BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: Chime Financial Inc
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Chime credit repair company I called them to delete my account because I don't have access to my account due to me losing my credit card. I spoke with a representative and they tired to open a new account do to me not having access to my old account via online. All the Info that I gave them which was my address last four of social security number and name and birth date was correct they continue to ask for a picture of me so they can verify me through email which was suspicious activity to me so I asked them to simply delete my account which they would not. I would like my account delete from chime and to not use their services or have my info given out to them. You an contact me back at XXXX or by cell at : XXXX Thanks in advanced

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Recently, I did another investigation on all three credit report ( XXXX ) which caused severe XXXX, XXXX stress and trauma upon me and have still found unverifiable, invalidated, inaccurate, and questionable items that their agency didn't make sure was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies are still stating that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies still showing on my report? ACCOUNT ( S ) ARE AS FOLLOWS : Account name : 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 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 XXXX XXXX XXXX XXXX IN ACCORDANCE TO FCRA LAWS the above, 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 an 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 non-monetary relief
Consumer complaint received 2023-12-10
Company: United Shore Financial Services, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have tried to contact the company for days and they will not answer. They state that they are open during specific business hours and they when you call, they say they are closed. They have been " closed for a data breach '' for weeks.

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Notice Without recourse / without prejudice UCC 1-308 Notice to Respondeat Inferior is Notice to Respondeat Superior Notice to Respondeat Superior is Notice to Respondeat Inferior Silence is Acquiescence, Agreement, and Dishonor ; Estoppel conditions apply upon default A. Do to non-disclosure and breach of fiduciary duties.

As follow : 1. Im not been notified of a credit check.

2. Improper presentation to consumer credit, Inquiries, Debt to ratio, Short credit length. 

These things are hurting XXXX. Correct any Damage to me and my credit and or credit report to reach XXXX Score. 

Example : Opt-out. Dont show, Inquiries, Debt to ratio, Short credit length. 



B. For the resulting breach of trust.

Breach of personal Information hack/leek. How will I be compensated.

C. If the request is rebutted, show the law where it says you cant do that.

15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

[ consumer/beneficiary : jorge f avila celedon ] 2815 Schoolhouse Lane APT 9 Cambria, CA 93428 I believe i dont have account with this person. in case i happen to have a account i request to have it closed/remove immediately. as i have no recollection.

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 2023-10-07
Company: EQUIFAX, INC.
State: NY
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:
Based on the provided credit report information from XXXX, XXXX, and Equifax for the XXXX XX/XX/XXXX account, here are the inconsistencies and inaccuracies in the data between each credit bureau Account Type - Detail : XXXX and Equifax report " Revolving account, '' while XXXX reports " Credit Card '' as the account type detail. This is an inconsistency in the account type detail. 
Bureau Code : XXXX and XXXX report " Individual account, '' while Equifax reports " Individual Account '' as the bureau code. This inconsistency is minor but still exists. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}, '' while XXXX and Equifax do not provide this information. The inconsistency is that XXXX has a specific monthly payment amount, while the other two bureaus do not report any monthly payment. 
No. of Months ( terms ) : XXXX reports " Revolving '' under this field, while XXXX and Equifax do not provide any information. This inconsistency is that XXXX specifies the term as " Revolving, '' while the others do not have this data. 
High Credit : XXXX reports a " High Credit '' of " {$640.00}, '' while XXXX and Equifax do not provide this information. The inconsistency is that XXXX reports a specific high credit amount, while the other two bureaus do not report it. 
Payment Status : XXXX reports " Charged off as bad debt, '' XXXX reports " Charge-off, '' and Equifax reports XXXX CO '' ( which also signifies a charge-off ). While they all indicate a charge-off, the wording and abbreviation used are different. 
Last Reported : XXXX reports the last reported date as " XX/XX/2023, '' XXXX as " XX/XX/2023, '' and Equifax as " XX/XX/2023. '' There is a discrepancy in the last reported date among the XXXX credit bureaus. 
Date Last Active : XXXX and Equifax report " XX/XX/2023, '' while XXXX reports " XX/XX/2023 '' as the date last active. This is a significant discrepancy in the reported date last active. 
Two-Year Payment History : XXXX, XXXX, and Equifax provide different information about the payment history for the past two years. Each bureau has its own set of months and year-specific data. This inconsistency is due to differences in how each bureau reports this history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
My car was stolen on XX/XX/XXXX. It was recovered on XX/XX/XXXX. My car was totaled. Insurance deemed it a total loss. I used capital one to refinance this car in XX/XX/XXXX, at that time I had to submit title paperwork etc. My insurance has been waiting to send the total payout, but come to find out capital one never perfected the loan last year during my refinance. This has caused extra amounts building against my loan. The title is still not perfected. 

The title was perfected on XX/XX/XXXX and my insurance company still can not get a hold of this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2023-11-07
Company: Upgrade, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I am writing to express my deep dissatisfaction and frustration with Upgrade , Inc., with whom I maintain an account. I want to formally complain about their unjustified refusal to grant me access to my {$2000.00} credit line, even though I was only seeking a modest {$630.00} from my available credit. Despite my unwavering efforts to provide all the necessary documentation to enable this access, Upgrade has consistently failed to meet my request. This experience has left me extremely dissatisfied and inconvenienced. Furthermore, I would like to draw your attention to the fact that the United States Code Title 15, Section 1611, guarantees consumers the right to access their credit information and mandates that institutions such as Upgrade , Inc., must provide this access in a timely and nondiscriminatory manner. The deliberate denial of such access without valid justification constitutes a clear violation of my rights under federal law. 

As a loyal customer with an active account at Upgrade , Inc., I am entitled to access and review my credit information as provided by the relevant laws and regulations. Despite my full compliance with all of Upgrade 's documentation and verification requirements, they have unreasonably denied me this access, infringing upon my rights and causing me considerable distress. This is a clear breach of the legal obligations imposed upon them, and I am deeply disappointed by their disregard for the law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CITIBANK, N.A.
State: CT
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 any purpose.

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 2023-10-20
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was asked to cosign a student loan for my nephew over 20 years ago! He graduated, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I heard nothing until a year or so ago. Then, my credit score began getting negative ratings. I personally have never missed a payment. My previous score was over XXXX. 
I checked who was making the negative submissions. It was NAVIANT. I called my nephew and he told me he was having trouble making the {$90.00} minimum payment.

I believe that after so many years, with NO contact from NAVIANT, and they begin to attack my credit, this is akin to blackmail! It makes me look bad to my creditors etc. with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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:
I have no knowledge nor did I authorize/consent to the following inquiries 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

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 2023-05-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, which is required by law ( FCRA ) and reporting standards like METRO 2. So please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I would like to take my money back from my SAVING ACCOUNT more than 10months but the bank refusing to do that.I called them visited to their location a lot of times to solve this problem I provided all my personal information to them so they can verify my indentity and give me my money but they are refusing to do that.Last time they told me that my account is frozen and they can't give me my funds back only security departpment can unfreeze my account so after that they can give me my funds back.I called 100 times to their security department every time waiting time is more then 2 hours and no respond.please help me to solve this problem. 
Thank you

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 2023-09-19
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have inaccurate information on my credit report that does not belong to me. I sent my letters and the FTC report to the credit bureau, and they do not want to remove the accounts that do not belong to me XXXX report 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 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 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 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 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Nelnet, Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/23 NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT For several months now I have requested that Nelnet directly report to XXXX that my loans are paid and closed out forever. XXXX continues to report incorrectly, that the balances are unpaid and due in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was a day away from closing escrow, when my realtor alerted me that some company by the name of XXXX XXXX XXXX XXXX XXXX has placed a possibly fraudulent assignment on the title of my house at XXXX XXXX XXXX in XXXX XXXX ca XXXX, on or around XX/XX/2017 right around the time that my current lender re -branded itself as MRCooper   because of several pending lawsuits against them. 
It has been over a week that I have been trying to find answers from Mrcooper to try to remedy the cloud on my title and they keep on giving me the run around! 
I found out that Nationstar might have gotten a hold of my subprime mortgage from a know predatory lender ( XXXX XXXX XXXX ) as a part of an illegal loan modification performed by the now jailed attorney doing business in XXXX  and XXXX ca DBA XXXX XXXX XXXX.I urge you to investigate this matter further as I will for sure be loosing my buyer! 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: MID FLORIDA FINANCING LLC
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation