BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-22
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I began the process of applying for the SAVE plan via studentaid.gov at least 2 months prior to the repayment begin date of XX/XX/23. As of XX/XX/23, they still have not completed the request. I submitted at least 2 applications via studentaid.gov and 1 through Edfinancial 's website. They kept denying my application incorrectly stating I needed updated proof of income ( I both gave the access to my tax return via the IRS process AND uploaded my '22 return on their website ) and they said I had to call and request to be removed from IBR and make a {$5.00} payment. This is an unnecessary burden b/c the studentaid.gov site allows you to request to be removed from IBR and pay a reduced pay forb payment of {$5.00}. It took a complaint to FSA to get them to process the app ( amazingly enough, they did have what they needed to process after all ) but, of course, they did it wrong. They used a household size of 2 instead of 4 as indicated on allll my applications and tax returns. So I told them to reprocess, which they have yet to do and the due date is a week away. These companies are not equipped to service these loans. I already caught them adding on {$43.00} in interest which took escalated complaints to FSA to get them to understand and resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian AND XXXX XXXX needs to follow the consumer Protection Law. I disputed XXXX XXXX XXXX XXXX XXXX services. I filed a complaint against both companies with the superior court of Alameda County based on reporting incorrect information on my credit file and negligence. in XX/XX/2020 XXXX XXXX XXXX attorney reached out to me and we settled because both companies were at fault on a proper loan modification and making correction to my credit file by removing 120 days late. I have asked experience in the past to properly investigate this account. the outcome of the dispute was that's XXXX XXXX XXXX and XXXX XXXX  or reporting it correctly. I believe Experian did not investigate or talk about this matter seriously. I am providing Experian with a court document and settlement with both Banks agreeing to remove the incorrect 120 days late. I'm expecting Experian to follow the law and make corrections to my credit file according to my call document. I was not selected as a XXXX XXXX customer so there is no reason select profile recessed can report me 120 days late. XXXX also refused to take my payments which is clearly stated in my complaint against the company. any of these leads showing on my credit report are not my fault actually I was damaged by XXXX Bank financially by reporting incorrect information on my credit files.

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 2023-11-18
Company: EQUIFAX, INC.
State: CA
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

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


Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/2023 - UNAUTHORIZED INQUIRY XXXX XXXX XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The inquiries listed in my report were unauthorized XXXX requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below 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 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 2022-08-26
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:
According to 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 XXXX, XXXX, TransUnion have violated my rights by publicizing my information without my consent. I have tried fixing this issue but I get no results. Also I have unauthorized hard increase on my account.

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 2022-10-12
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PLEASE REVIEW MY PREVIOUS CLAIM Please read and see images XXXX and XXXX to reference. XX/XX/22 i was charged XXXX twice. That would be from image XXXX XXXX equals XXXX for XXXX travelers. Also XX/XX/22 i was charged XXXX XXXX times ( refer to image XXXX ) that is XXXX for XXXX XXXX. On XX/XX/XXXX XXXX was charged for XXXX travelers please refer to image XXXX for XXXX Also XX/XX/XXXX XXXX was charged for XXXX travelers for XXXX Then XX/XX/22 trip protection XXXX and XXXX The additional charge of XXXX from united is unauthorized and unaccounted for. The other images i sent show the total for both receipts which comes to i believe XXXX and XXXX that is XXXX and as you can see on my statement i was charged a total of XXXX PLEASE REVIEW MY PREVIOUS CLAIM There is {$280.00} inaccounted for. Please look at images. I had XXXX purchases from XXXX for XXXX XXXX XXXX XXXX XXXX. Both receipts are attached and you can see what inwas charged and if the charges are totaled uo i was charged a extra {$280.00}. You can even see the XXXX rep say that charges is unaccounted. 

