BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: Nelnet, 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: Account status incorrect

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT As a living breathing woman I am aware of my unalienable rights which have been infringed upon.I am stopping all communication through medians other than that through Mail, I am demanding that you stop all collection activities and that includes reporting anything to my consumer report with the consumer reporting agencies, creditor, and debt collectors. In pursuant to 15 USC 1692C ( C ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt I am refusing to pay the alleged debt, and if once again anytime you communicate with me I demand that it must be through mail. I am aware of my open end credit plan as defined in 15 USC 1602, With that being said i am also aware of my credit file and I want to see the transactional history, I want to see my audit trail ( File ) To verify this alleged debt that you are stating me the living person is obligated to pay i demand my audit trail. 

Send everything to the address below, and once again that is the only medium of communication We will continue speaking through. 


XXXX XXXX XXXX XXXX Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, 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:
XXXX XXXXXXXX - XXXX XXXX remove hard Inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The information below is incorrect and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
-- Phone Numbers ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ( XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX -- Names XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX -- Address XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX My Name is XXXX XXXX XXXX XXXX 
My Address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MA XXXX My phone number is ( XXXX ) XXXX, My rights has been violated. 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 response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
How corrupt can XXXX  be, I have told them about the error on one of the accounts on my credit report and they sent me a document telling me that the creditor verified the account. The XXXX XXXX account with account number XXXX is being reported wrong and I have told them this, XXXX  is not willing to fix the error but they wont delete the account either, the open date on this account is different from what XXXX and TRANSUNION are reporting, how can this be happening if this is the same account and the same creditor. According to the FCRA, errors on my credit report must be deleted or corrected, I have never said that this account isnt mine, but I did tell XXXX  to investigate because the open date on this account is wrong.

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 2021-05-25
Company: EQUIFAX, INC.
State: IN
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:
Back in XXXX of 2021 My fianc and I went through the pre-approval process for a first mortgage. XXXX  and XXXX came back normal on the credit pull, but my Equifax score came back fraudulent. I have a master card with XXXX XXXX XXXX that should be reporting to Equifax. I called customer service numerous times in XXXX, faxed the necessary documents ( Social security card, drivers license, pay stub, and bank statement showing my loan and social security number ) to Equifax twice. Each time I got a card in the mail sating I had no Credit History. We then spoke with the VP of lending at my bank. He told us the Bank was not reporting my credit info to Equifax. He did an emergency report on XX/XX/XXXX, which was blocked as fraudulent. Based on conversations he and I had with customer service it appears someone else is incorrectly reporting to my social security number and I have no credit history due to the inability of my card to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
In 2021 I complained to Capital One about no Increase in my spending limit, I have had ownership of my Capital One Credit card for 5 years, and has me thinking since I am a individual of XXXX that they have not increased my credit limit this very reason, I told them last year that I would file a complaint and what I got in return from them is them sending me these offers for Large Car Loans that I do not wont or need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-20
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I signed up for the free experian credit score report deal and have been unable to cancel the account online or via email. Now I've been over 3 hours holding on the phone twice today and nobody answers their phone - this seems to be a very popular scam and I hope that the CFPB can shut them down or at least fine them so much they stop doing business like this. I think any other business would be sued in court>? thanks!!

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 2023-06-09
Company: LFG Data Services Holdings, LP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In accordance with the Fair Credit Reporting Act, LCI Consumer Center, is violating my consumer rights by : 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. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S.C 1681 section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681 ( 4 ) : Congressional findings and statement of purpose : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation LCI has violated my right of my privacy and has given false information about where they obtain their information from. They are furnishing my information with permission nor any written instructions, they also have never provided any disclosures or to opt-out of sharing my information with third-parties. 

The bankruptcy courts DO NOT REPORT bankruptcy to any credit reporting agencies or secondary bureaus. I have provided a letter from the courts stating that. My name in PACER is not the same thus making The reporting inaccurate and a violation of my consumer rights and my right to privacy. 

when I called LCI Consumer Center, the representative said she did not have an address to send dispute letters to. 

I looked on the website for an address however when I went to the post office to send my letter via certified mail, the post office could not locate the address in their data system and that my letter would be at-risk of returning.

I am letting the CFPB know that I have tried reaching out to LCI and I can no longer continue to allow LCI to violate my consumer rights. 

The courts do not report this information to any credit reporting agencies and/or secondary bureaus. My privacy is being violated and I do not feel safe knowing this. Also this is messing with my creditworthiness, eligibility, and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello, I have a checking account at Chase. The account is also my direct deposit account for my salary and default account for all my credit cards payments. As of today, there are around XXXX dollars in the account. 
I didn't know my account got locked/freeze until today ( XX/XX/XXXXone of my credit card company told me my balance is past due. I went to Chase and other credit cards account and then found out all credit cards payments got returned since first week of XXXX. 

So I called Chase. Two representatives and a manager talked to me, which took me 2 hours. In conclusion, Chase told me my checking account is locked, due to an investigation. The investigation started on XX/XX/2023, and no one from Chase told me that. After over two weeks, the investigation is still ongoing and Chase can not share any details regarding the investigation and Chase doesn't know how long it still need to investigate. The only thing they are keep telling me is I need to keep wait and I can not withdraw any of my salary. 
That's XXXX dollars, and I need the money to pay my family expense and pay credit cards. I have XXXX kids at home and now I can not use my salary money. The only thing I got back from Chase is KEEP WAITING. 

Please help me, I don't understand if there is an investigation why can not they share details and let me provide feedback so they can solve this faster. And plus why I can not use my own salary money. I need the money to pay my family expenses. Please help me, I really don't know what I need to do. Please let me know if you need any more information. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Lil' Wave Financial, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Before signing the loan documents with XXXX XXXX XXXX  , XXXX License # : XXXX, Owner XXXX XXXX , I contacted Superior Loan Servicing representative named Ms. XXXX who clarified my questions ; Manager is XXXX XXXX . Among the questions Ms. XXXX clarified ( see notes on Loan Terms ), I asked about the Default Interest of 17.50 %. She made it clear that that interest charge would only be due if a legal Notice of Default is filed. 

Upon closing, they padded the final seller 's statement. In addition to th

e Interest of {$2800.00}, that added another interest line item for an inflated amount of {$15000.00} ; equivalent to 17.50 %. This doubles the amount that is due at closing. They misrepresented this charge as regular interest when it was the value of the Default Interest. I was never in default, nor did I ever receive a notice of default, nor was a legal Notice of Default ever filed. When I asked about this payment, they said it was default interest, but I never received a
default notice and the itemized line item does not specify exactly what the charge is for. I only received multiple harassing phone calls and emails from both the servicer at Superior Loan Servicing and the mortgage loan originator XXXX XXXX stating that I was in default when I was not. 

I was under duress because XXXX XXXX and the Servicer constantly called me, threatening that they will take my house in foreclosure. He sent emails that presented coercive terms where he had investors who would pay off the loan I owed him, but that they would take the house. He just kept saying otherwise sue him, but I couldn't afford the attorney. 

I told them that their contract requires a notice of default which I never received because I was not in default. Plus, both the mortgage loan originator and the servicer knew I was waiting for my investor to buy the house and that the short-term private mortgage was needed until I found an investor to help me renovate. Which happened without being in default. I did pay agreed-upon late payments, but I was never in default. Therefor

e, the Originator, by harassing me and claiming I was in default was in breach of contract. I sent several certified letters to the Originator. One he responded to, the other he completely ignored. The Servicer also received certified letters but  pointed the finger at the originator. However, it is the servicer that reported the accounting to the XXXX Title Company 's Final Seller 's Statement, and therefore, responsible for the illegal padding. 

This was my family home, and after the tenants destroyed it and after the squatter recked it ( police used guns to get them out ), I had no choice but to figure out how to renovate it and bring it to market value.

If you review the contract, this interest amount is fraudulent and at best, I would consider it padding.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: NV
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX Balance : {$360.00}

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 2023-04-21
Company: Shellpoint Partners, LLC
State: CA
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:
The dates mentioned I were late in making my payments were incorrect and unverifiable. I always paid on time .They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing. 


Please update the payment history immediately for the accuracy of my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-12-05
Company: EQUIFAX, INC.
State: AZ
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:
There is information on my consumer reports from XXXX, XXXX and Equifax that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the identified transactions furnished on my consumer reports. Please permanently block and remove the reporting of this information as it is harming my ability to obtain new credit. Moreover, there are inaccurate addresses, phone numbers and inquires that must also be removed. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Attorney-In-Fact and the Authorized Agent for XXXX XXXX, requesting this block for the name of my PERSON. 

I have items on my consumer report that are a result of an identity theft and not made by any transaction related to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIncorrect phone number : XXXX that must be removed from all three credit reporting agencies. 

Without prejudice, without recourse, all rights reserved : by : XXXX XXXX : XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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