BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
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: Account status incorrect

Complaint:
XXXX is misreporting my transferred mortgage to Equifax. The mortgage was transferred to XXXX bank, which is reporting the account correctly. This error is hurting my credit and making it difficult to open new lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: DC
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 have sent three initial disputes to this bureau and nothing has been updated. I submitted with proof of payment. I submitted all of this to continously get that they investigated even witih factual proof provided. I would like this removed and deleted from my report, for inaccuracies. 
" In Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled in each of these cases that the CRAs could not merely " parrot '' back the same creditor information which the CRA already had in its files. The courts ruled that the CRAs had to conduct an independent REASONABLE investigation to ensure the validity of the information along with the honesty and integrity of the creditor or CA in question. '' XXXX, XXXX, XXXX, XXXX XXXX XXXX ALL REPORTING INACCURATELY.

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 2022-11-23
Company: EQUIFAX, INC.
State: CA
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Homeowners XXXX XXXX and XXXX XXXX obtained a HAMP in XX/XX/XXXX but believe that the loan servicer ( now Nationstar ) erroneously failed to remove the $ XXXX monthly private mortgage insurance. 

The mortgage insurance makes their loan unaffordable, and when combined with some other challenges, caused them to fall behind in XX/XX/XXXX. XXXX XXXX and XXXX XXXX hired XXXX XXXX, XXXX in XX/XX/XXXX to help them resolve the arrears. On XX/XX/XXXX, Nationstar guaranteed that it would remove the {$250.00} cost of the mortgage insurance if the homeowners reinstated by XX/XX/XXXX The homeowners timely reinstated but Nationstar now refuses to honor its promise to remove the private mortgage insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: CarMax, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have called the company multiple times notating that my rights were violated when purchasing the car. I was not offered insurance during purchase. The rates are currently too high and they have disregarded my rights. Under truth lending 15 US code 1605 determination of finance charge. I will settle the for the title of my vehicle and refund the amount I have paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I notified my bank, Chase, that there was a fraudulent transaction executed via XXXX impacting my checking account. {$1800.00} was stolen out of my account via XXXX. The fraudster hacked into my my computer, into my account, created a payee, and immediately executed a zelle payment. I was notified by the Chase system after which I immediately called and notified Chase, as it still showed " pending '' on my online view. Chase said that they will investigate. Come to learn now that Chase has ruled against their customer ( me ) and has refused to protect me, and refused to credit the money back that was stolen. I pleaded with them that despite it technically showing it was done via my computer ( which must have been hacked into ) and from the normal location ... that I did not know the recipient ( payee ), never authorized the transaction, called immediately notifying ... and nothing in my history shows any transaction of this nature, this amount, nor payment to this payee ever ( thus was totally inconsistent with past payment behavior ) ... Chase refused to budge and still deny, support, protection and consideration for their customer. Thus refuse to credit back stolen funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-28
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:
I hired a credit repair company ( XXXX XXXX ) to help resolve issues regarding my credit report. An account I had with XXXX XXXX XXXX  is still appearing on my Transunion, XXXX, and XXXX   credit report. This account was opened in XX/XX/2013. This account /item is past the statute of limitations and therefor should have been removed, however Transunion , XXXX  , and XXXX  have still failed to do so even after attempts by XXXX XXXX on my behalf to have it removed.

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 2019-03-01
Company: EQUIFAX, INC.
State: IL
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:
These inquires below are not mines. some have been deleted in the past. 
Inquiry details XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX   Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry fromXX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry fromXX/XX/XXXXAutomobile Dealers, New XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX Inquiry fromXX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX  Inquiry from XX/XX/XXXXAuto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XX/XX/XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, New XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX  Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX Inquiry from XX/XX/XXXX  Miscellaneous Reptg. Agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property was originally appraised at XXXX and I currently owe XXXX resulting in a loan to value ratio of 76.5 %. Nationstar mortgage is refusing to remove my Private Mortgage Insurance despite the fact that I 've exceeded the 78 % required as documented by the CFPB on their website here : http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Experian Information Solutions 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:
Experian has refused to update two accounts on my report though they have been notified of inaccuracies. One account, my XXXX account, reported a recent 30 day late in XXXX. This was a mistake and XXXX notified all three bureaus of the mistake. XXXX and Transunion have updated my balance on the account and removed the 30-day late notation. Experian STILL has not updated the balance of the account or remove the 30-day late. It is reflected as a delinquent account and this has tanked my score. Further, a collection company who does not have the authority to collect a debt it claims was owed ( I paid the original creditor IN FULL ) reported that the account was in collection. I disputed this with Experian and the result of the dispute was " the company that reported the information has certified to Experian that the information is accurate. '' Experian did not conduct a full investigation. If it did, the account would have been removed or, at the very least, reflect a {$0.00} balance as no debt is owed. The collection company XXXX XXXX XXXX has acknowledged that they have no authority to collect on that debt and that it sees a {$0.00} balance is owed to the creditor, so they would have informed Experian of that IF Experian bothered to contact them. This is proof that Experian has not conducted a proper investigation. It is not fair that delinquent reporting can be done so easily, but us consumers have to jump through hoops to correct valid inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-21
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received HAMP modification on XXXX XXXX. Now I have been told that I still owe over {$180.00} in past dues fees from XXXX, XXXX and part of XXXX up to when my loan got modified through the hamp government program. 
How could it be that Nationstar is still asking me to pay for all those back fees. No fees should be remaining apart from anything that pertains to my new modified loan from XXXX XXXX moving forward only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a final judgement vacating the mortgage that " Nation Star '' & XXXX XXXX are trying to collect. Additionally, they have stolen my insurance proceeds and have refused to return them. I have been living in squalor as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: MD
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 writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Branch Messenger, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Attempted to withdraw funds from my XXXX account to my bank account. Transfers typically take XXXX business days. However, after 6 days have passed, the funds are not still not available in my bank account. It is currently XX/XX/2023. 

