BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: EQUIFAX, INC.
State: GA
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 account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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:
The following hard inquiries appear on my Experian Credit Report. I demand immediate removal. 
I demand under the Fair Credit Reporting Act ( FCRA ) Section 604 : 1. Permissible purpose 2/ My WRITTEN authorization 3. Proof that I personally initiated the inquiry Under 15 USC Section 623 Experian has 30 days to do a reasonable inquiry into this matter. Either provide me strict proof or DELETE the items immediately. If you do not delete the following inquiries within 15 days, I will take legal action. 

DELETE THE FOLLOWING UNAUTHORIZED HARD 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 XXXX XXXX XXXX XXXX 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 2023-12-09
Company: Experian Information Solutions 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:
Loan amounts do not match across credit reports and are all inaccurate. 
Loan balance is inaccurate. 

The open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal.. This company have also violated my rights under 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 explanation
Consumer complaint received 2023-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 no knowledge and did not consent for my information to be used by these companies. Please remove the following inquires, 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

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: EdFinancial Services
State: NY
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:
The COVID-19 federal loan forbearance ended a couple of months ago. Prior to it ending, I updated and added " auto-pay '' to my Ed Financial Services account to ensure that my federal loans were paid ; in fact, I am paying monthly above and beyond the minimum requirement. On XX/XX/XXXX, I made the first payment ; on XX/XX/XXXX, I made the second payment ; on XX/XX/XXXX, I made the third payment. However, each time an auto-payment is made, Ed Financial Services reverses the payment, which allows interest to accrue. The issue, I have learned, is not with my bank, but is on Ed Financial Services ' end. It is an issue that hundreds ( at least according to numerous XXXX complaints similar to my issue ) of others have also experienced.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX I ask them to take XXXX XXXX XXXX off my report that not my address never stay at that address they told me they couldn't all they did was updated it i also I go by one name and that XXXX XXXX I ask them to remove all the other names and nothing happen

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: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
From : XXXX XXXX Attn : American Express RE : ADVERSE ACTION DATED XX/XX/2023 Recently, I, XXXX XXXX, was denied an extension of credit by American Express on XX/XX/2023 and XX/XX/2023, I applied for a credit card with American Express. 

As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S Code 1691 ( c ) you assume civil liability pursuant to 15 U.S. Code 1691e ( a ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the notification was sent to me XX/XX/2023 is both proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my securities. Otherwise, this would be considered securities fraud since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

Thank you XXXX XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: NE
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-09
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting 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 just submitted a previous claim for the equifax data breach in which I was told by equifax I was a victim of identity theft and my.infromation was misused illegally I also attached a form as seen below I was indeed a part of the data breach I included the items that are on my report which is harming it and was not done by my consent legally these are the hard inquires and items on my report that was fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard inquires illegally done follows. 
XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempt3d too dispute these items send innletters nothing has been done by equifax during this data breach I made multiple calls and trips too post office and filling out forms they send me and return them included these in attachment from them I was a victim of identity theft and too fill out form Please attach the inquires too my last claim I submitted I'd number XXXX for the cfpb it wouldn't let me upload another attachment

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 2023-02-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Attempted to pay a balance in full with Enerbank on XX/XX/23. Paid balance listed on last statement as well as the amount shown on the Enerbank  website. Received a statement dated XX/XX/23 which showed a balance of ~ {$500.00}. 
Called to see how/why this balance existed since the listed balance was paid. Was told that the amount due was related to past interest which wasnt factored into the balance as well as interest accrued from the statement date ( even interest compounded daily wouldnt equate to this amount ). Stated a manager would call me back but have not received a call.

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: Experian Information Solutions Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has inaccurately and illegally reported false information and a fake collections account to my credit report on XX/XX/2021 in the amount of {$1200.00}. I am requesting this account to be thoroughly investigated and removed if found to be fraudulent/inaccurate. I have never used XXXX XXXX before in my life.

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: Experian Information Solutions Inc.
State: CA
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:
Base on a recently obtained copy of my credit report I do not recognize nor requested credit from these entities. 
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 2023-12-10
Company: FIRST NATIONAL BANK OF OMAHA
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:
A few day ago first national bank called me and left a voicemail and said I was going to jail if I dont sign a paper stating that I will come to court they said they have my job address and there coming to serve papers at my job within 24 hours they called me more then twice they sent me fake court papers to be in court on the XXXX and that was on a Sunday and they called my son house asking questions about me and your not suppose to call no one but my significant other

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 2023-12-10
Company: Experian Information Solutions Inc.
State: GA
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:
I submitted proof that I am a victim of Identity Theft and I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer.

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 2023-12-18
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: Information belongs to someone else

Complaint:
Inquiries were made without my authorization I have filed a FTC report. 
FTC report # XXXX The followings inquires were not authorized ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower is in review for loan modification but NationStar refuses to postpone foreclosure sale to complete review in violation of 12 CFR 1024.41 ( g ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just filed complaint # XXXX XXXX XXXX XXXX at XXXX in haste and my attachment was missing XXXX key documents. 
1. Nationstar FTC XXXX XXXX XXXX " XXXX Points of Complaint on a Word Doc '' 2. Nationstar School Tax Contract & Escrow XXXX XXXX XXXX XXXX. Nationstar FTC-CFPB XXXX XXXX XXXX email confirming receipt of the above confirmation. Nationstar FTC XXXX XXXX XXXX was my research information. Word doc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Diversified Adjustment Service, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Diversified Adjustment Service regarding their legitimacy in collecting a debt on behalf of XXXX XXXX XXXX. I have received a notification from Diversified Adjustment Service stating that I owe a debt of {$29.00} for an outstanding balance on my XXXX XXXX XXXX XXXX  bill. 

However, I have concerns about the legitimacy of this claim. I have already paid the full amount of {$100.00} on my XXXX XXXX XXXX XXXX bill, and I have proof of payment. Additionally, I have not received any notification from XXXX XXXX XXXX that I owe a debt to them. 

Furthermore, I have concerns about how Diversified Adjustment Service obtained my personal information, including my account number, name, address, and bill details. I am deeply concerned about my privacy and the potential for my personal information to be misused. 

I am requesting that the Consumer Financial Protection Bureau investigate the legitimacy of Diversified Adjustment Service 's claim and how they obtained my personal information. I am also requesting that you take steps to protect my privacy and prevent any further misuse of my personal information. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: TN
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 appreciate you making the effort to update and remove some of the data on my credit report, but there are still items that need to be fixed and deleted. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-03
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have been a victim of predatory lending by XXXX XXXX XXXX who is serviced by XXXX XXXX. They used deceptive practices during the loan process, which included hidden fees that were never disclosed to me. I learned about the astronomical fees when I called AES today and requested a Truth in Lending document. I never received this document or information previously and I will breakdown the reason that I called and requested this information. 

I received XXXX student loans from this lender : Original Balance : {$21000.00} Current Balance : {$24000.00} Total Paid : {$26000.00} After looking at my monthly statement, I was puzzled to discover that I have paid more than the original balance ; however, I currently own MORE than the original amount borrowed. I understand the concept of interest and yes, I expect to pay more than I borrowed. But based on the interest rate attached to the loan, and the original amount, there is no way that I should have a balance this high. I called AES to inquire about this information and I was told that it is likely due to loan fees. What loan fees? I was never told about any loan fees. To my surprise, the loan fee was higher than the loan itself and it was never mentioned to me. They hid this information and processed the loan under false pretenses. 

I have maintained my student loans because I care about my personal credit. However, I feel that I am a victim of illegal practices by this company. There is nowhere on my monthly statement that shows the total fee amount. I can not locate this fee on any initial documents from AES. I would have never known about this fee if I did not call and specifically ask, why is my balance so high when I have paid more than the original amount. 

I am requesting that the fees for the XXXX loans mentioned be removed. This is predatory lending ; I was deceived during the initial process of this loan. They presented an interest rate that floated between XXXX and XXXX XXXX  ; however, the bulk of the loan amount comes from the fees that were never disclosed. This is fraudulent and unfair business practices to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2017-05-29
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
RE : NationS tar/  XXXX   T his account was included in a  US  Ch.  XXXX  bankruptcy filing on    XXXX   XXXX  , 2010, c ase #  XXXX  The notation in th e Public Records Section has  been removed in the   XXXX    credit report HOWEVER The notation of the NationStar/  XXXX  is st ill showing as an active/open account and derogatory.   Please see attached court docs regarding this case.   This account was included in the Ch  XXXX  filing of    XXXX   XXXX  ,     2010  and subsequently discharged per court order.   The allowable time a Ch  XXXX  filing can remain on a credit report is 7 years from the date of filing - which was    XXXX   XXXX  , 201    0 (  case  XXXX  ) This account should be removed.  <P/>  XXXX  informs the mis-information being provided to them is from Nationstar.  <P/> NATIONSTAR MORTGAGE  LLC   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX

Company response to consumer: Closed with explanation