BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: AES/PHEAA
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 have attempted multiple times to receive information on income driven repayment plans and the Public Service Loan Forgiveness program and it takes months for responses. I am passed around from person to person and continue to receive conflicting information. Information posted on the FedLoan, XXXX, and Department of Education websites also provides conflicting information. I was also falsely kept in deferment after attempting to apply for an income driven repayment plan which potentially decreased my time in qualifying repayment. I was told I couldnt even apply until 4 years after my graduation. I have worked for over 10 years in public service for a qualifying employer as a school counselor and made my payments which should result in forgiveness. However each time I apply or ask what I need to do, I am given new unpublished reasons for why I dont qualify. The PSLF program is a sham that keeps individuals who have worked years in public service and have based major life decisions on from receiving the forgiveness they have earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: CT
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:
I went to the XXXX, was fully insured, gave my insurance card at the time ( they ALSO had it on file ) Was billed anyway but was never sent a bill until it was already in collections!!! XXXX removed it, however Equifax and XXXX " Validate '' the debt XXXX knows HOW but they do Proof of insurance attached as well as proof that what was done is 100 % covered!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On  XXXX   XXXX ,  2016,  I purchased/financed a vehicle with Kia  XXXX   XXXX   XXXX . During sell I was informed by in-house finance manager that I would be given 90 day deferred payment. Unfortunately, this has caused problems to date. My car was repossessed but I was able to retrieve car back but informed that I had to pay past due balances and fees. I should never had past due balance as I was supposed to have the 90 day deferment that was offered during original sale. I have attempted to dispute but have been unsuccessful. I should not be responsible for late fees, repo fees, or any additional fees. I need help to rectify this ongoing lengthy issue that I have already expressed to finance company customer service. Issue unresolved to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The collector Jefferson Capitol LLC on XXXX XXXX at which time the call dropped and I returned the call at XXXX, and never received written notification of debt. I spoke to a manager by the name of XXXX today who informed me to put it in writing and mail to her. I sent them a certified return receipt letter today as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: EQUIFAX, INC.
State: FL
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:
n 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. 

EQUIFAX INQUIRIES : 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. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. The following fraudulent items are needs to be removed : XXXX XXXX XXXX & XXXX Opened XXXX. XXXX, XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX XXXX  {$700.00} ; XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX  XXXX, WI XXXX ; XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX Bankruptcy  : Bankruptcy Reference Number XXXX ; XXXX XXXX Bankruptcy  : Bankruptcy Reference Number 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 2023-03-29
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XXXX XXXX. A payment was made to XXXX mortgage in the amount of XXXX from my credit karma account however the account was negative XXXX cent so the payment was NSF. the same day I try to transfer a dollar from my saving to my checking account to resolved the negative balance so that credit karma would not NSF that transaction but was told there was nothing that they could do so that would mean that I would have to get a NSF charge from my mortgage due to them not allowing XXXX to pull the money. so since i knew the money would be there tomorrow, i went ahead and schedule the payment for tomorrow. The payment was pull for tomorrow however the NSF had not been completed that morning so this gave me another NSF from my mortgage company. I try to call credit karma and let them know the situation since this was the second time and since they told me the money would have been there today even tho now i can see this was a timing issue but after speaking with a supervisor he just hang up in my face and didnt care about anything that i had to say which mean that i am not value and this mean I need to take my business somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Bread Financial Holdings, Inc.
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-02
Company: TrueAccord Corp.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am submitting a complaint against XXXX XXXX XXXX for wrongfully attempting to collect debt for an item I never even received. 

I placed an order from XXXX on XXXX XXXX, with an order number of # XXXX in the total amount of {$210.00}. I had an XXXX gift card in the amount of {$36.00} which was placed towards the item, leaving a balance of {$190.00} to be paid. I used a XXXX prepaid card to make the purchase and was to pay the remaining balance off in 4 equal installments, beginning on the date of purchase. 
I paid {$41.00} in addition to using a gift card with the purchase of {$36.00}, for a total amount of {$77.00} on XX/XX/XXXX. 

