BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: OK
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-04-18
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: Dovenmuehle Mortgage, Inc.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We opened a Home Equity Line of Credit with XXXX XXXX XXXX XXXX. The funding was available on XXXX. Our banker said we were supposed to receive an introductory rate for a year. But it seems that didn't happen. 
My complaint is about Dovenmuehle that took over the processing of the HELOC and the statements. We made one interest payment to XXXX XXXX with a due date of XX/XX/2020 for {$280.00}. And also made a principal payment of {$3100.00}. When the monthly billing statement came from XXXX, I called because I felt they were charging too much interest, that is due XX/XX/XXXX. ( {$1000.00} XXXX Our payments were drafted on XX/XX/2020, due to the holiday. I did not pick the drafting date, so interest was charged for 3 days extra, through no fault of ours. 
I called Dovenmuehle on XX/XX/2020 and spoke with XXXX. She said she saw the problem and opened a ticket. She also asked that I send an email stating I did not want drafting on XX/XX/2020 until the interest situation was resolved. I received an email from XXXX XXXX which stated the formula for calculating interest. She did not address my concerns. I tried calling her, but her phone # did not answer, even though it presented as a business phone # with an extension. So I called Dovenhuehle again and spoke with XXXX  ( sp? XXXX. She said she couldn't put me through to XXXX. So I went over everything again with her. She said there wasn't a problem. I again called and tried to reach XXXX and I got XXXX. He wouldn't put me through to XXXX either. He said he was a supervisor. I was not happy with his explanation either and he said most likely the interest amount in question {$1000.00} would be drafted on XX/XX/XXXX. XXXX said she saw the problem and XXXX and XXXX and XXXX XXXX did not. I don't know who to believe as their responses to me all differed. I feel we will be paying more interest, than necessary and I can't get resolution. What should be our next steps? It was so much easier just working with XXXX XXXX XXXX. Not impressed with Dovenmuehle at all and wish they weren't involved with our account. We may end  up changing banks if we can't get good personal service. Please let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is from a student loan in XXXX & pell grant in XXXX & the loan is in process of being forgiven. Why they reported it to my credit in XXXX more than 10 years later I will never know! The amounts are equaling to almost {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I need my student loan payment records for the years XXXX to XXXX. The student loan records show I was in default but I was making payments. I also want every system note that was made regarding my loans from XXXX to XXXX. I need to know how I can dispute the inaccuracies in my records and have them fixed. XXXX error that I found includes a school attendance date in XXXX for XXXX University. I did NOT attend XXXX University in XXXX! I want any and all records to help me figure out where the payments I made went. I'm about ready to go to a class action attorney. With no records the servicers could record anything they wanted to without having to prove it. I find it unbelievable that if I was really in default in XXXX, that no one filed a legal action. The servicer took my payments and failed to credit them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was offered XXXX bonus points but now I am told it is only XXXX bonus points. It is currently being offered XXXX bonus points and believe this is misleading. This is an unfair and deceptive business practice by the Barclays XXXX credit card. 

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Capio Partners, LLC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never did business with this company. Requested validation of debt : original contract with my wet signature. Haven't heard from them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One is currently reporting late payments to the credit reporting agencies. In accordance with the fair credit reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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 2018-12-14
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
FIRST FED CREDIT CONTROL # XXXX, # XXXX, # XXXX, # XXXX, # XXXX To Whom It May Concern : This COMPLIANT is being sent to you in response to your recent communication This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. 
Your legal staff will agree that compliance with this request is required under the laws of Ohio and Federal Statutes. 
In addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. 
Your receipt of this letter will be considered as having granted consent to the taping of any and all telephone calls to me at my home or business by you or your agents or assigns I require compliance with the terms and conditions of this letter within 30 days. or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX  and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 
I also hereby reserve my right to take private civil action against you to recover damages. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: IL
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 have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account Bankruptcy XXXX  XXXX Date Filed/Reported : XX/XX/XXXX  Reference # : 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 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THIS ACCOUNT LISTED WAS OPEN FRAUDULENTLY I DID NOT OPEN THIS ACCOUNT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA & # 39 ; s. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-11-12
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is a collection agency called American Profit Recovery stating that I owe them {$53.00}, this company added this collection to my all 3 credit bureaus and I would like for them to have them removed immediately. Tried contacting them and they where unable to tell me where this debt is from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have entered my bank account information for auto pay for my federal student loans before XX/XX/XXXX ( when my first payment was due after the payment pause ). This would result in a XXXX XXXX interest rate reduction. 

I was notified that my payment was denied due to insufficient funds in my bank account ( I have significantly more money in there ). I tried instead to do a one-time payment, and it was also denied for the same reason ( insufficient funds ). My payment is now late and I am at risk of my credit being impacted. 

I have not been able to get in contact with Nelnet yet over this issue and when I researched the problem it appears this exact scenario is common.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Third party debt collectors have not shown me proof of any alleged debt on my XXXX credit or any of the other credit reporting agencies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
My rights as a consumer are being violated since the information in this credit report is not accurate. The credit report should be verified, complete, and true in order to meet the FCRA and Metro 2 data field formatting standards.

This is MY 4th REQUEST for a deletion of all personal identifiable information from my consumer credit report with the EXCEPTION of :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Last year in 2019 I went through a company called XXXX remodeling to get an estimate and try to get financed for a new roof. That company ran my name through multiple other companies to try to get me financed. So on my credit report it is showing about 3 or 4 different company names on the same day as hard inquiries. After reading on the fair credit act. It stated that any inquiry for the same purpose with in 30 days would be considered one. I called transunion to try to understand why it was listed as 4 different times even though it was for the same purpose through the same company and the company had tried to get me financed, why is it not one. And the gentlemen I spoke to said it is seperate because its seperate financial companies that they went through. So I am confused as to whether it should really be 1 or 4. I am submitting this because i have recently looked into getting my car refinanced and on their page it says this : " When you go rate shopping to refinance your car loan, you can make as many inquiries as you like within a 30 day period. All of these inquires will be treated as one single inquiry as far as your credit score goes. Auto refinance lead finder services, like XXXX, are ideal in this situation since they can make inquiries to nearly one hundred different lenders all with little to no impact on your credit score. '' So to me I feel I am being misled into allowing multiple things attack my credit when they are advertising it to only be considered one inquiry.

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 2023-10-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened up an account with Navy Federal, 3 days later I attempted to transfer funds from my XXXX XXXX ( old account ) through XXXX. Navy Fed denied it so I tried to request the money through through Navy Fed to XXXX XXXX XXXX. They locked my account so I called and verified with Navy Federal I knew of the charges and explained the same thing. I opened up a new account and attempted to XXXX money from my old account to my new account. He okayed the transactions and restored my account to full access. 3 days later I find out my account was permanently locked and I am banned from Navy Federal forever. I have attempted to figure out what is going on and explain my side of the story. No one will tell me why my account was locked, security said it could be restored but I needed to talk to XXXX because they claimed it as fraud. I called XXXX and they told me to call navy federal. I have spoke to security at navy federal ( which was the most helpful ) and 4 others agents including a supervisor. They have all told me there is nothing they can do and it will not be reversed. Now I have {$1500.00} in that account I cant touch and no information of why I was flagged for fraud.

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 2023-04-08
Company: BMW Financial Services NA, LLC
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:
During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city and the hospital essentially were on lockdown. I was no longer able to see patients in office because of .During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city, and the hospital essentially were on lockdown. I was no longer able to see patients in office because of the pandemic. I was no longer able to perform procedures due to COVID-19 unless they were emergent. This significantly reduce my income. I was unable to make payments and even call Bmw financial to discuss my situation. Under the Cares companies were supposed to make concessions because of the difficult times during the pandemic. When the hospital allowed us to resume normal work, I am mediately paid the remaining balance of my auto loan off which was almost {$7000.00}. I have disputed the claim of me being late many times, but Bmw refuses to remove the late payments. I have hired an attorney and given power of attorney for assistance. BMW Financial refuses to cooperate. Are no longer owe them anything. Its unfortunate that during the time of a global pandemic that they wouldnt take advantage of individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation