BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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 2023-09-19
Company: EQUIFAX, INC.
State: IN
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: Problem with personal statement of dispute

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31
Company: EQUIFAX, 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:
.I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-03
Company: BANNER CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Both of my checking accounts at Banner Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX were overdrawn from having too low of funds available that was in fact due to my account information being stolen. Causing a snow ball effect. I absolutely did not authorize Banner bank to allow for any transaction going through any of my accounts to be paid with a over draft fee. I was never allowed to opt in to the over draft fee service. As a matter of fact I asked to opt out several times but was denied. Under the Obama era bank reform laws in 2010 and REG 1005.17 I am officially filing a complaint against my bank. The manager has zero clue as to the current Bank Regulations regarding this issue. She was very rude to me and refused to refund any of my money either. I went into the bank on two separate occasions this week on XX/XX/XXXX and today XX/XX/XXXX. Again I have explicitly requested for the bank to refuse all incoming charges that the funds are not available. The manager told me that even if it is presented and not paid that I was still be charged a {$30.00} transaction fee per occurrence. I do know this is illegal based on the fact that I used to be a successful person banker, mortgage loan officer and now am a Oregon XXXX XXXX XXXX XXXX Due to Covid both my small businesses have been affected negatively. Also XXXX charged me for items that were supposed to be paid for with my rewards available on my XXXX Credit Card. XXXX also charged me for items to my bank that I did not receive. XXXX then charged me, refunded me, recharged me 3 separate but concurrent times as well. I tried to resolve it online but was unable to based on I never bought those items at all and the 3 items I did receive were supposed to be paid by my available rewards on their XXXX credit card!!

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 2021-12-19
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Exeter Finance Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I sold my vehicle to XXXX. The vehicle was financed through Exeter Financing. XXXX contacted Exeter Financing and got a payoff quote for my loan. I gave up my vehicle and {$2500.00} cash to XXXX and they closed the deal with me. They contacted Exeter Financing and they got the payoff quote. I signed all of the paperwork and walked away, free of any more responsibility to Exeter Financing. Now, Exeter Financing is saying that I owe them more money. I have all of the paperwork from XXXX and notarized documents that show I paid off this vehicle. I am not responsible for any miscommunication between Exeter Financing and XXXX. I closed this financial obligation and I want Exeter Financing removed from my credit report. I have spoken to both Exeter Financing and XXXX and I have received nothing but negative, adverse responses from Exeter Financing. XXXX has assured me that I have no further obligation to Exeter Financing and that they have attorneys working on this matter. I was told by XXXX XXXX at XXXX that I am not responsible for any further financial obligation. She is the XXXX Agent that negotiated the payoff with Exeter Financing and notarized the paperwork. Please remove Exeter Financing from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2020, I ordered several items in 2 different orders from XXXX. I have been complaining about items not received, wrong numbers of items, damaged and wrong items sent since XXXX. They also billed a XXXX  credit card instead if the method I put in to be charged. They refuse to correct anything, give me ways to return the defective and wrong items, refuses XXXX accommodations and are simply horrible. The ceo refuses to correct and has a horrible person repeatedly harassing me. They were repeatedly told to stop, I blocked their email and so they have robocalls calling approximately 20 times per day on both my home and cell phone. The calls come from multiple numbers and clog up my voicemail, etc. This has been ongoing for weeks and they refuse to correct, cure, stop discrimination and stop harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-08
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On or about XXXX I was no longer able to pay my second mortgage due to a loss of income ( father in-law who was on the mortgage passed away then wife became unemployed ) with me becoming delinquent on the first soon after from back to back hardships. 

The lender of the second mortgage refused to work with me in any way, shape or form such as a loan modification, deferring payments, lowering the interest rate from 7 % to something more modest, etc. 

During XXXX the lender, NATIONSTAR, charged off the full amount of {$71000.00} and issued me an IRS tax form XXXX " cancellation of debt '' for the XXXX tax year. 

When reviewing the form I noticed that box # XXXX which explains the reason and or type of cancellation was not filled in. I contacted NATIONSTAR asking for a completely filled in XXXX along with a notice of wether or not the lien was released so I may forward it to the first mortgage company in an effort to save the home. 

I was told by Nation Star that although the debt was charged off and they received the tax benefit of it and that I had to file it with my taxes where it could have been considered earned income, except for the law that was in place at the time, the debt is still valid and owed by me and they maintain a lien against the property still. 

Can this be legal and if not who can help me resolve this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar issued approval for a short sale for a purchase price of {$130000.00} XXXX. The buyer 's appraisal was returned at {$130000.00}. Nationstar did not contact the investor for approval to issue a revised approval letter, which would have been the most effective solution. Rather than resolve the issue between servicer and investor, Nationstar instructed us to submit a copy of the buyer 's appraisal to XXXX through XXXX and assured us we would receive revised approval at the appraised value of {$130000.00}. The response was a counter in the amount of {$140000.00}. The buyer was unable to obtain a mortgage and the contract was cancelled. We have submitted several value disputes with documentation that a value of {$140000.00} is not reflective of market value and all disputes have been denied. As a result, we requested full disclosure of all valuation materials, XXXX reports, internal valuations, and appraisals. The servicer and investor refused our request, denying the homeowner her right to conduct a transaction with full disclosure and transparency. Should you need further information please contact our office XXXX or by e-mail ( XXXX ). Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached accounts that are currently reporting to my 3 credit bureaus as of today inaccurately, per the FCRA all of the accounts have to report 100 % accurate information and they are not. I would like to have these accounts deleted asap. I have attached pictures of the accounts with the highlighted areas that are incorrect.

