BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Paramount Recovery Systems, L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Complaint is in reference to FCRA Section 623 ( a ) ( 1 ) ( C ) & CA Civ Code 1785.25 ( 2022 ) Proof of Inaccurate and Misleading Credit Reporting From One 3rd party Collection Agency reported as an Original Creditor of which they aren't, Paramount Recovery Systems acquired the XXXX XXXX account from XXXX XXXX XXXX XXXX XXXX After which Paramount Recovery deliberately and knowing Posted inaccurate Information to my Credit file, Please review the attachments as proof of the of this FCRA Violation, A 609 Letter has been generated to be sent by mail in regard this to matter to PARAMOUNT RECOVERY SYSTEMS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions 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:
To Whomever This May Be Concerned : My name is XXXX XXXX XXXX. I have submitted a complaint before, but nothing has happened. First and foremost, this is not a credit repair agency. I am submitting a complaint on my behalf. No one else is doing so. XXXX, Experian, and XXXX have allowed an account, that I have never received notification on to be reported to my credit file that is fraudulent. This creditor whom I have never dealt with, has reported a fraudulent account to my report. I have fraud alerts and credit freezes all over my credit. I am not pleased with this and I have reached out to an attorney to sue these bureaus because they continue to allow fraudulent information to reported to my file. The creditors name is XXXX XXXX XXXX for XXXX. I have submitted numerous police reports, affidavits, and the list has gone on. Not to mention the numerous inquiries on my credit that I have repeatedly asked to be removed and they are still reflecting on my 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 2023-12-18
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I spoke with a member of Mr. Cooper regarding some inconsistencies in mortgage payment information being reported to the consumer credit unions. I was told not to worry, that the mortgage was current, and that they would look into what the cause of the mis-reporting to XXXX & XXXX XXXX Less than 2 week later, news of a massive cyber attack and customer information breach was released by Mr. Cooper. I called back on XX/XX/XXXX ( today ), to get more information and was told multiple inconsistent facts ( the phone call is recorded - both by me- and I informed the customer service rep that I would be recording- and by Mr. Cooper ). The agent told me no banking information was stolen & then backtracked when I read her the article saying the exact opposite - that Mr. Cooper had a data breach and the personal information, SSN, and banking information was stolen for almost XXXX XXXX customers. The Mr. Cooper representative then said that she really didn't know anything & had no way of knowing if my account & information were amongst those exposed.

I am tired of the banking & financial institution industries being allowed to sell mortgages anytime they want to other banks & financial institutions which DO NOT meet the security and diligence requirements that customers should be allowed to demand as those are researched and compared when I initially applied for and signed for my mortgage with a different bank. The customer has zero control what happens to their personal information after the banks start trading mortgages to make their books look temporarily better in time for paying out bonuses, etc. 

I'd like to file a complaint against Mr. Cooper for buying my information without my consent & then losing that information through faulty cyber & physical security measures, which all customers should be allowed to vet prior to their mortgage being sold. I plan to file a lawsuit against Mr. Cooper in civil court as well with the hope of pursuing class action status. 

If my personal information was compromised, 2 years of credit monitoring does not do anything to help with the hours of clean-up and remediation required to fix what Mr. Cooper failed to protect. I will continue to pursue this until the matter is closed to my satisfaction. 

I did previously file a complaint against XXXX XXXX for failing to provide the XXXX notice required when selling mortgages in XXXX- mostly on account of the poor reputation of Mr. Cooper- which of course, I had no choice over. Customers personal information can be moved from bank to bank to bank without the customer having any voice. My only option is to refinance with a different financial institution at my own expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I want to be on the XXXX plan. Nelnet will not put me on the XXXX plan. My XXXX XXXX application was successfully submitted on XX/XX/2023 according to studentaid.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: OH
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 have on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

accounts to delete 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been disputing for 3 months and this company has broken several FCRA violations. This company has sent STALL LETTER AFTER STALL LETTER! Instead of addressing the actual problem which is another FCRA violation. I will be filing an additional compliant with the XXXX  and AG! 

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I believe I am owed monetary damages for the emotional distress this has caused. I have been getting denied left and right because of this companies FAILURE TO DO THEIR JOBS! 

