BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
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:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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 2018-02-08
Company: CarFinance Capital LLC, Irvine, CA Branch
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers ( more than one ) of mine inquiring information about my husband and I for the personal gain of  reposessing the car ( a car loan currently being serviced by XXXX  ). We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX XXXX but that does NOT give the right for any employee of a Collection Company /XXXX  to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because " that's what I do now Repo Only ''. She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was " normal repo practice for Collectors at XXXX ". She asked where I worked, if my Car was parked outside ( referring to.my place of employment ), she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family. Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX.  This is unfair and against our rights as consumers.

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 2021-11-15
Company: Netspend Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I have had direct deposit to this account biweekly on fridays since XX/XX/XXXX. I have had overdraft availability since XX/XX/XXXX. On XX/XX/XXXX a transaction showed up on my account in error, showing a Charge Off debt of {$140.00}. Stating my account had been negative - {$140.00} for 90 days. That is impossible and not correct. I also received an email saying my overdraft had been Deactivated. I called cust service the next day and explained the situation and the rep said she fixed it and she turned my overdraft back on. It was fine until XX/XX/XXXX when I received another email saying my Overdraft had been Deactivated. And a transaction with Write Off recovery of {$140.00} showed in transactions. I called cust service over the next few days and was told several reasons that made no sense. But ultimately was told that yes, they see Ive had direct deposit to cover any negative balance within 14 days maximum. And that Ive never been negative longer than 14 days, if that. The account has several transactions and deposits showing activity the entire time since XX/XX/XXXX and during incorrect negative claim time period. However they refused to remove these incorrect transactions and told me my overdraft is suspended for 6 months because they dont like the way I use it and they have the right to take it away at any time with no notice.

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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED INQUIRIES DOES NOT BELONG TO ME, PLEASE INVESTIGATE AND HAVE THOSE UNAUTHORIZED INQUIRIES OFF 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 explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: CA
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:
I am a victim of XXXX XXXX  and I mailed all my documentation to all three credit reporting agencies. Each agency has received my information. Ive attached proof below. XXXX and Equifax has not blocked the information in 4 days per FCRA Title 15 U.S. Code 1681c3 - Adverse information in cases of trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: PA
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 have been disputing errors on my credit report on accounts thats reporting inaccurate information on XXXX, equifax and XXXX for last 6-8 months all three reporting bureau are all different with different information. I feel violated and discriminatory by what is being reporting unable to buy home or access credit. I feel its reporting incorrectly because they make money to report inaccurate information and I suffer the consequences. I have disputed information such as 2 XXXX, XXXX, XXXX XXXX account I gave written consent for those companys nor did I ever had dealings with. All inaccuracies thats reporting from three credit bureaus are in violation of my consumer rights. Each time I dispute it comes back as meets guidelines or accurate with no proof. XXXX and XXXX XXXXXXXX listed as charge off with past due balances which inaccurate on all three reporting agency i really feel they are discriminating because I of my demographic I feel like this is being done intentionally. I work hard to keep my credit in order but just want move because of the inaccuracies thats being reported. What is the point to have consumer laws if the reporting agency not abide by them and can do whatever they like to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 2 accounts from XXXX showing on my Experian credit report. I had a loan with XXXX XXXX which they sold to XXXX. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and XXXX in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The XXXX XXXX loans are gone but the XXXX loan still show and it's hurting me getting a mortgage.

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 2019-01-16
Company: CORELOGIC INC
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: Credit inquiries on your report that you don't recognize

Complaint:
Please reference CFPB # XXXX I did not give permission for CoreLogic or XXXX to pull my credit report on XX/XX/XXXX. They had just pulled my credit on XX/XX/XXXX so why would they another Hard Inquire on my credit report. They have made mistake and I would like it removed ASAP. 

I have attached a screen shot of inquiries with dates and the letter sent from CoreLogic state I provided " verbal '' permission to pull my credit 8 days later ... Where does that make sense at? Please all attachments.

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 2020-12-14
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 2022-10-22
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit card usage is incorrect and has been for months. Its showing I have {$130.00} balance which I do not. The balance has been XXXX since XXXX XXXX  if I were to miss a payment it would be immediately reported. So my payments made on time should be as well. It looks like Im using much more of my credit limit than I actually am. Its negatively affecting my credit score. It has not been reported since XX/XX/2022. Ive been afraid to use the card again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-18
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continued attempts to collect debt that is not mine. Continued robo calls after I have sent writing to this company which said not to call me. These have been reported to the do not call registry. I have also submitted the times and dates of calls to a law firm. I also provided the law firm information about the continued harassment and previous history of harassment. They are violating my rights under FDCPA, TCPA, and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Self Financial Inc.
State: LA
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 have file a complaint serveral disputes with Self/Lead Bank , Self/Lead Bankhas fail to comply under the FCRA they have fail to delete transactions and experiences between XXXX XXXX and Self/Lead Bank XXXX The F.C.R.A. Specifically said XXXX USC 1681a ( 2 ) ( i ) Exclusion accept as in paragraph 2 the term Consumer report does not include transactions and experiences. ( # XXXX XX/XX/XXXX XXXX XXXX days ). Self/Lead has repeatedly reported transactions and experiences here is the list of transactions and experiences that they listed. According to your XXXX according to your F.C.R.A. transactions and experiences or not included on the consumer report. This a formal complaint for and F.C.R.A. Violations by XXXX XXXX for this Person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  Senior Personal Lines Underwriter XXXX XXXX notified my XX/XX/XXXX that Lexis Nexis provided XXXX  an insurance score at some point in the spring of XXXX on which basis my home insurance premium was raised according to my agent by over 10 % starting in XX/XX/XXXX. However, the information disclosed in the XXXX  notice indicates false information is being propagated by Lexis Nexis and yet no ability to receive any information from Lexis Nexis has been demonstrated to date. They have sent no response to multiple website form submittals, three letters written requesting my credit report or insurance score information mailed in large print to their address given by XXXX, or over a dozen phone calls starting with first contact XX/XX/XXXX. I have no ability to " correct '' their false information without having the opportunity to see what information on me they are selling and without being able to get a copy of my credit report after 6 solid months of trying to do so. Here are the dates on which we contacted them by phone : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Here are the dates on which the letters were mailed to them requesting credit report and insurance score : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have contacted politicians about this issue. No one wants to touch it because the national association XXXX XXXX is a big pac. 
I would like appraisers not to include real estate commissions and bank fees when they use sales comparables for determining the value of a house for sale that is then used for underwriting. Sales commissions and loan fees add XXXX value to a home. They are not a new roof for new sewer line, yet routinely 6 % of the amount shown as what a property sold for recently is included in the " value '' of a house. The appraisers are supposed to be independent of agents and mortgage brokers, but they often are members of XXXX. XXXX has a conflicting interest to keep their commissions included in the value of homes sold because it means real estate prices are driven up in those locales by six percent, more money for them. Since people buy and sell houses after only a few years, the appraised values of homes are being inflated by 12+ percent above market forces. I personally consider this price fixing. The Real estate roundtable lobbies for this issue to the extreme detriment of consumers. This issue is making the housing crisis worse. It may not seem like a lot but a house overvalued by 6 percent is {$30000.00} on a typical {$500000.00} home. That money should not be part of the appraised value. I'm home shopping and disgusted by this practice. It's industry standard so my complaint is against all appraisers, all mortgage lenders, and all real estate agents.

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 2023-07-22
Company: EQUIFAX, INC.
State: FL
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 the Fair Credit Reporting Act 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. also states a consumer reporting agency can not furnish a account withought my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the 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 identity theft. I have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2022-10-19
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX, acct # XXXX XXXX XXXX XXXX  acct # XXXX, acct # 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. I did not give them written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

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, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXX Account name : XXXX XXXX, Account name : XXXX and Account name : 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 reporting agency if the person knows or has reasonable cause to believe that the information 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 2018-07-10
Company: National Default Servicing Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
National Default Servicing Corporation ( NDSC ) failed to call a fault to foreclosure processes after coming into possession of information and knowledge of various violations of a group of laws commonly referred to as the California Homeowner Bill of Rights. 

On XX/XX/2016, NDSC caused to be recorded a Notice of Default ( NOD ) as the Substituted Trustee. On or about XX/XX/2016 I informed XXXX XXXX XXXXXXXX, XXXX XXXX as the loan owner and servicer, and NDSC as the Substituted Trustee and also XXXX and XXXX, XXXX XXXX as the owner of NDSC of their errors and requested the NOD be immediately rescinded. 

The NOD was never rescinded as requested violating provisions of the California Homeowners Bill of Rights. 

All previously requested resolutions are desired to include three times the median home value in XXXX XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: PA
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:
Payment originally submitted to Nelnet for XX/XX/XXXX. Confirmation email received on the day of submittal, XX/XX/XXXX. Upon checking Nelnet website on XX/XX/XXXX ( and several days after that ), that payment is not appearing anywhere in history or processing payments ( Still gone as of XX/XX/XXXX ). 

To avoid past due balances ( WHICH I NOW HAVE INCURRED AS A RESULT OF THEIR SYSTEM ERRORS... ) I created another payment for that day, XX/XX/XXXX. It is now disappeared from the homepage/payment history in the same fashion ( appearing NOWHERE on their site ) and I have a past due balance. Not one payment has cleared from my bank account yet, but I am no longer comfortable submitting another payment to remove the past due balance, as I am not sure if they will all suddenly clear from my bank balance at the same time. 

I attempted to call before making the second XX/XX/XXXX payment, but was on hold for over 2 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Experian Information Solutions Inc.
State: VA
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 told Experian several time that this account : XXXX XXXX XXXX XXXX ( closed ) for {$24000.00}, is NOT mine. XXXX XXXX got it and put my information to co-sign without my permission. You guys have even removed it before then put it back on. Please remove this!

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