BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: OH
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:
The late payments that are being reported on my credit profile violate my consumer rights under FCRA consumer law 15 USC 166B. s a long-time customer that has had an exceptional payment history with XXXX XXXX XXXX XXXX , I am appalled that they will violate my consumer rights in such a manner that is detrimental to me achieving a good credit profile which affects my approval chances for other accounts. After speaking with XXXX XXXX XXXX XXXX customer service they were not helpful and didn't listen to me as a long-time customer. They advised there was nothing they could do, although they were aware my consumer right had been violated. I can not believe a company of this magnitude doesn't care about their customer rights. XXXX XXXX XXXX XXXX is tarnishing my name and credit profile by reporting these account late payments inaccurately without my consent. As well as my creditworthiness, character, and my general reputation which is also against the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. According to the FCRA, you have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: ALLY FINANCIAL INC.
State: GA
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: Problem with personal statement of dispute

Complaint:
There has been a charge off on my account including the balance. This debt has been paid off and it should not be on my credit report. ( 15 us c 1681 ). I have not received a 1099c form being that the debt has already been was paid and sold.

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 2023-10-18
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have contacted a company called LVNV Funding / Resurgent now several times via mail to get a better explanation of a debt they are reporting on my credit report in the amount of {$230.00}. Every time I ask them to show me how they calculated what they claim I owe them, they just send me the same piece of paper from XXXX, which is a bill from XXXX. The first letter I sent to them was on XX/XX/XXXX, the second letter requesting some sort of breakdown or info for what the debt is for was sent on XX/XX/XXXX and they responded with the same letter, which includes a bill from XXXX. This in no way validates any sort of debt. Furthermore, I wrote them once again on XX/XX/XXXX to get more info on this debt they are reporting and they clearly violated the FDCPA by contacting me via mail when I made it clear I only wanted to be contacted by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2018 I purchased a used good condition vehicle from dealer XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 
( XXXX ) XXXX-7876 at the same time I did Purchased a Vehicle Insurance for the vehicle Contract #  XXXX. FL License # XXXX VIN : XXXX 2011 XXXX XXXX XXXX XXXX XXXX XXXX The Financial transactions was Lien holder by West lake Financial Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX This Vehicle start problems on immediately after Last Week XXXX, Leaving me in the Road onXX/XX/XXXXXXXX first week, When I took the car back to them ( XXXX DEALER ) they was informed that vehicle chain change was completed in improper procedures and the Car need a New Motor, At this Point I call Insurance XXXX XXXX, they told me one of theirs Authorized mechanics will revise the vehicle. up to today I have not received any answer or resolutions to address this incident, However I did payment for the Vehicle XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to the Bank West lake Financial Services. 

The Dealer advice the Car need a New Motor and XXXX XXXX XXXX refuse to pay anything to fix the Vehicle. 

I will like juts to know in this case if I purchased a Lemon Car what are my best practice to ensure my record don't get missed up with this Financial Transactions because I won't be able to continuing a payments for a Car I do n't Drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: MI
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:
I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found this account XXXX account number XXXX on my credit report that were not opened by me. Also three addresses that does not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: SYNCHRONY FINANCIAL
State: UT
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 have sent certified letters with tracking information to Synchrony Bank on XX/XX/XXXX and XX/XX/XXXX requesting validation of the 'charge off ' that is listed on my credit reports for {$1900.00} regarding account # XXXX. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Synchrony Bank. Synchrony Bank has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Additionally, Synchrony Bank has also not provided a sentence on my credit report WITHIN XXXX CALENDAR DAYS from my first certified letter dated XX/XX/XXXX requesting that I am disputing the negative item in question

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have complained 2 times before & the last time did not know if it went through. 
I have not been able to access my e-mails since XX/XX/XXXX.. I am scheduled for a summary judgement tomorrow & yet the mortgage company has falsely denied me a loan modification of which I a very capable of paying. 
This has been over 3 yrs & was with the previous lender- XXXX . then Nationstar became Mr. Cooper & they have FALSELY failed to apply all of my income & put false fees in with my expenses- I have NEVER paid self- employment taxes on my rentals. They lied & stated my application was incomplete & it was NOT. I filled out loan modification papers at least 7 times. They are deliberately denying my modification. They failed to apply my mortgage payments from XX/XX/2015 of which I made. I have lived at my home for over 23 yrs. & am XXXX & XXXX yrs. of age.I have done EVERYTHING required & never been denied a mortgage before & did 3 other loan modifications with another company & all has been fine.when I was ill a few yrs. ago. This all started with one late payment & now they have ballooned it to this point. I appealed the denial & they have ignored me. PLEASE HELP ME!!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-08
Company: NATIONSTAR MORTGAGE LLC
State: AZ
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:
Nationstar Mortgage Acct # XXXX should no longer report on my file. All of my previous reports showed that this item would be removed from my credit report by XX/XX/2018. 

My current online reports now shows that they have removed that date and thus have re-aged this item. 

This reaging is a violation of the FCRA. 

