BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a RMA. The decision was in my favor however I disagree with the calculations. I asked to discuss this with underwriting and filed an appeal. I was denied access to underwriting and was told by a rep in the home retention dept that my appeal was denied. Denial reason was that underwriter calculation always uses a yearly wage calculated by hourly rate for a 40 hour week year round. I submitted verification of 5 temporary layoffs that are a standard work at my company. The underwriting dept refuses to use this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
American Express has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
1.I have never had an account with this company LVNV FUNDING LLC XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are LVNV FUNDING LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Experian Information Solutions 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:
I am writing this complaint because Experian hasn't honored my request to properly investigate and remove inaccurate info on my credit report. I placed a fraud alert with them on XX/XX/XXXX and mailed in my dispute info. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft. 
Please let me know if you need any other information from me to block this information from my credit 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 2023-04-30
Company: Experian Information Solutions Inc.
State: IL
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 reviewed my Consumer Reports and noticed that I had late payments on multiple accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX Please investigate and provide PROOF with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late.

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 2022-12-16
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: AL
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 notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX, XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report his and this was all done " Fraudulently.

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 2018-04-19
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
So I have read you story on CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. On XX/XX/XXXX I had a Disbursement of {$6700.00} I have taken forbearance a few times as I could not make the payments. Never was I told about income reduced payments. They set me on a payment system where I started out with smaller payments for months then ramp it up for some months then ramp it again. Only problem from XX/XX/XXXX thru XX/XX/XXXX I was only pay interest. From then toXX/XX/XXXX I started paying a little more but most months only {$10.00} was going to balance. As of today I still owe them {$2100.00} at 7.750 %. Sad as I was not told I would only start out paying just interest for years. As of date I have paid them {$10000.00}. and will pay the loan off inXX/XX/XXXX SO when done I will have paid back twice the amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Credit Karma, LLC
State: AZ
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XX/XX/XXXX. Received notification my credit score went up. Went to credit karma and offered XXXX guarantee if not approved. Denied. Received a hard hit inquiry which hurt my credit. 

Chatted with customer support who did not honor the guarantee and basically said it was up to the creditor. 

I wouldn't have applied if I was guaranteed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have no knowledge of this account, XXXX, ACCT # XXXX, but it is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. Therefore, this is in violation! According to 15 US Code 681s-2, 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 2019-11-20
Company: CITIBANK, N.A.
State: IL
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:
Citi Bank reported my credit information to the credit bureau 's and had an incorrect name. My personal credit information appeared on a report of someone that I do not know or have any relation to. I have contacted Citi Bank who responded in writing requesting that I supply them with the name, address and social security number with a credit report for them to correct the problem. When I informed them I don't have that information they said that there is nothing they can do and will continue reporting my personal financial information to that individuals account. They DO NOT protect your personal information which is a serious violation of ethics.

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 2021-06-16
Company: Experian Information Solutions Inc.
State: TN
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 informed the company that I did not apply for a loan of no sort and that I am a victim of identity theft. The company then assume that I gave permission over the phone for a nephew to cash a check or get the loan in my name. First of all, I am not going to give anyone permission to use my credit being a victim of identity theft and over the phone id definitely insane.

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and XXXX  continue to report a debt that is not mine. I have reached out to them previously and the account was deleted and now its back on my report. According to 18 USC 8 debt is the obligation of the United States. Furthermore under 15 USC 1681 ( a ) ( 4 ) a consumer has a right to privacy. Even if the account was accurate it shouldn't be furnished without my consent. 1681 ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: DISCOVER BANK
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: SC
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 called and let the collection agencies know they was violating my rights to privacy by putting the the accounts on my credit report without my permission. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: HYUNDAI CAPITAL AMERICA
State: OR
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
When returning the car at the end of the lease, we were told that a final turn-in payment is due - but could not be paid at the time ( I offered to pay it when we turned in the car but was not allowed ). We received the notice in the mail to pay the {$400.00} final bill, and we sent a check to them. 
Less than a month later, we get a call saying they did not receive payment. I tell them the check number and date sent. I offer to cancel the check and pay by debt card ( or any other method they choose ), and was told " let 's wait another week to see if we get it - we know the mail has been extra slow with the pandemic ''. She says she will call back next week if nothing was finally received and we could pay with card then. I say OK. 

No call back. a few weeks later we get another letter. I assumed it was " yeah, we got the check, here 's your final {$0.00} balance notice - thanks for using Kia Finance '' ... but nope. They say the still haven't received payment. I went to the website and immediately made the payment - something I offered to do before. I thought that was the end of that ... until I get a notice from XXXX XXXX saying Kia says I was 30 days late paying their bill. 

I called Kia Finance who informed me I must write a letter to their credit department to dispute the claim. I did, explaining I followed their direction verbatim at every instance. 

Just got a letter back from the Kia Finance credit department saying basically " nope - not changing a thing ''. 

This is just wrong. Both times I wanted to pay ( at turn in and on the phone when they called ) and was told to wait. The are unhelpful, and seem to relish in deceitful practices.

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 2021-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a certified letter to XXXXtrans union and XXXX to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX XXXX XXXX XXXX- inq XX/XX/20 XXXX XXXX XXXXXXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are XXXX of the companies that ran my information without my permission

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 2023-09-28
Company: Experian Information Solutions 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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$19000.00}

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 2021-06-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a certified letter to Experian/XXXX  XXXX and XXXX  to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX/XXXX XXXX/ XXXX XXXX- inq XX/XX/XXXX XXXX main inq-XX/XX/XXXX XXXX/XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX -inq XX/XX/XXXX These are some of the companies that ran my information without my permission

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 2021-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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/2020 my account was missing a transaction in the amount of { 15,000.00 }. That same day i called Bank of America and 911 to inform them that i did not authorize that transaction. At the time i called bank of america I told them to to start a claim in order to investigate the transaction. They informed me that a credit of the transaction amount would be credited back into my account within 10 days as the investigation was underway. Before that time i was notified that my claim was closed and not paid. Bank of America also sent a letter stating my claim was denied. I went back to Bank of America to appeal the claim. But that appeal was also denied repeatedly although i have been evidently identity thieved.

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