BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-24
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I sent a letter to XXXX/Westlake Financial Services to provide proof of validation, requesting a copy of the application/form with my wet signature authorizing XXXX/Westlake Financial Services to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; if no physical proof is provided to myself within 30 days to please remove this inquiry from my credit report immediately.

They were unwilling to to provide a response to my request for physical proof such as a contract or authorization form or removed such item from reporting to XXXX, XXXX & XXXX as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have held a mortgage with NewRez LLC for 5 years and have never been late on a single payment. NewRez purchased the loan from the bank that originated the mortgage. 

I initiated a mortgage refinance with NewRez LLC on XX/XX/21. I completed the application process and uploaded all the required documents to the loan originator by XX/XX/21. The refinance has not progressed as one would expect. After 3 months without responses the loan processor has resubmitted the refinance to underwriting. The underwriters seem to be stalling the refinance by asking for irrelevant documents, as well as documents previously confirmed as received. I am unable to get responses from the loan processor or originator to my inquiries. 

The biggest issue here is that NewRez LLC already holds the current mortgage for the property I am attempting to refinance. I am not borrowing any additional principal ; I am simply refinancing to take advantage of the lower mortgage rates. The difference in interest rates between the current and new mortgage is costing me {$300.00} per month which NewRez LLC is stalling to continue to collect from me. 

It has become clear that Newrez is simply utilizing irrelevant and redundant document requests to delay and discourage me from refinancing this loan. 

I have a high credit score, have not had any lapse, or change in employment or income in the last 5 years, and I am only refinancing half of the market value of the property

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Creditor Name : XXXX XXXX Date of Inquiry : XX/XX/2022 Reason : this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately.

By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit repert. It is my understanding that you will recheck these items with the creditor who posted them. 
I want the CFPB to publish this description on consumerfinance.gov so that others

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Commonwealth Financial Systems, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: JPMORGAN CHASE & CO.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house, but then I realized that I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages on my report. it is a defamation my character. 

I am wanting to dispute these inquiries to be deleted because I did not authorize these companies to run my credit, they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Zions Debt Holdings
State: MN
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:
A Company by the name of Zions Debt Holdings is claiming I owe them money from a XXXX XXXX account collection that I have never in my life had. XXXX a couple years ago posted this same false information to the credit bureaus which hurt my credit in which I disputed it with them and the credit bureaus to have it removed as it was not ever purchased by me. They did remove it as it was an error and now a couple years later this Zions Debt Holdings is claiming that they bought the debt and trying to collect money from me. Again, I've never had XXXX XXXX and this contract that Zions Debt Holdings has was done so in identity theft and doesn't belong to me. I've had XXXX XXXXXXXX XXXX  my home since moving in and that is and has always been in good standings. I ask that this collections account be removed from my credit report and fully cleared from my name as someone clearly used my name and address to get a contract for security only to cancel it shortly there after. Thanks much.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 1 month to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-10-25
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX per phone conference with supposedly the student loan Manager for Firstmark Services. Original loan was received from XXXX XXXX and was put together by my son and XXXX University in the amount of XXXX. We believe, as real estate agents, that we got the loan on a fixed rate of 6 % back in XXXX. The XXXX loan, with a balance of XXXX, will never be paid off by this former XXXX University student that was not able to graduate because of health. 
Speaking to the Manager your treated as a reasonable XXXX by asking for assistance about an original fixed 6 % interest back in XXXX. Trying to review records from that time and from that lender, XXXX XXXX, can not be accomplished by us. This is why were asking for help because we are co-signers supposedly and Firstmark Services believes its okay to use XXXX XXXX transfers to an interest rate of almost 13 %. I truly hope there is an error and I hope its not my XXXX and hard working family at fault. I would appreciate help and I almost wish we didnt have to go through unhelpful master of profit Firstmark Services . Thank for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: EQUIFAX, INC.
State: VA
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:
I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX-XX/XX/XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
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:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, SETTLEMENT XXXX  Date of Inquiry XX/XX/XXXX, SETTLEMENT XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I have been contacting transunion, XXXX  and XXXX  regarding several accounts that are both fraudulent and some incorrect. They continue to disregard my information and LIE. saying the information is valid. They have caused me stress for many years and i need additional help to please fix these issues. Attached on this complaint is proof of receipt that i owe a XXXX balance. Also proof of the employee who sent the receipt who still currently works for XXXX. And lastly a incident report because XXXX has forced me to contact the police to resolve this matter.

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 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-06-09
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: SC
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 5th 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 alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XXXX of 2018 I closed a loan with Ditech. The pay off loan was funded on XX/XX/2018 and Ditech didn't close the loan until XX/XX/XXXX. Ditech reported to the credit bureaus a 30 day late payment even though they said it was funded on the XXXX. I contacted Ditech in XXXX when I discovered they had reported a 30 day late payment. They advised me to send the closing documents which showed when the disbursement actually occurred. I emailed to their customer service department the closing documents. I never heard back from them. Now in XXXX, the late payment is still showing on my credit. I called Ditech again, they have no record of my previous call and now I have to fax or mail the closing documents into them. Either way they have falsely submitted a 30 day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My card has been charged an " Optional Enhanced Debt Protection '' fee that I was unaware of and did not opt in to. When I called today to cancel it, I was told it has been on my account since XX/XX/2012. It is about {$12.00} a month ( {$0.00} per {$100.00} of balance ), so I have paid {$1200.00} to this when I never gave consent for it. This card is with Citibank through Best Buy.

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 2018-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My transunion report show a collection account thats is not valid and does not belong to me, under FCRA transunion has failed to provide me with the proper procedure they follow to investigate a collection account that does not belong to me. i would like this collection account deleted from my report with any further delays as its hurting my credit. 

XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL 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 2023-06-04
Company: Resurgent Capital Services L.P.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

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 15 U.S.C. 1681 SEC 602A States i have a right to privacy.

15 U.S.C. 1681 SEC 604A SEC2 Also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 C. ( A ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any of the following items of information other than records of conviction of crimes which antedates the report by more than 7years.

15 U.S.C. 1681 SEC2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate info on all 3 of my credit reports ( XXXX, XXXX, Transunion ) XXXX The account has been paid off and the third party collection agency has deleted their trade line from my credit report. The creditor has agreed to remove this charge off from my credit reports but it is still reporting each month. I have disputed this account through each of my credit reporting agencies but they all validate the data with no changes.

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