BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-30
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have over XXXX in student loans. I applied for the federal loan forgiveness program as I work at a non for profit hospital. Fed Loan Servicing is who I have been working with. They informed me that I had to consolidate my loans in order to get approved for the program ; which they did. I paid my affordable payment religiously for over a year. I was notified that my payment was going from XXXX to XXXX all of a sudden because they said someone caught a mistake that was made in my consolidation that could not be reversed. They stated that the parent plus loans I received for my son were included in the consolidation and disqualified me from being able to have my discounted payment. Now someone who was paying on time every single month working towards the goal of loan forgiveness can now not pay a dime. Everyone loses. My husband passed in 2014 and I am a single income home now. A payment that large is nearly all of one of the only two checks I receive a month. All this over someone 's XXXX up that had nothing to do with me..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2018-11-15
Company: EQUIFAX, INC.
State: OH
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 Account was disputed and deleted by the credit bureau ( Equifax ) in XX/XX/ 2018, it was then sold to another debt collector and is being reported again illegally and Equifax has allowed this!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
For over 2 years now I have been denied a fair & accurate consumer report by Transunion. On over XXXX occasions Ive submitted disputes along with proof of the inaccuracies and FCRA violations via certified mail. On XXXX occasions Ive received a generic verified response, & on XXXX occasions I received no response at all. Ive always had my suspicions that they were not actually reading my letters or properly investigating the information that Ive shown them is incorrect. So it was disheartening when XXXX XXXX XXXX of the House XXXX XXXX announced their findings that Transunion discarded disputes without investigation and have repeatedly violated the Fair Credit Reporting Act. Now I am sure that I have been a victim of this unfair practice. I can easily use my mortgage account on my consumer report as a clear, undeniable example. In XXXX of 2019 at the end of the month it reports as XXXX. In XXXX of 2019, the very next month, Transunion marked the payment as 60 days late. I was not 60 days late nor is this even possible to be on time at the end of XXXX but 60 days late in XXXX. I submitted this information, and again a true investigation was not done. I received a generic verified response. How is it EQUITABLE to me as the consumer to let the reporting agencies know that the information theyre reporting about me is inaccurate along with proof, but in their so called investigation they get to just ask the other party ( or not ) is this true and click a button? Along with this clear violation there are also XXXX other accounts listed on my consumer report that violate the Fair Credit Reporting Act. This has caused me unnecessary pain, stress, and hardship. As a result of Transunion continuously violating my rights after I tried to resolve this amicably, Ive also filed a complaint along with the violations & evidence of wrongdoing to Alabamas Attorney General, 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 2021-08-11
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: Was not notified of investigation status or results

Complaint:
I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The Fair Credit Reporting Act ( FCRA ) ( XXXX XXXX. XXXX and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. In accordance with the Fair Credit Reporting act.

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.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX - XXXX  reported that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. Also, stated that I made payments in XXXX and the other companies don't show that. 

Account name XXXX XXXX XXXX Account number XXXX -XXXX  XXXX that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

Account name XXXX Account number XXXX -TransUnion XXXX that I had XXXX late payments on the following months : XXXX and XXXX. Stating that I made a payment in XXXX on time. 

This information is inaccurate and the self account is stated closed on my credit. I will like for this account to be deleted off my records for being inaccurate and closed. XXXX, XXXX, and TransUnion has violated my rights by reporting inaccurate information. Also, these agencies reported self account name under XXXX different types of account names.

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 2021-08-11
Company: Bread Financial Holdings, Inc.
State: MA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

3. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.

4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft CB/VICSCRT Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: IL
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:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to resolve the issue by contacting Synchrony Bank since XXXX. I have contacted them about this Lowes account on several occasions to inform them that it was identity theft. The last Statement I received was on XXXX for {$10000.00}. They always respond with they will do an investigation but always have come back with I am still responsible for the bill. I have also had the same problems with Synchrony Bank concerning TJX dating back to XXXX for a statement of me owing them over {$2100.00}. I have contacted business consumer alliance in regards to this matter however After two attempts they did not get a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NC
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 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 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 2023-06-12
Company: Experian Information Solutions Inc.
State: OH
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 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 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 2022-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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 any written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, 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:
XXXX XXXX XXXX  HAS OPENED AN ACCOUNT ILLEGALLY AND SOMEONE USED THIS Unauthorized account now is past due and charge off has been posted incorrectly in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX, Account 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 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 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 2017-04-07
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I applied for a payday loan with Check n Go. Prior to the repayment I forwarded several emails requesting a stop withdrawal of payment request due to a family member passing. I even had XXXX my sister contacted Check n Go and requested to speak with a supervisor but yet they still submitted the payment though they were notified that I unexpectedly had to go out of town.They decided several days later to respond. I have the emails to confirm my contacts. I was charged {$35.00} NSF by Check n Go and {$35.00} by my bank. I have a repayment plan and asking Check n Go to take responsibility for the {$70.00} fee and deduct from the amount I currently owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: ND
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased a XXXX XXXX on XX/XX/XXXX, included GAP insurance but interest for car loan was I think 7 % XXXX. Would like to get it reviewed. 

Also paid off a XXXX XXXX on XX/XX/XXXX, after car was considered totaled. XXXX paid them a check and we still had a portion to pay. Would like that reviewed as well

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 2022-08-18
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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX XXXX XXXX. 
Potentially negative Date opened XX/XX/XXXX XXXX {$710.00} XXXX XXXX account. {$710.00} written off. {$710.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$990.00} XXXX XXXX account. {$9.00} FCRA violations : payments never late XXXX XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$23000.00} Status Open.

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 2021-08-11
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicer on my loan was transferred twice between XXXX and XX/XX/XXXX. Before any transfer took place, my loan was through XXXX/XXXX  and the type was conventional without PMI. The modification is on file for taking place in XX/XX/XXXX. This information also corresponds with my documents, the FHA database, and my credit report. Though I made this immediately clear to Shellpoint/NewRez and the investor known as " XXXX XXXX XXXX XXXX XXXX '', they have refused to acknowledge and correct their/the error. Instead they're rude, judgemental, with condensending behavior that act as if companies can not make errors. I've sent all documents including an email directly from the loan Originator stating the way the loan was sold. I've called, emailed, faxed the information twice but they have refused to make any corrections or even reach out. I have about 50 % equity in the home and a conventional loan and wish to not have an Escrow account. My payment was adjusted by them including a XXXX escrow payment for this month ; making payment over XXXX for a 30 year with only XXXX in principal. I immediately need the company to identify the error, correct the error, remove dangerous escrow account, correct payment amount and refund my money ; therefore allowing safe funds in a interest gaining account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
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:
The following company never proved their methods of verification through several stages of written credit disputes : XXXX XXXX XXXX  VA XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX SERVICES XXXX Recovery Operations -XXXX  XXXX XXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) -SELF / LEAD BANK -Attorney General-Child support -Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received XXXX XX/XX/XXXX XXXXispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit 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 non-monetary relief
Consumer complaint received 2023-06-19
Company: Navient Solutions, LLC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts that appears on my credit report that does not belong to me. Obviously someone has my information and have created these accounts.

Company response to consumer: Closed with explanation