BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NJ
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2023-01-06
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: Information belongs to someone else

Complaint:
On XX/XX/2020, National Credit Systems INC. reported a delinquent account to my credit report. They said an apartment complex called XXXX XXXX XXXX XXXX  in XXXX XXXX XXXX  retained them to collect an amount of {$3200.00} owed to them from me in back rent. I live in XXXX XXXX XXXX XXXX XXXX during the time of the lease in XXXX XXXX XXXX also a victim of identity theft ( I have a report for this ).. I contacted the company after seeing the account on my credit report and I emailed them a copy of the police report, I emailed them a lease for my home in XXXX  for the dates the lease was signed in XXXX  I also sent them paycheck stubs from my XXXX XXXXXXXX  during those dates as well its been over a year going on XXXX years since Ive emailed those things and the company will not remove the account from my credit report. Im now XXXX  because no one will rent to me with owing a previous landlord!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We found this house in 1996 for XXXX got switched to Nationstar and had to start paying our own insurance which they said they would do. We refinanced once because they told us it was in our best interest. Which we did but lost all the paper work in hurricane XXXX have tried many times to refi with the rates so low. Going thru bankrup got a bill for XXXX plus they are now saying we owe XXXX plus the XXXX on a XXXX year old loan for XXXX something somewhere is very wrong. Any advice or help would help us out the pressure and XXXX is horrible.

Company response to consumer: Closed
Consumer complaint received 2021-03-18
Company: EQUIFAX, INC.
State: AZ
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:
Equifax, what you are doing is clearly illegal. we are now at 60 days since my original dispute and you now barely say i did not supply sufficient identification. In my original dispute i provided a notarized affidavit confirming my identity as well as a drivers license and bank statement. 30 days later after no response I sent I also sent a follow up letter. Today in response have mailed a copy of everything plus a w2 and a additional letter addressing these games you are playing. I will also be filing a complaint with the XXXX and If I have to the attorney General. 

Original CFPB complaint : " Someone please help! I have reached out to Equifax multiple times and they never get back to me. on XX/XX/XXXX I sent a letter disputing all that was wrong with my report. Along with it like recommended o their site i sent a copy of my Id and a notarized letter confirming the dispute. I never got a response and they couldn't tell me anything over the phone. I sent my original dispute on XX/XX/XXXX. That's 51 days! A month later on XX/XX/XXXX I send another letter demanding the investigation results. Still nothing! CFPB please step in and help with this. I understand covid may delay things but this is ridiculous and I doubt its legal ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: CREDIT ACCEPTANCE CORPORATION
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was repairing my credit and i found a auto loan on my name in the sum of XXXX where there no repossession or payments make to this loan..i have sent letter to the company and never got a response and i also have dispute this debt for the last two years or so and they are refusing to remove it fron my credit and it causing me a lot of hardship with me trying to get my life in on track

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 2018-10-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Rather than respond to my disputes listed below, Equifax removed a promotional block from my credit file XX/XX/XXXX, then claimed on the very same day ( XX/XX/XXXX ) it couldn't find my file to place a fraud alert THAT I NEVER REQUESTED ... Please see the included mail. This violated the FCRA in the most ridiculous ways ... How is it that the core disputes are not addressed at all ... This smacks of a delay tactic ... 

ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX {$94.00} not mine XXXX XXXX not mine XXXX XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: AZ
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-04-18
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
CFPB Writeup I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.

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 2023-04-18
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally financial I have my car financed with Ally Financial and my account number XXXX Car details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I refinanced my vehicle through XXXX XXXX XXXX XXXX and they have sent the payoff check via XXXX on XX/XX/XXXX, XXXX tracking is XXXX and XXXX shows it was delivered on XX/XX/XXXX at XXXX and signed for by XXXX XXXX 
Check # XXXX amount {$50000.00}. 
My complaint is : Ally financial has not taken any action to payoff my vehicle, the customer service employees have very poor service and they dont have any information about the check or the whole situation and they dont have another number for their financial team who supposedly received the check and get my car payed off. 
Please help me to resolve this issue. 
Best Regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: EQUIFAX, INC.
State: IL
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've noticed that some accounts have been reported to my credit that doesn't belong to me and I've been trying to work with the credit bureau since XX/XX/2020. My name is a common name and they were reporting a person with similar name and they were able to help me to correct most of them and removed from my credit, but XXXX XXXX, they insist that those two accounts are mine ( both accounts are closed but one has a balance of {$12000.00}. I called XXXX XXXX to try to find the account providing my social security and they weren't able to find any account under my social, and now they are sending me to a collection and this is affecting my credit. 
I have been told them that my name is different that the name that they are sending the letters, also the addresses that appear on my credit are from another State that I have never lived there. XXXX XXXX send a letter on XX/XX/2020 telling that they've verified the accounts an that I was making payments from XXXX  XXXX XXXX and XXXX XXXX accounts which is also incorrect. I don't have any account with any of these institutions. These two accounts belongs to somebody that have similar name and as you can see on the attached letters the name is not my correct name. I will ask you make a deep investigation in this issue as I've been trying to fix it since XXXX and this is affecting my credit score, some companies are reducing my limit and I can't open new accounts. This information is been reported to the three bureaus. 
Credit card companies must have different forms of ID 's on their file to prove that the information is correct. I can proof that I have never have any XXXX XXXX in my life and I won't open one in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been disputing 2 accounts on my credit report since XX/XX/2018! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!

