BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: IL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29
Company: Experian Information Solutions Inc.
State: RI
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:
Experian dont fixed report show error in my credit. Reporting account opened fraudulent of XXXX XXXX XXXX XXXX and XXXX XXXXXXXX lending Both account still showing opened current account is no mine and danger my score another reason put this complaint is because my credit is low compares other credit reported dont show correct XXXX  score danger my record and limited opportunities get credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: DE
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 been calling XXXX XXXX  DBA XXXX XXXX my mortgage company asking them to correctly report my payment history and balance. This has been going on for over five weeks now. Every time I call them they tell me that theyre investigating it and theyll have an answer for me shortly. Or they tell me that itll be fixed by the end of the week. I called again they tell me youll be fixed by Monday they havent reported any mortgage payments since XX/XX/2020 as of today theres 13 months not reported. They also reported to equifax my monthly payments wrong and my balance my monthly payment is {$1000.00} they reported it was {$1100.00} also they reported my balance was {$150000.00} MY balance is {$150000.00} also my payments are up to date and there reporting one month late. Also each week I called them they actually reported more wrong information each time. my Equifax Credit report has changed 4 times in one month each time I called they reporting more wrong information making my score go down each time they reported the wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I paid {$10000.00} to reinstate my mortgage on XX/XX/XXXX. I was told the amount included XX/XX/XXXX payment. I spoke to several consumer service representatives that confirmed that my mortgage was paid untilXX/XX/XXXX. I filed a complaint on XX/XX/XXXX after receiving automated calls that I owed for XX/XX/XXXX. I received no response until XX/XX/XXXXwhere Mr.Cooper/Nationstar admitted they had miss informed on me XX/XX/XXXX ( 10 days after the payment was accepted ) and incorrectly applied my mortgage payment to legal fees. The explanation is unacceptable the restatement amount should have included legal fees. The representative on XX/XX/XXXX ( which was recorded ) told me no legal fees were on the account. I had him check three times if the reinstatement amount was correct. He confirmed it was then I paid the amount requested that day. On XX/XX/XXXX I spoke to XXXX XXXX in response to a letter I was sent by Nationstar/Mr. Cooper saying I would have to request that the mistakenly applied mortgage to the legal fees be reversed to be applied to my mortgage. I ask her to reverse the payment to its original intent. I dont understand this, if Mr. Cooper/Nationstar admitted they made a mistake why would I have to call them in order for them to fix their mistake. Also, it isnt legal to quote a reinstatement amount and accept the payment then say it was an accounting error. Especially, when 3 different representives confirmed I paid the correct amount through XX/XX/XXXX. Now they have a demand letter saying Im 3 months behind when Im 2 months behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: FL
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-10
Company: EQUIFAX, INC.
State: NJ
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them immediately : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX  Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: NATIONSTAR MORTGAGE LLC
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: Public record information inaccurate

Complaint:
Nationstar mortgage company known now as Cooper nationstar have foreclosure on my credit report and I never went through foreclosure with Nationstar between the year XX/XX/XXXX and XX/XX/XXXX. I was going through a shortsale process and the next thing the realtor/broker and I knew the building was sold without us knowing. I didn't worry about it I just wanted out but in XX/XX/XXXX I saw Cooper Nationstar had a foreclosure on my credit report and when I tried talking to them the would say they are working on it. I lost out on the house I was trying to purchase the lender for the house I was trying to get reached out to Nationstar and they stated it looked like a short sale but wasn't sure and they told lender he would have to talk to their lawyer. I lost out on the house and I lost about {$3000.00} trying to purchase the house. I don't know what they did but the transaction on selling the building without me knowing didn't seem right and I should not have a foreclosure on my credit. The information was not accurate in any way at all. I had no Ideal this was on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: AmeriCollect
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   XXXX    {$32000.00} is a work comp bill that is in dispute. Insurance company paid all claims then asked for reimbursement when found out we were in litigation. Claim filed with the state since this is not listed as policy in our health insurance agreement  XXXX   XXXX   XXXX   should be held responsible until if or when we are compensated from our legal litigation and then the insurance company would be paid back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11
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: Was not notified of investigation status or results

Complaint:
I didn't give permission to this company to have my medical report, It is a violation of my right, and I will like to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions 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:
I have attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus. 