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 2023-09-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
Company: Nelnet, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My student loan balance was {$180000.00}. In XX/XX/XXXX, I received 2 letters stating that my loans were to be discharged. XXXX now has my student loans # 1 I did not agree with them that they could have my student loans they were just transferred to them from fed loan servicing where I had consolidated them from Nelnet in XXXX of XXXX. In XXXX {$78000.00} of my student loans went from XXXX to Nelnet but my balance with XXXX never went down. I called Nelnet and XXXX numerous times because instead of my balance going down they added the XXXX to my loans with the credit bureaus where my student loan debt went from {$180000.00} to {$260000.00}. When speaking to XXXX I was told not to worry about it and that it would be deleted when Nelnet discharged it from their end. There are no records in either Nelnet or XXXX as to what they are doing with any of my accounts. XXXX has not subtracted the amount that Nelnet has discharged and they have taken more from XXXX. I was refused a mortgage for a home loan due to their failure to discharge my loans and adding debt when it was to be subtracted. They have lied to me numerous times when I have called and disregarded the fact they have ruined my credit with their fraudulent behavior. They have killed my credit score and I am prepared to move forward with a lawsuit if this issue is not resolved within 7 days ( XX/XX/XXXX ) of the filing of this complaint. My student loan debt should be under {$100000.00} and I do have all of my paperwork to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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:
Please remove this inquiry from my credit report immediately as it is not mine, and I have no affiliation with the creditors in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: EQUIFAX, 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: Account information incorrect

Complaint:
My XXXX XXXX XXXX XXXX card information is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-27
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX nationstar stopped taking auto withdrawl from XXXX XXXX XXXX ac. with no notification ( phone calls ' letters ) that they stopped withdrawl or quite posibly sold my mortgage on XXXX/XXXX/16 i was served in person a forclosure notice i called to resolve and they said ihad to pay XXXX lawyers fees i offered to pay only what i owed imediately they refused to take my money without lawyers fees they also had no answers why they stopped taking automatic withdrawls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
Western Union 's system did not honor promo code. 
I applied a code for free transaction fee and the system accepted it but then I received an email with the transaction fees applied. 

I tried contacting Western Union by phone, chat and sent email to their webcare email to get transaction fee refunded and was denied. 

XX/XX/10 Date of transaction Amount of Transaction XXXX Fees- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2020 XXXX XXXX with Radius Global Product called my mother, XXXX XXXX at XXXX XXXX XXXX, asking for XXXX XXXX XXXX XXXX. They were told this wasn't our phone number and were hanged up on twice. 

On XX/XX/2020 XXXX XXXX called Mrs. XXXX again. This time they were told that XXXX and XXXX XXXX were not there and that wasn't our phone number. Mr. XXXX said that he was collecting a debt for XXXX XXXX and said the estimated amount of the debt was {$30000.00}. 

Beyond asking for information about persons location a debt collector is not permitted in the Fair Debt Collection Practice Act to provide any information regarding the debt to any person other than the person they believe owes the debt. 

I called Radius Global Product to gather information about the caller. MrXXXX XXXX freely discussed the debt until I asked for the name of the person who called Mrs. XXXX earlier and provided information to someone other than person who they believe owes the debt. Mr. XXXX, once confronted with this question, began asking if I was XXXX XXXX. I advised that I would complain to FTC / CFPB, about this incident and again if any other persons are contacted. 

The phone numbers used by Mr. XXXX for the calls were XXXX XXXX XXXX and 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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XX/XX/2022 I reached out to XXXX XXXX with a written sworn affidavit requesting for them to validate the amount owed they continue to provide outdated and erroneous documents. they are reporting to trans union a different amount and continue to report derogatory and slandering information to third parties without my consent and put my name on public list without a resolution. transition  reports {$8900.00} and total balance {$170000.00}. This company has breached there fiduciary duty while illegally attempting to collect a invalidated debt. causing harm to me physically mentally spiritually and financially. No resolution I am ready to go to court with trial and jury.

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 2023-05-31
Company: EQUIFAX, INC.
State: DC
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 was a fraudulent application submitted with my information that is inaccurate on my Equifax report from XX/XX/2022. 
I called Equifax and the institution ( XXXX XXXX ) to remove this inquiry from my file and it has been over 1 year. Equifax continues to say that I need to have the institution contact them or send something in the mail and this institution keeps telling me that they already did because it was fraudulent. Equifax continues to say they did not receive anything and this inquiry is STILL on my report.

Company response to consumer: Closed with explanation