BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: Experian Information Solutions 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:
To Whom It May Concern : XXXX XXXX XXXX I have noticed that you have placed an inquiry on my Experian credit file dated XX/XX/2016. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an  entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Experian report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' *****https : //www.consumerfinance.gov/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 2022-11-03
Company: Experian Information Solutions Inc.
State: MI
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 check one day and noticed an account and address that doesn't belong to me. I sent a police report and FTC report. And they didn't remove them. I'm listing the account and address below. 
XXXX  XXXX # XXXX Bal- {$1500.00} opened on XX/XX/2020. 
XXXX XXXX XXXX XXXX, Pa 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 2019-07-08
Company: DISCOVER BANK
State: NC
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:
Please help! I was alerted Discover Card reported my account 30 days past due. However, my account is close but for the last 36 months I have been making payments by auto draft to payoff the balance as with agreement with Discover. When I called I was told that they sent notification via email tht one last payment was due. However, when I asked speak with a supervisor ( XXXX ), I was told not email was sent to notify me my last payment was due. All is this is concerning because I never received a statement to say {$21.00} and some change was due, they never called me to say the payment was due nor did they ever email me to say the amount was due. Discover has all the correct contact information as it was verified today XXXX. Lastly, they could have easily taken the final payment out of my checking account as they have been for the last 36 months. Reporting my account as 30 days past due was done with malice. 

Discover Card has validated the Fair Debt Collection Act. and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: Spring Oaks Capital, LLC
State: MO
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 asked SPRING OAKS CAPITAL LLC who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues.

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
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:
I spent countless times sending letters and documents to Experian only for them to lose them or when I try to upload them on their website, they always tell me that the documents are illegible. Now I have resorted to Consumer Financial Protection Bureau to help get this matter resolved. I have talked to numerous of Fraud Specialist at Experian only for them to do nothing to resolve this matter. Experian representative XXXX is totally useless and unprofessional with an " I do not care '' attitude. I sent multiple certified letters to Experian only for them to respond after the 30 days time frame which is illegal and they are breaking the law. 

I have attached a letter from XXXX stating for Experian to remove and delete this fraudulent account which Experian refuses to delete and remove. The following accounts need to be deleted and removed immediately due to fraud and identity theft. I did not benefit from any services of these fraudulent accounts : 1. XXXX XXXX XXXX Account number # : XXXX Balance : {$8600.00} 2. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$1100.00} 3. XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$5200.00} 4. XXXX XXXX XXXX Account Number # : XXXX Balance : {$0.00} 5. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$3000.00} 6. XXXX XXXX XXXX XXXX XXXX Account Number # : XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
equifax is a dirty evil NON RESPONSIVE credit reporting company that has thoroughly screwed up my credit AND DROPPED MY FICO SCORES beyond repair!! I'm a XXXX person and a XXXX veteran, and made a serious complaint about XXXX XXXX XXXX, of XXXX, Minnesota, that XXXX XXXX AND EQUIFAX are intentionally misreporting my mortgage amounts, such that it looks like i never paid ANY amounts of the principle on my mortgage ( SHOULD BE XXXX NOT XXXX $ )!! 
When i reported this to equifax VIA THE CFPB, EQUIFAX OPENED, WITHOUT MY KNOWLEDGE OR CONSENT OR WRITTEN AUTHORIZATION, A DISPUTE ON MY CREDIT REPORT!! THE DEVELOPING WORLD CALL CENTER REPRESENTATIVE WHEN I CALLED AT XXXX XXXX ON XX/XX/23, WHO WAS A TOTAL UNRESPONSIVE JERK AND NON RESPONSIVE TO ME, REFUSED TO CLOSE EQUIFAX 'S DISPUTE THAT I DID NOT REQUEST!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
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:
In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian XXXX Late payment, XXXX Late payment, XXXX Late payments, XXXXXXXX XXXX late payments and XXXX balance, XXXX XXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX late payment and balance XXXX. 
XXXX XXXXXXXX. XXXX XXXX Late payment, XXXX late payment, XXXX late payment, XXXX XXXX late payments and XXXX balance. 
XXXX XXXXXXXX, XXXX, XXXX, XXXX. 
15 U.S.C 1681 Section 602A. 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 any other adverse item of information, other than records of conviction 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 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 2020-11-06
Company: World Acceptance Corporation
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been seriously compromised by online identity theft and it has left me with issues u unknown and unauthorized. Prior to my wallet was stolen and reported so this is a recurring issue. The following accounts are the aftermath of the fraud. I am demanding that the credit reporting agencies remove and block these accounts immediately 1. XXXX XXXX XXXX XXXX 2. XX/XX/XXXX {$1000.00}, 3.world finance corporat {$1000.00}, 4.world finance XXXX. 5. World Finance Corporat  XXXX 6.World finance Corporate XXXX. 7. World finance Corporate XXXX. 8. World finance corporate XXXX. 9. World finance corporat XXXX 10.world finance corporat XXXX 11.World finance Corporate {$510.00} XXXX XXXX XXXX {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Paramount GR Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am writing to you today as a formal complaint against GoodLeap. We invested in Solar Panels and Backup Battery Package with XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We had numerous problems from the start and finally ended up getting our system installed on XX/XX/XXXX. However, the system would not pass inspection and we did not finally have our system up and running until XX/XX/XXXX, with our first Loan PaymenXXXX through Good Leap being due in XX/XX/XXXX. Good Leap started charging us interest on our {$55000.00} solar loan after the contract was signed, so we were in the negative when we made our first loan payment. 

