BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-09
Company: SLM CORPORATION
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:
Hello, XXXX XXXX XXXX reported on my credit twice and I only have one account open with them. I want them to delete on of the Items off my credit and keep only one Item on there that matches the amount of accounts I have open with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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: Old information reappears or never goes away

Complaint:
Back on XX/XX/2022 I sent a XXXX letter to Experian Credit Bureau to remove my old addresses from my Experian Credit Report. My old addresses still appear on my report. XXXX tracking number XXXX. 

Experian stated they properly investigated my dispute, but how is that possible when all these old addresses still appear on my credit report. This grounds 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 A Section 2 : It also states a consumer reporting agency can not furnish an account with 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 2021-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The following items are inaccurate on my credit report and are causing me stress. I would like them to be removed because these accounts are affecting my credit reporting in a major way and at the same time are costing me thousands of dollars every year. I am listing the inaccurate accounts below and also will be attaching the letters I sent out before filing this complaint. 

1 : XXXX XXXX ACCOUNT NUMBER : XXXX this account is inaccurately reporting to my credit 2 : XXXX XXXX ACCOUNT NUMBER : XXXX This is account is also inaccurately reporting to my credit profile. 
I would also like to add that I have filed a complaint with the federal trade commission and the better business bureau because these accounts are not mine and are reporting to my credit inaccurately causing me stress and money. 
my FTC report # is : 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 2023-06-23
Company: KPL Select Mortgage Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2023 I began the purchase of a new home. I chose KPL Select Mortgage INC, to begin the process of my mortgage. XXXX XXXX was the loan representative and XXXX XXXX his assistant. During the process of my mortgage there were several misrepresentations which were revealed mostly at the end when the paperwork came to sign. I was going to borrow just over half of the purchase price and finance the rest. During this time, I was quoted a loan amount with no knowledge of points for a buy down or that I would be told at the closing that an escrow was established for new Trust Deed Loan. The wording said I qualified for the new Trust Deed Loan without any financial impact ever discussed. I also received paperwork that I was offered 3 loans with different points and interest rates which had never been discussed prior. I am not familiar with a Trust Deed Loan and since I was putting almost 50 % down I didn't worry until XX/XX/2023 and I logged in now a different mortgage companies ' website, XXXX, that they had purchased my loan. I signed documents which conflicted with this information at the closing that said I was being service by a XXXX XXXX XXXX XXXX XXXX, though I had also signed a document which said XXXX XXXX  XXXX was the lender. During the loan process I was told I had no escrow, but at my close they added an untitled escrow amount on one of the documents for this " Trust Deed Loan '' of {$54.00}, along with other proposed property payments which were not going to be escrowed. This was the only document which hinted at a different monthly payment then the other documents. I did call XXXX XXXX about the discrepancies but he said that what we had discussed was true and there was no escrow and the loan was not going to be transferred to another company. I signed my closing documents on XXXX for the XX/XX/XXXX closing. This {$54.00} for 360 months was not clear on my documents which had conflicting information and represents {$19000.00} in payments for some product I received no information on and was not made aware of financial implications in the documents I signed. The monthly payment in all the documents did not include this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off : XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX for XXXX XXXX Hospital the majority of medical bills I had except one. I was under the impression that medical bills are not suppose to be a negative strike against the credit score but it has affected my credit score tremendously lower it. 

XXXX XXXX/XXXX paid in full but still showing owed and a negative against my credit score XXXX XXXX paid in full but still showing owed and a negative against my credit score Delenquent Recovery paid in full but still showing owed and a negative against my credit score Navient and the United States Department of Education I am still in school and my student loans are due to be until XX/XX/2026 but it is showing a negative against my credit score ALL THREE CREDIT REPORTING AGENCY ARE CONSISTENTLY LOWERING MY SCORE AS I PAY OFF AND DISPUTE DEBTS!!!!!!