XXXX XXXX ID : XXXX Trace # XXXX Date of deposit : XX/XX/2023 Expected posting date : XX/XX/2023 Amount of deposit : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
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: Account information incorrect

Complaint:
I sent letters to all 3 national credit bureaus requesting that they provide me with my original signature and contract according to the section 609 rule. I also sent in an identity theft affidavit to show the case number of the police report. I received a letter back stating that all of my information has been verified, but they would never tell me how they verified the information. According to the FCRA AND THE FDCPA all information that is being furnished by the agencies must BE ACCURATE. I have found that information is very inaccurate on all of my accounts that were in dispute. How can a person open an account on two separate days? This information is being reported inaccurately and I would like for the bureaus to delete these accounts immediately and i will send the proof of the inaccurate information. They never sent me proof of the original instrument of indebtedness. According the section 623 rule, if items are being reported negatively on the report inaccurately, then the items must be removed immediately. They are unverified according to metro 2, they are not meeting the FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Several accounts across my credit reports are false, paid off and promised to be removed and weren't, or are not supposed to be on my reports. Accounts that shouldn't be on there that were paid off or just should be removed due to other circumstances are XXXX XXXX, this account was paid in full on XX/XX/XXXX they promised to send me a paid in full letter and remove it from my report upon me contacting them I just now received the paid in full letter yet has only been removed from my XXXX report, XXXX XXXX account was paid in full XX/XX/XXXX disputed this when paid in full I have not received my paid in full letter and as the other account was not removed from any of my reports, XXXX this account should have been removed several years ago when it was paid in full but still has not, XXXX XXXX accounts all have been paid in full many years ago and should be removed due to age of accounts, XXXX XXXX account was also paid in full and was told they would remove it when it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
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: Information belongs to someone else

Complaint:
XXXX XXXX is displaying late payments on my credit report. I never paid late. I am a mother of XXXX kids with a XXXX XXXX XXXX this is affecting my credit very badly and preventing me to give my kids the life they deserve.

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 2021-05-04
Company: Southern Management Systems Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company opened up debt in my name without authorization, I called company to verify but they refused. It is being reported on my credit account. I was a student on campus at the time and submitted my enrollment verification to prove i lived on campus. The company has changed the location of the account multiple times and refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My XXXX XXXX was having issues so I pulled up XXXX technical support on my phone and dialed the number that came up. The ( fraudulent ) technician that came on the phone told me he needed to share my screen in order to fix my issues and verifiymy identity. Since I had phoned XXXX the week before and an ( authentic ) technician Requestedto share my screen to help me fix my issues ( which he did ) I felt The request was legitimate. After being on the phone with the impersonator for almost 2 hours or more I started to ask more questions. He.Immediately ended the call And I proceeded to call that number back to find out that line was not working. I pulled up my bank information to find out {$2800.00} was transferred from my savings account to my checking account and from there {$2000.00} was electronically transferred viaXXXX quick pay to someone named XXXX XXXX And another {$500.00} was transferred out via XXXX XXXX.I immediately phoned chase bank to file a claim and also went into a branch in person Because I was so Paranoid not knowing Who was authentic and who wasnt. I filed a police report with XXXX XXXX police department and faxed all supporting documentation to Chase. They told me it would take 10 days to investigate and after the 10 days my claim was denied. I feel their investigation was lacking depth .. chase could have checked my cell phone records and found the number I called on XX/XX/XXXX at XXXX oclock ... and there was also the name of who my money was transferred to .. They indicated to me that they did not believe me. I need that money back because I need to pay for my XXXX.

Company response to consumer: Closed with explanation