I have disputed this XXXX time already and no one has taken the time to review the actual fact. I keep having to take time out of my work day to call and its causing me major stress and anxiety. If this is not resolved I will be taking this to small claims court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 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 explanation
Consumer complaint received 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
This involves XXXX, TU and XXXX. The case about debt collection with XXXX XXXX XXXX is in court. The judge dismissed the request for a summary hearing. Yet for the past year these 3 credit report bureaus have been affecting my scores by reporting it as a collections I owe. I dont know if they are higher than the law or the courts in the land. I sent them a copy of the judgement and they still did nothing about it. XXXX did not even bother to respond.

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 2023-06-09
Company: Incomm Holdings Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received card as a XXXX present, it was loaded with {$500.00} XXXX, and given to us on XXXX. When trying to activate the card the site, XXXX, said there was an issue with the card and to call customer service, XXXX after several attempt and hold time of 30 minutes plus we got to talk to an agent each time only to put us on hold to " investigate '' and then would drop the call shortly after. Attempted to escalate to supervisor and was disconnected after the agent stated they did " do that ''. 
The agent confirmed that the funds were loaded, there was no transactions, and the balance was XXXX. No help to resolve this issue from the company and horrid customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act 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 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 2023-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I received another bogus letter from Captial One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX dated XX/XX/XXXX I called XX/XX/XXXX at XXXX the phone number and spoke to a representative named XXXX that could not reference the letter without my full ss # and never asked for the account no. there is no way anyone should give an ignorant person there full ss # or any other personal information, if they don't how to access an account by name or account no. who has to be a fool. 
Dear XXXX XXXX We need to verify some additional information on your account that was opened on XX/XX/XXXX to help keep you account safe and any authorized Users won't be able to make transactions using any credit card issued under the account until you contact us. 
Please call our Fraud Department at XXXX anytime, seven days a week, to verify your information. 
if you have already spoken with us and your case has been resolved, you can ignore this letter and there's no need to call us back. 

Sincerely, Captial One Customer Care Team

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information that appears on my credit report on XX/XX/2023. 

Inquiry from XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX There are multiple inquires all within a days of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately Inquiry from XXXX CARD SERVICES on XX/XX/2023 XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX. 

There are multiple inquiries all within days of each other on my credit report, but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Please delete or correct the disputed information as soon as possible. Thank you for your assistance.

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 2023-11-07
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I took an auto loan out from US Auto Sales almost 3 years ago. I remained current until they closed their company earlier this year. After which, Westlake Portfolio Management took over the loan. They refused to send a power of attorney for almost 2 months. At which point they claimed I owed over {$1000.00} in " late fees '' that accrued while I they refused to send a POA. Once received, I attempted to work with them. Requested that they differ these " late fees '' to the end of the loan, they claimed the interest raise on the {$750.00} differed would increase drastically enough that I would own an additional {$5000.00} at the end of the loan. They also claimed I owed over {$17000.00} on the principle of the loan. I told them this was impossible as the total loan was {$20000.00}, and I had been paying for almost 3 full years. Should be at most XXXX XXXX remaining. They said I was wrong. I requested a copy of the contract to validate the amount owed and the interest rate. They refused, and continued to refuse any and all validation or documentation from that point forward. Their customer support team is abusive, and dishonest. When I requested call recordings, they refused again. They have now repossessed my vehicle at this point. I told them I would not pay until they validated the debt, and since they have refused to send any validation, they have now taken my car from me. I have since learned that they are denying titles for other individuals who do pay their balance, as well as double charging, reporting payments incorrectly, or not at all - all on top of attempting to collect on an invalid amount. This is a predatory company running scams on those who do not have good credit, or the means to truly defend themselves against a company like this. They are preying on the people who have the least, and it is disgusting. I was told by an attorney to leave a complaint here, and I hope this makes some kind of difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am formally requesting the deletion and removal of the following accounts and associated information from my consumer report. The accounts and details listed below should not have been reported in the first place, constituting a clear violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I insist that these accounts and information be promptly deleted and removed from my consumer report to rectify the violation of these laws. Immediate action is necessary to comply with this request. Remove these accounts and information without delay!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: GA
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:
The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Source of information : 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 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 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 2023-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.

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