BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a forbearance for my all my loans. They advised the request was granted. After speaking with servicer they advised that rep only applied for forbearance on 1 loan and advised they would apply for a forbearance for other loans. After, i was notified that it was denied and account was now past due. Payments were made on XX/XX/XXXX and then on XXXX totaling XXXX. I was again contacted and advised the account was past due 54 days. I spoke with representative and she went over account and advised the payments were not allocated to the correct loans. After speaking with her we figured out the account was showing 54 days past due for a total amount of XXXX XXXX I made that payment, only to receive a call XXXX hours later saying again account was past due. I explained and thought it was squared away. I continued to receive phone calls stating same. Today I spoke to servicer and the my stated account was past due and request were made to correctly allocate payments but it takes up to 5 business days and my account would be researched by specialists. They have continued to harass my mother and I without even completing the investigation. They then gave me 3 different amounts XXXX {$530.00} $ and XXXX XXXX They arent even clear on how much is due. They contact my mother and I atleast 2 times a day each with incorrect information only for me to go through account and receive the same response of we will send request for payments to be reallocated correctly and have specialist review account. This is stressful and taking a toll on my mental health. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from.

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 2022-12-09
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: Reporting company used your report improperly

Complaint:
In Accordance with The Fair Credit Reporting Act Bankruptcy XXXX XXXX account number XXXX, has violated My Rights. 

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX of 2020 I saw fraudulent activity on my credit report. Someone tried to get credit in my name. A couple months later, I decided to freeze my credit report. So I froze my report on XXXX, XXXX, and Experian. I also placed a security freeze with XXXX, XXXX, and XXXX. 

Here I am, a month or so later ... and on XX/XX/XXXX I find another fraudulent inquiry on my credit report. I contact my credit monitoring service and they tell me that the fraudster was able to unfreeze my credit report through Experian and apply for credit. 

They did this using my SSN, address and date of birth. All information that they could have easily acquired through widespread data breaches from companies including Experian themselves. 

This fraudster was able to fill out an online form on Experian 's website, using a completely new email address, and get access to my credit report using that information. How am I supposed to protect myself, when the " guard '' ( Experian in this case ) opens the door to the very people I'm trying to protect myself against. 

Since this happened 4 days ago, I have found articles going back 4 YEARS complaining that Experian has this gaping security hole through which anyone can easily gain access to a user 's information and remove a credit freeze. That is a long time to not fix a serious problem! Now, because of Experian, I not only have someone applying for credit in my name, that fraudster now has access to everything on my credit report because Experian GAVE IT TO THEM ... after I explicitly told Experian to NOT give anyone that information. 

Finally, after all this, I have made several attempts to contact Experian but can not reach a live person via phone. I can't access my account online. And my only recourse is to try to reach them via postal mail. So now I'm supposed to communicate by mail, over the course of likely days, weeks, or months ... to resolve this issue, during which time I fear Experian will continue to give access and resources to the identity thief. 

There are 2 criminals here. 1 ) The identity thief. And 2 ) Experian. The far worse criminal is enabling more of the first, and they are doing it under the protection of the US government. I want this to STOP, for Experian to be held accountable, and for Experian to put REAL protections in place so this can't happen anymore.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: ALLY FINANCIAL INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize any of these inquiries : XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Television & Radio XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + All Banks XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks ( XXXX ) XXXX ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing

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 2023-05-10
Company: Bread Financial Holdings, Inc.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Applied Bank XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 a. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166B : A creditor may may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: Atlanticus Services Corporation
State: PA
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:
In XXXX, I was preparing to make final payment towards the balance I had on my Fortiva Account that had a remaining balance of {$290.00} that was due XX/XX/XXXX. I have attached payment text reminder from bank. I called the end of XXXX to schedule for funds to be withdrawn on due date. Noticed I received a text reminder XX/XX/XXXX for payment that should have already been processed so I called bank to verify payment. Per rep, check was on file and could not be processed as " funds were not available. Confirmed with rep funds were always there and that should have been processed. Attached bank statement for proof. Rep said she could not process payment again as acct was frozen and on hold due to payment rejection. Spoke to management and was reassured no reports would be sent to credit bureau as it was protocol to put acct on hold. They could not take payment until hold was removed and was advised to call back for payment. I voiced frustration as I had to keep communicating with them for this final payment. Told them I just wanted to be done with payments and not have to worry about outstanding balances. Called again XX/XX/XXXX for final payment and successfully payed with XXXX  over the phone for the amount of {$360.00} which included late fees. Attached bank statement with payment. Check cleared XX/XX/XXXX and thought all headaches were over. Unfortunetly, on XX/XX/XXXX I noticed that my credit score dropped by over XXXX points because Fortiva Bank closed my account without my permission and also reported late payment. I reached out to them to request for my acct .to be reviewed/disputed and advised them I never requested for account to be closed but instead to pay it off completely to be done with the unfortunate back and forth. I provided the info to a supervisor however rep was trying to justify the companys actions. He did not reflect my experience and my attentiveness and was quite rude with what I was trying to express. I was told I would be notified and called with details after review. When I wasnt contacted, I took it upon myself to dispute with all credit bureas and XXXX XXXX. I noticed it was reviewed and they were able to fix the errors and update my new credit score. Then in XXXX, they reported again that I closed acct that rep stated in XXXX would fix and reopen and also reported this late payment again. I have attached the details. My credit went down again over XXXX points and now I find myself in the same position. I don't know what else to do to fix this error and I hope someone can resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was alerted to go on line by my refinance lender to see what was going on. I did, and discovered that my credit score dropped 144 points. In a PANIC, I discovered that I was put into collections by I.C. System for an unpaid medical bill with XXXX XXXX/XXXX. 
I called XXXX to see why they put me in collections, and they said that they don't bother looking in their portal system, so they didn't see my inquiry regarding the {$410.00} charge as incorrect. I was told by the office manager that they send out 3 notices then put it in collections. 
A review of my credit information shows that IC System started putting me in collections on XX/XX/XXXX. I NEVER RECEIVED ANY COMMUNICATION FROM IC SYSTEM for this collection. NOT ONE. As soon as I saw that my credit score dropped 144 points, I IMMEDIATELY contacted IC System and paid the debt. 
I had no choice. I was trying to refinance my home, and I couldn't risk being denied. 
This is fraud, and I'm charging XXXX in it. IC System sent me two notices AFTER I paid, but none while they put me in collections on XXXX, again on XXXX, and again on XX/XX/XXXX. On XX/XX/XXXX, my score dropped 144 points. 
Not only did XXXX raise me back to XXXX, but mysteriously removed that I ever had a debt collection notice! 
I believe that XXXX and IC System and XXXX are working together to basically hold a financial gun to peoples heads to FORCE them to pay charges without question. I disputed the charge to XXXX after their XX/XX/XXXX bill. I went through their system portal. Since I never heard from them, I thought they wrote off the claim. I found out later that they don't bother reading the portal claims. They collect payment by submitting you to IC System. 
I get notified by the US Postal Service of incoming mail. I have all the notices from USPS of the 2 receipts from IC System AFTER I paid, showing a payment receipt and a payment agreement. The USPS has no notices to me from IC System prior to the payment receipt and payment agreement.

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 2022-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America unknown to us froze our checking and savings accounts. Not notifying us. Sent email later stating bill pay wouldnt be impacted. XXXX XXXX XXXX XXXX XXXX VA has apparently filed a fraud investigation on a trust fund that I was durable power of attorney for XXXX XXXX XXXX and trustee for trust fund set up in XXXX of XXXX XXXX dollars. None of the money had been used. It was there for safe keeping for XXXX. I have taken care of him for almost XXXX years. Because of health reasons doctors at XXXX XXXX XXXX said he needed assisted living. Working with case worker, XXXX and his sister XXXX he was admitted into XXXX XXXX XXXX XXXX XXXX 
A XXXX XXXX friend XXXX claims to be his foster daughter. She is no relation at all. She has wanted to be POA but lives in VA. 
She came and took XXXX to several banks, he knew where the trust fund was. They went to Bank of America with no identification for either of them. No idea what was said but my accounts were frozen and I have no idea who has the {$90.00} XXXX dollars. I do not. I have sent copies of all legal documents to both the bank and credit union. All I get is its under investigation. No date that my money will be released so I can pay bills. These two institutions have totally financially caused us hardship since XX/XX/2022 with no explanation other under investigation. I need 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 2022-12-09
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion is not in compliance with the FCRA and are furnishing incomplete information on my consumer 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 explanation
Consumer complaint received 2022-12-09
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 appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello, I was notified yesterday XXXX XXXX  ) via email to verify my personal email address for an account and notifying me that I had been enrolled in mobile and online banking from the Bank of America. 

I had not requested to open any account and when I called Bank of America to verify they could not verify where I had opened an account with them or not. 

I am worried my SSN is floating around now and being used to open other accounts or for fraudulent use. 

Thank 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 2021-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I try to resolve the problem with XXXX the company and send it them a copy of a police report from XXXX County Police Department and also XXXX XXXX XXXX county police department and they did not honor my request and I think its a shame that you can not present me any documents with my signature on it instead of all of it itemization home and I do not owe {$50000.00} in debt in my Social Security number is not XXXX it says I live in XXXX county I never live there before. I think a school representative did that when I called about information about a program years ago

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 2018-09-13
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: Personal information incorrect

Complaint:
There are multiple names on my account that do not belong to me.

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 2023-02-21
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights XXXX Or list of inquiries 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