BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
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: Credit inquiries on your report that you don't recognize

Complaint:
Dear Consumer Finance Protection Bureau, I am writing to bring to your attention a serious issue that I have been facing with fraudulent inquiries made on my credit report with all three credit bureaus ( Experian, XXXX, and XXXX ). Despite numerous disputes that I have raised with the credit bureaus, they have refused to remove the fraudulent inquiries, which is causing me undue stress and financial harm. Please see below a list of inquires I want removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), credit bureaus have a legal obligation to maintain accurate and up-to-date information on consumers ' credit reports. They must also take reasonable steps to verify the accuracy of the information that is reported to them, and remove any information that is found to be inaccurate or incomplete. 

In my case, the fraudulent inquiries that have been made on my credit report are affecting my credit score and making it difficult for me to obtain loans or credit. I have made repeated requests to the credit bureaus to investigate and remove these fraudulent inquiries, but my requests have been ignored or denied. 

I demand that the credit bureaus take immediate action to investigate the fraudulent inquiries and remove them from my credit report in accordance with their obligations under the FCRA. I also request that you take appropriate action to enforce the provisions of the FCRA and hold the credit bureaus accountable for their failure to comply with their legal obligations. 

Thank you for your prompt attention to this matter. I look forward to a resolution that will help me restore my credit standing and repair the damage caused by the fraudulent inquiries. 

Respectfully, XXXX XXXX Formally known as XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have reached out personally and so has the agency hired on my behalf to do so named XXXX we have reach out to all major Credit Agencies Lexus Nexus, and others I have submitted metro 2 letters of challenge and compliance with no response for 2 months now. I just sent out last week round 2 of the same letters and am waiting to hear back. Since they have had enough time more than 30 days since round 1 letters to respond. They haven't done so I am reaching out to CFPB for help in cleaning these issue up ASAP. 
I also submitted letters and proof to all above mentioned agencies to remove false reporting data from my accounts as the name and address are incorrect as is all the other reporting as I have never extended written consent to any reporting agency to report anything on my behalf. I have hired XXXX credit repair agency to act on my behalf to dispute fraud with said agencies and I have also myself send out letters requesting immediate removal of fraudulent reporting as I have NEVER gave permission to any company to report anything on my behalf except the above mentioned credit repair agency. I have not been able to reach anyone from the above mentioned credit agencies. I am frustrated and want my credit cleared ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Peoples Credit Inc.
State: IL
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:
On XX/XX/2023 I had a car company my boyfriend was buying a car at run my credit report ( hard report ) without my consent and or knowledge. I told them that I didnt want to be on the deal yet they ran my report twice that day and then again on XX/XX/2023. And when trying to get my personal information back from said company it was impossible. I would like these fraudulent credit runs taken off my credit report and something done about these guys doing this to another woman that is trying to just get away from these guys.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or XXXX, I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report. 

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have XXXX days to investigate disputes. If you can not verify the information within the XXXX-day time period. 
You must delete all of the disputed accounts from my report. It has been more than XXXX days. You must now delete the disputed and unverified inquiries. Failure to do so can result in a {$1000.00} fine per undeleted item. 

-- - XXXX  XXXX XXXX, 2021 -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXX XXXX Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF ED/XXXX  LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original bal {$2200.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXX U S DEPT OF EDXXXXXXXX POTENTIALLY NEGATIVE Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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, privacy and confidentiality under 15 U.S CODE 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX 15 U.S CODE 1681 section 602 A. States I have a right to privacy.

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

15 U.S CODE 1681c. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer 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 CODE 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 2023-11-15
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
My student loan servicer is intentionally delaying my teacher student loan forgiveness. After completing my 5 years teaching in a high needs school, I submitted by application to Great Lakes Borrower Service. Unfortunately, my loan was transferred to Nelnet during that process. I resubmitted my application and Nelnet sent the application back to me on reasonable cause. I have since had to resubmit my loan forgiveness application 5 times for various petty reasons such as the signature date being too old or the signature being slightly faded. Does the signature date actually matter? The signature was old due to the fact Nelnet took over my loan. They also fail to tell me about these issues upfront. I did not learn the signature date was an issue until my 3rd resubmission. If it truly was an issue, why wasn't I told that upfront when I made other corrections. 

Every time I resubmit my application I ask for any corrections to be emailed back to me but instead they mail it back to me which delays the process even longer. They flat out disregard my request to email. 

Additionally, Nelnet 's resubmission process is intentionally flawed. There is no way to submit my application through the website. I can only submit it through email or through mail. Unfortunately, they often ignore the email until I file a complaint through their website. If I try to call I am met with XXXX wait times ( no callback option ) with the worst customer service imaginable. I have been disconnected and flat out told I just need to wait even though they have exceeded the XXXX business day wait period in which they say I will hear back from them. I submitted my most recent resubmission XX/XX/XXXX and have no heard a single thing back from them despite numerous attempts. A simple correction should take mere seconds to check. 

