BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: American First Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX I reach out to American First Finance about my account showing on my credit. When I did the automated service my information would not pull up, so I asked to speak with a rep. Once I spoke with a rep she informed me that my account was sent to a deft collector and she gave me Mercentile information. I reach out to them and was told my balance was XXXX but on my credit its reporting XXXX. So the rep told me that I would need to reach back out to American First for them to update anything on my credit. I called American First back and spoke with a Rep I explained that the balance was not the same as shown on my credit and if it could be updated on my credit. She told me that I would need to reach out the debt collector to make a payment. So I asked her why was the balance different she stated that she did not know and that I made a payment of XXXX. So I asked if I paid the XXXX why hasnt the balance been updated. She stated that I needed to pay the debt collector. So at that point I was confused. I asked her the same thing 5 times and she told me I already paid the XXXX. I even explained that I was trying to buy a house and needed to get this taken care of. I eventually asked for a supervisor and she transferred me back to the debt collector. So I called back to American First and she answered again and told me a supervisor was not available. A few days later I get a voicemail stating that American first was reaching out because of my complaint. I thought it was a supervisor and it wasnt. The guy said a supervisor would call me and I still havent received a call. Also I was told that my complaint would be passed over to the credit department for investigation on last week. Still no update. so I called today and waiting on hold for over 30 minutes and still didnt get any answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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 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 DATE XX/XX/2018

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 2015-08-19
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
We pulled a copy of our credit report and noticed a debt from National Credit Systems. It was a debt collection for an apartment we stayed at years previous. We sent XXXX debt validation letters to them and have received partial responses back with little to no information accurately verifying the balance of the debt owe. Please assist because we are prepared to file a lawsuit against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MS
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Well my mother in law helped me get a loan through springleaf Finance and my payment is due on the XXXX of each month and there calling me on the day of every hour on the hour there also calling my job and my mother in laws job threating me and telling me that they did n't want to give me the loan and if it was n't for her I would n't have the car. Now I have set up arrangements to pay on the XXXX due to how I get paid from work now there saying to pick up the vehicle because I have n't came in to make payment which as I said arrangements has been made ... I would like to know what I can do in order to stop to threating calls??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2011 XXXX XXXX charged off my account. 5 years later Experian suddenly showed it 150 days past due in XXXX. I contacted XXXX XXXX and XXXX to resolve. XXXX XXXX sent me a letter and copied Experian that indeed the account was charged off in XXXX. XXXX XXXX also confirmed with XXXX that this was the case. I have spent numerous hours and phone calls to Experian who refuses to use any letter I have with XXXX XXXX nor the correspondence with XXXX. In XXXX 2011 the account went. To a fresh charge off bringing my score down further. I complained and then in XXXX the 150 days late popped up again bringing my score down a total XXXX points since the event started. Now I 'm in the middle of buying home and it 's impacting my rate AND me even getting a loan. Please help!

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 2016-04-05
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to XXXX to get my report. The Experian questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Self Financial Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My purse was lost at the airport. I called Self credit card company to report my card lost. They reported the card lost and told me the card had been used so I filed a dispute. They refunded my money and about a month later they posted the charges back to my account. I'm not paying for something I never ordered nor received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Statebridge Company
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to Statebridge Financials LLC on XXXX/XXXX/2016. My credit score dropped XXXX points due to the transfer, which I hoped would recover after Statebridge reports my on-time payments. On-time payments in the full amount with some payments with additional escrow have been made for XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016 and XXXX 2016. None of these on-time payments have been reported by Statebridge to the credit agencies and therefore my score is well below any fair assessment and access to fair credit. By not reporting these on-time payments, Statebridge locks me into high percentage loans which otherwise could be refinanced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I noticed that some company XXXX XXXX XXXX put a notice statement on my credit report. This company does not have the right to put comments on my report and I never did business with them and also the bureau allowed such statement from this company to be put on my credit reporting without my authorization and never notified me of such a comment. this is illegal also being that this company does not give me an address or number to address this complaint. I want this removed immediately or legal action will be taken.

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 2017-02-06
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently received a notification from a credit monitoring site I utilize that new information was added to my credit report. Upon further investigation I noticed some discrepancies being reported by a collection agency called XXXX XXXX XXXX. There was an amount and open date change for this previously disputed account, which from my understanding is called " reaging '' and is illegal according to the FCRA. XXXX XXXX XXXX added a new collection account to my credit for a previously disputed and removed account with XXXX XXXX. This account was resold and is now being reported by XXXX XXXX XXXX incorrectly and without any proper validation. I have enclosed photos of the previous and current information being reported by these collection agencies. I would like to have this account reviewed and removed from my credit report immediately due to inaccuracies and illegal practices.

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 2016-11-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Sent letters to Experian disputing the inquiries on my credit profile. Experian could not provide proof with my signature signing up for any of theses creditors services. All of the following inquiries are inaccurate and unauthorized : XXXX XXXX/XXXX/XXXX XXXX XXXX/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 2015-04-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I 'm trying to buy a house so the mortgage company ran a credit report. There is a medical bill that is over XXXX thousands dollars. I called the collection company that is holding this account. Spoke with a representative and she also spoke with the manager. In 2011 this company sent multiple letters requesting this be removed from my credit report. It has been 4 years since this company ( XXXX XXXX XXXX XXXX ) sent this request in writting. XXXX, XXXX, and Experian are still reporting this negative account on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Public Records XXXX XXXX XXXX Superior Docket # : XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX / Date Filed : XXXX/XXXX/2009 / Type : Civil Judgment Ph. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX XXXX Court Docket # : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. ( XXXX ) XXXXCurrent Status : Paid / SatisfiedXXXX BANK # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX XXXX, # XXXX / Current Status : Consumer reported ; not my account? 
XXXX # XXXX / Current Status : Consumer reported ; not my account? 
XXXX XXXX # XXXX / Current Status : Paid in Full / XXXX Balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been disputing a tax lien placed on my credit report since XXXX XXXX, 2016. I have disputed it with trans union twice and they have rejected my claim both times. The tax lien was placed on my credit report incorrectly due to my mortgage company ( XXXX XXXX ) failing to pay my county taxes. My mortgage is currently tied to an escrow and this is part of their obligation. They have recognized their error and the county has released the lien and acknowledged that it was not my fault as well. Trans Union still refuses to remove the lien from my credit report.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a dispute to Transunion about a late payment from my XXXX account on my consumer report that according to the laws should not be reporting being that the late payment was not properly investigated by Transunion and proven to be late before they reported it.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: CA
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 XXXXXXXX, has violated my rights. 
XXXXXXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX XXXX, has violated my rights XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights XXXX XXXXXXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXXXXXX 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 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 2017-02-28
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
For years, I have been trying to get on track to paying my loans. I 've been trying to get a clear answer from Navient, but every time I call, instead of sending me a statement of how much interest I 've accrued or how long it 'll take me to pay down my loan, they tap on a forebarance! The last time I called, I specifically told them I do not want a forebarance ( after learning from your lawsuit that forebearance adds compounded interest, which I never knew! ), I receive an email that they put me on forbearance! I can never get a straight answer from them. I get different people telling me different things about my loan amount, but the only thing they all have in common is putting me under forebearance. 
If I send them {$600.00} a month, how do I know that I am actually paying down my loans. As a single mother, that is a lot of money for me. How do I know I 'm not just throwing my money away? If one buys a house, you receive a clear statement showing how much of your payment goes to principal and how much goes to interest. With Navient, I 've never been provided that! I 've never been provided a clear statement as to where my money is going. Occasionally, I receive emails that I have documents to view on their website. When I go to sign in, I get blocked off or their website is temporarily down. There 's never a clear way to find answers and it seems the longer I do n't pay them, the more I owe, but if I do pay them, I have no idea where the money is going! This is a complete scam and a way to use poor people who have no clue how to manage money. I have no idea who to turn to or who to ask for help. 
I feel crippled. I can not rent an apartment because my credit is terrible, let alone buy a home or car. I do n't know what to do or where to turn. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAINE & WEINER COMPANY, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Caine & Weiner Company , Inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX To : The XXXX XXXX XXXX XXXX for Caine & Weiner Company , Inc From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have refinanced my home mortgage with Bank of America in XXXX XXXX. The total loan amount was {$220000.00}. Since we did not meet the minimum 20 % requirement, there was a PMI added to the mortage. I made extra payments in order to reduce my principal balance to meet the requirements to terminate the PMI sooner. As of XXXX of XXXX my principal balance was {$170000.00} which is less than 78 % of the original value. As of XXXX XXXX my principal balance is {$160000.00}. I have contacted Bank of America to inquire as to why the PMI was not automatically terminated. In response Bank of America has denied to terminate my PMI and is asking me get a appraisal done again regardless of what my current balance is as compared to the original value at the time of refinance.

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 2022-04-19
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: Account status incorrect

Complaint:
On my credit report the credit bureaus reporting charge offs and late payments which I paid to delete but comes back verified. This is hurting my XXXXredit score which I am rebuilding.

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 2022-04-19
Company: Experian Information Solutions 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 found the following fraud accounts on my credit profile : XXXX XXXX act # XXXX XXXX  Act # XXXX XXXX Acnt # XXXX {$470.00} XXXX XXXX XXXX Acnt # XXXX XXXX  XXXX Acnt # XXXX XXXX XXXX Acnt # XXXX XXXX  Acnt # XXXX XXXX XXXX Acnt # XXXX {$220.00} I've disputed these accounts multiple times with XXXX, Experian and XXXX over the past year and they are still appearing on my credit 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