BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Some of my private information may have been exposed to a hacker XX/XX/21. My credit is usually frozen but at this time it is thawed until XX/XX/21 for a utility company to run a credit report on me. I have been trying to get the freeze put back on my account asap but am unable to do it through Experian 's website or through their automated phone line. I am also unable to reach a live person to help me. This is very frustrating and potentially detrimental to my credit if the hacker is currently running rampant while my credit is thawed. I had no issue with the other two credit unions ( XXXX and XXXX ), experian on the other hand has been awful to deal with.

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: 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:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account.

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-05
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XXXX I exited my forbearance plan because the Freedom rep who called me told me I can get a modification to lower my monthly payment because I was affected by Covid and I have an ongoing hardship, so the rep put through the Loan Modification paperwork for me and I received the underwriting decision letter stating I was approved for the loan modification but my monthly payment was going to go from XXXX to XXXX now if I am asking for a loan modification it's because I can't afford the monthly payment so why would they make the mortgage payment higher, all over FHA and HUD it states despite the higher interest rates of today they want mortgagees to reduce the P & I by 25 % to get to a targeted lower payment, that was not done for me I feel as if they are not going off of the pandemic cares act options. However I did come across an issue where Freedom Mortgage did not want to even help it's borrowers even though there was the options that FHA put out until complaints were made to the CFPB. This is a national pandemic that affected people nationwide I can't believe they can not find a program that will lower the monthly payment to struggling homeowners, And on top of that every time I call their Customer Service dept I NEVER get the same answer twice they are rude and they tell me that is all they can do for me is the higher payment option every time I speak to customer service I get very upset and stressed and it shouldn't be like this homeowners need help and the government put out those options for help I know there is other options and I am sure they can reduce this payment but they are not going through the options correctly, they have lawsuits against them and this concerns me very much since I am a customer of theirs. I work real hard for my home and it's not my fault that the pandemic came through here ruining everything I should not be punished for that. I sent an email to XXXX XXXX the CEO but he never responded there has got to be a way to lower this mortgage payment I am asking the CFPB for help and I hope this doesn't cause repercussions on me from Freedom Mortgage because I made a complaint with the CFPB.

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 2021-06-17
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Reference : Homedepot credit card serviced by Citi Bank Without warning they lowered my credit limit. They lowered the amount immediately before the 6months interest free terms expired. The added interest and forced fees placed me over my new limit and caused more " over limit '' fees. I attempted to contact Citi bank ; they were unwilling to discuss this poor practice. 

I am sure that others have experienced the same issue. I am now always over my limit due to added fees even when paying their " minimal '' stated payment.

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 2019-04-04
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
All student loans have been paid in full for many years. They were handled by NelNet and were obtained when I applied with XXXX University Online, many years ago. Today, around XXXX XXXX  or so, I received a phone call that left a voicemail saying I need to discuss repayment options on my federal student loans. I tried calling back the caller ID number but received busy signals. I also called the number left on caller ID. However, this number uses a prompt system asking you to identify if you have dept or do not and want to be removed. If you do not choose a prompt, you are disconnected. This truly seems like a vishing attempt to identify who are targets that actually have federal student loan debt. Additional information is below and I attached a copy of the voicemail left by the fraudster. 