If I email them I am sent back an automated email with a list of frequently asked questions. It is a do not reply email so they have effectively eliminated any communication. Nelnet practices malicious incompetence to ensure all payments are continued let alone the extra interest it is accruing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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:
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 15 U.S.C 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 2023-11-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had two hard inquiries on my credit report from XXXX XXXX and 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 2019-09-30
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/19 AS OF TODAY ITS BEEN TWO WEEKS SINCE WE HEARD BACK FROM ARE POINT OF CONTACT XXXX! WE WERE TOLD BY A SUPERVISOR TO RE-DO A RMA! WHY SHOULD MY HUSBAND HAVE TO REAPPLY FOR A MODIFICATION WHEN WE WERE LIED TO AND SLS COMMITTED FRAUD! THEY HAVE BEEN NICE TO US IN THE  PAST SINCE WE WERE SOLD TO THEM YEARS AGO BUT ENOUGH IS ENOUGH WE WILL DO ANOTHER RMA FOR A MODIFICATION WE WILL NOT LOOSE OUR HOME WE HAVE BEEN HERE FOR OVER 26 YEARS! AND I WOULD LIKE TO KNOW WHAT HAPPENED TO THE XXXX I DONT KNOW THE EXACT AMOUNT * IT WAS WHEN XXXX WAS PRESIDENT HE HAD THIS HAMP THING FOR PEOPLE WHO NEEDED HELP WITH THERE MORTGAGE AND A % WAS TAKEN OFF OUR MORTGAGE I WOULD LIKE OUR LOAN TO BE LOOKED OVER BECAUSE SLS PUT THE XXXX ( AGAIN I DONT KNOW THE EXACT AMOUNT IM LOOKING FOR THE XXXX ) BACK INTO OUR BALANCE WHICH IS FRAUD! THAT MONEY SHOULD BE PUT BACK INTO OUR MORTGAGE BECAUSE WE DONT OWE WHAT THEY ARE SAYING ITS MUCH HIGHER NOW BECAUSE THEY ADDED THAT BACK IN!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I asked by a friend to cosign with her on a car. When the paperwork was brought to me at work I was the buyer and her name was n't even on the contract. I questioned why I was the buyer and not the co-buyer and was n't even informed that she was n't on the contract with me. I signed after hearing the reason why from the salesman but after thinking about the situation asked the dealership to change the paperwork and make it right. My complaint right now is with Chrysler Financial Corporation because I informed them what had taken place and that I was worried about how this would effect my credit. Chrysler Financial Corporation did escalate this to the office of the president and talked to the dealership but because I signed the contract there 's nothing they can do and its up to the dealership. The dealership made material misrepresentations on applications ( me as a buyer instead of co-buyer ) without informing me by phone or written agreement. Never was informed under the XXXX Practices Rule that states " creditors to advise consumers who cosign obligations about their potential liability if other person fails to pay ''. I let Chrysler Financial Corporation know that the car was taken back to the dealership because they misrepresented the paperwork to me that I signed. Never talked to a finance person and as of this day of XXXX/XXXX/15 never been on the dealerships property. So this complaint is about how Chrysler Financial Corporation views my obligation to this contract under misrepresentation by the dealership they finance cars through. Yes I did sign the contract but the only person I every spoke to before signing the paperwork was the sales person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Relay Financial (US), Corp.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened Business Checking and Savings accounts with Relay Financial on XX/XX/2023. Over the next week, I made XXXX ACH transfers from accounts held at other financial institutions : XXXX : {$10000.00} ( ACH Push ) XXXX : {$10000.00} ( ACH Push ) XXXX : {$10000.00} ( ACH Push ) XXXX : {$5400.00} ( ACH Push ) XXXX : {$100000.00} ( ACH Pull ) the final transfer said it would be complete in XXXX business days. XXXX days later, the transaction completed, and Relay Financial immediately froze my accounts. I replied to an email from their support team on XXXX with the requested bank statement from the bank where the funds originated. 

I received no updates indicating when the accounts would be unfrozen, no information about any interest that would be earned on the funds while frozen, and no consolations or information on how we could pay our outstanding bills. The support team did not answer any of my questions, only providing generic responses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: NY
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 3 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Block, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX, I wasnt able to use my Cash App card, because they said suspicious activity! I transferred {$200.00} from my bank account which is connected to Cash App! So where is the suspicious activity? After I asked how is that suspicious activity, then Cash App begins that they need proof of where I live! They said I could send in my Drivers License or ID and I did! That wasnt good enough! I address on my Drivers license is the same as my Cash App account! Now its you live in a Hotel, I need something with a Letter head saying you live there! I send in this piece of info and its still not good enough! Mind you this is a rooming house now and theres plenty of other people living here with Cash App cards and they are not going thru this issue! I have been constantly paying fees to them because I have to cash out my money because I cant use my card! I also purchased a new card from them and cant use it, yet they wont refund my money!

Company response to consumer: Closed with explanation