BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I previously filed a complaint which is active. They are now asking for information that has already been submitted to them in the original complaints again. Are they not even thoroughly reviewing what is sent to them from the CFPB? Why are they continuously asking me to submit the same information. It is almost like a stall tactic.

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 2023-09-06
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 was the first and last time Hunter Warfield contacted me via email about a debt they claim I owe, I replied on that same day and told them I dont owe the debt nor know about it, when I told them that I never hear from them again. However, Today XXXX XXXX when I refresh my credit report, I see Hunter Warfield on my XXXX and XXXX credit report under collections out of no where ; after 4 months of no communication. I contact them via email to provide me proofs that I gave them authorization to access my file because that is illegal for someone to authorize/ put inquiries on my file without permission they later then ignored my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Experian Information Solutions 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:
XXXX XXXX Department : Remove fraudulent accounts from my credit 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX DATE OPENED XXXX Contact info XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX Bank XXXX has reported late payments unlawfully. They are in violation of Fair Credit Reporting Act. 

15 U.S.C. 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are transactions and experiences that are not to be reported.

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 2023-10-06
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection : RENT RECOVERY SOLUTIONS , LLC , Is completely fraudulent. The date of first delinquency is crazy! I researched that contacted the company XXXX XXXX XXXX XXXX XXXX and found that the company does not even have a record of me at that address. This company is either purchasing fraudulent debt or fabricating debt to target peoples credit files to extort them of money. This company tried this a few years ago and it was deleted. Now from all of a sudden you XXXX are the only credit company that is again adding this XXXXXXXX  to my credit report. 

I purchased a house in XXXX XXXX ( XXXX XXXX ) in the middle of that year. I never stayed in an apartment and arrived in XXXX area in XXXX to search for a house, not XXXX! We stayed in a hotel! 

Please see the attached home purchase contract. This is very wrong and abusive what XXXX has done here. This is not accurate, fair, nor correct. You all have damaged my life and health in a very real way and you are putting me and my baby at risk of being homeless and you have prevented me from getting the funds I need to treat my life threatening illness! 

FCRA and FDCPA says that a credit collection company can not collect in a state that it does not operate in. Rent Recovery is not in Texas! Its a violation and this must be deleted! 

Rent Recovery must stop purchasing fraudulent debt and bullying people they have the most complaints against them in the industry because they are horrible predators. 

I ask you XXXX to provide details steps and explanation about how you verified this account? You have been asked before and could not, because you are not doing investigation you just allow this monster of a company to prey on consumers. 

If this account is not deleted both XXXX and Rent Recovery will be sued for violations and I will seek damages. 

See my birth certificate and my signature sample. You all will be held accountable for the suffering me and my child have endured! Comply with the law and remove this inaccurate fraudulent account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Nationstar Mortgage and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX   have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for Nationstar Mortgage provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX   maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement, Nationstar and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act The XXXX XXXX XXXX Bank Account 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TransferWise Ltd
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hi I was applied for wise account, the account was verified and I was order the card but after some time my account was deactivated when I try to appeal they are saying that you can't appeal. 
Kindly help me to resolve my issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've have disputed this account with Franklin Collections Services last year in 2019 and they didn't have sufficient information to come after me for debt because the debt isn't mine.Once it was proven debt wasn't mine the company ceased collections and removed negative information off my credit report. Now I see XXXX bought this debt from Franklin Collection Services from a portfolio of paper ( debt ). Its my understanding that its illegal and a violation if debt was deleted from my credit report and reinserted from another company? My attorney XXXX XXXX XXXX, XXXX, Florida told me that if any company try to buy that debt and try to collect to let him know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2017-08-07
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. I have my home property at XXXX XXXX XXXX, XXXX, GA, XXXX. 2. Since XX/XX/XXXX Nationstar Mortgage is handling the service of collecting mortgage. 3. My LTV on the loan is 71.7 % as of today. 4. Nationstar Mortgage should have removed the PMI under Automatic Termination by Mortgage Company as per HPA Act of 1998.
5. Nationstar Mortgage did not remove the PMI of {$77.00} cents when the loan LTV reached under 78 % automatically.
6. Each time, one person talks and does not understand this. 7. I wrote 3 letters to the President and he does not care to remove it, busy becoming XXXX XXXX. All the documents are with them and with me too. On XX/XX/XXXX, I reached under 78 %. The original Disclosure statement on PMI states the Automatic Termination of PMI under 78 % is XX/XX/XXXX. Nationstar Mortgage is not replying to the 3 letters I sent to its President, CEO, Chairman. They have to refund the excess amount of XXXX collected from me from the date I reached under 78 % that is XX/XX/XXXX. In the case XXXX Vs XXXX XXXX XXXX XXXX, the U.S. District Judge XXXX XXXX , a Pennsylvania federal judge has clearly given a Judgement that even a loan is modified, the original contract, the original PMI Disclosure Statement is part and parcel of the original contract and another Disclosure Statement based on the modified loan can not be given. Nationstar Mortgage was referred the above Judgement, still they are not refunding the excess collected from the date the LTV reached under 78 %. My loan account number with them is XXXX. Thanks XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whom It may concern, On XX/XX/XXXX  I went to look at my credit report. I have all these Inquires and none of these I recognize and I did apply for any of these cards or have access to any of these accounts. This is fraud / inaccurate. I have contacted all 3 major collections agencies and with little help from them which is why I was referred to come here since this is all not authorized by me in anyway and I'm just trying to make my credit score accurate for me and my family. I will attach documents from transunion, XXXX and XXXX  so you can see what I am referring too. I also tried to contacting some of these companies directly who gave me the run around.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23
Company: Avid Acceptance, LLC
State: VA
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 received a bill due in XX/XX/2019 for XXXX or XXXX dollars paid that and was reported 30 days late by Avid acceptance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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 2023-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THIS IS A LIST OF FRAUD INQUIRIES XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX  XXXX INQUIRY DATE XXXX Removal date XX/XX/XXXX XXXX INQUIRY DATE XXXX Removal date XXXX XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

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 2023-06-27
Company: Experian Information Solutions Inc.
State: MO
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, XXXXXXXX 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 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 2021-12-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX  XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$43.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Balance : {$70.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$3100.00} ( Original Creditor : XXXX ) XXXX Balance : {$200.00} ( Original Creditor : ) XXXX : {$97.00} ( Original Creditor : ) XXXX Balance : {$370.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
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:
I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. Most of these accounts do not have an address or name attached in order to dispute the inaccurate repot.. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Remove all late payments and change the payment status to current because of Cares Act. 
XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report. 
Account Number : XXXX Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX  Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists. 



4. FDCPA section 807 Violation False or misleading representations.

Account Number : XXXX  Please remove it from my credit report.

5. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX 15 USC 1681 ( a ) you are in violation with my rights and information you want to be private thats posted on your consumer report is a VIOLATION and infringing on my right to privacy. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.

Company response to consumer: Closed with explanation