BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish 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 explanation
Consumer complaint received 2023-06-13
Company: EQUIFAX, INC.
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 is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis nexis, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis 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 response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: NATIONSTAR MORTGAGE LLC
State: TN
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 XXXX sold my mortgage to Nationstar, aka Mr. Cooper in XXXX of XX/XX/XXXX. I was in the process of a Loan Modification with XXXX when sold to Nationstar, I continued the process of the Loan Modifacation. I provided Nationstar with all necessary documents and was give an address from a representative to an office that had been closed and moved after me calling back 2 weeks after not hearing from Nationstar to be told that. Once again I sent paperwork in only for this time the paperwork apparently went to a different building and was not " delivered '' to the underwriting department. 3rd time sending paperwork in, Nationstar received it. Upon checking on status, via- online, phone, no one could give me a status update. A few weeks later, I received a letter in mail stating that " bowworrer denied loan Modifacation " NOT TRUE. Nationstar was Not willing to work with me on anything and was very unprofessional. I was talked to like a dog as well. Upon reading News Paper In classifieds, I seen that they were foreclosing on my home, without notice, I might add. I immediately contacted my lawyer and he went and stopped foreclosure at courthouse steps. On XX/XX/XXXX My lawyer and i filed a complaint in XXXX Court for violations of the home affordable modification program and breach of contract. XX/XX/XXXX, Nationstar removed the litigation to the United States count for the Eastern District. I have Case number when needed. Section. 12 of my court documents State Each party agrees to pay its own attorneys fees and cost. In Agreed order of dismissal as stated follows- It is hereby ordered Md adjudged that the plaintiffs complaint is hereby DISSMISSED with PREJUDICE, with each party to bear it's own cost and fees, however as of mortgage statement it is showing that I owe lender paid expenses as follows- 1. Property Inspection Fees {$420.00} 2.Legal Fees {$1100.00} Totaling {$1500.00}, In which I am not supposed to be paying, court ordered. Next, during the litigation process, I received letter staying that I could not make payments at this time. I sent payments in by check, just to be returned back to me. 
Upon Nationstar not accepting payments from my lawyer and I, Nationstar was reporting to all XXXX major credit bruearus that I was late. I have been trying to work with Nationstar and other Credit repair services for them to correct there wrong doings. I need Nationstarto remove delinquent status to all three credit bruearus. I have documented everything. This is just a taste of what I have been through. Help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: FL
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:
Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have reached out to each individual company with no response as to where these accounts come from and why they are up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : 1. ) company name : XXXX account numbers : XXXX date open : XX/XX/XXXX amount {$220.00} 2. ) company name : XXXX XXXX XXXX account number : XXXX Date open : XX/XX/XXXX XXXX. ) Company Name : XXXX OFXX/XX/XXXX Account number:XX/XX/4057XX/XX/XXXXDate XXXX amount : XXXX 4. ) Company Name : XX/XX/XXXX Account number : XXXX Date Open : XX/XX/XXXX amount : {$30000.00} credit Inquiries : XXXX BANK ; XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-24
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Citi has repeatedly shut off my card even after verifying my identity with them. I have now tried to cancel the account, and they are refusing to do so, claiming that they sent a letter to my house which has a " code '' in it, even though no letter has arrived. I have given them my security words, let them send text messages to my phone, logged in through the website, talked to chat agents, talked to at least five phone agents, and I am still unable to cancel my account. I think, at this point, it's just fraud.

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 2020-11-28
Company: EQUIFAX, INC.
State: WA
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:
I sent credit dispute letters to EQUIFAX on XX/XX/XXXX certified. To this day I have not got a response. By Law the credit Bureaus are suppose to respond 30-45 days or items disputed in letter need to be removed because they can not verify them. 

" Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. Unfortunately, we are unable to proceed with an investigation of the concerns raised in your complaint because we need additional information. Please provide us with the following information : Please be specific with your concerns by listing the account names, numbers, and the nature of the dispute. Please provide the requested information to Equifax Office of Consumer & Agency Assistance, XXXX. XXXX XXXX XXXX, GA XXXX. If you have any questions or require additional information, you may contact by calling a Customer Service Representative at XXXX. '' In the letter I sent the INCLUDED ALL account names, numbers, and nature of disputes/concerns. I have a copy of the letter that was sent which included EVERYTHING. By Law the items need to be deleted because it has been more than 45 days. 

All items and accounts listed in the letter sent on XX/XX/2020 need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
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: 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 2019-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
NEW COMPLAINT On XX/XX/XXXX, XXXX XXXX XXXX installed an incorrect windshield in my car. I gave them a check for {$100.00} for the deductible. In resolving the issue, the XXXX representative recommended I cancel this check. However, this was not adequately communicated within XXXX and they accidentally sent it to a collections agency, XXXX XXXX debt collection. When I returned a voicemail from XXXX XXXX, the representative would not listen to my explanation, told me she was submitting the case to collections and hung up on me. She would not return my repeated calls. Concerned, I submitted the first complaint to the CFPB and XXXX XXXX 's response on XX/XX/XXXX was " We have been advised by the creditor to remove the account from collections. This will not affect the complainant 's credit. '' However, on XX/XX/XXXX, XXXX XXXX in fact submitted a " New Collection '' on my credit report. I filed a second complaint on XX/XX/XXXX and their response was " We sent a notice to delete the trade line from consumers credit report today. '' As of today, XX/XX/XXXX, the New Collection still appears on my credit report. Please remove this item as soon as possible.

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 2018-10-03
Company: Radius Global Solutions LLC
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had dental work done in XXXX with XXXX XXXX - I had to pay IN FULL PRIOR to having the work done. They actually OVERCHARGED me - and then never refunded the overcharged amount - then they tried to double bill me - bill me a SECOND TIME for the work I'd already paid for about 6 months after the word had been done. I showed XXXX and the first debt collector they sent it to - in XXXX - the paperwork showing it had already been paid and what my insurance covered and what i paid out of pocket. They removed the duplicate bill ( at least that's what both XXXX and the debt collector said was going to happen ). 

It looks like this was again reported - two years later in XXXX - to some other debt collector called RADIUS GLOBAL SOLUTION and they have been marking this as delinquent since then - no one has EVER reached out to me about this duplicate debt. The only reason I know it exists again is because someone tried to steal my identity last month and I had to look at my credit reports. 

I disputed it with XXXX but all the company RADIUS GLOBAL SOLUTION did was mark it delinquent from XXXX through XXXX of this year instead. The debt was paid - in XXXX - to XXXX XXXX - BEFORE I had the work done. They overcharged my XXXX credit card and never reimbursed me the almost XXXX overcharge that I paid to XXXX. If anything - XXXX XXXX owes ME Money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
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 am writing to file a complaint about fraudulent use of my identity by XXXX XXXX. I have recently discovered that my credit was checked and I have a hard inquiry by these companies without my permission, and I have no knowledge of who they are or what they do. 

I strongly believe that this action constitutes identity theft and a violation of my rights as a consumer. I never gave any consent or authorization for XXXX XXXX  to access my credit information, and I have never had any business dealings with them. 

I request that any negative information associated with these unauthorized inquiries be removed from my credit report immediately. I also request that an investigation be conducted into the matter to determine how my personal information was obtained and used without my knowledge. I want them deleted now. 

I appreciate your prompt attention to this matter and look forward to hearing back from you soon.

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 2018-06-26
Company: NATIONSTAR MORTGAGE LLC
State: IN
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:
Now I see that XXXX/Nationstar has now incorrect information on my credit report showing I am in a forbearance program. In which, that was terminated per agreement with XXXX months ago. The balance on my account is incorrect. The payment per month does not show as well I am still waiting for all payments to be correctly reported and my FICO score to reflect I have a mortgage loan.

No company is by law to retaliate against any consumer when trying to address issues with their loan can not be met by contacting the loan holder, company.

XXXX/Nationstar even sent me a letter on the CFPB complaint a few weeks ago stating they would fix the issues and reinstate my FICO score since I have yet to receive any points from my VA mortgage loan.

