BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Experian NEVER Did A Proper Investigation Into Any of the Accounts listed Below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  according to the FCRA The term investigate consumer report means a consumer report or thereof in which information on on a consumers character, general reputation personal characteristics or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They did not do this. 

Also they have violated more of my rights According with the fair Credit Reporting Everything must be 100 % ACCURATE!! 

Experian stated this account was properly investigated but how if the Open Date is inaccurate, Last Payment Date in inaccurate, date last reported is not accurate This is Grounds for REMOVAL!! 

They Also Violated the law because according to 15U.S.C 1681 Sec : on 602 A States I have a RIGHT to Privacy.

15 U.S.C 1681 Sec : on 604 A States a Consumer repor : ng agency can not furnish an account without my wri [ en instruc : on. 
I DID NOT GIVE ANYONE WRITTEN PERMISSION

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 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is a collection account called eastern XXXX XXXX  on my report for XXXX  in the amount {$900.00}. I have reported this as a fraudulent account several times and they come back less than XXXX hours days its been validated. When I ask what was information was used to validate the debt and for a copy no one can provide me with the information. This is not my debt nor have I had service with this company.

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 2023-02-11
Company: Self Financial Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
This is a closed account showing 30 days past due and a worst rating listed as 30 days. This is inaccurate reporting on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Dear COMENITYBANK/VICTORI # XXXX ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX TO XX/XX/2019. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, and being hospitalized, loss of a family member, and loss of job, etc. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 sent the credit Bureau ( Transunion ) letters asking them them to verify the fraudulent items on my report. Each time they update the file stating that everything is verified correctly. My credit report is still showing inaccuracies.15 U.S.C 1681s-2 ( A ) ( 1 ) ( B ) 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. Accounts are below and Transunion is the only CRA reporting this! 
XXXX XXXXL- Acct # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Inquiries- XXXX XXXX XXXX 3.XXXX  4.XXXX XXXXXXXX XXXX The credit Bureau ( TRANSUNION ) stated my account was properly investigated but how is that possible if the items don't belong to me nor does the information that there reporting is accurate. Nothing about these accounts are accurately accountable to be on my credit report. This is ground for removal, they also violated my rights under 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 1681 B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is Inaccurate ; and ( II ) the information is, in fact, inaccurate. I sent my last dispute on XX/XX/23 certified mail. Tracking # XXXX : My Attorney General in Wisconsin is involved also, they are the ones that told me to pursue litigation as they are investigating all CRA 's in my behalf. Paperwork from them will be included as well as TRANSUNIONS negligent response.

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 2021-08-12
Company: AES/PHEAA
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My old student loans from XXXX and XXXX continue to show up on my credit report in error. I am in the process of having my remaining student loan forgiven through the PSLF program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: SC
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity theft Affidavit. Please delete these items 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
BSI Financial is not timely responding to requests for information regarding the status of applications for mortgage assistance. We have mad several attempts to contact their office but their voicemail requests that we leave a message that will be returned which hasn't happened. The online account workout status has not updated the information we submitted over two weeks ago. The email message response only says we're processing it with no specific information regarding the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Thank you for reviewing the complaint. After reviewing the credit profile, XXXX continues to report account XXXX repeatedly. According to FCRA the method of reporting is illegal and inaccurate. The multiple accounts display as if 26 late-payments, instead of two late-payments.

The method of reporting continues to compromise credit score and creditworthiness.

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 2023-08-29
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, at XXXX I talked to XXXX XXXX and disputed a credit card debt. I talked with XXXX, badge # XXXX, and I instructed her to cease and desist all further communication. 

Today I received two letters in the mail from " Mullooly, Jeffrey, Rooney, & Flynn LLP. '' They claim to be lawyers but they make clear in the mailings that they want me to contact a non lawyer, which I find odd. Additionally no one picks up the phone number they list, and as far as I can tell they do not have any publicly facing phone number with an actual office and secretary like a real lawyer. 