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 2023-12-05
Company: Experian Information Solutions 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 strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2021-04-12
Company: Ocwen Financial Corporation
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: Account status incorrect

Complaint:
My Mortgage Company and I have had a tumultuous relationship since they bought my Mortgage Contract from another Lender in 2006. I'm sending now as back-up, a letter I had written to CFPB on XX/XX/XXXX. It seems the letter had been ignored my the CFPB because it did not adhere to the preferred 'complaint protocol '. 

The letter details a history of my ongoing relationship with my Mortgage Company ; OCWEN/PHH, now in its 15th year. Although a recent Court Case prompted OCWEN/PHH 's removal of a Foreclosure and spurred a Loan Modification, OCWEN/PHH had decided to create a fictitious debt which they are exploiting on their Monthly Statements. 

It is my guess that this fictitious debt serves to keep me in a 'default ' status, since my refusal to pay it will give them cause to compound the amount until it appears I am in the wrong. This fictitious amount is shown as a line item on my monthly statements, and it is named : XXXX XXXX ', in the current amount of {$1000.00}. 

Please refer to my attached Letter, and PHH Statements for additional 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 2021-03-18
Company: NAVY FEDERAL CREDIT UNION
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Did not receive any merchandise, received an email ( see attached ) stated : There was not enough supporting documentation or evidence to move forward in the dispute process. As of the date of this notification, we closed your claim. Called customer service, claiming once the claim is closed, then it is closed, there isn't any way to re-open it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: MEGASTAR FINANCIAL CORP
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My loss mitigation application has been on going since last year. I submit them an application and they keep on asking documents which I have been explaining that we don't have those documents like business tax returns, profit and loss statement etc. Keep telling them that the business closed since 2018 which is the reason of hardship. this is the third time sending them application because they keep closing them due to missing documents. My application is not moving forward and not going anywhere because they keep asking the same documents. I dont think they would like to help me save my house at all. They are making the issue worse instead of helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: PENTAGON FEDERAL CREDIT UNION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I had nothing but trouble with this credit union since I opened the account. The first problem was they allowed someone to link their account to my account and did multiple external transactions which they did close that account and open another and refunded the money, the second problem was they allowed someone to do a take over of my account and do multiple XXXX transactions to themselves or whomever the person is and basically told me that it was my boyfriend and they couldn't do anything about it a totally of XXXX XXXX plus dollars gone and they did nothing but tell me oh well your problem and third and final problem is yet the same thing they allowed someone to link their account again to mines and did multiples external transfers to themselves totalling XXXX XXXX plus dollars once again got told that it was my problem cause I didn't answer the phone when they called. I don't even want the account anymore I just want my money back and they can closed the account. They don't investigate the problem and think just because the quote on quote device use is supposed to be yours they just say no error occurred. They might can get over on a older person but I am young and want all of my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
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: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX  Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: NY
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 hope this letter finds you well. I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. These inaccuracies are adversely affecting my overall credit standing and have a significant impact on my credit score. 
I recently obtained a copy of my credit report from your bureau and discovered several accounts that are inaccurately reported due to fraudulent activities. The presence of these fraudulent accounts is unjustly damaging my creditworthiness, and I am seeking a resolution to rectify this situation. 
Below are the details of the disputed fraudulent accounts : XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 
These fraudulent accounts have a direct and negative impact on my overall credit score, making it difficult for me to secure favorable terms on loans or credit. I believe that, according to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of inaccurate information from my credit report. 
I kindly request a thorough investigation into this matter and the prompt removal of the disputed fraudulent accounts from my credit report. I understand that, under the FCRA, you are obligated to investigate and correct any inaccuracies on my credit report within 30 days.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: TX
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-05
Company: Experian Information Solutions Inc.
State: PA
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:
See document 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