BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
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 XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 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. 
XXXX XXXX XXXX XXXXXXXX reporting as charge-off XXXXXXXX XXXX XXXXCharged off as bad debt|Canceled by credit grantor XXXX XXXX XXXXREPORTING DEROGATORY XXXXXXXX XXXX XXXX XXXX-Derogatory XXXX XXXX XXXXXXXXPayment after charge off/collection|Paid profit and loss INQUIRIES XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2021-02-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Account information incorrect

Complaint:
First they put multiple first six numbers on the accounts XXXX .thats on my credit reports. same things on report, trying to get me to pay on bankruptcy bills. XXXX XXXX XXXX  had two but one was misspelled and dont excised. XXXX is one company XXXX. I want proof of the bills. Next is portfolio debt collection that phone number is XXXX they are the ones over XXXX XXXX XXXX. Im very XXXX and I never lived in the city where one bill is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Accounts # XXXX and XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-07-25
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:
This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was granted a loan forbearance by Shellpoint/NewRez pursuant to the CARES Act. This forbearance expired on XX/XX/XXXX, and I was advised that Shellpoint elected to exercise the loss mitigation option of adding the forborne amounts to the end of my loan. 

Upon conclusion of the forbearance period, I was granted a deferment by them on XX/XX/XXXX. The deferment agreement specifically states that my next payment is due on XX/XX/XXXX, and that the payment amounts between XXXX and XXXX will be added to the end of my loan ( i.e. due upon either payoff or loan maturity ). I fully intend to resume loan payment as on XX/XX/XXXX, as my hardship will have ended by then. 

Despite the above, I continue to receive communications from Shellpoint telling me that my loan is " delinquent '' and " past due '' and asking me to contact them for " options on how to avoid foreclosure. '' I have spoken with customer service representatives at Shellpoint on XXXX occasions now, and they keep reassuring me over the phone that they will not take any adverse actions and that my next payment is not due until XXXX, but that they " can not suppress collections letters. '' I think that Shellpoint continuing to send me correspondence that my home is going to be foreclosed on despite having contractually agree to a loan payment deferral until XX/XX/XXXX constitutes an unfair, deceptive, and abusive practice under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and is also a violation of the Fair Debt Collection Practices Act. 

I would like the Bureau to order Shellpoint/NewRez to cease sending me letters telling me that my home will be foreclosed on while the loan is in deferment. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Reporting company used your report improperly

Complaint:
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.

In accordance with the fair Credit Reporting act CREDXXXX XXXX XXXX XXXX  Missed LATE Payments last reported {$960.00} XX/XX/202XXXX XXXX XXXXXXXX BANK XXXX late payments last reported {$590.00} XX/XX/202XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022, and XXXXXXXX XXXXXXXX XXXX  XXXX Missed late payment last reported XX/XX/2022, XXXX XXXX XXXX XXXX XXXX Missed late payments last reported XX/XX/2022. XXXX XXXX XXXX XXXX {$8900.00} I owe them that's in collections they are not the original creditors. 

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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. 

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
There was a XXXX  account that went to collections XXXX of 2018. It was removed than reported as recent which is not true. This is hurting my score a lot

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 2019-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2021-11-26
Company: CORELOGIC INC
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: Reporting company used your report improperly

Complaint:
I am a consumer protected by consumer and federal law. CREDCO is in violation of using my social security card which is defined as a credit card pursuant to 15 USC 1602 ( l ) without any benefit to me as agent to my principle.

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 2022-10-21
Company: EQUIFAX, INC.
State: PA
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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new checking account under a promotion to receive {$200.00}. To qualify, I had to open it between XX/XX/XXXX and XX/XX/2019 ( I opened it on XX/XX/XXXX ), make cumulative deposits of at least {$1000.00} within 60 days ( I made two {$2500.00} deposits on XX/XX/XXXX ), and maintain the account for at least 90 days ( the account is still open, and I have made no withdrawals ). This was the first deposit account I have ever opened with Huntington Bank, and the {$5000.00} total that I deposited came from my pre-existing checking account at XXXX XXXX XXXX. 

When I contacted Huntington Bank to inquire about the status of the {$200.00} reward, I was told I did not meet the terms because I used a " cash app '' to deposit the funds into my account, and thus this is considered a " credit, '' and not a deposit. However, the Bonus Addendum does not differentiate between " deposits '' and " credits, '' and simply states that " [ t ] ransfers from another Huntington deposit account do not count as a deposit. '' It makes no other qualifications about what counts as a deposit, and these funds came from my pre-existing XXXX XXXX XXXX  account. Additionally, the Consumer Deposit Account Agreement does not differentiate between deposits and credits, and I would argue that to most consumers, these two terms  essentially mean the same thing. Most importantly, it no where states in the Bonus Addendum that these types of deposits would not be considered deposits for purposes of this promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-15
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Date : XX/XX/2017 Amount : {$5600.00}

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 explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
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:
My name is XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I responded to an ad on XXXX about a rental property. On XX/XX/XXXX, I made a wire transfer for {$5000.00} to a person I believed was the landlord of the property in order to secure the apartment. On XX/XX/XXXX, I called my bank, Chase, to authorize the transfer. Chase told me it will take 24hrs to process it. 