Now my credit report is worse with errors regarding my mortgage loan. Once again out of retaliation from XXXX/Nationstar.

I will keep filing complaints until this serious issue is finally resolved ... going on over a year now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: The Bureaus, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from The Bureaus Investment Group on XXXX/XXXX/2020, stating I owed them {$540.00}. I sent them a debt validation letter ( see complete mail exchange attached ) & received a response that does not constitute proper debt validation per The Federal Trade Commissions guidelines. All I received was an itemized list of the alleged charges they claim I owe. I requested Validation that is competent evidence bearing my original hand signed signature showing a contractual obligation to pay them. The Bureaus Investment Group is still reporting this collection activity on my credit report, even after they have failed to send proper debt validation. They are in violation of the FCPDA. This erroneous & invalidated information they are reporting to all 3 credit bureaus ; XXXX   XXXX , & XXXX is causing great harm & embarrassment to my life. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. It is also causing me severe problems in trying to purchase a home for my family during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
There is an incorrect report in my account from XXXX XXXX XXXX XXXX. 
I have never used XXXX XXXX in my home and I have never stayed in the addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: SYNCHRONY FINANCIAL
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:
My social security card was stolen with lots of my document in the year 2017 during XXXX, and since that day a lot of hard inquiries have been showing up in my credit report I have contact the companies where does accounts were open but they have not removed them from 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 2017-09-25
Company: AMERICAN EXPRESS COMPANY
State: CO
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:
On XX/XX/XXXX, I received a phone call from ( XXXX ) XXXX with XXXX stating an account had been opened in my name. He called to verify that I opened the account. I explained that I had not opened an account nor applied for any accounts with American Express. I asked for the information on the application so I could file a police report. XXXX stated he could not provide any information. I asked to speak with a manager and XXXX stated none were available. I explained that I would file with the proper regulatory agencies if this information was not provided. XXXX stated a manager would call back with 24 hours. No manager ever called back. 

On XX/XX/XXXX I called ( XXXX ) XXXX and spoke was XXXX. He acknowledged there was a request to speak with a manager or the person who could give me the information needed to complete a police report. He acknowledged no one had ever called me back. XXXX specifically stated, " Nobody can give you the information over the phone. A manager can not help you. '' I asked to speak with a manager and was transferred to XXXX who identified himself as a manager. I explained the situation and requested the information to complete a police report. I explained that every other bank with whom this situation has happened, provided the data required to complete police report.. XXXX stated , " A letter has been dispatched. '' When I asked for the date of the letter, he refused to give it to me. He stated, " I 'm sorry I can not disclose any information. '' Having dealt with identity theft for the past three years, every institution has supplied the information over the phone, except for one. They were investigated by federal agencies for failing to do so. I explained to XXXX that I would open investigations if I did not receive the information needed to complete a police report. He refused to provide the information. 
. It is being noted that American Express failed to provide any information so a police report can be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Wells Fargo is negatively impacting my credit card credit limit because of forbearance on my mortgage. We need CFPB to help protect consumers like me against this. 

Today XXXX/XXXX/20 I was unable to charge my payments at my grocery store on my Wells Fargo Credit Card. I called Wells Fargo and was surprised my credit line was decreased from {$13000.00} to {$4100.00} on XX/XX/XXXX. I had been making on time minimum monthly payments to my 0 % credit card. I had also checked my credit score a few days ago and my credit score improved since when I had received my credit card from Wells Fargo. I had explained this to customer service as well as their credit line risk department, and wanted to understand why my credit line decreased. I was told Wells Fargo uses an internal risk management process which does not rely on credit score. This risk management process was arbitrary, and I asked to speak a risk management manager. When I got the call back later on XXXX/XXXX/20, I was told risk management takes into account that I submitted my forbearance on my mortgage at Wells Fargo in XXXX. And even if the decrease in my credit was wrong Wells Fargo can not restore my credit line because of the forbearance on my mortgage. My understanding is that this goes against the spirit and the letter of what congress intended for the forbearance as well as using credit score to shield consumers from negative impact on their credit standing. Wells Fargo needs to reverse this policy.

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