BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-12
Company: Bread Financial Holdings, 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:
The letter that was attached in the last complaint... does not have an proper address and that's why I haven't received any notice from this company and whatever they said they are sending because the address they enclosed is wrong .... that's not my address.. the company XXXX 's closed down years ago i never opened an account with them.. I have my police report FTC report..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I was awarded {$7500.00} from XXXX, the Pennsylvania XXXX XXXX XXXX XXXXXXXX under a program called the XXXX XXXXXXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX It was meant to help pay for student loan balances for XXXX  who worked for nonprofit organizations during the XXXX XXXX. XXXX sent the funds to my student loan servicer, Nelnet, in XX/XX/XXXX via electronic funds transfer. Nelnet has not credited my account with the funds despite me calling them many times. I have been told many stories. First they told me that there was no account number attatched to the funds and that they would have to wait 30 days to make sure noone else claimed it. The 30 days passed and when I called multiple times to see why they still haven't credited me, they said on multiple calls that they are just behind and that's just how long its going to take. I called XXXX last week on XX/XX/XXXX, to see if I could get additional information or if they could intervene. They said that Nelnet sent the money back to them and that they can only send it back to Nelnet if Nelnet requests it. I called Nelnet and asked them why they sent the money intended to be applied to my loan back to XXXX, especially when they knew that I had been calling about it. They did not have any answers. They put me through to XXXX in resolutions who said that he would file an investigation. I keep calling and they still have no answers and the money has not been applied to my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XX/XX/2023 financed a XXXX XXXX XXXX with Credit Acceptance Corporation ( CAC ). The XXXX XXXX XXXX was purchased from Impressive auto sales in XXXX, PA. 

Spoke to salesman XXXX on XXXX asked price of car and was advised it cost {$8900.00}. 

XXXX asked me if I liked the car and to submit loan application on impressive auto sales website. 

Later in the day XXXX informed me that I am approved for the loan. 

XXXX asked me how much down payment I am able to put down. 

Advised XXXX I can put {$1500.00} down payment and would be in the next day to test drive car. 

On XX/XX/2023 test drove XXXX XXXX and agreed to move forward. 

I asked XXXX again how much the car cost and he said it cost {$10000.00} because I am financing the car. 

I informed XXXX that the car is advertised for {$8900.00} and when I spoke to him on the phone and informed him I would be financing car, the price did not change. 

XXXX then said my monthly payments are {$280.00} for 66 months. 

I asked XXXX what the out the door price is and he would not tell me. 

I informed XXXX my XXXX score is XXXX and I dont know how he got to the monthly payment amount. 

XXXX refused to show me any documentation only to mention that in order to do the deal I have to get a warranty that is included in the loan for {$1600.00}. 

I needed a car to get back and forth because there is no public transportation to take me to work and back home. 

I really feel taken advantage off and ripped off. 

I paid the {$1500.00} down payment with the warranty included, which I did not want. 

The total amount financed is XXXX and monthly payment of {$280.00}. 

I called CAC on XXXX and canceled the auto warranty issued by XXXX XXXX. 

CAC deducted {$1600.00} of my loan and left an unpaid balance of {$10000.00} with monthly payment of {$280.00}. 

If is not fair the I still have the same monthly payment of {$280.00} when CAC deducted {$1600.00} when I cancel the contract. 


Moreover, I deserve a lower finance rate because my XXXX score was XXXX. 

Its amazing that CAC never provided my XXXX score to me before loan was issued. 

With loan balance of {$10000.00} on XXXX my monthly payment would be {$240.00} for 66 months with interest rate of 18.99 %. 

How it is now pay on balance of XXXX on XXXX, my monthly payments are still {$280.00} for 66 months with interest rate of 25.68 % which is illegal in Pennsylvania.

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 2023-05-02
Company: EQUIFAX, INC.
State: MD
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:
These inquiries are fraudulent and not associated with me. I have no knowledge of them. Please take immediate action to address and remove them from my credit report. Supporting documents have been attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported and most accounts was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an XXXX report. if EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX Commission file number XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX i will be filing form 211 treasury omb forms to audit consumers account. 
EQIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

XXXX XXXX account XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX All hard and soft inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was currently XXXX overseas as a XXXX XXXX XXXX XXXX XXXX XXXX. My house loan had recently been transferred from XXXX XXXX to Flagstar Bank. I later found out there was only paper mail to my house for notification. I had been off the grid with little to no connection back home. Therefore, I did not receive any notice of the financial movement and missed consecutive payments on my mortgage ( I had auto-pay with XXXX XXXX  ). I paid in full for all the months missed as soon as I identified the problem. I contacted all credit bureaus, XXXX XXXX, and Flagstar Bank to remove the late payments on my credit report and to remove my late charge fees on my account. I had an above average credit score ( 800s ) up to this point and have always been a reliable client to any bank I have worked 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 2023-05-02
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: Public record information inaccurate

Complaint:
XXXX XXXX Collections should appear on my Equifax credit file. XXXX XXXX XXXX with XXXX XXXX XXXX an AUD control number was provided to remove the account. The AUD control number for this deletion request is XXXX. 

