BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX ex XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a follow up to three prior complaints submitted against this company. I am under a 12 month repayment plan. I have one final payment to make and then I am expected to make a $ XXXX balloon payment. A loan modification was provided as an option when I began this repayment plan. I have applied for this loan modification twice, and was denied, without explanation. The customer service representative, XXXX, was clear that the investor has provided no reason for the denial.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: STONEGATE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I am in the process of closing on a FHA mortgage and I am financing the MIP. So instead of my loan amount being {$200000.00} it is now {$200000.00} including the XXXX % MIP charge. But I received my Closing Disclosure ( XXXX XXXX and although I am financing the XXXX % MIP, They are still asking me to bring that amount of money to the closing table. Can you please advise before I sign the closing disclosure and close on this loan. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
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: Information belongs to someone else

Complaint:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : 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 2018-09-11
Company: EQUIFAX, INC.
State: DE
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:
Equifax has not deleted two revolving accounts - 1 from XXXX and 1 from  XXXX XXXX - that are both closed and last activity was past 7 years. 

XXXX - Date Closed XX/XX/XXXX - Date of Last Payment XX/XX/XXXX XXXX  XXXX - Date Closed XX/XX/XXXX - Date of Last Payment XX/XX/XXXX Equifax also has inaccurate credit inquiries on my credit report that need to be removed. 

XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

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 2020-09-17
Company: Experian Information Solutions Inc.
State: WA
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:
There are 3 accounts on my credit that are reporting inaccurately.

1. XXXXXXXX XXXX charge off with a balance showing 2. XXXX charge off with a balance showing 3.  XXXX charge off with a balance showing This is not accurate according to the fair credit act. you cant have a charge off and still report a balance. if you do you must delete the account. I have been asking for this for 5 months now and no reply.

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 2020-09-17
Company: Southwest Credit Systems, L.P.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. 

Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a checking account with Fifth Third Bank on XX/XX/XXXX and deposited {$250.00}. The bank was running a promotional offer which would have give me {$250.00} if the money was held for a certain period of time ( 60 days XXXX. Last week XXXX on XX/XX/XXXX or XX/XX/XXXX ) I called the bank to check if I had received the {$250.00} that was promised as part of the promotional offer. To my utter shock and disbelief, the bank said that my account had been closed because it had a zero balance for too long. When I questioned the bank regarding my deposit, the bank said that there were some transactions that used the debit card. Here are some of my key points XXXX. I had never received or activated my debit card. This is a case of my money fraudulently withdrawn from my account. 
2. The bank did not have the courtesy to inform me that they were closing my account. 

If you are wondering as to why I did not approach to resolve the problem with the bank then please see this below. My adult son XXXX XXXX XXXX - same address as me ) used to have an account with Fifth Third. All of his monies were ALSO fraudulently withdrawn from his Fifth Third account without his knowledge. He too never received or activated his debit card. XXXX ( my son XXXX received a treatment from Fifth Third that was less than respectful and he had to waste several days/hours for his monies. The bank kept saying that he had withdrawn - which was highly insulting & accusatory. He had to have many conversations with the bank and also had to file a police report. The bank did not want to assume any responsibility. He too filed a CFPB report XXXX # XXXX ) - which was eventually resolved. The truth is that Fifth Third has demonstrated lack of internal controls when it comes to managing new accounts. Two accounts in the household are now victim of their negligence. I DO NOT want to go through the same awful experience that my son did and I am requesting CFPB to help me here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Experian Information Solutions Inc.
State: IA
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:
After the Credit breach 161 fraudulent accounts were added to my credit file. The copied old accounts that were previously paid. For example I had one loan through XXXX, now I have 9 total loans that showed zero payments and the account has been closed. I made payments to that loan when I was in school and it was paid off before I even graduated. Now shows up as nine negative things on my credit statement and the original loan isnt even on there anymore. The number provided to XXXX XXXX XXXX as the dad is the number to a phone XXXX line. I have about 40 other debts to the Department of Education and I was city thats been close for 10 years. Im showing Student Loans on my account from when before I even started school. I am being sent fake mpns, and the Department of Education cant tell if these are fake and PMs because theyre not educated on what the identification number on the MPNs actually means, that arent even valid but still being registered through the department education as it being a valid debt. I havent been able to have a bank account or a credit card in over 10 years because of all this improper reporting on my credit. In 2015 I had my entire life savings account how old and taken from me to pay for this debt. My father has been contacted since he was the cosigner on one of the loans, he has paid over {$60000.00} to this company and I was city thats now shut down. I have paid over {$50000.00} to the company in XXXX  XXXX thats now shut down. I had {$20000.00} seized out of my bank account and I dont know where this money was sent to. Someone needs to pay me back the money thats been taken because of all of this somebody needs to be held accountable and someone needs to pay me back and stop people from taking more money from me and allowed me to actually have a bank account as are all violations of my consumer rights they are violating son of Sam laws by trying to make a profit off of any of this and none of them should even be in business if they cant even contact me to let me know that my information was breached. I want my money reimbursed and I want these fraudulent credit reporting agencies to be shut down because they are not reporting anything close to accurate on anybodys credit report due to this bridge and they have no intention of fixing it or they would have by me submitting the five different times Ive tried dispute everything on my credit file and everything came back as not disputable because they were valid debts but yet only my name and a dead amount is on 3 % of the reports so I dont know how they contacted anybody if there wasnt even a name given

