BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX 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 604 Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-04-27
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 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 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: OneMain Finance Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a large payment, my XXXX payment to my new credit card. My balance was {$2000.00} ( over the limit by {$21.00} ) So I made a payment of {$1000.00} via the app using my checking account info saved on file. The payment was applied to my account, the balance on my credit card reflected the payment, funds were taken from my bank account and cleared. Yet, the company says there is a 14 day hold on the payment and I can't use my card. There is nothing in the XXXX XXXX XXXX about the 14 day hold or how payments are applied

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX complaint on this mortgage. The first complaint was filed XXXX XXXX, 2015. 
I am still attempting to short sell the property with little to NO cooperation from the mortgage company ( Nationstar ). Since my last complaint, Nationstar asked me for an estimate on the damage to the property from the previous tenant. My agent submitted the estimate within 5 business days. Then they come back and require that I file an insurance claim on the damages, despite the fact that it is a townhouse. When there is no one living in the unit, there is nothing but liability/structure insurance on the unit. The coverage does not include interior damage from neglect. This is clearly stated in the covenants but Nationstar insisted I file a claim through the HOA. I filed the claim with XXXX XXXX. However, they are 2.5 weeks behind in claims and can not send anyone out until XXXX XXXX. Nationstar has been made aware of every step we have taken and we have jumped through every hoop they have required. They have already denied XXXX cash offer and it appears they are attempting to deny another. 
My agent contacted Nationstar ( via equator ) on XXXX XXXX to let them know there was another cash offer on the property. However, the offer could not be uploaded because " the portal was not open ''. We have YET to get a response from anyone from Nationstar. They have ignored our attempts at contact and submitting the new offer. When contacting the investor, XXXX, and making them aware of the current situation, they advised that they felt " Nationstar was not allowing the new offer to be submitted because the foreclosure date is so close ''. 
I have done EVERYTHING to short sell this property instead of letting it foreclose. Nationstar has been dragging this out and putting up barriers since XX/XX/XXXX despite having XXXX CASH offers on the unit. I have done everything they have asked of me ( and my agent ) and they have resorted to simply not responding at all. I am trying to fo the right thing and not let the property foreclose. The foreclosure date is set for XX/XX/XXXX, despite the fact that there is a current cash offer on the table. Anything you can do to help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Alorica Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Morning : A gentleman called and asked for a manager. I replied what is this pertaining to? He stated I am looking for " my name '' then he said a woman that is not me. I said no. Then he says is this " my name '' and I said yes. He continued to say he was a XXXX Processor and I need to deliver papers to you. I asked again what is this regarding? He states I am not able to discuss this with you, I am just the processor. I stated Please send me documentation to this address and I will contact them from there. He stated that they don't send mail. I proceed to say, but you will deliver it? He stated are you at " place of work ''? I said this is a business, do not come here and stop calling. I also said if you show up I will call the police. 

Afternoon : A women called and again asked for a supervisor. I asked yes, what is this regarding? She began to speak aggressively and said is this " my name ''? I said yes and she stated that we need to serve papers to you and I need to get your location to serve you. I stated well what is this pertaining to? She said I can not talk about it that is why I need your location and the processor will serve them to you. I stated that well the gentleman that called said he was just a processor and that you, NCO Financial | Debt Collection Agencies | XXXX, would be able to tell me details. I also stated that I would like this in paper and ail it to me and I would be happy to look over it and go from there. She messed up on her script and said we never send mail because of covid. I said so you personally deliver papers because of covid? I believe she was surprised that I knew what this was about because it isn't the first time someone confused me as the other person. She then started yelling uncontrollably and said that I was ridiculous and said that she will go to the CEO and she would not stop calling. I said you will stop calling and if you or anyone from your business I will call the police. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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 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 ) 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 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 2023-06-15
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX XXXX XXXX XXXX, 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 a 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 explanation
Consumer complaint received 2019-11-20
Company: Kriya Capital, LLC
State: MS
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:
Today, I received a notification that a new collection had been added to my credit report. I have just had this collection removed from my credit report under a different company, XXXX XXXX XXXX  ( Complaint # XXXX ), and before that from another company, XXXX XXXX XXXX XXXX XXXX ( Complaint # XXXX )! Both of the complaints resulted in a deletion, and I have attached the documentation from the company verifying these deletions. Now, it is showing back up under Credence Resource Management, even though each time companies report it, they can not verify the information. I will be including Credence Resource Management in this complaint and a separate one for a debt collection violation. 

