BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, 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:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit report. this has been an ongoing issue that needs to be reviewed. all information listed is reported illegally an is fraudulently reported on my credit report. ive listed all data that needs to be removed. please review the listed items to properly delete an remove all information listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-09-16
Company: Experian Information Solutions Inc.
State: NC
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 notified all 3 Credit Reporting agencies - XXXX, XXXX, and Experian- as well as XXXX XXXX XXXX subsidiary- that I was no longer an authorized user of my XXXX XXXX XXXXXXXX XXXX Credit Card XXXX None of the parties have removed the debt from there reports. The end result is that my credit score has been artificially been kept low by including this debt in the calculation of my credit score.

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 2017-12-16
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
( XXXX ) This is the third complaint against this company who changed their name from Nation Star to Mr. Cooper, but the complaints are the same. CFPB closed the last complaint because the company responded, that seems to be a common result ... as long as they respond the complaint will be closed. This company has not offered any other help after we have made it clear these payments are not acceptable. We were told that once we made three trial payment our payment would be much lower. The trial payment were made but this resulted in higher payments and the company responding my XXXX exemption was not 100 % and XXXX XXXX sent tax payments out, although the tax were sent back several times. It seems that contacting this agency for help is not working as it once did and mortgage company like this one will continue to play games, hire unqualified people write garbage explanations back to homeowners. I will take this to another agency for help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: TX
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:
improper use of credit report and reporting company used my report improperly

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 2023-09-12
Company: EQUIFAX, INC.
State: NJ
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:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: AZ
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
As an XXXX XXXX military person I was denied access to my personal bank via accessing electronics or deposit options while in training for the dates covered in the orders provided. During this time my personal bills were set up with automatic payments however I was denied access to deposit funds into said account. No person had power of attorney to correct these action on my behalf while I was in XXXX status for training. However as soon as I was allowed access I immediately paid all payment that were missed and have continued to contact the credit reporting agencies to correct this action as I am no longer past due and no intentions of avoiding payments were present during the missed transactions.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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:
We were going to change our Social Security deposits to an existing account which we haven't used much. Because of their rules to have a debit or credit card we chose credit card. When trying to get the card, our PIN numbers for our security freeze did not work. We then submitted our credit information to be sent to our mailing address. 
I typed in the information into their computer and when we got the written information to our XXXX XXXX XXXX the name came back as XXXX XXXX and it told him they had no credit information on him. We requested checks to be sent to the credit union on XXXX XXXX XXXX in XXXX, XXXX. XXXX since that is the branch near us and with whom we were working. When I checked on the whereabouts of the checks XXXX told me they were sent to our home address. I specifically requested they go to the credit union. 
We never did get our credit reports to be sent to po box and they never arrived. While we were there working updating the account, XXXX, the manager walked in and disappeared. Another young man was in one of the cubicles on his computer. 
I think there is a problem with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. The first day we opened the account a couple of years ago, our mail was dumped all over our front lawn, which resulted in the use of a XXXX XXXX XXXX in XXXX, XXXX. XXXX. We immediately canceled the account at the main XXXX office on XXXX XXXX, but I doubt the person closing it. did much about it. He seemed rather indifferent to the complaint. 
We rented a condo in XXXX XXXX XXXX  from some people by the name of XXXX and XXXX XXXX XXXX XXXX XXXX who live on XXXX in XXXX, XXXX  XXXX. Our lives have not been the same since.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
This information is not mine, it does not belong to me and I do not want it in my report. 

XXXXXXXX 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 2023-11-28
Company: Revco Management, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I visited the emergency room at XXXX XXXX XXXX. After receiving care, which was unfortunately subpar ( although that's a different topic ), I received several invoices and bills. Promptly, I paid all of them upon arrival since I have primary insurance and a secondary insurance covering additional expenses. One bill from the hospital amounted to {$1200.00}, and I immediately settled it using my secondary insurance 's debit card. The payment was processed on the same day I received the invoice. 

However, six months later, I received the first letter indicating that I still owed the hospital the mentioned amount. I promptly called and faxed the document proving the payment made by my secondary insurance ( Spending Account Service Center ). I submitted a downloaded copy of the statement, clearly displaying the date and the amount paid. Despite my efforts, a few months later, I received another invoice claiming the outstanding amount. I called once again, providing all the information, and they assured me that they would address the issue. 

To my dismay, I recently received a collections invoice from XXXX XXXX XXXX XXXXXXXX, stating that my bill was no longer under the hospital 's collection but had been handed over to a third party. Now, I find myself having to invest more time in resolving this issue that the hospital failed to address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
They reported us to for being more than 30 days late, but we have NEVER been late with our payment. This has affected our credit score.

I have made 3 phone calls and 3 emails to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions 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:
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 : US DEPT ED Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Westlake portfolio management contacted me in regard to a paid off debt for us auto sales. I have request multiple times through recorded lines to have a debt validation letter and original contract with wet signature sent to me for verification. This company states I owe them for a bill that was paid in full. I have never signed nor agreed to do any business with this company. The company has been unable to provide me with any physical evidence of any contracts or documents. The company Westlake portfolio has called me from over five different phone numbers ever single day to the point of harassment. West lake portfolio states I have an auto loan with their company that shows up on my credit report but the company can not provide any documentation or records of the loan.

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 2023-02-07
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: MOHELA
State: IL
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:
Mohela XXXX company. 
16 CFR 433.1 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/1977, shall be exempt from the requirements of 16 CFR XXXX XXXX  with respect to such contract provided the contract does not cut off consumers ' claims and defenses. 

( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. 

( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. 

( XXXX ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. 

( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. 
Mohela / XXXX fraudulant companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had received a letter in the mail from a company named XXXX XXXX, who posed as partners of my main loan servicer, XXXX. Their ( scholastic solutions ) phone number being XXXX. The letter stated I qualified for a student loan repayment plan, I called them thinking they were legit, I paid {$790.00} to start my repayment plan, in XXXX of 2022. Since then, I have been paying {$39.00} a month to these people, who stated after XXXX payments, my student loan debt of {$32000.00} would be completely forgiven. I wanted to check on my payment progress, and when I signed into my servicer account through XXXX, there was no payment history on my account, which I had found weird since I have been having {$39.00} taken out of my account every month. They informed me that XXXX XXXX like to pose as third party servicers, and steal money from people. So the money they have been taking from me had in fact not been going towards my student loans. I have paid these people a total of {$1400.00}. On my bank statements they were first listed under XXXX XXXX  and they now have changed their name to XXXX. When I called my bank ( bank of america ), I spoke to the fraud department and they helped me set up a payment block against this company, but they stated they would not be able to confirm that they would get my money back. They stated this was not considered fraud since I gave my information willingly to the XXXX XXXX XXXX. When in fact the definition of fraud is a wrongful or criminal deception intended to result in financial or personal gain a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities. I was deceived by this company into thinking they were a servicer for student loan debt relief. They stole money from me for their own personal gain, and I was not aware of the fact that they were not a legit company. So to me this should absolutely be considered fraud. I was very disappointed to learn that my bank is not able to do anything for me, and these people have been getting away with stealing from people like me who have student loans to pay. I feel like my bank should have helped me further, they should have been able to somehow reverse the payments that were taken from my account by these people. Im not sure what to do next. Thats {$1400.00} down the drain that I could have used towards supplies for my XXXX XXXX XXXX son.

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 monetary relief
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting 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:
I DONT RECOGIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-12-13
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was with XXXX up until XXXX 2017 and  was bought by Nationstar and is now Mr. Cooper. 
Every month I send them an extra payment of {$1500.00} and instructions to apply in whole to the principal. Every month they apply it incorrectly, every month for the whole year. 
They apply it this way ... 
Principal {$580.00} Interest {$420.00} Escrow {$370.00} Additional Principal {$110.00} That 's {$790.00}, almost {$800.00} that they try not to apply to my Principal on my loan. I have given them instructions and every month they ignore my instructions. Every month I have to call, explain what they did wrong then wait for a couple of days for them to apply the correct amount toward the principal. 
Every month.

Company response to consumer: Closed with explanation