BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, I spoke with an Experian customer service agent who stated that I needed to speak with a supervisor about my information request. Upon learning that a supervisor was not available at that time, my only option was to request a supervisor call back. I received an email confirming that a supervisor would return my call ; however, as of XX/XX/2023, I have received no call from any supervisor with Experian. This matter is ongoing and remains unresolved even after nearly two years.

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 2021-03-17
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Amerihome lost a payment that was wired to them from XXXX XXXX XXXX, and are not properly investigating the issue. My XX/XX/2021 mortgage payment was made on XX/XX/XXXX, for the amount of {$1200.00} to my previous service provider, XXXX XXXX XXXX XXXX XXXX. {$1100.00} would have gone to my monthly due, with an additional {$100.00} made to principal. The confirmation number for the payment was XXXX. My mortgage was transferred to Amerihome Mortgage Company , LLC from XXXX XXXX XXXX XXXX XXXX on XX/XX/2021. They made a wire transfer to Amerihome on the same day for that amount, under my previous loan number. Amerihome has failed to resolve this issue over numerous phone calls made. My current balance with Amerihome is inaccurate, and my account is erroneously listed as past due and needs to be adjusted to reflect the correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
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:
Today, I am writing this complaint to JPMCB AUTO regarding the incorrect information on my account. I sent them a letter requesting for investigation of those account mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report. payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that this item was verified by the creditor however there is nothing notated on my credit reports that this item was ever disputed. That is a violation and this item needs to be deleted.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-10-04
Company: PLS GROUP, INC
State: NC
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Here i.deposited money only on this card account of XXXX card, at pls checking and card was stolen and used with pin number on back was used and unauthorized transactions I didn't make. I deposited XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company communicating payment assistance or payment extension options

Complaint:
My car was repo on Thursday from my job I had not received notice that US Auto had sold my info to Westlake Portfolio no one has sent me a letter or even call me. But still u can come on my job and take a car on Private property and not contact the owner about working out a discussion to clear this mess. Right now either I do a XXXX XXXX  or try to sue or buy another one. How hard is it to call or drop a letter I have not heard from a soul what can.I do. Please give so kind of insight here XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Ive tried to change the date of payment for my parent plus loan several times. I called 5 times and have emailed four times and have not gotten through to anyone. Its created excessive financial burden on me and my family because this terrible loan servicer has zero customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Longbridge Financial, LLC
State: OR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in the application process, I was told I was required to pay for an appraisal and the counceling Longbridge staed they would need to collect XXXX and they did. In an eamiled I asked if there were any other fess XXXX XXXX the represanative stated no. After the appraisal was complete the compay wanted me to pay money to get the loan I was not interested so I inguired at a nother company XXXX XXXX XXXX I am currently in the loan process with them whne I asked to have my appraisal I was told I needed to pay another XXXX which I was unaware of I had already paid the approaisal fee, but in order for me to get the appraisal I had to pay the fee, when I called XXXX XXXX I stated my dis satisfaction in his lack of disclosure he was very indifferent about the " lie '' he stated it would have to be handled by a different department and they would contact me which they did and I was foreced to pay the fee to get my appraisal. He also whiched me good luch and stated that I was cute I am assuming that was based on my XXXX picture because we have never met. As a grown women I find this comment to be extremley offensive and his contact to be sneaky and deceptive. I am hoping you can help with this issue. I do not feel I should have to pay the extra {$370.00} for my appraisal. I have the emails as documentation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: OH
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:
This is a general complaint on how credit reporting works. I understand if I have a 30, 60, 90, 120 day late and charge-off with a creditor that my credit should be effected in a negative manner. I can even understand my credit being impacted by selling to ONE collection agency. It seems very unfair however, that every time the debt is sold to a different collection agency my credit scored go down. If I was unable to pay the debt to the original creditor I am not going to be able to pay with all the new collection charges. My credit will NEVER recover. This takes money out of the economy. People are unable to get mortgages, cars or any other credit because of the numerous reporting of a single account. The scoring needs to change. Score the original debt and even the first collection but after that the debt should stop affecting your credit. Let them collect and go through the court process. Seems like people don't get due process on debts. A {$500.00} debt can become a lifetime anchor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
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:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. Dept of ED/XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  These accounts have violated my rights. 

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

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 or crimes which antedates the report by more than 7 years.

15 USC 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 2021-09-13
Company: Mr. Cooper Group Inc.
State: CA
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:
Regarding my last payment on a mortgage loan with Mr Cooper/Nationstar mortgage. I requested a payoff of the loan as it was supposed to be the last payment. The mortgage mailed me the payoff which I received XX/XX/2021, but the payoff was due XX/XX/2021 in that letter. I wire transferred the fund to the mortgage company twice and the loan was paid XX/XX/2021. The mortgage recorded a late payment for XX/XX/2021 on my credit report. They need to remove the late payment of XX/XX/2021 from my credit reports. I wrote them 3 times disputing the late payment status, I called them 5 times, I disputed it through the credit bureaus are well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: NAVY FEDERAL CREDIT UNION
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: Their investigation did not fix an error on your report

Complaint:
It looks like NFCU is up to its old tricks and didn't learn their lesson back in XXXX when they were fined {$28.00} XXXX for deceptive debt collecting practices because as of XX/XX/XXXX, NFCU randomly closed my account ( XXXX ) and illegally froze all funds and my access without any warning. My debit card, ATM usage and online account functions were blocked and inaccessible without adequate notice. 

On XX/XX/XXXX, NFCU mailed a letter to me that states they have no alternative but to recommend [ Account # XXXX ] for legal action. based on a delinquent account. The letter also implied that I will find it difficult, if not impossible, to obtain additional credit because of my present unsatisfactory credit rating. NFCU did not analyze my credit situation before sending me the letter. This is in Violation of Section 1036 ( a ) ( 1 ) ( B ) of the CFPA, that prohibits unfair, deceptive, or abusive acts or practices. 

The injuries I have sustained were not reasonably avoidable because NFCU 's policies and practices regarding electronic access and service restrictions were never adequately disclosed to me when I opened my deposit accounts, credit accounts, or before I became delinquent on a credit account. NFCU 's electronic account access restriction activities, constitute unfair acts or practices in violation of sections 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA, 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( 1 ) ( B ).

On January 1, 2023, NFCU failed to cease and desist all forms of communication, reporting these inaccuracies on my credit report. This is in Violation of 15 usc 1692 ( c ).

Lastly, both the CRA 's and Creditors did not have permissible pursuant to 15 US Code 1681b : a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have contacted the Attorney General 's Office, XXXX and the CFPB TWICE and nothing has changed. 

The {$28.00} XXXX was just a slap on the wrist for NFCU. I highly recommend that they learn a lesson by way of stiffer penalties and fines. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as NFCU willfully violated its obligations under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: LEXISNEXIS
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXX XXXX {$1800.00} XX/XX/XXXX XXXX XXXX {$96.00} XX/XX/XXXX XXXX XXXX {$480.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$16000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I am opening this complaint against Block Inc. They replied to the last complaint stating that they could not identify me as the account holder and that they could not disclose any information. For me to reach out to them via the Cash App support. They know that Cash App Support will not assist and that those employees dont have the tools to assist and resolve my claim. Furthermore ; I do not feel comfortable communicating with Cash App without there being some sort of documented reference with a government entity that can track what Block Inc, Cash App is taking me through. 

Block Inc stated in their response that they could not identify me as the account holder. I can clear that up right here and now so that that excuse cant be used any longer and so that they cant keep procrastinating because theyve stolen my money. I have also provided every email directly from XXXX explaining that the funds had been refunded on XX/XX/2023 in the amount of {$460.00} yet Cash App has failed to add those refunded amounts from XXXX back to my balance. 

Thanks, XXXX XXXX Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Email : XXXX Old email address : XXXX Cash Tag : XXXX XXXXXXXX Attached : Drivers License Bank Statement for linked back attached to cash app account. 

Photos of my account details. 

Original Complaint Emails from the merchant XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Resurgent Capital Services L.P.
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 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