BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-26
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:
My name is 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.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: IL
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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  : {$620.00} XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$620.00} 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 2023-10-31
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received any communication from the company that they were trying to collect on a debt. Didnt have the opportunity to dispute before it went on my credit report. And to top it off the debt is not valid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: Self Financial Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been making on time payments for bout 6 months now and still am unable to get a score, I have tried disputing incorrect info and still nothing ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan that i closed with the ledner i work with XXXX. The servicer is now LakeviewXXXX During that processing of closing the house ( being that it's a new build ) we projected the taxes based on the county tax rate and value of the property so that way i wouldnt have an escrow shortage. They did an escrow analysis prior to me being in the home for a year ( tax bill is out and has been out with the assessed value for this home since XXXX. ) During that analysis they did not review the correct information with the county and verify the taxes that are to be paid in less than 30 days. Now i have an escrow shortage and my payment has decreased which it should have NOT decreased. This is something that shouldn't happen, they should never do an analysis on the escrow prior to the bills being paid. Now i have to run around like a chicken with my head cut off waiting for a XXXX dollar check so i can make sure i can pay my taxes. Which SHOULD HAVE NEVER LEFT MY ACCOUNT until the bill was paid. This is terrible servicing and terrible customer service.

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 2022-11-16
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Requested a refund of payments on XX/XX/2022 they didn't put it into there system until XX/XX/2022 everytime I call concerning the timeline they delay the refund of payments from being processed original timeline was XXXX weeks it has escalated to XXXX weeks lying saying it's involved with the courts on the loan forgiveness

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
This is my second complaint against the Company Navient ; I have seen their response and was forced to place a second complaint on the collections agency. I have just received an email from Navient and was told that my taxes may be deducted. If CFPB ( consumer financial protection Bureau ) did not have a section to file a complaint against any sort of company or enterprise or franchise then we as students may never recover from debt collectors. To educate oneself is to free their mind and being in debt is stressful for ; above average percentage of college students. Badgering and threatening a learner is not abiding. I am willing to pay a settlement that I can pay in which your company Navient has not given me the opportunity to do. {$80.00} every two pay periods should not be a difficult payment arrangement to agree with. I just want my loan paid off and my living expenses up to par. 

Humbly Written, XXXX XXXX Furthermore It is best to reach me via email at XXXX ; my work hours get in the way of phone time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name-XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX  Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX Account XXXX XXXX 15 U.S.C 1681 section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c, ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone got a hold of my personal info and opened accounts under my name while doing check fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I had opened an account with Ally Bank on XX/XX/XXXX under the offer code " XXXX ''. Here are the terms of the code : " Set up qualifying direct deposit payments and receive a total of {$1500.00} in qualifying direct deposits by XX/XX/XXXX. You'll get a {$200.00} cash bonus within 30 days of the account receiving {$1500.00} in qualifying direct deposits. Keep your account open and in good standing to receive your cash bonus. '' I made deposits on XXXX XXXX and XXXX XXXX with deposit amounts of {$1100.00} and {$1100.00}. This is over the amount needed. My account is still open and in good standing. I also wanted to point out that I am considered a new customer according to their terms since it has been over a year since I had had an 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 monetary relief
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: GA
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:
I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report. I've provided documents that back my assertions. I greatly value your swift action in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2022-02-22
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022, XXXX XXXX  transferred servicing of my mortgage to Mr. Cooper. I was told I was going to receive a welcome package in XXXX  days. As of this writing, I did not receive a welcome package in the mail. I tried to register on XXXX, and they have no record of my loan being transferred from XXXX XXXX. Here is what they said : " Welcome! We didn't find that loan information in our system. If you received a letter or email about your loan being transferred to Mr. Cooper, this probably just means we're still working on entering all your loan data into our system. 

Typically, it takes up to XXXX days from your official transfer date for all your data to be entered. Please visit this page again soon to look up your loan and view its details. 

For more information, you can browse the FAQ at the bottom of this page for answers to common transfer questions. '' I tried to call ( using my SSN ) on XX/XX/2022, and they have no record of my loan. I can't seem to get in touch to make the payments. 

