BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I asked for an investigation on derogatory accounts in collections on my TransUnion credit report from a company called XXXX  XXXX XXXX and original creditor name is XXXX XXXX XXXXS. This company continues to say that I owe them money when I do not. I did my own investigation and they have no signature from me, no Identification, nothing all they have is my name they didn't even know my address. TransUnion removes and then this company instantly puts back another bill with another amount and it's been going back and forth for months and I can not get a decent investigation from TransUnion all they say is " this was investigated and is accurate '' yet I asked for the details of the investigation and 60 days has now passed and I received just a letter from them saying my rights and nothing on the details of the investigation. Please help me remove and block this company from harrasing me on my credit report. 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 2023-03-30
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX I sent the following letter to all three major credit bureaus via certified mail. With no proof of items disputed recieved back. I am asking for a deflection due to no response or proof of items letter sent below. 

XX/XX/XXXX Hello, This is a formal complaint because I am extremely upset and confused about the information included below in my credit profile. These items are not reporting 100 % accurately and I don't even have to remind you that credit reporting laws ensure that bureaus report only 100 % accurate credit information. 

Every step must be taken to assure the information reported is completely accurate and correct. The following information needs to be investigated and DELETED if not fully validated. e-Oscar is not verification, might I add. 

I want to be provided proof of this alleged item, specifically the contract/terms with my wet signature. If this is not doable, the item must be deleted from the report as soon as possible. 

Please obtain and provide the following Original Contract Payoff Disclosure Interest Rate Disclosure Balance History Payment History Credit Insurance Please delete this misleading information if the items above can not be supplied. Please supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have 30 days to complete your investigation. 

Thank you and I sincerely look forward to your response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Account Name XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX ( XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Waypoint Resource Group, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Waypoint is affiliated with XXXX and has reported that I owe an illegitimate debt of {$200.00} to all three credit bureaus for unreturned equipment. XXXX and XXXX have conducted an investigation and have both deleted the collection from my report. XXXX was also disputed but did not remove the collection from my account. I filed a second dispute ( both times providing documentation of the returned equipment ). I requested that this company provide proof of the debt but they have not produced any information to date. This is a erroneous claim that was settled well over 2 years ago and should not be suddenly popping up out of thin air and damaging my credit.

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 2023-08-01
Company: SG and Associates
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2023, a female phoned me stating they were with a company name XXXX XXXX XXXX, phone number XXXX, where they confirming that a complaint was filed by me and I should have recieved a notice by mail I stated I do not know of mailing from such name company, at which time female talker insist that i provide personal information to verify my identiy. Thus I told her that this a scam and I am not willing to provide any information, as they have not provided to me what is the nature of this complaint in any details, thus I hung up phone, Later a close relative stated they were given a call asking about my whereabouts in order to obtain information, this person ask how does this involve me, their response was they were a reference, to which my relative response share they have no knowledge of, as well I do not have knowledge of giving information of them as a reference from a unidentified source

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 2021-09-30
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Bank closed all of my credit cards without explanation. I am not sure why they would have done so. I have an XXXX credit score which is now likely going to take a major hit. I was provided with zero information from chase over the phone or the branch representative. I was told it was a " business decision ''. I would like to know why this was done, why there was no warning to discontinue whatever may have been that bothered them, whether this is a lifetime ban from using their services? I am a respectable nice guy, a real estate attorney with a high income. I carry no debt on my accounts. I would appreciate an answer as to why this was done and what if anything can be done to reverse this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2016, I obtained a XXXX personal loan through USAA. 
When I inquired on loan options, I thoroughly explained this was a joint loan and the other individual on the loan does not have a steady job history. The loan sales person listened to the information I provided and quickly responded with their debt protection option. I requested if this option would cover in the he was to lose his job for any reason, in which he responded, it would. Now, 2 years later, he is no longer employed as he has been incarcerated, leaving myself and my children a single income household, with no financial assistance from him or anyone else. 
I am very disgusted that a reputable company such as USAA would support such deceptive sales practices. I am a highly educated and intelligent individual and would never have made such a large financial commitment to USAA if I had been provided the correct information. He had sent me the information to my phone and I quickly signed and returned it. 
This illusion of protection has left me with a large financial burden that could cause me to lose my home. I currently pay about {$200.00} a month in loan repayment and now have no assistance from his income and no back up from the debt protection I was promised would support in this event. 

Upon contacting USAA and speaking with a superior, I received only an apology, a denial to pull the call records as they no longer exist, and an offer to extend one month 's payment ( Which they could not even do ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: National Enterprise Systems, Inc.
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I was pressured to sign up for these loans while on XXXX and a single mother of XXXX children. The school closed while I was enrolled! I was not able to complete my education but 15 years later I am being sent threatening letters from a collection agency. XXXX sold my debt to National Enterprise Systems.

