BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NV
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:
XX/XX/2022 - XXXX XXXX ( closed accounts ) account was paid in full. I've disputed this sevral times. 

XXXX XXXX XXXXXXXX XXXX Not my account, no response from the bank. 

XX/XX/2022 - XXXX XXXX XXXX0} disputed and response was not giving within 30 days. This isn't my account XX/XX/2022 - XXXX XXXX XXXX XXXX XXXX  Remove, this isn't accurate. I never filed bankruptcy

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: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

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 2022-03-07
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: Personal information incorrect

Complaint:
For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes.

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves black box algorithms which filter according to categories such as numbers of changes of phone numbers.

Such black box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act.

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 States a consumer reporting agency can not furnish an account with my written instructions which
none of the three major credit reporting agencies have obtained from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
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: Information belongs to someone else

Complaint:
IN XX/XX/XXXX MY INFORMATION WAS USED to open a lease from a creditor named XXXX XXXX XXXX XX/XX/XXXX my identity was stolen and used for unemployment benefits, the thieves also tried to apply for multiple items via internet but was unsuccessful due to me putting a freeze on my credit report, but before i could freeze my credit report i had accumulated a total of 3 unauthorized / fraudulent inquiries which are from XXXX XXXX / XXXX XXXXXXXX XXXX. i do have a XXXX XXXXXXXX account but some one else tried to apply for another XXXX XXXXXXXX card with out my permission. I have reported all incidents to local and federal authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Capital One Bank to have the Hard Inquiry removed from my credit report from XXXX XXXX, XXXX. I was XXXX  at the time and did not apply for credit with them. This is some type of fraud/identity theft issue. They did not agree to remove the inquiry. i send them proof of XXXX  at the time in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-13
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The home owner had medical issues and moved to XXXX. Her daughter and family stayed in the home and were responsible for paying all expenses. The son in law lost his job of 15 years and daughter lost her business due to the recession of the economy. They had tried to get assistance, however they tripled the attorney fees and they were unable to bring the mortgage current. They applied XXXX times for loan modification which they were told they lost and did n't get the paperwork. The home owner decided to put the home on the market which did not get any offers due to the marketing and pricing. I worked with the home owner for over a year and we finally dropped the price significantly and got a written offer which was submitted on XXXX XXXX, 2015 along with updating and complete all tasks in XXXX. I was told through an email on XXXX XXXX that they denied the short sale. NO EXPLANATION. I called the lender today since they were closed for the holiday and was told they did not have enough time to review the offer and will not stay the foreclosure date until they offer is reviewed. They did not even offer the home owner the option for Deed In Lieu or assistance to the tenants to relocate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: CITIBANK, N.A.
State: FL
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:
I have received several inquiries from banks such as XXXX XXXX and XXXX XXXX that I have not made.

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: Experian Information Solutions 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:
I noticed damages on my credit report. According to the 15 U.S.C1681 law, there should not be any damages to my report. This is a deformation to my character.

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 2023-06-20
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a Chime debit card. I never signed up for this account.. I contacted to customer service. I was told that this will be escalated to management.. They did not ask for my name or information.. Man with a heavy accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax Extended Alert contact number. 
On XX/XX/2017 I setup an extended fraud alert with Equifax. 
the contact number XXXX XXXX XXXX provided on the extended fraud alert is not accurate. 
I initially contacted Equifax and they claimed to have fixed the issue but the number is still XXXX XXXX XXXX. 
It needs to be updated to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I called my mortgage company the other day to request a loan modification packet and they told me that my home was in active forclosure which is the first I have heard. I am behind on payments, but never revcieved anything from the mortgage company regarding foreclosure or a notice to cure debt before a certain date to avoid it happening. It is my understanding that this process is to occur prior to going into foreclosure. Once again this company has wronged me. This is not my first complaaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am responding to the response I just received from case # XXXX, Nationstar Mortgage. They indicate that my loan is in foreclosure and no portions of the amount due will suffice. only the full amount. This is truly a case of predetory lending since my loan became delinquent in XXXX XXXX and in XXXX I sent a payment, in XXXX/XXXX/15 I sent a payment and I sent XXXX more all totaling {$11000.00} and they were returned way before my loan supposedly went into foreclosure. One of the representatives that I spoke to whispered to me on the phone, '' if you want this to stop, call an attorney ''. The reason that I have not called in an attorney yet is that I thought I could handle something like this on my own. Obviously I was wrong. I need you to see this for what it is. ILLEGAL. 
Why woulda mortgage co. not accept payments on a loan that is three months behind? This is what I want you to find out for me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXX, XXXX XXXX XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without 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 2015-10-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint against Nationstar Mortgage LLC, in its continued " misconduct '' ... against its illegal attempt to take our home..for its undue enrichment. 

Please find attached. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Paramount GR Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I'm a XXXX XXXX XXXX  on a fixed income and when I was quoted XXXX and was reluctant to pay that much, my salesman said after the XXXX rebate check given ( which I haven't received and its in my contract ), and 26 % back in taxes, It'll go down to XXXX and I was okay with that. I even wanted to make sure my goodleap papers said it, but they deceivingly worded it in such away that I have to come up with 26 % in 18 months or it goes up. I don't have internet hooked up and they wont come out and hook it up to my solar and my first electric bill after hookup was XXXX and over XXXX each month thereafter not including my monthly solar payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: TX
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 writing to express my deep dissatisfaction and frustration with the multiple attempts I have made to rectify and remove fraudulent items from my credit file, all of which have been met with limited success. Despite providing detailed information and supporting documentation, the fraudulent entries persist, adversely affecting my financial well-being and causing undue stress. 
I have diligently followed the procedures outlined in your dispute resolution process on numerous occasions, submitting the required documentation and clearly outlining the inaccuracies. However, my efforts thus far have been in vain, as the fraudulent entries remain on my credit report. 

Despite my multiple attempts to address the fraudulent items, they have not been adequately investigated and resolved, raising serious questions about the effectiveness of your dispute resolution process. 

The persistence of these fraudulent entries continues to have a detrimental impact on my creditworthiness, hindering my ability to access financial products and services on fair terms. 

The lack of clear and timely communication from your bureau regarding the status and resolution of my disputes has further compounded my frustration and dissatisfaction. 

I hereby request the following actions to be taken urgently : I urge you to conduct a comprehensive and expeditious investigation into the fraudulent items on my credit report, considering all the evidence and documentation I have previously provided. 

Upon confirmation of the inaccuracies, I insist on the immediate removal of the fraudulent items from my credit report to mitigate further damage to my financial standing. 

I expect clear and consistent communication from your bureau, providing updates on the progress of the investigation and the steps being taken to resolve the issues. 
I request that your bureau takes proactive measures to prevent the recurrence of such inaccuracies in the future, ensuring the integrity and accuracy of credit reporting. 

If my concerns are not addressed satisfactorily within the exact timeframe from the date of this letter, I will have no choice but to escalate this matter to relevant regulatory authorities and seek legal counsel to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I understand the importance of accurate reporting, and I appreciate that credit reporting agencies play a crucial role in maintaining the integrity of credit information. However, it is equally important to consider the context of financial challenges that may arise, especially when these challenges are temporary and do not reflect a refusal to fulfill financial obligations. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau updates the reporting of the late payment dates to accurately reflect the current status of the account. The reporting should indicate that the account is up-to-date since it has been paid. This correction is vital to ensure the fair and accurate representation of my credit history. While there were lapses in payments due to unforeseen financial circumstances, it is imperative to note that these late payments were eventually rectified and brought up to date. Despite the temporary setbacks, the account has since been paid, and I expect your bureau to accurately reflect this on my credit report. 
XXXX  XXXX XXXXPLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I trust that you will conduct a thorough investigation into this matter and promptly make the necessary corrections to my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). It is my right as a consumer to have accurate and up-to-date information on my credit report, and I expect your bureau to uphold these standards.

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 2023-11-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company violated FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: In progress
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
After repeated attempts to collaborate with both state and federal compliance agencies to address the predatory appraisal practices of the Texas XXXX XXXX XXXX XXXX, I am filing a formal letter of inquiry and complaint regarding the flagrant, open, unbridled, unsanctioned and negligent misrepresentation of the XXXX & XXXX agencies that are charged with safeguarding with following federal and state mandates to safeguard home owners. 
The XXXX XXXX, XXXX & XXXX are complicit in acts of moral turpitude by their lack of XXXX federal guideline enforcement that are within the scope of influence and this tax payer funded state agency. 
I have attempted to bring transparency to the injustices committed from the XXXX XXXX XXXX XXXX XXXX agency that fails to discipline violators of the XXXX federal and state guidelines and I have been met with nothing but open defiance and deniability. Either the state agency that I have reached out to for assistance has stated that their Non-Disciplinary measures are within state guidelines or the agency denies culpability and responsibility for the licensed associates in their organization. 
As I have received nothing but dismissive responses to my repeated inquiries it is my civic duty to bring the open and flagrant violations of the XXXX & XXXX agency as well as the performance of Executive Director XXXX XXXX to the attention of every state, federal, executive, legislative and judicial branches until someone takes immediate intervention to stop these predatory violations of constitutional and consumer rights here in Texas

Company response to consumer: Closed with explanation