BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX XXXX XXXX reported to all three bureaus XXXX XXXX and equfax hard inquiry Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. 

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account Name : 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 2023-10-28
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I agreed on an " Extended Loan '' and I received a letter confirming that my loan is now in " Forbearance ''. Not approved or requested by me. Many phone calls were made, representative seemed to be knowledgeable, but not correct results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, h

as violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Netspend Corporation
State: TX
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On the XXXX of XXXX this year ( XXXX  ) I received my tax refund for the amount of {$14000.00} on my brinks prepaid account, as at the time the deposit arrived I was XXXX  for over XXXX weeks, when I got out and attempted to login to my account I was puzzled to find out that the entire amount on the account has been spent fraudulently. 

I attempted to contact Brinks ( which is a subsidiary or Netspend ) SEVRAL TIMES but they kept taking me back and forth, I attempted the dispute online which they said would take up to XXXX to come to a full conclusion, XXXX has passed and nothing was done nor a refund. 


Right now I can't even log into my account because the online access has been restricted asking me to call.

Company response to consumer: In progress
Consumer complaint received 2023-08-12
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
Nelnet XXXX be violating provisions of the Privacy Act of 1974 in relation to the servicing of my federal student loans held by the Department of Education ( DOE ). 
Any authorizations I have provided to the DOE to access my records and access to my personal consumer information do not automatically extend to third-party contractors like Nelnet. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nelnet can only access my personal records and accounts for specific permitted purposes outlined in the servicing contract with the DOE. Nelnet does not have unlimited rights to collect, use or disseminate my private information how they see fit without my direct written consent. 

However, it appears that Nelnet has obtained extensive personal information about me from the DOE database and has been utilizing this information without my knowledge or consent. This may be in violation of Privacy Act provisions that require government agencies to only share individual records for specified purposes and with limits on reuse of the data.

Additionally, I do not recall Nelnet ever providing me with a direct privacy notice about its information practices related to my private student loan data, which is required under the Privacy Act. Servicing contractors like Nelnet must clearly disclose what borrower information they collect, how it is used and with whom it is shared. Nelnet can not rely on the Privacy notice provided by the Department of Education since they are not a subsidiary or extension of the DOE, but merely a private contractor hired by the DOE.

I am writing to formally notify Nelnet that I do not consent to the collection, use, dissemination or reuse of my personal information in any manner that violates the restrictions and protections provided by the Privacy Act of 1974. I HEREBY REVOKE and RESCIND any and all authority given to NELNET to disclose any account information to a Private Consumer Agencies or Third-parties, like XXXX. 

Please immediately review Nelnet policies and procedures to ensure full compliance with the Privacy Act and provide me with specific details about Nelnet 's handling of my private student loan information and disclosure about opt-out. 

Please respond in writing within 30 days to confirm receipt of this notice and provide assurances that Nelnet will align its practices with the Privacy Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

Sincerely, 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 2018-05-10
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with fraud alerts or security freezes

Complaint:
Ok i was on the Income driven repayment program through Navient that i signed up for last year around mid XX/XX/XXXX. The program is suppose to cover payments for a period of 12 months and you just have to re-apply. I wa approved and required to pay {$0.00} for 12 months. I ended up having to file for bankruptcy to get a fresh start at the end of XX/XX/XXXX. I was still enrolled in the plan and was covered until XX/XX/XXXX. Navient reported me as being 90 days late which hurt my score during this process. They reported this in XX/XX/XXXX which makes no sense because it shows no negative reporting  anywhere else but that month only! They also put my loan into deferment without my consent after reporting me 90 days late. Then only about a month later they took them out of deferment ( again i had no clue all of this was occuring ) and posted i had a bill due XX/XX/XXXX for {$300.00}! I never got an email or call notifying me of  any of these changes! Luckily something told me to check and im glad i did because if i didnt they would said it was a late payment. I called to tell them that this was super unprofessional and the reason people default and tried to get back on my previous plan i was told it takes about 7-10 business days for me to receive the application in the mail ( i tried online and it tells me to call them for some weird reason ) and that when they receive it that takes about 15 business days to process it. Thats crazy because she tried to postpone my payment for only a month until i could apply for the plan which is setting me up to be late! I had to tell her that and make her extend it two months to make sure i could meet the deadline. After the call for some random reason i then received a ton of emails from them with so many different payment dates and different payments im now confused. Why does this company exist!?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX of 2022, I worked with my mortgage provider ( Suntrust now Truist ) to exit forbearance and begin a loan modification plan where my monthly payment would be reduced and the length of the loan would be extended. This modification plan required me to make 3 months of trial payments which I successfully completed on XX/XX/2022. After not hearing back from Truist, I called them on XX/XX/2022 to find the current status and they said that because I did not also make my normal monthly mortgage payment in addition to the trial payments, I now no longer qualify for the loan modification and need to restart the process of getting a loan deferral. Truist has been extremely difficult to work with during this whole process with a lack of communication and clarity on what I needed to do in order to bring my loan back to current. Every time I talk to their customer service team, I'm told different kinds of information regarding what I need to do and every time it requires me to spend hours of my time on the phone. Truist also will not allow me to make payment online and instead forces me to call them each time I want to make a monthly payment. Truist has been deceptive and undermined every step of this whole 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 explanation
Consumer complaint received 2020-07-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Cascade CISS Holdings, LLC
State: NY
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:
XACTUS-XXXX  made an unauthorized credit check into my credit resulting a hard inquiry. The inquiry was made XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Get this off of my credit report immediately! It is clear as day that I have been and still am a victim of identity theft! Someone literally posted my social security number and all of my information online! Of COURSE theyre going to use my TRUE address. That is the only way to get granted credit is by using the correct info available on my credit report, this is also a case of MAIL fraud. As I have had to go on fast people search and been verified to remove my personal info off of the internet and dark web! REMOVE THESE ACCOUNTS 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 2022-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
I opened a XXXX XXXX  credit card and they switched from their original issuer to Capital One issuer. I experienced several problems with Capital One. I have a lot of credit cards and never had this problem before. 

I didn't receive their bill via mail like I originally signed up for when I opened my XXXX XXXX credit card. I paid the first bill late since I didn't receive a bill in mail ( got an email said my payment was late ). They waived first late fee. The second time the payment was a few days late and they refused to waive the {$35.00} late fee and I escalated to a manager. I discovered that I was not being mailed bills - the Capital One representative said that when I logged into my account their system defaults to electronic billing, which I don't use for any of my accounts and didn't sign up for. I don't like that they switched my billing without my permission. It feels like bait and switch so they can avoid mailing costs.

Request : Repair my credit file for Capital One XXXX XXXX credit card late fees. I paid the full purchases prior to canceling the Capital One XXXX XXXX  credit card. I have a great credit history until this problem with them not mailing me a bill. They charge me late fee on top of late fee on top of late fee even though I canceled the card in XXXX and I'm still getting late fees added. It started with {$35.00} late fee and they keep adding on each month I don't pay the late fee. I don't think I should have to pay a late fee since it was their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by XXXX  XXXX XXXX ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
Coinbase the XXXX scam company that has already scammed me once is still scamming me. After they stole my money and refused to close my account and wouldnt let me trade while bitcoin crashed. Bitcoin finally went back out to I sold and am trying to get my money back from this XXXX awful company, and they wont let me transfer my money back to my bank account. So theyre still holding the money they scammed me into giving them originally. They still havent closed my account because it still has funds. But I cant withdrawal the funds. They also have no way to talk to an actual human everyone I communicate with is a chat function with options and no people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.

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 2023-10-28
Company: CrossCountry Mortgage LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the loan closing

Complaint:
Complaint about XXXX XXXX with CROSS COUNTRY MORTGAGE I am XXXX  XXXX  from the XXXX. With housebound status I also incur quite a bit of approved out of pocket medical expenses. 

These medical expenses deductions, which I have documentation for, would have qualified me for the income limits that most of additional down payment assistances required. These are programs that I deserve as a XXXX  XXXX  and permanently and totally XXXX XXXX. 

XXXX XXXX did no XXXX  to assist. The context of my XXXX were completely brushed over and completely neglected. 

I remained polite throughout the loan application process, and repeatedly tried to assert that these deductions are legitimate and consequential to my mortgage options. My attempts with him made no effects, which is why I am writing this complaint. 

I am not sure what motivated him to discriminate my XXXX  conditions and the real impact it has on my life.

Company response to consumer: Closed with explanation