During our first year, we have had numerous issues. Wiring that has not worked properly when power goes out so that the backup battery runs as it should, snaps that error out on the inverter which means our system does not function properly so we are not saving energy back to the grid, and I now have a leak in my roof due to improper installation by the installer. My roof was replaced in XXXX due to hail damage and now has architectural shingles. My roofer came out to inspect my roof for the leak and took pictures of the damage done by XXXX XXXX. He will not touch my roof to repair the damage because it would void the responsibility of the installer. 

On XX/XX/XXXX I received a letter in the mail that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is now bankrupt. I am left paying a loan for a solar package that was misrepresented from the beginning, equipment that is faulty and can no longer be serviced by the installer, and snap issues that are tied up in a lawsuit between XXXX XXXX and XXXX. On XX/XX/XXXX I was told by a XXXX representative that the solar panels installed by XXXX XXXX are not compatible with their system and that is why the snaps are not functioning properly. 

XXXX XXXX XXXX, XXXX misrepresented their product, lied about so called cash rebates to be applied back against the loan, and installed product not compatible with XXXX XXXX XXXX. I am left paying on a {$57000.00} solar loan for equipment that is faulty and was misreprestented at the time it was sold to me and is in violation of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Nelnet, Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have filed several disputes with XXXX and XXXX regarding the Department of Education/NelNet inaccurately reporting my student loan that was forgiven via the Public Service Loan Forgiveness in XXXX of this year. 

I provided XXXX and XXXX with letters from XXXX and NelNet ( dated XX/XX/ and XX/XX/, respectively ) confirming the discharge of the student loan debit in its entirety and a " XXXX '' balance. The NelNet letter includes a line item showing payment in full in the amount of {$39000.00} made to clear the account on XXXX 

The same documentation was provided to XXXX and XXXX and the balances were updated to " XXXX '' with those credit bureaus. 

XXXX and XXXX state the Department of Education/NelNet continue to report the balance and have verified the balance is accurate. 

I submitted disputes to XXXX on XX/XX/XXXX XXXX and XX/XX/ and to XXXX on XXXX XXXX and XXXX regarding the balance being incorrect. I submitted multiple disputes just in case I mistakenly selected the wrong reason. 

I am submitting this complaint against XXXX and XXXX because XXXX and XXXX were able to update the balance correctly after reaching out to the loan servicer/provider. 

However, if it turns out the Department of Education and NelNet are giving out inaccurate information to select credit bureaus, I would like to file a complaint against them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ive sent multiple letters to XXXX, XXXX, & Equifax None of them have sent me an updated report within the 30 day time period nor has my credit reports been updated which is causing me to be denied and progressing in life

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/22, I asked the mortgage company, Lakeview MortgageXXXX. XXXX to pay my XXXX XXXX tax in 2 installments rather than 1 in order to avoid their anticipated escrow shortage which would increase my recently decreased mortgage payment roughly {$400.00}. Their unpersonalized canned response was unhelpful. I then called to request this and was told that their system shows it will be paid in 2 installments as requested BUT it was not showing on their website. I was told not to worry. I then realized that when my mortgage account was transferred in XXXX from XXXX to LakeviewXXXX. XXXX, I was told no payment would be due until XX/XX/XXXX. I like to stay ahead of payments so I paid the XXXX mortgage payment in advance. They credited the full amount to principal and failed to credit any of the payment to escrow as they should have. This, paired with the single tax payment ( as opposed to two timed installments ) is what created the anticipated escrow shortage. And that {$2000.00} shortage is resulting in a {$400.00} increase to my monthly payments! My prior mortgage company had DECREASED my monthly payments by {$400.00} after their escrow analysis. LakeviewXXXX. XXXX is refusing to apply my XXXX payments as requested and have shown no evidence that they are paying my taxes in two installments as requested. This is resulting in me paying more interest. It's an unfair business practice. Mortgage companies should be required to warn customers NOT to skip a payment when refinancing or when their mortgage is sold or they should be required to advise them to at least pay the escrow amount. Mortgage companies should also be required to speak in understandable, personalize language when corresponding with customers - unpersonalized, generalized canned statements are NOT helpful. I do strongly believe that this company plays with numbers to draw more money out of unsuspecting customers.

