BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: Westlake Services, LLC
State: NC
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:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX and Experian are erroneously reporting a bankruptcy on my credit report. I have disputed this several times. XXXX is the only bureau that complied to my request. I have a XXXX reporting allegedly from th

e U.S. Bankruptcy Court, which is false. In addition, per FCRA Laws 15 U.S.C 1681 section 602 A. States I have the right to privacy. AND 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions my rights were violated.

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 2019-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
After two courts in Arkansas closed the lawsuit brought against me by XXXX XXXX, the last one being an adjudication in my favor because of Arkansas court procedures rule 41, I requested the three major credit bureaus to correct my file. This has still not been done and the fallacious claim against me is still in my files. 
Please note that there is an item for collection from XXXX XXXX for {$1600.00}. I inquired XXXX about the origin and specifics of the amount and they could not provide any reasonable information of how they arrived at the amount, nor would they give me any logical accounting, history, or progression of alleged amount owed. 
XXXX since has filed two law suits against me. The first one was dismissed and closed in XXXX per order of the XXXX XXXX District Court ( XXXX XXXX, Arkansas ) and the final one was dismissed and closed in XXXX by the XXXX XXXX Circuit Court ( XXXX XXXX, Arkansas ). The second dismissal was from a voluntarily dismissal from XXXX attorneys a few days after I responded to their suit. Under Arkansas law ( Rule 41 ), any voluntary dismissal operates as an adjudication [ regardless of the wording on the dismissal ] on the merits [ of the defendant ] when filed by a plaintiff [ XXXX ] who has once dismissed in any court of the United States or of any state an action based upon or including the same claim '' [ and it can not be refiled ]. Therefore, by law, there is no longer any basis for any claim that XXXX may have against me. The case has been adjudicated and closed by the XXXX XXXX ( Arkansas ) Circuit Court,  ruling in my favor. According to the State of Arkansas, there is no longer any basis of claim. This ruling has been upheld in another case by the United States Court of Appeals, Eight District in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. vs. XXXX XXXX, XXXX ). XXXX claim should be stricken from all credit bureau records, as it has been from the Courts records. The complete documents can be viewed at : XXXX I am requesting the removal of both XXXX, XXXX XXXX and the XXXX, XXXX XXXX alone ( since it is the same claim ), as this fallacious claim is damaging to my credit and reputation and the three credit bureaus are partially responsible for the damages.

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 2017-04-26
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I complained repeatly and demanded to correct violations and Nationstar Mo rtgage, LLC did  not take action to correct problem s. Nationstar is a servic er only, pursued the goal of foreclosure on behalt of the  XXXX  or  XXXX  that no real interest in the alleged loan, has no standing to foreclose on my property. I try to resolve problem by applying for loan modification through the  XXXX   XXXX   XXXX   ( H UD  ). In three  months, I was requested for the application ( R MA ) three tim es, plus other required documents repeatly and no single point of contact. On  XXXX   XXXX  and  XXXX   XXXX ,  2017 , I wa s requested to resubmit the third RMA and other documents. While my mod is under " Review '', Nationstar insiste d go ahead schedule for trustee sale on  XXXX   XXXX ,  2017 , which is next week. Nationstar advances for servicing-related expenses fees-such as attorneys ' fees, escrew.force-placed insurance charges, and foreclosure-related expenses. This misconduct and behavior of Nationstar are not acceptable, but they are acceptabls for a disgrace legal system with the judges who are partners with the banks except a few who have fundamental right. They trade human suffering with profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2021 XXXX, XXXX XXXX mailed a letter about things on my credit report that is inaccurate and not mine. as of today, it has been over 60 days and I have not got a update. It seems I am being taken advantage of and my consumer rights are being violated ; several violations are taking place. The law states that if a investigation is not complete in 30 days, thats a reason for the items to be taken off of my credit report. Delete these items from my credit report immediately because section 611 ( a ). If these items are not deleted immediately I will file litigation due to the damages and stress inflicted on me. These items are inaccurate and do not belong to me. I have been denied credit and jobs because items that are not accurate are being reported. This has crippled my ability to care for my family and no one seems to care. My rights have been violated and still are being violated bureaus who have to power or authority to report anything about me unless I give them permission. I have not given my consent to furnish anything about me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B.

The identified transactions are not information related to any transaction by me as the consumer ( see attached )

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 2023-08-28
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 


If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2017 Balance : {$8100.00}

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 non-monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX JXXXX 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 2020-10-01
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to CFPB compliant # XXXX and the company 's response to my complaint. NCS ( National Credit Systems ) did not provide the supporting documents as requested via to my e-mail or by certified mail within 30 days under federal law. NCS claimed to have mailed on XX/XX/2020 the documents to the address given in my e-mail and it came back as returned?? Provide to me the evidence.. It's very simple, prove to me that the documents were send to me within 30 days as you state. NCS can't because there is no supporting documents and the debt is invalid and they know it. NCS has violated federal law on every level and I hereby demand the debt be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Switching Servicer ( s ) ( Ocwen to PHH to XXXX ) during a loan modification : 1 ).  Original complete loan modification application was submitted, received, and acknowledged by Ocwen ( see attachment ), 2 ). Switch ; Ocwen to PHH on or about XX/XX/2019, 3 ) Switch ; PHH to XXXX on or about XX/XX/2019 ... 3 servicers switches during the last 6 months. This " switching '' caused NO SINGLE POINT of contact as provided by California Civil Code Section 2923.7. During this " process '' repeated phone calls, messages, long phone waiting times, dropped calls, being " transferred '' to other customer service reps and/or escalation managers ... I did NOT have a single point of contact and/or a decision maker made available to be by Ocwen or PHH or XXXX. In fact my only source of updates as to my foreclosure status was directly with XXXX XXXX as evidenced by the attached XXXX XXXX customer service reps emails. 

