BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, My name is XXXX XXXX. I am submitting this request due to some unauthorized inquiries which are on my credit report. I have inquiries from the following companies to whom I did not authorize : XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX  Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX TXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX 2 Automotive Dealers ( New ) XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX Experian XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX TXXXX XXXX XXXX/XXXX XXXX Mortgage Companies XX/XX/XXXX Experian XXXX XXXX   Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian XXXX XXXX   XX/XX/XXXX XXXX XXXXXXXX XXXX Credit Cards/Airlines XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX   XXXX Mortgage Reporters XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance Companies XX/XX/XXXX Experian XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX Auto Reseller XX/XX/XXXX Experian XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX XXXX   Credit Cards XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX Automobile Financing Company XX/XX/XXXX Experian XXXX XXXX XXXX Miscellaneous, Not Elsewhere Classified XX/XX/XXXX XXXX I have listed what reports are showing and I have no intentions of applying for credit. These multiple inquiries make me look desperate and that is far from the case. I think that these unauthorized inquiries make me look very irresponsible and makes it almost impossible for me to apply for future credit if needed. I have made various attempts to solve this matter but it has gotten me no where. I've tried calls and letters to those listed above and they've done nothing to fix it.

Please get these unwanted and unauthorized marks off of my credit so that I can enjoy the American dream.

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 2017-08-11
Company: Experian Information Solutions Inc.
State: OR
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:
XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This  is completely wrong. I have never missed a mortgage payment and this is injuring my credit score.  XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.

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 2020-07-21
Company: EQUIFAX, INC.
State: AZ
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:
sent 609 and 611 letters to original creditors and all 3 credit bureaus for proof of originals documents with my signature according to the FCRA and sent the " Repossession Deficiency Dispute " to original creditors and credit bureau for the past several months and haven't received proof with originals copies. 

Also the account been closed for about 3 years, then re opened 2 months with out my knowledge, and never been alerted that it will be reopened

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have recently applied for credit twice and both times I have been denied due a public record recording on my file. My most recent denial states the only reason I was denied credit from XXXX was * A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. I have submitted a letter to XXXX in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report ( s ). This bankruptcy just recently appeared on my credit report within the last year. XXXX  shows on their report they are obtaining their information from a 3rd party Consumer company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX showed up on my credit report with the acct number of XXXX in the amount of {$1500.00}. I have no knowledge of this account please have them remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.

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 2020-07-21
Company: CL Holdings LLC
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: Their investigation did not fix an error on your report

Complaint:
I have been attempting to dispute an unverified account on all 3 of my Credit reports during this process I have sent 2 dispute  letters as well as debt validation letters each certified to XXXX XXXX and XXXX on dates XXXX XXXX and XX/XX/2020 to Jefferson Capital Systems LLC as well as the original creditor which is XXXXXXXX XXXX. The only response from the XXXX XXXX was an invoice sent on XX/XX/2020. They have been unable to provide me with original contract bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from Jefferson Capital Systems LLC it has been brought to my attention this debt has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have bran violated by Jefferson Capital Systems LLC regarding this account. I have submitted this complaint in attempt to have this debt removed from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Payments were issued to XXXX XXXX XXXX and they refused to remove the derogatory information as agreed. They've contested a request for removal from all three credit reporting agencies. Attached please find information regarding this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/XXXX XXXX XXXX  contacted me trying to collect on a debt that is past the statue of limitations. The debt amount is {$830.00} ( {$1700.00} with interest ). I followed up with the original debtor of this debt, HSBC Bank and found that this debt was originally charged off in XXXX. They also were very nasty to me on the phone and threatened to bring me to court ( sue me ). At that point I asked for the account information in writing ( postal mail ) which they refused to do. They also took til XX/XX/XXXX to furnish a copy of the debt letter ( attached ) in which their letter states that I had til that day to settle the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I did not pay my 1 % financial responsibility by XX/XX/2018. I did it by mistake trying to avoid the previous problem reported to you, when they tried to penalize me for " paying early '' claiming it was a double payment ... Nevertheless, now the ignorant, no only has made erroneous claims that I have been paying late, but they have rounded up my balance due, pilfering or embezzling {$0.00} from me. This is absolutely egregious. If they have any authority to do " cash rounding '' - a phrase I found via XXXX. If they do, then they are likely generating millions by robbing millions of people across the country and State of Michigan of our personal property : quarters, dimes, nickels and pennies every month. Just imagine what they are doing to grandmothers, and single mothers who just are too occupied to pay the attention necessary to identify these unscrupulous activities. I paid their late fee. I paid their interest rate. I will tentatively pay their claim for {$0.00} so as to not subject my account to another late fee, but I request that you demand that they return my {$0.00}, and persecute them on my/our behalf with respect to principles under the ( 1 ) Michigan 's Scanner Law - The Shopping Reform and Modernization Act, Truth in Lending Act, Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act, and the like.

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 monetary relief
Consumer complaint received 2018-09-20
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted XXXX regarding electricity service that I never authorized in my name. They advised that they would take a note that it was fraud. It is the result of identity theft. However, a company is still attempting to collect this from me.

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 2020-07-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hello on XX/XX/20 I was aware of a XXXX XXXX account reporting in my name that I never opened up. Upon filing a complaint with XXXX XXXX they have assured me there is no store card in my name. I am trying to make sure there is also no AMEX account in my name as I did not open up this card

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted the credit card customer service on XX/XX/XXXX because i got an alert on my credit monitoring that my credit score has decreased due to the TJXrewards MasterCard decreased my credit limit to a point where my balance exceeded the limit AND charged me a fee because of it. When i called they told me it was due to periodic review of credit score ( which is currently higher than when i got the card in the first place ) i have never been late on a payment. I had to all back 4 times and ask to speak to supervisor because the customer service rep hung up on me 3 times. They refused to waive the fee or restore my credit limit. They never sent notification of any of this to me, i wouldnt have known if i dont regularly monitor my own credit scores

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 2018-09-24
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost my job on XX/XX/2018. I completed a Loss Mitigation package with loanDepot, who sent acknowledgement of receipt of the completed application on XX/XX/2018. I have called several times to get a status of the application, but only receive a recording stating that my loan is with an underwriter. They continue to send notices of intent to foreclose even though every time I call they tell me the same thing. I also consulted a HUD adviser that informed me that they are obligated to decision the application within 90 days and it has been more than 120 days since I completed the application.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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. I filed a police report with the XXXX XXXX  Police Department this is the second police report I have made with the XXXX XXXX Police Department in reference to fraudulent and unauthorized accounts, hard inquiries and collection accounts listed on my Trans Union, XXXX and XXXX credit report. The police report case number that 's on file is : XXXX. I been receiving harassing telephone calls and death threats from creditors and debt collection companies in regards to the following accounts and debts that are fraudulent and unauthorized, and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, {$2800.00}, XXXX XXXX XXXX, {$14.00}, XXXX, XXXX XXXX, {$7100.00}, XXXX XXXX XXXX, the following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/2016, XXXX XXXX XXXX, XXXX/XXXX/2016, the following collection account is fraudulent and unauthorized : XXXX XXXX, {$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Original Instrument # XXXX dated XX/XX/XXXX was modified on XX/XX/XXXX by Ditech. During modification the instrument number was recorded incorrectly by one number # XXXX. When this lien was paid in full the wrong instrument number was released. I have provided property reports and documentation from the XXXX County Recorders Office several times showing the lien was still in place. I have been in contact with Ditech since beginning of XXXX with XXXX resolution and no contact names will be given. I have attached several correspondence emails and documentation to get this resolved. Letters from Ditech dated XX/XX/XXXX shows they are working on the issue and I received another from XX/XX/XXXX not resolved. I spoke to XXXX, XXXX, XXXX, and XXXX who was supposedly a supervisor. I also emailed information directly to the lien department with no response.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
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: Information belongs to someone else

Complaint:
I was a victim of Identity Theft, and on my Experian Credit Report it shows one of the XXXX accounts that reflect the incident. I submitted a Fraud form to XXXX and the problem was not fixed. It continued to hurt my credit score and they did not resolve it. My only option was to pay it and have Experian remove it, but I have tried to do so online and I haven't been able to. 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 2021-06-28
Company: EQUIFAX, INC.
State: NJ
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:
Equifax is still showing a public record ( Dismissed CH XXXX Bankruptcy ). I have disputed it with them, and they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. Case # in reference is : XXXX removing bk case # XXXX from my file. 
Equifax claims that the record is verified by XXXX. Please explain how this is so when you have removed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Nelnet refuses to accept a document I uploaded as proof of my income for XXXX. I provided a w-2 for years XXXX, XXXX, XXXX. My w-2 for XXXX was taken by my ex husband for filing taxes. He would not return it. I called XXXX and nelnet and was told that a screenshot of my year end pay sub would be suitable as well as something as simple as writing my total gross income a plain paper and sending it to nelnet/XXXX. I sent a screenshot. I also filled out the financial disclosure letters as requested. Nelnet has refused to accept my gross income statement from XXXX even though I was told any proof was acceptable. My loans went into default and my XXXX tax return has been garnished. I feel I have provided acceptable proof for all 4 years and no one I talk to will help me. I consider this abusive and dishonest by nelnet advisors. There is no way to upload documents directly to XXXX website, only through Nelnet. Obviously they share the files because XXXX  can view them but still refuses to accept my income statement for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been trying for several years to open an account with Navy Federal. Every time Im told that it shows that I opened one then nothing else. I have requested management call me, I have tried to prove my identity etc. if Im denied the account then fine but to tell me that I wasnt denied and then nothing else is troubling to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2020 I have submitted dispute documents for those unknown and inaccurate accounts on my credit report. I was a victim of the Equifax data breach. I demand to immediately delete those accounts on my credit report or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: Fidelity National Information Services, Inc. (FNIS)
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: Old information reappears or never goes away

Complaint:
Check Systems has been notified several times regarding my chapter XXXX bankruptcy and continue to report inaccurate, negative, and incorrect information to creditors. XX/XX/XXXX being the last report issued. Check systems was informed by myself and the bankruptcy court in XX/XX/XXXX that my bankruptcy had discharged but they still report information which results in denials for accounts and other services that I am eligible for.

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