BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
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: Account status incorrect

Complaint:
I originally sent in letters on XX/XX/XXXX that show that the " charged off account '' from XXXX was inaccurate on my Consumer report. XXXX has reported this account balance as a loss to the IRS. But they are still receiving payments toward the account balance. Pursuant to US CODE 1681 S2 ( a ), a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. If this account is charged off, then XXXX should not be receiving payments on this account as it was already written off as a loss according to the IRS. Therefore this account is being reported INACCURATELY AND NEEDS TO BE DELETED IMMEDIATELY. I've attached the receipt of my most recent payment to show as well. Furthermore, pursuant to 15 US Code 1681 S-2 ( A ) ( B ) -Reporting information after notice and confirmation of errors - A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, that specific 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 2023-02-07
Company: EQUIFAX, INC.
State: CT
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:
My credit report is showing information that does NOT belong to me. I have reached out and sent the letters and am currently being ignored. I have not received any response from Equifax, XXXX, XXXX XXXX. This information is incorrect and must belong to someone else because I have never lived at the properties associated with said accounts Accounts Listed Below : XXXX XXXX XXXX ( XXXX XXXX  XXXX ) - Reporting on XXXX XXXX XXXX I reached out to the collection agency and they are reporting an address I have never lived at. 

XXXX XXXX - Account Never belonged to me. My Identity must have been stolen and used against my will. It says the account was a paid collection, but it NEVER was mine to begin with. I would like this information removed Immediately. 

I have sent Certified letters to them as they instructed me to do and they have been ignoring me and not giving me any options to call in and handle this over the phone. They are not acting in compliance with the FCRA by not responding in a timely manner and are infringing on my consumer rights Here is the tracking number for all the letters that I've sent. 
XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX  ) XXXX : XXXX ( Received XX/XX/2023, XXXX XXXX  ) Equifax : XXXX ( Received XX/XX/2023, XXXX XXXX XXXX I sent all of these letters on the same day which was XX/XX/2023 As I mentioned I have not heard anything back from them and CAN NOT get them on the phone to discuss what is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I have never filed for a credit card with any of these companies. Currently going through a fraud situation and working with an attorney to clear up all of these matters

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 2023-11-04
Company: Certegy Holdings, LLC
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Confusing or missing disclosures

Complaint:
Certegy Payment Solutions , LLC has denied me to cash a check at XXXX. I called to speak with a representative as to why. I was told I have negative information on file, and that the check is good. They gave me my check business phone number and tried to hurry me off the phone. I got the run around as to what was negative on file, and why they could not cash a check that was more than in good standing. The check was able to be cashed at a different store moments later. The check had nothing to do with why I was denied. I was denied because of myself, however, they can not tell me why. I requested a consumer file disclosure report. This report only had information for the date my check was denied at XXXX, and an approved in inquiry for XXXX. The XXXX check denial has a code ( XXXX ) that states " This transaction received a decline recommendation from XXXX because our records indicate that there is negative information on file, most typically due to a returned check. '' No other information was received, no negative reports and any information as to why they would deny me. Per my rights under FCRA, I am entitled to the information that was used against me to deny my transaction. The company states in their XXXX denial code that a returned check is on file. If this is on file, this needs disclosed. It feels like discrimination. They can not tell me why they deny me, but can deny me. This is wrong, and they are not disclosing what information in my file that is being used against me, therefore they are violating my rights under the FCRA.

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 2022-12-14
Company: National Credit Systems,Inc.
State: GA
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:
After receipt of notification of collection* action the by collection agency ( National Credit Systems ) We responded in writing ( ( XX/XX/XXXX ) disputing the {$400.00} debt and requesting proof/details of same. XXXX did not respond but notified us that they would report the debt to " one or more credit reporting agencies ''. When the collection notice appeared on our reports ( XXXX and XXXX ) I notified them that the debt was disputed and they added the note to our report that it was disputed. I further wrote XXXX on XX/XX/XXXX of their failure to provide the requested proof or to remove the claim. They further responded only with collection invoices and calls and no details.. 

The collection account still remains on our credit reports and has adversely affected our credit scores and record. 


*XXXX  XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the initiator of the collection account tried to bill XXXX XXXX XXXX XXXX XXXX  credit card Iin XXXX of XXXX and that was disputed with XXXX XXXX  as well. XXXX XXXX investigated the dispute and after a period of several months could not get a response from XXXX  and permanently credited her account. XXXX XXXX XXXX never directly sent us an invoice or letter regarding the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2021, I came to my place of residence to a notice taped to the outside of the entry door for public display, I received a call from my neighbor while at work stating that there was a collection notice from JPMorgan Chase bank Suing me for the sum of {$18000.00}. They stated on this notice it was an attempt to collect a debt. Which is a violation of 12 USC 1431. This company has never validated any debt with this creditor. They are also in violation of 15 USC 1692g I am disputing this claim and I am requesting that they validate that I owe this debt. This is not a refusal to pay them. 

