BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many accounts to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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 XXXXXX/XX/2021

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 2023-04-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase froze and then closed all my accounts without notice in XXXX of 2023. I had been a customer for 4+ years. They would not say a reason other than compliance flagged my account. It was extremely stressful and time consuming to change my accounts. Since all my accounts were frozen I couldnt pay any of my bills until I moved to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was fasley misled into a loan contract on XX/XX/ by credit acceptance and car XXXX auto dealer. I was told by the car dealer as well as a representative from credit acceptance that I had a additional XXXX mile warranty coverage after the dealer warranty expires. I called today to find out that isn't true. I was told today by a credit acceptance rep that the warranty expires afer XXXX miles or 24 months whichever comes first. I was never told this. I was told I had a additional XXXX miles coverage by both credit acceptance and the dealer. Which is why i agreed. I previously had transmission issues with my last car and this additional coverage would be great to have. I was given paperwork from credit acceptance stating my warranty will begin at XXXX miles. Being told its nothing they can do about it is disheartening. My interest rate is high at 22.99 %, I paid almost 2 times over the original price of my car. I was asked if i wanted to change my pmt date. I agreed and then was being charged late fees due to not paying on original loan date. Even though my autopay was set up for the XXXX of each month. I found out this recently. I paid my car note and I received a repossession letter. Credit acceptance has put me in a real financial bind. The contract was not explained properly and hyped. I feel taken advantage of.

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 2023-03-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had my loan modified because of Covid. Then lost my job. I called 4 month 10 days would not allow me to do a payment XXXX have found a job I and make about XXXX a month. When I called on XXXX XXXX. They told I was denied I could not make payments. She was not willing go, over financial. She could not even how much the payment would be. I know modified the loan XXXX of XXXX. I am willing make payments if someone would allow make payments. The company is Carrington

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NC
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 explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act, XXXX XXXX CO XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 604 Section 2 states 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
Consumer complaint received 2023-03-03
Company: EQUIFAX, INC.
State: VA
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 filing a complaint with the Consumer Financial Protection Bureau regarding the lack of response from credit reporting agencies specifically for this complaint after multiple attempts to correct inaccurate information. On XX/XX/XXXX, I sent multiple letters to all 3 credit agencies ( XXXX, Equifax, XXXX ). 

XXXX ; XXXX XXXX XXXXXXXX, XXXX, TX XXXX Tracking number of XXXX, which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX. 
Tracking number of XXXX which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

Equifax ; XXXX XXXX XXXX, XXXX, GA XXXX USPS expected delivery date of XX/XX/XXXX. I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

This specific document requested the following updates ; Personal Updates ; 1.Incorrect Address ; Needs to be ONLY XXXX XXXX XXXX # XXXX XXXX, va XXXX ' ( NO others ) 2.Incorrect Name Needs to be ONLY XXXX XXXX ' no middle name or initial. 
3.Incorrect Employer Needs to be ONLY XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ( NO others ) Incorrect credit reporting accounts that are reporting as ; 'Name of creditor ' - 'Reporting Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. The lack of response has prevented me from obtaining credit within the last 30 days, and I have suffered negative impacts as a result. Enclosed with this complaint is a copy of the original correspondence sent on XX/XX/XXXX. This same packet was sent to all 3 Credit bureaus ( XXXX, XXXX, Equifax ). 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Loan Company " Mr.Cooper '' aka Nationstar Mortgage LLC has repeatedly refused to terminate my escrow account on my home mortgage. Mr. Cooper demanded the escrow account as a condition of issuing a VA mortgage to me. In XXXX Mr. Cooper failed to make escrow payments on time for my property taxes. They were not paid in XXXX, causing me to lose tax deductions on my property taxes for tax year XXXX. There was also a late payment penalty for my property taxes, which was eventually paid. During XXXX Mr. Cooper has generated multiple escrow statements, seemingly randomly adjusting my monthly payments based on these constantly changing payment demands. Mr. Cooper has regularly claimed I did not meet the 80 % loan to value threshold on my property to qualify for ending the escrow account. Yet, Mr. Cooper would regularly send me documents saying I had hundreds of thousands of dollars of equity in my home and I could access those funds simply by refinancing with Mr. Cooper. On XXXX XXXX XXXX I submitted by e-mail multiple documents proving my property value was under their 80 % claim and they should release my escrow account. After more than a week I received a form letter saying that based on my original mortgage documents my home value did not qualify to remove the escrow. Mr. Cooper refused to use the documents I submitted- which included an XXXX XXXX XXXX property tax assessment, and refused to even acknowledge I sent them to Mr. Cooper. Since then Mr. Cooper customer service agents have all said a manager would call me back -none have ever called back. One agent gave me an e-mail address for " mortgage insurance '' at Mr. Cooper and said to send it to them - after a week I received an e-mail from that office saying they did not handle escrow accounts. No other information on who to contact to address the escrow account. Mr. Cooper customer service representatives have all said they were " opening an inquiry '' into why my escrow has not been cancelled, but the only response I've gotten from Mr. Cooper was a form letter on approx XX/XX/XXXX which said they had received my complaint and would look into it and get back to me in a month. The last time I received one of these letters I never received a response from Mr. Cooper. 

I understand Mr. Cooper was the subject of a previous investigation and entered into a consent decree in XXXX. I wonder if this conduct violates the consent decree?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: OR
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 : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, AFFIRM XXXX : XXXX, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX  : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX IN : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX 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.

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 2023-06-01
Company: Experian Information Solutions Inc.
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: LA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: FL
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this items ( 1 ). ( A ). 

XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-08
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midland Funding LLC keeps reporting derogatory and negative remarks about my ability to pay my bills by stating that I owe them money. I disputed the claims of money owed through the credit bureaus and they still said it was valid and it is indeed not valid. I have never contracted any services nor contracted to do business with Midland Funding LLC. This has been constant harassment by their company in my pursuit to rid my credit report of companies which claim money is owed which have no validity. Furthermore, I have reached out to any creditors that I may have had or been in default with and remedied the problem. This company I have never conducted business with!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
Im filing a complaint to you today to inform you I was the victim of identity theft. I already sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-16
Company: Minnesota Office of Higher Education
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted the Minnesota office of higher education multiple times informing them that the {$1200.00} debt is not mine. I have repeatedly asked them for proof of my responsibility for the debt. Recently as soon as XX/XX/2023. I have never received any information of where I signed requesting a loan from the state of Minnesota for educational purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1300.00} XXXX  XXXX 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 XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company is still reporting on my credit report and according to New York State this is illegal they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$7100.00}.

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 explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian violated the Fair Credit Reporting Act when they provided these companies with my credit report without my consent or knowledge XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: IN
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:
I told Experian, XXXX, and XXXX to reinvestigate this account XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

15 U.S.C. 1681 section 602 A. States I have a 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.

15U.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.

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