XXXX XXXX # XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
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: Old information reappears or never goes away

Complaint:
On XX/XX/2022 I applied for the XXXX XXXX Bank credit builder credit card. Account was approved and then closed the same day. They have now reported this account to my credit bureau reports as a closed account and that it was closed at the credit grantors request. The account should have never been reported to the bureaus as it was closed the same day it was opened. In addition to that, it caused my credit score to drop as a result because it shows an account opened then closed. I asked them to remove it and all they could tell me was to have the credit bureaus remove it.

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 2020-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX thru Bank of America I tried to make a payment to XXXX.It was returned for NSF. Another attempt was made XX/XX/XXXX but XXXX said it was not received. With the '' help '' of the branch managers & online services a dispute was filed. At first a credit was made to my account but then this was muddled and my account was debited. Another attempt was made and once again the account was credited, this time " permanently '' about XX/XX/XXXX. both in letter and e mail messages. Biut not only was this rescinded but money waa taken from XXXX. Everyone at BOA that I have contacted has been completely both inept and indifferent to any real customer service. Although this affects my account this is BOA 's problem and they must fix it. Fortunately this revolves around a {$120.00} payment but BOA 's response is the bigger 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 monetary relief
Consumer complaint received 2020-02-10
Company: Experian Information Solutions 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:
Experian is allowing XXXX XXXX to report expired information to my credit report. The debt with the original creditor XXXX XXXX has already been written as a profit loss in 2016, the are still trying to collect a debt that they have already been compensated for. I initiated a dispute of the information being reported and Experian not only did not do their due diligence, they are still reporting the expired information as accurate and updated. This has negatively impacted my credit profile and maimed my credit score.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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:
In according with the fair Credit Reporting Act XXXX  Account : XXXX XXXX on XX/XX/, 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 furbish an account without my written instructions.

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 2022-11-16
Company: ALLY FINANCIAL INC.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have an auto loan with Ally Financials. Ive fallen behind on payments but have always tried my best to pay something. On XXXX separate occasions, Ally violated the law. Ally financial contacted a family using their skip tracing method to get in touch with me/my husband. I called to let them know to stop because they dont know if the person they are reaching out to us is an ex-family member or not. Ive called on XXXX separate occasions to ask them to only call the number listed on the account and no more skip tracing. Today Ive had enough. They called someone else again, not an authorized person on the loan. 
- XXXX instance - XXXX instance XX/XX/2022. 
- XXXX instance XX/XX/2022. 
- XXXX instance 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 explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus continue to report inaccurate items after there investigation. im attaching supporting documentation with all 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 explanation
Consumer complaint received 2022-11-16
Company: AES/PHEAA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Fed Loan Servicing Company has transferred my Federal Student Loans over to XXXX. Once I consolidated my student Loans, I was told by fed Loan that the loans that they were reporting on my credit report would be deleted and that the Consolidated loan would appear as one large loan. The Individual Loans are still reflecting on all three of my Credit Reports, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My spouse is a member of the United States XXXX and I am a nurse. Our family was affected by XXXX and I had to reduce my hours/take time off work because of XXXX related circumstances. We were unfortunately unable to make payments on our mortgage. When we first contacted our mortgage company about what we could do, we were never told or made aware that they could change/modify our loan towards the end of this. We had a fixed interest rate for XXXX years at 2.25 % and now they want to increase/modify it to 6.75 % and or pay the outstanding balance. I feel like this is an unfair situation and I understand the mortgage company trying to reclaim the debt, but when we first spoke to rocket mortgage the consensus was that the interest would stay the same and the amount owed would be put towards/added towards the end of the mortgage. Because what was the point of the Cares act then? People are currently not purchasing homes because of the high interest rate and rocket mortgage now wants to put us into another unfair situation by modifying our loan at the current market when our interest rate was fixed. I think its absurd and borderline a scam that they're doing this to thousands of families. They're basically saying pay the balance off right away or we modify your loan to absurd rates.

Company response to consumer: Closed with explanation