BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-26
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 information incorrect

Complaint:
I disputed inaccuracies with a Equifax concerning my student loans. I consolidated my accounts and the consolidation caused the accounts to be paid in full and closed. I did this to clear up my credit report so that I can purchase a home. My on time payments are missing for a whole year and my missed payments are showing up with which is throwing off the ration, so I consolidated. Every other credit bureau removed the accounts from my credit report and reflect the current consolidated student loans except for Equifax and I would like them to follow suit and delete the inaccurately reported accounts and payment history. The XXXX representative told me that consolidation would resolve this so now I am asking that my Equifax be updated to reflect the changes as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: CREDIT ACCEPTANCE CORPORATION
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 information incorrect

Complaint:
You have been furnishing inaccurate information to my consumer report and un multiple occasions you have certified that the information been reported is a accurate and failed to correct the inaccuracies. I have attached a copy of the information been reported such as payment history and account closure date.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Chase Bank has declared my checking account dormant. There has been no communication from the bank ( mail, electronic communication, or phone call ), notifying me of the impending dormancy designation. If I hadn't recently been checking my credit card statement and noticed my checking account did not appear under my accounts section, I would have never been the wiser. I called the customer service line, who informed me of the dormancy status, but could not find any communication from Chase in their system for the dormancy notification. Now I have to go to a physical location to get the situation rectified as there is no easy way to activate the account online. 

Chase Bank has a responsibility to notify those that bank with them of issues like this that may arise and their total lack of effort on such a serious matter ( my funds, thousands of dollars, could be handed over to the State if the dormancy status lasted long enough ) and I would have been none the wiser ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
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: Account status incorrect

Complaint:
I, XXXX XXXX, am a consumer of the United States and anything purchased with my credit card remains the obligation of the United States pursuant 15 USC 1601. I the consumer never gave XXXX XXXX XXXX  any written consent to report anything on my consumer report which is a direct violation 15 USC 1601B ( 2 ). I never signed a contract or entered a credit transaction with XXXX XXXX XXXX. XXXX XXXX XXXX has used abusive practices violating my privacy pursuant 15 USC 1692 ( A ). I never gave XXXX XXXX XXXX  ( third party debt collector ) consent to obtain any of my information. Pursuant 15 USC 1692 ( B ), a debt collector can not state this is an attempt to collect a debt. XXXX XXXX XXXX has violated 15 USC 1692 ( C ) 1 by mailing my home between XXXX at an inconvenient time without my consumer consent. XXXX XXXX  XXXX has abused me by harming my consumer reputation, poorly affecting my credit score and worthiness and harming my chances of purchasing a home. Pursuant FCRA 15 USC 1681A ( 2 ). XXXX XXXX XXXX used profane language in their letter sent to my home pursuant 15 USC 1692D ( 2 ). XXXX XXXX XXXX repeatedly knowingly and willingly violated my consumer rights protected by FDCPA and FCRA. You will be held criminally liable pursuant 15 USC1640 and civically liable for all violations of 15 USC 1692K. Attached to this letter labeled is Exhibit A and Exhibit B shows proof of these violations. Also is attached an invoice for violating my federally protected consumer rights which is to be paid by check. Also as remedy, I demand this account to be immediately removed from all my consumer reports, from all consumer reporting agencies, and to be XXXX out immediately!

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 2022-07-26
Company: Navient Solutions, LLC.
State: OH
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:
XX/XX/XXXX I received an email regarding my private loans and was wondering why my payment has increase again, I have been paying on this loan since XXXX and the balance has never changed, there are thousands of people not even paying there loans and they keep increasing my interest rates, how the XXXX can a person ever pay off their loans when they keep increasing the rates, then they don't even notify me of the changes. After XXXX  years of paying on this loan my balance has remained the same, never changing in fact it has went up instead of down, so these predatory lenders who give us money to education institutions are bleeding money out of us for financial gain, if I new that XXXX XXXX and Navient were such a scandalous institution I would have never borrowed a single XXXX from them because in XXXX  years they have made over XXXX dollars off of me and my loans are only XXXX, and my balance is still {$32000.00}, this is a crime, and I still have XXXX years to pay this off imagine {$370.00} for 156 months is the total of {$59000.00}, plus the already approximate XXXX I have paid, sad that I have to pay XXXX for loans that are only XXXX what a grand profit for Navient, what a scandalous institution the education sector has become, public or private loans does not matter. The government and these other institutions are stealing from the American people who tried to do better by going to college which has also become a racket, it is a XXXX XXXX shame that this country does not offer a quality education to individuals without having to sell our souls for it. I have XXXX loans that will never get paid I will be dead before I ever see a change in my balance, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/30 I applied for a checking account online at Simple.com and was given the following message, " We're sorry to let you know that your Simple application was not approved. For security purposes, we can't tell you the specific reason. '' I called their customer support at XXXX to inquire, but was told again that no reason can be given. I asked about my rights to dispute incorrect information and to be provided a reason for denial per the FCRA, but was again told no information would be provided. I was unable to re-review my application for any potential mistakes and was not given any information on what potential reports were pulled in making the decision for denial. I feel that my rights per the FCRA were violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hi, During the CV-19, I was temporarily applied for forbearance with the mortgage company MyloanCare from XXXX to XXXX. My monthly mortgage is {$1400.00} x 3 = {$4400.00} deferral to the end of my loan. The company mess-up was so bad that they show on my statement that the total amount is {$16000.00}. I called every week since XXXX. They promised to review my accounts. Until today, they still not corrected even they admitted on the call with me that is a mistake. It is so stressful and I am about to XXXX. I need to file this complaint as I believe others may run into the same situation. Please help to review the company accounts as I think they are not honest to the clients. 