They filed this with XXXX county ( as per this letter, on XX/XX/2021 ) but its dated XXXX XXXX. This was not received in a timely manner for me to respond. XXXX XXXX of XXXX, XXXX, XXXX XXXX XXXX XXXX are the attorneys for Chase bank and they have no authority to attempt to collect on this allege debt. They have negatively impacted my credit data and this misleading and false reporting. I am seeking litigation in regards to this matter. They have not provided this creditor with a court date to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been diagnosed with XXXX, XXXX XXXX, and XXXX and i am under a doctors care. The past XXXX years i have been unable to work steady i have fallen behind. In addition the current interest rate on my loan is 6.5 % and had tried XXXX times for a loan modification over the past 4 years and i was denied every time, had i had a reasonable interest rate i would have been able to hang on. I now have a family member that can buy my home from me for the note and stop the foreclosure but need to get in touch with the bank to see if they will work with me thru this process so they can get paid off and I can stay in my home. 
I have been unable to get a contact at XXXX XXXX or NationStar, The servicer, that can help me or put me in contact with someone that can assist me. i need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXDEPT OF ED # XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX  XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXas 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Credit Karma, LLC
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 information incorrect

Complaint:
signed up for credit Karma after divorce to rebuild credit, was informed a soft inquiry would occur, and mislead that pre-approvals would get me cards to increase my credit score and rebuild. INSTEAD, was only approved for 2 of the 6 cards they indicated my chances were excellent and herd inquiries showed on my credit REDUCING or MAKING MY CREDIT SCORE GO DOWN

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a Fraudulent Account on my credit reports for XXXX, Equifax, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX XXXXXXXX XXXX Account number 00 Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$400.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 60 days Late Past due amount {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I visited a XXXX dealership to finance a car. XXXX allows you to view your payments prior to final purchase. I asked my dealer several times if the price they showed me on the screen would be monthly and several times I was assured my payments would be monthly. During my welcome call I agreed to pay extra on my autopay to boost my credit and to pay the loan off faster. After making my first payment, 2 weeks later I noticed I was being charged again. I called Bridgecrest to resolve the issue and they informed me that I was set up for bi weekly payments. I told them this was a mistake and they would not budge, informing me I would have to wait 6 months to adjust my pay frequency. I asked the dealer several times about my monthly payments. MULTIPLE dealers, because I had to leave the one I went to in XXXX since they didn't have the vehicle advertised as being available, forcing me to go to another XXXX for the vehicle I ended up with. I asked the agent on the line when signing my documents if these would be monthly payments. I have reported them to the XXXX previously for this, and they refused to rectify the situation. Over 6 months have passed and I have tried to readjust my pay frequency. 6 months of barely surviving payments I never expected to keep up with every 2 weeks nor agreed to. 6 months of missing only 4 payments and being charged daily interest, so much so that I've paid back triple the missed amount and only touched the interest. In order to not have vehicle repossessed, I have paid even more every 2 weeks. What started out as a promise of $ 192* a month, became $ 244* every 2 weeks, which became $ 303* every 2 weeks. I paid off missed payments to finally readjust my payments ( which was denied ) and was told that payments are based on how often I get paid, and I would've had to pay biweekly for 6 months regardless. I've called MULTIPLE times and this was never explained. Are you telling me monthly was NEVER on the table due to my biweekly pay? This whole time I thought they were just refusing to rectify a mistake they made, but no. No, they first out lied to get me to sign up for something they knew I wouldn't be able to handle. This is predatory!

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: 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 
Sometimes they do not response at all, sometimes they send letters saying it isnt me and they have not fixed the error on my credit report. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this. This is why I need your help!

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 2022-11-01
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NY
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 need to inform you that I am writing to dispute several items on my credit report that I believe to be inaccurate and the result of identity theft. I recently obtained a copy of my credit report from XXXX, and I was shocked to discover these discrepancies, which are negatively impacting my creditworthiness. The following accounts have been identified as unauthorized and were opened in my name :, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX I remain determined to see this matter resolved expediently and accurately. Failure to do so will not be tolerated, and I am prepared to pursue all available legal avenues to protect my rights and financial future.

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: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from my home Insurance company that the insurance was not paid by the mortgage company and therefore my Insurance was cancelled, XXXX took over the mortgage on XX/XX/XXXX and failed to make a payment before XX/XX/XXXX, My current Insurance company no longer operates in California so they will not renew the insurance, My new insurance will now be XXXX an increase of over XXXX from my previous insurance which was XXXX a year

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: 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 have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. I have asked for a debt validation multiple times and have never received verification.

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 2015-06-17
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am in a loan modification through my mortgage company. 
When i started the loan modification, they told me I have to make my payments on time for 12 months and if I fall behind, they can foreclose. 
The loan modification took effect XXXX XXXX, 2015. 
Soon after, I started receiving notification that I was behind on my mortgage. 
I have made my mortgage payment each month like I am supposed to. 
I have called each month and each month they assure me it will be taken care of. 
Then approximately two weeks ago I received a phone call and the representative told me I was behind, I tried to explain to him that it is a book keeping error on their part, but he told me I was wrong and that I was 30 days past due. 
I have researched my payment history on their website and told them what they did is dishonest, but they wo n't fix it. 
They have no interest in fixing the problem, they want to foreclose. 
This is what they did : They took one of my mortgage payments and split it. They applied a large sum to the escrow account and put the remaining amount in a " suspense '' account. 
When I call in and say I want to make my mortgage payment and the representative processes it for me, how can they take my mortgage payment and split it up like that? 
My bank statement shows I have made all my payments, but they took my mortgage payment and applied it to things I did not approve. And where is the money in the so called " suspense '' account? I wrote to you months ago with another issue and explained then, that this is how Nationstar operates. They want to foreclose on our home and are pulling every trick in the book to accomplish their goal. I have contacted an attorney and he said we could join the class action, but it would n't happen quickly enough to save my home, but I could be compensated later. While I intend to pursue that, it does not prevent foreclosure on the home that my children have grown up in. Their growth charts are etched in the doorways, their names carved into the trees, their little footprints in the concrete, all the memories, everything will be lost. This company is disgusting. They are criminals. They are bullies. What is it going to take to stop them?

Company response to consumer: Closed with explanation