Dual Tracking - Foreclosure Ban : Ocwen, PHH and XXXX have continually and willfully violated California Civil Code Section ( s ) 2923.6, 2924.11 & 2924.18, the prohibition of " dual tracking '' contained in the Homeowners Bill of Rights ( HIBOR ) when they ( Ocwen, PHH XXXX XXXX XXXX conducted a scheduled foreclosure ( Trustee 's Sale ) of my home. 

I DID NOT receive any written loan modification decision from Ocwen or PHH or XXXX. The XXXX letter dated XX/XX/2019 ( see attached copy thereof ) was the FIRST mention of a Trial Period Plan that I was made aware of. As such, I did not have my legal rights to review said loan modification ( 14 days ) and/or appeal said loan modification decision ( 30 days ). Moreover, I was informed by XXXX XXXX " trustee sale date was cancelled with no current sale scheduled '' and by said XXXX letter " As of the date of this letter .... there is no foreclosure sale scheduled. '' Clearly, deceptive business practices as a Trustee sale notice was recorded on XX/XX/2019 ( see attached copy ). " Rest assured, we are here to assist you with any questions or concerns you may have " ( XXXX letter dated XX/XX/2019 ) is a false statement. 

Verification of right to foreclose - I have not yet been provided with requested written verification from XXXX pursuant to California Civil Code Section 2924 ( a ) of legal rights to foreclose against my home. 

Robo-signing banned - Pursuant to California Civil Code Section 2925.17, I have NOT yet received requested written verification of the accuracy of said foreclosure documents. 

My legal rights under Federal and HIBOR laws have been continually violated in plain sight by XXXX with no remorse or accountability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I refer to Nationstar letter dated  XXXX   XXXX   ( copy a ttached ) and wish to state as under  : 1. ) They say I got a Loan Mod as  of  XXXX   XXXX . In fact I had already mentioned about it and also stated that, that was not under HAMP. It was an in-hous  e Loan Mod.
2. ) Hence I was fully eligible for a HAMP Loan Mod. and submitted a Complete HAMP Loan Modification Package, which they confirm having rece  ived on  XXXX   XXXX . Now they are conveniently saying that it was an " incomplete package '', without ever mentioning what was missing, before the  XXXX   XXXX  deadline.    3. ) If it was, incomplete, then are they not supposed to ask immediately, as to what was missing? When my 3rd Party called to enquire about the status, instead of asking for any missing documents, they were only being told that I am not eligible for a Loan Modification, as I am regular with my payments.     4. ) Now, they also admit that they made a mistake in not reviewing my Loan Mod under HAMP, until  perhaps  XXXX   XXXX . How can they make such a big mistake and now turn back and say t hat HAMP exp ired on  XXXX   XXXX  or the package was incomplete, when they had my complete package by  XXXX  and no missing document request was ever sent to me before  XXXX   XXXX ?    5. ) Wha tever docs. requested through the  XXXX   XXXX  letter and subsequent letters were all submitted promptly b y my 3rd part y.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: NV
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:
Equifax resinserted inquiries and a address that was removed from my equifax credit report over 1 year ago. Equifax reinserted the inquiries and the address even after the data breach. Per FCRA laws equifax was supposed to inform me within 5 days of the reinsertion along with documentation that confirms why the inquiries was reinserted. I filed a dispute directly with equifax concerning the inquries and Equifax did not bother to reinvestigate. The same day I disputed the inquiries equifax sent me the same pre-ready response saying " verified ''. I filed a complaint with FTC and sent the report usps certified mail to eqiufax. The address that was removed eas : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That address does not even show on XXXX XXXX file. I sent equifax a copy of that a while ago. I have attached the FTC report to this complaint. This has caused me to be turned down for increases and credit with XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: LEXISNEXIS
State: WI
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 is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Child support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I discovered that the same accounts 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 corrected : XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a creditor called XXXX there are 4 accounts on my credit file totalling around XXXX for student loans from XXXX XXXX back in 2001 according to XXXX  these accounts are closed and have a XXXX balance but transunion refuses to put that on my credit file they argued with me and said yeah they are closed but you still have a balance they will not report the right information these are not even my student loans they said I went to XXXX XXXX but I went to XXXX XXXX in XXXX Co I've tried explaining this to the department of education as well and have not gotten anywhere except a run around. but I would like transunion to report the right information

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 2023-08-08
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/, I contacted Federal Student Aid and logged a complaint that my XXXX loan has been forgiven through borrower defense however it is still showing a full balance on my credit report. Additionally, my account was never transferred from XXXX XXXX XXXX to XXXX and I wanted to know about the finalization of my loan being forgiven and if applicable, any refunds that I am to receive. 
On XX/XX/, I received a reply from a representative of XXXX, XXXX XXXX, that my request is being reviewed. I was informed to allow up to 30 days for it to be reviewed and if I have not received notification of review after 20 business days that I may check the status by replying to the e-mail. 
On XXXX I have not received any updates from XXXX in regards to my account and contacted XXXX via the e-mail originally sent to me as requested to inquire about my credit report, refunds, and account. 
On XXXX I reached out again after not receiving a reply from XXXX. I informed XXXX that I have passed the 30 day period within the guidelines of Reg V for the fair credit reporting act and would like to at least know an update on my credit report since I believe XXXX has violated Reg V guidelines. 

I am still waiting for a reply from XXXX and therefore reaching out to CFPB for help.

Company response to consumer: Closed with non-monetary relief