BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: Experian Information Solutions 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: Problem getting your free annual credit report

Complaint:
I have 2 PROBLEMS with EXPERIAN that are ONGOING and EXPERIAN refuses to FIX THE PROBLEM AFTER NUMEROUS attempts. 

1. With the Pandemic Free Annual Credit report allows you to get a copy of your credit report weekly. EXPERIAN REFUSES TO ALLOW this and has my account targeted since contacting the CEO years ago. I want my file RELEASED FROM THIS SPECAL DEPARTMENT and the ABILITY TO VIEW MY CREDIT AND MAKE DISPUTES ONLINE. 
THIS IS RETALATION ON THE PART OF CONTACTING CEO XXXX XXXX. I'm being discriminated against and treated differently than every other person. 

2. I CAN NOT file a dispute online for the same reasons stated above. My file is in some secret department, with incompetent reps who have lied to me. I want my file released from this department TODAY. Whenever I want to file a dispute, I have to call in. When I call the number provided, they have to transfer me to another secret department when I'm on endless hold with incompetent reps. THIS WILL TURN INTO A LEGAL MATTER IF I CAN'T DISPUTE THE WRONG INFORMATION ON MY CREDIT REPORT ONLINE WITHOUT THE AID OF A HUMAN BEING, AND IF I CAN'T GET A COPY OF MY CREDIT REPORT WEEKLY LIKE EVER OTHER HUMAN BEING IN THE UNITED STATES OF AMERICAN. I WILL NOT ACCEPT A FORM LETTER REPLY AND WILL TAKE LEGAL ACTION IF THIS SCAM IS NOT LIFTED TODAY.

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 2023-10-12
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$11000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: Bread Financial Holdings, Inc.
State: CT
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:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My escrow account monthly payment has increased over {$120.00} in a 2 year span. I 'm in the mortgage industry so I 'm not confused, however Nationstar Mortgage is. They are an extremely poor servicer. They 're excellent at obnoxios/unnessary harassment of very good accounts but other than that they are pariahs. Long story short they have butchered my annual escrow analysis ( again ) and now are mandating that I pay an additional {$70.00} a month this year in addition to the {$50.00} increase last year. Yes my taxes have increased moderately but my payment now should be worst case {$900.00} a month and it is now, due to their incompetence, {$980.00} a month starting next month. Contacting them is a total waste of time so I 've resorted to complaining to the CFPB. Again they are excellent at actually reminding you of payment due 10 days in the future but other than that they are a liability as a mortgage servicer to the industry ... .and they do n't give a XXXX. I would like to force them to make an appropriate escrow analysis and correct their foul up.. Ultimately I 'd love to see them barred as a servicing candidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the experian. the issue was not resolved.

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 2022-08-18
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: Was not notified of investigation status or results

Complaint:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX XXXX and I took out a flex loan with Advance Financial and the agreement said to resolve disputes about their 279 % line of credit would solved through arbitration, and now I am being sued by a debt collector attorney would just sent me a print out of the amounts paid by no running balance and the company took the write off amount ( for business loss in taxes ), added fees that I didnt know about and after paying thousands of dollars already for a line of credit of {$4000.00}, they say I still owe over {$5400.00}. This seems like predatory lending, at best. When I requested information from their attorney, I wasnt given answers that a consumer could easily understand. And repeated attempts to contact them resulted in failure. This is the definition of predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Self Financial Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have an account with SELF FINANCIAL INCXXXX XXXX  with the Account # XXXX. This account inaccurately reported late payments from my credit report in XXXX, XXXX and XXXX. I never received a mailed statement where it indicates I was overdue. If I received a mailed statement I would probably make a payment immediately. This creditor violated 15 USC 1666B this is a billing error and paid as agreed on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Nelnet, Inc.
State: MD
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:
I have included in this complaint a photocopy of the account in question. NelNet  is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
CAP ONE NA pulled my credit in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX without my permission or knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: MI
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  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX # 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 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 explanation
Consumer complaint received 2021-07-12
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have in my possession a Deposit Certificate with an automatic renewal provision for {$10000.00} not including interest from Wells Fargo Bank ( WFB ) and they refuse to accept it. At first they said it was escheated to the State of California. I have since proved they did not. Now they say they have no records of the investment because the account was closed due to inactivity/dormancy. The document does NOT have a statement that it becomes invalid after a period of time but does have an Automatic Renewal Provision. Since the document has an item number that is 13 digits long and WFB is computerized, I find it a very weak argument that they can not find it. 
WFB took {$10000.00} and promised to give it back with interest upon demand. They are now saying they are going to keep it. This is wrong. 
There is a case number assigned and a reference number assigned. We have exchanged several e-mails but their stance appears to be that they do not keep old records so they refuse to honor the Deposit Certificate. 
Deposit Certificate Number : XXXX XXXX Number : XXXX Case ID : 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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
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 non-monetary relief
Consumer complaint received 2017-03-06
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted nationstar mortgage regarding mortgage documentation and they have advised me that XXXX can provide me with documentation related to my property and its mortgage. copies of the Corporation Assignment of Deed of Trust and the origination of the Deed of Trust and Promissory Note as well as the Assignment of Deed of Trust. I would like to see all documentation related to this property and its mortgage from XXXX through XXXX. Upon Contacting XXXX for this documentation, they are now referring me back to Nationstar mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: DISCOVER BANK
State: PA
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 notice to DISCOVER to OPT OUT of credit reporting as the CFPB published an article that stated, credit reporting is optional. I have a right to privacy and my privacy is my constitutional right as established in Griswold v. Connecticut ( 1965 ). The Supreme Court ruled that the right to privacy is a constitutional right. I informed DISCOVER that I want to opt out of the sharing of my personal private account and financial information to third parties XXXX, XXXX, and XXXX. These corporations are not affiliated with DISCOVER. Additionally, when I submitted an application for the above mentioned account, that application was my security collateral which funded this account. The balance is in a positive amount which indicates a credit that is due to my principals account. Thus, this account has been falsely reported as past due. This is defaming my character and causing me and my family tremendous harm. 
( account ending XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: EQUIFAX, INC.
State: MI
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:
This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Failure to provide me with a breakdown of penalty fees and non standard charges that are being assessed to my account. It has been requested multiple times and not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: T.S. Holdings
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:
Back in XXXX reached out to company showing up on my 3 credit reports they could not verify any personal info about me such as social or I.D or any Wet Signature Contract with my signature or name I requested several times and still no proof to validate this account belong to me also the credit reporting XXXX, XXXX  or XXXX  could not provide any proof after asking several times to show me proof according to my rights. No Contract with any information or any Contract with my signature showing Validation of the account. 

I have attached the info that was sent to me as you can see my name is no where, there's No Signature, No Contract with my dob, social or any info regarding me. 

____________________ 2nd complaint with XXXX XXXX XXXX XXXX XXXX Apartments can not verify or show proof that this account belongs to me. Please Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: ECMC GROUP, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have two outstanding student loans with ECMC with a balance that total {$11000.00} during the covid pause ECMC refused to pause the interest rate and in fact kept calling to pay payments on the student loans. I am also XXXX  and a veteran and ECMC still attempted to collect on the loans while in the covid pause was in place. On XX/XX/XXXX, I received a notice from ECMC that I can request a refund of any monies that was paid to ECMC during the pause but they refuse to refund those monies of {$4000.00}. ECMC still refuses to pause the interest rate on the loans.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2023-02-23
Company: EQUIFAX, INC.
State: NV
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:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: STATE FARM BANK, FSB
State: MN
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had a credit card account with State Farm. In XXXX of XXXX I paid off the amount that was due in full. I then phoned them to close my account and to confirm that I did not owe any more money. At no time did they advise me to get a pay off amount or to check back with them about possible further charges. I requested and received a letter saying that my account was closed. I heard no more from them, received no letters, emails or calls until today ( XX/XX/XXXX, 3 months after closing the account ), when I was phoned saying that I owed residual interest for 3 months! I kept asking to talk to someone higher up. Finally I got to speak to an individual named XXXX, who said that they would review the situation. When I said that I thought it was outrageous that at the time of closing my account and paying the balance in full, I was not advised that there might be further charges and I was not contacted for 3 months in any way while those charges accrued, XXXX proceeded to interrupt me and not let me speak. When I asked her to not to be so rude and let me finish my thought, she hung up on me. Not only do I believe I 've been scammed, but they were also rude to me about it! In a nutshell, should n't credit card companies inform you that you may accrue extra interest charges when you close your account and pay in full and secondly that they should contact you, at least monthly, to inform you that you owe them money, and not wait 3 months while interest accrues.

Company response to consumer: Closed with monetary relief