As for the current situation, 611 ( 5 ) ( b ) ( i ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), requires the companies that furnish the data to verify the debt when it is reinserted, which did not happen in either of the previous cases. Likewise, 611 ( 5 ) ( B ) ( ii ) - ( iii ) require the credit reporting agency provide a notice letting me, the consumer, know of this reinsertion. Two other companies have provided letters deleting the debt due to the inability to validate. However, this did not occur in the previous case, and likely is not going to occur now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents 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 2023-07-12
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
XXXXXXXX XXXX  account number ending in XXXX with a balance of XXXX dollars 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 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 ) 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 explanation
Consumer complaint received 2015-06-12
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After calling Nationstar Mortgage XXXX number there are no clear instructions about how to get a hold of a live Customer Service person. I had to go through a complete maze of entering numbers and finally had to blast my phone with rapid XXXX and # # # # to get someone on the line. Then when someone answered and I told them of their horrific system they got downright nasty with me!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Upgrade, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My wife made a online purchase for vitamins for XXXX dollars this company charge my card card that amount but continue to keep charging my card. I called my credit card company as soon as I realize what was going on. And told them what had happen I was charged XXXXAfter the 1st charge I inform the card company and told them it was fraud. I have been trying since XXXX to get a refund the merchant kept giving me the run around and never refund me on cent. At first the credit card company put the money back on my card while they investigated the charges.They asked me for a receipt but I told them I never receive one it was done over the phone online. In the meanwhile in that 60 day period I never received my package so I asked the credit card company to help get all my money back. unfortunately in the 60 day time limit I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so i missed the time i was i could not appeal and i was liable for the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hello, I have contacted XXXX, XXXX, and TransUnion about removing the alleged medical debt under {$500.00}. However, each agency has not done so and refuses to. On top of this issue, two out of the three providers locked me out of my account after my formal request. Please let me know how I can remove these debts and also please hold these companies accountable for their lack of service. Please see what information I was able to access after numerous attempts to contactact/dispute this information. 

Account Number : XXXX Ballance : {$100.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$3.00} Alleged Date Opened : XX/XX/XXXX Account Number : XXXX Ballance : {$44.00} Alleged Date Opened : XX/XX/XXXXXXXX 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 2020-06-18
Company: Experian Information Solutions Inc.
State: DC
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:
In reviewing my credit report I noticed a couple of discrepancies. Subsequently, I reached out to XXXX and inquired about the status of my loan during the time that the delinquencies were reported XXXX XXXX XXXX & XXXX XXXX ). Their correspondence to me confirmed my initial thoughts which were that my account was in forbearance beginning in XXXX of that year until XXXX of the same year, 2018. After receiving their correspondence I wrote to have the two delinquencies retracted from my credit history. Their response was that they would not remove the inaccuracies because the delinquencies occurred before the forbearance start date. However, as indicated in their previous correspondence my forbearance spanned from XXXX till XXXX and the inaccurate reporting occurred in XXXX and 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 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 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 2022-09-26
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX a fraudulent chargeoff was added to my XXXX equifax, and XXXX credit report by XXXX XXXX  I disputed the original chargeoff which was reported on XX/XX/2018 as a chargeoff but its been reported three differentways. I received a brand new chargeoff reported on my experian, equifax and XXXX credit report after 4 years of the original chargeoff. As a result of this brand new chargeoff being added to my credit report even though the account is closed my credit score went down almost 100 points. FCRA gives me the right to validate and dispute any inaccuracies on my report without retaliation. This is a fraudulent chargeoff. I called the credit companys they said no chargeoff was added which is a lie. It shows a new chargeoff on on XX/XX/XXXX and all my fico and vantage scores went down 50 to 90 points. This is retaliation. FCRA says this is illegal ( section 623 ) protects me from this tactic. This chargeoff needs to be removed immediately it's fraudulent and retaliation. I disputed the original XXXX account because on all three credit reports it is reporting XXXX different ways which is an inaccuracy. XXXX XXXX retaliated against me by adding a new chargeoff 4 years later which is illegal reporting tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello Sequium Asset Solutions , LLC : Happy New Year! Im confused XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: EQUIFAX, INC.
State: KS
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:
Equifax is reporting information regarding Hard Inquiries without my written consent. Regarding the Hard Inquiries t listed on my consumer credit report. I am demanding Equifax provide me with a wet signed contact giving all furnisher lawful rights to add Hard Inquiries to my credit report pursuant to 15 USC 1681b ( C ) ( 3 ). If Equifax is unable provide me with my written consent pursuant to Fair Credit Reporting 15 USC 1681b ( C ) ( 3 ) I am demanding all Hard Inquiries be remove Immediately.

Violations : 15 U.S.C. 1681b ( C ) ( 3 ) ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Company response to consumer: Closed with explanation