BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-26
Company: EQUIFAX, INC.
State: LA
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 have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my Equifax, XXXX, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; Equifax, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have notice that i have a medical bill on my credit report that has been affecting my credit score.I haven't gave anyone my consent to share medical information with third-party consumers.This is a violation of HIPAA and it should be removed from my XXXX, TransUnion, and XXXX  credit reports.Its been well over 30 days since I've received any results regarding my dispute with the 3 major credit bureaus ; XXXX, TransUnion, and 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 explanation
Consumer complaint received 2020-01-21
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: Old information reappears or never goes away

Complaint:
On 3 separate occass6i have contacted all 3 credit reporting agencies to have negative information removed. Each time they have removed and sent me clean copies. When asked what explanation constitutes having to call them every 30 days to do som6over and over again is unfair to everyone, including workers. I spend and average of 2 hours while they correct. This is ridiculous. What can be done to remove in final. I feel that it is discriminatory and am attempting to pursue the l

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 2020-10-26
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Had a line of credit for {$1700.00}. Took out {$1700.00} in XXXX. Total fees due in XXXX are close to {$700.00}, none of which go towards the principal. All fees and interest. I asked for assistance in settling and was only offered an arrangement to pay what I can and keep calling back on the due dates to make arrangements ... but I will continue to be slapped with fees and 360 % interest rate!! Simply put I will never be able to pay this off. I have no problem paying back the money I borrowed but to pay $ XXXX {$1000.00} a month at this rate, I will never be able to payoff and will fall further in debt. This is one of the worst decisions I ever made out of desperation. Consumers beware and stay away!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX, XXXX I received a collection for 1200 something dollars so i began to dispute it. Next time i checked my credit report it was gone, but XX/XX/XXXX the collection reappeared. I contacted to original creditor that was listed on my report and was told they couldn't help me, that i needed to contact the collection agency. I continued to do so and recieved very unprofessional rude service. The account they reopened has a amount of XXXX XXXX When i spoke to them they claimed i owed pennfoster, i was confused because it was a pay as you go course cancel anytime which i did. They only required you pay in full once completed in order to recieve your diploma, which i never recieved because i never completed it and canceled. For one the course was XXXX $ so i don't know why their claiming XXXX XXXX I never signed any paperwork for said course, it was only required upon completion for the diploma. This was not a loan. I never recieved anything from these people. They admitted to me they open multiple accounts for this same debt. I just sent out a validation/verification letter to the agency on the XXXX of this month. If you could please assist me it would be much appreciated!! Thank you for your time!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 502A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2020-10-26
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2020 I reached out to Wells Fargo Home Mortgage ( WFHM ) to take advantage of the mortgage forbearance that was available through the CARES Act. I assumed that since I had an FHA loan that was no more than 30 days overdue as of XX/XX/XXXX, occupying the home, and eventually willing to go back on schedule on repayments ... that my mortgage would have been eligible for the FHA Standalone partial claim. 

In XXXX of 2020 I reached out to WFHM to state that I should be able to resume regular mortgage payments. They stated I was not eligible for the standalone partial claim and that I would have to pay back the missed payments in full, over 3-6 months, or go through a loan modification. Obviously not an ideal slate of options. 

The loss mitigation products made available by the government so that WFHM could move the missed payments to the end of the loan period/as a junior lien, should have allowed me to resume my payments with minimal disruption. That is obviously not the case. 

I filed a complaint with WFHM and they sent back a letter stating that because I was ineligible because I was over 30 days past due when I requested the actual forbearance. This makes no sense to me as this would mean WFHM 's criteria is not in line with government guidance, and is instead being used at their sole discretion, excluding what is probably a significant amount of FHA-backed borrowers that took a forbearance as a last resort in the first place. 

Now I'm having to extend my forbearance so I can make double payments on my mortgage in order to keep my credit from being devastated. This erases all benefit from having taken a forbearance and puts me back in financial distress in order to " make my account current ''.

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 2023-12-13
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: In progress
Consumer complaint received 2020-08-02
Company: PNC Bank N.A.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have been using the XXXX XXXX for years and I connected one of my PNC accounts back then. Now when I am trying to change my account number, it says PNC does not participate in this function. It doesn't really make sense since I currently use my PNC account. A friend of mine was trying to join XXXX and use his PNC account but he got the same message. 

