BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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 to the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.

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 2022-04-18
Company: Experian Information Solutions Inc.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.

15 USC 1681 Section 602 A 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 written consent Type this out exactly in this box of you want to input your info and remove instructional verbiage

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 2015-08-18
Company: Southern Management Systems Inc.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I did signed as a grantor for a lease to one XXXX XXXX who longer longer live on the property [ he did told before he moved out that he has paid all outstanding debt ] until a collection agency [ Southern Managmentent Systems-+XXXX XXXX XXXX ] contacted me saying he not honored payment to an amount {$1000.00} and told me all their attempts to get XXXX failed.I did provide them with XXXX phone number and they confirmed he has acknowledged the debt and will make first payment on the XXXX/XXXX/15.Before this, southern management has gone ahead to place the debt on my records, their reason-they called me several times and could not reached me.When XXXX failed the honor the XXXX/XXXX/15 deadline one XXXX southern management systems called that, since XXXX failed I should start paid.I did paid {$120.00} with him agreeing to contact XXXX for payment of the rest.In XXXX I did not hear from XXXX of his efforts to getting XXXX to pay the rest of the money, I did paid {$220.00} anyways.Today XXXX/XXXX/15 I did respond to a missed calls from XXXX, in our talk I asked XXXX to tell me what efforts has has made so far to get the money from XXXX and also to removed the collection from my records since that collection report has made it difficult for me to make money [ can not longer trade stocks ] to paid off the debt.He told me he was not ready to do that and therefore report will remain in my records-he does n't care and hang up on me.Prior to this XXXX XXXX has always used verbal threats as mode of communication when he does n't want to answer my questions.He told me once his company does n't accept cheques ( which was my prefer payment option ) as a mode of payment, my checks on the company 's website proof this not be true-I have since told him he liar and any future liar to me will not be taken lightly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: SC
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 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 Accounts : XXXX XXXX XXXX XXXX- {$560.00} XXXX XXXX XXXX- {$1400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not initiated any transaction with XXXX XXXX via XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Best regards, XXXX XXXX cc : CFPB 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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am disappointed at the Credit Bureaus for doing nothing to remove the previously disputed Items completely from my Credit Report. I was a victim of Identity Theft and these items were incurred due to identity theft since I never authorized nor signed any paper which binds me with these items. How many letters do I still have to send for the Credit Bureaus to take action and have these items removed from my Credit report? I have read that th Credit Bureaus are required to remove any item that resulted due to identity theft within 4 business days. The last letter I sent to the Credit Bureaus was XX/XX/2022, a month had passed by already and upon Checking my updated Credit Report, I never seen any changes at all! I am persuaded to take legal action against the Credit Bureaus if they fail to remove the disputed fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX, XXXX, LA XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.0XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: AZ
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX- Account # XXXX All these accounts have violated my rights!!!!!!! 

15 U.S.C 1681 section 602 ( A ) States I have the right to privacy 15 U.S.C 1681 section 604 ( A ) section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive sent a letter to the the XXXX major credit bureaus ( XXXX, XXXX and Experian ) on XX/XX/2022 containing United States Law. These U.S codes contain and states information containing the proper use and rights of a consumers credit. The Credit bureaus didnt act and respond to the letter. As well, I was a victim of Fraud due to an XXXX XXXX resulting in my SSN card being lost. Ive sent my FTC report to the bureaus, to suppress the damages again resulting in no action. 

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692. Experian, XXXX and Experian 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

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 2022-04-18
Company: MIDFIRST BANK
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My wife had the responsibility for making the mortgage payments. I had no idea of the delinquent status of our loan until I was served with the foreclosure suit. Ive determined that my wife has been suffering from some sort of XXXX XXXX  and doesnt understand the gravity of not making mortgage payments timely. 

My wife indicates that she had previously requested forbearance under the CARES Act. After the foreclosure paperwork was received we received a demand for full payment of the loan. 

After receiving the foreclosure notice My wife applied for a mortgage assistance program and it took over a month to receive a denial with only a couple days left to appeal. 

The denial letter was dated XX/XX/XXXX. It was post marked XX/XX/XXXX. It allows 15 days from the date of the letter to appeal. 6 of those days expired BEFORE the letter was even mailed! 5 more expired while the letter was en route. 

Ive assumed responsibility for making mortgage and insurance payments for our family. I immediately began making payments of {$300.00} every two weeks via postal money order. I tried to establish a direct payroll draft but Midland has blocked that option for me. My payments were never posted to my account and returned by Midland. 

Midland posted a Deed in lieu of foreclosure on my credit report. At NO time did I consent to such an agreement. 

Ive provided proof of my income of over {$100000.00} per year to show my ability to make the mortgage payments. Ive been employed at my current employer for over XXXX  years so interruption of my income is not likely. Direct payroll draft would ensure that payments are made timely and regularly. 

I have a XXXX savings ( XXXX -type ) account with a balance of over {$170000.00}. I will not be eligible to withdraw funds until early XXXX when Im XXXX XXXX. My intent is to fully pay off the mortgage at that time. I will double-check with the fund to see if they have a hardship policy for foreclosures that will allow me to bring the account current. 

I am fully ready and willing to resume regular payments of our mortgage. Midland Mortgage refuses to accept the payments. They seem to be on a fast track to sell my home. 

In light of Midlands unprofessional handling of this process and unwillingness to allow me to resume regular payments Im beginning to believe that their intent has always been to seize my home and somehow profit from misery by creating another homeless veteran.

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: Diverse Funding Associates LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I submitted a letter asking XXXX/ DNF Associates to validate the debt. Neither XXXX/DNF Associates sent any information showing my signature on any contract that was sign with either of them. DNF Associated mail me a letter asking for a payment in the amount of {$150.00} as of this day I have n't received anything. I even sent a dispute to the XXXX credit bureaus asking for the same information and I have yet to receive it. XXXX said it was verified I asked how what documents were produce. NONE! so how was this account verified.

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 2022-04-18
Company: EQUIFAX, INC.
State: AL
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 to the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2021 ( has violated my rights ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/2021 ( has violated my rights ) 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without Written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I settled an account with XXXX and they are reporting late payments after settlement negotiation and received payment. I have directly called and faxed XXXX and they are stating information is correct. I attempted to contact them multiple other times to keep disputing with all XXXX credit reporting agencies. This company can not report late payments on a settled paid account!!!! Primarily reporting wrong information to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I attended XXXX XXXX XXXX XXXX in XXXX in XXXX. FirstMark Services is currently the debt collector .XXXX is the entity that controls FirstMark . They are unable to verify the balance and it is completely wrong. They are unable to explain where or how the interest is calculated. I have asked for a breakdown over and over again. What they have sent me is insufficient because the numbers do n't add up. I have made numerous payments that I have not gotten credit for or been itemized. I wrote a check for {$62000.00} which I doubt was credited correctly. I have not gotten credit for any payments made between XXXX which is impossible. I would have been in default and I never defaulted. I have forensic accountants to prove that FirstMark/XXXX is simply making a number up and can not prove it. I believe they are in violation of the FDCPA as their actions are unconscionable and I expect to be compensated. I want them to answer the forensic accountants questions. 

Further, they have called me numerous times before XXXX Again, a violation of the FDCPA that I expect to be compensated for. This is a sloppy organization that ignores the FDCPA .They do n't know what my balance is based on. They are unable to accurately itemize past payments made. They call me at unreasonable hours. I want a breakdown that shows every single payment that I ever made to FirstMark/XXXX as well as how every single charge was made. If they are unable to do so, I expect to be compensated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I am a XXXX year old widow who was mislead and convinced Ineeded a home equity loan by Washington Mutual Bank inXXXX of XXXX. From that point until XXXX XXXX when Chasemodified loan. Approximately forty percent of my monthlyincome was being spent to satisfy loan. Then Chase reducedmy interest rate and escrowed my taxes and insuranceinto XXXX payment making my payments easier. HoweverI discovered that for from XXXX XXXX until week XXXX XXXX Chase had not applied any of my monthly paymentstoward principal. Balance stayed same for seven years. 
I read and reread loan agreement many times and had mychildren examine loan documents. The original loan and nowmodified loan is not interest only agreement! Its principalinterest and escrow. I have many documents supportingmy case of mortgage fraud against Washington Mutualand now continuing fraud by Chase. By Chase not applying mypayments to principal it increases my interest rate much higher thanwhat was written in instrument of mortgage. That 's mortgage fraud! In ten yearsof making payments of approximately XXXX dollars my principalbalance is XXXX. Again I have maybe XXXX documents proving this fraud. 
When I contact Chase and make inquires regarding this fraud they justhang up the phone or place me on hold for hours. Last week alone XXXX hoursphone. Total time in eight weeks more than XXXX hours. Everyday a differentanswer. I have also gone in person to many Chase banks to have employeesclaim they have no access to information regarding loan. I have proof by chasesown letters of fraud. From monthly statements to original loan document. 
This is my last effort before I file a lawsuit against Chase for mortgage fraud. 
Any assistance you could provide would be helpful because cost of anattorney maybe too high? Again I have documented proof of mortgage fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I took my husband 's last name & moved to his hometown when I got married XXXX yrs ago. There was already someone there by the same name. I ca n't get my credit report from the XXXX bureaus online because all security questions pertain to her life. I have written to them about this for yrs and gotten no resolution. I filed a compliant with them recently. Their response was to mail me my report. This does n't address the issue at all. I want my security questions to pertain to MY life, not hers, and to be able to get my reports online like everyone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: OH
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 Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX -- XXXX The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, date last activate is inaccurate, and date last reported in not accurate. 

This is grounds for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

U.S.C 1681 Section 604 A Section 2. It also states that a consumer reporting agency CAN NOT furnish an account without my written Instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation