BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MO
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Unnecessarily corporate fees. 
Nation Star Mortgage charges me for Attorney fees, and many other fees while my house was under contract for sale. In all the fees are total nearly {$7000.00}, and I gave Nation Star Mortgage the opportunity to resolved the matter ; however, I kept running to a wall. The property was closed on XXXX XXXX 2015, and did not go to Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: TX
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 account XXXX has violated my rights.. 

15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT OF PRIVACY..

15 U.S.C 1681 SECTION 604 A SECTION 2 ITS ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 1 ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2019-07-30
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following is a letter I sent to Commonwealth Financial Systems disputing the debt that I do not owe and have already paid: 


Commonwealth Financial Systems
XXXX XXXX XXXX XXXX XXXX, PA XXXX

Account Number: XXXX. 

Dear whoever it May Concern:
This is the second time that I have disputed this account with your bureau. The first time, they stated that I owed the debt, yet could NOT provide me with documentation proving that I owed the debt. This is unlawful and completely unreasonable. The Fair Debt Collection Processes Act allows me to request you to send proof of the debt through debt validation which you have not done. I have requested that your business not contact me, and yet I still get phone calls from this agency demanding that I set up a payment plan for a debt they cannot verify. This is illegal and against everything that debt creditors should stand for. 

The fact that you as a business have purchased an inaccurate and somewhat questionable collection account from me with no paper trace is unethical. I have been harassed to comply with payments that have no bearing and no trace to me as a person due to no verification. I filed a dispute with XXXX, which was submitted on XX/XX/2019. It is now XX/XX/XXXX, and the status is not yet under investigation. I demand this account be taken off of my credit report or I will take legal action against you as a fraudulent bureau. 

I made a XXXX payment to the account thinking it was another medical bill, however I was mistaken and had already paid that bill. This bill from “XXXX XXXX XXXX” is inaccurate given that I had already paid the hospital for the visit that I sustained. This is a poor practice that has negatively affected my credit and has led to many harassing and demanding phone calls from people inside your business claiming that I owe the debt, yet CANNOT supply me with ACCURATE, DATED information.

The most recent paper trail I have in my documents is a piece of mail from XX/XX/2019. I have been asking for documentation for 6 MONTHS. Medical bill collections are a violation of HIPPA, and I have had people from your business refer to my medical bill as an “ailment” when they should NOT have released my medical history without authorization. I have contacted XXXX XXXX XXXX and they have no recollection of this debt and cannot verify it either, and to reiterate, did NOT have my permission to release such pertinent, personal information about my health records to a third party creditor. 

As previously stated, this is unethical and illegal. The harassing phone calls and demands of payment for an account neither business can verify is ridiculous. If this proceeds, legal action will be taken against your bureau as a means of a fraudulent business who is not complying with the regulations set forth by the FDCPA. You would not pay a creditor that cannot verify a debt, so why should your customers?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: MA
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'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 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 2023-06-23
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: Reporting company used your report improperly

Complaint:
I am writing to request that you remove certain utilization information listed on my consumer report due to not receiving all three disclosures about consent to furnish under 15 USC 1681a ( 2 ) exclusions, and the 15 USC 6802 obligation, regarding the privacy of personal information.

As I fall under these exclusions and obligations, I did not receive all three disclosures prior to providing my consent to furnish information, therefore, the following utilization information on my consumer report may be inaccurate or misrepresentative of my creditworthiness XXXX XXXX XXXXXXXX {$2500.00} out of {$2600.00} XXXX {$6800.00} out of {$7000.00} XXXX XXXX {$1900.00} out of {$2000.00} XXXX XXXX {$5400.00} out of {$6000.00} XXXX XXXX XXXX {$9400.00} out of {$10000.00} XXXX XXXXXXXX {$1700.00} out of {$2000.00} SXXXX XXXX XXXX {$2600.00} out of {$3000.00} XXXX XXXX XXXXXXXX {$5800.00} out of {$7000.00} XXXX XXXX XXXX  {$770.00} out of {$1000.00} XXXX XXXX XXXX XXXX {$1700.00} out of {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3500.00} out of {$6500.00} XXXX XXXX {$460.00} out of {$1000.00} XXXX {$730.00} out of {$2000.00} XXXX XXXX XXXX {$670.00} out of {$1900.00} XXXX XXXX XXXX XXXX  {$580.00} out of {$2300.00} XXXX XXXX XXXX XXXX  {$59.00} out of {$850.00} XXXX XXXX XXXX {$17.00} out of {$1100.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX  out of {$2000.00} XXXX XXXX XXXX {$0.00} out of {$1900.00}

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 2015-07-02
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I been been late with my payment and tried to get accommodation i was calling them and they said i was to late and now full payment is on demand. They finally told me to try to remodtional my loan and just got the run arond till someone took the time to go over my fininial need. They do n't like to commution via email you have to all and wait XXXX to XXXX mins to get a hold of someone. I reply to the spvr who was in charge of my loan via email and never a reply back. When your in the process of remodation no dept speaks to each and now I 'm getting letters from they mortgage attoney about suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
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:
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 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 2023-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I requested for a credit limit increase for my QuicksilverOne credit card from Capital One. During the application process 7 months ago it was mentioned that a customer can be eligible for a credit line increase if the account is maintained in good standing, not over the limit, paid on time and paid more than the minimum payment. I have done all these things for a period of 6 months going 7 months, however, despite all efforts, Capital One still won't increase my credit limit. I have the card for 7 months now in good standing and remained active. This is one of the unfair and unjust practices of the bank. I am just following their instructions on how to increase my credit line. I hope they will be considerate and do better. Also the fact that I'm currently employed as a XXXX XXXX in XXXX with a very acceptable annual pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am forced to reach out to you for assistance as a last resort. It 's been well over 3 years ago that I closed my short sale successfully and " cleared '' my debt with XXXX XXXX XXXX ( loan # s : XXXX & XXXX ), But for some reason I am still being harrassed by debt collectors from Nationstar ( # XXXX ) trying to collect on a debt that was settled on the shortsale transaction with XXXX XXXX XXXX ( # XXXX ) on XXXX/XXXX/2012. 
They are also falsely reporting this debt to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I have not received any investigation reports. This creditor has reported late payments on XX/XX/2020, XX/XX/2020, XX/XX/2020 to my report which are incorrect and I am asking these late payments be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The Listed Account below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681 US DEPT OF EDXXXX XXXX Account Number 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 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This account is not mine but is reflecting on my credit reports. 

XXXX XXXX XXXX Acct # : XXXX Opened : XX/XX/2018 Amount : {$25000.00} They are illegally furnishing data on my consumer report that XXXX is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.

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 2022-09-25
Company: Experian Information Solutions Inc.
State: IL
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:
The Company XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: EQUIFAX, INC.
State: KS
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:
The following inquiries are fraudulent id theft. please remove from my report XXXX XXXX VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX Phone number not available Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone number not available Requested On : XXXXInquiryType : Individual XXXX XXXX NA VIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XX/XX/2020, XXXXInquiryType : IndividualPermissible Purpose : CONSUMER INITIATED TRANSACTION XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Participant XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : Individual XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX Requested On : XXXXInquiryType : IndividualPermissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIA XXXX XXXX  I have tried contacting XXXX  to resolve this but can not reach anybody.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Debt Management Incorporated
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company keeps harassing me over a debt that was written off over 15 years ago and is not on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2022-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have called Transunion three times to dispute account status information each time the agents either took my information and disconnected the call or, promised to remove or fix such information. Again, Federal laws are being violated, this is my last attempt.

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 2015-07-03
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX XXXX sold my mortgage to Nationstar. With XXXX, I made bi-monthly payments, without issue. They came out the XXXX and XXXX of the month, barring holidays or weekends, which they allowed to come out a day or XXXX late. 
Now that my mortgage is with Nationstar, they send me foreclosure letters constantly, even rhough I never have been late. They state if I want the letters to stop, I need to call their XXXX party company to make bi-monthly payments ( this XXXX party company charges 300+dollars for this service ) or set up autopay. Thing is, I already autopay through XXXX bill pay TO Nationstar on the XXXX and XXXX. Why would I setup another autopay? I am XXXX XXXX XXXX and can not access the internet or telephone while XXXX, so why set up XXXX party phone pay? Also, they stated if I do not pay in full when they want, my money goes into a reserve account until it is fully paid and may not be applied properly to escrow, interest, and principle. 
From my understanding, the original terms of a sold mortgage MAY NOT BE MODIFIED, including disbursement of the payment, how the payment is made ( bi-monthly or not ), or how much payment is made, barring a raise in escrow to cover raise in insurance/propery tax. 
So, please enlighten me ... why are you trying to change the terms of my loan? Why did you buy my loan if you can not accept bi-monthly payments? How hard is it to apply payments properly? These problems are on YOU, not me, and I REFUSE to accept responsibilty for these issues. I had no say in my loan being sold, and I am not to be blamed that YOU can not accept bi-monthly payments because you are a new company ... you are n't. You are post-bankrupt under new management. I amonly with you as long as it takes to finish my current XXXX and then I will refi with a companythat is non profit and knows what they are doing. It is my responsibility to make sure you apply payments properly and to notify you if there is an error, something yhat will be next to impossible to do, since I am put on hold for XXXX min. each tkme I call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: VW Credit
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I submitted paperwork to pay off the lease balance on a XXXX XXXX XXXXXXXX XXXX with Volkswagen Credit and it was received by Volkswagen Credit on or around XX/XX/XXXX. At the time, I was told that I could expect the documentation to be processed and for title to be sent to me within 3 weeks of receipt. Since that time, I have communicated with a representative of Volkswagen Credit at least 5 times. During such communications the time frame for when I could expect title to be sent to me has changed from within 3 weeks, to 30 to 45 days, to 30 to 60 days. As of today, we are at day 50. Volkswagen Credit has indicated that the delay is driven by " third-party vendor issues, '' but have been unable to provide any assurance of a timeframe for resolving said issues. Nonetheless, the delay has caused me to be without approximately {$17000.00} for 50 days and has delayed my realization of the sale of my car. Given highly volatile market conditions and fluctuations in used car prices, this has subjected me to an inappropriate and unreasonable amount of financial risk. I have researched other similar financial services companies and their publicly stated timeframes for lease payoff processing ( to the extent available ) and some as short as 10 days from receipt have been noted. 50+ days is simply commercially unreasonable.

Company response to consumer: Closed with non-monetary relief