I don't understand why they won't allow XXXX to connect? It's a secure app. I have been using it for years and never had an issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Nissan XXXX  are in breach of contract. I was told that i could pay the load the way i am paying it. I have made this type of payment from the start which, regardless of what was discussed at the dealership, nissan XXXX  agreed to this method by accepting the payments and never complaining until recently, here are the payments made as far back as Im able to go with my back. Nissan has removed the payments on their web page. Odd that i dont see one payment for XXXX in this list and you would think that in a 3 year span, had the amount i had been paying not been agreed upon, they might have had objections before now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
I have been a victim of idenity theft.

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 2018-10-02
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 is missing that should be on the report

Complaint:
To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, CA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Have enclosed a two bills ***PLEASE UPDATE MY CURENT ADRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX BEEN LIVING THERE SINCE XX/XX/XXXX THESE ADRESSES ARE MY OLD ADRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX   XXXX , FL XXXX Old number and is no longer mine : XXXX *****MY CORECT NUMBER XXXX CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address. 

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2021-10-06
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Wed, XX/XX/XXXX, XXXX XXXX Subject : Loan Modification XXXX To : XXXX I really don't understand why this Modification is higher than anything on the loan. My principle amount is XXXX my original loan amount then in XXXX was XXXX my new money during this modification XXXX. Now the modification in XXXX had to been entered in WRONG as XXXX because it's higher than the principal amount. My amount for 16 months is XXXX close but not correct!! I have been with Nation Star which is Mr.Cooper since XX/XX/XXXX. Why do I feel I am been shafted because every employee with Mr.Cooper say this is totally wrong and they don't understand this situation. I hope and pray the Modification team can make this better for me and my family which we have put most of our earnings into our home. 
Sincerely, Homeowner!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: OH
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:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-06-09
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
3 Accounts on my Credit Report have been reported by Jefferson Capital Systems. They knowingly purchased 3 accounts from XXXX XXXX that are from XXXX and reported to 3 major Credit Bureaus that they are opened in XX/XX/XXXX. This new activity has caused harm to my credit because it is considered new collections based of the date that they have reported. I do not own any accounts opened from Jefferson Capital Systems that were opened in XXXX. I have not opened any credit with any financial companies in XXXX from XXXX. 

Please remove these accounts because they are inaccurate. Inaccurate information does Not belong in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
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: Personal information incorrect

Complaint:
There is an address on my account that does not belong to 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 non-monetary relief
Consumer complaint received 2022-12-24
Company: Experian Information Solutions Inc.
State: PA
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:
I was just notified that my credit card is several months past due. I had it set up for auto pay with XXXX XXXX. XXXX sold that card division to XXXX  XXXX  and My {$14.00} original purchase never got paid. Because the amount was so small and the bank was going through a conversion apparently it didn't get reported right away and was allowed to go several months past due and now is reporting on my credit as over 120 days late but this is the first i'm hearing about it from commenity bank and it never reported on my report as late before. I called in and spoke to a supervisor and he could see I had a perfect payment record before this happened. I paid the full amount while on the phone with him and he said to send a letter to the corporate office to see if they can have all those negative non payments removed and restore me to paid on time.

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 2019-01-07
Company: EQUIFAX, 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:
I am filing a complaint against Dept of Ed/XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through a printed letter on the status of ownership and how was the account assigned to your office. I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Please deleted all this debt off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I spoke to a representative at PHH and she stated that I had to submit one more document for Mortgage Assistance. I sent the required document at XXXX XXXX Yesterday I received a letter from PHH stating that you had not received all of the documents and therefore we could not get mortgage assistance. We are extremely confused. How can we be told one thing and then we are told another thing. We desperately want to keep the house but need assistance. We are slowly repairing the home meet todays standards. We have had many expensive items arise in the last 6 months that we have repaired. We have windows that are covered in lead paint that we were not aware of at the time of purchase. ( at least not to the extent we have found )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX  XXXX Balance : {$250.00}

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 non-monetary relief