BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: IN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15U.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.

15U.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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-22
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I was refinancing my Home with a mortgage company. XXXX XXXX had sent me a brochure with a rebate at that time for the purchase of a car. I traded a XXXX XXXX Note XXXX for a XXXX XXXX XXXX. The total cost was XXXX. I was offered 5 years, with a monthly payment of {$600.00} a month. 

I was told that night by the mortgage company that night that my loan fell through. I was not getting the loan. I went back to XXXX where I had purchased the XXXX XXXX, to return it. It was around XXXX the next day. I was told I could not returned the car. I could not get my XXXX XXXX Note back. This was within 16 to 18 hours after the purchase of the XXXX XXXX. I was told to go to a bank and get the bank to refinance the car, or pay Nissan Motor Acceptance {$4000.00}. towards the XXXX XXXX to have the car payment down, to have the car refinance. 
I can not make the payment on this car. I am afraid XXXX will take the car from me when I can not pay for it. They wanted to keep my old car and theirs too. This will leave me with nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
, NAVIENT, refuse to remove damaging CREDIT REPORTING information despite receiving BANKRUPTCY documentation that the debt has been Discharged/Set-off/Charged off. NEGATIVELY impacting credit report and violation of FDCPA, FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Hi my name is XXXX XXXX and I want to make a dispute about my credit score. In the past few years I was applying for a lot of banks and credit unions because I have no god experience with everything that Involves with credit back then now I have know about credit. So I writing this to help me fixed my credit score back to normal and have good advice to keep a good credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: VA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX 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 2022-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
For several years, I have been misled to believe that I was on an income-based repayment plan ( IBR ) with Navient to find out they have used up the deferment and forbearance that should be available to me when if I ever needed it. I have loans with XXXX and have asked them also to take into account the payment I need to make because of what I was paying for my other loans. This has been repeatedly denied to me. I should have been on an IBR plan since 2009, the year after I left college. It is increasingly difficult to keep up with XXXX student loan services who continue to report erroneous information. I believe their tactic in using deferment and forbearance has been malicious in setting me back from paying my student loans, only find that the interest is higher because they have done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2015-11-06
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I am the co-signer for XXXX student loans for my daughter that was taken out in 2007. She has had extenuating circumstances in her life that resulted in not being able to pay the loan and it defaulted. Now that she is getting back on her feet she is trying to fix her credit. She called Navient to work out a payment plan. They gave her a payment plan they she has been on since XXXX. The loans are being reported as a charge off. As a result, that 's the way it 's reported on my credit report and I can not get a mortgage loan until the loan is paid off. The understand that I am just as responsible for the loan because I am a co-signer but I do n't think it 's fair that the credit report says charge off when she is actively making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Equifax was hired to confirm a credit card acct. This was required to close. Equifax had entirely wrong information. I had to assist the. confirming correct information. Which XXXX did confirm. They then had to call my XXXX XXXX. When put on hold Equifax agent hung up. After calling them back the new agent stated he had to start all over again even though this was completed. There was no notes in the file. I asked for a manager and he put me on hold but then hung up. I never tried the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XX/XX/2012, my husband was getting ready to retire. We submitted papers to XXXX Bank America, to proceed with a refinance to lower our interest rate. Rates were coming down and this was an opportunity for us. We proceeded with home appraisal etc. The bank lost our paperwork and delayed our application. In XX/XX/XXXX when I finally pressed, I learned that we came in with a good appraisal and could go ahead, they were sorry they lost the paperwork. When they put things back in place, they were sorry, we could not qualify because my husband was retiring and our planned income would be that much less. Had they processed properly in XX/XX/XXXX - we would have cleared that hurdle. It has been XXXX years since and we continue to pay a larger interest XXXX when we could have qualified for a XXXX (at that time). (Also at that time, there was a glitch with XXXX having incorrect data, which we did follow up on and straightened out). That would have saved us more than $XXXX. month. We have tried to refinance at a lower interest rate XXXX times since and Bank AmericaXXXX and now XXXX Bank have denied us. We cannot qualify to pay less, yet we continue to pay our mortgage, our taxes and have an excellent credit rating maintained over more than XXXX years at XXXX. How is it that we cannot qualify TO PAY LESS?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: TX
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 sent credit bureaus my disputes regarding fraudulent accounts opened without my actual consent included identity theft report to better plea my case. In response they said they account was verified on 2 credit bureaus ( Experian and XXXX ) but XXXX came back as unverified and was removed from report. 