Disputes go as back as last year XXXX XXXX XXXX XXXX FCRA 623 ( a ) ( XXXX ), FDCPA 807 ( XXXX ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

They have failed to state this on any of my reports therefore violating my rights. 

No proof of ownership, late payments or any at all has been provided as proof. 

Copies of reports will be attached. 

Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( 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 2021-07-29
Company: Creditors Bureau Associates
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... CBA XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX Balance : {$3600.00} XXXX  XXXX Balance : {$3900.00} XXXX  XXXX Balance : {$3900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Tried to cancel credit freeze for credit card application and was successfully logged on line for 72 hour unfreeze. Bank of America representative states my account is frozen but dont worry, I will connect you to XXXX and you may verify your self in order to lift freeze. I will remain on the line until you qualify. The lady, whom I believe was called XXXX, a XXXX  speaking women assured him, I want to say his name was XXXX that My report was unfrozen and BOA agent again questions her stating that it was still frozen. She hangs up and says dont worry! I v seen this before and it is probably a delay I will wait until the next day and run it and return to you via phone call. 
Well I just received a letter from Bank of America stating due to my credit freeze that I could not be extended credit due to no access to my credit report. 
Shameful and these are the same people who were compromised with all my personal info.

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 2018-04-25
Company: NATIONSTAR MORTGAGE LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My current home loan was originally created with my husband as the borrower and myself, his spouse, as the co borrower. My husband became unemployed and we were unable to make our mortgage payments. I was a stay at home mother of our XXXX  children. We qualified for a modification that was completed in XX/XX/XXXX. At this time I went back to XXXX school, completed my XXXX XXXX   and have been employed for a year. My husband stopped making payment on the home again. We were divorced in XX/XX/XXXX. I received a signed Quit Claim Deed through the divorce on our property. The home fell into foreclosure once again and I was instructed by the court system to apply for a new home modification using all of my current information. I was also awarded custody of my XXXX minor children. We are currently living in the home. I should mention there is also a {$23000.00} insurance claim that my home loan mortgage company Mr Cooper is holding for repairs that have been held by them illegally. They have received all the document but keep telling me they need more.. They have done two home inspections that passed and still no funds have been released to date. I contacted XXXX XXXX  with The Fair Housing commission locally in my area of XXXX Ohio. He and I have spent countless hours on third party lines recorded with Mr Cooper to try to find options and answers. He suggested that I contact your service. We have tried to get them to release the funds to complete the work on the basement so I may move forward and sell the property. We also looked further into applying the funds to the current reinstatement amount. I feel I need assistance and support because I have been victimized by Mr Cooper holding the funds and not working with me to keep my home or to sell it. They have held the funds for two years. I currently have equity in the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Complaint is against Navy Federal Credit Union. XXXX of XXXX I was notified that I was being sued for an auto debt of around {$8000.00} originated in XXXX and a credit card debt of around {$800.00}. Navy Federal had passed the debt to the Collection Agency XXXX XXXX XXXX in XXXX where it remained until the accounts were closed due to the Auto debt reaching statute of limitations XX/XX/XXXX and XX/XX/XXXX. No further contact had taken place until XXXX, XXXX wherein Navy Federal had found my current residence in South Carolina using the law firm of XXXX XXXX Case # XXXX. XXXX XXXX has claims Navy Fed still has the right to sue despite how old the debt is and is currently attempting to change jurisdiction from XXXX XXXX, CA to XXXX, SC. On XX/XX/XXXX I received a text for an appointment to be served. When XXXX XXXX was contacted, they claimed it was a mistake but is still in the process of changing jurisdiction. This is causing a tremendous amount of stress for myself and my family under threat of being sued for these debts that are very old and past limitations. I'm currently awaiting mail from XXXX XXXX explaining Navy Federal justification. XXXX XXXX has also stated that the debt will also increase just because I no longer live in the XXXX XXXX jurisdiction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation