BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-30
Company: Keystone Credit Services LLC
State: PA
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:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( KEYSTONE CREDIT SERVICES ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX, bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX. Transunion has me at a score around XXXX. That is a huge difference. Transunion paints me as a XXXX. XXXX  XXXX  say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. Transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter

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 2023-10-30
Company: National Credit Adjusters, LLC
State: OH
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
This is now in my credit report. It is from an online loan from XXXX XXXX  which I did not do myself. Someone else took this loan out from this particular bank. Is its been sent over to National Credit Adjusters who are trying to collect this money. I have talked to them and discussed to them that I didnt take this loan out. They then told me to go to this website and put in a fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Discover Bank Credit Card- {$1800.00} ( XX/XX/2023 ) I called them and told them this did not belong to me. On XX/XX/2023, stating : As a result of a recent review, we have closed the account referenced above. 

We have taken this action because we were unable to verify the personal information on your account. We will report to the credit bureaus that the account was closed by the creditor, and credit your account with your card rewards balance if you have one. 


It is still on my Credit report after receiving this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
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:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am working in conjunction with Keep Your Home California. I have been approved for {$58000.00} to be paid to Nationstar, dba Mr. Cooper, for my loan # XXXX. I was pre-approved through Nationstar 's HHF division via KYHC. Nationstar was sent an A report on me letting Nationstar know that I had been approved and that the funds would be wired on XX/XX/18 for the payoff amount of {$58000.00}. 
I was told by KYHC that if I do not finalize within 30 days documents that are supposed to be immediately forthcoming from Nationstar my funding will be cancelled. 
I have been trying for over 10 days to get a status on whether or not my funds were received by Nationstar on XX/XX/18, what time, how they will be applied and by what accounting method, what documents they are sending and when, and any other pertinent information so that I can execute on my end and not lose my benefits. 
The Loss Mitigation division does not allow anyone to speak directly to the Foreclosure Prevention division, which is the division that interfaces with KYHC and HHF. I have to go through a customer service person who has to email that division and wait up to 48 hours to get any information to them and another 48 hours for that person to report it to me. THIS IS RIDICULOUS. This is my home and funding we are talking about. 
To date I have received no communication other than a laconic email that said the monies have been received -- no date, no procedural information, and no explanation of documents I can anticipate and their timeliness. I was also given an XXXX number to call my point person, XXXX XXXX, whenever I needed to reach out. I have been dialing this number practically nonstop for the last two days. ( The whole number is XXXX. ) After redialing for 50 to 60 times in a row, the number is ALWAYS BUSY. I even called it just now, at XXXX XXXX Nationstar 's time, and the number is still busy, when callers can not possibly be calling in because they're not open, so I know I am being given a bogus number and the runaround. 
Please do something. I can not risk losing the benefits for which I was vetted and approved and which I need to keep my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Be advised that Nationstar 's response, is factually incorrect, to my CFPB complaint # XXXX. " Please be advised the customer is represented by counsel. The response will be sent directly to their office. '' Unfortunately, all mail sent to my former counsel is returned back to Nationstar which means I may never have an opportunity to review their reply to my complaint. 

I want to point out that the counsel they are referring to has not represented me since at least XX/XX/2017 as identified within the complaint as Exhibit C in which my then attorney notified both Nationstar and the trustee XXXX XXXX  that he no longer represents me and that all future mailings need to be addressed to me directly. Thereby Nationstar have failed to update there records. 

Nationstar have been Noticed on several occasions to the fact that I am to be included in ALL correspondence, Nationstar fail to comply in this matter and further Nationstar have been additionally noticed that my attorney no longer represents me, on more than one occasion. If Nationstar had been diligent in actually reading the complaint in its entirety then Nationstar would have been made abundantly clear to this fact as it is outlined within the complaint. Apparently, Nationstar are of the mindset to simply ignore legitimate complaints, as is seen in this instance. Clearly they have no respect nor honor in their dealings with their " customers '' as this portrays a systemic lack of good faith and is absolutely worrisome to me the homeowner. As Nationstar know full well, by complicating this matter, to the extent that the foreclosure sale is actually completed, having the sale reversed or undone, is extremely complex and burdensome to homeowner, this being a tactic not uncommonly used to crush homeowners by giant billion dollar corporations such as Nationstar. If this is not Nationstar 's modus operandi, then Nationstar would have observed within the complaint that I need to be responded to directly and the former attorney of record be removed from correspondence. Perhaps Nationstar feel it is advantageous to play these games in essence the response shell game to there benefit as the complaint clearly outlines how Nationstar have yet again violated Washington State law and the ruse Nationstar uses to complicate this matter, by failing to respond in any way effectively to the homeowner. 

This is precisely a pattern of willful and deliberate indifference from Nationstar and should be noted for the record. Moreover, how can Nationstar work with me when they won't even send me mail ... any mail whatsoever? 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 asked the credit bureau ( s ) to check my credit report for accuracy and to verify the accounts on my credit report. XXXX replied that everything is accurate, TransUnion and XXXX has not responded. After I checked my credit report I still find inaccurate information on my credit report and no response to me asking for verification. ( All accounts with star mark in front of them are the accounts ) Also you can see how XXXX has no name for my credit report and a previous address ( I have lived at my current address for over 2 years ) I have asked the credit bureau ( s ) to update my name and address. I have provided them with a copy of my driver license and SS # ( card ).

I asked the credit bureau ( s ) if they was familiar with 15 U.S.C Sec. 1681i ( a )?

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 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
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 did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
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 2023-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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:
I hope you can help! I sent a letter to the credit bureaus on XX/XX/2023 and gotten a response and i still have inaccurate information on my report! My understanding is that Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report 4. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
5. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
6. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: HI
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:
Experian have an inquire on my credit report that dont belong to me..

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain 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 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 2023-02-28
Company: Experian Information Solutions 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:
Disputed online about the validity of the collection account. Stated verified online. Now the dates changed and they won't let me dispute online. When I contacted Experian by phone today XX/XX/23, the cs rep said the collection company only has to say that the account is valid. Not that there is any documentation of proof. Thus being extremely lax on the FCRA. They put the burden on the consumer. They said to take it up with creditor for proof. Debt collector in this case is 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my 9th 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 XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XXXX XXXX Original Balance : {$230.00} 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 2023-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Capital One offered me a Spark Business credit card. I applied to the offer and was approved with a {$20000.00} credit limit. I subsequently received a security notice that the account was restricted and I needed to call. I did so and was told to upload documents. Only 10 documents were allowed. 

I then received a call back from security and they asked for more documents with different requirements. I even opened a personal checking account at the billing address as they instructed. I then attached more documents as requested. 

I then received yet another call back from security and they asked for yet more documents with different information. Capital One went so far as to tell me to put my personal name on the business bank statement. I do not think this is legal. a business checking account has a business name, not an individual. Further the business address is not the same as my address. So why does Capital One want me to do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX 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