BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-05
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I contacted Mr Cooper loan services/ Nation star Mortgage LLc to investgatate as to why my home mortgage loan has NOT been reported to the national Credit Bureaus. After many hours of phone conversations, and finally a response letter from Mr Cooper XX/XX/XXXX, stating that they needed a filed reaffirmation agreement from my Chapter XXXX bankruptcy that was filed in the year of XXXX in order to report my loan to national credit bureaus. This company obviously reaffirmed my loan, as I have been making them payments for years. 
My last conversation with a Mr Cooper represenative XX/XX/XXXX, and said that they will absolutely not report my loan status to reporting agencys without a reaffirmation letter. My bankruptcy attorney sent a letter to me, and the lender stating that the judges in this district Do Not do affrimations of mortgages, and there is nothing that they can do at this point.

Mr. Cooper/Nationstar Mortgage has repressed my credit scores, and financial abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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: Reporting company used your report improperly

Complaint:
Experian allowed XXXX XXXX XXXX XXXX to pull my credit on XXXX without permissible permission. See attached letter reflecting XXXX. XXXX attached forged & fraudulent permission dated XXXX XXXX will label this complaint as duplicate and reporting accurately. Experian will not research correctly and allow their client to steal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX, experian, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.

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 2022-10-11
Company: JPMORGAN CHASE & CO.
State: AL
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:
Dear Chase, In Re : XXXX XXXX Credit Card Ending in XXXX I am hereby requesting you provide all three credit bureaus a letter and send a copy of said letter to my address below informing them to remove the hard inquiry from my credit report for the XXXX XXXX Credit Card that has been closed but that was opened in my name and that I reported given this account was opened in my name without my permission. 

And was the result of identity theft. 

I furthermore request you provide in the letter to all 3 credit bureaus both the consumer and business credit reporting agencies notifying them that the account was closed given it was a result of identity theft which I have already reported directly to Chase and that I am no longer liable or obligated to pay the debt and it shall be removed from all credit reporting. 

I would greatly appreciate this. 

Thank you so much. 

Please send a copy of said letter to my address below along with my email address being XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX, AL XXXX Warm Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
This account still reads as open on my credit report but I have closed it and have paid in full. Unfortunately I had financial hardship which caused this account to go into a negative standings but I have since than paid the outstanding balance off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Security Credit Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: Experian Information Solutions Inc.
State: AL
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:
Hello and good morning!. My name is XXXX XXXX and I'm initiating this complaint due to the fact that two out of the three credit reporting agencies have my credit score greater than XXXX, but Experian has my score at XXXX wrote them a letter requesting that they reevaluate how my score and how it is calculated, but I have not had a response from their company.I find it very disturbing that they can have my score at the lowest, but somehow continue to try and sell me their products.I feel like as a consumer if I dont purchase their products they'll continue to have my score the lowest out of the three credit reporting agencies.I never receive information from XXXX, somewhat from XXXX, but Experian sends me the most and they're the ones that have my score the lowest, this to me is done intentionally to the consumer to force them in some manner to purchase their products to achieve a better score, please look into this for me because I feel that this is wrong on so many levels, and some governmental agency needs to be made aware, thank you for your time and hopefully timely response to my complaint.

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 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX, XXXX, transunion, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.

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 2022-10-11
Company: EQUIFAX, INC.
State: CT
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:
Recently I submitted an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure the reporting was 100 % correct. In accordance with the Fair Credit Reporting Act, all information listed on my credit report has to be 100 % accurate on said mentioned report, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX XXXX, XXXX, transunion, and XXXX has violated my privacy which is a violation of the FCRA. XXXX XXXX continue to list a dismissed bankruptcy as confirmed. I am aware that XXXX XXXX receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. Please remove the accounts above from my consumer report immediately

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 2017-12-15
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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:
the department of education /Nelnet are reporting that I student loans, they are reporting on XXXX , XXXX  and XXXX this is n't accurately. 
they have over 12 accounts on my credit report. I have asked for them to send me promissory notes that I have signed that stated that I applied for these loans and they have not sent me anything as will as all proof with DL picture, signature and paperwork. they have not sent any information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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:
XXXX, XXXX, and Equifax are all in violation of the FCRA. They have refused to remove the following account from my consumer report DEPT OF ED/XXXX ACCOUNT XXXX XXXX. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.

Under the FCRA, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I made an order with Raymour & Flanigan on XX/XX/XXXX. The order contained a couch, love seat, club chair, ottoman, coffee table and two end tables. I was given credit from Raymour & Flanigan for this purchase. When initially making the order, the sales woman informed me that they would be " flexible '' with the delivery time window and that it could be changed after I placed the order. Of course, the day prior to delivery I called and they informed me that there was no flexibility. This was a difficult hurdle, as I was closing my house on the following afternoon and now had to figure out how to receive the delivery properly. Regardless, the coffee table and end tables were not delivered. I have attempted to call Raymour & Flanigan more than 10 times, and every time I call them they route me through a number of prompts, then throw me into a voicemail which they NEVER return. I have attempted to email them and have received no response. I have attempted to chat them and have received no response. On XX/XX/XXXX and on XX/XX/XXXX, I attempted to call them again and used different prompts. The system informed me that my wait time was 1 minute. After waiting on hold for 20 minutes, the system then told me that this was a non-working number. In the same breath, they have put credit against my name and I have no way of accessing the credit to pay my bill. When I login to their website, it says that I have no order history. Now, my entire credit score is in the hands of Raymour & Flanigan and their blatant incompetence and horrid customer service. I have an 800+ credit score, and to even SPEAK to someone I have to file a CFPB complaint - absolutely ridiculous. This company should be shutdown for their abuse of customer 's credit livelihood and complete disregard for their customers after making the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX, and XXXX are all in violation of the FCRA. They have refused to remove the following account from my consumer report DEPT OF ED/XXXX ACCOUNT XXXX XXXX. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.

Under the FCRA, 15 U.S.C. 1681g, I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their file at the time of this request concerning the account that you are reporting in 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 explanation
Consumer complaint received 2019-10-24
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Funding Balance {$1200.00} I am writing because I received letters, phone calls at my job regarding a debt that the above company has. Once I received letters I responded with a letter to validate this debt because I was not aware of this company. I did not hear back from the company. Instead I received a summons in the mail to appear for Pretrial mediation. I sent a validation letter to the credit bureau once I received this. The accounts with midland funding has now been closed. I spoke of this to the companies lawyers and yet she was still trying to collect XXXX from with with {$250.00} in court fees. I responded to please show me a legal binding contract with my signature. I also requested financial statements of the debt. Credit card statements are not validation of debt. I needed to see all the financial records to ensure the accounting is correct. I asked for a break down between principal and interest as to how they arrived at this amount of {$1200.00}. No one has validated my debt but here I am with XXXX kids, low income and being sued on a debt I have no knowledge of because this company has ignored my validation letters. This has caused me time of work and I just returned to work from having a XXXX. I have doctor bills that I cant even afford and Im being sued by this company that cant respond to my letters. Please help me with this so they can understand that this is not right. They dont care about anything but trying to take money from poor struggling families

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
BBVA was my original mortgage company we had slow payments that turned into missed payments. We set a a repayment plan with XXXX in the collections department and began paying. We got down to {$1400.00} dollars and BBVA was purchased by PNC. 

PNC says theres no record of the payments and have not provided my checking account history. They are not operating in good faith knowing my financial situation they offered for me to pay {$2500.00} on top of my mortgage for two years then my mortgage would return to normal. 

They refused to research the phone number of the person in collections that I was making payments to at BBVA. XXXX number was ( XXXX ) XXXX. Even is she was laid off during the process of BBVA going out of business they couldve found out who she was and contacted her for verification. 

Im a senior on XXXX and they want to throw me on the streets. They stopped taking my payments, and started passing my phone calls around until the line went blank. They even did that to my attorney, they are slow to respond as we get closer to the auction date. I was referred to you by the comptroller of currency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company 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 2019-01-04
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have two major concerns about XXXX XXXX XXXX. When I attended XXXX University, the financial aid office and XXXX XXXX misrepresented that XXXX XXXX is a government loan, similar to your typical federal loan. After I graduated and during the repayment period, I learned that XXXX XXXX XXXX is a private loan and lacked the similar protection or assistance federal loan provides. Thousands of students take loans out from this institution, and based on my personal experience along with other fellow XXXX classmates, we believe we were mislead by the institution. 

Secondly, XXXX XXXX XXXX or HESSA  wants all the borrowers to sign or agree to a privacy terms and conditions, which is prima facie unconcionable. The terms basically states that the borrowers must agree to these terms or else the borrower can not make the payments needed to XXXX XXXX. The terms dictates that the borrower basically has no rights to any remedies and warranties, and borrower agrees that XXXX XXXX   and  HESSA will not be liable for anything, whether direct, indirect, consequential, etc. 

This is unacceptable and abusive of power and authority. I get this gut feeling that these terms and conditions and how XXXX XXXX is forcing current borrowers to agree to this is illegal.

Company response to consumer: Closed with explanation