XXXX XXXX - XXXX IS THE ACCOUNT I AM REFERENCING

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 2022-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
Capital One Acct # XXXX Date of late payment ( XX/XX/2019 ) I also respectfully request to be provided proof of this alleged item, specifically proof that this payment was in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) I have my account on automatic payment so I dont understand how that I was late. If you investigate my payment history, you will see that prior or after alleged late payment in XX/XX/2019, I have never been late paying required amount of bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
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 was recently denied credit and other things from company 's because the misuse of my credit report and for them not disclosing my rights for certain actions and taking actions without my consent I sent my letter t o fix the problem on XX/XX/2023 they have committed fraud and for that I couldn't get the securities I needed for me and my family that caused a great affect in my life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There has been an improper use of my credit report which shows some addresses and employer that I am not associated with. I do not have anything to do with the following addresses, irregular report of my personal information violated my consumer rights has none of this addresses are associate with me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXXXXXX 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 2021-11-11
Company: EQUIFAX, INC.
State: NV
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:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The EQUIFAX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1. XXXX XXXX XXXX XXXX Inquiry DateXX/XX/2020 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
My vehicle was recently repossessed on XXXX My lender Santander has done a sub par job at allowing me to reconcile the account in hopes to refinance with a new lender. I was given a date in which my vehicle would be sold in auction which was XXXX I was told by Santander that I had the option to refinance with a new bank before the car was sold in auction but when I went to refinance my car with new lenders, we were told my account with Santander was closed and reported to the credit bureau. I reached out to Santander alerting them of this issue and how it contradicts what they previously told me. Santander charged off the account after telling me I had until the car was sold in auction. Because my loan was a secured loan that is negligence on their end. I was never given a chance to reconcile my account with them. After telling them this, they then issued me another date that the car would be sold in auction. Which is XXXX   This doesnt help my case at all because they are unwilling to remove the charge off that they prematurely put going against the rules of a secure loan. Ive been stalled, ignored, and passed along by Santander through this process. The issue lies with Santander prematurely charging off my account. Leaving me no chance at refinancing with a new lender. Ive exhausted all options with them and feel like they have taken advantage of the fact that this is my first time dealing with this issue and having a car. This is a time sensitive Matter and Santander has left me with no other choice!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am in a position to file for a Chapter 7 bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a business that bank with Truist bank. Unfortunately, there was an incident where my check was stolen from the mail and was washed. As of result, XXXX XXXX XXXX XXXX XXXX dollars ( {$4900.00} ) was taken out WITHOUT my authorization to an UNAUTHORIZED personal. Ive been waiting for over 2 months but I still have not received the money back. The business name is XXXX XXXX XXXX XXXXXXXX. This is a business checking account with Truist Bank. Truist bank did responded stating that they are trying to retrieve the money from the financial institution that deposited the money. I notified Truist of the fraud within 10 days of receiving my bank statements. Please help me retrieve the funds. I should not be held liable for an unauthorized transaction.

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 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2023 I sent out a letter to TransUnion challenging the inaccuracies on my report. TransUnion sent me a letter stating that I was not the one submitting the disputes which I felt like a tactic to prolong this issue. I read that they have 30 days to reply to my dispute. This is bad business for their company and I am now frustrated. TransUnion is in violation of reporting one account with multiple unverifiable information. I have the proof attached. You will see that all three bureaus have the same account but all reporting different information. This is wrong and I know they are not supposed to do this. All information should be the same. There are multiple accounts that need to be reinvestigated immediately and I look forward to the cfpb helping me resolve this issue with this creditor. And if indeed these accounts are verified, I need the verifiable proof. Thank you for your time in this 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 non-monetary relief
Consumer complaint received 2019-01-09
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
Went to go get a student loan as I am a current XXXX XXXX in college and I was denied due to adverse information on my credit report. 

Knowing this should not have been the correct information I reviewed my credit report and had seen these accounts by Citicards NA and XXXX XXXX. 

I have contacted the office of the Attorney Generals office of CA XXXX XXXX, which I filed a theft report with along with the Federal Trade Commission and the XXXX XXXX Police Department. 


I certified with all 3 Federal and State Agencys that under the law or Perjury I certify all is true and correct, I am the victim of fraud that took place with CitiCards NA & XXXX XXXX. 


Also I have contacted XXXX XXXX of the XXXX XXXX to help me in the event that I need to file paperwork with the XXXX County Court. 


I have supplied CITICARD & Citibank with all the necessary requirements under the FCRA 2009 ( a ) to have this removed under the basis of fraud. I have satisfied all the necessary filings with state and federal law enforcement agencys and am asking Citicard to cease and desist ALL reporting of this account that was fraudulently obtained in my name. 

Any previous verification was fraudulent, also I have contacted 8 banks on XXXX  to notify them of fraudulent checking accounts in my name as well which can explain any payments made in my name, I have reported this to the FBI as it is stealing from FDIC. 


I will once more state that this account can not be transferred, sold, or be collected on under the FDCPA 2009 as the proper authorities have been notified. FCRA 603 ( q ) ( 4 ) The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. " This is creditor negligence as outlined in the FDCPA as Citi has been notified with all the necessary paperwork.

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 2022-08-11
Company: CarMax, Inc.
State: OR
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:
While XXXX in the XXXX XXXX XXXX XXXX XXXX  XXXX as an XXXX XXXX my vehicle was in storage on XXXX XXXX in Florida. XXXXXXXX XXXX XXXXXXXX XXXX who at the time had a contract to perform wrecker services at XXXX XXXX went onto the XXXX  and stole my vehicle from the XXXX  's storage lot. 

UNITED STATES DISTRICT COURT NORTHERN DISTRICT OF FLORIDA PENSACOLA DIVISION  Case No. : 3:16-cv-00713-MCR-CJK DANIEL ENSLEY, Plaintiff XXXX v. 
GENES WRECKER SERVICE, INC., Defendant. 

This case was processed under the Service Members Civil Relief Act ( SCRA ) and the plaintiff ( myself ) won the case ( Vehicle was stolen in XXXX and amended final judgement entered on XX/XX/XXXX ). XXXX XXXX XXXX XXXX closed their business to avoid paying out the court ordered judgement and to avoid being held accountable to Carmax as it related to them acquiring the vehicle and hiding this from Carmax by requesting a new title for the vehicle. Both myself and my legal representation informed Carmax of the case as it progressed and Carmax made no reasonable effort to aid or to do their own due diligence to protect their investment and their vehicle, by their own laziness and ineptitude they pinned the loss of the vehicle on me and " washed their hands of it '' to avoid the effort that would have been required for them to protect their vehicle and their consumer. 

This case can be found with an online search of the case number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other XXXX  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 XXXX and Under XXXX XXXXXXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation