BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
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:
credit acceptance will not verify any information they are reporting on my credit report i have filed several disputes yet this negative reporting still continues without cause

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 2023-04-21
Company: EQUIFAX, INC.
State: NY
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:
My name is 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and 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

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 2020-04-15
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I took out a @ {$9700.00} student loan for my wife 's education in XXXX. In XXXX I entered into chapter XXXX. Navient, the private student loan servicer, did not respond to the bankruptcy courts request for debtors. Having not responded, Navient was not included in the repayment ( 100 % ). In XXXX I cleared bankruptcy. In the Spring of XXXX, my wife called Navient to start making payments and ensure I was removed from the loan. At that time, she was under the assumption she was the primary on the loan and did see a Navient student loan on her credit report at that time. She then began making payments. Those payments still showed on my credit report so it appeared all was well. In XX/XX/XXXX, I recieved a notice from Navient saying I was in default, and had not made a payment since XXXX. They also said the loan amount was over {$20000.00} at that time and I was the only person listed on the loan as the student. 
I asked for paperwork to prove the amount and that I was financially responsible and copies of the " notes about bankruptcy '' which the CSR told me existed. They did not send ANY paperwork until XXXX after me repeatedly requesting every piece of paper. In XXXX, I recieved only a copy of the original @ {$9700.00} loan and nothing further. I have since requested the remainder of the Information to no avail. I am NOT going to just pay {$24000.00} without proof of responsibility. Furthermore, I was not given any payment options in XX/XX/XXXX other than pay the balance. I need this documentation to see how to proceed. They have listed this debt as a charge off even though I told them I was in fact considered permanently XXXX back in XXXX as well as a Veteran. 
I read the CFPB complaint against Navient and many parts of my case sound similar. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of 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 2023-12-04
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I sent an email to PNC advocate over a week ago asking what was I supposed to do with the current modification offer due on XX/XX/XXXX  in the meantime while I wait to hear from them by XX/XX/. I requested for a more affordable mod. According to HUD.Gov PNC is supposed to offer homeowners affordable monthly payments by either reducing the P & I to prevent default on monthly payments. PNC continues to offer high-interest-rate loans that are not affordable. Their last offer, which I did not request a mod of monthly payments for {$2000.00}. I want my loan to go back in its original state to where I was paying {$1300.00} per month, which is more affordable since I now have job to cover my monthly expenses. I want my payments reduce and I need answers as to what am I supposed to do with this loss mitigation offer that is due by XX/XX/?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: OK
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 these accounts has violated my rights. 
-XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 -XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 These accounts are not accurate and please remove them 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't furnish a account without my written consent.

15 U.S. Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report Reinvestigate the completeness of every piece of information

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 2020-04-15
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

EDFINANCIAL XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX  XXXX {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX does not follow The Truth In Lending Laws 15 usc 1601. I feel like my privacy as a consumer has been breached. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX XXXX XXXX XXXX . They are wrongfully trying to benefit from my credit card that I used to initiate a consumer credit transaction with a finance charge involved. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved 15 usc 1605. When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I dispusted the debt and aske how was it valid and verified, they never told me who the name an address of the original creditor is pursuant 15 usc 1692g ( 5 ) ( b ). This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I want them to do right by me as a consumer by federal law, as well as the credit bureaus.

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 2020-06-03
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had to leave my apartment 2 weeks before the lease expired. I spoke with the manager XXXX XXXX who asked to see the XXXX and the XXXX communication. When that was provided. I went to the office and she stated that long as I was out by XX/XX/2019 there would be no charges against me and that my daughter would need to drop off the keys and amenity band. We also did that. She even suggested how I should stage the apartment to get out. Now a year later the debt is in my credit and when you call the complex the management company is no longer and they send you on a wild goose chase. I dont owe any money to this apartment as they kept many items of mine including a brand new washer and dryer and queen size bed. My rent was only {$1000.00}. How they are trying to collect {$3600.00} I have no idea.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent this letter to PORTFOLIO RECOVERY ASSOCIATES. They are in violation of 15 USC 6802-6805 and the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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 read over my credit report and found that some of the data were incorrect. These items must be verified by the Experian and XXXX Credit Bureaus in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not permitted to disregard these reporting items as unverified information without offering any justification within the legally permitted time frame. My credit report lists the following items that require investigation and correction for inaccurate reporting in my file : 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 2020-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF EDXXXX XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I sent a letter to Transunion disputing the inaccurate bankruptcies reporting on my credit report. Transunion responded saying that they were verified. I find it weird because I reached out to the XXXX  courts to get more information on how they verified with the credit bureaus because it is inaccurate. The court clerk sent me a letter stating they haven't verified anything with the credit bureaus. 

So clearly Transunion never conducted a proper investigation and did not get their information from the courts this explains why it is inaccurate. 

Transunion has still failed to delete the inaccurate bankruptcies.

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 2020-04-15
Company: EQUIFAX, INC.
State: NJ
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 have been locked out of my online retirement accounts with XXXX XXXX. I called to get an access code, was put on hold a very long time and then told to answer a lot of information that was irrelevant to me. First I was asked about cars I may have rented at any point in any number of decades. I travel often and it is absurd to expect me to remember what cars I may have rented for 10, 20. 30 or  so years. Next I was asked about " my brother, XXXX XXXX '' who, I was told, was showing up on my credit report. Nothing like this should be on my credit report. To protect my own credit report and privacy, I should not be required to comment, confirm or deny, anything about any alleged brother ; if such a brother existed, neither should I even be asked about him, to protect his own privacy, credit report, etc., if I had a brother with this name. I argued with XXXX XXXX about the crapp it requires people to answer in order to allow them to get into their own accounts. They ignored me. Eventually, I hung up. 

The CFPB needs to get serious about protecting people 's privacy, instead of violating it for reasons such as this. 

It also needs to sanction XXXX XXXX for locking me out of my account because I don't know what garbage it wants to cram down my throat on any particular occasion. Why are consumers bearing the bulk of business risks for the likes of XXXX XXXX and others?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am selling my house. I applied for assistance under the HAMP Govt assistance program. Nationstar ( d/b/a ) Mr. Cooper accepted my application through NACA. One of the companies hired by the Govt to  calculate the numbers and provide details of the program. Mr. Cooper transferred {$260000.00} from XXXX XXXX XXXX which was the unpaid principal balance of the account. I was less than {$18000.00} in arrears at the time. Mr. Cooper recorded {$280000.00}. I assumed without explanation this was the amount in arrears. They then added another {$18000.00} to my account. which is now {$290000.00}. they then added {$100000.00} to the account. I brought this to the attention of the coordinator, she said that the {$100000.00} was because I had a bankruptcy filing and that was a Lender Paid Expense. I tried to explain that I have never had a Bankruptcy filing in my life. She said that if there an error in reporting it would be corrected and I should sign the agreement as this project had a deadline. so I signed it. under the guidelines of the HAMP program the {$100000.00} should have been subtracted from the transferred amount of {$260000.00} and the difference of {$150000.00} should have been the amount that my payments were based on. they did not subtract it but added to the current UPB of {$260000.00} as payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: RENASANT CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2023 I was contacted by Renasant Bank 's fraud department regarding an attempt on my account via an ATM machine at a XXXX XXXX XXXXXXXX in XXXX, GA. I denied this attempt, as I reside in XXXX, TN. I was working in XXXX and had no way of making that attempt. My card was supposedly frozen and I was to pick up a new card ASAP, but with this all having happened later in the day I had to get this the next day. XX/XX/2023 I was notified once again that an attempt was being made on my account and denied it as well. Somehow the dispute department claims I verified this attempt that amounted up to {$460.00} between multiple withdrawals and charges. I later find while appealing this that it was my OLD card which was used that was supposed to had been flagged and frozen. All of these attempts also were made at the same ATM at the same XXXX XXXX XXXXXXXX yet somehow this all has been tossed to the side evidently. I was not and have never been to XXXX, GA and this loss of money has tremendously made things difficult while dealing with job loss and other difficulties. The bank continues to put this off and refuses to give updates after I have filed a police report and everything else. The police have also been just as worthless in this whole matter.

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 2023-09-04
Company: CREDIT ACCEPTANCE CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
In the attempt to live my life and expand my businesses I am attempting to apply for mortgages, car loans, business credit cards and personal credit cards but I keep getting met with the same question when denied ; Have you been married before?, in association with a car loan on my credit. I reached out to the company reporting the debt XX/XX/XXXX to ask for it to be removed, as well as a copy of the original contracts and verifications along with the permission to report the debt on my behalf. 

The company responded XX/XX/XXXX with copies of the electronic contract and a declaration page that did not include a wet signature. The response also included a statement that they would continue to collect the debt even after being asked not to. I have not entered into a joint agreement with anyone as I am a single person and have always been.

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 monetary relief
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: LA
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'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 for 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 explanation