Caller ID displayed : XXXX The name used by the caller : XXXX XXXX Call back number left on voicemail : XXXX ADDT NOTES : This complaint is not against NelNet ( the loan services provider ), but I had to choose someone to move forward. This complaint is against whoever is attempting to defraud those who hold or have held federal student loans. Fraudsters could have easily obtained this information from the XXXX  or other data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: NY
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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/ we replaced a furnace in my home, and used Service Finance Company to finance the loan. I was originally told that is would be 18 months no interest no payments. XXXX documents were sent to me and I signed. Fast forward to XXXX XXXX XXXX I called the company that installed my furnace to tell them I have not received any statements or bills from the company. They told me that omce the job is done and they are paid that they dont have anything to do with the finance, and they gave me a number to call for the company that did. My wife called the same day, on XX/XX/XXXX, and told the company we never received a bill and was hoping they could send us something. Because her name was not on the loan, they would not discuss anything with her. We at this point assumed that there must not be a bill because payments were not due yet, and that obviously if something was due they would call back or send something. FAST FORWARD to XX/XX/XXXX. I am in the middle of refinancing my mortgage, and my mortgage broker alerts me to a delinquent account showing on my credit report. Apparently, after not receiving a bill and having NO CONTACT from the company, they put my loan into collections and charged it off. My currrent bills are approximately {$20000.00} a month. I would NEVER let a payment of {$140.00} completely wreck my credit. This makes XXXX sense. My wife and I have 100 percent on time payments for all of our bills. The company said that we had a 3 month no payment, not an 18 month. Regardless- we NEVER receieved a bill or any form of communication from them regarding this. This credit charge off is preventing me now from refinancing my mortgage and consolidating my debt. If I was going to intentionally go late on a bill I would have likely chosen one that would make a differnce, not a {$140.00} payment! No one at Service Finance Company is willing to help. I did speak to one employee who was trying to be helpful and said her manager would call me back and no one ever called. I am at witts end, I need this resolved and I dont know where else to turn.

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 2023-10-14
Company: Maximus Education, LLC dba Aidvantage
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 can't get a hold of the company because they have limited hours and I sit on hold and then get hung up on. 
I scheduled my student loan payment for XXXX XXXX XXXX. I then signed up for auto pay and received an email that my auto pay would start on XXXXXXXX XXXX XXXX and that I need to make sure that I have a payment scheduled for XXXX. I went to the website and saw that I couldn't cancel my original payment, but I thought I was all set because autopaXXXX wasn't starting in XXXX ( according to the email ), but then they went ahead and started the autopay for XX/XX/XXXX! 
So I payed XXXX XXXX AND the auto pay started on XXXX XXXX, so they charged me TWICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Saturday XX/XX/XXXX, I mistakenly sent {$750.00} to a wrong account via XXXX : It turned out that I made a mistake in the phone number, a typo ; instead of XXXX XXXX, I typed XXXX XXXX ; and surprisingly, both account holders have the same name or so it seems. So, I immediately called Wells Fargo and explained the situation. I was told they were going to dispute the transaction and that it would take up to 10 days to get it resolved. Finally, on XX/XX/XXXX I received a letter stating that " no error occurred '' and that the claim was closed ; I was told the same thing on the phone. 

I certainly hope very much you can help me with this! It was rent money.

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 2022-10-17
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 HAVE REPORTED THIS INACCURATE SEVERAL TIMES OVER THE PAST YEAR, TRANSUNI ON ISNT DOING PROPER INVESTIGATION AND ONE OF THE INVESTIGATION TOOK LONGER THAN 30 DAYS. THE ACCOUNT IS LISTED BELOW : U.S. Bankrup tcy Court

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 2023-12-13
Company: EQUIFAX, 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 am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-09-27
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2021-06-17
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I Would like to report this collection company that has damaged my credit for a very long time. I was a patient with ( Original creditor : XXXX XXXX XXXX ) She was my dentist. I am a full-time XXXX at XXXX XXXX and I have excellent dental and health insurance. I presented my dental insurance card to my dentist and I assumed that she would apply all the charges to my insurance and send me the bill if any.The front desk of the dentist office had all my phone numbers and my address I never heard from them. All of a sudden this collection company put this unknown bill on my account and I called my dentist, which is XXXX XXXX XXXX and told her that my insurance company was to pay that and I gave you my insurance card before you started the procedure. This collection company has damaged my credit for too long well I don't owe them any money and they did not send me a letter to let me know what the problem was so I could have resolved this issue before it was put on my credit report.This collection company also updated the balance this month which is incorrect and it is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting 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 just received my new credit report for Equifax and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

Equifax XXXX Hard Inquiry too be Deleted XXXX XX/XX/XXXX Equifax Fraudulent Soft Inquiries too be Deleted EQUIFAX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX UP XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XX/XX/XXXX XX/XX/XXXX EQUIFAX XX/XX/XXXX EQUIFAX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief