BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: CA
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 have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 
According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX MORTGAGE, 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 2023-04-25
Company: EQUIFAX, INC.
State: MO
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information below XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Initiated a billing dispute on XXXX/XXXX/21. Have not received provisional credit for the dispute. In attempts to inquire about status, I have only been informed that someone will get back to me. 

In a second credit card account, I redeemed a promotional offer whereby credit card company was offering 20 % back at a merchant. Despite meeting all terms, credit for the 20 % offer has not posted to account. Inquired and was informed would be within 7-14 business days, which has since passed. A second inquiry only advises that I would receive a response within 14 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-29
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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2022-03-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I had trouble using my pin to temporarily unlock the credit freeze on my Experian account. I had the pin number, but in spite of repeated tries, the pin number wasn't being recognized. I made a total of XXXX phone calls to Experian to XXXX different phone numbers ( one given to me by the utility company and two that I found online ). Each time I was connected to an identical automated system. Sometimes the system did not recognize the numbers I entered on the keypad of my XXXX. Sometimes it did not recognize my voice. When I was able to get past the identification portion of the call, it sent me down an endless rabbit hole of automated options. When I asked to speak to an agent, it said it was " connecting to a XXXX '' and then began another round of automated options. I was never able to reach a live person. Finally on the third or fourth try, the website DID recognize my pin number ( which I was copying and pasting, not typing in, so it wasn't a question of my typing it incorrectly ) and let me temporarily unfreeze my account. 

It should be illegal for a company that exercises almost complete control over whether I can open accounts, move my utility services, etc., to make it impossible to reach a live person.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: AL
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 ( 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 consumer reporting agency can not furnish an account without my written instructions! 



In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-11-28
Company: UNITED BANKSHARES, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
We financed a mortgage through a local lender, who immediately sold the loan to United Bank. United Bank seems to be a small-time/town very poorly run institution. We've had several issues in trying to use the website, where their instructions don't match what options are available there. The bank 's customer service team, while they do pick up the phone when you call, are hopelessly uninformed. We recently conducted a recast. You'd think it was XXXX XXXX by how we had to do it. We actually had to go into a branch to write a paper check and hand it in, which one staffer just set on a desk while the main POC was at lunch. They didn't inform me that we had to manually online update the auto payment. 

Just overall, this bank needs to update their website to the XXXXXXXX XXXX, much less XXXX  and beyond. Their staff needs to be trained on how the website works, what a mortgage recast is, check safety, etc. We never had these problems with real banks like XXXX XXXX XXXX XXXX XXXX XXXX, etc. These real banks know how to use modern technology, train staff, and just operate professionally.

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 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America is charging me overdraft fees on top of returned payment fees. I have had bank fees assessed duplicate times. Often the 'fees ' are just loans are at around 100 % interest or more. I have been assessed thousands of dollars of fees even after requesting that the bank turn off overdraft protection.

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 2022-03-18
Company: OneMain Finance Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed a dispute in regards incorrect items on my credit report. it's been well over 30 day and I still haven't receive any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: LEXISNEXIS
State: TX
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:
LexisNexis, I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by the Congress Under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX XXXX XXXXXXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX XXXX XXXXXXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX 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 a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation. XXXX XXXX XXXX XXXX XXXXXXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently noticed on my credit report ( s ) that information specifically inquired about information was reported I do not recognized. Several times I have enquired about these inquiries to the bureau 's to no avail.

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 2023-11-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Columbia Debt Recovery XXXX, dba Genesis, initially contacted me via email on XX/XX/2023, asserting a debt owed to XXXX  XXXX in the amount of {$450.00} as of XX/XX/2023. On XX/XX/2023, I formally requested documentation pertaining to the validity and basis of the debt, authorization for interest/fees, and proof of their authority to collect. Their response on XX/XX/2023 was an unclear account statement, missing the requested information. 

Despite my follow-up on XX/XX/2023 reiterating the need for missing information, they did not respond back. On XX/XX/2023, they sent another debt notice resembling their initial XX/XX/2023 email. My subsequent communication on XX/XX/2023 reiterated their failure to provide the essential information. 

In their most recent email dated XX/XX/2023, they claimed my account is considered past due, and has been place in collections on XX/XX/2023. However, they still have not responded to my requests for data, and their inconsistent communication, now with different dates, complicates my ability to address this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage has acquired my mortgage from several other companies. I owe less than 78 % on the original contract price. They refuse to take the PMI off and want multiple paperwork and wish to " consider '' whether they need to have an appraisal done. 
Nationstar apparently operates through a call center and hours have been spent on the telephone requesting help. 
Nationstar has been notified that they must send all official document notices by U.S. mail, not by E-mail. They have ignored this and will not comply. 
Service representatives will not identify themselves. 
Property is under XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet is my loan service provider. I am signed up for the SAVE repayment plan, and my monthly payment is supposed to be {$40.00} per month. My first month I paid {$40.00} on XX/XX/ and everything went fine. My second month I paid {$42.00} on XXXX but it did not prompt me with a minimum payment. My third month it told me my minimum payment was {$33.00}. So on XX/XX/ I paid {$34.00}. This payment went through but it said that my minimum payment was still {$33.00}. I assumed I was on the early side of the next payment cycle so on XX/XX/ I paid another {$33.00}. Now it is XXXX and they are saying that I am late on my payment and I now owe two payments of XXXX. One due immediately and the other one due on XX/XX/. I have screenshots of my payments in their system. I tried using the chat bot on their website but it just says to call them. I called them and and it said that I should just use their chat bot, and it hung up on me. Then I called back hit 0 a bunch until it said it was going to connect my but it needed my social security number. I put in my SSN and it said it was wrong, so I put it in again and then it said that I should just used the chat bot but that I can wait for a person if I wanted to, however, they are having unusual call volume so my recall time will be approximately 82 minutes. They then hung up with me after an hour and five minutes and thirty three seconds. I have the transcripts of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: MI
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance XXXX {$230.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$8900.00}

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 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX Account Number : XXXX has reported me to XXXX XXXX XXXX # : XXXX for the amount of XXXX This account should have never been reported as I was on auto pay and there were two charges for a tech visit that I was promised, I would not incur due to technical issues. I spoke with a rep by the name of XXXX on XX/XX/XXXX who saw CLEAR notes of technical issues since the beginning of service and credited me XXXX due to the error on cox end. I then paid the difference of XXXX. I spoke with collections and billing numerous times. There were two tickets placed for the back office which requested the account to be removed from my credit report and a letter stating the account was paid in full and it would be deleted from my credit reports due to an error on cox end. I called on XX/XX/XXXX and spoke to a supervisor in billing named XXXX who advised me the ticket was closed and refused. I am not sure if the tickets placed are clarifying the full 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 non-monetary relief