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 2023-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Complaint number XXXX, XXXX. I previously submitted a CFPB complaint on XX/XX/22 and I have not gotten any correspondence back from XXXX as it pertains to the investigation results. This causing me to suffer financially as I am not able to get financing and or favorable interest rates. This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It 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. 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. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened not the same on all XXXX CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date last active not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance.

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 2023-07-12
Company: Experian Information Solutions Inc.
State: AZ
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 have disputed credit accounts that I never opened but dispute results stated that the accounts are verifiable and therefore can not be deleted. I had no income at the time that these accounts were opened, in fact I was basically homeless at the time so it would not have even been possible for me to have even gotten approved to open any credit card accounts. The last ten years I spent homeless I had my socal security card has stolen 10 times along with two birth certificates and multiple driver 's license. Now that I'm not longer homeless and somewhat working using XXXX I was applying for a business loan or a credit card to start a business and was denied because of poor credit when I checked my credit report almost all information on it was inaccurate there were accounts that I never opened that have now ended up in collections. I don't understand why these creditors didn't check a little better and found that I had no income but instead they approved credit accounts to be oped in my name and they allowed my credit score to become damaged. It's their responsibility to check for income and verify identity before approving a credit card. I was unemployed I had no income at all so why did they allow credit cards to be approved, and when I dispute them the results come back as being accurate. They need to fix this as soon as possible because now I can't buy a car, rent an apartment, get any credit cards, start a business get a phone auto insurance because of them not verifying my identity and income. Even after I disputed inaccurate information and accounts not being mine explained that I had had social security cards, driver 's license and birth certificates stolen they still wouldn't fix my credit and send accounts to collections.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, Experian and XXXX are taken advantage of me by furnishing items on my Consumer report without my Consent. This is Identity Theft define by 18 usc 1028 ( a ) I did not consent to anyone to furnish anything on my consumer report. The are also Violating several other FDCPA LAWS as well as FCRA. My right to Privacy, Permissible Purpose. And 15 usc1666 Billing Error. They are reporting Fraudulent late payments on my report as well. I Demand they remove all Fraudulent/ Inaccurate accounts from my report in Accordance to the FDCPA and FCRA .

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 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: RS Clark and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I terminated my lease early at previous apartment complex named XXXX XXXX XXXX XXXXXXXX in XXXX of 2022. Upon move out I was informed on the walk through when turning in keys that 2 of the bedrooms carpet would need to be replaced due to pet damage. I informed XXXX that I had paid the {$400.00} pet deposit and {$500.00} deposit when moving in so if thats the case then it should be taken out of the deposit that was already paid. She then stated the {$400.00} deposit for the pet was NOT a non refundable deposit but instead was a pet fee and would not be applied to anything and that the fee is paid to just have the animal in the dwelling. So on top of paying the per fee I also paid a monthly pet rent for the animal. I find this a ridiculous abuse of charges and a way of nickel and diming tenants for nonsensical charges. So after receiving an email stating that ok the charges for 2 bedrooms to have the carpet replaced supposedly that charge is {$920.00}. Then after deposits paid the balance I owe is now {$660.00}. So after going back through my lease and charges I realized when this company took over after start of new lease they increase the charge for my garage from {$160.00} per month to {$200.00} per month with no advance notice. I emailed the company back and informed them I have no intentions of paying {$600.00} but will pay the balance of what is owed after difference of garage fee overcharges are offset in the balance. I will NOT be bullied into paying for unreasonable charges. They then sent my account to collections and suddenly the charges are now at XXXX. Never received anything via email no response no phone call nothing in the US mail. I specifically asked the representative XXXX to reach out to me and to NOT send me to collections. I tried to file a complaint on XXXX  for XXXX XXXX but was informed that supposedly the business is closed which is the management company for the avenues at XXXX. The business is NOT in fact closed and are now trying to extort fees out of me. I need a resolution for this issue.

Company response to consumer: Closed with explanation