BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have never made any of the following hard inquires that are showing on my profile from the following These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, XXXXXXXX XXXX XXXX Inquiry date XX/XX/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 2022-05-16
Company: CADENCE BANK
State: TX
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:
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 reportinn 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 response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CITIBANK, N.A.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Been in the re modification stage of my mortgage loan for 7 months. Was stated that it would be ready in XX/XX/2015. Mortgage company still has yet to finish the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Experian Information Solutions Inc.
State: MN
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:
The following accounts and balance listed on my Experian and XXXX credit report are lost/stolen and fraudulent transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$450.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$590.00}. The credit card accounts and credit cards are lost/stolen.

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 2022-10-17
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
They never told me I have a right to dispute also I sent them a debt validation letter I asked about information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g The document they sent me the judge name and date is not on there its blank it looks they put there name on because it's from 2013 why would they just now contact me about it. Another collection contacted me about this before they didn't provide any proof they own this debit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
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:
Pentagon Federal Credit Union is reporting to Credit Bureaus fraudulent information about a Credit Card account that i never had. I talk to them numerous times but still reporting to the bureaus that damaging my credit file and preventing to get new credits.

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 2015-06-05
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a card with Chase for many years and I spend a lot of money with the card. I have had couple of instances that I have disputed a charge with them, but their dispute resolution department is very bad at responding to issues. ON this last one, I have started the process XXXX, every time, I have sent them documentation, and after 2-3 weeks I get a letter back from someone saying that they didnt get documents, so they are not doing anything or that they do not feel that I have a case without a reason. 

The same is true with all of the services that Visa offers. Like purchase protection, theft protection, extra warranty, and .... Every time, this is a bust.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am a victim of identity theft and XXXX XXXXXXXX, XXXX XXXX as well as XXXX XXXX has fraudulent information on my credit profile.

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 2016-08-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX is reporting inaccurate information & damaging my credit. XX/XX/XXXX, we agreed to a settlement. In the settlement, the bank agreed to remove all account information on all credit reporting agencies. They agreed it would never be reported again. On XXXX XXXX, XXXX I ran my credit & found the information still being reported. I contacted all XXXX credit bureaus & subsequently contacted the data furnisher to remind them of our agreement. XXXX & XXXX removed the account without any issues but Experian continued to report the acct. I instructed Experian of the error again & they informed me to contact the data furnisher. So I sent off a letter to the data furnisher on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I had received nothing from the data furnisher, so I mailed a new letter to Experian to ask them to remove the account from my file. On XXXX XXXX, XXXX I called Experian to check the status of the account & they informed the account was still listed on the report. They also said me there was nothing they could do unless the data furnisher removed it from their records. I 'm filing a complaint for the lack of accountability with Experian. I 'd like Experian to be held accountable for sections 609, 611, 616 & 623 of the FCRA. The information listed is inaccurate & damaging my credit. Attached are the documents sent to Experian & the data furnisher. I like this account removed IMMEDIATELY!!!

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 2016-10-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The inquiries below I did not authorize. I asked one dealer to go through open bank and they shopped my credit report around without my authorization. 



XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX XXXX Date : XXXX XXXX, 2016 XXXX OF XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX Date : XXXX XXXX, 2016 XXXX XXXX Date : XXXX XXXX, 2016

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently received a copy of my TRANSUNION credit report, and I noticed Utilization posted on my credit report on the listed accounts : XXXX  XXXX - Account # XXXX XXXX  XXXX - Account # XXXX XXXX  XXXX - Account # XXXX XXXX XXXX XXXX  - Account # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person [ TRANSUNION ] that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

TRANSUNION HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

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 2022-08-17
Company: EQUIFAX, INC.
State: VA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX ( SSN : Ending in XXXX ) and I am submitting this complaint on my own behalf, there is no third party or authorized representative speaking on my behalf. I am a Federally Protected Consumer and am well studied in my rights under the FCRA, TILA and FDCPA. It is a fact that the consumer has the right to demand PROOF OF CLAIM when a " creditor '' claims that there is an alleged debt that the consumer is liable for. I have demanded the original lawful contract that provides who the original creditor was, where the lawful contract was originated, etc- of DISCOVER BANK and they have defaulted on my contractual terms. I then sent them a notice of fault to give them one more chance to remedy the injury caused to me, the natural person, and they defaulted on that as well. They have been calling me DAILY, leaving me 2-3 voicemails A DAY- despite the fact that my original demand for PROOF OF CLAIM also included a clause to CEASE AND DESIST. DISCOVER BANK has been violating my consumer rights and harassing me DAILY over an alleged debt that they can not provide sufficient evidence that I owe. This matter will be forwarded to the FTC, the Attorney General, and the OCC next.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 an 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 2022-08-17
Company: Experian Information Solutions Inc.
State: AK
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:
In XX/XX/XXXX I applied for, and was granted, Covid-19 mortgage relief. The first payment relief date was XX/XX/XXXX. 

At that time I was still current on my loan. The investor was XXXX XXXX & my loan was being serviced by XXXX XXXX XXXX. 

In XX/XX/XXXX XXXX XXXX sold the loan. Im not sure who the new investor is. The relief period ended in XXXX, XXXX. I made all 3 of the trial payments on time-XXXX, XXXX and XX/XX/XXXX. My mortgage account servicer, XXXX XXXX  XXXX, reported my loan past due for XXXX, XXXX, and XXXX. All 3 of those payments were made on or before the due date. 

My mortgage account is with XXXX XXXX  XXXX. 

I have complied, on time, with all of the conditions of my loan agreement ( s ).

I believe this is very unfair and against the intent of the US Governments Guidelines regarding Covid-19 forbearance policy.

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 2016-11-21
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Texas Office XXXX XXXX XXXX XXXX is reporting, 150 days delinquent on payment. Payment was stopped by the XXXX financial office 6 months ago, due to no required payment from me. XXXX began reporting on my credit report that I am delinquent, latest report XXXX, despite numerous assurances from XXXX staff the credit reporting would stop.

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 2017-03-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is still listing an account that is past the 7 year reporting period. 
XXXX XXXX XXXX, account number XXXX. 
I have attached a copy of my Experian report which reflects how this account is reporting. Please notice the STATUS DETAILS which states : This account is scheduled to continue on record until XXXX 2017. Yet it is still listed on my credit report. Experian is the ONLY credit reporting agency to report this account.

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 2022-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I applied for, and was accepted, for the Capital One XXXX  XXXX credit card. 
The card was delivered on XX/XX/2022. 
The annual fee of {$390.00} was billed to the card shortly thereafter. 
The first time I tried to use the card the transaction was declined. 
I called customer service and they said the card is " restricted '' and can not be used until it is unrestricted. 
They said they require proof of address and personal identification in order to unrestict the card. They declined my request to refund the annual fee while the card was restricted. 
I sent them copies of documents they requested, including XXXX XXXX XXXX, XXXX, and copies of bank statements showing my home address. 
They refused to accept a bank statement from XXXX Bank as proof of address because the account number was masked by the bank. 
They refused to accept a second bank statement from Capital One bank as proof of address because I could only produce a screenshot and not an actual printed statement. I explained to them that my Capital One bank account will not let me print paper statements. 
I explained to them that I do not have utility bills in my name as I live in my in-laws home. 
They said that they could not verify my home address - even though I bank with Capital One bank - and therefore they can not unrestrict the credit card. 
On XX/XX/2022 I tried in vain one last attempt to speak to Capital One Credit Card Services in attempt to have them unblock the credit card. That attempt failed as they said there was nothing more they can do. I then requested that they close the credit card account and refund the annual fee of {$390.00}. They agreed to close the account but refused to refund the annual fee. I politely explained that they had no right to charge me a fee for card that they will not let me actually use, nor ever did let me use. They seem to think that I can magically produce documents I don't have and get the card unblocked. I spoke with an account supervisor XXXX who stubbornly refused to refund the annual fee, insisting that she can not do anything until the account was verified -- though she admitted she had the authority to reverse the annual fee but declned to exercise that authority. I got agitated, and she hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10
Company: Idaho Housing And Finance Association
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Idaho Housing Agency is reporting FORECLOSURE STARTED and paid foreclosure on credit but it was never a foreclosure. I need this fixed asap.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Nelnet, Inc.
State: SC
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:
This complaint involves Nelnet At or about late XXXX or beginning of XX/XX/2022, Nelnet took over servicing of my student loan ( from XXXX ). 

I have opted to pay while in school, and this was never a problem with XXXX, which ALWAYS properly applied payments! 

After it was transferred to the new servicer ( Nelnet ) on XX/XX/XXXX, I made a {$100.00} Payment ( via Nelnet.com ), which was taken from my XXXX checking account ending in XXXX. The Nelnet confirmation number is XXXX, and this is supposed to be applied to Nelnet XXXX Account XXXX. 

On XX/XX/XXXX, the payment posted ONLY to my checking account ; however, it was NEVER credited to my Nelnet account. 

I placed two ( 2 ) phone calls to Nelnet the first being at or about XX/XX/XXXX, and the last call being XX/XX/XXXX. Both sourced from my ( XXXX ) XXXX number with the purpose to inquire about getting the payment credited. 

The first phone call promised a call back, which did not happen. Both prone calls promised resolution, which has not happened. 

Thus far Nelnet has taken my payment but NOT credited my loan. It has been 14 days, and I have made an effort to have Nelnet resolve this, and they failed. 

Attachments : Nelnet Payment.jpg ( Scanned payment printed Nelnet website after making payment ) Nelnet XXXX Screenshot.png ( Screenshot of my XXXX checking account showing payment taken out ) Nelnet Loan Details.png ( Screenshot from Nelnet website showing this student loan ) Nelnet Payment History not Showing.png ( Screenshot from Nelnet website showing no payment history despite me making a payment that was taken out )

Company response to consumer: Closed with explanation