BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: TN
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 recently ordered my consumer report from annualcreditreport.com. Upon arrival, I noticed that Equifax has placed a total of 25 inquiries/accounts on my consumer report that violate FCRA federal laws. I sent in my identity theft report and demanded that all 25 inquiries/accounts be blocked and removed from my report because, I, the consumer and natural person, did not consent to, authorize, nor benefit from any of those inquiries/accounts. Every inquiry and account that I sent them are violations of the following sections of the FCRA. 15 USC 1681 ( a ) ( 4 ) ... 15 USC 1681 ( 2 ) ( a ) ( i ) ... 15 USC 1681 ( 2 ) ( b ). It's also another violation because I never gave Equifax my written permission to furnish any of those 25 items on my consumer report. As a consumer, I am demanding that all 25 be removed. I sent the company certified mail, so I know when all of the information was received. I have proof of my entire consumer report. I have proof of certified mail with all documents that I sent to Equifax. I have proof of when they received the documents.

1. The request to block was not made in error.

2. The request to block was not based on material misrepresentation.

3. I, the consumer/natural person, did not consent to, authorize, or benefit from any of those accounts/inquiries. If I received goods or services, I need them to have a senior executive certify under the penalty of perjury that I have in fact received goods or services as a result of any of those transactions.

Please be aware that I am very familiar with the FCRA laws that govern Equifax and the rest of the consumer reporting agencies. I know that Equifax is now civilly liable for all violations under the FCRA federal laws. Under the civil section the amount per violation is {$1000.00}. I am demanding compensation for those violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: LEXISNEXIS
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:
I have call lexis nexis they provided with a letter that they deleted the chapter XXXX from t their data base XXXX got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: KeyBridge Medical Revenue Management
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2021, XX/XX/2021 and XXXX XXXX, I XXXX XXXX asked Key Bridge to provide me with validation that I owe them an alleged debt. 

KEY BRIDGE responded XX/XX/2021 and another letter which they failed to date. These letters did not provide me of proper proof that I owe them any debt. 

KEY BRIDGE has continued to furnish false and fraudulent information on my credit report. 

FDCPA requires all violators of the law to pay those consumer they willfully violate. 

KEY BRIDGE has violated several laws including using symbols on mail, mail fraud, racketeering, refusal to send information they have of me, false representation, failure to disclose alleged contracts, communicating with me without my consent, refusal to cease communication, violating HIPPA and more. 

KEY BRIDGE believe they are above the law which is proof by their consistent fraudulent activities.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Klarna AB
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I made a purchase for {$990.00} on XX/XX/2019. Klarna loaned the money for the purchased at 0 % interest and $ XXXX monthly payments. I was offered automatic debits to avoid missing the monthly payments. I set up auto payments. In XXXX of 2019, I went on the mobile app and scheduled an early payment in advance of the reoccurring auto debit. The $ 55 monthly payment was withdrawn from my checking account but Klarna also attempted the autodebit after this payment. Since I had already paid the monthly payment, the second payment was returned by my bank because there wasn't enough funds in my checking account to cover an additional payment. Klarna charged a returned payment fee of {$25.00} to my loan account. I reported this to them via the mobile app text. The customer service agent said it didn't matter if I made the payment early, the auto debit would still withdraw. I went back and read through their disclosures and at the time there was no information that had stated clearly how early payments would impact reoccurring auto debits. Like most companies, when a monthly payment obligation is made, there is no reason to proceed with an autodebit. So I had no reason to think Klarna was any different. They added this disputed return fee to the next autodebit and withdrew {$80.00} from my account the following month. I stopped the autodebit service and at the end of the loan, I left a balance of the fee. I contacted Klarna again and explained why I was leaving the unpaid balance and that I did not agree with their policy. I paid back the entire {$990.00} loan, with the exception of the fee. In the months since, they had added approximately {$150.00} additional late fees to that fee I refused to pay and continue to send me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: SYNCHRONY FINANCIAL
State: TN
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 disputed this account that appears on my XXXX and XXXX credit file with SYNCB/BP multiple times. Each time they respond that the account is being reported accurately across multiple credit bureaus which is totally incorrect. Some details : XXXX I disputed I was never late on this account and they in turn Updated Paymt History, Modified Add'l Info, Scheduled Paymt, Last Activity, Acct History. 
XX/XX/23 I again disputed and they in turn Modified Add'l Info, Actual Paymt, Scheduled Paymt. 

I have since noticed the payment is being reported as Late 60 Days across a variety of sources and listed as Variable/Adjustable Rate in comments which is incorrect. Account type listed as " revolving '' on one and " charge card '' on another.

It is not my job as a consumer to find this companies errors. 

I have disputed this account multiple times with all three credit bureaus and they have failed in correcting the erroneous information. Since they continue to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, as a military service member I demand deletion of this account as this violates Fair Credit Reporting Act, FCRA section 611 and FCRA section 1681. Request your assistance in ensuring this action takes place. Thanks.

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 2021-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/2021 over 60 days ago I mailed a letter to this debt collector that showed on my consumer report due to identity theft. I have tried to resolve this matter by mailing in the necessary paperwork but my request are being ignored. Under FCRA it stated that request would be done within 30 days this is well past that time and my patience.

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 2023-11-20
Company: EQUIFAX, INC.
State: CA
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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: In progress
Consumer complaint received 2023-11-20
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XX/XX/2023.

Company response to consumer: In progress
Consumer complaint received 2021-10-21
Company: EQUIFAX, INC.
State: NY
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:
PLEASE BE ADVISED THIS IS MY FIRST WRITTEN REQUEST, The unverified items listed below 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 the information is mine and is correct. In the Results of the first investigation,, you stated in writing that you " verified '' that these items are being reported " correctly '' Who verified these accounts? You have not sent me a copy of ANY original documentation required under Section 609 ( A ) ( 1 ) ( a ) and Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it .and under Section611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified ACCOUNTS : XXXX ( {$550.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX XXXX ( {$460.00} ) # XXXX, XXXX  XXXX XXXX ( {$850.00} ) # XXXX INQUIRIES : XXXX  XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This Compnay continues to report that Im late on my credit report when it says that its closed. I have written them numerous letters for them to stop and they continue to report as if I owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: FL
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 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$200.00}

Company response to consumer: In progress
Consumer complaint received 2018-09-16
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/18 I made my regular online payment and selected from the online box provided, labeled " additional principle payments '' for an additional principle amount to be made in the amount of {$100.00}, in addition to my regular monthly payment due. The additional principle amount was not applied to additional principle as I selected but applied to unapplied funds account. I caught this later days after making the payment and called Mr. Cooper to get that error corrected. The next month, XX/XX/XXXX, the exact thing happened. This time with a {$50.00} additional principle payment ( Mr. Cooper applied to unapplied funds account and NOT additional principle as directed ). I called and was assured this would not happen again and the issue was taken care of. The next month, XX/XX/18, I made an additional principle payment amount of {$300.00} and the payment was allocated properly. On XX/XX/18 I made my regular payment and again directed another amount ( {$9100.00} ) to be applied toward additional principle. I send an online message confirming that it would allocated properly since I've had a history of issues with the additional principle payment NOT being properly allocated. This is the secure message I sent : " Please make sure the additional principle payment I made today gets allocated properly and is credited into additional principle. Please confirm. '' They then took it upon themselves to reverse both payments I made and apply the entire payment ( both the regular monthly payment and additional principle amount ) into the ONLY principle amount. I checked the account XX/XX/18 to find that my payment was reversed showing that the regular payment was not made and that the payment would be late soon in 2 days as a result of this careless error. You can plainly see that no where in my message did I direct that my regular monthly payment and the additional principle payment be added together and applied totally to additional principle only. I talked to a manager on XX/XX/18 who said that it would take 24 hours for my regular monthly payment to post and I would not be late. Here are the reference ID 's they gave for my call on XX/XX/18 : XXXX ( that is an employee ID ) and ID : XXXX. They should have immediately posted this payment the correct way, not give me 2 conflicting times when they thought that someone might get around to correcting the error ; 24 hours and 2 business days. Their stance was that I directed them to reverse the payment in my secure message to them following my regular monthly payment and additional principle payment on XX/XX/18 which I clearly did not. Furthermore if they were confused, which they clearly have a history of, they should of contacted me for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
Wired {$10.00} to my Regions checking account 0n XX/XX/21 from another bank to determine if the transfer information setup was correct. It did work but I found when receiving my statement they had charged me {$15.00} dollars fee for the wire transfer of {$10.00} when receiving my monthly statement. Called the Regions XXXX XXXX XXXX and tried for an hour to speak to management ( in meeting ) until they transferred me to a local bank who manages my account. XXXX XXXX, bank manager upon answering told me the {$15.00} dollar charge had been removed. The refund was correct but I felt that if I and others do not read the monthly statement carefully the charge or overcharge would not be noticed since I did not know about the charge until I saw the entry on my bank statement.To me this is a deceptive manner in conducting banking business. Depositing money in ones banking account by any medium should be free or no strings attached unless clearly advertised/notified in particular before the wire transaction is initiated.

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 2023-01-13
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 XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I demand that these account be permanently deleted from my credit file

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 2018-09-18
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In Jan.XX/XX/XXXX, I had a $ XXXX loan with XXXX XXXX XXXX as the Trustee for XXXX XXXX, with Mr.Cooper as the servicer.Mr.Cooper increased my mortgage from $ XXXX to $ XXXX in XXXX and I attempted two very long and unsuccessful attempts at a modification but both were denied because the underwriter incorrectly used the {$14000.00} payment as part of my DTI ratio. They also informed me that there are no more interest only loans, which I know to be false. 
I know DOJ reached a settlement with XXXX XXXX and $ XXXX of the settlement was to provide relief to American Consumers and is expected to be primarily in the form of loan modifications and other assistance to homeowners. I certainly fit into that group. 
I have paid over {>= $1,000,000} on this loan since XX/XX/XXXX but can not possibly afford $ XXXX. I am not sure why they would want to foreclose on me, which they are getting ready to do. 
Thank you for any assistance you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For XXXX XXXX Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

Company response to consumer: Closed with explanation