BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, HAS VIOLATED MY RIGHTS XXXX U.S.C. 1681 section 602 A 15 U.S.C. 1681 section 604 A section 2 15 U.S.C.1681 1681c ( a ) ( 5 ) 15 U.S.C. 1681s -2 ( A ) ( 1 ) they have violated several of my right with no regard of congress making these laws

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 2020-06-21
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My home was foreclosed on by the primary holder XXXX XXXX in XXXX of 2020. Throughout the process despite my notifications, the second mortgage holder ( Fay Servicing ) did not once participate in the process. The home was repossessed on XX/XX/2020 by XXXX XXXX. I notified Fay servicing of this and sent them the sale letter, and repeatedly have tried to call the guy assigned to my mortgage. I get no response, no information, and they keep adding interest to the debt with no activity regarding the notification on the sale. I am trying to repair the damage done but with this open ended debt out there and their lack of any contact or anything I can not move forward. It was my belief that this should have been settled by them and XXXX XXXX when the home was foreclosed on. I understand the process but it is over now. How is what they are doing legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: PNC Bank N.A.
State: GA
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: Investigation took more than 30 days

Complaint:
PNC Bank purchased my mortgage from XXXX on XX/XX/XXXX. 
PNC Bank refuses to report my payments ( XXXX XXXX ) to the credit bureaus because I had a bankrupty XX/XX/XXXX. 
I reaffirmed my mortgage and have never been late with any lenders. 

I have been trying to reach my attorney by email and phone but no answers. 
XXXX XXXX XXXX XXXX XXXX )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
There are 2 credit inquiries on my credit report with all 3 credit bureaus. I have never had an interest in credit cards nor do I have a credit card. These inquiries were not authorized by me. I have contacted Capital One who in return told me to contact the credit bureaus. Each credit bureaus has advised me to contact Capital one to have them removed. I have sent out multiple inquiry removal letters to each credit bureau via certified mail and to no avail of deletion. The dates that these inquiries were posted to my report is XX/XX/XXXX & XX/XX/XXXX. These inquiries were not authorized by me and I would like to have them removed. 

I also have a credit inquiry on my report from XXXX XXXX on XXXX/XXXX/XXXX that I did not authorize & I received the same feed back from both the company & the bureaus. I have been a XXXX cell phone customer since XX/XX/XXXX & I have no need or use for XXXX XXXX XXXX. 

I am not sure what XXXX XXXX is or the reason for them performing a Credit Inquiry on me but there is an inquiry on my report from this company on XX/XX/XXXX that I did not authorize. 

I have not authorized any of the above inquiries & I have not been successful in reaching a resolve with these companies or bureaus one on one. 

Their reportings are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Im currently on a repayment plan with my mortgage company Mr. Cooper. For the months past due, its been divided into 12 months and added to my regular mortgage payment. From XXXXXXXX XXXX XXXX to current, I have been paying my regular mortgage on time however, its not being reported as on time. The mortgage company although have already reported the delinquent months to my credit are not giving me the proper credit status for my regular payments. I believe this to be unfair that my payments that are paid on time are not being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX once again did not allow me to dispute using typing form but to call. It is inconvient and I wd prefer to use typing form to file a dispute. The XXXX lowered my score ny 19! It was Bank of America s fault and like I said before XXXX did have the access to my XXXX XXXX XXXX XXXX XXXX but they dont bother to look but reported on what bank reported. I closed the acct with Bank of America is because of their corrupted lies. I was never late! Was late for first time in XX/XX/2019 only and it was not my XXXX fault! Secondly, XXXX lowered the score just because I closed the acct. See attachments. The reason why I closed is because of BOA s corrupted lies and false info.

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 2022-06-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2022-01-24
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX Inquiry date : XX/XX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX  All Banks Inquiry date : XX/XX/XXXX I contacted each company individually and was told to contact the credit reporting companies directly.After my dispute I received mail indicating the inquiries where verified, they provided no explanation of verification/investigation process, no evidence of any signed documents or authorization form me approving these inquiries and provided no open accounts to the reference for any of the inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is for XXXX XXXX  and XXXX XXXX ( Referred to as XXXX ) related to their payment management system. XXXX  provides store cards for several retailers such as XXXX XXXX and XXXX XXXX. Following is related to XXXX XXXX card : One of the  limitation of their payment management system is that one can not schedule an automatic payment like other credit card companies do. As a result, if one forgets to make a payment then they charge you a late fee. When you ask the customer service why there is no option to schedule automatic payments, their response is that they do not have the ability. When asked to waive the fee they respond that they can waive only once a year ( rolling 12 months ). 

I feel that by not providing the ability to schedule automatic payments is unfair. I spent almost 81 dollars in late fee in 2018, which would not have happened if there was an ability to schedule automatic payment. Please let me know if my complaint is reasonable. 

Kind Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: Bread Financial Holdings, Inc.
State: AR
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:
This is something I have never had access. I would like to know who opened the account as well as press charges on the individual responsibile for ruining my credit that I have not been able to use due to their fraudulent intentions. Everything that I have applied for has affected my credit and has been denied due to this account. I'm wanting to own my own home but my credit worthiness is beyond horrible from the hard and soft inquires. Some one also attempted to used my information to purchase a vehicle which was denied but is on my credit for the next 2 years. I need someone to help me dispute these things because I don't have anything, not even a student loan. There are utility bills in my name that I have not opened because I have never lived at some of the addresses. I tried to dispute it on XXXX  but I need direct assistance with everything thatd5 going on. Could someone please look into my file and contact me so I can explain everything that is not related to me. Please XX/XX/2018 Date Opened Open. {$120.00} past due as of XX/XX/2018. 
Status Updated XX/XX/2018 $ XXXX Monthly Payment {$310.00} Credit Limit {$1300.00} Highest Balance NA Terms {$440.00} Balance Updated XX/XX/2018 {$0.00} Recent Payment Amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: Experian Information Solutions Inc.
State: NV
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:
There are items on my account listed that aren't mine.

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 2017-07-25
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have been trying to fix this problem in my Equifax report since XXXX 2016. There were a comment " Paid after Foreclosure initiated '' on an account that was actually closed with a Short Sale settlement. The only result of those complaints is the reduction of more than 50 point on my score. My point is even if such process was initiated, is not relevant nor accurate, because it is NOT the CURRENT situation. We want to rectify it because it does not mention the Short Sale agreement which supersedes any eventual past processes, like all the years we paid on time, or our atempts to get a fair modification, or this one that we never get notice of. Instead of that we get a letter offering th AVOID foreclosure more than three months AFTER we closed the account. An accurate report should show the CURRENT STATUS which is something like : " Paid as agreed in a short sale process ''. As opposed to that in the Equifax report the " STATUS '' column says " 120+ days past due ''. That is definitely false and harmful, and has to be corrected. In the other hand, now the questioned comment says " Consumer disputes - reinvestigation in progress '' and for the last month and a half has been sitting like that. I called Equifax, because ironically I am their customer, asking when this reinvestigation will be over and they told there is not any open investigation!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions Inc.
State: WI
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:
There are ( 2 ) hard inquiries on my credit report that showed a personal loan was applied for with XXXX XXXX on XX/XX/2018. I did not apply for a personal loan with this company. I was XXXX  at the time that this application was made and I was not released until XXXX XXXX. I did not have access to the internet while 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 2020-01-01
Company: Experian Information Solutions Inc.
State: NV
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:
There are accounts listed on my credit report that aren't mine.

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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I submitted disputes to TransUnion, XXXX in regards to ( XXXX ) closed account XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ) for inaccuracy and failure to send me the status of the investigation within 30days. I asked that you assist me in contacting TransUnion and XXXX and have them removed the above said closed accounts. Thank you for your assistance in this matter.

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 2017-02-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Was applying for ibr consolidation with Navient and they told me everything was fine. Now they never finalized the process and never contacted me for additional information. Now the dept of ed put a wage garnishment on me and wo n't allow consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Experian Information Solutions Inc.
State: MD
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:
This Companies are reporting information that do not belong to me on my credit report. I've been denied credit because of this. I've called and talk to numerous people about this error. I am being ignored. Again these accounts do NOT belong to me. I have no idea. 

XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX/XXXX XXXX Account 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 2022-01-24
Company: Audit & Adjustment Co. Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Either my wife or I visited XXXX XXXX XXXX on XX/XX/XXXX. XXXX. My wife and I were estranged in XXXX, and I no longer lived at residence. I was XXXX  and in a XXXX XXXX from XXXX XXXX to XX/XX/XXXX. It took me another month before I could get my mail as I was technically XXXX  and needed to get mail from wife who didn't want to see me. In XXXX I got the bill for the XX/XX/XXXX service. At that time, I paid what I could and then went about setting up a payment plan with XXXX. At some point after that, mail from Audit and Adjustment company was being sent to my wife 's address. When I finally got it, I went to the website the collector gave me on their notice and input the account number they provided to make payments. All bundled together and no way to differentiate were XXXX XXXX which I assumed I had payment plan with, and discharged debts from my bankruptcy in XXXX. Which I know the collector was notified at every possible address associated with them. I can provide court documents. No way to not pay just the hospital bill. I needed to pay all including discharged debt. According to my statements I receive every month online from the hospital, everything is okay. I had no way of knowing whether my insurance finally remitted payment or what. All debts with hospital bills are under one account and once I setup automatic payments it all went green. This seems like dirty pool. When you are hospitalized for an extended time and can't get to mail. You shouldn't get out and get your mail and see a final notice statement when you had just gotten a first notice and the balance was still pending insurance claim processing. I didn't even have a chance to pay before it was in collections hands with them trying to collect whole account that includes discharged debts. Not get any notification as their notices were going to my estranged wife who was just throwing mail into a shoe box. I never got voicemail. Only voicemails I get are no information at all, just " to avoid further actions on our claim for damages, call xxx ''. I've never received recent communication about this and assumed according to statements from hospital that everything was just fine. I never received notification that the debt was turned over. I figured there was a lag in communication, and it was taken care of. Notice from XXXX I received in XXXX tells me to go online, enter account number and pay balance in full. If pay the balance of account in full, I'll also be paying discharged debt, and a debt I was led to believe was part of my payment plan with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have Private Loans with Navient as well as a Cosigner and I have asked Navient to lower my payments numerous times and they have denied me without a lot of Explanation to why. 
They just asked if I wanted a Forebearnce instead of trying to work with me on the payments or Refinancing the loans. 
The payback of the loan a month is XXXX currently and increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are accounts listed on my credit report that aren't mine.

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