BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: Experian Information Solutions 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:
Experian is reporting information that I didn't give them written consent to report. The accounts are XXXX account # XXXX, XXXX XXXX XXXX  account # 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 2018-11-30
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: Account status incorrect

Complaint:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
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: Account status incorrect

Complaint:
Had difficulty contacting student loan grantor to submit forbearance/deferment request and representative at my college institution was not properly assisting me in getting the forbearance/deferment request submitted. I initially tried to contact school and loan grantor to set up arrangement in XX/XX/2018 and did not manage to get forbearance/deferment completed, accepted and posted until XX/XX/2018. Due to this the loan grantor reported on my credit that i was delinquent on each student loan debt as the full amount is currently broken up into parts on my credit report. The forbearance/deferment request was accepted and on my credit is says that i was late to make the payments however this was not due to my own negligence but rather was due to the loan grantor and school not assisting me in a timely manner to get the request processed.

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 2022-08-24
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In Accordance with the fair credit reporting act 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2018 : A debt collector has reached out to me via phone to collect a debt for XXXX from 5-1/2 years ago. There has been no prior billing for this fee. I asked them for written verification of the details of what this bill is for and they stated that they could not provide but I needed to pay the bill. 
XX/XX/2018 : Received a USPS mail communication dated XX/XX/18 providing the requested information. Attached was a bill from XXXX showing a payment received of {$360.00} with a balance due of {$140.00} from XX/XX/18. 
XX/XX/18 : called Southwest Credti at XXXX and spoke to XXXX XXXX. She reviewed the collection and was not notified in her system of a 5 year statute of limitation in Illinois and they have a policy not to dismiss any debts. I asked her to verify that they would no longer be contacting me on this debt and she agreed. She then told me she would transfer me to the Executive Relations Manager as I told her I was filing a claim with the CFPB. I was put on hold for several minutes and then directed into a voice mail for the Executive Relations Manager. I did not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The TransUnion credit freeze website has been down since yesterday XX/XX/18. I have checked multiple times on the status of the credit freeze site and it is still down. It makes no sense for a law to be passed for free credit freezes if it is impossible to access the site to freeze your 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 2018-11-30
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: Personal information incorrect

Complaint:
Equifax Confirmation Number : XXXX. Equifax has reinserted previously deleted information ( i.e., previous address ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. I was never notified of such reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). Equifax is well aware that a extended fraud alert and security freeze are in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. Equifax is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My Equifax file should only reflect such information. There should be no previous address in my file. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following address does not belong to me, I have never lived there and it should be deleted from my file immediately : ( previous address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Reported : XX/XX/2018. ) Please provide me with the source verifying this incorrect and mixed address. Please provide me with the method of verification for obtaining this mixed address. I have attached a copy of ReInvestigation Results from Equifax showing the previous address listed above was deleted because it was " mixed. '' Attachments : Driver license, social security card, equifax reinvestigation results from XX/XX/18, Equifax credit file from XX/XX/18.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Healthcare Receivables Group, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
HIPAA Violations the bottom line is that all these violations relate in some way to the loss of HIPAA protected health information HIPAA is any demographic information that can be used to identify patient Common examples of PHI include names dates of birth addresses phone numbers email addresses Social Security numbers of insurance ID numbers of health care records and full facial photos to name a few. 
All of these accounts are identity theft. 
Definition of Identity Theft Noun The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/TURST account, usually for the purpose of financial gain. 
Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: JPMORGAN CHASE & CO.
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:
This has been a reoccurring problem I have had with Chase. On XXXX XXXX, 2017 my credit was ran once again without my knowledge/permission with a fraudulent application. I spoke to Chase and they only removed the prior fraudulent inquires not this most recent one. This is now the 4th time someone has attempted to get a Chase/Amazon card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a loan from Rocket Mortgage on XX/XX/2022. I was told that when my previous home sold I could put a lump sum payment onto my loan. At this point they could redo my loan. The interest rate would stay the same but the payment would be lowered.The fee for doing this would be {$100.00}. When I called to do this I was told I had to have XXXX payments made on the current loan. After I made the XXXX payments I called again and was told it had to be XXXX payments. After I had done this, I called again and was told if I had made XXXX payments they could also get me a lower interest rate. I said sure, she did my loan as a refi and there was to be a {$14000.00} cost to do this. I told them forget that just do the the original offer same interest rate with a lower payment. I was then told I needed to have the XXXX payments and a extra payment on the prinicpal of {$10000.00} and the fee is now {$250.00}. 
They told me NOT to pay the extra lump sum on loan. 
I'm a senior age XXXX and they took advantage of me. 
I fill like this is a bait and switch game. 
Every time I called different answer but always for me to make additional payment at larger loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Navient Solutions, LLC.
State: MA
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:
I have a consolidated XXXX loan that is serviced by Navient. My loan originated in XXXX with an interest rate of 4.375 %. I have faithfully made all payments for the past XXXX years. In or about XXXX, XXXX I enrolled in XXXX with Navient, which entitled me to a .25 % interest rate deduction on my loan and monthly payment amount. My minimum monthly payment ( without the interest rate deduction ) was calculated at {$440.00}, which is the required minimum amount I have been paying since XX/XX/XXXX ( based on XXXX records- for which I doubt the veracity thereof. Navients processes and communications are repleat with errors ). Navient has acknowledged, in writing, repeatedly, that Navient ( either intentional, recklessly or negligently ) used the wrong interest rate my monthly payment amount for 15 years. Even according to XXXX own correspondence, they have acknowledged that, for the period XX/XX/XXXX to present they were using the wrong interest rate ( Navient used XXXX instead of my actual interest rate of XXXX XXXX Thus Navient wrongfully collected and retained thousands of dollars ( over the course of XXXX years ) to which they were not entitled. That was my money, it should have stayed in my pocket and earned interest. Navients responses to my complaints have been along the lines of even if though we calculated your monthly payment amount using the wrong interest rate, you ultimately owed more money than we collected ( ie my total outstanding loan balance/interest exceeded the overage amount Navient wrongfully collected and retained ) so we did nothing wrong ; we will not return these overcharged payments to you and we did nothing wrong by collecting more than we were entitled to. I want my overpayments returned to me, plus Massachusetts statutory interest applied to those amounts for the 15 years during which Navient overcharged me, wrongfully retained said overpayments, and their false, deceptive, misleading and fraudulent communications surrounding this matter which were designed to obfuscate Navient wrong doing and, by proving false and fraudulent information, dissuade me from pursuing rightful compensation in this matter. I demand Navient reimburse me well over {$5000.00} in actual and punitive damages as allowed by applicable federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had been in repayment with Sallie Mae/Navient for over 15 years. i needed reduction of payments, but i also wanted to pay pff principle. Over the course of 7 years, my principle never went down until an associate finally understood what I wanted. I did not have help from my family or parents on finances, and was ill informed and given repayment options that did not meet my needs. I would have never taken out that much money if I knew I to use the option to repay, nor would I have chosed anything that gave me capitized intreest charges. How can a company get away with students not paying down the princiaple for over 10 years??? that shoudl be illiegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Mr. Cooper Group Inc.
State: TN
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:
Reporting late payments. 
accordance to 15 USC 1618a ( 2 ) Exclusions.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for assistance with Texas homeowner assistance Fund on XXXX and they denied my, case # XXXX, it was updated on XX/XX/XXXX. My payment was XXXX and all of a sudden when covid hit, they went up to XXXX in which caused me to experience hardship. I contacted wells fargo to let them know I was going to apply for the XXXX on line on XXXX. they paid only my HOA dues only, everything was submitted and they keep having me to continue sending same infomation for app. I keep submitting what was needed. My second case # I applied was updated XXXX on XXXX. the third case was # XXXX and they said I did not have any delinquency. I updated again on XX/XX/XXXX and after that update they said I can nolonger submit another XXXX XXXX, they were going to investagate. they fedX me some paper on XXXX XXXX to pay XXXX by XXXX XXXX to avoid acceleration. I tried to make a payment of XXXX in which they had on my statement, but when I try to pay it on my account it had XXXX and it would not allow me to pay the XXXX they also had XXXX payment also, I am confused, this is not truth in lending.

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 2022-12-29
Company: EQUIFAX, 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:
I am a Federally Protected Consumer and I know I'm protected by the FAIR CREDIT REPORTING ACT. EQUIFAX AND XXXX XXXX XXXX appear to both be Violating my F.C.R.A rights by furnishing and reporting Inaccurate Information on my Equifax credit report. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX is furnishing to EQUIFAX " DUPLICATE ACCOUNTS '' but with different balances, with negative information late payments, and showing a false installment account total of {$31000.00}. Having these duplicate accounts with false inaccurate damaging information reporting on my credit report has stopped me from extending credit which is my FEDERAL RIGHT to operate in commerce. I only want at this point is to have BOTH accounts furnished by XXXX XXXX XXXX AND REPORTED BY EQUIFAX DELETED IMMEDIATELY PER THE FAIR CREDIT REPORT ACT so I can have a fair and equitable to me credit report which is my FEDERAL RIGHT. These duplicate accounts are clearly in Violation of the F.C.R.A I'M ASKING FOR THE CFPB TO ENFORCE THE COMPLIANCE OF THE CONSUMER FEDERAL PROTECTION LAWS ESTABLISHED BY CONGRESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: SYNCHRONY FINANCIAL
State: MA
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/2021 Synchrony bank/ Paypal has accessed my credit report from XXXX XXXX I have never contacted or seek to get any kind of financial product from the company. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a clear violation of my rights.

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 2023-01-29
Company: Marlette Funding, LLC
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is incredibly horrible. 
My new credit card company " best egg '' aka " XXXX XXXX '' has just cost me a bundle. 
They wrongfully charged my checking account twice and I got NSF fees from my bank. Then they proceeded to charge me an NSF fee themselves. 
I wrote them about it but they did not resolve this matter voluntarily. 
I just sent all of the money that I was supposed to pay them. 
They are claiming I still owe them hundreds plus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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 XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently singed up to XXXX XXXX to review my credit report and notice a fraudulent account on my report being with XXXX. I mailed in my ftc.gov report to the credit bureau to fix this issue on my account and the account is still being shown

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: LEXISNEXIS
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:
On XX/XX/2022, I completed a CFPB complaint on XXXX, XXXX, Lexis Nexis, XXXX, and XXXX regarding a bankruptcy report that is showing on my credit report. This is inaccurate information. None of the credit bureaus responded to a letter that I previously sent them in XXXX of 2022. So, I had to do a CFPB complaint to get some actual results and that still wasn't to my satisfaction as there was no method of true verification. The following are the laws that were violated : 1. 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 2. 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction 3. 15 usc 1681a- ( e ) I did not give a Permissible purpose nor did they have my written instruction. I also contacted the US Bankruptcy Courts and they mailed me back a letter dated XX/XX/XXXX stating that they do not send information to the credit bureaus. So, the claim that it was verified by the US Bankruptcy XXXX XXXX XXXX, MD is not accurate. XXXX  also states on its website that they do not provide information to third parties either. I will be attaching both of those to this complaint. I will be attaching my driver 's license and a copy of a power bill.

Company response to consumer: Closed with explanation