BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 and remove them immediately in my report : 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

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: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I took out a cash loan with XXXX XXXX XXXX and was making payments. I fell behind and the account went I to collections with a company called National Credit adjusters. I was able to make arrangements to pay off the debt. Currently at this point in time the debt has been paid off and account is in good standing. I have received a paid in full letter from both XXXX XXXX XXXX and National Credit Adjusters stating my account is paid and in good standing. However, I am now being harassed by a company that is claiming to be a law firm with name of XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX ( XXXX XXXX ). They are claiming that they are representing XXXX XXXX XXXX and they are suing me for the debt as well as court cost. They are also claiming some sort of bank fraud as well. Stating that when I recieved my loan I withdrew the money and closed the checking account. I have told this company multiple times that I have spoken to XXXX XXXX XXXX and National Credit Adjusters and both companies are stating I am in good standing and they also gave me pay off letters. XXXX XXXX does not care, and when I ask them to send me proof of debt they get aggressive and tell me its already been sent and at this point they have completed everything they need to by law. At this point I believe this to be a scam because this debt is not on my credit report and everytime they say they are serving me or that they sent me paperwork it never comes. However the harrasment is getting frustrating and they use new tactics everytime and I get caught off gaurd and it's very stressfull. This company ( XXXX XXXX XXXX ) also has my personal info, such as social and address and are OK with just handing it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The following XXXX XXXX 's did not have approval, permission or authority to run my Credit. Nor do I have any credit with these XXXX 's. On XX/XX/XXXX and XXXX and XX/XX/XXXX and XX/XX/XXXX I contacted TransUnion Credit Bureau and requested these Inquiries be removed as these Companies did not have permission, approval or authority to access my credit report. 

XXXX XXXX Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose INSURANCE UNDERWRITING. Attached is the docu sign contract and my name is not on the contract nor signed by me, XXXX XXXX XXXX Requested Credit Report on XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MN XXXX. 

XXXX XXXX XXXX Requested Credit Report on XX/XX/XXXX Location XXXX XXXX XXXX XXXX, WI XXXX Phone ( XXXX ) XXXX Inquiry Type Individual

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 2023-03-17
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges 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 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681.

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which antedotes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a XXXX, XXXX and Transunion Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to Transunion for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX  for XXXX {$84.00} ; it sold it to XXXX XXXX XXXXXXXX on XX/XX/2022 and the accounts is on my XXXX credit report, but I never owed them anything and it is still on my credit 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 2023-12-19
Company: Experian Information Solutions Inc.
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:
My consumer report contains multiple errors : inaccurate personal information, addresses that were never associated with me, wrong phone numbers, inaccurate bankruptcy information ( wrong Case number, asset amount ). 
I've tried several times to fix it with Experian. But they either never answer or just send you a letter that the account was verified. They never answered my request to provide method of verification and the name of the person they had verifies the information with. Moreover XXXX of the XXXX XXXX told me the never share information with CRAs. So the furniture of the information on my Experian consumer report 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 explanation
Consumer complaint received 2018-12-19
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Our property in the United States Virgin Islands was damaged in Hurricanes Irma and Maria in XX/XX/XXXX. We were allowed a forbearance in order to deal with the aftermath of the storms. We are now consistently making agreed upon lower than usual payments while we go back and forth between the continental United States and XXXX XXXX, United States Virgin Islands in order to make repairs that will make the property habitable. Our most recent several day repair visit ended XX/XX/XXXX. On XX/XX/XXXX, a third party service, XXXX XXXX, attempted to change the locks on our property. My neighbor saw the person, believed it was a break-in attempt, and confronted them. This person told my neighbor that the property was " in foreclosure ''. My neighbor, knowing that we regularly make payments, and that we are in the process of making thousands of dollars in repairs, believed the lock changer was a scam artist and sent the person away. When we called our mortgage company for an explanation they acknowledged regularly receiving the agreed upon amounts from us, confirmed that we are not in foreclosure, but claimed that they were attempting to lock us out because the property is abandoned. This property shows no sign whatsoever of being abandoned. While it requires repairs in order to be fully livable, it is neat, clean, furnished ( this can be seen via windows ) electricity and water work at the property, and all doors are locked. No reasonable person who actually visited and looked at the property could conclude that the property is abandoned. The Flagstar employee person we spoke with, XXXX, employee # XXXX, then indicted that we were not entitled to any contact or explanation before being locked out. We are deeply distressed to the point of illness that Flagstar made no attempt to contact us before sending someone to lock us out, and further, that they offer no guarantee that this will not occur again. This has been a very stressful post Hurricane period made worse by the behavior of Flagstar. Flagstar indicated during the call that they would note on our record that the property is not abandoned, and that we travel back and forth to make repairs, but they refused to provide any written follow-up that we telephoned, or any indication that our record has been noted. We feel entirely at their mercy, even as we spend our hard earned money to complete repairs. We have dealt in a good faith manner with Flagstar and they in turn are treating us very badly.

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 2023-04-10
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Better Mortgage, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern : I had applied for a refinance through the national Mortgage company named " Better Mortgage '' in XXXX of 2021. 

Everything was moving smoothly and I since my wife and I are self-employed and shelter most of our income we knew we may run into issues down the line with income requirements. I disclosed all this up-front with the understanding that we don't waste time going back and forth if this was already know and they understood and GUARANTEED a refund of the required appraisal in the case the loan did not go through. 

The appraisal was performed despite the loan being denied about a month later. 

I reached out mulitple times to their staff to ask that the refund of the appraisal costs be processed only to be ignored. One representative mentioned he would reach out to the refund department but then went cold since and the email is no longer responsive ( maybe that rep is no longer employed there ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: MS
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: Was not notified of investigation status or results

Complaint:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
On XXXX XXXX XXXX I submitted a dispute to a company called XXXX regarding a recent report provided by them to a potential landlord. On XX/XX/XXXX, I sent XXXX an email covering additional issues I had discovered while researching further about what was wrong with the report. I also submitted a complaint with the CFPB about XXXX, TransUnion, and XXXX ( complaint ID : XXXX ). 

XXXX XXXX XXXX I received an email claiming the XXXX XXXX XXXX branch of TransUnion had received my dispute, but failed to correct the issue claiming the " information was verified as accurate ''. 

TransUnion, as well as XXXX and XXXX, have a duty under 15 USC 1681s2 ( a ) ( 1 ) ( A ) to provide accurate information and 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. Without firsthand knowledge to confirm that the disputed information is indeed accurate, there is no way they could have verified it. 

In accordance with the Fair Credit Reporting Act, TransUnion, through TransUnion XXXX XXXX XXXX, has violated my Federally protected rights to both privacy and confidentiality as enumerated in 15 USC 1681 ( Section 602 of the FCRA ) and The Financial Privacy Act of 1978.

TransUnion has further violated 15 USC 1681 ( a ) ( 2 ) and 1681a ( d ) ( 2 ) ( iii ) by creating, keeping, then furnishing my account and file without my written consent, and restrained trade in violation of 15 USC 1, and 15 USC 2. These actions have also violated 15 USC 1681a ( k ), 15 USC 1602 ( p ), and 18 USC 894. 

These violations have directly and repeatedly caused my access to housing to be denied. Considering how badly people need homes and homes need people, this has been deeply damaging to my life, livelihood, safety, and happiness. 

Names Reported : XXXX XXXX, XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2018-09-11
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/18, I received an alert from a credit monitoring system that I was 90 days late on my student loan serviced through Nelnet. I called and spoke with Nelnet and advised that I had spoke with a representative back in XXXX. I asked her what we could do to try and remove the 90 day late pay and she immediately jumped to defense and only told me that she could not do this and that the late pay would stay. She never offered me an investigation or even to speak with upper management and now this has totally ruined my credit because of error that they made on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions Inc.
State: DC
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:
its been over than 30 days and the creditor has not update the information nor has provided proof or documentations in regards a late payments they have not supplied this information and they must delete allege late payment on my credit report. under federal law they had 30 days to complete the investigation and by falling to do so the item must be deleted from the report as as soon as possible.

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 2022-07-17
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:
Pursuant to 15 USC 1681b ( a ) ( 2 ) I have given Experian specific written instructions via certified mail for my consumer report. As I stated in my letter, this is not a dispute, but a demand. Experian is in violation of my rights as a federally protected consumer. Instead following my specific written instructions, pursuant to 15 USC 1681b ( a ) ( 2 ), Experian ignored my instructions, placed said alleged accounts in dispute status thus updating them on my consumer report. Additionally, incorrect and inaccurate names and accounts in which I have also given specific instructions for pursuant to 15 USC 1681b ( a ) ( 2 ) still remain on my consumer report.

My federally protected consumer rights have been violated pursuant to : 15 USC 1681b ( a ) ( 2 ) - States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ). States I have the right to privacy.

15 U.S. Code 1681e ( b ) Sates a consumer reporting agency shall follow reasonable procedures to assure 100 % accuracy of the information concerning the individual about whom the report relates.

1681C ( a ) ( 5 ) - States that no consumer reporting agency may make any consumer report containing any adverse information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1666 ( b ) - States a creditor may not treat a payment on a credit account under any open end consumer credit plan late for any purpose.

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