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 2017-04-07
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi my name is XXXX and I 'm writing in cause i was lied to about my opinions to save my home through the government program called harp i told that the program had ended and disputed that cause i had received lots of information from harp telling that i qualified and do n't let my morage company tell me that i do n't i told my rep at nationstar only to be told that is program had stoped and no longer exist which was totally not true i told him that i wanted to save my home and that did n't believe what he was telling me but i when out looking for someone to give me a second cause my home was given to me by my mom and it was paid off which i sent him the proof in an email and i only borrowed XXXX which my ex wife stole from me I 'm really trying to take care of this my one opition is to go into my XXXX and another fund at my job or harp or file bankruptcy but i do n't want to lose my home and i want to be told the truth about the programs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX NA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Soft inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX SC XXXX XXXX XXXX Inquired on XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX and XXXX more EXPERIAN Inquired on XX/XX/XXXX EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX and XXXX more EXPERIAN Inquired XXXX XX/XX/XXXX EXPERIAN XXXX XXXX on XX/XX/XXXX and XXXX more XXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX and XXXX more XXXX Inquired on XX/XX/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 2022-03-04
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
US Bankruptcy Court Maryland chapter XXXX-dimissed XX/XX/XXXX, and US Bankruptcy Court Maryland chapter XXXX-discharged XX/XX/XXXX, XX/XX/XXXX, therefore, please remove these erroneous reporting from all three credit reporting agencies, XXXX, XXXX, and Experian 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 2022-10-11
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXXXXXX XXXX XXXX, Account # XXXX, XX/XX/XXXX XXXX XXXX  XXXX Account XXXX, XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, Account XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, 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 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 to furnish a account without my written instructions n 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 known or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions 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:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

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 2021-07-12
Company: Velocity Portfolio Group
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 have these accounts that does not belong to me and i want them to be remove from my credit asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.

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 2023-10-12
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: Account information incorrect

Complaint:
I am writing to dispute inaccurate information that appears on my consumer report maintained by your agency. The inaccurate information pertains to the account type, account status, date opened, and payment status and it is adversely affecting my creditworthiness and financial standing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information reported by consumer reporting agencies. Upon reviewing my credit report, I have identified the following discrepancy : XXXX XXXX Acct # XXXX -Account type innacurate. 
-Account status innacurate. 
-Date Opened inaccurate. 
-Payment status innacurate. 

I request that you investigate this matter in accordance with the FCRA guidelines. Please delete or correct the inaccurate information from my consumer report as soon as possible. Enclosed with this letter are copies of documents that support my dispute. [ If applicable, provide any supporting documents such as payment receipts, letters from creditors, etc. ] I kindly ask that you promptly conduct a thorough investigation into this matter and notify me of the results within 30 days, as stipulated by the FCRA. If you find that the information is indeed inaccurate, please remove it from my consumer report and provide me with an updated copy of my corrected report. 

I appreciate your prompt attention to this matter and your adherence to the legal requirements outlined in the FCRA. I trust that you will handle this dispute with the urgency and accuracy it deserves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: DApps Platform, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Please see the attached Rebuttal Letter regarding Ombudsman CFPB. 

Subject : My complaint letter for your attention Email body : To whom it may concern, Please be advised that I have been scammed by a fraudulent company and individual and the payments were authorized and proceeded by your organization. 
I have attached my complaint letter for your reference, I ask you to treat this matter seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: EQUIFAX, INC.
State: MI
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:
Capital One is reporting this closed account as if it is still active and being used today. It has been closed and " charged off '' for years yet they continue to add new reporting dates and balances. This is a scam, and this account is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Delete this account. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
12. there is some inaccurate information reporting. 
XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
15. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
17. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from 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 2017-04-06
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took out a mortgage loan in XXXX with XXXX. Which was sold in XXXX to XXXX XXXX XXXX who then sold it to Nationstar in XXXX. In XXXX we did a modification with Nationstar. Recently my husband and myself reviewed a copy of our credit report only to see for the last 2 years Nationstar has been reporting inaccurate data to the credit bureaus. They are reporting that my husband and I are anywhere from XXXX XXXX to XXXX XXXX behind in our mortgage and 30 to 60 days late. It depends on which report is pulled at the time. Also when the mortgage was modified we were told what the new loan amount would be. They also have it showing on our credit report as if we are over limit on out loan. It shows loan balance XXXX XXXX then it shows highest balance XXXX. This was all included in our modification. I feel this information is wrong. It is making my husband and myself look like we are people just trying to get over when we are actually 2 people working hard to give our kids a better life. This is Defimation of our character and credit worthiness

Company response to consumer: Closed with explanation