BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : 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 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 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 2022-09-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a case XXXX ( that was just closed with CFPB ) to address inaccurate information on my credit report. The issue was resolved with XXXX but not with Experian or XXXX. The information was coming from XXXX XXXX XXXX. I provided proof that I had paid the lease in full and was being wrongly identified as having terminated my lease early. I paid the lease off and turned the vehicle in because NY state was shutting down all businesses due to the pandemic. I had called XXXX and was told that I could 1 ) keep the vehicle until the business reopened and continue to make lease payments or 2 ) return the vehicle as long as the lease was paid in full. I chose to return the vehicle, paid the lease off in full, and avoid continued payments for an unknown length of time. I have attached paperwork showing that XXXX recognizes that my lease was paid in full. I also attached my response to the only letter I received from XXXX in XX/XX/XXXX. I had to write to XXXX as I could not get the issue resolved by phone. XXXX has not responded to any of my letters. If I call XXXX, I am transferred and eventually hung up on. I have not been able to resolve this issue with XXXX. I did provide all of my evidence that this early termination charge is inaccurate to all three credit bureaus, and XXXX has removed it. Experian removed a completely paid off and in good status XXXX XXXX XXXX account from XXXX but left the XXXX account from XXXX that I was disputing on my report. I have no idea why. I have tried to contact Experian to clarify and am not able to resolve the issue or get a rational answer explaining why this happened. I am awaiting results from the dispute I filled with XXXX. I am attaching documents verifying this information. Please note that my name was XXXX XXXX at the time of this lease and is now 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 2023-09-26
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-06-15
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 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 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 2015-04-06
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX 2011 XXXX XXXX XXXX XXXX XXXX sold my property to the same investor BANK OF NEW YORK XXXX XXXX XXXX XXXX I filed a lawsuit against them we did a seattlement obtaining a loan modification on the account but I never got title back, the property is not showing on my name the title is showing still with the name of XXXX ( XXXX ), I had contacted the attorney that represented the trustee and the investor with no results until now, they dont know what happend to my case and the lender who is now Nation Star said that I XXXX XXXX appear as the owner, but I have a person living in the property that I wanted to do an unlawfull detainer and is not possible because Im not holding title. This continues to affect my credit since is showing as Im late, I also have a city report with a ticket becuase of the bad condition of the proeprty I cant fixed becuase the tenant doesn allow me to enter in the house because according to him and his attorney Im not the owner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
our house was on the market for a short sale already agreed upon by both parties. We have an agent who was in constant contact with the mortgage company and they have authorized a short sale. Suddenly we received a message that the house has been foreclosed on XXXX XXXX with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

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 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 2023-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 credit reporting company is no properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Kansas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and unfairly damaging my credit score. Specifically, I am disputing the following accounts : 1. XXXX XXXX XXXX XXXX Charge Off Account 2. XXXX XXXX XXXX Charge Off Account 3. XXXX XXXX XXXX Collection Account 4. XXXX XXXX XXXX XXXX Charge Off Account These accounts are not mine or have been previously resolved. I have made every effort to rectify these errors, but they persist on my credit report. The incorrect reporting of these accounts has negatively impacted my ability to obtain credit, resulting in higher interest rates and fees. 

I have attached supporting documents that demonstrate my attempts to rectify these errors, including correspondence with the companies in question and records of payments made. I am requesting that these items be removed from my credit report immediately, as they are causing undue stress and financial hardship. 

According to the Fair Credit Reporting Act, you have a legal obligation to investigate and correct any errors on my credit report. I expect a prompt response from you regarding this matter, as I am eager to rectify these errors and improve my credit score. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2015-07-18
Company: BlueChip Financial
State: NJ
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I had my identity stolen. I had fraud alerts put on my credit with the XXXX credit bureaus. Blue Chip financial was going to approve a fraudulent loan, ignoring the fraud alerts. I found out through XXXX about the new loan and contacted Blue Chip to have it closed and have it erased from my credit report which is not happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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 have reviewed my credit report obtained from your bureau and noticed the aforementioned credit inquiry, which I did not authorize or initiate. As a consumer, I have the right to accurate and fair reporting of my credit history, and unauthorized inquiries can have a negative impact on my creditworthiness. 



In accordance with the FCRA, I request that you conduct a thorough investigation into this matter and provide me with the following information : 1. Verification of the permissible purpose for the inquiry made by 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 XXXX XXXX XXXX XXXX XXXX XXXX. Proof of my written consent, as required under the law, authorizing the inquiry. 

XXXX. Documentation validating that the inquiry was made lawfully, with proper adherence to the FCRA guidelines. 

Please note that I have not authorized any third party or entity to access my credit information, except in specific instances such as applying for credit or loan applications, which are not applicable in this case. 
Per the FCRA as a federally protected consumer i am now opting out of any and all authorization, I the consumer my have given you written, unwritten, verbal and non verbal per XXXX XXXX XXXX XXXX effective immediately and indefinitely I kindly demand that you complete the investigation within the timeframe specified by the FCRA, which is usually 30 days from the date of receipt of this letter. As per Section XXXX XXXX XXXX of the FCRA, I also demand that you promptly update and correct my credit report after finding that the inquiry was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX 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

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 2015-04-11
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Nationstar Mortgage. In XXXX, 2015, made a payment which it was interest only. Today, when I was about to make the XXXX payment I realized that the funds were not applied, I presume because my plan changed to regular amortization. 
My complain is that I was not advised of the change during the last 60 days so I could refinance ; they do not send me any document in writing by mail, and by e-mail I was not warned to. I need to refinance my XXXX and XXXX mortgage that has been impossible since my mortgage is not owned by XXXX or XXXX XXXX, so it will be a no ending struggle with this company?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting 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 creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: TN
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly 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 explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 to the Fair credit reporting act. the following creditors has violated my rights15 USC1681. section 602 states I have the right to privacy. 15 USC 1681 section 604 a section states that a consumer reporting agency can not furnish any account without my written instruction to consent, nUnder 15 USC1666b a creditor may not treat a late as late for any purpose payment on an account TRANSUNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Ive sent numerous of certified letters to agencies asking of removal of all inaccurate information according to 15 USC 1681, USC151681sec 604, 15 USC 1666b.

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 2023-06-12
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
We both have this joint account on this car loan. And my name is on that car and i need to get it off. And no one will help me. The people we financed it with won't let me have access or get my name off even tho my name is on it not just his and when it comes to that account when I check my credit score I can't even access the full report. He has full access I don't and I want to know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Harley Davidson Financial Services Inc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep having calls regarding a debt owed to Harley Davidson. No one at my number has any dealings with the company calling. I've told them to stop, and they continue to call and hang up now that I don't answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
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 7 months 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/XXXX XXXX XXXX

Company response to consumer: Closed with explanation