BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
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:
My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, XXXX, Equifax and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-23
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:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 XXXX  XXXX  XXXX FOR {$680.00} XXXX XXXX XXXX XXXX {$550.00} XXXX  FOR {$680.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX Credit Card was opened on XXXX XXXX, not XXXX XXXX, this account is older than years old.

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: 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: Account status incorrect

Complaint:
Starting XX/XX/XXXX to date I have written XXXX letters to XXXXXXXX XXXX and XXXX letters to XXXX, Trans Union and XXXX. Copy of XXXX attached. 

XXXXXXXX XXXX, XXXX, Trans Union, and XXXX are reporting XXXX items which I believe are false. 

Item XXXX is showing a XXXX  day late on my XXXXXXXX XXXX mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX  times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from XXXXXXXX XXXX supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. 

Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to XXXXXXXX XXXX XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.

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 2022-11-21
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 noticed a few accounts on my report I am not Familiar with

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 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXXXXXX 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 2022-06-07
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems Inc states I owe them {$3800.00} in regards to a leasing breach. I am not responsible for this collection, my previous significant other was main provider in our leasing agreement. I have tried to dispute with XXXX XXXX XXXX but they are refusing to remove this incorrect debt off of my credit. This is unfortunately my last resort before I involve my legal team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX # XXXX, had 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 with out my written instructions.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
They have not provided any resolution until now. They still keep reporting the same invalid and inaccurate accounts over and over. They said it's verified but I don't think so. They have failed to communicate with the creditors regarding these accounts. AGAIN... These items should not be on my credit report.

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 2021-07-07
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We have had a Superfleet card for our business for many, many years. We have rarely if ever have been late, and our bills are paid in full EVERY SINGLE MONTH! In XXXX of XXXX, we didn't receive their statement in the mail until way later in the month due to issues with the post office. We sent the payment out the day that we received the statement like we always do, and it took them over 3 weeks to post the payment. They shut our cards off, charged us {$75.00} in late fees, plus other charges. They said they did not have our payment, but crazy as it may seem, it came out of our checking account the very next day. We had to pay over the phone in order for our employees to get fuel on their cards. In XXXX, we had a credit since it was paid by phone AND by check. In XXXX, we received their bill around XX/XX/XXXX, I sent a check out the same day, it didn't post until after the XXXX of XXXX, which made it late AGAIN! We don't use these cards often, our drivers fill up the trucks at our shop daily, these are used in case of emergency only. We rarely pay more then a couple XXXX dollars to them monthly. In XXXX, same deal. In XXXX, they deemed our company a credit risk and starting charging several XXXX dollars of credit risk fees in addition to the late charges, and they changed our due date! In XXXX, I sent a check to them as soon as I got the email that had the amount due on it. They sent that on XX/XX/XXXX, I mailed the check on XX/XX/XXXX. We received their bill which was post-dated XX/XX/XXXX on XX/XX/XXXX, so let 's say our check was received by them in about 5 days as well. Our due date was changed to XX/XX/XXXX, so 14 days after I mailed the check out. Still didn't post to our account. It didn't post until XX/XX/XXXX! There is no reason it should take 17 days to post. Especially when every other check that I sent on the same day, several that went further than theirs, took 8 days or less to come out of our account. I checked EVERY DAY to see if that check cleared, on the XXXX I tried to use their online CheckFree option just to avoid the fees, but guess what, it doesn't work!! On our XXXX bill, we spent under {$30.00} for fuel, but the total bill was {$280.00}! This is ridiculous, if they aren't going to post payments in a timely manner, the due dates should be MUCH further out. They have refused to refund fees except a couple late fees, and they have refused to move our due date. Apparently I am not the only customer that they are doing this to. If you look at any profile for their parent company, XXXX, they are doing this to many, many people. How is this legal??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/XXXX I received an XXXX dispute update indicating Foreclosure proceedings started on XXXX XXXX. 

Nationstar has started foreclosure proceedings without any noticeto me. 

Nationstar 's predecessor, XXXX XXXX XXXX transferred loan number XXXX that had a XXXX balance. Nationstar 's predecessor 's agent sold the property associated with the loan number XXXX in a foreclosure sale on XXXX XXXX, XXXX. 

I have been in litigation with XXXX XXXX XXXX, Nationstar 's predecessor since XXXX XXXX, XXXX. This lawsuit is currently pending in the XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX v. Bank XXXX New York XXXX and others. 

Nationstar was transferred a zero balance loan and now they are claiming I am {$110000.00} past due according to the XXXX XXXX, XXXX credit report date. 

I have never executed any loan agreements after the foreclosure sale to reinstate the loan XXXX. Notwithstanding, reinstatement or any other loan agreement would fall under the Texas Statute of Frauds. The Statute of Frauds bars any collection of debt by Nationstar if it 's not in writing. 

Nationstar claims I am $ XXXX delinquent, which is equivalent to about 61 months. The foreclosure sale took place on XXXX XXXX, XXXX, 47 months ago. Ironically, this is the number of months Nationstar showed the account delinquent when is was transferred on XXXX XXXX, XXXX. 

Nationstar ca n't provide any explanation for the 47 month delinquency when they were transferred the loan from their predecessor. Their predecessor, XXXX, never sought to collect any payments after the foreclosure sale on XXXX XXXX, XXXX. In other words, between XXXX XXXX, XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX never sought to collect any payments on loan XXXX. My credit report showed the last account activity from XXXX XXXX XXXX referencing loan number XXXX was in XXXX XXXX. 


Nationstar was transferred this loan on XXXX/XXXX/XXXX, almost eighteen months ago. I need them to validate the debt. 

1. What loan agreement or legal document ( s ) was executed to reinstate the loan XXXX after the foreclosure sale? 
2. What date was the loan XXXX reinstated after the foreclosure sale? 
3. Who are the parties that reinstated the loan XXXX? 
4. What actions reinstated the loan XXXX? 
5. Was Nationstar a party to any reinstatement or loan agreement after XXXX XXXX, XXXX? 














.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Meade & Associates, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my THIRD DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : XXXX # XXXX, XXXX XXXX XXXX # XXXX, MEADE & ASSC

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
Product: Credit reporting 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 received a letter from ECSI XXXX XXXX XXXX, XXXX XXXX, PA XXXX stating that I woed a XXXX XXXX XXXX. 

I have no mempry of suchha loan, so I called to dispuste. They advised that this loan was taken out in XXXX and defaulted in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my memory is that my student loans have been paid. 

I checked my credit this morning and they are reporting the this loan. My understanding is that Federal student loans which have been reported to be in default for seven years or more must be deleted from a consumer 's credit record. Under the Department of Education 's Fresh Start Program specifically, the Department deleted reporting about loans that were delinquent for more than seven years. 

If by ECSI records the last axctivity was in XXXX then this is 30 years old and should not be reprted on my credit. I called ECSI today and they advised that they will not stop reporting and will do nothing about it. 

Please help me get it removed from my creidt. I have filed a disput with experion. Pleas let me know whatever further information you need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Reporting on credit report for XXXX XXXX that is fraudulent as the terms were changed by hand writing on contracts after contract was signed. I was not informed of these changes. The tax and payment information was altered and was not the original agreed to amount. This must be deleted from credit report. Police reports were also filed. 

Also this company is filing lawsuits against me in jurisdictions where I do not live in an effort to gain default judgements this is unscrupulous.

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