BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: IL
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 : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX  XXXX {$0.00} 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 explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To whom it XXXX concern! I XXXX XXXX XXXX pulled my credit report on XX/XX/2023 and seen on my Experian credit report my personal information was reporting inaccurate. I then sent a dispute letter on XX/XX/2023 to current my personal information via certificate mail with proof of my government ID and proof of residency of my bank statement & I also called on several occasions to correct it. Experian claimed they fixed it but when I look at my credit report my name is still reporting inaccurate. It should only be XXXX name on my credit report not XXXX names. I stated this in writing and over the phone when I looked at my credit report my name is still 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 2023-04-27
Company: EQUIFAX, 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:
XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 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 2023-06-20
Company: U.S. BANCORP
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed with a balance of {$1900.00} but I only received a check of {$10.00} dated XX/XX/2023. The remaining {$1900.00} is yet to be sent. I have tried calling several times but no assistance has been issued.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: IA
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: Problem with personal statement of dispute

Complaint:
previously distributed XXXX  XXXX/ XXXX revolving credit account date open XX/XX/XXXX with a balance of {$1600.00}. results came back stating account previously in Dispute no resolved reported by data furniture to be use for FCRA dispute by Experian. XXXX XXXX is reporting dispute resolved reported by grantor. I strongly disagree with results. Account is factually reporting incorrect. Date of last payment reported as XX/XX/XXXX by XXXX XXXX and Experian while XXXX reported XX/XX/XXXX. Payment history reported perfect payments by XXXX while experian reported consecutive charge off as if it was some sort of payment method.. date of last payment for XXXX was XX/XX/XXXX making no sense with what payment history was reporting. after I disputed account for factual, inaccuracies account came back with updates not only on date last active but also XXXX removed all payment history and replaced OK as agreed with consecutive charge off deleting date of last payment, showing no data whatsoever. Theres no way that you can report account with missing data and incorrect information. This is not acceptable information can not be deleted and replace as pleas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: SUPERIOR CAR CREDIT
State: IL
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 bought a vehicle from Superior Car Credit XXXX XXXX. For the entire year of XXXX I payed on the vehicle. I fell behind a couple times, but always came up with the money to catch up. Due to family issues XX/XX/XXXX of XXXX the car was repossessed. For the first 4 months the company reported to the credit bureaus that I was missing payments. I had to dispute this with the credit agencies for them to report accurately to no avail. Finally the account was closed with Superior Car Credit reporting a {$10000.00} balance was false. After asking them if the car was in auction or sold I was met with false information. Turns out the car was sold months before. Superior Car Credit finally reported that I owed XXXX this is after I'd seek legal assistance. This does not reflect any of my payments or the sale of the vehicle. One of the finance staff told me that they'll make sure I cant get another vehicle with false reporting. This company is awful and poor and illegal loan practices. I'm seeking proof of the vehicle sale and date and for them to report accurately of the true balance of the vehicle. I've emailed them several times and no one has gotten back to me. This is hurting my score and making it impossible to get another vehicle. please help

Company response to consumer: Untimely response
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
they failed to execute my request to adhere to my privacy request. 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

SPECIFICALLY FOR ACCOUNTS BELOW ; XXXX XXXX PAYMENT HISTORY MONTHS OF XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Opt of sharing this information on my consumer report XXXX  XXXX ACCTT NUMBER XXXX REMOVE FROM MY REPORT-Opt of sharing this information on my consumer report

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 2015-09-15
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Payment is due on XXXX of month. Company calls every month prior to this date to make sure I plan on paying them. I have had the loan for more than 5 years and have had XXXX late payment due to circumstances beyond my control. I have told company to stop contacting me. They ignore the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for the extended Public Service Loan Forgiveness back in XXXX XXXX I received an email from Mohela on XX/XX/XXXX that my application had been received and to give them 90 days for it to be processed. It is XX/XX/XXXX and I still have not received any information regarding my application and it has not been processed. When I log in to the Mohela website it states they received my application on XXXX XXXX and application is being processed. How did they received my application both in XXXX and XXXX? I have been waiting for over 6 months to find out if my loans will be forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: FCI Lender Services Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company was contacted by the attorney representing me in the sale of my home and a closing date was established for XX/XX/XXXX at approximately XXXX. My mortgage payments are scheduled to be automatically debited from my checking account on the XXXX of the month excepting if the XXXX falls on a weekend. I contacted the account manager that is the contact for anything connected to the mortgage account in my name and instructed him not to debit my checking account for the month of XXXX as the home would be sold on the morning of the XXXX. The mortgage company debited my account several days early so they could receive the payment before I closed the sale on the XXXX. I instructed the mortgage company that by doing so they would change the outstanding balance on the sale price of the home and I would lose a full month mortgage for a few hours of ownership. I have requested that the mortgage company reimburse me for the withdrawal made from my account for the payment of the XXXX mortgage and have not yielded positive results from any conversation with them. Their intent to extract payment early was only so they could get one last payment prior to sale. The sale of the home went as planned on Monday XX/XX/XXXX XXXX and I lost a full months mortgage for a couple of hours of ownership. I instructed that if for any reason the closing did not go as planned then they could extract the payment on the XXXX which they have done several times before in the past when the XXXX of the month fell on a XXXX. I seek resolution for this issue.

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 2023-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
See attached. Get these panhandling frauds out of my email inbox. XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Mobile : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

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 2023-09-24
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, On XX/XX/XXXX, I received a collections letter from Jefferson Capital with reference number XXXX. This letter claims a debt originating from XXXX XXXX XXXXXXXX account number XXXX, dated XX/XX/XXXX, in the amount of {XXXX}. I would like to state that I have no knowledge or record of this alleged debt. 

Furthermore, as per Section 16.004 of the Texas Civil Practice and Remedies Code, the statute of limitations on debt in Texas is four years. Considering this, the mentioned debt is well beyond the allowable timeframe for collection. 

I am unclear about the origin of this debt and why I am being contacted regarding this matter. Please provide a detailed validation of this debt, and if it's determined to be inaccurate, kindly ensure that all records related to this claim are corrected or removed. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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:
Dear CFPB, I have new and updated information regarding these negative accounts that are reporting to my credit profile. Im submitting this complaint by myself and there is no unauthorized third party involved. 

I have ask all XXXX of these credit reporting agencies to update my address to and remove these negatively reporting accounts to my credit profile via mail and they have failed to do so. I have used their online portals to dispute. I have used the BBB to dispute and they still continue to violate and hurt 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 2023-06-20
Company: Experian Information Solutions Inc.
State: NJ
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - XXXX Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

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: Bread Financial Holdings, Inc.
State: KY
Product: Credit 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:
Dell decided to switch to Comenity ( XX/XX/2023 ) to now service their financing. It has been an absolute mess of a transition. My account was " transitioned '' to Comenity, but the only way you can setup your so called new account is by having an account number to a system that never existed prior. They apparently mail you your account number... well I never got anything and they state they won't give you your account number over the phone, so I have XXXX access to my account. I see this practice as entirely predatory to switch servicers and make it extremely difficult to then make a payment, especially when you had your payments on autopay before. Now my account is delinquent, I have no way to make a payment, and they continue to charge late fees. I can rightly assume that they've made a fortune in late fees already from people who can't figure out this convoluted and frankly extremely disruptive process to an existing store card account. This is not only been inconvenient, but has cost me money and valuable time when this could've been done exponentially better. I now have to wait again to receive an account number in the mail ( this is 2023, how is this even still allowed ), since they don't even put the account number on the statements. yes thats right, you can't even get the account number on your statement so you just see your balance accrue and have nothing you can do about it because they won't give you your account number over the phone ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
Identity theft issue. I am not the person XXXX XXXX has a contract with. It is not my name and I have never opened an account with this company. It is an identity theft issue that I have been dealing with. It is not my birth date they have listed, but a similiar birthdate. It is not my name they have listed, but a similiar name. However they have somehow put it under my social security number by mistake or gotten me mixed up with the similiar name ... and put it under my address. They are trying to bill me for another person 's bills and say it is mine and put it under my credit report. I have reported the " identity theft '' and the name as " identity theft '' however EQUIFAX seems to be the cause of the " BREACH '' I believe. Equifax refuses no matter what I tell them to remove the wrong name. The first name is " XXXX '' since registered with State. Never " XXXX ''. I have called multiple times to report to Equifax, written Equifax multiple times, sent them UCC laws, sent them passport, sent them licenses, sent them FTC Identity Theft reports, but still they refuse to remove the name " XXXX '', which opens the door to more identity theft by the original breach and thief. ( all by internet, by usps mail and called multiple times to talk to agents ). NO MATTER WHAT I DO, EQUIFAX REFUSES. NO OTHER CREDIT COMPANY OR COMPANY CONTINUES TO MAKE THIS MISTAKE EXCEPT EQUIFAX. At this point I want to opt out of Equifax and take all my information off of their reporting circuit. I do not trust them after their breach and they do not seem to be able to correct their mistakes. I want to OPT OUT of EQUIFAX. They have caused too much trouble for me and I believe they have actually CAUSED my Identity Theft and are continuing to put me at risk!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX " lied '' to me at the XXXX to XXXX XXXX closing for my REFI mortgage ( who sets a closing at XXXX to XXXX? ) I had a XXXX XXXX at XXXX but my medicine was outside in the bag on my bike. They knew i was a XXXX person because they demanded a copy of my XXXX XXXX award letter for proof of income. I was promised a loan note XXXX above my XXXX original amount. That 's a total of {$84000.00}. Yet 2 months later when the Fed-ex delivered my new mortgage, the amount was XXXX plus. 
So, you ask, why did'nt i cancel or refuse the REFI during my 3 day " recission '' period? The short answer ; i was denied the 3 day recission period. Also, during the closing, i asked XXXX times for a copy of the note so i could take it home and show it to a real estate attorney. Closing agents said and i quote, " XXXX XXXX, there are XXXX pages in this refi note and we have to get every page upstairs to be notarized. '' Both closing agents resigned 4 months later. My note is above XXXX and set at 40 years. Please do the math for a 40 year note and you see how screwed i am. I will be grossly upside down for the rest of my life. My credit is " shot. '' I ca n't even replace my broken refridgerator. My tv is 20 years old ( analog ) and the picture is awful. Can ; t finance or buy a tv either. My only transportation is a used bike. U get the picture. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX / XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$18000.00} ; XXXX XXXX XXXX Balance : {$660.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 .

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