Essentially, I never received the order I placed with XXXX. The associated tracking information for ORDER # XXXX asserts that my package was delivered to a " mail room '' on site here at my apartment. At the time, my apartment did not have a " mail room ''. 
Additionally, I have indicated specific and direct instructions with my XXXX orders to leave the package at my front door. 
Initially, I reached out to XXXX to resolve the order in which they told me to inquire again if the package did not show up a few days later. Additionally, I even went to my apartment 's leasing offices & no one knew the whereabouts of my package. 
I waited a few days before reaching out to XXXX to resolve the issue. 
I was told that I could not receive a refund because the order marked delivered. 
I find this odd, because there was no picture at all of my package that was allegedly delivered. Usually, XXXX takes a picture of delivered packages & uploads them to the order tracking for proof of delivery. 
I reached out several times to XXXX before reaching out to XXXX to dispute the charge. The XXXX transaction I made to initially obtain the prepaid card to pay for the XXXX purchase is referenced as Order # XXXX. 
I kept getting sent in circles by XXXX for months as we went back and forth regarding the issue via email. 
On XX/XX/XXXX, almost 6 months after placing the order on XXXX I never received, XXXX kept assuring me via email that my issue has been " forwarded to our Specialist Team for investigation and they will get in touch with you as soon as possible ''. 

Almost a month later I received an email on XX/XX/XXXX that XXXX has reported me to a collection agency for a purchase I did not receive. XXXX failed to notify me that they were sending me to collections for a purchase I did not receive. 

XXXX did not help me with this issue as I reached out multiple times for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Duvera Billing Services, LLC
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Block, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I established individual CashApp Account XXXX associated with XXXX XXXX Account XXXX in XXXX of XXXX as the sole account owner and authorized user. The preceding was undertaken by me personally in my name and with my Social Security Number of XXXX, address indicated at the top of this letter, phone number of ( XXXX ) XXXX and email of XXXX. I never modified the account in any way after inception nor added anyone else for account ownership or even access. 
After disputing three XX/XX/XXXX transactions where both my CashApp balance and connected XXXX XXXX checking account XXXX were debited for the same transaction, which had me paying twice ( XXXX XXXX XXXX XXXX Card Payment of {$7.00} on XX/XX/XXXX ) and thus being due a refund for the duplicate debits. When I requested a refund, instead of issuing credit and fixing the software glitch of a missing reset command, you forcibly closed my account, kept the duplicate debit money and then allowed unauthorized access to my account for over a year. 
Why would CashApp allow an unrelated party to take over or basically highjack the account of another customer, and how is this even possible? Did CashApp just oblige a call in request. The only conceivable reason for someone accessing the account of someone else is to accommodate illegal credit transactions, the deposit of stolen checks or accessing payments intended for another party, and subsequently affect unauthorized debit transactions, most likely offsetting back-to-back debit transactions to another account to conceal the theft but possibly even debits similar to those made by the legitimate account owner. The hijackers or those responsible for the theft are identifiable as the same as the beneficiaries of the debit transactions of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is incorrect personal information on my credit report

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items arebeingreported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-28
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just received notification someone is trying to open a credit card in my name they did a hard inquiry for the XXXX credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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 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 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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 federaly protected consumer rights to privacy confidentiality Under 15 USC 1681. 

ACCOUNT NAME # XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXXXXXX 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 604A section 2 : it also states a consumer reporting agency can not furnish an account without 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 conviction of crimes which antedates The report by more than seven years.

15 U.S.C 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agencies 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 non-monetary relief
Consumer complaint received 2021-05-15
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Hear the recordings I have spoken to two different persons from fraud team. One of the person was giving me wrong information with full confidence. Then I asked his manager to talk to me. Here is what is said. Everything is recorded by me and i hope they also record the conversation.

1. He said that the card will work for 45 days even if customer report that as stolen.

2. When i asked here is this information mentioned in Card agreement, he started bluffing and finally we both agreed that Amex is doing information hiding. Where they willfully hiding this information. 

So basically Amex allowed stolen credit card to work with some specific types merchants even if customer report the card was stolen. 
So as a customer notifying to amex is sufficient. 

THE MOST IMPORTANT QUESTION THEY STILL NOT ANSWERED HOW DID THE PERSON WHO STOLE MY CARD WAS ABLE TO MAKE TRANSACTION ON XXXX XXXX WHERE I ALREADY NOTIFIED to THE AMEX ON XXXX??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello- I'm submitting a compliant to Nissan Motor Corporation for not notifying me in reporting missed payments to the credit bureau. They have never gave me time to pay my monthly loan amount and they went ahead reported me to the credit bureau. In XXXX, I have received five missed payments- XXXX, XXXX, XXXX, XXXX, and XXXX. 

I was not notified by Nissan Motor Corporation of their plan to submit a compliant to Credit Bureau. My monthly payment is {$350.00} and I have never missed a payment in XXXX, XXXX, XXXX, and XXXX. 

My loan amount is {$21000.00} and it was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation