BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: AL
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 XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2020-08-25
Company: Experian Information Solutions 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:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX {$3500.00}

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 2017-08-24
Company: CASH AMERICA INTERNATIONAL, INC.
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Charged fees or interest you didn't expect

Complaint:
1 ) I extended/ renewed my pawn agreement with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was made to pay US {$220.00} when my annual percentage rate ( APR ) is only {$160.00}. I do n't know that there are hidden charges of {$62.00}. I was issued a new pawn agreement extending the due date to XX/XX/XXXX but no receipt was given to indicate my payment of {$220.00}. I was overcharged by almost the same amount in my 3 previous extensions. 

2 ) In the new pawn agreement issued, the description of the pledged goods ( 3 pc wedding ring set ) was changed ; it was way different from the description in the earlier pawn agreements. This may result in the release of another item the moment I redeem the property and pay my obligation in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: EQUIFAX, INC.
State: GA
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, XXXX XXXX am a victim of Identity theft. There are some fraudulent accounts on my report and they need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I sent out letters to the credit bureaus of XXXX, TransUnion, and XXXX certified mail. Neither agency responded with a return receipt of my letters of the inaccurate information. I gave them the benefit of the doubt and waited again until XX/XX/2022 and repeated the same process with sending certified letters. Again, there was no return receipt of acceptance to look into the inaccurate information being reported. Recently again on XX/XX/2022 I sent out the letters again, this time by regular postage and it is now XX/XX/2022, past the 30 day. This time I have decided to take further action to express that my rights have been violated according to the following laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, States In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 

Not only has there been inaccurate reporting on my credit report, I have never given any written permission to contact me or report to the credit bureaus. I have also been receiving calls from phantom phone numbers disguising the company 's real phone number. These phantom phone numbers show up as local numbers in order trick you into answering your phone.

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 2021-04-16
Company: Shellpoint Partners, LLC
State: NC
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:
XX/XX/2018 I purchased a home with Shellpoint mortgage service and I made my payments and they report as late. 

Payment was made on time. 
They destroy my credibility and credit worth. I need help please.

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 2017-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Bank of America Visa card has been compromised again! Third or fourth time in as many years. Getting tired of this old story. BoA does not identify the problem merchant, or any other cause.

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 2022-03-08
Company: Experian Information Solutions Inc.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-08
Company: EQUIFAX, INC.
State: CT
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX and It's been so agitating waiting for Experian 's feedback to my previous complaints about getting some incorrect stuff in my report. All the items that are reported were truly inaccurate and erroneous. I have been sending you written requests to correct these items but you have failed to do it or at least notify me about the status of my requests. Below are the questionable accounts I am disputing. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}

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 2022-09-03
Company: ALLY FINANCIAL 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:
Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act 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 consent. XXXX was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. XXXX is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO XXXX WERE A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. the dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. XXXX has caused severe stress and anxiety due to the abusive and unfair 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 2017-04-10
Company: The Affiliated Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This collection company reported a debt to all three credit bureaus. The collection has caused an unbelievable issue on my credit report. My score has dropped XXXX points because my creditors have lowered my credit limit so it appears that I now have used up all of my credit when that was simply not true before they lowered my limits. And the limits were lowered because of this reporting. They say I owe {$89.00}. I have no idea when this amount came due nor do I know to whom this {$89.00} is owed to. I have no date of service, no invoice, no invoice date. NOTHING. Not once have I received a telephone call nor have I received written documentation of the debt. The reporting on my credit bureau indicates this is a XXXX XXXX debt. I recently went to XXXX XXXX for a health issue and they did not even make me aware of a past due balance. Both XXXX and this collection agency should have at least notified me and given me a chance to pay the debt before reporting to the credit bureaus and ruining my credit. I ca n't even refinance my home now. Because of their poor reporting tactics, my credit is beyond being repaired. I wrote the XXXX credit bureaus and explained the situation and asked for this to be removed from my credit report. My request was declined by all three agencies. Can you please file a complain against this company and the XXXX credit reporting bureaus and have this removed from my credit file? And if in fact that I do owe this money, I can assure you it will be paid promptly. I ca n't say that I do or do not owe this debt because I have never been furnished with an invoice, or what the debt is for, or when the debt incurred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-03
Company: Nelnet, Inc.
State: MI
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 sent letters to XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and made phone calls ( and spoke to ) XXXX customer service regarding NELNET LOANS Account XXXX reporting a XXXX delinquency in a month for which I was current 30 days prior ( according to XXXX 's own data on my credit report ). My letter, attached, states : 1. In XX/XX/XXXX, I was current ( as noted in XXXX version of my credit history ). 
2. However, in XX/XX/XXXX, XXXX is incorrectly reporting my NelNet account as 90 days past due ( impossible since I was CURRENT 30 days prior ). 
3. In XX/XX/XXXX, XXXX is incorrectly reporting my NelNet account as 90 days past due ( impossible since I was CURRENT 60 days prior ). 

I received a dispute resolution ( XXXX ) Report Number XXXX Date Generated XX/XX/XXXX, and XXXX refused to correct the obvious errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: College Ave Student Loan Servicing, LLC
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 information incorrect

Complaint:
College Ave has marked that I was over 30 days delinquent on payment for both XXXX and XXXX of 2020. This is not the case and both months were paid on time, or early. This has caused a precipitous credit score drop. After getting in touch with them, they corrected this problem, and my credit score reflected that. However, the next month the late payment for XXXX showed up again. Ive reached out to them multiple times, filed disputes, and the delinquency still shows on my credit report. They said that they have fixed the issue and it should be updated, but its not. They continually say theyre not sure why its reported late, or that theyve fixed the issue, or they will send it to their supervisor, but nothing changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am being violated by TransUnion as they are reporting information on my consumer report not in accordance with my written instructions infringing upon my rights as a consumer pursuant to 15 USC 1681. I have sent them an affidavit of truth stating the issues and how to immediately remedy the situation. I have received no response.

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 2019-11-30
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: Personal information incorrect

Complaint:
Upon reviewing the information I sent to you all and reading Equifax 's response regarding the addresses being removed, I see they have deleted all addresses except XXXX XXXX XXXX XXXX, XXXX, VA XXXX. I have already sent them the credits reports to you all that you all have sent to Equifax that it too should be deleted. My dispute regarding the removal of addresses has been ongoing for 3 months. Please resend this complaint and have them removed that address as well. It should have already been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: EQUIFAX, INC.
State: VA
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 am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: PCR Group
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent/instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and 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 2019-08-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX GA XXXX. 
Payment Errors : Your company did not properly credit the payment that I made on [ XX/XX/2019 ] in the amount of {$1600.00}. This payment should have been credited as a monthly payment and not towards the Principle. 
I have called every month since then and am being told the matter is being " escalated '' and should be resolved within 5 days. We are now in XXXX and it has not been resolved.

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