BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
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: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2021-10-01
Company: First Federal Credit Control, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my credit drop 43 point for an account put on my report I did not owe. I disputed this amount and it was removed from my report but the next day the same company First Federal Collections called saying they were going to destroy my credit even more if I did not pay them {$140.00} when I asked for a detailed list of the charges they all of a sudden were not able to produce it and when I threatened legal action they said they would remove the debt. When I contacted who they said the debt was from I was told my account was payed and nothing owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CCS Financial Services, Inc.
State: FL
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:
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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: TN
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:
Fraudulent Accounts have been attributed to my file that were opened by a thief and not me. 
XX/XX/XXXX {$6500.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$25000.00} XXXX XXXXXXXX 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 2020-12-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Experian Information Solutions Inc.
State: MD
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 paid this account off in full. Opened another bc it was for {$8.00} after I paid off, then paid off that balance it shows up as a negative on my credit report and would like the account removed since balance was paid in full and they agreed to remove it

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 2017-05-09
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been contacting them constantly about alternative options to bring my account out of default and reinstate in good standing to pay the loan in a realistic manner and negotiate a reasonable deal that will work out for b oth Navient and I. They are no t willing to work with me and is preventing me from making future financial decisions as a consumer and hindering me from other lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, a collection agency named Sunrise Credit reported an unpaid bill of some kind on my credit report for {$2500.00}. I have no idea what this is. Prior to this collection account appearing on my credit report, I received no notice of this bill from Sunrise Credit. To my understand, a collection agency is supposed to notify you of a debt and give you 30 days to respond to it ; before they report it on your credit report. I discovered that after reading the Fair Debt Collection Practices Act. But it appears that this collection agency might have skipped a step 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 2021-12-02
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Based on the lawsuit filed on XX/XX/2019. Case XXXX the company is still failing to conduct reasonable investigations and reporting false/inaccurate information to the Credit Reporting Agencies. They never contacted me nor provided me with any accurate documentation of the alleged debt. 

The amounts that are said to be owed are incorrect. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.

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 2022-12-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I was denied credit card increase and credit card not issused

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 2021-10-01
Company: Mercedes Benz Financial Services
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Dear Sir Below is my plight with Mercedes Benz both of XXXX XXXX and Mercedes Benz Financial. I have written both the GM and VP of finance with no response. Can anyone help me?? 


My letter to the VP OF FINANCE : Good Afternoon Mr. XXXX, Below you will find most of my issues with XXXX XXXX XXXX XXXX XXXX. Now due to XXXX and not to mention that my husband took a 40 % cut In pay we continued to pay our car based on what they told me. 

Now they said my credit is to bad. Well I bet half of America took a hit. I then mentioned that my husbands CREDIT was strong and he didnt want to hear it. When last time it was no issue. He btw just purchased another Mercedes approximately 6 months ago.

How can you not approve a loan that is {$350.00} less per month but expect me to pay my current payment??

I dont believe that this is how Mercedes treats its customers. I think that XXXX is upset and quite frankly was rude and unprofessional. 


Make it a Great Day!! 
XXXX XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX XXXX  EDT To : XXXX Subject : Re : How was your visit at XXXX XXXX XXXX XXXX XXXX 


My Letter to the GM OF XXXX XXXX XXXX : Good Evening Mr XXXX XXXX I got this email from you. I just left your dealership and needless to say I am disappointed in your dealership and let me explain. I signed without ANYONE DISCLOSING that I was paying XXXX for a XXXX car. 

XXXX XXXX years ago we leased a XXXX from your dealership, at that time your Finance Manger XXXX assured us that if we sucked up our large car payment for 2 1/2 years we could come back and trade out of our car NO PROBLEMS. Well even through Covid we pressed on and suffered through pay furlough and so forth. Going on the WORD of your dealership Well we came in today and dealt with XXXX and now we find out that we were deceived. We ended up paying XXXX for this car and we are $ XXXX upside Down?????? 

Now please explain how your dealership does this to repeat customers?? Now you want me to eat this yet again!! 

So I am trying to LOWER my payment and you tell me now I am not credit worthy and because my husband has a car which by the way is a Mercedes bought in your dealership he cant sign. But it was ok for him to sign last time. And my dad who has a FICO score of XXXX wasnt either. Hmmmmmm Huge discrimination!!! 

So I am looking at a 2021 suv and you still cant cover your deceit and want me to pay for your dishonesty. 



Make it a Great Day!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NJ
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:
After reviewing my consumer reports, I noticed that their were a few errors and then after investigating I have realized that somehow I became a victim of identity theft. I am highly disappointed that the Experian, XXXX XXXX and XXXX has knowing participating in reporting these accounts without verifying with me. over 40 days has past since I submitted my written request to have my consumer reports corrected and no one has contacted nor fixed it yet!

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 2018-08-31
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are trying to sell our current home and purchase a new one. Mr. Copper the loan company on the house we own now had told us when we got into a modification that they would adjust a lot of the fees which are over eighty thousand dollars on a XXXX XXXX XXXX XXXX dollar loan. We have asked them to explain all the fees and they refuse to do so just saying they are correct and there is nothing that we can do. We have been mislead and lied to for years throughout the process. The original loan was with XXXX XXXX XXXX and it was a terrible interest only ARM that we tried to get out of and the only way to do so was to default. We did that and XXXX added a bunch of fees and then went out of business for criminal activity. The loan was sold to Nationstar whom added XXXX XXXX more dollars to the loan during the modification and said if we did not agree to the fees that we would loss the house. We have an XXXX XXXX son and we have no choice and signed the modification. XXXX XXXX XXXX dollars was set aside and not bearing interest. They told us that they would work with us to reduce that because that was all fees. That never happened. My loan of XXXX dollars is know XXXX and I have not borrowed any more money on the house this is all fees that were added to my loan and Mr. Copper refuses to help us in anyway. The fees accumulated in a very short time. We have tried everything to work with Mr Copper, Nationstar and XXXX did everything they told us to do during the modification and they just refuse to explain anything. We hope you can help us get somewhere and headed in the right direction. We only want to be treated fairly. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: AES/PHEAA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING  AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : 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 2018-09-05
Company: NATIONSTAR MORTGAGE LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan through NationStar Mr.Cooper.I signed a loan adjustment with them a few years ago and the numbers seem to be way in there favor.I did not chose this company, XXXX XXXX closed and signed over my loan and I had paperwork stating it was paid in full.I think they took advantage of me.I have been reading up on all the lawsuit activitiy with this company.My house was damaged by a small fire.I recived my insurance check and am worried about sending it to them to sign off.I have read many complaints about them keeping the money.I have paid for all the materials and made all the repairs out of pocket.I have a terrible feeling they are going to keep the check and pocket the money like they have with many other customers.Can you please help me?? Please, Im a good guy, never been in any trouble, no repos or foreclosures, very good credit, was a XXXX and do a bunch of XXXX XXXX with XXXX XXXX and XXXX XXXX, Thank you.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Account information incorrect

Complaint:
Upon checking my credit report on Equifax XXXX I noticed inaccurate inaccurate information is being reported on my credit report from credit card company ( XXXX XXXX XXXX  ) credit card account ending in XXXX hasn't reported any balance history since XXXX and recently I paid off the account as of XX/XX/XXXX and the company blocked my avaliable credit stating they wanted my to submit a bank statement to proved the payment on XX/XX/XXXX {$370.00} was from my account and I did so even additional proof of screen shots from my XXXX account showing payment completed. This is an act of discrimination and credit report abuse please unblock my available credit and fixed my balance history on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Comenity bank is repeatedly contacting relatives and distant relatives regarding a debt they say I owe them. They will not stop calling them, even after being told that they are calling the wrong number. They are harassing people that have no connection to me or said debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with CREDITACPT. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments and charge-off from these accounts.

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 2018-09-06
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originally took this 30 year mortgage out with XXXX in XXXX. In XXXX XXXX recommended I refinance the balance at a lower interest rate and use their Bi-weekly Advantage Plan whereby I made the equivalent of two extra principal payments per year. This plan, administered by XXXX XXXX XXXX, would pay my mortgage off seven years earlier than the 30 years contracted. We took advantage of this plan starting in XXXX of XXXX. Last year XXXX turned our mortgage over to Mr. Cooper. And a few months ago XXXX informed us they would no longer administer the Bi-weekly plan and we would have to arrange a payment plan directly with Mr. Cooper. So I now have almost 6 years of extra payments on this mortgage through a plan that is no longer available. I have been trying to get an Amortization Statement from Mr. Cooper that will reflect my past payments, including the additional payments made, as well as what future payments remain and the settlement date. Obviously I want this information to insure I am getting full credit for the advance payments weve made. I expected this statement would be readily available. But after spending hours on the Mr. Cooper website and another hour with their customer service people, I was told I could only get this information by a special request to their research department. I have made that request as instructed via e-mail and advised them that the lack of this information is holding up the completion of a financial analysis by my accountant and to please expedite this report. But I have not gotten a response of any kind, nor have a gotten a response to my follow up e-mail asking for the status of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts : XXXX XXXX - {$470.00}, XXXX XXXXXXXX - {$540.00}, XXXX - {$100.00}, XXXX XXXX - {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - {$1900.00} Dispute letters were sent to credit bureaus ( XXXX, XXXX, Experian ) on XX/XX/2023 through USPS certified mail to verify through physical verification of the original signed consumer contract of all accounts mentioned above. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

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