Equifax needs to remove the account ASAP in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: CO
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:
Please update my address to : XXXX XXXX XXXX XXXX CO XXXX. Please update my name to : XXXX XXXX, My only social security number is : XXXX and my only and correct date of birth is : XX/XX/1974 I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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 XXXXXX/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 non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This XXXX site keeps trying to get personal loans in my name, and I want them to pay a fine to me for consistent fraud attempt this is the second time this website has done this, I NEVER signed up for prosper at all, so they need to delete all my information on the site, Im Not Sure What Going On With Transunion, because in the letter, they keep saying transunion ALLOWED it to happen. I just want justice they tried this stuff on me real late at night so I wouldnt notice

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$1300.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX {$340.00} XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$1100.00} XXXX {$300.00} XXXX {$98.00}

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 2023-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: OH
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:
The following accounts are fraudulent and should not be reporting on my credit report. Also, BY LAW I should have received a 1099 for the following accounts. These accounts are improperly reporting on my report. I believe my information may have been compromised. 

XXXX XXXX XXXX XXXX Account Ending XXXX XXXX  on XX/XX/XXXX XXXXXXXX XXXX Account Ending XXXX XXXXXXXX on XX/XX/XXXX XXXX Account Ending XXXX XXXXXXXX on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Account Ending XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account Ending XXXX XXXXXXXX on XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: MA
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 to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following information be verified or removed immediately : 1.The following personal information is not mine XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX remove it from my credit report. 
2.The following account is not mine XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
3.The following account is not mine XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
4.The following inquiry is not mine XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
5.The following inquiry is not mine XXXX  XXXX XXXX Please remove it from my credit report. 
6.The following inquiry is not mine XXXX XXXX XXXX Please remove it from my credit report.

7.The following inquiry is not mine XXXX  Please remove it from my credit report. 
( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C. 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information. * ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2023-06-20
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: Personal information incorrect

Complaint:
Basically, in looking at all three of credit reports. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, FCRA laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. I have attempted to contact the three bureaus as well as the subagencies and the information has remained on my credit report file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
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:
I sent letter to remove personal information that I don't want on my credit report. XX/XX/2022 here are the tracking numbers, XXXX. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6082. No financial institution is not suppose to share my information to third party people. These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Request for Correction of Personal Information on My Credit Report I am writing to bring to your attention an inaccuracy in my credit report. It has come to my notice that my credit report includes some outdated personal information, specifically old addresses and phone numbers. These inaccuracies are a cause of concern for me, as they may potentially lead to incorrect assumptions or conclusions about my creditworthiness. 


AddressXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA, XXXX Phone Number : XXXX I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information on my credit report. I am therefore asking for your assistance in investigating and resolving this matter promptly. 

Attached to this letter are supporting documents that substantiate my claim. These include [ list any documents that you have that support your claim, such as utility bills or a lease agreement showing your current address ]. 

I appreciate your prompt attention to this matter. Please let me know if you require any additional information or documents from me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: MI
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 have made several calls, written several letters and sent this same affidavit to Equifax and they refuse to respond. I continue to tell them that I am a victim of identity theft and have told them that they are violating my rights by having the information on my report. Can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Capital For Change, Inc.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I entered into a rental contract with tenants. When the pandemic hit, they continued to pay rent, but stopped when I began a serious nuisance complaint and immediate eviction action due to illegal activities on the property. They didn't pay for six months, then left before eviction mediation proceedings leaving me with thousands of dollars of damage to my rental unit. I was left to pay over {$7000.00} to get the unit ready to rent in addition to the over {$6000.00} in lost rent, I am now one month behind on my mortgage after sending the mortgage company over {$4000.00} in XX/XX/XXXX and consistently send extra money with each payment. With the late fees, and interest, I can never catch up. I was ineligible for the UniteCT program for mortgage relief as the former tenants refused to sign the paperwork. Capital for Change has continued to charge me late fees and interest throughout the pandemic, and continue to this day. I am at my wits end, and financially strapped. Why aren't there any grants to assist struggling homeowners who depend on rental income?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation