BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
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:
In Accordance with the Fair Credit Reporting Act XXXX XXXX last XXXX of my social is XXXX Has violated my rights 15 U.S.C 1682 section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
15 U.S.C. 1681 Section 602 states a consumer agency can not furnish an account without my written consent In accordance with the fair credit act these companies listed violated my rights! 

Credit Inquiries 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 2018-10-02
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper my mortgage company is saying that I have missed payments on my mortgage, however, I am up to date on my payments. I have spoken to 3 different representatives and each of them keeps telling me they are looking into it but no one gets back to me. At one point my mortgage showed due for the XXXX payment, and then once they appeared to start looking into this it is now showing due for the XXXX payment. Then, I received 2 letters telling me that my account is due for my XXXX payment and threatening foreclosure. I left 2 messages today for one of the representatives on the letter-XXXX XXXX and still did not receive a call back. I called again and spoke to another representative XXXX XXXX in the same department as the other representative who told me that the problem has been fixed and that I am now due for my XXXX payment. I have gone through all my statements all the way back to XX/XX/2018 and can prove that each payment has been made and I should be due for the XXXX payment. I spoke to a customer service rep a few weeks ago, who agreed with me that I should not send in my XXXX payment until this is resolved so that Mr. Cooper does not get confused in trying to resolve this issue. 

One of the reps told me the reason they are confused about my payments is because I have been making partial payments. I explained that I spoke to a representative several months ago who told me that I could go on their website and click on the " Make a Partial Payment '' button and make my payments that way. It says, " We understand that sometimes you are only able to make a partial payment. But keep in mind, you need to make your payment before the due date. '' This is what I have been doing since my paycheck is not enough to cover our entire mortgage payment. Our payment amount is {$1700.00} and I have been paying {$1800.00} a month. If their computer system can not handle customers making payments like this then they should not offer this option on their website. I have attached my bank statements all the way back to XXXX showing my payments. Below are the dates and amounts of each payment and which payment these amounts have paid. 

XXXX pmt- {$1800.00} debited from my account on XXXX XXXX pmt- {$600.00} debited XXXX, {$500.00} debited XXXX, {$700.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$700.00} debited XXXX, {$500.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$600.00} debited XXXX, {$600.00} debited XXXX, {$600.00} debited XXXX = {$1800.00} XXXX pmt- {$500.00} debited XXXX XXXX {$600.00} debited XXXX, {$700.00} debited XXXX {$1800.00} XXXX pmt- {$1800.00} debited XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Nicholas Financial Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
on XX/XX/XXXX, i sent XXXX XXXX XXXX letter regarding the alleged debt of {$8100.00} that i do not owe and i haven't receive anything.I sent another letter on XX/XX/XXXX to them requesting information with the same concerns and they haven't replied.this inaccurate item is damaging my credit and stoping me from getting a house.I have attached copies below of the letters that i has sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

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 2023-11-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to progressive. I have no contract with XXXX XXXX XXXX. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX ( Original Creditor : XXXX XXXX ) XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
Accordance with the Fair Credit Reporting Act XXXX  Acct no. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 h it states I have a right to privacy. 15 U.S.C 1681 604 A SECTION 2.also states a consumer agency can not furnish an account without my written instructions.

Accordance with the Fair Credit Reporting Act XXXX  Acct no. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 SECTION 602 h it states I have a right to privacy. 15 U.S.C 1681 604 A SECTION 2.also states a consumer agency can not furnish 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 2017-05-05
Company: Experian Information Solutions Inc.
State: CA
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   XXXX  did n't replying in a timely manner to my letters to date after numorious certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they  may  be liable for your willful non-compliance, as per FD CPA 807. False or misleading representations [ 15 USC 1962e ]   As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( or in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am preparing lawsuits against  XXXX , Experian &  XXXX  for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

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 2018-05-25
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit reports, I noticed an unfamiliar account listed from Midwest Recovery Systems for {$90.00} in or around XX/XX/2018. I have never received any written correspondence or documentation from this company in reference to this debt. I have never received notice of right this dispute. I didnt receive any information to verify debt. Also, I have never received any services from this company, nor have I signed any form of agreement binding me to any monetary/financial obligations owed to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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:
Dear Equifax, I hope this letter finds you well. I am writing to express my deep concern and frustration regarding an unresolved issue on my credit report. There is an invalid inquiry from XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit report. I believe this inquiry has been reported inaccurately and is adversely affecting my credit score. 

As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from Equifax. 

I hereby request that Equifax conducts a thorough and immediate investigation into the invalid XXXX XXXX  inquiry on my credit report. I have attached supporting documentation that clearly proves the invalidity of this inquiry and warrants its removal from my credit profile. 

According to the FCRA guidelines, I understand that Equifax is obligated to complete this investigation within 30 business days from the date of my initial dispute. I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. 

In the event that Equifax fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. 

I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect Equifax to take this matter seriously and treat it with the urgency and attention it deserves. 

I would appreciate a written acknowledgment of this complaint and a confirmation of the initiation of the investigation within 5 business days of receiving this letter. Please provide me with regular updates on the progress of the investigation until a resolution is reached. 

Thank you for your immediate attention to this matter. I expect that Equifax will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NJ
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:
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 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 accounts and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
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 *DEPT OF EDUCATION/XXXX XXXX *DEPT OF EDUCATION/XXXX XXXXXXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX *DEPT OF EDUCATIONXXXX XXXX UNAUTHORIZED INQUIRIES : XXXX 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 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 of 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 2022-04-13
Company: Experian Information Solutions Inc.
State: FL
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 credit Reporting act XXXX Account # XXXX And also XXXX has violate In Accordance with the credit Reporting act XXXX  Account # XXXX has violated 15 U.S.C 1681 section 602 A. states 1 have the right to privacy 15 U.S.C 1681 section 602 A. states 2 It also states a consumer reporting agency can not finish a account with out 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 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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 value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 2022-10-14
Company: FB FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
First Bank mortgage issued a partial claims on my mortgage, and never sent me any paperwork about the final results. First Bank Mortgage acquired XXXX XXXX XXXX a debt collector in there company to harass me about the past due amount. First Bank Mortgage never sent XXXX XXXX XXXX  documents of the partial claims that First Bank Mortgage approved for my mortgage loan. Neither did I get a copy of the documents. Now, Im trying to sell my home, and the title company cant get any documents from First Bank Mortgage or FHA about the partial claims payoff. XXXX XXXX XXXX also cant seem to get the partial claim from First Bank Mortgage neither. I was supposed to close on my home on XX/XX/2022. Nobody can seem to get in contact with anyone at First Bank Mortgage or FHA HUD for a partial claims payoff. However, First Bank Mortgage and XXXX XXXX XXXX are trying to double charge me for the same past due amount. Some how the title company has a copy of the 2nd deed of trust on my home that I knew nothing about, and never received documents for the 2nd deed/ partial claim. I am a XXXX XXXX patient this stressful on me. I want the bank held responsible for their negligence and unprofessionalism

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 2023-10-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXX ) Account # 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 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 2021-01-15
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened an American Express Platinum personal Card on XX/XX/2020 online with a marketing promotion of promising XXXX Membership Rewards points after spending {$5000.00} on purchases on the credit card in the first 6 months of Card Membership. Plus I would earn 10x points on eligible purchases on your new Card at U.S. Gas Stations and U.S. Supermarkets, on up to {$15000.00} in combined purchases, during the first 6 months of credit card membership.

After 2 months of using the card at grocery stores and gas stations, I noticed I wasn't receiving my 10x points back on purchases as promised by the promotion so I reached out to the American Express support. They notified me I wasn't eligble for that promotion nor was I eligible for the 100,000 membership reward points even if I spent {$5000.00}. 

American Express claims when I applied for the credit card, I was notified I would be ineligible for the above promotion. I was NEVER notified I would be ineligible for the promotion and I was immediately approved for the credit card after I applied. I even received the card 2 days later and I've been using the credit card for every purchase since I was approved believing I would receive what was promised to me by their promotion. 

American Express refuses to fulfill on the promise of their offer which is an extremely dishonest business practice since I NEVER received any prompt that notified me I would not be eligible for the offer. I hope American Express will see their wrong doing and fulfill on their promise. OR refund me their exorbitant annual fee of {$550.00} which I've already paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Debt Recovery Solutions, LLC
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt Recovery Solutions XXXX XXXX XXXX XXXXXXXX NY, XXXX XXXX I filed a dispute with the above listed company asking for a copy of a signed HIPPA form by me. If they couldn't produce it they would be in direct violation. They have not responded or sent me a copy. They reported a duplicate collection on my credit report of {$220.00}. Rather than simply responding they intentionally reported a duplicate collection on my report to further prevent me from getting funding. That is a clear violation.

Company response to consumer: Closed with explanation