BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
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: Investigation took more than 30 days

Complaint:
Lack of dispute response for 2 annum ; Violations of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681, et seq., as amended. 
By sending a consumer dispute to EQUIFAX INFORMATION SERVICES INC., the XXXX   was duty bound to respond within 30 days and failed to do so. 
EQUIFAX has been reporting items that are not verified and inaccurate. These statements and information relating to Plaintiffs credit history have been reporting to third parties. 
According to the FCRA, information that can not be verified within thirty ( 30 ) days must be removed. EQUIFAX failed to remove the disputed items after failing to verify them within 30 days. 
The FCRA requires EQUIFAX INFORMATION SERVICES INC.. to engage in a reasonable investigation of disputes imitated by consumers but EQUIFAX INFORMATION SERVICES INC.. ignored Plaintiffs request for information/ documents for the disputed items. 
Defendant EQUIFAX continues to report this information monthly, sending the same to Plaintiffs creditors, despite marking items in dispute status. 

Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, EQUIFAX INFORMATION SERVICES INC.. is liable to Plaintiff for engaging in the following conduct : negligently failed to timely and properly re-investigate the inaccurate information after receiving notice of the dispute from the Plaintiff and to timely delete the inaccurate information, in violation of 15 U.S.C. 1681i ; and negligently failed to employ and follow reasonable procedures to assure maximum possible accuracy of Plaintiffs credit report, information and file, in violation of 15 U.S.C. 1681e ( b ).

negligently refused to add notice of dispute status in Plaintiffs credit reports in violation of 15 U.S.C. 1681i ( b ).

negligently refused to provide a copy of consumer report upon request upon a consumers request in violation of 15 U.S.C. 1681.

negligently failed to conduct a reasonable investigation pursuant to 15 U.S.C. 1681i ( a ), which imposes on a consumer reporting agency the duty of conducting a reasonable reinvestigation of disputed information.

The conduct of EQUIFAX was a direct and proximate cause, and a substantial factor, in bringing about serious injuries, and actual damages to Plaintiff that are outlined more fully above and, as a result, EQUIFAX INFORMATION SERVICES INC.. is liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
American Education Services refuses to push back pay date for student loan. I am currently in the process of consolidating loans from American Education Services to XXXX XXXX. I was initially told I was approved to change my due date so that it will be due after the consolidation payment was completed. It was also told this process would take 2 business days to complete. However, this did not occur and my account became delinquent. Moreover, my cosigner was notified 5 days after this occurred while I received this notification 10 days later. After speaking to another representative, I was told that I would have to make the request to change the due date before the new due date is posted. That means customers only have a week to submit a due date change before the next payment is posted in the account, which occurs 20 days out. AES was not willing to wave the late payment fee even though I was provided with the wrong information by their customer representative. Additionally, I never received any warning notice that my income based student loan payments were ending for my account. As a recent graduate who lives in a big city and a significant portion of income goes to rent, it is grossly inappropriate for AES to not send any notification that this offer is ending nor does it give graduates enough time to be on the plan ( i.e only lasts a year after graduation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Lexis Nexis sent incorrect information regarding my minor daughter via C.L.U.E report to my auto insurance company which in turn is increasing my car insurance premiums considerably. My minor daughter just received her driver 's license on XX/XX/XXXX. When adding her to my insurance, my insurance company stated they received a clue report from Lexis Nexis via XXXX that stated my daughter was in an " at-fault accident '' back in XX/XX/XXXX. My daughter didn't even receive her temps until XX/XX/XXXX and her license on XX/XX/XXXX. The DOT would not even issue at temp license to a XXXX year old if she had been previously driving illegally and had gotten into an accident. I paid to receive my daughter 's Wisconsin DOT report which came back perfectly clean as well. I called Lexis Nexis and after spending 30 min on the phone with someone located in the XXXX, I was told they would not release the report information to me because I am not my daughter. To do so, they said I had to provide my daughter 's birth certificate, my I.D . and a notarized document proving I am my minor daughter 's legal guardian. So I've gotten absolutely nowhere with them trying to fix their error! Yet they are somehow allowed to sell my minor child 's information to my insurance company without permission???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
There is an unauthorized inquire on my credit report XXXX XXXX XX/XX/2023. I did not apply for any new credit with this company