However, I realized quickly it was a scam and called Chase back two hours later. I asked to cancel the wire transfer. The transfer was still pending when I checked my account. Chase responded that I missed the cut-off. I explained to them that it was a scam and as an ethical organization, I urged them to do more. They responded that there's nothing they can do at this point. 

I asked then for a wire recall. Chase responded that I needed to wait Monday morning to contact the Wire search team. the fact that I had to wait a whole weekend and give the scammer plenty of time to close his account and disappear is just unacceptable. 

Monday, XX/XX/XXXX, I called the Wire search team at Chase. They told me they will reach out to the other bank involved, XXXX. On XX/XX/XXXX, Chase called me back to tell me that XXXX contacted them to inform Chase that its client is unwilling to give the money back. The fact that this answer was enough for Chase is just once again unacceptable. I provided proofs regarding the scam and Chase was not willing to do anything about it. 

Furthermore, I believe Chase didn't wait for me to authorize the transfer to process it. On XX/XX/XXXX in the morning, I received a message on my phone from Chase telling me they need my authorization in order to process the wire. However, on XX/XX/XXXX in the afternoon, I also received the following email. 

" We have not sent your wire transfer referenced above because of a delay in processing. We will continue processing your request and contact you if we need more information. '' For that reason, I believe Chase was reckless and started processing the wire transfer before I gave my authorization. That's why I believe when I called back two hours after I gave the authorization, Chase had already processed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Bread Financial Holdings, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I went into XXXX to get some clothing and handed over my credit card. As I was paying, the associate ask me if I wanted sign up for a credit card, so I said yes that would be fine. They handed me a card and I went on my way. Next month, I went into the store to pay my credit card and I went in and handed them the card they gave me. The associate said this was a rewards card and nothing to be paid. The associate was new and instead of trying to look if I had a credit card, just told me I had nothing to pay since it was only a reward card. So I figured that they must have used my regular credit card, not XXXX 's credit card, that I handed to them to make the purchase. A month later I got a letter from XXXX stating that I was now in collections, so I ran down to the store to pay it off and the supervisor apologized for the confusion and was able to locate my account and pay it off in full. I paid it off in full but she never mentioned that they would leave the late payments on my credit report even though it wasn't my fault. The supervisor apologized for their reps confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made several earlier complaints against this mortgage servicing company - Seterus Inc ; - my complaint reference # XXXX of XX/XX/XXXX refers. 

With effect from XX/XX/XXXX - Seterus Inc ; transferred my loan servicing to another company - Nationstar Mortgage LLC d/b/a Mr. Cooper. This was done without my agreement, especially as my several complaints against Seterus Inc ; have remained unresolved. 

At the time of transfer to Nationstar Mortgage LLC d/b/a Mr. Cooper - Seterus Inc ; mentioned in 1098 form of XXXX that they paid for my real-estate taxes. I have no escrow, either for real-estate taxes or for hazard insurance. I am wondering how and why Seterus Inc ; paid my real-estate taxes without my knowledge or without being requested by XXXX XXXX Texas officials. 

An action needs to be taken by CFPB against this company, as I have noted from your web-site, millions of complaints have remained unresolved against Seterus Inc ; Kindly provide resolution of my previous complaint # XXXX dated XX/XX/XXXX and resolution of this complaint. 

It is of utmost importance that I receive a response, as Texas Department of Savings & Mortgage Lending ( Texas SML ) is dealing with Nationstar Mortgage LLC d/b/a Mr. Cooper. For your information - Nationstar Mortgage LLC d/b/a Mr. Cooper is also manipulating their records, harassing, and making our life difficult - treating us like criminals, although we have and are making timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: EQUIFAX, INC.
State: MI
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:
Equifax is reporting that my harley davidsion payment status is currently 30-90 days pass due and date of last payment is XX/XX/2019. 

I filed a dispute with them and transunion submitting proof in the form of my last statement from XXXX that it is current and date of last payment is incorrect as they are reporting it. 

XXXX  fixed the problem but Equifax refuses to fix it even after I personally called them and asked them to fix it. I am being refused a vehicle loan based alot on this error and I need it fixed. 

I can not see if XXXX  is reporting false information or not because I keep having problems trying to check it and file the dispute. 

I dont know why they wont fix it with me submitting the solid proof in written form to them or if XXXX XXXX keeps reporting false information but I would like it fixed or have XXXX removed from reporting on all three credit reports due to irrenious reporting per the FCRA and constinaly filing disputes. 

I worked hard to fix my credit so I can buy a home to retire in but this hassle with the credit reporting agencies is stopping me. 

Please help me fix this XXXX XXXX reporting problem if not at least fix eqifax to report it correctly. 

I currently only have my statement from XX/XX/XXXX showing XX/XX/XXXX being paid on time. XXXX has not issued my statement showing XX/XX/XXXX payment on time but you can call and verify that it was paid on the due date of XX/XX/XXXX. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX submitting this complaint to follow up the previous complaint I submitted on XX/XX/XXXX requesting the removal of the fraudulent information from my Credit report. I sent a letter on XX/XX/XXXX to remove the Accounts and Inquiries that are completely UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX, # XXXX & I am including these fraudulent items once again : XXXX XXXX Balance : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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