BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-14
Company: NEXA Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I filed a complaint with DIFS in Michigan. That the agent on my file was discriminatory and biased from Nexa Mortgage. Nexa Mortgage complaince person removed the agent, however never admitted that this agent acted in violation of the law. She did however, demanded that I stay with their company. I disagree. The lender XXXX XXXX has sat quiet the entire process. The circus of performances has been detrimental for me since applying and receiving the approval. As a result I have suffered financial loss, loss of opportunity and severe emotional distress. While we were in the dispute phase. Nexa communicated the DIFS person reliquary. Not that DIFS have closed the file because they say they don't handle commercial disputes. Nexa is back to it's old tricks. And I can't get answer from Nexa or XXXX XXXX. They have prevented me for planning, and moving forward in all capacties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-09-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I recently pulled my credit report and saw multiple ( XXXX ) unauthorized inquiries on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXXXXXX XXXX XXXX  ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXXXXXX XXXX XXXX  ) of any sort. 

In regards to The company ( XXXX XXXX XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX XXXX XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NV
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:
There are accounts listed on my credit report that do not belong to me, nor did I authorize these inquiries to be pulled. Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-01
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX kept poor account records, double billed for procedures, failed to submit insurance claims fully, in a timely manner, or at all, and engaged in questionable billing practices. I notified XXXX XXXX that I was moving to another state and they settled my account. A year after the move, XXXX XXXX called about a past due amount. After discussion on two separate calls, the account was again cleared as settled. After nearly a year, XXXX XXXX submitted a claim, without notice, to Capital Accounts for collections on the debt it had already stated was cleared. 

I immediately disputed the debt with Capital Accounts. Capital Accounts failed to immediately provide alleged evidence of any debt. When it finally did so, the information it provided did not clearly show an accounting of each transaction. Without critical analysis of the account statement provided by XXXX XXXX XXXX office, Capital Accounts validated the debt. However, after a critical analysis of the debt ( attached to this complaint ), the account record provided by XXXX XXXX XXXX office shows a number of accounting errors and inconsistencies, and questionable practices that refute the existence of any debt at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$970.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- XXXX. XXXX/XXXX  with ACCT # XXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$970.00} -This is not my account.

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 2021-02-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received a notice from Synchrony Bank in XXXX XXXX about an unpaid balance of {$280.00} that I never charged to my XXXX  gas card account. 
They stated the account was past due over 6 months and have sold the debt to XXXX XXXX XXXX XXXX in XXXX XXXX. 
I never charged the {$280.00} to my account. Also, until I received this notification letter, I never received any communications from Synchrony Bank that there was any balance due on my account at all. Nothing. No mail, calls, etc. I've lived at the same address for the last 30 years. 
I sent them a payment of {$35.00} in XX/XX/2020 for a balance due I owed of {$35.00} so I was paid up in full. I never used my XXXX  card again since then. 
I called their customer service number and was told my account was closed and sold off. 
They finally gave me a PO box address to send a complaint letter too. I have notified XXXX of a fraud alert and made an official report with my local sheriff 's dept. 
I am sending letters to both Synchrony Bank and XXXX XXXX XXXX of the situation and the obvious fraud. I had a perfect credit rating before this happened.

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 2018-02-19
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 just viewed an updated score for my equifax credit report. Equifax removed 3 accounts that are in good standing which in turn caused my credit score to drop again. I dont no why equifax is removing positive accounts off my report. The accounts are XXXX XXXX XXXX   and my 2 XXXX  XXXX credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I lived in an apartment in XXXX called XXXX XXXX which has since been named XXXX XXXX  which is owned by XXXX XXXX XXXX. Our lease ended on XX/XX/XXXX. In XXXX of XXXX, I received a phone call from Professional Debt Mediation claiming that I owed them XXXX. I requested proof of the debt and they are stating it is for 1 months rent for not giving 30 days notice prior to the end of the lease and money for excessive cleaning after move out. I do not owe this debt to them for the following reasons : I received an email from the apartment complex on XX/XX/XXXX explaining what our rent increase would be and it says " If you do not sign a Renewal Lease by this date, this letter will serve as your Notice of Non Renewal and you must vacate the premises by XX/XX/XXXX. '' We did not reply as they said no reply was our notice of non renewal. 

The apartment complex also provided a copy of our security deposit claim that was dated XX/XX/XXXX. Our lease explicitly states that the landlord must file a security deposit claim within 30 days of the expiration of the lease ( XX/XX/XXXX ) or the landlord forfeits the right to file a security deposit claim. Because of this, the apartment complex actually owes US {$500.00}. 

Also, they mailed the security deposit claim to the address that we had moved out of and our mail forward service had expired by that time. 

I provided documentation of the above proving that the debt was not valid, which XXXX XXXX at XXXX  refuses to acknowledge as proof and is saying they will be putting it on our credit if we do not pay immediately. They are stating that we can not longer dispute the debt and they are only following the instructions of their client and are putting it on our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Paramount Recovery Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, 2016 I received information from paramount recovery systems. In the packet that I received was information that is a violation of HIPPA. This information was giving to a third-party which was an attorney speaking on my behalf. Who then gave the packet to me, once they noticed that it contain diagnoses and medical information that should n't been released. For example they have access to information that is currently being handle by third party insurance company, which was to due to an automobile accident and was handled accordingly. This incident happened on XXXX/XXXX/2016, and they should n't have access to this information and the original creditor stated that they should n't have that information since they did n't send that information to them nor should they be sending this information when it is not a debit. I have contacted the original creditor who has told me that they do not released medical information due to HIPPA regulations and the only information that they will release and what I should 've gotten from them is the medical bill that show the amount, who the doctor and a what each produces cost. They stated that should be no reason why they have any medical information. I even contacted the hospital and they stated they do not release medical information without permission. I looked over the document and had an attorney look over the same documentation and nowhere did I sign for my medical information to be released to a third party collection agency. Nor did I sign or agreed that my medical information to be used as means to collect a debit or debit validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
At Experian the three representatives keep hanging up on me when I attempt to reach the company over denied credit rendering my attempts futile in obtaining the information needed to satisfy my inquiries into the matter. Experian isn't the only one XXXX does it as well. The representatives require more training to handle incoming calls whether someone is calling to update their membership, dispute an item, or dispute a possible inaccuracy on one 's credit report. This has happened numerous times and I'm starting to question myself on their investigation into disputable information. Please address due to the fact that I can not get anywhere with these credit bureaus disputing or inquiring my credit report ( s )

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 2022-09-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX- {$400.00} XXXX. XXXX XXXX XXXX XXXX XXXX - {$120.00} XXXX. XXXX XXXX XXXX XXXX - {$1200.00} XXXX. XXXX XXXX XXXX {$540.00} XXXX. XXXX XXXX XXXX XXXX - {$9100.00} XXXX XXXX XXXX XXXX XXXX Account No. XXXX ( dates : XX/XX/XXXX- XX/XX/XXXX ) XXXX. XXXX XXXX XXXX - {$330.00} XXXX. XXXX XXXX XXXX XXXX- {$5300.00} XXXX. XXXX XXXX XXXX XXXX XXXX. - {$330.00} XXXX. XXXX & XXXX XXXX - XXXX - {$560.00} 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 an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I was pre approved for credi card under false pretense and had my credit score go down after check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: BSI Financial Holdings, Inc.
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: Was not notified of investigation status or results

Complaint:
To whom it may concern : My personal financial information has been used without my permission or knowledge to obtain credit, goods, and/or services on the above-mentioned account. I am writing to notify you that I have been the victim of identity theft. I am requesting that you release me from obligation for this debt and alert credit reporting agencies and collection agencies. I appreciate your consideration of this issue in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: M&T BANK CORPORATION
State: KS
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 applied for COVID forbearance with M & T Bank initially on XX/XX/XXXX. A few weeks later I received a bonus payment from my employer. Since this bonus payment was received, I was able to make the XXXX and XXXX mortgage payments. I called customer service and told them I wanted to make a payment, that call removed me from forbearance. 

When the COVID crisis continued and all of my income was effected in XXXX and would continue to be effected for the foreseeable future, I realized needed to get back on the forbearance plan. I applied for assistance on XX/XX/XXXX, see email confirmation attached. Included in this email confirmation was the guarantee that I would not be charged a late fee and no past due payments will be reported to credit bureaus. Instead, my account was charged late fees and M & T bank reported my mortgage as past due during my forbearance, which did not end until XXXX of XXXX. 

M & T Bank incorrectly has reported to all credit bureaus that I had a late payment in XXXX of XXXX, well after my COVID forbearance was requested on XX/XX/XXXX. I called and started three separate investigations with M & T bank, every representative I've spoken with understand the error and said it should be corrected but each time the results of the investigation has been that my COVID forbearance ended on XX/XX/XXXX, not taking into account that there was a XXXX forbearance processed and no payments made on the account until XX/XX/XXXX. 

Since my account was on COVID forbearance and I have proof of that request, I advised M & T bank that per the CARES act they are not allowed to report my account as past due. My credit score has been greatly impacted by this reporting and the result is being declined for loans and only being offered higher interest rates due to their error.

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 2022-09-06
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a card mailer from U. S. Bank around XXXX XXXX XXXX, that to call and verify if I opened this checking acct. or not. I called XXXX on card and gave my name and reason for call, got treated like nothing, and was put on-hold without any further comment from person at that #.. I called listed fraud # XXXX, and was asked to give social sec. #, I didn't give it, and person at # didn't even ask for fraudulent acct. # ; immed. xfr 'd me to automated line to enter an extension #. And this is " theri '' fraud dept.?!

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 2022-09-06
Company: Experian Information Solutions Inc.
State: MI
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:
Hello! 

I am having serious issues with Experian!! 

I sent a letter back in May for them to complete an investigation into an account which i believe to be reporting inaccurately. 

They did not respond. 

So I filed a CFPB complaint and followed up with a letter of no response ( which i have attached ) asking them to please conduct an investigation. 

Not only did they NOT conduct an investigation, but they sent me a copy of my credit report instead which is NOT what I requested and can be seen in the attached documents. 

I already have reason to believe that the account is reporting innacuratly on my account. It has been more than XXXX days and they have YET to investigate. 

Please have them remove this from my credit report ASAP!!

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