaching police report, credit card email solving problem and agreement of disputing the charges in my XXXX card, issuing me a new card, and my new driving license issued date But just the email they provided doesnt work and my emails got refused to send.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a bankruptcy listed on my credit report that is not mine, I have documentation from the courts to prove it.

Company response to consumer: Closed with explanation