BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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, Account name : # XXXX, Account name : # XXXX, 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 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 2022-01-19
Company: Midwest Fidelity Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021, I got a XXXX XXXXt from XXXX XXXX in XXXX Georgia. On XX/XX/2021, I received a check to cover the costs from my insurance company. On XX/XX/2021 I received a letter from the lab with instructions to send the check to the to the lab for payment. The bill was payed by credit card over the phone on the XX/XX/2021 when the letter notifying arrived in my mail box. On XX/XX/2021, Midwest Fidelity Service started calling me almost everyday. They have not sent me anything informing me of this debt and they insist that I prove to them that I do not owe the debt. Midwest Fidelity Service is trying to collect a debt that does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 there was a transaction on my Bank of America credit card for the amount {$1300.00} with merchant XXXX XXXX XXXX I disputed this transaction since didn't authorize this. 

Also, spoke to XXXX XXXX XXXX fraud department to understand what I purchased for {$1300.00} - but they said/confirmed saying they don't see any transaction for that amount using my credit card Bank of America is now saying they received response from XXXX XXXX XXXX saying its valid transaction and asking me to pay {$1300.00} Also, I went to discuss this in person to Bank Of America and they didn't me discuss there and sent me back asking to check with fraud department over phone. On phone so far i have spent more ~20 hours waiting for response, discussion. But nothing helped me so far. 

Been calling both Bank of America and XXXX XXXX XXXX fraud departments and no one is giving me valid reason and instead Bank of America is asking me to check with XXXX XXXX XXXX and XXXX XXXX XXXX is asking me to check with Bank of America 3 big problems I am facing because of this 1. {$1300.00} loss for me 2. My credit score is going down everyday and its down from XXXX to XXXX  3. mental pressure I am going through calling everyone and asking for some resolution

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 2023-10-15
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that my personal information be corrected. I have sent in state ID to provide proof and they have not updated it yet. I am requesting that you enforce my right to have an accurate file with the credit reporting agencies. This is very detrimental to my credit file and my options in regards to credit.

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 2023-09-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, This is in regards to JPMCB AUTO for an account for an auto loan. The account has since then been paid in full. After careful review, the account holder appears to be reporting an inaccuracy in payment history for XX/XX/2017. The payment was paid in full for the entire life of the loan. We called in to address the issue, the person we spoke with claimed to have the data and was happy to send it via mail but never sent anything to us. We later called back 6 weeks in XXXX and XXXX. The person on the phone told us since the account is closed, there is nothing they can do and they're unable to update the payment history. I asked to speak to someone else and or a manager, I was then advised a manager would personally call me back. No one ever contacted me. I believe this information to be inaccurate and is affecting my credit score. Please update the payment history to all 100 % payment history showing all on time payments. The account has since then been closed and has been paid in full. There is no reason to show a late payment any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: MD
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 XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX  XXXX XXXX ] XXXX XXXX XXXX XXXX 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 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage that is serviced by Mr. Cooper. Taxes and insurance are escrowed, so Mr. Cooper collects funds from me on a monthly basis to pay those items when they are due. Mr. Cooper failed to timely pay my XXXX XXXX, Montana tax bill of {$1600.00}, due XXXX. As a result, XXXX XXXX imposed a penalty of {$32.00} and interest accrued on the amount due until Mr. Cooper paid the full tax, with penalty. Mr. Cooper paid the full amount on or about XXXX, resulting in accrued interest of {$6.00}. Accordingly, the total amount in late charges from XXXX XXXX to my account -- due to Mr. Cooper 's late payment -- is {$38.00}. And the total " new '' payment amount for my taxes was {$1600.00}. Rather than pay this late penalty themselves, Mr. Cooper extracted it from my escrow account without notifying me. 

I contacted Mr. Cooper on XXXX, and requested that they reimburse me for the penalty/interest from their late payment of my taxes. Mr. Cooper said that they would remedy the error and repay me the {$39.00} in funds into my escrow account. On XXXX, Mr. Cooper called to inform me that they did not believe that the {$38.00} increase was due to penalty/interest -- despite the fact that this information is available on the XXXX XXXX website .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
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:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this 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 2022-12-09
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Account # XXXX XX/XX/XXXX XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX This company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide any written instructions to furnish this account on my credit report. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.=Except as provided in paragraph ( 3 ), the term consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Please delete the above late payments from my consumer report, because this agency is in violation of 15 USC 1681. 


Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXXXXXX XXXX XXXX  .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2020-01-04
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I will start with the back story. In XXXX to XXXX, I owned two properties and due to limited income no renters and damage to both properties and retiring from the XXXX was causing hardship until evaluation of my current status of being XXXX XXXX XXXX by the VA. I had to make a choice keep the mortgage on the house I was selling or the house I was in, so when attempting to work with XXXX and being late, they started to put residency in foreclosure. I told them I would have the money in 2 weeks and they said too late. My choice at that time was to start Chapter XXXX proceedings but, with the intensions of dismissing. On XX/XX/XXXX I filed Chapter XXXX with XXXX XXXX, XXXX, and no other creditors. On XX/XX/XXXX I contacted my bank Navy Federal Credit Union ( NFCU ) and  explained the issue to them. I was told at the time my credit card account would be frozen, owing XXXX, and to let the bank know of the dismissal. I notified was dismissed and was told accounts would be returned to normal. During the time I continued to make my card payments and vehicle payments without delay ( XXXX for vehicle a month ). 

On the XX/XX/XXXX, I was in a car accident that totaled my vehicle. My 1st bi monthly payment was taken out and asked a delay until XX/XX/XXXX due to the vehicle being paid off. The vehicles was paid off middle just before XXXX Holidays. 

Since the amount owed of XXXX, it has been paid down to XXXX and my vehicle note has been paid off and payments were made or if not paid a late fee when but was caught up within 15 days. My credit report shows no late dues to NFCU. I have already have a holding of XXXX on a vehicle and trying to get a XXXX loan. I was told I was denied due to late house payments and a revoked credit card. I told them I didn't have a revoked card, they told me it was NFCU credit card. I was transferred to representative from the credit card section, who told me it was closed around the same time of the Chapter XXXX that as the grantor decided not to continue my card, which I was told frozen and reopened at dismissal on XX/XX/XXXX. I was further told the account could not be reopened because it was closed. Their own bank is using an account they closed and I have been on time with the payments against me for a vehicle loan but also plummeted me negative showing it a closed account for XXXX still owing like I am a bad person for any institution to loan make a loan to and limit because it is not a revolving debt to get hired within the government system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: MI
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX  .Has violated my rights. in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights, 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 16663 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: General Motors Financial Company, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have requested a payoff balance from my lender. They have quoted me a price higher than the total loan, ( including finance fees ). I have asked for a quote for payoff three times and have received the same response. I have requested that my payment be placed on the principal for 6 months and this has not been done. I owe less than the total finance charges and would like to pay off my car minus the finance fees but I am being told that I ca n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Consumer Financial Services
State: IL
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:
Hello my name is XXXX XXXX account XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you god bless

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: AL
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 been trying to get my credit report cleared of inaccurate information since it was brought to my knowledge that someone was utilizing my identity without my knowledge. I filed a police report in 2019 upon being notified of many items ( accounts, inquiries, public records, personal information ) on my reports that are NOT mine. I have written several letters to bureaus with police report and explanation of identity theft and they are not being cooperative and have NOT provided any documentation of proof to validate refusal to remove disputed information/accounts. I am trying to achieve government funding for a environmental improvement contract and this false information is ruining my credit reputation immensely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit 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 2022-12-10
Company: Experian Information Solutions 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:
I've been communicating with XXXX, XXXX, and Experian about my XXXX XXXX XXXX XXXX XXXX loan that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus as well.

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 2020-01-04
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX or XXXX, spoke with XXXX at Selene finance to request a reinstatement. she could not give me an exact figure but said selene would email me a reinstatement quote on monday. 
XX/XX/XXXX i called selene finance spoke to XXXX, explained to her i had not gotten an email and i was concerned about the time line. she said she could see my request, she said she would send a second request with an " urgent Flag ''. 
i explained that we had received a letter from an attorney dated XX/XX/XXXX but i was unsure as to when it arrived the letter stated that if we paid with in 10 days of letter they would forgo their fees but that letter did not have an amount. i had also received mail from Selene that was like the normal statement with an amount due and should i pay that amount? she stated that thoose questions would be answered in the email we would get. i explained again that i was concerned that we where going to run out of time to get the right amount to the right place. 
XX/XX/XXXX i still had no email so i contacted the lawyer who had sent the letter. contact via email because they only give reinstatement quotes via email or written request. 
XX/XX/XXXX law office sent email with payment which was now XXXX $ more dollars. i explained that we had. 
been trying since the XXXX to get this quote and it was friday money is due monday was there any way we could get an extension because our bank would not let us draw off the money for 7 days. she said she was doubtfull selene would do that XX/XX/XXXX i spoke with XXXX at selene about a possible extension since i still hadnot recieved an email from selene. she said they would not delay but that we could wire the money to Selene.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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