BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 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 2023-05-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding unauthorized inquiries and the misuse of my credit report. The incidents in question occurred between XX/XX/XXXX and XX/XX/2023. I believe that XXXX XXXX XXXX has violated several provisions outlined in the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 

I have provided a detailed account of the events below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2023, XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023, Unauthorized Inquiries : During the aforementioned dates, I visited XXXX XXXX XXXX to inquire about purchasing a vehicle. I specifically requested that my credit information should not be accessed without my explicit consent. However, despite my instructions, XXXX XXXX XXXX conducted multiple unauthorized inquiries on my credit report. I have evidence in the form of notifications from the credit reporting agencies indicating these inquiries. 

Misuse of Credit Report : Furthermore, I discovered that XXXX XXXX XXXX misused my credit report by disclosing it to unauthorized parties without a valid permissible purpose. I obtained this information through subsequent credit monitoring services, which alerted me to unauthorized access and sharing of my credit information. This unauthorized sharing puts my personal and financial information at risk and violates the privacy protections provided by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting of misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2021-09-06
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of fraud, I have a fraud alert on my credit report and have disputed several inquiries with XXXX, and transunion with no resolve. Please see the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-28
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:
On about XXXX, 2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is a formal complaint against Portfolio Recovery XXXX located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND XXXX XXXX. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Portfolio Recovery XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b 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 explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
State: NY
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: Was not notified of investigation status or results

Complaint:
My identity was stolen. Through an XXXX XXXX service I became aware that someone was trying to open accounts and set up credit cards in my name. I instantly froze my credit through XXXX, Experian, and XXXX. I also called each of the credit lenders I was aware of ( XXXX, XXXX XXXX, XXXX, XXXX ) to report the fraud. 

I then received an email from Experian indicating my email address linked to the account had been changed. I was then unable to log back into the account and Experian said my username did not exist, so I clicked " Forgot Username ''. After entering personal information I was told my username had been sent to a XXXX- which is not my email address. So I had no way to recover my account and it was likely that this person had unfrozen my credit through Experian. 

I have read that Experian has a unique vulnerability that neither XXXX nor XXXX have. A bad actor can simply create a new account using the stolen information ( SS #, name, DOB, and address ). 

I tried to copy this method and create a new account under my name, but the Experian website said it was having problems processing my request. I tried to call Experian. I was able to get in touch with a person who said the problem was being escalated and gave me an escalation number and said I would hear from someone else. I have not heard from anyone else and it is incredibly difficult to get someone on the phone at Experian.

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 2022-11-22
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX US Dept of EDU # XXXX US Dept of EDU # XXXX XXXX Dept of EDU # XXXX US Dept of EDU # XXXX US Dept of EDU 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to car dealership apply for a car i did not approve for my credit to be pulled however im showing other hard inquries i did not authorize. 

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 2021-12-03
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I am XXXX XXXX XXXX and I know that is my problem. I went to the XXXX XXXX Store to pay my card like I have every time I make any purchases from them. I use to get statements telling me what I owe, but the lady said they don't do that any more. So when I bought my cosmetics in XXXX, I need more fragrance and my face crme. {$230.00} I was going to pay cash but the girl told me I get a discount if I use my card. I know I had the Diamonds card because I always buy my cosmetics here, the lady looked up my information and up it on my now XXXX XXXX card. They changed names again. So, I go back to the store in XXXX with my son, XXXX XXXX XXXX, and while I am there I make a payment, lady says balance due is {$29.00} but I know I bought my cosmetics so I make the payment for {$40.00}. I go back in XXXX, daughter 's birthday, while I am there I asked the lady for my balance so I can pay it off. The tells me the balance is {$300.00}, I asked why it was so high and she said she could not tell. I'd have to check my statement. I asked how to do that and she said online. Okay, I have email, haven't received a statement from XXXX 's so I think, I'm old, maybe I missed it. I paid the balance of {$300.00}. In XXXX I get notice that my credit scored dropped because XXXX 's closed my credit card, I was 60 day late for a {$7.00} balance. My credit score went from XXXX to XXXX. This is a big problem. I still do not know how a {$230.00} purchase turns into {$300.00} + {$40.00} in two months time. And when you pay what they tell you, only to have to owe more. I can't guess my account balance. I tried to call them and the customer service people said the cards closed and that's, that. I disputed with the Credit Reports and they said XXXX XXXX is right. The information on my Credit report is not right. The have me paying in XX/XX/2020, nothing was open in XXXX of 2020 and I sure the XXXX wasn't out Shopping in the middle of the Pandemic. I may be old, but I know where my money goes. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I previously filed a complaint regarding important credit history missing from the 3 credit reporting agencies, TransUnion, XXXX and XXXX. Out of the three agencies I have acquired one accurate credit report summary from XXXX that reflects my correct 30+ year credit history summary. When I checked my credit reports around 4 months ago, all 3 agencies were the same as this attached copy from XXXX. 

Once more I would greatly appreciate your assistance in getting my credit history summary corrected with TransUnion and 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 2022-10-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I over paid my primary mortgage insurance on loan # XXXX as a first time home buyer. My former last name was XXXX. I finance my mortgage loan with HSBC ( XXXX  XXXX aka XXXX  ) formally known as beneficial. Ive paid primary mortgage insurance from XXXX to XXXX. While my loan was in foreclosure with their loss mitigation dept. due to loss of income, I inquired if I could pull money out of the primary mortgage insurance escrow account. I was informed that there was no money available. It is my understanding that primary mortgage insurance should only be paid for XXXX  years instead of 11 years. Had the money been refunded I couldve use the difference to offset the bad debt. My house was significantly under appraised by a court appointed XXXX. As a result, I lost money on that transaction as well. I was cheated out of money due back to me. I would like to file a formal complaint against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I requested a term based repayment plan on XX/XX/2023. I received an email stating they received my request and would respond in XXXX days. I never received a response. I resubmitted it again on XX/XX/XXXX. Never received a response. I tried to call them and was on hold for an hour and a half before hanging up. I emailed them and got an automatic reply stating they had too many emails and couldn't respond. I tried calling multiple times over the next several days and was on hold for hours. Due to my job, i had to keep hanging up and could not stay on hold. Eventually after numerous attempts and sitting on hold for XXXX hours, i finally was able to speak with someone. I was told my account would automatically be put into administrative forbearance since they had not had time to look at my repayment plan request. They said it was taking approximately 30 days to look at requests instead of the initial XXXX days i was told. It has now been almost 60 days, my account is not in administrative forbearance and it is saying my account is past due. It is asking me to pay {$930.00} instead of the {$170.00} i was told my payments would be with the repayment plan. I still can not get a hold of anyone on the phone, currently trying to reach them and have been on hold for XXXX hour and XXXX min. They lied to me about putting my account into forbearance. It seems like they are refusing to accept anyone 's repayment plan requests and refusing to actually speak with anyone either. This has been the worst experience ever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have 2 bankruptcies showing on my credit report. After contacting the court in which they stated that they dont share information through third party

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 2018-05-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In late XX/XX/XXXX I have attempted communication with Chase in regards to several of unauthorized inquires made to my XXXX and XXXX  credit files. ( XXXX inquiry dated XX/XX/XXXX ; XX/XX/XXXX ) ( XXXX   inquiry dated XX/XX/XXXX ). I have requested Chase to forward documentation with my signature of authorization of which had not been produced. It at this point is a violation of the FCRA regulations. Again, Please produce validation of these inquiries. If proper validation can not be produced and Chase continues to report these inquires on my XXXX and XXXX files, I will have no other option but to file civil suit vs institution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Submitted a complaint to credit Karma regarding account. This has not been reported as the bank account associate with XXXX XXXX stores has filed bankruptcy. There has been calls as many as XXXX times in XXXX day, and back to back recalls from the bank, Requested contact via mail yet calls continued. Dispute was completed for credit report. Information was successful removed. It is now reporting with different date of opening 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
Consumer complaint received 2022-04-21
Company: Managed Recovery Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this company 5 times on my XXXX, XXXX  and XXXX credit report since XX/XX/XXXX and XXXX once again put it on my report. Even after they have deleted twice. Now it's back on my report again but now it says I opened the account on XX/XX/XXXX. The companies name is Managed Recovery of XXXX, S.C. I ; ve never dealt with this company nor have I any knowledge of them.

Company response to consumer: Closed with explanation