thank you so much and looking to hear from you, Myloan 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 2023-08-18
Company: Experian Information Solutions Inc.
State: AZ
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-07-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
no savings statment for XXXX  months then accounts locked now account recovery unit supposed to be XXXX days but its been a week

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation.

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 2022-09-19
Company: Experian Information Solutions Inc.
State: MO
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 XXXX XXXX and I am submitting this CFPB complaint to you today to inform you as well as the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and information that listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-26
Company: Experian Information Solutions 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:
in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Fay Servicing, LLC
State: MT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in need of modification due to XXXX. I filled out hardship paperwork and during the same time Faye Servicing sent a letter saying they were taking over servicing the loan. They also had me fill out hardship modification paperwork. A few weeks later I heard from XXXX XXXX XXXX that said I was going to do the modification with them. They had me send them a cashiers check for the attorneys fees. I added XXXX XXXX XXXX to this and it was sent back and they said to make it fast get the gift cards. Stupid now, I live in a rural area so since they had all my info I went with it for XXXX months. I kept all the paperwork. Now I am facing foreclosure in XXXX weeks at sheriff 's sale. I have all the cards still.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am a resident of XXXX, MA. I moved from XXXX XXXX, IN, and wanted my car to be registered in MA. I contacted my leasing company ( Hyundai Motor Finance ) in XX/XX/2023 regarding this. Every time I used to call them they used to give me a different set of information. I somehow gathered all the information and sent them the required documents for the title transfer in XXXX. I filed a complaint with CFPB in XX/XX/2023 after which the leasing company then sent the title documents to the title department, MA by the end of XX/XX/2023. I called the title department, MA and they told me that the documents were wrong ( missing information ) so they sent them back to the leasing company. Now whenever I call the leasing company they tell me a new thing or they keep giving the USPS tracking address back from XX/XX/2023 on which they sent the documents to the title department, MA. Last week they told me that the documents were sent to my old address which is in XXXX XXXX ( they already have my new address with them where they had sent an information document in XX/XX/2023 ). It has been three months and I am very stressed and depressed because of this. I feel cheated and humiliated. I also sent them a check ( in the name of XXXX  ) that was supposed to be sent to DMV, MA. They said they never got the check back from the DMV in the documents they sent back. My car is unregistered since XX/XX/2023. It's giving me everyday anxiety. I have cried on a call with the leasing company a couple of times. I feel so helpless.

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 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXXXXXX XXXXXXXX  Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/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 2019-08-26
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called XXXX XXXX XXXX has placed a past do notice on my credit report of {$700.00}. I have no knowledge of this dept or the company itself. Its connected to a a company called XXXX. I have contacted Experian and XXXX to have this removed and both are saying that the dept has been verified as accurate. I'm completely confused on how this could be true. I know nothing of either of these companies nor have i ever received any kind of notice thru the mail from either if them. Experian shows on my personal info that there is a name on my " also known as '' section. This is not accurate. I've only ever used my given name my whole life. I feel they are trying to use me as a scape goat for this other person. I have lived at the same address for the past 10yrs and have all the same accounts i currently have had this whole time, including all utilities, phone, internet and XXXX. I don't understand how they can verify something that never existed.

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 2023-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts DO NOT belong to me.I was a victim of identity theft! I have contacted both credit reporting agencies and the creditors for a resolution. Through phone, mail, and online. As well as filed a police report. 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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: Credit inquiries on your report that you don't recognize

Complaint:
There are fraudulent inquiries on my credit report that I did not authorize and I want them removed from my report. I tried contacting them individually but Ive been ignored on numerous occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Navient Solutions, LLC.
State: CO
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:
In XX/XX/2018 I completed the application for Public Service Loan Forgiveness ( PSFL ). I completed more than 10 years of employment with a qualifying nonprofit and made the required 120 payments. During the 10 years I reached out to my loan servicer ( Navient - Sallie Mae ) to make sure my loans were the right kind of loans and were eligible for PSLF. Each time I was told yes and given assurances that as soon as I completed 10 years, the loans would be forgiven because they were Federal Loans.

My application for PSLF was declined because my loans are in the wrong classification. Navient apologized for giving me incorrect information 4 different times and said I could consolidate my loans again and restart the process of 10 years of employment with a nonprofit and 120 more qualifying payments. 

Navient knowingly committed fraud, and said they are unwilling to correctly classify the loans because that would be considered admitting fault which could make them liable for the loan balance. The have decided instead to call me every day with excuses. This is unacceptable. I understand why the Attorneys General for so many  States are suing Navient for fraud.

Company response to consumer: Closed with explanation