BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-06
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, I paid {$89.00} to XXXX XXXXXXXX XXXX per XXXX XXXX for prorated rent due to move out. XXXX XXXX was provided notice that I was moving from the premises on XX/XX/XXXX. XXXX XXXX submitted a document to National Credit Systems claiming that I owe for a prorated amount of {$45.00} and an additional {$370.00} for XXXX rent. They had taken my security deposit of {$280.00} and added a 2 % interest rate from XX/XX/XXXX - XX/XX/XXXX of {$22.00}. Which results in a {$100.00} account balance. At no point is the {$89.00} taken into consideration, much less the fact that I moved out on XX/XX/XXXX, not XX/XX/XXXX. Furthermore, the ledger is not signed by XXXX XXXX, the XXXX responsible for submitting the debt and the rent amount listed is incorrect. I reached out to XXXX XXXX Systems and requested they validate the debt. They claimed they would validate it, but never got back with me in those regards. Attached will be the documents to support my claim for the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: NV
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 USC 1681. 
Account name : XXXX XXXXXXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Theres a lot of inconsistencies on my report and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts in the letters I attached herewith has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-02-09
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:
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 10 months to no available. I have been disputing 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: Experian Information Solutions 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:
After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. 



XXXX XXXX ( Bank ) XX/XX/2022 - XXXX XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Miscellaneous ) 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 explanation
Consumer complaint received 2022-08-10
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A.

States I have the right to privacy. 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 account # XXXX, XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX has violated my rights 15 U.S.C. 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : 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 2016-04-19
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage is held by Nationstar Mortgage. We went into XXXX XXXX bankruptcy in XXXX XXXX. One of the conditions for our successful discharge in XXXX XXXX is that creditors must report to the bankruptcy court that we had fulfilled all our obligations in a timely manner. Nationstar reported that we had done so. 

However, now Nationstar is stating we are in default on mortgage. They have " suspended '' our payments because of {$170.00} in fees that are past due. We have had XXXX different conversations with XXXX different representatives, even though we ask to speak to the person we spoke to the previous discussion. We have now had XXXX different explanations as to the source of the fees and charges and NONE of them are ever the same. We also receive verbal assurance that the " fees '' are in error and that the customer service representative we were speaking to at that time had removed the " fees '' and corrected our loan status. However the phone calls and emails have continued, stating we are in default. 

We have not received a monthly statement in years so when our case was discharged all of a sudden we start getting default notices etc., for these fees that were never disclosed. 

It turns out that a number of these " fees '' were are supposedly connected with the bankruptcy filing. They have been sitting there for years. If these fees were part of or as a result of the bankruptcy, they should have been declared to the court. If they were after the filing, they should have been communicated to our lawyer and to the bankruptcy court as unfilled obligations before discharge. 
We have documented names, dates, call transaction numbers and other details. 

