BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
In 2010, I went to college. I was able to get a loan with XXXX XXXX student loan with a co-signer. However, they lied about the student loan. They also hid high interest rates/ fees and the amount of money I have to pay back. I was XXXX! years old, lived in a inner city community and all I wanted to do was go to college. I took a XXXX loan and now I owe XXXX? I have been paying this loan for over 11 years ; I paid my loan through the pandemic and I still owe a lot. I tired so many times to refinance/ co-signer release ; but i was denied. I am trap in this loan ; XXXX XXXX purposely targeted me ; because I was unaware of all the fees. Also, they stated I will receive XXXX percent off if I graduate ( XXXX ). I still havent seen it. I currently have XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had money taken out of my account unauthorized. I called my bank and told them to file a dispute, they did the dispute and said there was no errors. I opened another dispute with them. The date of the transactions was XX/XX/2023 for the total amount of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A collection account in the amount of {$440.00} was removed from my credit report from XXXX after being found to be fraudulent. A different collection company has purchased the fraudulent account and added to my credit report again. This is not following the FCRA regulations by doing this.

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 2022-06-12
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 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/2023 I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section..

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 2021-08-26
Company: Exeter Finance Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Exeter Finance LLC is in violation of numerous consumer rights including 15 USC 1681a ( 2 ) ( B ). All corresponding documents are attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE RECENTLY REVIEWED MY CREDIT REPORT AND DISCOVERED DEROGATORY ACCOUNTS WHICH ARE NOT LIABLE TO MY NAME. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS HAVE BEEN INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE THIS MATTER AND HAVE THOSE ACCOUNTS OFF 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 explanation
Consumer complaint received 2022-06-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XXXX of XXXX I made Rushmore XXXX, my loan servicer, aware that I wanted to end my forbearance from XXXX and begin making payments again. I filled out an application to start the remodification process. I was asked to send documents to verify income. I sent all documents asked for. Since XXXX of 2021 I have now filled out the application 3 times and sent new updated documents countless times. Rushmore NEVER would call me. I had to write a letter asking them to call me for updates. To date, I STILL HAVE NOT RECEIVED A CALL FROM RUSHMORE XXXX on any updates even after requesting them to call me IN WRITING. I was asked COUNTLESS times by Rushmore to send documents that I already sent them. I would call them periodically and they would tell me they still need a document before it could go to the loan officer. I would tell them I already sent it and they would look and see that I did. Due to a 30 day time limit they put on the application, they could then ask for new updated application with new documents to start the process all over again. I would comply in sending them within hours of the conversation. The last time I spoke with Rushmore, they PROMISED me that this time the documents they requested would make my packet complete so they could send it to the loan officer. They have told me this XXXX times! I always would send them the requested documents within hours of the conversation. Today I received a foreclosure notice saying I had 21 days to reply or lose my home. The tactics of asking for the same documents over and over, which causes time to lapse so they can ask for them again and again and then start a new application process has caused the foreclosure to start. The worst part is I have shown Rushmore that I can more than afford the monthly payment yet they keep stalling by asking for documents I have already sent them! I believe this to be predatory business practices! I remodified a different house loan only XXXX XXXX XXXX and the company XXXX XXXX, completed and approved me within 30 days! I even sent Rushmore the copy of my remodified loan!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: PA
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:
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. 

XXXX XXXX : XXXX : {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Waypoint Resource Group, LLC
State: TX
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: Problem with personal statement of dispute

Complaint:
First and foremost you can not prove this alleged debt is mine. I asked you for my proof of a signature showing me I signed off or agreed to paid this alleged debt. I also, asked for a purchase agreement from your company showing me proof that this alleged debt is mine. You has failed to provide me with complete evidene on you process and company procedure. I never had an account with XXXX this account is not mine. Please delete this inaccurate information from my credit report since you have not proven this debt below to me. I am also, asking you for 1 ) Purchase agreement with my signature. 2 ) MASTER BILL OF SELL. 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. 4 ) No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such.

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 2023-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
On XX/XX/XXXX I received a letter from Bank of America stating that I was denied for a credit card. I have never nor would ever apply for any Bank of America Products. The inquiry hit my XXXX report which I have disputed as fraud and I have placed a fraud alert and froze my accounts with all there credit bureaus. I believe someone has used my information illegally as my personal information has been compromised by hacks to companies. The latest being XXXX  where every single personal detail was stolen online, SSN, email, passwords, addresses. I have disputed this inquiry and am making this fraud and identity theft report to help ensure the safety of my financial and physical existence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX THE ACT OF ( TITLE VI OF THE CONSUMER PROTECTION ACT ) PROTECTS INFORMATION COLLECTED BY CONSUMER REPORTING AGENCIES. INFORMATION IN A CONSUMER REPORT CAN NOT BE PROVIDED TO ANYONE WHO DOES NOT HAVE A PURPOSE SPECIFIED IN THE ACT.

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 2023-04-30
Company: Colony Brands, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I do not recall having an account with this creditor. I have tried to get in contact with the creditor with no success. There is a debt on my account which I have not opened. I would like this removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: TX
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 unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 explanation
Consumer complaint received 2023-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
An international wire transfer was posted on my account, having an exchange rate of XXXX as opposed to exchange rate of XXXX. I was incurred of the wire fee of {$25.00} but with the exchange rate I was over charged 10 %.

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 2023-05-05
Company: Experian Information Solutions 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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint is in regard to my private student loans with Navient. A couple of years ago I tried to work with Navient on a payment plan. What they were asking at the time was not affordable to the point I wouldn't even be able to pay my rent. I contacted them to see if they had any programs or could assist me with coming up with a payment that I could afford. The representative said he would need to discuss it with his team, but if I could make a " good faith payment '' then it would buy me some time and will show the company that I am serious about working something out. I made the payment and tried to contact the representative several times to inquire about the status without success. All of a sudden, I receive a letter from XXXX XXXX XXXX, stating that my loans have been turned over to them from Navient and to reach out to them to work out a plan. I was devastated because that's what I was trying to avoid. I soon learn that Navient charged off the accounts and reported my accounts as derogatory, which is still the same status they are reporting today, which is incorrect. I wasn't sure what to do or my options, and felt like I had been tricked, so I just went ahead and worked out a plan with XXXX XXXX XXXX and have been paying them faithfully for over a year now and they send the money to Navient, which Navient has confirmed. Navient also refuses to update the status of my credit report as well as they are reporting a past due balance. I have been making payments for over a year, but they stated that they dont update statuses when they are derogatory. However, how is it derogatory if I have been making payments? There should not be a past-due balance as well. Their negligence in not providing me with options for a payment plan, falsely making an agreement and conning me into making a payment in hopes of working something out, and not accurately reporting to the bureaus has negatively affected me and my family tremendously. I am not able to buy a home due to their negligence and I am hoping to come to some sort of resolution via an investigation and at least have my credit report information reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NM
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Besides it was a used vehicle, after 4 months it started having problems .but i waited until i could n't drive it no more and then i stopped making payments. so right now credit acceptance have a lawsuit against me regarding that loan on the used car and i can't pay that no more. plus the dealer said that if the car break down and i take it to them they don't promise anything. So my hopes were really down to the ground. What kind of car dealership tells that to a customer?? 
So, they took the car away and however credit acceptance still want me to pay for it. 
That's why this company have so many complaints and that's why they have been sued They sent me a notice regarding this case where i should appear in court and i got it on XX/XX/2023

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 2021-08-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ
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:
Good Evening, I was on Covid forbearance with a previous lender when my loan was sold. 

Original loan was with Rushmore Loan Services New loan is with XXXX XXXX XXXX As I was running my credit report I saw negative remarks from original servicer of the loan which was Rushmore Loan Services. 

From what I understand there should not be any negative remarks when a servicer sells a loan to another company and there is a 60 day grace period from a sale of the loan. This did not occur for me and now there is a negative remark on my credit report. As followed I sent information to my original servicer and they could not tell if they received my information via fax and was given a run around. I am fighting to keep my home but I had to sell due to some hard times that everyone is facing not just me and making sure my credit is intact for my family. I just want this negative remark to go away but do not know what to do next. 

Please help Thank You and God Bless

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard and soft inquires on my credit report i don't approve or validate. 

fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX  Reported collection that doesnt belong to me. I was a victim of IDENTITY THEFT. Account was open in XX/XX/2019. I reported to the company they still have not removed it. 


XXXX XXXX XXXX card Account doesnt belong to me contacted asked them to remove still not removed

Company response to consumer: Closed with explanation