BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
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:
In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXXXXXX XXXX XXXX XXXX Account 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

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 2022-11-06
Company: EQUIFAX, INC.
State: TN
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. 

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 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 2020-06-12
Company: EQUIFAX, INC.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: NJ
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXXXXXX XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX  XXXX Bankruptcy Case Number : 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 2023-02-04
Company: Commerce Home Mortgage, Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX, 2022, a contract was entered for the sale of my own home. I was the XXXX agent. Per the contract, the closing date was to happen on XX/XX/2022. Due to the negligence of the lender to act in a timely manner and ignorance of their own loan product policies, we did not close until XX/XX/2022. I say it was negligence and ignorance on their part because I performed my duties of the contract in a timely manner and it was on their own admission that the buyer did too. Some of the extra time was needed because they could not figure out if to use the homestead exemption tax rate for the home which the buyer certified would be his primary residence! According to the bank, if the homestead exemption tax rate could not be used, it would put the buyer above the ratios and disqualify him from being able to purchase the home. Meetings and phone calls were scheduled within the bank to resolve that matter and were put off. As a XXXX XXXXt, I am usually able to recoup what monetary losses my seller will have due to extending the closing date by reducing the closing cost concession, if there was one written in the contract. However, the bank stated that, if I did that on this home, it would also disqualify the buyer from purchasing the home. They suggested that buyer pay me the {$2000.00} in reduction outside of the closing table even though the delay had not been buyer 's fault. I should note that this was not mentioned on the emails or texts but via phone call. On XX/XX/2022 I sent my final text to the loan originator asking her for a status. There was no reply. On XX/XX/2022 I began the process to request XXXX money as I was under no obligation to complete the sale. I communicated that with the buyer 's agent and shortly after that, I finally received a phone call from the bank telling me we had a clear to close. It would have been unfair for the buyer to lose the home due to the negligence and ignorance of the bank so I agree to complete the sale. However, the bank still needs to XXXX held liable and responsible for the monetary losses that I, the XXXXXXXX XXXX incurred such as additional taxes, additional home insurance, additional interest and additional utilities. There is a consideration that is made when a contract is accepted that relates to how soon the buyer and lender can get the deal closed. Lenders need to know the importance of that in real estate and act and/or perform accordingly. I have worked as a XXXX XXXX XXXX for 10 years, there are cases when circumstance are out of everyone 's control. THIS was not XXXX of them. Most of our communication is in texts or emails attached. This does not include phone calls made for which I do not have recordings of.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like the following inquiries and personal information about my account removed as it violates my rights. 

ACCOUNTS : - XXXX The above mentioned accounts and information have 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 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 2019-07-23
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:
I have filed several complaints. However, the only thing taken away from such is that XXXX says it's paid in full but still a charge off according to transunion investigation. However, my car was not repossessed. Nor did I sign their " collection paper ''. you can clearly see that is not my handwriting or signature in correlation to the lease. secondly, I was never afforded the opportunity to get my vehicle back ever which I tried too. I will reiterate I had a remaining balance of XXXX the car sold for over 21k. I still owe nothing to the company. Also, The leasing company was aware of the issues with the dealer and did nothing to help me or fix the issue. I will continue to complain until this is properly taken care of.

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 2023-10-11
Company: Nelnet, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Nelnet your reply is misprsentative. sending a billing statement means Collection. I am not enrolled in a new fresh start program and do not want to be enrolled in a new fresh program. Nelnet your contract with the U.S. Department of Education does n ot start until XX/XX/XXXX. Nelnet contract is to service student loans that are owned by the U.S. Department of Education. The U.S. Department of Education also owns Federal Family Education Loan Program FFLE student loans. Nelnet tell me if this loan is owned by the U.S. Department of Education dated XX/XX/XXXX. 
Nelnet you wrote under the Freedom of Information Act you are required to validate the debt but I do not see the federal lender name who orginated the federal consolidation education code.

( 1 ) Under the Freedom of Information Act for your fruadently federal consolidate loan student loan send me the federal lender education code who orginated the federal consolidation .on XX/XX/XXXX and the federal lender orginator address and phone number and website. 
( 2 ) Send me the lender name who received the distrubition amount of {$49000.00} on XX/XX/XXXX. 
( 4 ) Nelnet you wrote the note was completed under the Electronic Signatures Act Global and National Commerce Act under the Act .Nelnet is required send the ESign Contract. 
( 5 ) Nlenet you wrote for me to look into the National Student Loan Data System ( NSLDS ) Nelnet look into the NSLDS dated XX/XX/XXXX it says DEFAULTED, UNRESOVED. 
On XX/XX/XXXX DEFAULTED, COLLECTION TERMINATED. 
( 6 ) Nelnet send me the letter for the U.S Department of Education reading the fraudulent federal student loan was in the Fresh Start Program without my permission. 
( 7 ) Nelnet send your license number to service this fraudulent federal consoldation loan as of this dated XXXX XXXX, XXXX. 
( 8 ) Nelnet who is the guarantor of this fraudulent federal student loan dated XX/XX/XXXX. 
( 9 ) Nelnet on the fraudulent federal student loan what address did I live at XX/XX/XXXX. 
( 10 ) Nelnet why do you illegal use the word ED behind your name the other servicers do not? 
( 11 ) NELNET LISTEN TO ME I AM NOT GOING TO PAY ONE PENNY ON FRAUDULENT STUDENT LOAN. STOP SENDING ME BILING STATEMENTS FOR COLLECTION. I WILL NOT BE FILLING OUT YOUR DISCHARGE FORM BECAUSE YOU ARE IN ILLEGAL CUSTODY OF THE FRAUDULENT FEDERAL STUDENT THAT WAS TERMINATED BY THE U.S.DEPARTMENT OF EDUCATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: NV
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:
These accounts are not mine, I noticed them when trying to make a purchase. XXXX XXXX {$8000.00} opened XX/XX/2021 XXXX XXXX XXXX XXXX {$3100.00} opened XX/XX/2021 15 u.s.c 1681 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I pulled my XXXX credit report and found One Main had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: FORD MOTOR CREDIT CO.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the XX/XX/XXXX. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : FORD MOTOR CREDIT COMP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, I am one of the tenant in New York, who was looking to sublease my apartment and posted an ad online for roommates. I got in touch with a person who apparently looked genuine ( said originally from XXXX ) and sent a check of XXXX XXXX which is way excessive amount of my rent ( XXXX $ /month ). The person reported that the company she is going to work was sending the check ( that includes rent, her transportation from XXXX, her living expenses as well ). I was so XXXX and XXXX to believe that and deposited the check into my Chase account on XX/XX/19. I was not aware how the check process works in USA ( am an XXXX Citizen ). So I thought, if it gets accepted by bank and I was able to see the funds immediately in my account, felt the check deposited was successful and sent a wire transfer on XX/XX/19 with XXXX $ ( to her friend 's account in XXXX, as she said she did not open bank account in USA yet ). My check deposited got bounced and wire transfer was successful with losing all money. I wasn't sure what to do. I immediately contacted the person whom I am renting to. She said there was some mistake and the company is going to look into it. Meanwhile I contacted my bank ( as it went to negative balance ), they said it was scam which then I realized and tried to proceed with the further process. However the process did not start immediately as my account was in negative and the bank could not help until it is active. The person stopped contacting me after three days of wire transfer. The bank were very helpful and attempted several times to get the wire transfer money bank ( from XXXX XXXX XXXX ) with minimal response. So I want to report if there is anything I have to do to request to get my funds through you. I would really appreciate if you can help me with this. 
Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-17
Company: AMA Advisors, LLC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This all began in XX/XX/2020. My mortgage company Homebrigde took two payments ( XXXX ) from my account and when i informed that they took t wo payments from my account they agreed to send one of the payments back. I spoke with them on many occations and no funds returned until XX/XX/XXXX. Prior to them taken the two payments they sent me a letter that my payments will be going up by XXXX as of XX/XX/XXXX which brought my payments to XXXX. I attempted to contact homebriged XXXX, XXXX XXXX, XXXX when i paid my payment in XXXX the person on the phone states the I attampere paid XXXX in XXXX and when I went to pay in XXXX the customer services person stated that I only needed to pay XXXX I explained that I paid XXXX last month he insisted that I paid XXXX he stated that I only needed XXXX i gave him that amount and it was reported that I made partial payment. They still had not returned the XXXX they took in XX/XX/2020. XXXX i got my bank involved and homebridge sent me a check for XXXX. I still had not gotten a explanation for the raise in house payments in XXXX, Now in XXXX I spoke with a customer services and the issues seem to have been resolved he states that a supervisor will call me and financialize mistake and would correct my credit report regarding my house payments. NOTE : I have never missed a house payment since i have been with Homebridge XXXX my amount on my invoice was going up to like XXXX dollars and no one would give me a reason why I put in at least 20 request to speak to a supervisor and was never contact by a supervisor so I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX Now come XXXX and my invoice states that i owe XXXX dollars and im behind in payments XXXX the XXXX I agreed to pay them XXXX to resolved the issues. I paid XXXX on XXXX the XXXX and they sold my mortgage to XXXX and I and scheduled to pay them starting XXXX now my payments XXXXmonthly my credit is bad due to there mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have lease a vehicle with Kia. After the lease was up I turned my vehicle in and they did not advise me of any additional charges. I went to get a mortgage knowing my credit was excellent, but now was dropped 100 points from KIA financial. I immediately contacted them to pay whatever balance there was because they were reporting it on my credit report. It has been four months, and they have continued to report a delinquent account on my credit, ruining my credit score. I have called them, reported disputes, NUMEROUS TIMES over the past four months and not one of the employees from KIA Finacial have helped at all. I need to report them because nothing is being done no matter how many times I contact them or dispute their reports to the credit unions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 reached out XXXX on 3 separate occasions about this debt being incorrectly reported by PORTFOLIO RECOVERY ASSOCIATES. I have also reached out to portfolio recovery as well. The date of first delinquency has been WELL over 7 years, and when informed of this, and told that the last activity on the account was almost 8 years old. Inspite of this, XXXX has not verified the accuracy receiving nothing from original creditor ( XXXX  XXXX ) or account summery when last activity was, only asking PORTFOLIO RECOVERY ASSOCIATES to verify. PORTFOLIO RECOVERY ASSOCIATES fraudulently reported incorrect dates that have no documentation to verify the accuracy from original creditor. Only items provided was that there was delinquency 's from XX/XX/, but nothing on the status prior, because it would show there was delinquency then as well making the debt much older then is allowed to be reported.

Company response to consumer: Closed with explanation