BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: Sequium Asset Solutions, LLC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I received a bill by email from Sequium Assets Solutions that stated I owed the amount of {$820.00} when in fact I never signed a contract and I complained on numerous occasions that they continued to bill me and my husband even though neither one of us have a contract with this company and the contract had expired years ago and each and every time I would complain about the double billing sending 2 statements to 2 people for the same account they continued to double bill us and we do not have a contract and are not obligated to pay them any money I do not owe this company for I do not have a contract with them and complained to get the account in my name and they would not do it and attached both of us to one account double billing us as of todays date I am waiting for them to fix this error they would not stop sending XXXX bills for the same account when neither of us is contractually obligated to pay it for the contract expires years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Mercedes Benz Financial Services
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX  # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Experian Information Solutions Inc.
State: IL
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 disputed inaccurate and/or incomplete information on my credit report on XX/XX/2020 with the consumer reporting company. The investigation took more than 30 days. I sent another letter on XXXX XXXX that reached them after XXXX XXXX, telling Experian to comply with the law. Still no results after 30 days. Experian is in violation of the law and all disputed information needs to be removed from my file. 
Experian 's response was, " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' HOW? How can they determine what is sent by anyone and then choose not to act even though I have multiple letters sent to them certified mail, and the CFPB was given all identifying information in order for them to locate my report. Also the credit report number was in the body of each letter. I sent my complaint through the CFPB website and created an account. The complaint was absolutely sent by me and authorized by me. The proper action needs to be taken. Experian can't just not act on disputed information with supporting documentation. This is ridiculous.

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX, XXXX and Transunion all stated that account number ending is XXXX was accurate as well as complaint. After looking further into my credit report I noticed that All 3 Failed to provide me with the utmost accuracy and compliance that I needed in my credit file as it affects my every day life. 

Account Number XXXX XXXX XXXX XXXX XXXX XXXX Date of First Delinquency IS MISSING Creditor Classification IS MISSING XXXX XXXX also states that they closed my account which isn't true. I asked them to close my account. It makes me look unworthy of credit when it states untruth as they state. 
LATE PAYMENTS ARE INCORRECT because I don't have a DOFD to even start where the late payments begin. Please Remove late payments and Mark paid as agreed or Delete from my Report Section 607 ( b ) of the FCRA provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.In some cases, such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information.In addition to provisions authorizing Federal and State enforcement, [ the FCRA contains two provisions relating to civil liability to consumers for noncompliance. Section 617 provides that any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the consumer 's actual damages, and costs and reasonable attorney 's fees.Section 616 provides that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to actual or statutory damages of up to {$1000.00} per violation, such punitive damages as the court allows, and costs and reasonable attorney 's fees.A violation is willful when it is inconsistent with authoritative guidance from a relevant agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MO
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.

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 non-monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i am trying to get a home loan but the XXXX credit bureaus show a freeze on my account. I have called all XXXX and they have said over the phone that there is no freeze but every time i try to pull my credit it says suppressed which means a freeze. i just need them to unfreeze my account somehow or go into their system and actually unblock whatever they have blocked on my account so i can get my home loan approved. i am running out of time before the deadline XXXX for my contract.

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 2023-10-27
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:
Account XXXX XXXX XXXX XXXX XXXX XXXX is from fraud. It needs to be removed from my credit report. I have reported this problem multiple times

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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX XXXX ******* XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Atlanticus Services Corporation
State: NH
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:
On XX/XX/XXXX| received a pre approved credit card offer from " aspire '' bank that said to scan the XXXX code provided to find out more information. I did as so. 
After reading through they outrageous annual and monthly fees I declined the off and did not submit an application. 
The next day " XXXX/ASPIRE '' showed up on my credit report as a hard inquiry. I am trying to rebuild my credit score and even a small hard inquiry is a big deal to me. Especially since it was a pre approved offer and an offer I declined to take. I feel like I was wrongfully taken advantage of by this company. 

On Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response CFPB # XXXX Dear XXXX XXXX XXXX We are in receipt of your correspondence to the Consumer Financial Protection bureau regarding an Aspire pre-approved Credit Card offer that you received at your address. 
Per your request, this will confirm that we have updated our records to stop mailing credit card offers to you at your above referenced address. Please allow up to 60 days for the block to take effect due to existing mailing campaigns in progress. 
Additionally, a request has been submitted to the credit bureaus to remove the inquiry as we understand it wasn't your intention to submit a credit card application. Thank you for the opportunity to respond. Sincerely, XXXX XXXX., Executive Correspondence Specialist On behalf of Aspire Credit Card XXXX XXXX XXXX XXXX is the issuer of the Aspire Credit Card account As of XX/XX/XXXX they have done none of the above!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Upstart 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: Account status incorrect

Complaint:
Upstart and XXXX XXXX have violated my rights. 

I XXXX XXXX XXXX, as the beneficiary of the XXXX XXXX XXXX que trust, sent UPSTART ( Trustee ) a contract that was considered accepted per the mailbox rule on XX/XX/2022. Along with the contract I sent a coupon to settle the debt. Following the remittance letter and contract, I also sent UPSTART, a notice of fault and opportunity to cure, followed by a notice of fault /Cease and Desist. UPSTART remained silent and acquiesced to the contract. 

Per Public Law 73-10, which states that all debt, public and private are paid for, this account should have been removed from my credit reports. 

Furthermore, I received a collection letter from XXXX XXXX, demanding that I send in a payment for a past due amount. I do not have a contract with XXXX XXXX. 

UPSTART and XXXX XXXX have violated my rights.

15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of anydebt_ 15 usc 1692b ( 2 ) not state that such consumer owes any debt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 usc 1692b ( 4 ) not communicate by post card ; 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 that a consumer reporting agency can not furnish a account without my written instructions..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: CrossCountry Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
They cancelled our first mortgage assistance request saying we didn't submit documents back in a timely manner. Everything that was requested when I received was submitted ASAP so that we didn't delay the process. I finally resubmitted our package and gave them all the docs they initially requested for but now they are saying it could take up to 30 days. We don't have 30 days before our mortgage goes delinquent. We just need some help and time to get back on our feet. I am starting a new job and my husband picked up a part time job to keep us afloat but if we can please get some help so we don't go into default, that would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Repeatedly Capital one has, without my permission and against my previous instructions, committed fraud by provided my banking information to previous vendors with who I no longer associate. I have tried to cancel these vendors in the past even went as far as to order a new debit card every time. Still, the bank continuously keeps providing my new debit card information to previous vendors claiming we have an annual agreement regardless of my cancellation. 
Capital one calls this their policy, but as I understand fraud, this is precisely that. There are numerous recording conversations of me telling the bank that this is unacceptable, but they claim this is for my convenience. I spent incredible amounts of hours with the bank and to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MS
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:
XXXX XXXX XXXX Hereinafter referred as consumer or affiant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX NISSAN MOTOR ACCEPTANCE CORPORATION FULFILLMENT DEPARTMENT ATTN : XXXX XXXX, XXXX Hereinafter referred to as you, your, your company or affiliates XXXX XXXX XXXX XXXX, TX XXXX CC : REGISTERED AGENT C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Delaware XXXX XXXX : ADVERSE ACTION Dear NISSAN MOTOR ACCEPTANCE CORPORATION FULFILLMENT DEPARTMENT , I , the consumer and natural person, was denied credit by NISSAN MOTOR ACCEPTANCE CORPORATION , when I applied for a extension of credit for a vehicle. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C. 1691c and is pursuant to civil liability under 15 U.S.C. 1692k. 

You are subject to criminally liability for violating 15 U.S.C. 1961 as I have proof that I was discriminated against by NISSAN MOTOR ACCEPTANCE CORPORATION due to the response that I received. 

NISSAN MOTOR ACCEPTANCE CORPORATION is in violation of 15 U.S.C. 1681m and 12 C.F.R. 1002 because I, the consumer made an application in good faith, but credit was not issued.

Furthermore, because my social security number ( credit card ) was used, and I received no benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NISSAN MOTOR ACCEPTANCE CORPORATION.

If NISSAN MOTOR ACCEPTANCE CORPORATION fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make NISSAN MOTOR ACCEPTANCE CORPORATION criminally and civilly liable for all actual damages pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o.

I will also follow up with and invoice for said violations of ( {$5000.00} ) per violation. 

Thank you, XXXX XXXX XXXXXXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation