BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
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 have sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was a consumer with XXXX. Recently, due to litigation, XXXX transferred my loan to Loan Care. Prior to my experience with XXXX, my payment was {$1900.00} a month. Suddenly, with no explanation, my payment became over {$2200.00} with Loan Care. When I contacted Loan Care, they said that an escrow analysis had been done back in XXXX, saying I was short on my taxes and insurance by over {$2000.00}. This had NEVER happened in my entire time having my mortgage. And, I never received the loan analysis. When i contacted Loan Care, they put in for another " escrow analysis ''. 

This is unconscionable. And also a breach of contract. This increased my payment by over $ 200.00/month suddenly. I have never had that happen in my life. There has been on-going fraud with XXXX and I fear that Loancare is just taking up the baton. Someone needs to investigate this, as it appears to be mortgage 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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, has violeted my rights. 
15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 a section 2 : it also state consumer reporting agency can not furnish account without written instructions.

15 usc 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 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 2019-06-18
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made my first payment to Nelnet in XXXX, XXXX. To get ahead of the curve, I did a large payment of {$3000.00}. Since then, I have been paying roughly {$300.00} every month, which is a little bit more than my monthly payment. 

Due to the first bulk payment, all of my loan group payment due dates were pushed up considerably. I kept paying since this doesn't stop interest from accruing. I always chose the " account payment '' option rather than the " pay by group '' option as I figured Nelnet would distribute the money in the most reasonable manner to pay off the loans across the various loan groups and their respective interest rates. 

My last payment ( XX/XX/XXXX ), I noticed that suddenly my {$300.00} went completely to interest. I found this highly suspect and called the company. According to a representative, a Dept. of Education policy change in XXXX dictated that early payments would always go to the loan group with the highest interest rate if the " account payment '' option was chosen. Therefore, until the pushed up due date from my original bulk payment was finally reached, all of my payments were only going to one loan group ( since roughly XX/XX/XXXX ). 

While this sounds nice on paper, I don't know if this actually would help me, and I may have in fact lost money due to the accruing interest on the other loan groups that Nelnet didn't even distribute ANY money to over this period. While they allegedly were following DOE policy, I was never informed of this policy change by email or on the Nelnet website. I would NOT have continued to choose the " pay by account '' option had I known this is how my money would be distributed. 

I feel as though Nelnet ( or any student loan collection agency ) must be liable for notifying borrowers for any change in payment policies. I don't understand how I was supposed to be aware of a minor policy change that affects such a specific group of people if my lender/collector didn't notify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-07
Company: Radius Global Solutions LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I am Currently, as a federally protected consumer, seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt exists. Thus, absent such proof, you must terminate this collection and correct any erroneous reports of this debt as mine.

I am disputing this erroneous account on my credit report as not authorized directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ) and the INQUIRIES 15 USC 1081b.

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

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 2021-04-01
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:
Equifax, XXXX, and XXXX are all breaking the Law. You can clearly see they have false information and inaccuracies on my credit profile. I have been challenging these items for months and all to no avail. I have never had any account that they are reporting in my dispute letters and never have I ever had an account with Equifax yet they are reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/2015 I facilitated a loan from Santander Consumer USA, I know my credit score was low because I was in XXXX ( XXXX ) and unfortunately I can not make any excuse but I was away. It was not explained to me that the loan would incur interest everyday at an alarming rate. My first 3 payments which were paid on time were applied solely to interest {$720.00} ( solely to interest ). I was at loss, not one day late and nothing applied to principal but then every payment I sent was applied mainly to interest and very little to principal. I called them, my parents called them on my behalf because this was impacting my XXXX and XXXX. I started having a hard time paying my payments because I could not keep up with the payments. Santander did not care. I research and know in other states they have class action law suits for inflated auto loans. My mother just took a personal loan to help me, She feels this is a predatory loan and said this amount of interest does not seem legal, please help me. She is paying the car off but I am leaving her in debt and if I can send a payment history you will see the damage done. please help this seems wrong and unjustified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: LA
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 ; Account # 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 2020-06-07
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: Investigation took more than 30 days

Complaint:
I submitted a dispute to Transunion on XX/XX/2020. I did not receive a response until XX/XX/2020.

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 2023-05-04
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I signed up for an Amex Business Checking account using a mail-in flyer. The flyer CLEARLY said that I had 90 days to make 5 qualifying transactions. As soon as I opened the account, I already loaded the {$5000.00} needed to maintain the minimum balance. Today i had made 5 payments into my Amex BUinsess blue cash card, but the customer service representative said I didn't qualify becuase I needed to make it in 60 days. 

This is absolutely unfair. MY flyer said 90 days. And even then, I'm only 2 weeks past the 60 days. I want my XXXX points. I've held this money without making any withdrawals. 

Why didn't I get any kind of notification about my time running out if this was the case? Ive been a loyal credit card holder for 7 years. 

It seems as though they expect you not to get your signup bonus while they get to hold on to more deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: JPMORGAN CHASE & CO.
State: CA
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 was scammed on a XXXX advertisement. The name of the company is XXXX. XXXX first ask my credit card information in order for me to look at what greater percentage deals I could get discounted for their product the night of XX/XX/XXXX. I was hesitant on buying their product that I wanted to sleep on it overnight before deciding to make a purchase or not. I usually do that anyways, since I am a XXXX veteran on a set income. 
I woke up the next morning, XX/XX/XXXX, doing my routine check of my finances on my online checking account. I discovered I had a pending transaction from XXXX for {$190.00} that morning. I called Chase Bank customer service at XXXXXXXX XXXX. and told my story to the gentleman about the XXXX unauthorized order. He said dont worry. Chase would refund my money. I asked him if they shipped the product to me. He then said " throw it away ''. 
The refund happen on XX/XX/XXXX. 
On XX/XX/XXXX, I went into Chase Bank in XXXX, CA. I spoke to XXXX XXXX at the bank who helped my in person about a letter that Chase Bank was going to take out XXXX out of my bank account. I explained to her that it was a scam. She and I then spoke to their fraud department. I was then going to give evidence to XXXX and then she would fax the information to Chase Bank Fraud department. I sent the information with a thank you to XXXX. She confirmed that she faxed the information to their fraud department. 
On XX/XX/XXXX, I spoke to Chase customer service and they said that they could not refund me my money. I said that the product was sent back to XXXX even after one of their Chase Bank collegue suggested I throw away the product. I even said that I reported it was fraud because I did not order anything onXXXX. I was looking at the product on XX/XX/XXXX. Besides, I go to bed early, because I have chickens. 
I have the e-mails from XXXX, from XXXX XXXX, from Chase bank, and a picture of my cell phone log.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/ I have sent a letter to Kia XXXX XXXX to provide proof regarding the late payment. the Congress pursuant 15 U.S. Code 1666b - Timing of payments, states that the creditor may not treat the payment late unless the creditor sent the consumer all the information required under 15 U.S. Code 1637 ( b ) - Open end consumer credit plans 21 days before due date. I have requested from Kia XXXX XXXX a proof that all the required information by law was sent 21 days prior to due date or remove the late payment as per FCRA if the information is incorrect or unverifiable then it can not be reported to the Consumer Reporting Agencies as well as pursuant 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction the consumer report does not include the transactions and experiences between " Consumer '' and " Person ''. Kia XXXX XXXX violated several FCRA laws by not obeying them and replied with some " Erroneous '' responses which I will be attaching to this complaint. On XX/XX/ Kia XXXX XXXX responded with letter that the information is accurate but it is defiantly was not proof required by law. I have sent them my second letter on XX/XX/ giving them a final opportunity to resolve the matter but they ignored it and again failed to provide information set by Congress.

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 2021-04-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified and inaccurate accounts :XX/XX/XXXX -- XXXX premier -- XXXX. 
XX/XX/XXXX -- XXXXXX/XX/XXXX -- XXXX bank -- XXXX/ Today card -- XXXX XXX. In these two months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you

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 2021-04-01
Company: Access Receivables of NC Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
they started contacting me last week about a debt some company owes XXXX. I advised them that i was not that company and tat they should stop calling and e mailing me immediately. yet they continue to call a number that is on the do not call list and continue to e mail me after i have repeatedly advised them via e mail and when they call me that i am not the person they are looking for they told me quote we will haunt you till this is paid and we don't care what you say or do we will not stop calling you .... They have also been threatening my credit score and my access to credit. since i have near perfect credit this is most distressing. I am over XXXX and XXXX and worked very hard to ensure i have great credit. to have a company like Access Receivables Management threaten to destroy me and my credit is very distressing. the account number they are calling and e mailing about is XXXX Access Receivables Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions 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 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There was improper use of credit reporting, I have recently notice several fraudulent inquiries on my report one happening on XX/XX/2023 XXXX XXXX  and one on XX/XX/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 2023-08-25
Company: Chime Financial Inc
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had an incredibly frustrating experience with this bank 's dispute resolution process. It's baffling how they consistently decline every legitimate dispute I've placed, even when the claims are well-founded. What's even more suspicious is that the claims department seems to have a pattern of only approving claims of lower amounts, which raises serious concerns about fairness and ethics. To make matters worse, it appears that they don't bother investigating or reaching out to the merchant in some cases, which leaves me questioning the integrity of their entire claims process. It's disappointing to see a bank prioritize its own interests over providing genuine assistance to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's XXXX, XXXX, and Experian stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of XXXX all under XXXX. As hard as it is already being a single XXXX XXXX XXXX XXXX in America these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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