BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
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:
I tried to resolve an issue with XXXX XXXX about the incorrect late payments posted on 3 credit agencies I had a loan and I always paid on time - 0 late payment during Covid I called and applied for a forberance and I was told that my payment - during forberance where not going to be reported as late. 
instead XXXX reported me late for 3 times I m now pulling a loan for a mortgage and those 3 late payments are affecting my ability to get a good deal with the Lender XX/XX/2022 I received a letter from XXXX with the verbiage '' the disputed information is accurate as reported " XX/XX/2022 after i re-disputed I have got the same letter XXXX XXXX after a 3rd dispute I have got the same letter they are not doing what they said- they are harming my credit after I was promised three times from them - i called 3 times for the forberance - that i could stay assured NO Late payment were going to be reported as late. 

In 6 year of the life of the loan not 1 late payment- this is on all the 3 agencies credit report what they are doing is wrong and unfair- they need to correct and keep up to their promise!! 

Thank you for reading so far. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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 have filed an ftc report and faxed it over to XXXX  and transunion due to the fact that i am a victim of identity theft. XXXX  and transunion did not respond properly as i have listed the inquiries that was listed on the report as which is on the ftc report. there still there in i find this as a violation and stress due to not having my rights taken seriously ... 

I checked my report and discover inquiries that doesn't belong to me which is fraudulent inquiries. The inquires are 1.XXXX XXXX XXXX 2.XXXX XXXX-XXXX  3.XXXX XXXX XXXX 4. XXXX please XXXX  and transunion remove this information that isnt mind i didnt give anyone perimission to authorize inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Vehicle was turned back in on XXXX, XXXX. All final settlements and payoff were completed by XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX continues to report that payments are still being made through XX/XX/XXXX on Equifax. On XXXX there are reporting payments made through XX/XX/XXXX. On XXXX they are reporting a XXXX on XX/XX/XXXX and payments made through XX/XX/XXXX. 

Incorrect payment status across all three bureaus. 

Account status is inconsistent across all three bureaus. 

Closed ( XXXX ) XXXX ( XXXX ) Derogatory ( Equifax ) XXXX refuses to look into it. Credit disputes have not helped. 

Please remove this fradulently and illegally reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
I had an account with Discover that had been closed for many years but still had a balance that I was paying every month. Then in XX/XX/2020 I received a statement for a balance of XXXX and I paid it in full on XX/XX/XXXX. In XX/XX/2020 I checked my credit through XXXX, the bureau that my bank uses and it showed that my credit score had gone down because Discover had reported me as delinguent for not paying. I called Discover and spoke with a person who gave me her name as XXXX. She took the extra charges off and when I asked her if they would get with the credit bureau and take the false information off she checked with her supervisor and said they couldn't do that and I would have to call the credit bureau myself. I then called XXXX  and after quite a while I was connected to a person who said I would have to file a dispute with XXXX. None of this is my fault. I paid Discover in full the amount they said I owed on the statement and that should have been the end of it since the account had been closed for years. I have worked long and hard for my credit score and don't appreciate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: IL
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 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 2020-12-16
Company: ADP, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Was XXXX from having a XXXX XXXX upon discharge noticed fraudulent transactions called to disputes charges was initially told woyld take 5 to 6 mos called daily weekly until received resolution letter company denied sending letters was asked to send in copy was treated unfaidly and rudely by several employees supervisors had phone hung up on in face letter stated reimbursements only company denied sending letter and re cant reimbursement. as result became XXXX couldnt pay late fees delinquent charges and penalties

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Nationstar Mortgage sent me mortgage statements in XX/XX/XXXX indicating past due balances of more than {$140000.00}, however, Nationstar has deleted the credit line from my credit report. 

OnXX/XX/XXXX, XXXX XXXX 's associate, XXXX called me to inquire if I had an HOA and to verify if it my telephone number was a cell number and if it was ok to contact me on that number. 

Nationstar Mortgage generally refers me to their counsel, XXXX XXXX, to inquire about the status of this alleged account. Nationstar or their counsel will not talk with me referencing this account or advise status. 

I have vehemently disputed this account since XX/XX/XXXX, I have not made any payments or agreed to make any payments. 

N

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 accurate.

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 2017-11-20
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, On XX/XX/XXXX, my wife and I were told by our current service provider that our mortgage payment would not be due until XX/XX/XXXX. I was told this by two different representatives on two separate days. I was told this by two different representatives two separate days At the time the payment looked to be around $ XXXX/month, which was not correct. I 've recorded this conversation from XX/XX/XXXX and attached it to this email. 

Also, we have a tax exemption from XXXX county that should lower our monthly payment when applied. 

We were then told that our payment was due on XX/XX/XXXX and that they would not honor what was told to us. On XX/XX/XXXX they sent me a letter apologizing for the misinformation, but claimed that they can only honor the modification starting date. In the message you will hear the representative tell me we will be up to date on XX/XX/XXXX. Also, this was not the only rep who told us this. However, we recorded this later conversation on XX/XX/XXXX as proof. 

Im just discovering that I cant attach the audio to this email. Please provide an email address for me to attach the audio proof. Thank you! 

Rep : XXXX Ext : XXXX Please let me know if you need any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is about the dispute letter I sent to XXXX  on XX/XX/20 about a medical bill on my report. The account is # XXXX for {$160.00}. I sent a dispute letter to XXXX  telling them to verify these collections and if they could not to delete this from my credit report immediately. They verified the debt with no proof of documentations at all to show it belongs to me. Also I reserve the right to protect the privacy of my personal information and medical records from all third party reporting agencies. I never gave permission to the creditor or company to release my medical information to XXXX. I would like this deleted from my report.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: CA
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 2022-02-28
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX  Account ( XXXX XXXX XXXX XXXX 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 angency can not furnish an account without my written instructions.

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

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: In progress
Consumer complaint received 2023-02-17
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX 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 accounts that needs to be investigated and corrected : 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 2020-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check from my work that was deposited through a Mobil app was stolen out of my car .I originally deposited this check through Bank of America XXXX XXXX on XX/XX/2019. 
Who ever stole the check took it to a bank and was able to cash it. Almost 9 months later after the check was issued to me Bank of America took the money out of my account in the amount of my check which was XXXX. 
The check was a paycheck from XXXX  XXXX  in XXXX XXXX XXXX XXXX harbor way It was a XXXX XXXX issued check signed by the owner of XXXX XXXX XXXX XXXX  XXXX XXXX. I deposited a paycheck in my account thinking it is safe and 9 months later the money from that deposited check is removed, are you kidding me this is not right and that money should be put back in my account, I am not the bad guy in this matter. I have filed a police report with XXXX police department, and have documented everything. 
XXXX should be credited back to my account immediately. I am not a criminal, I have no prior police reports against me of fraud, I am a responsible working class citizen. 
Thank you 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 2022-03-01
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: Account information incorrect

Complaint:
Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my XXXX XXXX. The status is reporting late. I find that strange since I don't recall being late at all as all of my bills are on auto-pay. Prior to submitting this complaint, I have sent over 3 letters to the bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me INCLUDING XXXX  XXXX. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies. Remove these late payments now!

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 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX  , Transunion , and XXXX  credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, XXXX, and Transunion credit report due to my identity been stolen.

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 2023-09-26
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I properly submitted my request to transfer to the new SAVE IBR plan for student loan repayment through the federal student aid website ( which I was directed to by Nelnet 's website. ) On XX/XX/XXXX, the federal student aid website reports that my application was processed. The same document states that Nelnet processed the request on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into Nelnet to confirm my payment was reduced. ( Originally it was set to be {$330.00} in XXXX, the federal IBR calculation placed my obligation at {$54.00}. ) Nelnet has my payment at {$330.00}, still. I called them to find out what was happening on XX/XX/XXXX. While I was on the phone, after I entered by loan information, I received an email stating that my IBR application was in process and that I would be updated in 10 days with another email, regardless. 

It is now XX/XX/XXXX and ( 1 ) I have not received an update email on whether the IBR plan was processed, ( 2 ) I have attempted to call for an update but have remained on hold for ( so far ) 1 hour and 40 minutes ( and counting ), and ( 3 ) the Nelnet site still has my obligation at {$330.00}, due in two weeks. 

I am exasperated by this process and there is no way I can afford that payment. Please help. 

For reference, my student loans are under my maiden name ( XXXX XXXX ), my loan number through Nelnet is XXXX, and the last 4 of my SSN are XXXX. My current legal name is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CAVALRY INVESTMENTS, LLC
State: PA
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 never applied for credit with these companies, and believe these accounts may be the result of identity theft. I have disputed the information before, and they didn't do a reasonable investigation at all. I have sent the necessary FTC affidavit to the creditors and collectors, and they still have not removed the accounts! HELP ME!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

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