BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: LA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: MI
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 block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX, XXXX.Ive already included this report in my previous letter & I am including it again. Also, the information you 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, MI XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX XXXX XXXX Balance XXXX {$380.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX  XXXX Balance : {$890.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXXXXXX Balance : {$920.00} XXXX  XXXX  XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXXXXXX Balance : {$65.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: EQUIFAX, 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:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: MA
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26
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: Their investigation did not fix an error on your report

Complaint:
Ive been trying multiple times to dispute the erroneous items on my report but my disputes has been ignored by the Credit Reporting Agencies. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. I am investigating my Credit File for proper understanding my XXXX XXXX XXXX noticed the following : 1 ) the account DPT EDXXXX XXXX Balance Owed : {$3700.00} is reporting as late when in fact I never paid late for this account ; 2 ) the account XXXXXXXX XXXX XXXX Balance Owed : {$0.00} has been paid and the balance is XXXX and yet the accounts is being reported as late ; and 3 ) I noticed that the disputed accounts report their dispute status as " Account not disputed '' even though I have been disputing this account for 6 months already. How could the Credit reporting Agencies report the status as " Account not Disputed '' when I have been disputing these accounts for a long time already? It made me wonder whether the Credit Bureaus are really contacting the Creditors or are they just making things up. As what the Credit Bureaus have responded to my CFPB Complaint via Consumer Portal, the Credit Bureaus have verified that the disputed items are accurate. It makes me doubtful of the Credit Bureaus action and I need to stop their erroneous reporting by updating the disputed accounts or completely removing the disputed accounts completely from my Credit file.

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 2023-07-05
Company: Lendmark Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I sent this XXXX to XXXX. XXXX/ XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Lendmark Financial Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date XX/XX/23 Re : Unauthorized Credit Inquiry To Whom It May Concern, I recently received a copy of my credit report. The statement showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that youve had the unauthorized inquiry removed.

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and remove from erroneous reporting in my file are listed on my credit report : 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

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 2023-10-17
Company: STATE BANK OF INDIA - NEW YORK BRANCH
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I took my cousin ( as I always did and her caregiver to State Bank of XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX. I am the XXXX  of my cousin 's assets. My cousin went because the notice said her CD had matured. The caregiver and I were put in an office with the door closed for confidentiality reasons. NO transactions took place. No money exchanged hands due to the maturity date of the CD was incorrect. The bank reported us ( caregiver and myself ) to the XXXX XXXX XXXX to investigate XXXX XXXX. We no longer have access to the information due to termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint. 

I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and according to 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 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : US DEPT ED Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX Account # XXXX 5. Account Name : XXXX XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX XXXX  Account # XXXX 7. Account Name : XXXX Account # XXXX 8. Account Name : XXXX XXXX XXXX Account # XXXX 9. Account Name : XXXX XXXX Account # 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 2023-08-30
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: NY
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-29
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My father XXXX and I am receiving a demand notice on his reverse mortgage. The uploaded demand notice from the lender, Champion Mortgage, gives me 30 days to pay in full before they initiate foreclosure. XXXX see options A, B, C, or D ) When I called Champion Mortgage I was told they would give me 75 days to submit my intentions with the property or ask for an extension. When I called, I was told they will not put these options in writing. Instead I get the following what I call scare tactic from Champion Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The account was closed and charged off but still adding late fee and interest to account and reporting late payment.

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 2023-07-24
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have bill pay set up and utilize it often. I was shocked to see Wells Fargo bypass my instructions et pay payee earlier than I scheduled for payment to be sent. They were rude oppositional and hostile when I approached them. Each customer support person was dismissive especially XXXXXXXX XXXX XXXX They continued to gaslight the situation and were defensive et rude. They make too many errors et this unfair especially since they are unauthorized. They also changed my pin without informing me. I have yet to receive a pin as well. What is with this banks service. It seems like they promote a culture of disrespect et being disingenuous. This XXXX must stop. This unauthorized meddling in my account must stop. One other thing I was promised for all these errors they would send me a bouquet of flowers ou some plants with planter

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 2022-09-26
Company: EQUIFAX, INC.
State: AL
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:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy.

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Harris & Harris, Ltd.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a medical appointment with XXXX XXXX. XXXX XXXX failed to file with my insurance company after multiple discussions in XXXX and XXXX of XXXX. I eventually contacted the insurance company in XXXX of XXXX and they contacted XXXX XXXX with me on the phone and said that XXXX XXXX was failing to file it under the proper state. In XXXX of XXXX we received our first letter from the debt collector, Harris & Harris. I asked the debt collector for time to discuss the bill with XXXX XXXX. We called XXXX XXXX again on XX/XX/XXXX and threatened a XXXX  complaint, at which time they escalated the complaint to management and filed the insurance correctly. On XX/XX/XXXX, within 30 days of the first debt collection letter, I sent a certified letter requesting debt validation. I then received a debt collection letter dated XX/XX/XXXX from Harris & Harris. I called Harris & Harris on XX/XX/XXXX and they verified that they had received the request for validation, but sent the letter because they were still processing my debt validation request. I understand that it is illegal for a debt collector to continue collections after receiving a request for validation within 30 days of initially informing me. They did continue collections by letter, of their own admittance, after receiving my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
NationStar has XXXX in less than 6 months reported erroneously Loan No. XXXX. I received a letter from there research Dept in which they acknowledged an error in reporting this information and the correction and updates to credit bureaus to be performed in XXXX 2015. After having made the corrections and updates, today XXXX/XXXX/2015 they have again fro a XXXX time reported erroneously this loan information on my credit profile and have directly impacted my credit worthiness reducing my credit score by more than XXXX points from XXXX to XXXX. 
Because this is already a XXXX time I would appreciate an investigation and any all sanctions applied due to clear Violations of FCRA. 
I may be contacted directly at XXXX or email at XXXXXXXXXXXX. 
Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I AM ATTEMPTING TO AVOID A FORECLOSURE SALE BY APPLYING FOR MORTGAGE ASSISTANCE. MY SERVICER, NATIONSTAR, HAS NEGLIGENTLY PROCESSED MY MORTGAGE ASSISTANCE REQUEST. I VERBALLY WAS NOTIFIED THAT I WAS DECLINED AND I WOULD RECEIVE THE DETAILS FOR THE JUSTIFICATION BEHIND THE DECLINE IN WRITING IN THE MAIL. IT NEVER CAME. AFTER SEVERAL ATTEMPTS OF COMMUNICATING WITH NATIONSTAR AND ASKING OVER AND OVER FOR A WRITTEN DENIAL, I WAS INSTANTLY PROVIDED A DENIAL LETTER VIA EMAIL ON XXXX XXXX, 2015. THE DENIAL LETTER WAS BACK-DATED TO XXXX XXXX, 2015. I AM REVIEWING FOR A POSSIBLE APPEAL FOR THE DENIAL, HOWEVER, I WAS VERBALLY INFORMED THAT MY XXXX DAY RIGHT TO APPEAL IS ABOUT TO EXPIRE BECAUSE THE TIME CLOCK STARTED XXXX XXXX, 2015 XXXX THE BACK-DATED DATE ). NATIONSTAR DID NOT PROVIDE A DENIAL LETTER IN A TIMELY MANNER. WHEN THEY DID, THEY BACK-DATED THE LETTER. NATIONSTAR IS DENYING ME THE RIGHT TO A XXXX DAY APPEAL PERIODL

Company response to consumer: Closed with explanation