My issue is therefore : 1. They should not be contacting me after I instructed XXXX to cease and desist all communications. Any communications from them are punishable under the FDCPA by a {$1000.00} fine per instance. 
2. They should not be pretending to be a law office unless they actually are lawyers, and it seems like this is just a crude tactic at intimidation, as they present themselves as lawyers but in the fine print they state they want me to talk to " a non-attorney debt collector. '' If they are a non-attorney debt collector they should not be using deceit to make it seem like a lawyer is chasing for a debt. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Transunion is in violation of FCRA 1681b A 2 1681i 5 Consumer law states my transactions and experiences are non public personal information that's confidential Consumer data. 
US DEPARTMENT OF EDUCATION account numbers XXXX & XXXX does not have written permission to furnish unauthorized inaccurate inconsistent information to my Consumer 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 2020-03-28
Company: Navient Solutions, LLC.
State: NV
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:
They miscalculate the interest. I called them, and the rep on the phone did the math, and got the same number as me. The CORRECT amount of interest. He got a supervisor on the phone and neither of the could explain why I was being charged more. They agreed to send me a letter detailing the interest calculation and the payments applied. It still didn't make any sense. The principal balance on the statements never matches. I have been paying for over a year and my balance has only stayed the same. The interest that should be charged would have the payment give {$9.00} towards the principal, yet the balance remained the same. I paid an additional {$20.00} as a test, and it all went to interest. Now that the fed has dropped the rate to zero, there were 13 days in my billing statement before it went to XXXX. The interest should have been {$61.00}. Instead, I was charged {$79.00}. I have spoken to them, yet they do nothing. It's really sad that they have already been sued for this, yet they do nothing to change it. They are stealing from me and countless others. They also stated that once I started making payments, they should have capitalized the outstanding interest which they did not. They claimed that is the reason I have nothing going to principal, because I have been paying the back interest. This is unacceptable behavior from a loan servicer. I work in mortgage and we would be HEAVILY find for doing these illegal activities. This month ( XX/XX/2020 ) was the first month my payment increased based on the payment plan I am in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX 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 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 XXXX 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 2022-03-02
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
1.In accordance with the Fair Credit Reporting Act Convergent Account # XXXX ( XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 2. In accordance with the Fair Credit Reporting Act Convergent Account name, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( has violated my rights. 15 U.S.C 1681 section 602 A. States I have rights to privacy. 15 U.S.C 1681 Section 604 A section2 : it also states a consumer reporting agency can not furnish an account without my written instructions. ( My Accurate Name Is XXXX XXXX XXXX ) There using an Inaccurate Name/Similar to mines please delete and update

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Block, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
2 payments were made at the same time to 2 different people only one was authorized ( XXXX XXXX ). 

This was for a hair appointment. The 2nd ( unauthorized ) transaction was to a man ( XXXX XXXX ) who helped me move my home back in XXXX! 

It is XXXX! I thought this would be fairly easy to resolve, but this crooked company says the payment was authorized ( even though the receipts and payments at exactly the SAME time to XXXX different people suggest otherwise!!!! ) It isnt difficult to see from the receipts that I would NOT be paying the mover for a hair appointment ( see the images ). 

It should not take all of this to return funds that have been mistakenly removed from someones account. Completely dishonest and unscrupulous!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Atlanticus Services Corporation
State: IL
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:
FORTIVA is reporting inaccurate showing missed payments on XXXX of XXXX and XXXX of XXXX. Thats inaccurate this account has never been late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12
Company: Experian Information Solutions Inc.
State: SC
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 Everything has to be 100 % accurate on my credit report The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation

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 2018-09-04
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
North American Recovery is reporting on my credit report for a very old debt that was actually paid by my insurance over 6 years ago. This is erroneous and I have been disputing it and nothing has been done. 
The bureaus and NAR are reporting inaccurate information that is old & past the statute of limitations as well as it was paid already by insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I subscribe to XXXX XXXX, a credit report monitoring company. For the past year, they have told me that Equifax and XXXX consistently report my XXXX XXXX FICO score as between XXXX and XXXX. In XXXX, 2022, both agencies reported that my score was XXXX. Additionally, I have several accounts with XXXX Bank and they also reported that my score was XXXX. I then went buy a car. 

According to the car dealership, XXXX XXXX XXXX, who shared my FICO score with me, the XXXX XXXX score that they received from Equifax was only XXXX. While that is still not a terrible score, it is significantly lower than was previously reported to me and probably affected the loan rate that I received when I purchased my car. In fact, XXXX offered me a terrible loan. I received a loan rate through the car dealership that was not what I thought it should be, but I was able to negotiate it down a bit before completing the deal. 

When I contacted Equifax and XXXX XXXX, they both stated that there are numerous credit scores that are generated and shared, but neither business could explain the XXXX point discrepancy. XXXX XXXX blamed Equifax. If a person 's credit score is generally dramatically different than is reported to them, what good is receiving a score in the first place? It is used by both XXXX and XXXX XXXX to make the customer ( me ) believe that the credit card or loan that they are offering is based on better credit than is actually the case. That is blatantly fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid a check in the amount of {$25000.00}, to XXXX XXXX XXXX  on XX/XX/XXXX, for crediting into our mortgage holder account. The XXXX XXXX XXXX  goofed and credited in one of their own account. We kept looking in our monthly mortgage statement and never received credit for this amount until we refinanced our mortgage on XX/XX/XXXX. 
The loan was paid off and the mortgage company did not give us the credit. 

We complained at the XXXX XXXX XXXX last year and they kept stalling and stated a specialist is going to look on and resolve the issue. On XX/XX/XXXX XXXX XXXX found the payment and that was deposited into the mortgage holder account. But, as of this date, she has not furnished any proof so that we can claim our money.

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