Enclosed is print screen copy of my report from XX/XX/2018 showing the " On record until date of XX/XX/2018 ''. Also enclosed is a print screen copy of my current report no longer showing a remove by date.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company Hunter Warfield harrasing with phone calls and letters about debt that does not belong to me for total of {$940.00} reporting and affecting credit report and preventing me from obtaining 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 2023-10-24
Company: EQUIFAX, INC.
State: FL
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 2022-12-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I received an email through my school email account saying that a professor was offering a research assistant position that would pay {$300.00} weekly. The email said to text the number they provided if I was interested. I texted the number and they asked for my resume and to research certain office supplies. They sent me the list of the office supplies through the professor 's email ( phished ) and told me to create a XXXX form and send it back to them. I sent them the XXXX form and they asked me to check my email for the payroll. I received another email from an individual who works at my school regarding a check. The email told me to print out and deposit the check. Then the scammer texted me asking to send them {$500.00} through XXXX  and that I would be reimbursed the next day. Reluctantly, I sent them the money after speaking to them on the phone and them saying that they will send it the following day. The following day, I looked to see that the check hadn't been processed and was on hold. So I emailed the person who sent it to me and they told me that it was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I live in Florida. I was affected by Hurricane Irma. So, my mortgage company agreed that I can stop payment for a few months. But they didnt mention any condition. They promised to work with me to resume payment. On the contrary, they were more willing to let my home go into foreclosure. I fought and made them design a payment plan for me. I complied faithfully with the plan. Nevertheless, they sent negative report to credit bureau. My score dropped by 150 points I asked them to fix the problem. They didnt do anything about it. I complained to the three credit offices. Recently, XXXX told me their investigation was completed. But I am still 60 days late in my account for XX/XX/XXXX and XX/XX/XXXX. Nation Star told me they have a lot of customers and I have to wait. I feel like they are not doing anything to solve the problem. Please help me! I worked hard to build my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: NY
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions 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:
i am suffering because my credit look bad because these reporting agency 's are reporting info and accounts that are inaccurate on my report and i demand it be removed asap!

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 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX # XXXX In this case, Capital One has been victimized by " friendly fraud '' and wrongfully charged back payments. I urge capital one to research this customer and their policy in customers engaging in " friendly fraud '' disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX I requested a credit increase on my apple card. I was declined and told it was due to high balances on the revolving credit and length of time accounts are established. So since I was planning on using that card on Monday I made the payment on Saturday for {$15000.00} ( I am attaching the copy of the Payment made ). Since Saturday I have called Goldman Sachs 3 times. They refuse to post the XXXX XXXX payment. They refuse to call my bank and see that the money was taken out of my bank by Monday. I have asked for a supervisor to call me back since Saturday no one has called back. In the pass I had The Goldman rep tell me that yes in the past my payments of {$9000.00} were posted immediately but now I need to wait XXXX XXXX for them to post my payment so I can use the card. I believe that they are prejudice to me. Also the paper work from Goldman Sacks said my XXXX XXXX score as of XX/XX/XXXX was XXXX I have my XXXX from todayXXXX which is XXXX. ( which was lowered due to the inquires ) I also have the XXXX credit report from XX/XX/14 which I printed when Goldman declined increase that I requested, shows my credit score at XXXX and that I have only used 5 % of my availabe credit. Currently I have paid the apple card in full but they will not post my payment so I can use my card. Also on XX/XX/14 I applied for XXXX revolving card and got {$35000.00} credit line so how can that be?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: CT
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX CT XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1962 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am very pleased to report that, subsequent to my recent query through the Bureau, I received notification from Mr. Cooper that they are re-initiating the short sale, using the buyer who is offering their requested price. 

I am enclosing the letter I recently received, which requests all the usual paperwork to fulfill my part of the process. 

However, the XXXX file that was re-opened seems to reject the new short sale, and my efforts and the buyer 's agent 's efforts have not produced any resolution of that situation. We wish to send my paperwork NOW, but it is not being accepted by XXXX. 

So I am back again, hoping to communicate more directly about this situation so it can be resolved asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Credit Karma, LLC
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had my funds deposited on Wednesday from my part time company XXXX in which I contract from im to an employee Im contractor and thry have never not paid me and theres no complaints from any one in 5he community about them not paying me or any on3 else however, I have had issues with credit karma in the past several complaints to complain they tell m3 they will transfer my funds to another account when I request them and it takes up to t ten days at times so XXXX sent my deposit on Monday to be posted and delivered today and XXXX or somebody that did not understand any thing I was talking about she says I never have had any deposit from XXXX asi was looking at my bank statements as we talking and there were several deposits on Wednesday I went to XXXX the money was delivered she said theres no such deposit coming through so I dont trust whats going on they post dates that things are deposited when they are not deposit Ed they are what I believe holding my fu ds like they e done Im the past and probably using peoples deposit for their own investments or whatever I really dont know anf the money may pop in the bank whenever they feel they will put it in my account when they feel like it then telling me no deposit to my account have ever been made by XXXX no deposit of the a out of XXXX $ which was processed and paid to me from the carrier two days ago and there payment dates all on my bank statements are aLl on Wednesday and they real, y are are deposits so the XXXX or what ever I talked lied amfsaid something was not true when I physically seen it myself and my money is supposed to be there today they have no rights wih hold money the way they do and are dishonest and as soon as I get this money Im change f my deposits to a new bank account these people are doing something unethical and possible ly illegal I was supposed to get paid and they said Ive never been paid by them if you go on my account I am not lying they are and they owe me XXXX cents and Im not letting them do this to me again and others..

Company response to consumer: Closed with explanation