We have acquaintances ( names on request ) that also have Nationstar as their mortgage holder. They claim their accounts are mishandled in the very same way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-06-16
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX  I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-28
Company: NATIONSTAR MORTGAGE LLC
State: OK
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has mis-applied my advance mortgage payments previously. They have done so again, and It is important to me that the funds are applied correctly, as I am retiring. I must check online both XXXX bank and Nationstar ( first and second Mortgages ), or they change the way they apply the extra funds. The agent from another country jhad so much background noise going on, and was unwilling or unable to correct the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: EQUIFAX, INC.
State: MO
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 have send this credit bureau several letters and filed over several complaints that has been ignored over and again for several inquiries that are showing on my credit file that they maintain under my social security number. I am aware that under XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX ), they maybe liable for willful non-compliance. The inquiries are still on my credit report and I have also send a letter to the creditors reporting these inquiries and the credit bureau has refused to remove these. 
1. XXXX XXXX- XX/XX/XXXX 2. XXXX-XX/XX/XXXX 3. XXXX XXXX-XX/XX/XXXX 4. XXXX XXXX-XX/XX/XXXX 5. XXXX XXXX-XX/XX/XXXX The above noted allegations of inquiry is one that LACKS demonstrated evidence of physically verifiable proof of Permissible Purpose or PROOF of Metro 2 COMPLIANCE, as REQUIRED! As such, I am in my consumer rights to demand and compel you to DELETE IMMEDIATELY! The above listed ALLEGATION of INQUIRY is NOT currently reporting COMPLIANTLY due to one or more of the following reasons to include but not necessarily limited to at least that The claim ( s ) are DEFICIENT of VERIFIABLE PHYSICAL PROOF of adequately and lawfully acquired PERMISSIBLE PURPOSE OR THE ACCUSATION is UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT PROVEN of MY RESPONSIBILITY, or else wise DEFICIENT of Metro 2 compliance in LAWFUL REPORTING. That said, it is CLEAR you have NO OPTIONS other than the COMPLETE and IMMEDIATE ANNULMENT by full DELETION/REMOVAL of any and all such physically UNCERTIFICATED information, regardless if true or not. PROOF OF COMPLIANCE is NOT a VOLUNTARY mandate but rather a REQUISITE for you or ANY ENTITY to RETAIN much less REPORT. I demanded that the credit bureau Return to federally required compliance and accurate reporting TODAY, even RIGHT NOW!! But they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: EQUIFAX, INC.
State: NC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-18
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/XXXX EQUIFAX MAIED ME A COPY OF ITEMS ON MY CREDIT FILE THAT HAS BEEN THERE FOR OVER SEVEN ( 7 ) YEARS, ONE WAS XXXX XXXX. THIS COMPANY HAS BEEN OUT OF BUSINESS SINCE XX/XX/XXXX. THE ACCOUNT HAS BEEN CHARGE-OFF AND CLOSED. EQUIFAX CONTINUE TO SHOW THIS ACCOUNT EVEN THOUGH THE COMPANY HAS CLOSED THE ACCOUNT WITHOUT SELLING THE DEBT TO A COLLECTION COMPANY. THE CEO OF XXXX PASSED AWAY AND THE COMPANY IS IN THE PROBATE COURTS. NO COLLECTION AGENCY HAS BEEN ASSIGNED. WHO IS XXXX XXXX. I HAVE ASK FOR COPYS OF SIGNED PAPERS WITH MY SIGNATURE BUT XXXX XXXX HAS FAIL TO PRODUCE. XXXX PRIMARY PHYSCIAN HAS USDED SEVEN ( 7 ) COLLECTION AGENCIES TO COLLECT {$100.00} FOR THE LAST ELEVEN YEARS AND EQUIFAX HAS NOT PAID ATTENTION TO THAT. 
THIS COLLECTION AMOUNT HAS BEEN ON MY REPORT BY SINCE XXXX. THE STATURE OF LIMITATION HAS PASSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wired money from XXXX XXXX into my Chase checking account before noon on XX/XX/2023. I planned to buy a car. At XXXX XXXX. that same day ( XX/XX/2023 ) I arrived at the branch, requesting a cashier 's check in the amount of the cash transfer. The wired money showed as available in both my online account summary and on the computer accessed by the teller. When I requested a cashier 's check I was told I could not access money from a wire transfer until the following day. Interesting, given that my spouse completes billion dollar securities deals using the same wire technology to transfer funds. 

Chase 's position is that they needed to hold the money for 24 hours to protect against fraud, clearly not a practice they follow with corporate clients. It looks like Chase holds personal funds while releasing corporate funds. They can " play the float '' with my money in a way they won't with corporations. How much money from personal accounts does Chase use while telling customers they are protecting against fraud? The purpose of a wire is immediate access. The funds came from a reputable source ( XXXX XXXX ). We regularly wire funds from XXXX into our Chase account. We have been Chase customers for more than a decade with significant sums of money regularly moving through the account. In short, there was a history of these types of transactions from this specific entity. 

I waited at the branch for an hour while the management team tried to address my issue. They called the wire offices in New York, speaking with XXXX XXXX in Retail Customer Service. They said the money would be available at the close of business ( XXXX XXXX EST ). However, as it was XXXX CST we were already beyond that deadline and the money still was not available. At this point, the money from the wire had been in the account over 5 hours. 

Chase caused me significant issues as I tried to complete the purchase of the car. I waited for an hour at the branch. XXXX XXXX was attentive and quite helpful while another manager, XXXX XXXX was impatient and rude, acting as if he was doing me a favor trying to help me access my own money. Overall, Chase made me suspicious. I am having a hard time trusting them with my money when they will not allow me to access it. How much money is Chase barring customers from accessing while they use the money for their own purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH XXXX took out a LPI policy on my loan. 

I've had homeowners insurance with them since 2013 to present. Same address since 2013, same address listed on the Renewal Certificates sent annually to PHH and XXXX XXXX. Same loan number and same Mortgagee and it's accessors and assigns. There was no reason to take out the LPI had PHH and XXXX XXXX did their due diligence and saw that they have been accepting Renewal Certificates with the same address listed since 2013. 

Wasn't until they had a company transition and internal mismanagement that matters became convoluted. They are trying to blame me for their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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