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: CO
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:
XXXX XXXX services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. 

Later that evening I received an alert from Experian that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from XXXX XXXX XXXX on XX/XX/2023 in relation to the same application from XX/XX/2023. 

I contacted Experian and they refused to dispute the duplicate hard inquiry. They directed me to XXXX to request removal. I contacted XXXX and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. 

My concern is that if the same bank ran my credit twice within XXXX days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. 

Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report twice for their investigation into the validity of my my identity and application. 

My XXXX score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
After I sent XXXX XXXX a letter complaining that their investor day was not open to all investors, my Cash App account was frozen and I have not been able to use since

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i wrote, called and worked with representatives regarding my loan modification with XXXX  that i did not receive my modification in XX/XX/XXXX after paying three trial payments XXXX, XXXX, XX/XX/XXXX ) all documented to XXXX and Nationstar. 
Still looking for resolution all these years and correspondences, Mr. Cooper responded with their letter to me dated XX/XX/XXXX. 
CASE NUMBER : XXXX the letter details that I withdrew my modification in XXXX of XXXX and thats why my modification was denied. I HAVE DETAILED RECORDS OF IMPLORING those reps i was dealing with or on phone with to get me the modification. that i was waiting for it after my payments were directly taken by XXXX. in this correspondence of XX/XX/XXXX they included a letter from XXXX - stating that I withdrew my modification! I was calling looking for my modification IN XXXX and XXXX and again in XXXX -- -where was this letter then? 

ALSO IN this correspondence is the Nationstar mtg letter to me stating they are taking over my mtg and that they are charging me $ XXXX in interest {$900.00} in fees and $ XXXX in escrow advances. 
NONE OF WHICH I WOULD OWE IF MY LOAN WAS MODIFIED AS I WAS TOLD IT WAS BEING MODIFIED BY BOA IN XX/XX/XXXX. 
I WAS FIVE PAYMENTS BEHIND AS OF XX/XX/XXXX, WHEN I MADE MY FIRST TRIAL PAYMENT XX/XX/XXXX, XXXX XX/XX/XXXX AND XXXX XX/XX/XXXX TO XXXX. 
FIVE PAYMENTS OWED AS OF XX/XX/XXXX. 
MY REAL ESTATE TAXES WERE ON TRACK BECAUSE I PAID THEM UNTIL ENTERING INTO THE MODIFICATION! 
TAXES WERE UP TO DATE THRU XX/XX/XXXX! 
I NEED MR COOPERS OFFICE OF THE PRESIDENT AND CEO TO CONTACT ME DIRECTLY TO GO OVER THIS LOAN. IT TOOK NATIONSTAR THREE YEARS TO APPROVE A LOAN I WAS ALREADY APPROVED FOR MOD AND DONE XX/XX/XXXX. FIVE PAYMENTS BECAME 50 AS indicated in the letter. mr cooper also sent me the details of the payments they received, charges, WHAT INTEREST WAS I CHARGED? i see from the onset XX/XX/XXXX $ XXXX plus fees. NATIONSTAR would NOT ALLOW ME TO CONTINUE TO MAKE PAYMENTS ... THEY SAID I HAD NO LOAN. IT WAS A BAD LOAN AND I WASNT GETTING APPROVED! 

i should not be charged for the three years NATIONSTAR took to offer me a modification i was up to date on my real estate taxes thru XX/XX/XXXX. 
XXXX transferred my loan to NATIONSTAR and NATIONSTAR ignored my pleas for three years, adding to EMOTIONAL, PHYSICALLY DEBILITATING AND FINANCIAL STRESS. 
MY CREDIT WAS RUINED. I would like to talk to someone about removing the missed payments from my credit, i paid every month other than the five missed and would have continued to pay and asked continually for someone to take my payment, i have it documented! The bank took over my r/e tax payments when i did the modification, no longer allowing me to pay for those, i should only be charged for the taxes and house insurance payments the bank made, pls help. XXXX

Company response to consumer: Closed with explanation