BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: UT
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, and # 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 instruction.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: GA
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:
XX/XX/2022 I sent out a letter to the credit bureau Experian asking them to investigate my account to make sure my account was 100 % accurate. They received my certified letter XX/XX/2022. Here is the tracking number XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 is when I received an email that my account status was ready. The credit bureaus said that my account was accurate I am very confused because my account has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. The documents will confirm the inaccurate things that are highlighted yellow. This is grounds for removal. They violated my rights under 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604A section 2. States a consumer reporting agency can not furnish a account without my written instructions Another thing is they didnt use the time wisely to give a full investigation I have been trying to dispute many accounts with them for a while now and keep ending up with the same results. I still havent received my mailed updated credit report either as I asked in the letter regarding the investigation. 

XX/XX/2022 is when I placed a report to the cfpb to Experian for the inaccurate accounts and on XX/XX/2022 they responded back by confirming that the accounts was 100 % accurate and that they will not reinvestigated the accounts that are inaccurate unless I have proof of inaccuracies. Which I have shown them but they are choosing not to look into my accounts at all. The accounts still has inaccurate account types, inaccurate date opened, inaccurate # of months, inaccurate high credit, inaccurate last reporting, inaccurate comments, inaccurate date last active, inaccurate date of last payment. So how is it 100 % accurate if all of these are not matching up with the other credit bureaus? I have been disputing these accounts for months now and they are not properly looking into the accounts at all. The attachments below show that they are not doing there jobs at all.

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 2022-06-05
Company: EQUIFAX, INC.
State: TN
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:
There is a XXXX credit card loan and balance on my credit report that is not me. I filed a report With XXXX and equifax for fraud and identity theft. I contacted XXXX on XX/XX/2022. I contacted equifax a few days later and they froze my credit report and social security number. I contacted XXXX XXXX on XX/XX/2022 and they deactivated my credit card. The credit card loan balance is {$14000.00} and it is not from me. There is an address on file for my credit report that is not me. The address is from XXXX XXXX and it is not one of my addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
As a previous claim was made, and closed by the Bank of America, I specifically asked them to reopen my claim. There is a fraudulent tool that calls people using the id of any institution, and my call came from BOA. I never had a XXXX account and the man named XXXX XXXX BOA explained someone was trying to withdraw {$890.00}. Of course, we believed him, and using the same verification of id by asking us to repeat the XXXX digit code sent to our cell phone, we repeated it to him. He then proceeded to open a XXXX account, and transfer the money out of our account. Not until the next day when we went to our local bank did we find out BOA had not called us. This is completely unacceptable to us. We are honest long time BOA customers, and feel they should have some type of protection for us. Please research this again since we could sure use the {$890.00}

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 monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed below : 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 2023-05-24
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:
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 U.S.C 1681. ACCT Name : 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 XXXXXXXX, 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 2022-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
The credit bureas are reporting hard inquiries that DO NOT belong to me.

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 2023-11-28
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to file a formal complaint concerning a serious matter of inaccurate reporting and potential violations of the Fair Credit Reporting Act ( FCRA ). After conducting a thorough review of my credit report, I discovered multiple collection accounts attributed to a company with which I have never held an account. 

To address this issue, I initiated the following actions : Verification Letter : I sent a verification letter to the company, LVNV FUNDING , LLC, through their representative, RESURGENT CAPITAL SERVICES. This letter requested documents bearing my signature to confirm any agreement with the said company. 

Request for Back-Up Documentation : In addition to the verification letter, I requested any supporting documentation demonstrating the existence of an account with LVNV FUNDING, LLC. This includes evidence that I granted permission for the company to furnish information to the credit reporting agencies. 

Affidavit of Truth and Cease and Desist Letter : I submitted a detailed Affidavit of Truth along with a cease and desist letter, urging the immediate cessation of all calls and collection efforts until proper documentation is provided. XX/XX/ Verification of Licensing : I provided evidence that LVNV FUNDING, LLC is not licensed as a debt collector in the state of Pennsylvania, where I reside, raising concerns about the legitimacy of their actions. 

Despite these efforts, both LVNV FUNDING, LLC, and the credit reporting agencies, specifically XXXX and XXXX, continue to report the disputed debt without adequate verification. XXXX removed the accounts upon dispute. This ongoing listing is not only inaccurate but also infringes upon my rights as outlined in the Fair Credit Reporting Act. 

Title 15 USC Chapter 41 Consumer Credit Protection Subchapter III Details of the Violating Entity : Company : LVNV FUNDING, LLC Representative : RESURGENT CAPITAL SERVICES Address : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
LVNV Funding Breaking the law LVNV Funding sued me for a debt that I had requested more than 5 times for them to confirm that this debt was mine, I sent my letters certified. They never responded and then would just sell the debt to their other companies names, XXXX was called Resurgent Capital Services. I actually sent them verification/ validation letters as well. And again they never validated the debt. 

Even when they served the paperwork at my sons house by putting the paperwork on the front door, the information on that is wrong as well, They have an address that is more than XXXX XXXX XXXX with the current charges before being charged off. How do I know that that this is my account, nothing seems right. They actually fraudulently changed the address on the paperwork, it is incorrect and all invoices are mailed to me. 

Lvnv funding breaking the law Examples of false or deceptive statements XXXX XXXX are not allowed to falsely claim or imply that : Documents that they send you are legal documents if they arent- lvnv funding falsified documents and left on my sons front door, I have never lived at that address. I hired an attorney who did not do their job. I told them LVNV never verified.

Also the person that LNVN hired would call and say they have a gift for me. Yea right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions Inc.
State: AL
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:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations 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 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/2014 I was approved for a FHA XXXX modification and a KEEP YOUR HOME CALIFORNIA REISTATEMENT GRANT. I was sent a copy of the approval, monthly payments that I would be making, interest of 43/4 and was waiting to receive the loan docs. On XX/XX/2014 I had already made two trial payments and was informed by the loan servicer that my loan docs were sent to me by mail, I also received a phone message that my KYHC file was being closed because my loan servicer had opted out of giving me a loan modification because I had not provided them a document that had been requested and I no longer had a loan modification. I contacted my loan servicer and was assured that I no document was missing and my loan modification was secure and that KYHC had opted out and would not be offering any financial assistance to reinstate my loan. I tried to explain to KYHC that I did have a loan modification but KYHC refused to contact my loan servicer and sent me an email that when I start making more money I could reapply for assistance. This information was false, once my loan modification docs are signed KYHC will not offer a home owner assistance. I recently filed a complaint against KEEP YOUR HOME CALIFORNIA with the California XXXX and again I questioned my loan servicer who still maintains that they did not opt out of accepting financial assistance.. KEEP YOUR HOME CALIFORNIA addressed my claim but the story has changed slightly. They maintain that an opt-out document was received from my sevicer and that an opt out can be decided for no reason or any reason. I want to also state in my claim that my loan servicer treated me just as bad. A {$35000.00} balloon payment was never stated or was addressed when I received the preliminary approval for the FHA HAMP loan .I wanted the fees explained and asked why this was never mentioned. My loan servicer refuse to discuss the balloon payment or itemize the amount I was being charged. A debt counsler that I had been assigned to called my loan servicer and a three way conversation was held. The request again was made to itemize the {$35000.00} and the servicer agreed. I was then told that the late payments added up to {$22000.00} which I already knew and that the rest were fees. I got nothing. I than received a letter from my loan servicer that due to my inquiry an adjusted fee was discovered and now my balloon would be {$37000.00}. New loan docs were mailed to be signed and notarized again. Also, soon after my first mortgage payment I was informed that my new payment would now be {$79.00} more due to a rise in taxes. My loan servicer decided the value of my home would jump from {$140000.00} to {$190000.00} and was well aware that my taxes had been hiked. So you see I have been treated very bad and both of these agency are pointing the finger at each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Home American Mortgage Corp
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I've now missed two closing dates XX/XX/XXXX and XX/XX/XXXX due to no negligence on my part. The underwriter is refusing to approve my loan in spite of being qualified. Each time the closing date is near, the underwriter adds items to be provided. I've had to supply unreasonable documents that have nothing to do with being able to afford the home. I'm a XXXX woman, on the loan alone and I believe a XXXX  woman making my income, close to XXXX, would not be discriminated against the way I am. I've constantly been told " this is the last item needed '', yet right before closing, more things are added. Making it impossible to make closing deadline. They can't lawfully deny me because I qualify, so I'm being discriminated against in hopes I don't comply, so the loan can then be denied. This is unacceptable and I will fight all the way to the Supreme Court if needed to fight this.

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 2022-09-24
Company: Experian Information Solutions Inc.
State: WA
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:
Since XXXX I have struggling with fraud on my personal identity. We got someone in XXXX the file IRS fraud taxes under my and wife social security numbers. Police report was file back in XXXX for identity theft, A other police report was file back in XXXX do to identity theft again. In XXXX of XXXX and XX/XX/XXXX. I got a letter from State of Washington Department of Licensing. That my personal information including SSN, ID, Address, email, full name, date of birth. Ware exposed do a data breach to their systems. Some account ware open under my personal information. I have a new police report for identity theft I have file with the city of XXXX WA. Now this account is showing on my 3 credit reports agencies Experian, XXXX and XXXX, one months ago and it was place back on my credit report. I have disputed this account 3 times now, is not my account this a fraud open in the middle of the pandemic. I have requested to delete this account on my personal credit report do to Fraud and Identity Theft : to XXXX, Experian and XXXX to delete this account on all from my credit report and increase my XXXX XXXX to XXXX point how it was in XX/XX/XXXX. On Negative Collection and ChargeOff : ( XXXX ) XXXX XXXX XXXX # XXXX Date Opened : XXXX XX/XX/XXXX Balance : $ {$51000.00} ( XXXX ) XXXX XXXX XXXX # XXXX? Date Opened : XX/XX/XXXX Balance : {$440.00} ( XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING 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 2021-06-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I sent the following letter to Experian, XXXX and XXXX and they have refused to comply with the law. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Account # : XXXX Effective XX/XX/XXXX, creditors should have changed the way they are reporting late payments. In light of the recent CARES Act, creditors should not report any late payments to the credit reporting agencies during the CARES Act period* to avoid harming my credit score. This change is temporary and applies ONLY during the CARES Act period as defined below. 

On XX/XX/XXXX, the United States Congress passed the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) to help Americans during this uncertain time. Among other things, the Act is designed to help protect my credit during the pandemic.

Based on this information about my rights and protections under the CARES Act please remove any late payments you have reported to the credit agencies ASAP.

* CARES Act Period- Requirements apply to certain consumer account payments made between XX/XX/XXXX, and the latter of either : 120 days after XX/XX/XXXX, or 120 days after the national emergency concerning COVID19 ends. 

Note, I have spoken with your company on several occasions alerting you that I was experiencing a hardship due to the pandemic and I also made a payment during this period and expressed my willingness to correct the problem. The following late payments should be reversed and removed from my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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