BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: IL
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:
After reviewing my consumer report I noticed hard inquiries that I did not make nor did I authorize anyone to pull my credit report. 
also a collection that was not from me it from 2013 when my identify was stolen and i had a fraud alert on my credit since that happened 10 years ago not only was it not me by law the statute of limitations is up on this date.

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 2023-10-18
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 was reviewing my credit report and I see that a negative item was reporting. The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file immediately. 

Account Number : XXXX Account Name 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 2023-12-16
Company: Rocket Mortgage, LLC
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Closing disclosure or other related disclosures

Complaint:
On XXXX XXXX XXXX and her husband applied for a mortgage loan through quicken loans. The application was signed delivered and received and approved. 
On XX/XX/XXXX th, 2018 XXXX husband suddenly unexpectedly passed away from a massive XXXX XXXX. 
Due to this unseen circumstance XXXX suffered much damage, loss, injury and destruction. 
Upon recovering XXXX was able to pick back up and move forward in her life. 
The loan they received was in the amount of {$71000.00} plus interest and borrowers did promise to pay this debt in regular periodic payments and to pay the debt in full not later than XX/XX/2048 according to the prepared Mortgage XXXX FHA case no. XXXX prepared by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the actual preparer is XXXX XXXX. Upon reading this document The Office of The XXXX, XXXX noticed that it clearly states that XXXX is the mortgagor which is defined as XXXX. XXXX that mortgages property, usually the nominal owner entitled to use of the property. 
XXXX. Alternative spelling of mortgager. 
XXXX. The person who gives a mortgage in return for money to be repaid. 
The XXXX XXXX XXXX of the XXXX Upon this discovery of this lack of full disclosure we have found a tremendous amount of defects which is standing grounds for XXXX the donor/beneficiary to receive remedy and recoupment and tender back immediately of all that was offered and received by all interested parties in this mortgage loan. 
I will list a few of the defects in the title : - the title was vested other than as stated in schedule A - documents affecting title not properly created, executed, witnessed, sealed, acknowledged, notarized or delivered. 
- forgery, fraud, impersonation - violation of enforcement which restricted the occupancy, use and enjoyment of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
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:
I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX. My date of birth is XXXX, and the last XXXX digits of my social security number are XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
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: Credit inquiries on your report that you don't recognize

Complaint:
Notice of Agent : XXXX, Equifax, XXXX I am writing to express my serious concern and frustration regarding unauthorized information that has been added to my credit report by your agency. According to the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable information on my credit report, and I expect that my credit report is a fair representation of my financial history. Unfortunately, recent changes to my credit report have raised significant issues that need to be addressed promptly and every hard inquiry needs to be removed. they are in non compliance of this code, I did not authorize with my physical signature any of those inquires to be added to my report. 

15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My property taxes dropped in XXXX due to being XXXX due to a military service XXXX in Florida. As such my property taxes are no longer paid, what I now pay is {$700.00} annually ( Paid in XXXX 2015 ) for my XXXX XXXX XXXX assessment. My homeowners insurance is {$1000.00} ( Paid in XXXX 2015 ). Nationstar Mortgage is collecting XXXX monthly to cover the escrow. I have {$2800.00} in escrow, even though all insurance and taxes have been paid for 2015. Nationstar has refused to adjust the escrow account, nor refund the excess, as required by law. Please advice! Nationstar was notified in XXXX 2015 of the property taxes changes ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: AL
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 XXXXXX/XX/2021.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX begging you please remove this to the credit report

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 2023-11-08
Company: Experian Information Solutions Inc.
State: PA
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 called XXXX as well as Experian to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in XXXX at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.

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 2023-10-11
Company: EQUIFAX, INC.
State: VA
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 this 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 : {$22000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$22000.00} XXXX  XXXX XXXX Balance : {$130.00} XXXX XXXX XXXXXXXX XXXX : {$480.00XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$0.00} - tied

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-04
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:
During the Equifax data breach my information was leaked as a result my information inquires are on my report that are not related to an actual reporting account that is open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: GA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I WAS IN A PAYMENT PROGRAM WHICH WILL MAKE ME CATCH UP WITH MY AUTO LOAN WITHOUT RECEIVING LATE PAYMENT STATUS ON CREDIT REPORT. I PAID EVERYTHING ON TIME, AND I HAVE STUFF REPORTING ON MY CREDIT REPORT THAT IVE BEEN LATE 2 TIMES AND THIS IS EFFECTING MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
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:
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
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:
My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. pursuant to section 605B pf the fair credit reporting act, and send the required notifications to all furnishers of this information.four unauthorized fraudulent 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 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 2023-12-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please examine the enclosed documents. I urge the bureau to initiate an inquiry into the accounts that mistakenly label me as late, despite my consistent punctual payments.

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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Transunion : XXXX, XXXX are all reporting inquires that I'm not aware of and definitely did not authorized XXXX XXXX XX/XX/2023. XX/XX/2023 XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

Company response to consumer: In progress
Consumer complaint received 2023-10-11
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-20
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I've been with coinbase for almost a year and never had any trouble transferring money. A few months back coinbase asked me to verify my identity with a drivers license, ID or passport. I've tried to verify it about several times but each time without luck. It's been a few months since i've been able to withdraw or deposit money. Theres about {$14000.00} in XXXX in this account. So i would like to be able to manage my account. I have validated my account through multiple ways even had complete access to my account for over a year and now my account has been locked for further verification. I completed the further verification process and my account is still locked. I have spoken with support and they have said no further information can be provided and please wait an additional number of days. This is the XXXX time I have been told just to wait with no explanation. I have asked for a supervisor or an ombudsman and have been repeatedly told they do not have that. Now a rep, XXXX, from Coinbase is telling me to just be patient after XXXX weeks of my account being locked. 

XXXX Is the Customer Service XXXX XXXX number # XXXX Hopefully you guys can help me out. Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, 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 am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$4500.00}, XXXX XXXX XXXX Balance : {$4300.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have previously applied for a XXXX plan through the federal XXXX aid website. Nelnet never confirmed my payment plan with me. I received an email form Nelnet on XX/XX/XXXX indicating my payment was {$190.00} due XX/XX/XXXX. I then later checked the Nelnet portal and it appeared my payment was actually due XXXX, and that the amount due was now late and {$1100.00}. I paid this amount on XX/XX/XXXX, only after my credit took a massive hit of over XXXX points on XX/XX/XXXX, days before my payment was SUPPOSED to be due. I attempted to call Nelnet on XX/XX/XXXX, as I was unable to do so earlier due to my work schedule. I was never told a call wait time, and remained on hold for over XXXX minutes before my call was disconnected. I have not been able to speak with anyone from Nelnet. I have filed for an updated payment plan through the federal student aid website, and that has still not been updated with Nelnet. Nelnet dinged my credit severely before my payment was due based on my first notification, then changed the due date to earlier than expected with a higher payment without any update.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: NATIONSTAR MORTGAGE LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015, I filed a complaint with the cfpb submission, [ Case number : XXXX ]. My complaint was against Nationstar regarding their escrow analysis, applying fees to the account without verifying that charges were incurred by them, applying payments to a suspense account fraudulently, attempting to sell the property without notice to the homeowner and before the property had been foreclosed upon, as well as failing to identify the owner of the mortgage. In XXXX they provided documents to identify the owner of the mortgage and a transaction history prior to their becoming the loan servicer. They did not address the methods used to conduct an escrow analysis or the other issues in the complaint. They did not provide a response that could be read. When I contacted cfpb for assistance their representative XXXX with employer ID # XXXX verified that she was unable to open any documents and therefore she also was unable to read a response addressing the issues in the complaint. These issues have created additional burdens which have made it difficult to continue making payments on the account because of Nationstar 's demand for ever increasing amounts and no justifiable explanation for their increases or addressing their failure to include all payments made into escrow before the escrow analysis was initially done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: AL
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:
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit cardXXXX account under an open end consumer credit plan as late for XXXX and purpose. 

Account name : 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