BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: EQUIFAX, 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:
fcra : not mine XXXX XXXX XXXXXXXX Original creditor : XXXX {$2800.00} Balance updated XX/XX/XXXX Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2800.00} {$2800.00} Payment Info Original balance {$2800.00} Balance {$2800.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX  Original creditor : XXXX XXXX  {$710.00} Balance updated XX/XX/XXXX XXXX XXXX {$18000.00} Closed 77 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount {$18000.00} {$47000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: MI
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 have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


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 non-monetary relief
Consumer complaint received 2019-04-08
Company: Nelnet, Inc.
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:
To Whom It May Concern : I began making payments on my student loan in XXXX and have not missed or been late on a single payment. I set up autopay in XXXX and have continued using autopay up until today - same bank, same account. 

For no reason that I can discern, my XX/XX/XXXX autopay failed to debit from my bank account. This has never happened before. This was not due to insufficient funds or to any action taken on my part. 

I received an email notifying me of my " missed '' payment, and promptly logged into my account. As a result of this " missed '' payment, I noticed ( but was never notified ) that I lost the 1 % on-time customer interest rate reduction that I had earned for making my first 48 loan payments on time. 

I just called Nelnet to get them to fix this. After spending 47:03 on the phone, as well as paying the " missed '' XX/XX/XXXX payment, they said they can't do anything about this issue, and will " look into it. '' I was told " someone will probably call you back in 3-5 days. '' I smell a rat. The mistake was made on their end, and serves their purposes. 

Is Nelnet purposefully " missing '' a payment from on-time customers so that it can quietly take away their 1 % interest rate reduction, and then attempt to drown them in a sea of bureaucracy when ( if ) they notice and complain? 

Class action lawsuit? 

Expecting resolution of this matter, along with apology, as well as restitution, immediately. 

Sincerely, [ redacted for purposes of publication ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Dave Operating, LLC
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank has scammed me out of over {$20.00}, I have visual evidence of this claim with dates to support my claim, also verified by the evidence. I have been overcharged XXXX times in a row by my bank, I have tried to resolve the issue with the Third Party app and was insured that the fraudulent activity was not to be blamed on them, my bank even tried to cover it's tracks by voiding the transactions after reimbursing me less than 40 % of the money I was scammed for back in my account ( even after evident images were emailed to them ), then taking more than 50 % of the reimbursement back after I tried getting my full refund. That is suspicious activity, I emailed them to solve the problem and they only made it worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My situation begin when I tried to refinance my car and was told that the company could not view my Equifax credit score. 

After trying to view my credit report on my.equifax.com, an error message came on my computer screen. I called Equifax to see what I needed to do to access my report. They told me to fax or mail a cover letter, a copy of my driver 's license and my social security card. I faxed the information on XXXX XXXX, 2022. I called in approximately a week later to see if the had received the information because I needed to make changes to my report in order to access it online. The representative then asked me for some additional personal information which he accepted and made the updates need in order for me to logon to my account at my.equifax.com. When I finally gained access, I received the following error : Please give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX XXXX XXXX XXXX ( ET ), Monday through Friday, and XXXX XXXX to XXXX XXXX ( ET ) Saturday and Sunday. 

I then called the number and was told that I had to submit the same information that I had already faxed because they did not receive it. I could not understand how they could make the changes to my address and phone number that I had requested in order to gain access to the online account without the supporting documents. I mailed the information to them on XXXX XXXX, 2022. I call to check each day to see if they received the fax or mail, but it has yet to be processed. I also have faxed it again today, XXXX XXXX, 2022. 

I received a hard copy of the report along with my credit score in the mail. I am in the process of trying to purchase a house, and I was told that this issue would not have any bearing on a company who is trying to view my score. I have found that this is not correct. No one can view my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Dispute of Inaccurate Account Reporting by XXXX  XXXX Dear Experian Dispute Team, I am writing to dispute the accuracy of my credit report as provided by Experian, specifically regarding the reporting of an account by XXXX  XXXX. This account contains multiple inconsistencies, including varying opening dates, which are negatively impacting my creditworthiness. Account Information : Creditor Name : XXXX  XXXX Account Number : XXXX Opening Date as per XXXX : XX/XX/2021 Opening Date as per Experian : XX/XX/2021 Opening Date as per XXXX XXXX XX/XX/2021 I am concerned about the accuracy and fairness of this reported information and the impact it has on my creditworthiness. The Congress has found that consumer reporting agencies, like Experian, play a critical role in evaluating the creditworthiness, credit standing, credit capacity, character, and general reputation of consumers. There is a clear need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy, as mandated by the Fair Credit Reporting Act ( FCRA ).

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 2021-01-05
Company: Chime Financial Inc
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On Monday XX/XX/2021, while at work I began receiving text messages from Chime Bank indicating security codes, which I did not request. Someone transferred all of my funds from my credit building and savings accounts to my spending account and then sent it internally to pay to friends. The transaction was sent to a XXXX XXXX I have never nor did not authorize this transaction. This low life left XXXX cents in my account and this is not the first time. My debit card has been compromised with this bank and replaced twice. They need to better safeguard the accounts of their members and the FDIC really needs to further investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, 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:
I have contacted Equifax via phone and mail and advised that there is fraudulent activity on my account. I have been asked to send documents supporting my identity which I have done several times and I havent gotten any response via mail from Equifax in regards to this issue. I have sent a letter regarding an address that doesnt belong to me, inquires I have no knowledge of along with collection accounts that have never been associated with me. Equifax has yet to respond to me via mail regarding a resolution. I was asked by phone to mail documents which I have done numerous times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MN
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 creditor " Credit Acceptance Corporation '' violated : 15 USC 1681 section 602 Right to privacy 15 USC 1681 section 604a section 2 A credit reporting agency can not furnish an account without my knowing.

15 USC 1666 B A creditor may not treat a payment as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputes negative informatiom with the credit reporters about and ols account with XXXX bank thatwas paid off and should have been deleted from my account. The creditor had assured me plenty of times that they are not reporting this account to the credit reporters anymore and they are the ones to fix this on their system. The account was paid off and closed but it still showing as a delinquent account when it should be already deleted from my report. I have contacted experian and the other credit report companies, and disputed this information, but it still showing on my account affecting everything that I can potentially do with 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: WI
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:
Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: AMERICAN EXPRESS COMPANY
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
American Express somehow mixed up myself and someone with nearly the same name, and gave me private information about that person over the phone. They also changed this persons contact information to match my own, sending me emails and such that continue to violate their privacy and expose their payment history, etc. I notified American Express several times, asking them to please correct it, and was told to contact their Fraud Department to look into it. Its not fraud ; its the companys own mistakes. Whenever I contacted their Fraud Department, they seemed to not be concerned and asked me to call further departments to correct this error, which lead nowhere. American Express is opening itself up to a lawsuit for breach of privacy and do not seem to care they are exposing private information or want to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX a payment was made to Discover Card for my credit card using my XXXX XXXX XXXX  Checking Account. This payment came back returned on XX/XX/XXXX and had not left my checking account. I called discover that day and was informed that the payment was returned and the reason was unknown and I should contact the bank. 

I then reached out to my bank who informed me that no payment attempt had been made and there was no record of it and to contact the merchant discover card for more information. 

I reached back out to discover card on the same day and continued to try get answers but could not get an answer other then to reach out to my bank again. 

By this point discover had already reported to my credit report that my payment was late damaging my score and causing a late payment mark and higher balance on my credit report. 

After lots of back and forth on the same day I made the payment again this time using a different checking account and asked discover to remove the negative information from my credit report as this was an issue between discover and the banks and not my fault as I had made my payment on time in the XXXX. They said that no one was able to do that and there was nothing I could do to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-04-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The unverified account indicated below continues reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXXXXXX Balance : {$750.00}

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 non-monetary relief
Consumer complaint received 2023-09-22
Company: EdFinancial Services
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have tried for weeks to contact EdFinancial regarding my student loan payments and received no answer via several mediums. The monthly payment requested exceeds my finances and I need to talk with someone about lowering those payments. I have tried emailing and placing myself in their phone queue and received no answer. Additionally, their online chat system appears to be broken.

Company response to consumer: Untimely response
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and transunion fail for provide factual documents about these accounts : XXXX XXXX and 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 2022-02-12
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:
This is Something I have No Idea of I dont know why its on my report I want proof of who they are they can be some type of random bill that can be fraud I never received anything from the company or who they are.

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 2021-01-05
Company: Experian Information Solutions Inc.
State: NC
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: EdFinancial Services
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am unable to make my loan payment on Edfinancials website. When I enter my information, it says my loan is still in the process of transfer. This has been its status for months. I have called twice a week for the last 3 months, and each time the wait exceeds 4+ hours. The automated system ensured me I will receive a call from a representative once one becomes available, but I have yet to receive a call. Their online chat system does not work, and I have no way of paying my upcoming loan.

Company response to consumer: Untimely response