BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I filed a chapter XXXX bankruptcy that I planned to convert to a chapter XXXX bankruptcy. The conversion was never processed. The judge vacated the second bankruptcy ( as per the document attached ). This is STILL showing on my file. 

This is not a discharge of debt. It was a discharge of the Trustee prior to any processing of debt. By law, my credit file should NOT show a bankruptcy that never occurred. 

The bankruptcy id is listed as XXXXand shows a date of XX/XX/2017 Since this bankruptcy was never processed, I want it removed from my file as provided by federal law.

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 2021-07-09
Company: ERC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We had cell phones with XXXX. XXXX turned off our phones for non-payment when we paid them. We told them the exact day we called and paid them through our debit card. We showed them proof we paid them but they refused to turn our phones back on. We also had a 2 year contract which we paid them the full 2 years therefore would no longer have a contract but they denied the 2 years were up and kept charging us money we didn't owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I obtained a modification in XXXX of this year. In XXXX, Nationstar Mortgage said my exhusband should have signed the papers because he was on the original mortgage. I was fine with this until they also added him to the note. He was never on the note. I did not need a cosigner for the loan or the modification. They refuse to remove him from the note and insist that he signs it. They told me that a Promissory Note is not a note for payment. They told me that a Note means different things in different states. I am now faced with applying for a new modification and they have told me that it will be refused if he does n't sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXXXXXX XXXX transferred my mortgage to XXXX XXXX despite it not being opened as a servicing released mortgage. 

They then reported my mortgage as closed to the credit reporting agents, which reduced my score significantly and impacted my financial situation Furthermore, XXXX XXXX is requiring payment on XX/XX/XXXX and still, as of XX/XX/XXXX, has sent no information on how to make those payments or set up autopay.

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 2022-02-16
Company: EQUITY RESOURCES, INCORPORATED
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I'm writing this letter because I believe I have been taken advantage of .I was ble to purchase a home but was a difficult process. 

Copious documents and letters were requested throughout the process which I supplied. I was still being asked to render documents that were already submitted to the loan officer. I eventually had to seek legal counsel to craft a letter on XXXX XXXX, explaining my divorcee decree was legal and all economic issues were resolved. Eventually I was told I was approved XX/XX/XXXX, I went to settlement. I was told everything was a go. The day of settlement I was there for 3-4 hours waiting Eventually i was told a settlement would not take place today. No explination was given to me nor my realator. I was told they don't know what went wrong. I called them on XX/XX/XXXX, Monday and was told that XXXX XXXX  updated the system and they didn't know how to get around it. In the meantime the loan officer XXXX XXXX from Equity Resources spoke with the owner of Equity Resources Inc. 

I was quoted me a number of 5.25 % interest which was significantly higher that the original 3.5 % and PMI I asked why was the rate so high? I was told because they are going to finance the loan since they couldn't get it via XXXX XXXX and becase, " he is the owner and he can do what he wants '' Yes, I had choices but I already gave up my apartment and was stressed from this process. If I didn't take it I would have to start the process over again which was night mare or I could take the deal which wouldn't take place until XX/XX/XXXX. 
I was also told in 6 months I could refinance .Which brings me to today. 

On XX/XX/XXXX, I received a phone call from Equity Resources, XXXX XXXX another loan officer from the XXXX PA office explained he was given my file an told to call me .Mr. Kiss told me my current rate was to high 5.25 % and I would be doing them a favor by refinancing my loan. Equity Resources knew this rate for the loan ws to high to begin with but tld take it or leave it. I was trying to get a lower rate at the beginning of this process which caused me to craft this letter. I would appreciate advice on how to proceed in this matter, but also want this to be noted in the files. 

Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXP Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX Account Name : N/A Account Number : XXXX has violated my rights. Or a list of Inquiries : 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 an 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 or 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 explanation
Consumer complaint received 2020-07-28
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It all started with XXXX who kept saying I owed {$2900.00}. They would call Example XXXX then my cell phone number. I would call XXXX and they stated they had no Idea what i was talking about I was in good standing and also left to XXXX and was able to port my number XXXX XXXX XXXX. I transfered 3 numbers to XXXX XXXX. My wife stayed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She stayed because she still had a year left on her contract. One day some called no name given but this time they called me around XXXX XXXX   and I was told they have been trying to collect {$3000.00} debit. They even said they were going to have me arrested. When I said come to the station I am working ( i am XXXX XXXX ), they hung up. I called XXXX   they put me on hold and they called the number they said for that person to get rid of the debit they needed my Entire Name, My DOB, MySS #, My current address. When XXXX identified themselves they hung up. They added all the notes to account. Then she sent to XXXX Fraud Dept. They Investigated and did admit it was Fraud. they sent me a letter. Some how the it took three months and they sent me to collections. When I called and was on the Phone for 6 hrs that day the collection agency said that This Matter was already resolved XXXX XXXX. They even tho they knew it was fraud they left it on all three credit agencies and No one has taken it off. I went from an XXXX to XXXX on two of the three and XXXX has me at XXXX. I signed up with Identity Guard Family Plan ... .. I Am in the process of of getting a SBA loan and have a Lease that is going ending XX/XX/XXXX and am going to get another My world has been turned upside down and dont know what else to do I contacted all 3 Credit Agency 's and Some one tried to open another Cell this time with 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 2020-04-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In regards to record # XXXX. This is a complaint I initiated but the system requiring supporting documentation is giving me an error ( a very common issue with Equifax items when reporting mysterious inaccuracies ) This has been occurring for over a year to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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 inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX BANK Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX XXXX XXXXe of inquiry XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX CARD Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Rate genius, emailed my account # on XX/XX/2023 and never received an email response back. I emailed to clarify why I received these emails and never received a response back. 

XXXXXXXX XXXX, emailed about inquiry as well and did not receive any feedback. I was not about to distinguish the other two hard inquirys to find where to reach out to It was shown per Credit Karma these would be soft inquiry pulls, not hard inquiry pulls when inputting salary information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am a victim of identity theft and have a current police report on file with Chex Systems regarding being a victim of identity theft. The following inquiries viewed by others and only by you currently listed on my Chex Systems Consumer Report ID : XXXX are fraudulent and unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX, Michigan XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX XXXX, XX/XX/XXXX. The inquiries are all fraudulent and unauthorized. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
It's been well over a year now, and I'm still battling with XXXX and XXXX to review my credit and remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies won't comply. This is my second complaint against them. I know deep down that they are Intentionally keeping these accounts on my reports and other Americans so they can continue to collect monthly reporting premiums from the collection agencies. Why else would they review my documents and completely ignore them? Every time I call there is a person with a thick accent that is trying to sell me credit monitoring!! All they care about is money, and the CEO 's and leaders of these companies should be ashamed of themselves. These collections are keeping me from moving forward on some life goals so my family can have a nicer school to attend. Thank you CFPB for being here for us.

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 2023-11-22
Company: Aldous & Associates, PLLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Porania, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
in accordance with the Fair Credit Reporting Act XXXX Account Bankruptcy XXXX XXXXXXXX reference # 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 an account without my written instructions.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Experian Information Solutions 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:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-01-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-10-20
Company: NATIONSTAR MORTGAGE LLC
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted a package as requested prior to the seven day cutoff to review my loan for modification to Nationstar. They have confirmed receipt of the package and can only tell me that my loan is in review with the underwriter but have not placed a hold on the sale date of XXXX. I asked when I should expect the file be reviewed and they stated " within 30 days '' per XXXX ID # : XXXX. 

This is after my sale date that is scheduled. How am I supposed to plan for my future and living arrangements if I can not get a review done in a reasonable time frame?

Company response to consumer: Closed with explanation