BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
For some reason Experian always hinders my credit score. My score with XXXX is XXXX as of XXXX/XXXX/2016. I was talking with XXXX Bank and they reported a XXXX score by Experian.That is XXXX points less. This happens with a regular basis and consistently holds back minorities ability to purchase a home.Consumer Financial Protection needs to look into why is there such a discrepancy.

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 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Related case XXXX can TransUnion put up such a fight to remove items from XXXX XXXX XXXX when XXXX has admitted that there is no proof of me being late on this credit card listed on my file? 

How can TransUnion say an they have verified an item with the original furnisher when the original furnisher ( XXXX ) has addmitteed that they do not have a record of me being late? Please see attached recorded call. 

This raises a lot of other issues including, but not limited to FCRA section 623.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I noticed about a dozen charges to my Chase XXXX account beginning on or around XXXX/XXXX/15 in Pennsylvania, New York and California. I have never been to these states and never have used my card. I called Chase XXXX at XXXX and the person told me that my card had been compromised, but that they would immediately reverse the charges and send me a new card. I have now called XXXX ( XXXX ) additional times, each time the person told me that the charges would be reversed and a new card issued. I still see the charges on my account when I check online, and I still have no replacement card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The credit reporting agency told me if the court couldnt prove the lien was mine, they woould remove it. They said all I have to do is wait XXXX days and it will be removed. After the other two credit reporting agencies removed the erroneous report off of my name instantly with the IRS document I provided, they decided it wasnt good enough. Then I continued sending in IRS documents that the IRS said would clear my name, the whole time they did not tell me each time I send new information in, it resets the XXXX days I have to wait. So today I finally found out ( now that it was about to be XXXX days ) that they have been resetting my XXXX day wait period. Now I have had destroyed credit that continues to go on and on. They do not know how to read the IRS documents and are accusing me of something the IRS said they should easily be able to read. The complaint I have is that they were not honoring the initial XXXX day window to clear my name if not proven guilty, now it is getting closer to XXXX month I will have to wait. They should not be able to assume I want to extend my XXXX days by sending them new information that is only extending my time for my name to be cleared. They did not tell me they would do this, and it has really hurt me financially and is continuing to. They should have to disclose to the disputing party that any information sent resets the XXXX day waiting period, otherwise that means a person is claiming to be guilty because why would anybody want to wait longer when they know the initial debt collecting party can not prove anything because it is false.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: I.C. System, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  report number XXXX. 
I have previously disputed and had this same collections from XXXX XXXX removed XXXX times. This is the fourth time it has returned. I disputed it again and was not successful in having it removed, submitted a follow-up dispute on their failure to remove it, and the collection remains on my report. I believe it stems from identity theft around the first time I discovered the collections. I had to also remove an address from a state I've never been to. 
I want this collections removed from my report, and I'd like to never be inconvenienced by it again. 
My previous successful reports are XXXX, XXXX, XXXX, and the removed address 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 2016-09-07
Company: MILEND, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I wanted to refinance my condo. I was contacted by MiLend Phone number XXXX they are located at XXXX XXXX XXXX XXXX, # XXXX, XXXX, GA XXXX My contact name is XXXX.After weeks of supplying documents and paying for an appraisal, I was refused the loan. 
The grounds were I did n't live In my condo? And. this condo they say is an investment property and they could offer an investment mortgage at a percentage point higher. I needed to prove I live there. I provided proof from the borough showing no rental occupancy, from my voter registration card showing I lived in this condo, from my tax return showing the mortgage payments and interest were takien off my tax return as a personal home. I do not think it is fair that I was refused the loan After providing so much proof I live there. 
My credit scores are in the low XXXX He should n't of had me pay an appraisal fee first.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

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 2015-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I tried to obtain a free credit report from Experian, because I was denied credit over a month ago, but my request was denied. 
Today when I paid for it, I was able to get the report. 
On that report, there are names I did not recognize, and wrong information. 
I tried to open a dispute and was denied. 
So Experian has to be paid for everything, otherwise I can not move forward with the dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I called Experian on XXXX/XXXX/16 to get inaccurate addresses and phone numbers removed from my report. I told them the only accurate address was XXXX XXXX XXXX XXXX XXXX Ct XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX. I did n't even get to address all the inaccurate phone numbers on my report. The only number that should be reporting is XXXX. I did not have an issue with XXXX and XXXX removing these inaccuracies from my report. Experian is violation the Fair Credit Act and my rights by not removing these inaccurate items.

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 2022-11-07
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Equifax, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE this damaging information from my file right away! 

XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: HYUNDAI CAPITAL AMERICA
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: Their investigation did not fix an error on your report

Complaint:
XXXX Dear Sirs and Madams : Hope you're well. I had a XXXX lease for a XXXX XXXX XXXX that matured in XX/XX/XXXX, at which point, I returned the car. I ended the lease with a flawless payment record. At some point, over a year later, I noticed that the XXXX account had been reporting as late and a charge off on my credit profile with the three major bureaus - XXXX, XXXX and XXXX - for 14 consecutive months ( XX/XX/XXXX XXXX XX/XX/XXXX ) (!!!! ). I immediately inquired about the derogatory remarks by contacting Hyundai ; Hyundai stated that there was an unpaid balance, perhaps for damages. Hyundai also mentioned that they would fax me an invoice. Unfortunately, I had never received any invoice at all from Hyundai after I returned the car in XX/XX/XXXX and I didn't receive the promised fax after I called Hyundai about my credit profile. Finally, I managed to obtain ( through my own efforts ) an invoice for post-lease charges and I paid the balance immediately. 
The fact that I did not receive an invoice from Hyundai for the post-lease expenses until I called them over a year after I returned the car, is now causing 14 lates and a charge off status on my credit profile through no fault of my own. Due to the fact that a post-lease invoice never reached me, makes the negative remarks and charge-off status on my credit profile misleading and untruthful, despite the protection offered by the Fair Credit Reporting Act. There must be policies against such unfair business practices. My Hyundai account should rightfully reflect the flawless payment history that I maintained for the life of the Hyundai lease, without punishing me for the fact that Hyundai failed to inform me of post-lease charges for over a year, and which I paid immediately upon obtaining through an invoice through my own efforts. I have contacted Hyundai credit dispute department by mail and received an unacceptable, canned letter in response not even recognizing what had actually happened.

Please let me know what can be done to restore my credit worthiness.

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 2022-11-07
Company: Experian Information Solutions 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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE this damaging information from my file right away! 

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 2021-03-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company called every day repeatedly as early as XXXX to try to collect a balance that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
At the beginning of the pandemic hard times fell upon my family within my household. Home Point Financial offered me a forebearance option to get things situated and everyone safe. I applied for the forebearance but only needed it for four months ( XXXX-XX/XX/2020 ). I was current on all payments before that. Since XX/XX/2020 I have made all payments to date. I was originally told that I would have options to repay the four missed payments and that I would be able to choose one most suitable for my family. That is not the case. I have spoken to representatives for the past nine months appealing the only option they are now offering me which is to do a loan modification that restarts my loan at its original 360 month terms. They have tacked {$9000.00} onto my principal balance. The interest rate, even though they dropped it .25 % from XXXX to XXXX seems to increase my payment by {$25.00} a month. All I need is for the four delinquent payments to be added to the end of my loan. Such a Deferral was in fact listed as an option when the plan originally went into affect. If I accept this proposed loan modification I will lose 18 months of payments and add another 18. This is over {$60000.00} that I will be in essence paying for what appears to be a great injustice given the global and national crisis at hand. I can only imagine how many others are being taken advantage of by HomePoint and XXXX XXXX. I have contacted both XXXX XXXX and HomPoint continuously with horrible responses and no compassion. The VA has stated that they have now power or control of any terms being offered. Please help! We need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I can not access my anual report it says I am not 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 2022-11-07
Company: Nelnet, Inc.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am being taken advantage of by XXXX, XXXX, and XXXX. These three companies are violating my rights given to me by the FCRA ( Fair Credit Reporting App ). I DID NOT give them permission to access my NON PUBLIC PERSONAL INFORMATION nor did I CONSENT for them to furnish anything on my consumers report/credit. According to 15 USC 1681 ( b ) ( 2 ) my permission is needed for ANY PERSON to access or furnish anything on my consumer report! Yet once again that permission was not granted by me. Not only are inquires being reported without due cause, but my rights to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 USC 1681 ( a ) ( 4 ). I demand that each and every item I disputing to be removed. There is no way any person can validate fraudulent activity! I have paid every single month on time but have yet to receive a respond to have this garnished off my 3 reports. Due to my identity being used without my consent this is basically theft as defined by 18 USC 1028 ( a )! Please remove all request as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: Experian Information Solutions Inc.
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:
I am filing this complaint because my request to provide me with the documentation that their company has on file that was used to verify the account I disputed, has been ignored. Being that they have gone past the 30 day mark and can not verify these accounts, under  Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

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 2015-06-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent, via certified mail, a formal dispute of items contained in my credit report, accompanied by copies of my driver 's license and Social Security card, to EXPERIAN. The attached document is their response to me, which you will see is a refusal to investigate my dispute because they viewed it as a " suspicious request ''. It is my understanding that EXPERIAN 's tacit disregard of my request is in direct contradiction of FCRA, 15 U.S.C. 1681i ( a ). I greatly appreciate you investigating my complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: National Credit Systems,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:
Last reported XXXX XXXX National credit system XXXX XXXX on XXXX XXXX XXXX XXXX. 
open XXXX XXXX ( THIS WAS NOT ON previous credit until I personally made a complaint about the wrong dates and information )

Company response to consumer: Closed with explanation