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 2022-12-30
Company: SYNCHRONY FINANCIAL
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 Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, 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

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 2018-08-20
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a XXXX  XXXX XXXX in XX/XX/2018. When it came time to make my first payment ( for a bill that was due on or around XX/XX/XXXX ), I first tried to make an online payment on XX/XX/XXXX and inadvertently entered the wrong bank account information online. This should have been an easy error to correct, but XXXX   failed to notify me ( either by phone, mail or email ) that the payment did not go through. A couple of weeks later, after noticing that the payment had not been deducted from my bank account, and a couple of days before the XXXX  XXXX XXXX bill due date, I attempted to make the payment again on XX/XX/XXXX with the online payment information that has been saved to my account. On XX/XX/XXXX, after noticing that the payment still had not been deducted from my checking account, I called XXXX  XXXX XXXX customer service. Although I had signed up for email alerts and first attempted to make a payment several weeks ago in XXXX, that call was the first time I was informed by XXXX that my payments had been rejected, that online payments for the XXXX XXXX XXXX had been suspended, and that my XXXX XXXX XXXX had been canceled. I paid my bill over the phone with the correct bank account information ( which was deducted from my bank account the next day on XX/XX/2018 ). 

If XXXX had timely informed me when my first online payment was rejected, I could have fixed the bank account information and paid the bill well before the due date. When I complained to XXXX  XXXX XXXX customer service about this lack of notice, I was told that XXXX had no obligation to notify me of returned payments or account closures. In fact, I did not receive a written notice from XXXX  informing me that the online payments did not get processed until XX/XX/XXXX ( with the letter dated XX/XX/XXXX, the same day I called XXXX XXXX XXXX and made a payment via the phone ). That same day, I also received a letter from XXXX  ( dated XX/XX/XXXX - the day before the letter notifying me that my online payments had not been processed ) announcing that they were closing my account because of too many returned payments. 

I used to be a frequent customer at XXXX but after my terrible experience with XXXX XXXX XXXX, I will avoid shopping at XXXX going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have a line of credit with Synchrony Bank, formerly XXXX XXXX. This is for the repayment of a piano that I had financed. In signing up for the loan, I specifically asked the salesman if it was with Synchrony, since I had never before enjoyed working with that credit. The salesman assured me it was with XXXX, apparently unaware they had been acquired by Synchrony. The loan is a XXXX, no interest loan. 

Once the account was set up, I went to my online portal to make my first payment and register for auto-pay on XXXX since payment is due on the XXXX of the month. I received an email on XXXX stating " Your first XXXX payment will come out on XX/XX/XXXX in the amount of XXXX XXXX It will then come out on the XXXX day of the month, every month until the account is paid in full or until you cancel. '' On XX/XX/XXXX, I noticed that the automatic payment had not hit my bank. When I got to my online account, it showed no record of having signed up for auto-pay. Rather than going through the process online again, I called the creditor directly. When I explained my situation and that I had received confirmation that I had enrolled in auto-pay, the representative said that was because that first enrollment in auto-pay was just to make the first payment. To actually enroll in auto-pay, I needed to go through and enroll again immediately after. I told the representative, " You realize how insane that is, '' to which she replied, " I don't make the rules. '' In short, Synchrony Bank led me to believe I had enrolled in auto-payment by 1 ) having me complete the auto-pay information on my online account and 2 ) sending me an email confirming the details of the auto pay. This was clearly a lie, and I as a consumer was misled into almost missing a payment which would have resulted in having to pay all the interest on this installment loan that I have budgeted to pay off on time. This is deceptive, untruthful lending that is predatory upon consumers. 

By the end of the call, the representative had processed my next payment and reportedly enrolled me in auto pay. I received an email confirming that. I will vigilantly watch my bank to ensure the payment comes out on time.

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 2023-10-18
Company: Nelnet, Inc.
State: NE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I applied for a new income driven repayment plan after receiving multiple emails encouraging me to apply. The new plan promised to freeze the accrual of interest while my student loans were in deferment due to a Borrower Defense Application I submitted in XXXX, XXXX. I received an e-mail on XX/XX/XXXX stating that I should expect to hear from my Servicer ( Nelnet ) within XXXX weeks. To date, I have not received any communications from Nelnet regarding the status of my application other than an e-mail from XX/XX/XXXX advising if we havent finished processing you application in 10 days, we will follow up with and email. Every day this application is not approved, the interest on my student loans increases substantially. From the the time I submitted my application over {$2000.00} has accrued on my loan. 

On my online account, Nelnet claims to have received my application on XX/XX/XXXX, despite my earlier submission of XX/XX/XXXX ( accompanied by an email confirmation ). Nelnets promised timelines on their website and in their e-mails do not represent reality. Nelnet benefits by delaying my application approval given that they are receiving the interest accrual. 

Nelnet seriously misrepresents pertinent information to borrowers and gets away with it, costing us thousands. Any attempt to reach them by phone takes hours. Throughout the summer and fall of XXXX, have have attempted to contact them numerous times. Most of my attempts include 1-2 hours on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my EQUIFAX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX XXXX XXXX XXXX do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-13
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:
Experian keeps telling me and my husband the same over and over that is not me disputing accounts on my report. I have sent Experian many disputes and have included MY DRIVER LICENSE and copy of MY SOCIAL SECURITY CARD several times to validate my identity. Yet Experian is saying that It is not me who is disputing these accounts affecting my credit. Do they need a DNA test to proof its me? In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. If the information requested can not be verified, remove this accounts from my report immediately. 1- XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX 2- XXXX XXXX  - Reported XX/XX/XXXX 3- XXXX XXXX XXXX - Reported XX/XX/XXXX 4- XXXX XXXX  XXXX - Reported XX/XX/XXXX 5- XXXX XXXX - Reported XX/XX/XXXX 6- US Dept of Edu - Reported XX/XX/XXXX 7- XXXX Reported 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