BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Dear CFPB, I have been in constant contact with TransUnion for the issue of unauthorized inquiries since XX/XX/2021 up to now ( XX/XX/2021 ). I have been asking TransUnion to delete the following inquiries and to send an updated and corrected credit report to my address. 

As you can see there are numerous and countless letters that I have sent to TransUnion and the only reply I get is that of Inquiries are a factual record and therefore can not be removed. These unauthorized inquiries are really hurting my chances to get a refinance loan at a great rate and are really detrimental to my credit scores. 

I hope that your office can change TransUnions mind and steer them to removing these unauthorized inquiries. Is it not a violation to report inaccurate, incorrect, incomplete and erroneous information once you have been informed to the fact that this information is wrong? 


Thank you, 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 2023-06-16
Company: CREDIT ACCEPTANCE CORPORATION
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XX/XX/2020 I purchased a vehicle after barely reaching a XXXX credit score for the first time in my life. The loan company, credit Acceptance Corp., said the payments I could afford but that was the farthest from the truth. When they put in the papers to sue me I answered with the fact I knew that gave me a loan I couldn't afford and as an admission of guilt in my eyes automatically offered me 80 % off. They have been sued all over thus country for doing exactly what I claim they did at the time. Even if I could pay it off the damage there done to my credit may never be fixable

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 2022-03-09
Company: EQUIFAX, INC.
State: AR
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, has violated my rights.

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

15 U.S.C. 1681s-2, a furnisher has a duty to provide accurate15 information to CRAs and a duty to conduct an investigation into the completeness and accuracy of the information furnished. An individual may assert a private cause of action for violations 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX submitted my final employee certification for PSLF forgiveness. My qualified payments = XXXX. Requested to be put into Forbearance while counts were being updated. Mohela sent me a message saying my Forbearance expires on XX/XX/XXXX. So Mohela wants me to pay while they figure out my counts. My current count is XXXX. I submitted the paperwork verifying my employment. They stated I had to start paying again while They are processing my account. 
XXXX response or clarification

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have 4 private loans with Navient that all have HIGH interest rates. 

1. $ XXXX@ 15.375 % 2. $ XXXX@ 15.375 % 3. $ XXXX@ 9.500 % 4. $ XXXX@ 15.375 % The last time I checked my credit score, it's in the mid to high 700s. 
There's no reason why they can not work with me to lower my interest rates. 
Plus anytime I get into a program with them, my payment goes to interest rates primarily. 
It makes it almost impossible to bring down my principal when everything goes to Navient. 

Please help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
American Express customer service is the worst nightmare XX/XX/2019, I tried to book 2 airline tickets on Amex travel website. During the final step of the booking, the page showing me errors as theres a problem with the booking and that I need to call Amex customer service to check if my reservation went through even though I saw a pending charge on my card for the amount of {$7400.00}. However, I got no reservation number, no confirmation.I called Amex immediately and was confirmed that nothing came through, they also advise me to rebook my ticket and that they will stay on the phone to make sure. They also informed me that the pending charge will dropped after a few days. The second booking went through with no problem XX/XX/XXXX, the initial charges still on my account, we contacted customer service once again and also were advised that the pending amounts will go away XX/XX/XXXX, the charges posted on my account. I called Amex and got transferred to 5 different people. I was put on hold for an hour and the agent told me they will contact me back as soon as possible. No one ever call me back. They also told me that I over charged my card and that the card might be declined (!!!!!!! ) XX/XX/XXXX, Im on a business trip, and of course, my Platinum Amex declined. I now have no credit card on hand for my expenses. I called them again, got transferred to several agents and at the end got hang up on while waiting to be transferred Ive heard lots of good things about American Express and was excited to get the platinum card. As a new customer, I feel angry, frustrated and upset with the whole experience. I feel unappreciated and lied to. Its an acceptable for a company like American Express to not follow up with customers to try to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
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 XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today 's Date XX/XX/XXXX A couple of weeks ago I opened a savings account at a credit union.

The credit union asked me to temporarily un freeze my credit report so they could verify my identity and check for aliases.

I went to Experian 's website and completed the form for temporarily allowing access to may report.

Even though my online and phone inquiries confirm the unblocking of the account, the credit union is still being denied access. I am getting e-mail notices from XXXX/Experian saying they are blocking access.

When I have tried to call Experian, I am told there will be a 2 hour wait to talk with an agent. 

What can I do???

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 2023-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 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 2022-07-05
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:
THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following Gramm Leach Bliley Act. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness.

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been charged for a month subscription since XXXX of XXXX each month for XXXX up until XX/XX/XXXX. I did not notice the transaction until XXXX of XXXX. I filed a dispute with Chase Bank credited back all 6 months of charges and then reversed. I then contacted the merchant, XXXX, and they credited back 4 charged on XX/XX/XXXX and sent me a receipt showing 4 credits. I sent this document to chase, filed a claim, chase credited me back 3 charges and the reversed the credits. Chase at this point closed the case and will not reopen a dispute. I have contacted the merchant and they gave me transaction number. I contacted Chase and they stated the transaction number do them no good. I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I received a letter from my mortgage company, Village Capital and Investment LLC, that was dated XX/XX/2022. It was an annual escrow account disclosure statement. It read, in short, that I had an escrow surplus amount of {$1100.00} dollars that would be sent to me by check within 30 days, provided my loan was current. My loan had always been current with them, and continues to be to this day. On XX/XX/2022 I called Village Capital and inquired about my check as I had not received it? I was told the escrow department had been informed and I'd receive it within days. I called them again on XX/XX/XXXX to ask again about the check that I hadn't received. This time I was told to call back in 45 days if I hadn't heard from them. So I asked for a check number and date it was sent, she couldn't provide it. I asked where was it mailed from and to what address, and the call abruptly ended on her end. No one returns my calls and I can't get any information about my escrow surplus refund check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For almost 5 years I have been unable to receive my annual free credit report form Experian online, with requests dating back to XX/XX/XXXX and most recently today on XXXX  made via XXXX Most recently the excuse provided by Experian states that " A condition exists that prevents Experian from being able to accept your request at this time. '' In the company 's response to my previous CFPB complaint they did not include any detailed information regarding this barrier to my receiving my credit report, and simply stated that consumers are not guaranteed access to their reports online. If the company continually denies the simple and quick access that an online credit report provides customers, they need to provide customers with detailed information as to why requests for online reports are denied, no boilerplate language that implies we are not owed an online report. 

My experience shows that Experian is continuing to present barriers to consumers accessing their credit reports with the bureau electronically, forcing them instead having to mail or call to request a hard copy of their report. This is a parsimonious and inexplicable barrier to access from company that, as I have mentioned before, maintains its existence by aggregating the personal information of consumers and profiting from that info, with XXXX benefit to the consumers themselves.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I don't know why I'm being charged for a student loan from a school I never attended. I was never enrolled into a class there's no proof of any type of transcript, grades or work I've done. There's no proof of the teacher and or a class I don't know how they got my social. I recall calling to inquire about the program but I never made a payment to sign up for the program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16
Company: Bread Financial Holdings, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, Here 's a little information about the account. My card was taken by my now ex husband which he used on his girlfriend. I set up monthly payment arrangement with them after he left and while I was going through my divorce. They told me I could no longer make the lower monthly payments anymore and I could not afford to pay the full monthly amount payments. The account was closed and charged off as a bad debt, then sold to a collection agency. I was served by this company to collect a debt. I tried on XX/XX/XXXX to contact this company ( XXXX XXXX XXXX ) in order to try and solve the debt they are collecting. I was answered with a message that this is a debt collection company. They would not accept my offer and I was told that my offer would be relayed to them and someone would call me back. I called back again on the XXXX of XXXX and I was told the message was relayed. No one has ever returned my calls. I appeared in court like I was told to and no one was there, I was taken to the clerks office, where I told I had to file a cross claim that day or they would have a judgement against me. I told them I was on public assistance in my claim and could not afford to pay them what they were asking. Because I can not afford an attorney, apparently I did not give them sufficient evidence for my claim. No one will call me back. How am I supposed to work anything out with them if no one ever calls me back. They have just added another derogatory remark to my credit score. This is not right that they make no attempt to work with me, when I am trying to get this matter resolved. They just want to garnish my wages, make me pay attorneys fees and are unwilling to work with me at all! It is not right they treat people like this when you are actually trying to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-07-30
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying many times to get results on my disputes. I have asked many times for contract, proof and that I signed some agreement which I have not. This has been going on long enough. I never signed a contract with the collection agency. After the investigation they never sent me proof that it was validated. They keep validating before anything can be investigated. And when it has been deleted they reinstate the collection without even a 15-day notice. They keep violating all the laws and my civil rights to discriminate. It seems like all they can do is just put somebody down with false information to make more money for the subprime market. And also I think they discriminate because my zip code. I sent an affidavit explaining how they keep violating my rights and I wish this to be corrected with the deletion of all those collection accounts and or charge-offs. The signed affidavit that I'm sending is to you explain how they keep violating my rights. After their investigation which was not completed properly or investigated properly, no proof of contract or signature was ever provided.

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 2021-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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: Was not notified of investigation status or results

Complaint:
I was affected by the XXXX data breach and my identity was stolen. I went through the proper procedures and filed an FTC report with the Federal Trade Commission and I have also filed an identity theft affidavit. Unfortunately, I was not informed of the investigation results and I was not supplied any supporting proof documentation. 

I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore ny such debt, in fact exists.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: LA
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 have accounts on my credit report with Experian, XXXX, and XXXX that do not belong to me.

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