BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX # XXXX : has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: DISCOVER BANK
State: NC
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Nelnet, Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THE US DEDPARTMENT OF EDUCATION - Great Lakes Higher Education is reporting to credit bureaus while, these companies continue to ignore all proof of claims regarding a dispute for over 2 months and with no response what so ever as well as continuing to report inaccurate information ( FCRA Section 611 Part ( A ) ( 1 ) ). I may presume that no proof of the alleged debt, nor thereof, any such debt, in fact exist. ENGELGARDT v. GRAVENS ( MO ) 281 SW 715,719. And an immediate removal of these inaccurate debts. I have sent countless registered mailings, made phone calls, and have disputed properly online. In addition, refusing and ignoring proof of claims, to correct my information on all bureaus credit sites. I now am PETITIONING FOR ARBITRATION. As the company continues to falsely report inaccurate information in collusion with these third party credit bureaus and XXXX XXXX XXXX XXXX, as well as trying to collect SAID " DEBT '' with unfair debt collection practices in accordance to 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions 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: 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 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 2021-05-20
Company: BBVA FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I recently attempted to close a checking, joint checking and savings account with BBVA. BBVA had recently purchased my prior bank, Simple. Upon calling BBVA to close the account, the customer service representative, who I spoke to on Thursday, XX/XX/2021 at XXXX, indicated that she could not send me a check for the remaining proceeds in my account and that instead she could only close my account if BBVA could keep the funds in the account. The proceeds were less then five ( XXXX ) XXXX 

The bank indicated they could only send me a check if I mailed them a notarized letter requesting to have the account closed, but could not do so on the phone, even after asking several questions to verify my identity. 

This appears to be an unfair and deceptive practice on the part of the bank and puts an unnecessary burden on consumers. I told the rep to keep the remaining proceeds and to close my account so I wouldn't incur any fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions Inc.
State: AR
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:
THIS IS MY 2ND ATTEMPT TO RESOLVE THIS MATTER WITH EXPERIAN WHO RECENTLY CLOSED A COMPLAINT STATING IT WAS A DUPLICATE COMPLAINT WHICH WAS FALSE INFORMATION BECAUSE EXPERIAN DID NOT CLEARLY READ THE COMPLAINT THOROUGHLY. DEAR EXPERAIN***** PLEASE READ THIS TIME*** ACCOUNTS SHOWING AS A CHARGEOFF SHOULD NOT SHOW ANY BALANCES***** Despite Experian has refused to remove these fraud related accounts after receiving an overwhelming amount of supporting documentation, it has come to my attention that these accounts are currently reporting inaccurate or wrong information and must be deleted from credit file immediately in accordance to the Fair Credit Reporting Act. Account XXXX XXXX # XXXX Ref # XXXX shows a balance of {$1200.00} which was sold to a collection agency by the name of XXXX XXXX according to a notice I received on XX/XX/2020. Account XXXX/XXXX  # XXXX shows a balance of {$410.00} and was sold to a collection agency by the name of XXXX XXXX XXXX according to a notice I received dated XXXX Ref # XXXX. The Account XXXX/XXXX  # XXXX has a balance showing {$6200.00} and was sold to a collection company by the name of XXXX XXXX Ref # XXXX according to a notice sent to me dated XXXX. These collections are not currently appearing on my credit due to fraud but for some reason Experian continues to report these inaccurate balances on my credit file and is a clear violation of the Fair Credit Reporting Act.

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 2023-05-06
Company: Experian Information Solutions Inc.
State: NC
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. All account listed on my consumer report, and mentioned below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 And have caused injury Violators, XXXX, XXXX, Experian, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account numbers not mentioned here for privacy, all on report 15 USC 1681 section 602A States I have a right to privacy 15 USC 1681 SECTION 602A section 2 It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of conviction of crimes. All rights are reserved without prejudice.

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 2020-07-14
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern : My name is XXXX XXXX and I own the property located at XXXX XXXX XXXX XXXX, XXXX, Il., XXXX. This letter is a statement explaining Loan Depot improper reporting to all 3 Credit Bureau. 

In XXXX of 2020 Loan Depot advertised on my account login a mortgage forbearance plan to assist home owners who were having difficulties due to the Coronavirus shut-down. I signed up for this plan because my tenant and I were temporarily not working due to our companies having to close. In this plan that Loan Depot offered they stated very clearly that there would be No Negative consequences for entering into this plan as long as we complied with all of the terms of the plan. I did comply with all of the plans terms and conditions. 

In early XX/XX/2020 I begin looking into refinancing my mortgage. The first thing I did was check my credit score and principle balance with loan depot. On XX/XX/2020 my outstanding Principle balance with Loan Depot was {$650000.00} as reported by all 3 Credit Bureau. On or about XX/XX/2020 I submitted preliminary inquiries/applications to refinancing my mortgage with multiple companies. On XX/XX/2020 XXXX  contacted me with an alert that my loan balance had increased and my credit score had drop 14 points. I then investigated this and learned that Loan Depot increased my remaining Principle balance due by over {$10000.00}. 

I immediately contact Loan Depot regarding this Principle increase and they told me they had the right to do so because I was on the Forbearance Plan. I reminded them that the terms of the Forbearance Plan specifically stated that there would not be any negative reporting done on my credit. I then contacted my attorney and sent him all of my supporting documents. My attorney informed me that Principle Balances can not be reported as increased due to outstanding balance on a mortgage without a court ordered foreclosure proceeding. 

This false reporting to the credit bureau is still on all 3 bureaus and Loan Depot has been unwilling to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: NJ
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 trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-07-15
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from Atlantic Credit and Finance , Inc in XX/XX/XXXX about an old XXXX account. I called the number on the letter to inquire about the details and discuss the matter. The first person I spoke to was unable to find any information and told me he could not find any record of this account. He gave me a different number to call. That person was also unable to find any records or information related to the account. He gave me a different number to someone else who could not find any information, even when I provided information such as my name and social security number. No one would talk to me. I did not know what to do. I then received a different letter on XX/XX/XXXX from Midland Credit Management about the old XXXX account. This letter was dated XX/XX/XXXX, although I received it almost a month later, which is quite suspicious and deceptive, because the letter demanded payment by XX/XX/XXXX. The fact that they backdated the letter eliminated the time I am allotted to make a written request for validation and further information about the debt. The actual XXXX account, as given on the letter, has a Charge-Off Date of XX/XX/XXXX, exactly 7 years ago. I am aware that this is past the 4 year Statute of Limitations in my state. On XX/XX/XXXX, I received a bizarre text at XXXX XXXX   from a stranger, with a random name, from XXXX XXXX trying to ask me about work I did many years ago and asking about credit card payments. When I researched the number online, I found that it was reported as Midland Credit Management. This is manipulative and predatory behavior. They would not talk and communicate with me when I genuinely tried, they have misdated a letter, and now they are pretending to be someone else and texting. I do not trust talking to them on the phone, but I do not know what to do. I have no savings or assets. I only have enough for my rent. If they continue this behavior, the only solution I can think of is bankruptcy. There should be more legal protection from these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: Joseph M. Tobin, PC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Have requested payoff of alleged debt on multiple occasions. Tobin Melien and Marohn has ignored each and every request. They need to be sanctioned, cited and reported to the IRS. They have also failed to provide a XXXX as requested so that proper tax assessment reporting be made to the IRS. 

And, as for the originating application ( securities ) and XXXX XXXXXXXX XXXX account, please do note no securities were abandoned and all statements have been reported to the IRS. It is hereby requested securities on the asset ledger be applied against any alleged debt owed. All accounts are to be XXXX out in full with any proceeds remaining sent to the beneficiary : XXXX, XXXX XXXX - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-15
Company: FREEDOM FINANCIAL NETWORK
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:
Re : Freedom Plus Personal Loan ( Achieve Personal Loan ) I made a payment on XX/XX/XXXX to cover the XX/XX/XXXX payment due. However the company did not make my payment effective until XX/XX/XXXX because they had a system that delayed pmt effective date by 2 business days. I believe the company has now changed the system and now payments are effective 1 business days after being made. I requested the company to reverse the negative reporting, it is unfair for a customer to be penalized for a bad processing or system. Making a payment and having it be effective 2 business days after is inefficient and customers shouldt have to suffer the consequences of that. This is the only negative reporting I have from this company in nearly 3 years of my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: AL
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:
This complaint is about the 2 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$31000.00}

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
Consumer complaint received 2021-10-22
Company: SECURITY FINANCE CORP
State: AL
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:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed 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 2020-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
XX/XX/XXXX, I called in and advised Capital one I was moving permanently. They promised me not to charge late fees and allowed me to skip a payment. In XXXX of this year, this city was shut down due to Corona. I called in and was advised no payment would be due and I would not be reported as late. I made the payments as agreed, they are now saying there is no record of a call. I was promised 3 late fee waivers that never were credited. Now in checking my credit report, they are reporting late payments and reduced my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please research the following ( 2 ) hard inquiries : XXXX XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021

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