BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Ive reached out to XXXX XXXXXXXX XXXX XXXX  ( Account # XXXX on many occasions, and to know avail nothing was done, This XXXX XXXX account is still on my credit report as closed and not off my credit report. 
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 U.S.C. 1681 This company has violated my rights 15 U.S.C. 1681 section 602 A,, States I have the right to privacy, 15 U.S.C. 1681 sex in 604 A section 2. It also states, a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states, no consumer reporting agency may make any consumer reports containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates The report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information related to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is incorrect, XXXX XXXX XXXX XXXX the company above added on insurance that was illegal on their behalf. Yes, they fix the problem closed out the account and called themselves taking it off my credit report but it shows closed but still on my credit report since 2015 when it should be off.

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 2017-08-22
Company: ProCollect, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a court case with the apartment company called XXXX XXXX of XXXX XXXX. In the case, the judge made no money judgement against me. But after the case, The company still ignored the ruling of the court and sent in an amount of {$1600.00} to a debt collecting company called Pro-collect. And i have contact pro-collect several times about the illegality of this debt with a supporting court document but they failed to honored the document. Also, i have contacted the three major credit reporting bureaus and as of now, it is only XXXX that has honored the court document by deleting the debt from my credit record. Therefore, i am kindly requesting from your office to look into this case. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
LVNV Funding LLC C/O resurgent capital services is reporting on all 3 credit bureaus With account XXXX I have asked for validation of this debt. Proof of ownership of this debt original credit application with my signature on it. Payment history of this debt have not received any validation of debt This reporting is also in violation of XXXX XXXX fair credit reporting guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/2021 I mailed certified documents to NAVY FEDERAL that included exhibits. Ive contacted Navy a week ago to get an update but no one contacted me back. It is now XX/XX/2021 60 days I havent received any response. I have attached the documents. This issue has been lingering for years. Navy Federal has violated my rights which is listed on the documents. Please be advised that Ive been having an issue with the debt collector for several years and this is definitely has cause distress to my life. Not being able to function normality as a consumer. Due to the negligence of the debt collector, I was XXXX from my job, XXXX  for some time, and so many obstacles. TILA violation, FCRA violation,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have made multiple attempts via certified mail to have Elan provide additional details of this debt- all signed by XXXX XXXX- but no response. I have also made multiple attempts in writing for a settlement offer of 30 % of the {$770.00} amount due just to get this off my credit report. 

I had been working with XXXX XXXX XXXX XXXX which is a national nonprofit agency providing credit counseling and was instructed by my debt management specialist to work out a settlement directly with Elan. 

Due to unexpected medical bills and a divorce, I am facing possible bankruptcy and am unable to pay this debt in full. I wrote them to request their consideration to accept a settlement offer of 30 % of the remaining balance, which would be {$230.00} and asked that my account be reported to the credit bureaus as satisfied in full when the settlement amount has been paid. Elan has NOT responded to any correspondance. 

Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
I disputed incorrect information XX/XX/2022 by sending off a letter to Equifax, XXXX and XXXX. Some reports were removed and each Reporting Agency has incorrect and inconsistent information. XXXX has open accounts that are also collections. My addresses are wrong and XXXX and Equifax are not reporting open and closed accounts reported on XXXX. Equifax has incorrect addresses and work place. They reported XXXX as an open account and a collections. There is an open account with no Account name or contact information. Accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX are not reported as open accounts on other reports. XXXX has the wrong addresses, open, closed and collections as well. I also sent a cease and desist letter last month to the collection accounts that included of 15 U.SXXXX Code 1692c and 15 U.S.C. 1692d to cease all communication with myself or any person through any medium, that includes XXXX, Equifax and XXXX. There should be no further updates on any accounts of collections and the collections need to be removed completely. According to the Fair Credit Reporting Act 12 USC 1681, I have a right to privacy. According to the 15 USC 6802, no financial institution can share my information to third party persons without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Called Bank of America who kept me on hold for XXXX minutes then gave me auto cb which happened XXXX minutes later about transaction fees spoke to a XXXX who would not answer questions about the transactions or fees. After requesting to speak to a supervisor she kept me on hold XXXX minutes and then said she could not transfer me and her supervisor said to have me call back and repeat the hold process to get a Supervisor on line basically repeating the XXXX minute process. 

This is complete disregard for my time as a consumer with a supervisor/manager not making themselves available or requesting my number to immediately call back.

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 2018-04-17
Company: EQUIFAX, INC.
State: NM
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:
XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: CBC Companies, 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: Their investigation did not fix an error on your report