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 2023-06-16
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
As of XX/XX/2022, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my XXXX XXXX account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and XXXX report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to XXXX, Equifax, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the XXXX Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I am also listed as being apart of a data breach with Equifax. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. 1681 and plan to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is my second time submitting a complaint about student loan serviced Nelnet. The information that they responded to about my first complaint undeniably backs up my claims of the unlawful practices that this company displays and the 90-day late fees should be removed from my ALL XXXX of the credit bureaus. The information that they provided backed up my original complaint that they had contacted me via the incorrect contact method, the details that I will provide show that the email address that they used was one letter away from my correct emailing address. This was simple human error on their end. Although mistakes happen, my credit score is suffering immediately because of the mistake and this issue should be resolved expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Tribal Lending Enterprise, Inc.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a payday loan from XXXX XXXX XXXX for {$900.00}. I called them to arrange repayment in XXXX installments of {$310.00}, {$310.00}, {$310.00}, and {$270.00}. I was shocked to learn that they had lied, and changed the repayment terms to 20 payments of {$310.00}! That is over {$4500.00} dollars, an interest rate of 700 %. This is illegal in California as usury, but they claim to be exempt from State laws because they are on tribal land. This company has received hundreds of complaints and is banned from doing business in some states like Washington. Please help me, I did not know this company was engaging in fraudulent and deceitful practices. They outright lied about the terms of this repayment. They are preying on unsuspecting people who are desperate to pay their bills. They should not be allowed to be in business. I 'm sure you have received other complaints like mine. My daughter is very ill, I am paying all our expenses, and I can not comply with these outrageous terms. These people are liars and not to be trusted. I am changing my bank account so they can not take {$310.00} from me very 2 weeks, which I never agreed to. 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 2020-09-21
Company: BBVA FINANCIAL CORPORATION
State: IL
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:
My bank delayed a few transactions in order to create a negative balance of XXXX during the same day I scheduled 2 transfers to arrive on the same day. I called and the rep told me a XXXX $ NSF fee would be added Tomorrow despite the fact that I had 2 transfers arriving hours after they applied the fresh negative balance to cover it. This means a nsf fee should not be generated and the bank chose to dissolve our relations by trying to delay the transfers in order to steal a XXXX nsf fee even after confirming that they see the transfer coming.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 am a victim of identity theft. I filed the correct paperwork according to the FCRA and attached it to my disputes. The credit agencies are not processing my disputes correctly and not sending me copies of the verification process.

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 2022-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a screenshot of the date I received an email from my bank stating that after paying the item and charging me a fee I had {$150.00} and some cents, now I questioned the bank and they said yes this is the amount in acct. so I stated that Im in the positive and you cant charge me the fee there and as money in account to pay item I have been told twice and I told them I have screenshot of the email as proof I was in positive and they need to reverse fees. Now this morning I look on my Bank of A. App. And I see Im negative XXXX and some cents for transactions on XXXX now yesterday I saw I was XXXX and some cents negative so I rushed and deposited {$5.00} to bring positive I did this before the last deposits can be made at XXXX  XXXX. Which would be XXXX California time. Which it shows posted on XX/XX/22. Now anything that comes in is posted for XX/XX/22. So the fee they charged on the XXXX is in correct because I was positive the they decide to charge me a fee of XXXX leaving me XXXX cents now I also have a problem with the fact That bank of A like to look at online banking when they speak to you and we use the B of A XXXX. Now you would think that all they see is what we see oh no for some reason its way different that what we see. Im sorry I go by the app this way I facial ID my info not just online banking to many ways things get seen. Yet what I see is I am in negative on XX/XX/22 go deposit I have receipt that shows positive yet they slip a XXXX fee in there for activity on XX/XX/22 yet I see my activity and I am not in negative at anything till way in after noon make deposit yet charged and show today I have read major complaints about this and other fees people are charged and they arent valid I want my monthly back

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 monetary relief
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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 endeavor 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I obtained a car loan thru capital one bank for my XXXX XXXX XXXX. I have been paying my loan off I have paid off almost XXXX XXXX dollars of my car loan already and just recently my less then 5 year old  car would not run at all turns put this car has a bad ctv and there's been multiple class action lawsuits against the maker of the car and they had to pay out the owners of Nissan  for the repairs and such. I told capital one this and I asked capital one to please deduct the costs of my brand new transmission repair from the balance of my car loan as I am struggling financially due to XXXX, job loss, and then my car transmission going out on me they have refused to help me. The money I could have paid towards my car loan had to go to a brand new transmission which cost me almost XXXX XXXX dollars to fix. Now I am struggling as a single mother of two just to get by.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: EQUIFAX, 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:
I Sent all my documents to all 3 credit bureaus. They have not sent me anything proving that these fraud accounts are mine. I requested the step by step procedure on how they verified and they have failed to do so. so by law these account must be removed asap. I contacted the XXXX XXXX XXXX and also the attorneys general for this matter I f i have to i will seek compensation for this illegal situation that 3 of the credit bureaus did. I am going to request that the accounts be reinvestigated and removed asap from all 3 bureaus. per 15 usc 1681 you must listen to the consumer. I am telling you that these accounts are fraud and are a result of identity theft/fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a XXXX EUR ( {$70.00} ) prepaid online reservation at XXXX on XX/XX/2018 for a 7-day car rental with my XXXX credit card from J. P. Morgan Chase Bank. 

Upon return of the car on XX/XX/2018, XXXX issued a Final E-Bill in the amount of XXXX EUR ( {$12.00} ), which I signed, to settle all the pending charges related to this car rental. 

11 days later, on XX/XX/2018, I noticed a XXXX EUR XXXX {$200.00} XXXX charge on my credit card from XXXX. As the Final E-Bill was in the amount of XXXX EUR XXXX {$12.00} ), I was overcharged {$190.00} ( XXXX EUR ). 

I had to dispute this overcharge ( {$190.00} ) several times with J. P. Morgan Chase Bank, but eventually, I received a letter dated XX/XX/2018 from J. P. Morgan Chase Bank ( please refer to the attachment ) advising me that my dispute had been resolved and a permanent credit in the amount of {$190.00} had been issued and would remain in my account. 

However, several days later, I received a misleading letter from J. P. Morgan Chase Bank requesting me for documentation regarding this dispute, which I thought was a mistake / mixed correspondence as this dispute had already been closed. 

I called on XX/XX/2018 at XXXX to J. P. Morgan Chase Bank and explained the situation to the Chase representative ; he advised me to send a fax to Chase attaching the letter I had received dated XX/XX/2018 stating the dispute had been resolved and a permanent credit issued in the amount of {$190.00}. Chase could confirm this call as it must have been recorded. 

I then sent a letter as advised by fax on XX/XX/XXXX at XXXX to the XXXX. Find attached a copy of this fax as well. 

However, on XX/XX/XXXX, I noticed J. P. Morgan Chase Bank had rebilled me {$190.00} so called in and the agent and supervisor was unable to find the letter dated XX/XX/XXXX with a permanent credit for {$190.00} and the faxed documentation on XX/XX/2018. 

I then sent a secure message to Chase on XX/XX/2018, complaining about this and requesting them to honor the {$190.00} previously notified and issued permanent credit. 

I find all of this unacceptable. I received a written notification from J. P. Morgan Chase Bank dated XX/XX/2018 in my mail that my dispute had been resolved and a {$190.00} permanent credit had been issued and would remain in my account. 

Therefore, I request J. P. Morgan Chase to follow through their previous letter / notification, and reapply the {$190.00} permanent credit in my account. 

I find any other response unacceptable. This dispute was resolved and settled per the letter issued by J. P. Morgan Chase Bank on XX/XX/2018. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

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 2023-05-02
Company: EQUIFAX, INC.
State: NM
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 endeavor 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-19
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX and XXXX XXXX from Kinum , Inc. of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX VA XXXX have been harassing me over the past several years about a false debt that I have nothing to do with. The alleged debt has to do with a business contract between XXXX corporations and the amount owed is completely fabricated. In fact, the other party that they claim to represent has admitted to not knowing where any of this is coming from. They have called me, my family, and have sent aggressive letters threatening to sue. People who act in such manner based on erroneous and completely unfounded claims must be stopped.

Company response to consumer: Closed with explanation