BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/31 I called to get XXXX  of my loans put on the income repayment plan in which they offered me XXXX. Upon speaking with the representative, I needed my cosigner to call in to enter the payment information as it is touch base and will not pick up her information if we're on a XXXX call. The representative did not state that the offices were closing a XXXX XXXX. We discovered once my cosigner called back that the whole Sallie Mae department was CLOSED. I decided to take it upon myself to try to make a rollback payment however there was a disconnect somewhere and I shorted one of the loan amounts causing the loan to charge off. The representative failed to tell me they close at XXXX the recording said the customer service close at XXXX. Even if I was making a rollback payment I would have preferred through an agent for this VERY REASON, that's why I always make contact before any payment. I had neither the option to pay the XXXX for the income plan due to the payment plan department being closed at XXXX XXXX. and I didn't have the option to talk to the contact center due to their phone lines being off and despite the recording stating XXXX XXXX est

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/2022 I disputed two XXXX XXXX accounts and one XXXX account for date of last activity. As shown they are re aging my account. Which is a violation of the FCRA Act and impossible as all 3 are completely different. TransUnion verified all 3 accounts as correct, which tells me they are not investigating as they say they are. I have made multiple attempts to have a 100 % accurate credit report, which they are not giving me my right as the FCRA ACT states I as a consumer should have.

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 2021-04-05
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have made a previous CFPB complaint about two accounts that are reporting with erroneous information and the issues have not been resolved. The information is still reporting on my credit report inaccurately and it has been causing me issues with obtaining credit. 

There are still inaccurate account information for two account on my credit report which are XXXX XXXX and XXXX credit card. 

On XX/XX/XXXX and XX/XX/XXXX I wrote Equifax, XXXX  and XXXX  to notify them that the XXXX account was reporting inaccurate late payments. They each are also reporting different months for the same late payment. I also contacted XXXX directly on XX/XX/XXXX and they didn't respond to my verification request. After I contacted them the three bureaus continued to report 3 different late payments dates on this account. They also are reporting the incorrect date of last activity on this account. All three bureaus have a different date of last activity. 


On XX/XX/XXXX and XX/XX/XXXX I also wrote Equifax, XXXX and XXXX  to notify them of the inaccuracies on the XXXX  account was well. The date of last activity is also reporting inaccurate. I wrote XXXX  on XX/XX/XXXX to verify the date on the account and I didnt receive a response. All three bureaus have a different date of last activity. 

If the XXXX, XXXX  and Equifax are getting the same information from the same creditor, then the information should be the same across all three bureaus According to the FCRA, I have a write as a consumer to ensure that all of the information that is reporting on my credit report is 100 % accurate. These inaccuracies are violating my rights. 

Nothing was rectified on my credit report by XXXX, Equifax, XXXX, XXXX XXXX or XXXX credit card. 

I have also attached a copy of each of these accounts as they are reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: OneMain Finance Corporation
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XXXX, I opened up a OneMain Financial XXXX credit card. 

On XXXX {$89.00} was withdrawn from my bank account via wire transfer from XXXX XXXX. Automatically, I thought of " BrightWay  '', whom I have my credit card with. I called them, and they declined " knowing anything about this transaction '', but admitted that they are partnered with them. I never gave my account bank to XXXX XXXX ; I only gave it to BrightWay. I contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ), and when I asked about how they got my account details to steal this {$89.00} from me ( that BrightWay  likely gave it to them without my permission ), they simply responded with : " Thank you for contacting Bright. Please be informed that we see your account information is already deleted from our database. ". I have attached a screenshot for reference of our email correspondence. Everything seems very shady with vague replies. 

I owe BrightWay  {$540.00}, but they claimed on my credit report that I owe them {$640.00} because their unfair " interest charges '' and " late fees '', because I'm unable to make any minimum payments due to me having to report the fraudulent charge of {$89.00} and freeze my bank account. I had to open a new bank account elsewhere and switch my financial information with all of my bills, and it was a very frustrating process. I called BrightWay  to make a payment by debit card, because I explained I am afraid to ever give them anymore bank account or routing numbers because they shared it with XXXX XXXX ( their secret partner ). Because they refuse to give me any other option to pay other than account/routing number, they keep accruing me unlawful " interest rates '', " late payment fees '', and also hit my credit score TWICE with delinquencies on XXXXXXXX  XXXX XXXX 

I am stuck without any way to resolve this issue. Please, I ask that BrightWay  's already-charged annual fee of {$60.00} be waived along with their unlawful interest fees and late payment fees ( I could not make any payments because they shared my account bank information with their thief partner ), so that the total I owe BrightWay  is {$480.00}, and I would like to make monthly payments to them through a 3rd party, so that they would not steal my information anymore. I do not trust them at all, and whenever I called them, I was always speaking to the same person, so it leads me to believe that this is a very small company ( if not operated by one person/scammer ). 

Thank you for your help, and I hope we can also remove the unlawful delinquencies on my credit score because of their scamming and fraudulent practices. If there is a way I can be waived everything I owe them because of my exhausting stress, that would be even better. I look forward to hearing from you at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Problem with personal statement of dispute

Complaint:
No contract Section 604 ( a ) ( 2 ) allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.

Late payment reported Negatively impacted Issue not resolved after multi attempts Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 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.

Gap a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.

( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.

( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.

( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. 



Please review

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 2022-04-06
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help

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 2022-04-06
Company: Experian Information Solutions Inc.
State: AZ
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:
Choose according to account type.These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-04-05
Company: WELLS FARGO & COMPANY
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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX XXXX XXXX. XXXX, 2020 XXXX XXXX XXXX XXXX. XXXX, 2020 WELLS FARGO DEALER XXXX XXXX. XXXX, 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 2023-09-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. 

I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. 

The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. 

I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. 

Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. 

I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2020-11-11
Company: BBVA FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/XXXX, I requested a credit balance of {$770000.00} be sent to me. At his recomendation, the customer service rep stated that he could transfer the funds to my XXXX account on file. This account was used to send monthly payments to BBVA. I never received the funds at XXXX and had to contact them again. I was advised that the rep never should have attempted to send the funds to XXXX because it was an " external ' account. BBVA could only send credit balances to an internal account which I did not have. OK, the only other option was to mail the check to me via regular mail. I was told it was mailed on XX/XX/XXXX and still have not received it. I called at least 3-5 times and was always told the issue was " escalated '' ; no supervisor spoke to or called me as promised last evening. BBVA can not or refused provide me with any tracking mechanism to determine where this check is. I am constanly being told to wait. No cut off date is given to me whereby they could stop payment if check is lost, issue a new one, and use some sort of courier service ( XXXX, etc. ) to ensure I receive it. 
I WOULD APPRECIATE RECEIVING MY MONEY! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: SC
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Demanding All Inquires Be Removed

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 non-monetary relief
Consumer complaint received 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
IM SUBMITTING A COMPLAINT BECAUSE I HAVE ACCOUNT XXXX XXXX XXXX IS SHOWING UP ON MY CONSUMER CREDIT REPORT AS A CHARGE-OFF ACCOUNT CLOSED AND PASS DUE 30/60/90 DAYS XX/XX/XXXX. IT IS ILLEGAL TO FURNISH INCOME ON A CONSUMER REPORT. A CHARGE-OFF, ACCORDING TO THE IRS, IS INCOME AND YOU MUST FILE A 1099-C. AS IT STANDS I HAVE NOT RECEIVED A COPY OF THIS FORM. 
MY RIGHT AS A CONSUMER ARE PROTECTED UNDER TITLE 15 CHAPTER 41. 
15 USC1601 HIGHLIGHTS THE CONSUMER 'S INFORMED USE OF CREDIT.

AT THIS TIME THIS ALLEDGED CONSUMER CREDIT TRANSACTION WAS ENTERED I WAS UNINFORMED AND I DID NOT UNDERSTAND AS THE INFORMATION WAS NOT CLEAR AND CONSPICIOUS. CHAPTER 41 TITLE 15 THE AGREEMENT IS NULL AND VOID DUE TO THE COMPANY LACK OF DISCLOSURE.

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