Complaint:
I'm a natural person. XXXX continues to violate and disrespect my rights to privacy and several other rights as listed below. If they do not remove the accounts, I'll continue to escalate this higher and higher if the accounts do not get removed from my credit report. 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ... XXXX XXXX. XXXX XXXX  XXXX XXXX ... XXXX XXXX. XXXX XXXX ... XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 someone ( unknown person ) opened a XXXX thru XXXX XXXX XXXX in my name for {$20000.00} I immediately called XXXX XXXX XXXXXXXX and they closed the card thru the fraud department. I looked up my credit report and it showed the hard credit that was made regarding this card. I called Experian and spoke with fraud department regarding this and put a freeze on my account. XXXX and XXXX had a lock on them so they didnt get thru to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF THE ATTY XXXX XXXX CHILD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
PROTECT YOUR XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: TekCollect Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX 2017, I obtained all three of my credit reports and noticed that a collection company named Tek Collect Inc. was reporting negative collection activity for an account that is not mine. I have no knowledge of this debt of ( {$110.00} ) that is currently being reported by this company. This inaccurate and incorrect information being reported to XXXX, XXXX and XXXX has heavily affected my ability to obtain credit to buy a new car and placed undo stress on my family.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove the following items. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance Owed : {$50.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$900.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$850.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 explanation
Consumer complaint received 2022-01-11
Company: SG and Associates
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX : XXXX On today XXXX XXXX at approximately XXXX at no caller ID contacted me by phone stating that I was about to be took to court on false charges and allegations that I had no clue about. The contact person name XXXX stated it was from a diamond jewelry store in XXXX NC in XXXX. I have never lived in XXXX or even heard of the company. I dont have or own any diamonds and never had a purchase for it. I proceed to let her know that this is fraud and I would be making a report. She called out my whole social which was really a red flag. She also sent the document like I ask her and immediately I noticed the date was wrong. I explain to her that I started working for the federal government in XXXX and have and had a active top secret clearance which there is no way I would have missed this on my 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 2018-11-27
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since Seterus, Inc., has taken over my home mortgage I have had repeated problems with them managing, handling and providing me requested information and documents. I also feel they have, in part, violated the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C. 1679-1679j, as noted below.

Below is a list of several problems in which I need your agency to assist me with if possible.

Issue Complaint 1 Failure to update my mailing address to reflect XXXX XXXX XXXX, XXXX, NC XXXX. 

# 2 Failure to provide me a copy of my original loan documents.

# 3 Failure to provide me a copy of my escrow statements for the last 12-months.

# 4 Failure to provide me an account payment history for the last 24-months. I contend that Seterus is charging me {$19.00} a month late fee claiming I am a month behind in payments. My records indicated my account is current.

# 5 Failure to process my request for an escrow account closure since I do qualify.

# 6 Violation of the Real Estate Settlement Procedures Act ( RESPA ), 15 U.S.C.

1679-1679j : 1. A consumer must receive an initial escrow statement which itemizes the estimated taxes, insurance premiums and other charges, if any, anticipated to be paid from the escrow account.

2. During servicing of a loan, the servicer must send a consumer an annual escrow statement summarizing the activity of the escrow account 3. If a consumer is charged an excessive amount for an escrow account or required to put extra money into an escrow account above the amount required by law.

ISSUES 1. My mortgage payment is {$710.00}, {$190.00} ( principal ), {$300.00} ( interest ), {$220.00} ( escrow ). However, Seterus has been debiting from my account and extra {$19.00} for the past several months for a late fee, I do not owe.

2. In XX/XX/XXXX, my mortgage payment went to {$920.00}, {$190.00} ( principal ), {$290.00} ( interest ), {$430.00} ( escrow ). NO NOTICE WAS GIVEN TO ME.

3. I have been advised I will continue to pay this escrow amount until XX/XX/XXXX. 
This is an excessive amount. My property taxes have remained {$2600.00} for the past two years, my insurance payment {$810.00} per year.

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 2023-08-11
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: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and there fraudulent charges on my account thats stopping me from reaching my goal of buying a home Im single a XXXX thanks in advance

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 2021-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Stellantis Financial Services US Corp.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
While I have attempted a number of times, I have yet to receive all outstanding responses to my questions, from the finance company 's perspective - Stallantis Financial Services ( SFS ), pertaining to my most recent lease. 

I was told by the dealership that they didn't want to state accurate/actual mileage on the lease contract, since it was over XXXX miles because it 'throws up red flags '. I would like to better understand this, from SFS perspective - what process and procedures are there for new lease vehicles with over XXXX miles. Would SFS ever tell a dealership this? Why would the dealer potentially have this understanding? I would like to understand SFSs view on this statement the dealer made, on behalf of the finance company/SFS. 

Related, regarding the contract, the dealer/Finance Manager did not indicate any over-mileage stipulations ( i.e., overage charges ) as part of my contract at signing and when I took possession of the vehicle. The dealer, a week later, came back and stated that the finance company/SFS communicated that I 'do not have a contract '. I would like an explanation, from SFS, whether or not this is what was communicated back to the dealership to communicate back to me, as that is what I was told. I would like an explanation of what was actually communicated. 

XXXX XXXX from SFS shared I would receive this explanation in-writing, but I haven't received to-date. Now XXXX XXXX has been unresponsive to email.

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 2021-04-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my credit reports with XXXX, XXXX  and Experian and found that all of the inquiries on each of my credit reports were a result of identity theft. I have not applied for credit in several years and contacted each of the credit bureaus in order to have these inquiries removed. I have not heard back from any of the credit bureaus regarding these matters. I have also asked the credit bureaus to place a fraud alert on my credit reports to ensure that nobody is using my social security number without my consent. 

Furthermore, I have an auto loan that I co-signed from XXXX  XXXX  which was reported as being late after the Coronavirus CARES Act passed which bars the reporting of late payments on my credit reports as I was unable to go to work because of the mandatory government and business shutdowns. As such, I have been working with XXXX  XXXX  to apply for a forbearance on this Auto Loan for over a year. I am not sure why it was reported late at all considering these facts.

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