BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-01
Company: EQUIFAX, INC.
State: NC
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:
These inquiries do not belong to me XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX address do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX, I received services at a medical provider, but I wasn't able to pay my bill because I am low-income. I had applied for financial aid from the medical provider, but couldn't receive approval for financial assistance because I couldn't provide proof of address, due to living with family. As a result in XX/XX/XXXX, my medical debt was assigned to a debt collector, Professional Finance Company. The debt collector never made any attempt to contact me before putting this on my credit report like they are supposed to, before this was placed on my report, I should have received a letter stating that the debt has been assigned to their company, and informing me of my rights. Towards the end of XX/XX/XXXX, I sent a letter to the debt collection agency asking for debt validation letter. It will probably take 30-45 days before I get anything back, but I am still going to file this complaint The original amounts of the services from the medical provider were {$1100.00} and {$700.00}. The debt collection company has been adding interest since it was assigned to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am signed up for auto-payments. I get the interest reduction for being signed up for this. However, sometimes, they just do not apply the auto-payment, and then they put derogatory marks on my credit report for missing a payment, and they allow interest to accrue, when in reality it was their mistake. They will likely also try to hit me with a late fee according to other people that have had the same problem, but as of yet I have not seen one. 
This months payment ( XXXX ) did not happen, and the reason I found out is because my credit monitoring app notified me of the negative mark. This is widely complained about online by other people and is unacceptable. 
I just manually made a payment that was much larger than the required amount, but the derogatory mark is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2022 I received a notification from XXXX a New collections account had been opened and it gave vague information besides the name of the company Radius Global Solutions for a total of {$1900.00}. About 4 days later it updated on XXXX to display who the debt was referred to them by also updated the dates to reflect XX/XX/XXXX opening date of the collections account in that time frame I didnt receive a phone call or a written notice regarding the debt which I learned by calling them on XX/XX/2022 to which I was transferred 4 times and ultimately had to call back again to get more information regarding this debt. 

RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2018-07-16
Company: SYNCHRONY FINANCIAL
State: GA
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 viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX XXXX I was never late 30, 60, or 90 days late in the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Im not sure when this happened or what could have happened. I believe that I had made my payments to your company when I received my statements. My only thought is that there is a billing error with my statements.

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 2023-11-06
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Mr. Cooper holds my mortgage. They were subject to a cyber attack and I have not had any communication from them about the status of my mortgage nor the safety of my personal data and information. I need the CFPB to put pressure on Mr. Cooper to explain the security of my data and the status of my mortgage and when I can expect them to withdraw my next payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Genesis FS Card Services, Inc.
State: NY
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:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached " personal information. Name reported. XXXX XXXX* Addresses Reported. XXXX XXXX XXXX. XXXX XXXX XXXX, N.Y XXXX Account. XXXX - MILESTONE  {$920.00}, 120 + DAYS LATE* XXXX XXXXXXXX XXXX 30 - 59 DAYS LATE* HARD INQUIRIES. XXXX XXXX XXXX  XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, 2021 Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not grant. XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act XXXX  XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Credit Plus Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2019 XX/XX/2019 I have reached out to all three credit bureaus and the inquire companies. All that has done nothing to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX account XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 2 : states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-26
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is not mine. I have never had an account with XXXX. I have had two seperate accounts that were not mine placed into collections with XXXX XXXX. The last one was for {$1300.00} and this one is for {$1300.00}. I am the victim of identity theft and I am not taking responsibility for these accounts. I have XXXX as my carrier. I have never been nor do I ever plan on becoming a customer with XXXX. Please find the people responsible for creating theze fraudulent accounts.My current phone number is ( XXXX ) XXXX. I may be reached here at anytime. Please update accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 need to be investigated and corrected 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 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 XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021

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 2023-11-12
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor, XXXX has violated my rights. Under 15 USC 1681 Section 602 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. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open in consumer credit plan as late for any purpose

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 2022-12-07
Company: Bread Financial 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:
15 USC 1681 section 602 states I Have the right to Privacy.

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

15 USC 1666B A Creditor may not treat a payment on a credit card account under an opened consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 need to be investigated and corrected 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 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 2023-07-18
Company: EQUIFAX, 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:
I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I never communicated with Capital One ( Auto Finance ) on XX/XX/2022, XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX or XXXX XXXX on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report, which I acquired from this credit bureau reporting organization and I noticed that this unauthorized inquiry had been made, I contacted the credit bureau, who placed the inquiry and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date, there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. Per the Fair Credit Reporting Act, I request you immediately investigate this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/2021 I made reservations for the XXXX XXXX XXXX XXXX as a XXXX XXXX member. I was dissatisfied with the room Accomodations that were given to me upon arrival, I made a complaint with the Manager XXXX XXXX /Housekeeping supervisor at that time and I disputed the amount of {$100.00} through my bank on XX/XX/2021 overcharged for the inconvenience with the room accommodations upon arrival to the room and the housekeeping services not done accurately on XX/XX/2021 they reclaimed the charge of {$100.00} back to my bank account. This was not right and they were made of aware of the issues at the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I were promised a {$1000.00} lender credit which we did not receive per the closing documents. They have tried to say that we got it in other ways which they have yet to prove. Such as a point buydown, it clearly states on our documents that we paid for that buydown. 

My husband and I have requested documents on which program they put us through because we believe that they one they are saying we are in we are over qualified for, AND that the one we are actually in might come back to bite us should we choose to do something different with our home in the future. 

We have asked several times now for proof and our complete file and have yet to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX  XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX. Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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. 15 U.S. Code 1681 to ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation