BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: LA
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:
There is a self employed 1099 on my credit reports but that is incorrect information.

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 2022-04-29
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage through NACA in XX/XX/2022. They told me I had 60 days to be approved but wanted me to wait for approval until after I had worked at my new employer for one full year. This occurred on XX/XX/2022 about a week before the 60 day window closed. 

In the meantime my mortgage processor ( there they call them counselors ) quit. I feel because of improper case management, my new case worker had insufficient time to process my application and I have now fallen outside the 60-day window. They are now requiring me to check my credit again which I don't want to do. I explained this to the national team as well as my local counselor. I'm not an expect but not processing timely applications I believe is a Regulation B violation. 

On the last day of the 60-day window, my counselor called me with final details. He said they may come back with questions. I thought that meant it would still be solved the same day as I have no loans and no debt beyond credit cards I pay off each month. Yet somehow my mortgage application was deemed " Not Qualified ''. What's worse, I receive this notification via text with no explanation. I wrote them today to ask for further clarification and why Regulation B was not followed. I also asked for a manager or supervisor to escalate this issue. 

Instead, I receive a 3 sentence response : " Your file has been returned with conditions. The underwriter needs a new credit report. Let me know what you want to do. '' I still have no idea why my application wasn't approved. The company is not being forthcoming and I am not getting any help even after I ask for it. I suspect their teams are severely understaffed, but that is not at no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: ALLY FINANCIAL INC.
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 ( ally financial ) has violated my rights. under 15 usc 1681 section 602. it states i have the right to privacy. 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions ( which i did not gave ).

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 2017-07-18
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX  and   XXXX   XXXX   list the same  XXXX  loans multiple times on my credit report. Some of these loans have been re-aged to appear 10 years newer than they actually are and some of these loans are incorrectly statused. This is causing a massive credit hit which in the past has cost me potential employment ( denial letter had specifically cited credit score as the primary reason during pre-screening for employment with   XXXX   ), increased car insurance rates, and now it is making the ability to secure a mortgage impossible and a rental agreement extremely difficult. These loans are also moving from   XXXX   to   XXXX   XXXX   in an attempt to incur greater credit impact for the purpose of penalizing and shaming the borrower as there is no difference between the 2 companies since   XXXX   runs   XXXX   XXXX    and also provides all support for them if you try to contact   XXXX   XXXX  . The defaulted loans in question also have been forced into forbearance multiple times each as I was told that even when unemployed, I was simply not allowed the option to qualify for a deferment or any other plan ( this stems from when   XXXX   XXXX   was the name of the company ). Basically I have been cheated, lied to, penalized, and treated like garbage at every turn by this company an will be forced to sue before ever making another voluntary payment due to the extreme harassment and hardships they have imposed on my from early on and the life altering consequences that has made for.

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 2022-04-29
Company: Mr. Cooper Group Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XXXX we provided proof to mr. Cooper that we had change our insurance companies for our homeowners insurance to XXXX I have proof of that uploaded on my phone that they have updated it in their system we made our final payoff on our house with a payoff letter supplied from the mortgage company mr. Cooper and one week after we had wired the money from our bank to their account that they provide it they are saying now we owe an additional {$400.00} for hazard Insurance because we did not have insurance on our house which we had already supplied proof of so now they are not accepting the payoff that they gave to us because they're saying we owe them for insurance when we had already supplied them with proof they are trying to nickel-and-dime more money out of us

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Data and Contact Management Solutions, LLC
State: SC
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. 

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XXXX  you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Cedit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 cosumer reporting agency can not furnish a account without my written instructions U S C 1681 c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years 15U.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 resonable 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 2023-07-12
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage Company continues to make false claims. They are charging me illegally for an Escrow and refuse to credit the refunded funds from the Insurance Company plus additional funds sent to them in error totally the cost of the insurance plus my deposit money to the insurance company refunded to them in error. They refuse to apply my payments to my mortgage and continue to charge me late fees and put my monthly payments into suspension. They also charged me {$500.00} twice the year before for an unknown reason for who knows what. While they claim I owe them {$3400.00} they actually owe me over {$1600.00} plus the interest on the loan from their misapplying my payments.

My complaint to the XXXX XXXX XXXX yelled no results. Freedom Mortage just made the fake claims that I was late on my Mortgage.

The Counseling support from a Hud Housing Counselor also yielded no results because Freedom Mortage Continues to Stonewall and make Paper trails of Late payments and Phone calls where they refuse to remedy the 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 2022-12-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX account ending in XXXX, I want this account deleted due to inaccuracies and false reporting. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Equifax is reporting several years of activity on payment history after account was closed. I want the account deleted for false reporting because there is no activity on payment history after an account is closed. Equifax is reporting available credit $ XXXX. This is inaccurate and false reporting and I want the account deleted because the account is closed so there is no Available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: LEXISNEXIS
State: AL
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:
RE : complaint # s XXXX for Lexisnexis XXXX for XXXX  This complaint was made early in XXXX of XXXX Both " investigations '' have been completed and there has been NO CHANGE made to my credit report. 

Somewhere there has been a MAJOR COMMUNICATION ERROR with this govt. agency, a major credit reporting bureau, and the fact finders that have been employed to collect data. 

I filed bankruptcy with my ex-husband in XXXX. I acknowledge that. I have never disputed that!!!!!!! 

However, XXXX  has that 1 bankruptcy reported 2 times. This is affecting my credit and creditworthiness!!!!! XXXX  will not remove the duplicate item. They say that Lexisnexis is reporting it, that they are responsible for correcting this error. 

Lexisnexis says that I filed bankruptcy in XXXX with my ex husband, and will not change the reporting. 

CFPB is relying on the " investigations '' of these companies to resolve the original complaint. 

I am complaining today, XX/XX/XXXX, that these companies are not fixing my credit report. This is my second complaint. 

Please remedy this. Recap : I have 1 bankruptcy filed with my ex-husband in XXXX. XXXX  has this reported as 2 bankruptcies in XXXX. I want the DUPLICATE public record removed from my XXXX  credit report. NOT THE ORIGINAL, JUST THE DUPLICATE. 
I do not care who has to do what to get it done, I just want it done. I have filed, in total, 3 disputes with XXXX, 1 dispute with Lexisnexis, and now 2 complaints with CFPB. Why is this not sufficient?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The company is refusing to send my credit card statements for the year of XXXX They told me numerous times on the phone that the statements are available. However they sent all of my statements except for that year and I've contacted them to asked why and was promised that they will be sent. I've not gotten them. 
Due to a flood of my basement where the documents were kept I don't have the needed proof that I purchased their XXXX lifetime transmission warranty unless I get those statements. I think that's the reason why they are deliberately not sending them.

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 2017-07-18
Company: EOS Holdings, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from   XXXX   XXXX  ,  XXXX  dated   XXXX   XXXX   , 2017    stating they represent a  EOS USA  and that I owe their client {$45.00} on a very old  XXXX  former  XXXX  account. I had phone service through this company years ago by closed the account and switched to another provider. I feel that this debt is not valid and way past any reasonable collections period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This complaint involves   XXXX   XXXX   XXXX   on Experian, Partial account number  XXXX  Date opened :  XX/XX/XXXX Type : Auto Lease. Status ; Discharged thru bankruptcy Chapter   XXXX   Account history Debt included in Chapter  XXXX  Bankruptcy on  XX/XX/XXXX .
This information is inaccurate.
This leased vehicle was kept in my possession until i purchased it and financed it with   XXXX   XXXX   XXXX   XXXX   in  XXXX .. This account is also on my credit report as ;   XXXX   XXXX   XXXX   XXXX  , Phone number   XXXX   partial account number ;  XXXX , date opened  XX/XX/XXXX . I just recently traded in the vehicle in  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 2017-07-18
Company: Experian Information Solutions Inc.
State: AL
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 submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting twice on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my 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 explanation
Consumer complaint received 2022-12-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB + Midland Credit Management, On a recent check of my credit reports I see there is a collection/charge off account from Midland Credit Management saying I owe a debt of {$2200.00} that I do not recognize. 

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract authorizing a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the Consumer Financial Protection Bureau ( CFPB ) website so that we have documented proof. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you must remove the collection account from the credit reporting agencies. 

Enclosed with this CFPB complaint are : My drivers license that shows identity + mailing address This letter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: EQUIFAX, INC.
State: AL
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 submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting twice on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18
Company: CITIBANK, N.A.
State: MT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company claiming to be XXXX XXXX XXXX XXXX. says they are collecting for Citibank MasterCard to collect and will make settlement before charge-off. They contacted my son while at work asking if he had poa for me, gave him the name XXXX XXXX & case # XXXX on X/XX/2017. I gave them a call, someone with another name came on phone wanting to settle {$1700.00} debt for {$1000.00}, he said a certified letter was returned in XX/XX/XXXX from the p o box # which had been temporarily closed, I told them to resend it to have documentation to review. No letters or documentation just phone calls. I have blocked the number, my son has gotten 3 more calls with them leaving voicemail messages. I can not find record of this debt on my credit report through XXXX or a credit counselor.
The numbers used by this company are 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 2022-08-12
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: Their investigation did not fix an error on your report

Complaint:
The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have made many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and update it from my personal credit file. Thank you. XXXX XXXX XXXX XXXXXXXX

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