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 2020-09-17
Company: MOHELA
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: Account information incorrect

Complaint:
I have a very old student loan about 14-16 years old with mohela. I recently applied for a home loan and there are an insane amount of late payment marks on my credit record from several years ago. I didnt understand how 9 late payments can result in 36 negative marks. I had one account number with mohela. One monthly payment. I contacted them and said perhaps its a mistake they produced the late payment notice that were sent to me for the ONE account. This is extremely unfair. They dont send notices for each of the four loans if you are told you have one account one late payment, then mark my record one time. As a consumer receiving bills and notices for a single account you have no way of knowing you actually have four. they take your one account and distribute the payment into 4 debts. They never notice you of being late on 4 accounts or however many funding sources you have. If they what to mark your credit for four accounts then the consumer should have the right to a separate bill and notice for each account. 

I have one account with them. Loan # XXXX. If you see all my statements all my notifications were for one loan that is loan # XXXX. They acknowledge its one Loan and one account. How is this okay? If I missed a payment then they should report one late payment under this account. But, they reported four late account payments. Because there are 4 funding sources for my one account # XXXX. A consumer should be informed. A consumer should know that missing one payment is actually going to result in 4 payments missed and four accounts becoming delinquent. But, they send one statement! Unless you know their policies you wont find out until you look at your credit report. This is very unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: GA
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:
Experian has deleted an account transaction from XXXX XXXX XXXX on XX/XX/2023 and has reinserted the information on XX/XX/2023. Experian failed to provide certified proof of the information that was allegedly verified. 

I have first hand knowledge that the account transaction is inaccurate and has been furnished and reported without any authority or written consent from me. 

Experian 's negligence is hindering me from obtaining credit for personal and household purposes. 

Please see attached.

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 2023-04-19
Company: EQUIFAX, INC.
State: OH
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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: Nelnet, Inc.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet does not follow your requests to allocate extra payments to the highest interest rate, thus you are paying more interest over the life of the loan. They also " magically '' move money to a group that was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: DC
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 several credit inquiries from multiple companies on XXXX XXXX, XXXX. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did XXXX all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. XXXX -XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX 

Experian replied to a recent complaint references a different account that was open by my on the XXXX for a personal loan. These inquires are not with the company I acquired my loan with and I did not authorize them. I request Experian to validate again these inquires as they are not open accounts and were authorized by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX # XXXX, 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 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
There are accounts on my consumer report thats is identity theft. I didnt provide written permission with a wet signature for them to be reported on my consumer report. I reached out to you recently to fix these! Im requesting that this info is blocked and deleted ASAP.. You have caused me mental and financial stress when you issued an items that does not belong to me and in which I am not responsible for. I'm seeking litigation if this complaint not being handled accordingly. I have not been able to puurchase my dream house and provide for my family needs due to these fake, inaccurate and fraudulent items showing on my credit record. I attached a letter that I previously sent.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: FL
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 reviewed my credit report, I discovered that some of the information was erroneous.The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverifiedinformation without providing any proof within the period allowed by law. The account needto investigate and correct for erroneous reporting in my file and is listed on my creditreport : XXXX XXXX XXXX XXXX : {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
This is nothing short of predatory behavior where consumers are taken advantage of and there is no recourse. 
I retired last XXXX and is trying to pay off my loans and mortgage. Each time I do something positive my credit score is lowered. This low number is then exchanged with my insurance companies who in turn increase my premiums goes up. It feels more like a scam which needs to be corrected. 

For example : On XX/XX/2023 I received this message from Experian. 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness.

Reason - Nice job paying off your loanyour account was last reported as having a Loan Outstanding, but now it's showing as paid with a zero balance. 

On XX/XX/2023 I received this message from Experian. 
Your FICO Score has decreased XXXX points to XXXX. Even though your FICO Score went down, your Credit Rating did not so it should not impact your credit worthiness.

Reason - Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 
I paid my Home and Auto insurance and my Current Balance on my credit card was {$1600.00}. My credit card is paid off every month and there was never a late charge. 

This credit score number is a scam and should be properly regulated of eliminated. 
Thank you 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