BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Global Lending Services LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX ON XX/XX/2021. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance and XXXX XXXX XXXXXXXX made me purchase/include insurance separately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-06-11
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation request certified Mail to Santander and it was received and signed for by a XXXX XXXX on XXXX XXXX, XXXX my previous complaint to this company was returned stating that they did not receive said request ( page 2 of attachment XXXX ). attached below is the requests sent and the proof that said validation request was received by Santander Consumer USA. 
They also proceeded to send me a copy of a contract and not the original Only I as a consumer, and the original creditor can validate this debt and I vehemently refute this debt. 

PLEASE BE ADVISED PURSUANT 15 USC 1692g A contract is not validation This is a notice that Santander Consumer USA is in violation of multiple protected rights and should proceed to remedy these violations in the manner provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Flandreau Santee Sioux Tribe
State: HI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Called me before XXXX and contacted my employer and left a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: BROKER SOLUTIONS, INC.
State: CO
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:
We have always paid my bill on time with my mortgage company but I now have a 30 day late payment on my report. I recently tried to get a home loan and i noticed that they have the late payment reporting on my credit report. I was set up on auto payment so i never could've been late. It's damaging my credit score and affecting my ability to get a home loan. Please help. I have disputed them with the company and the credit bureaus but have had no success. Any assistance you can give would be greatly appreciated. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CBC Companies, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fraudulent inquires by the following companies without my consent. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Bread Financial Holdings, Inc.
State: CA
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:
Late payment on your credit report is a privacy violation. In accordance to fair credit reporting act has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: Credit Karma, LLC
State: KY
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:
Credit Karma told meXXXX was pre approved for car loans and credit cards but when I applied i was denied resulting in a inquiry on my credit report. Now I have to wait some years before it is removed after damaging my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: CA
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:
Account was already under documented dispute. They stated they applied a two month billing cycle extension for Covid 19. I paid this account completely it was a small amount of under {$250.00} on XX/XX/2020 it cleared my account XXXX as attached I called back XXXX to confirm my credit was being rectified I said I would get a lawyer if need be they then starting calling me a bankruptcy client They stated calls never took place I sent them proof of such then they stated oh sorry we didnt have notes we provided coaching to our employees. I advised my credit was showing 90 days past due multiple times when I was only 60 days initially they denied that until I sent proof as of today that was rectified to 60 days thanks to me having sent documented proof multiple times This error has caused me significant financial harm and I intend to explore every legal remedy to me within 30 days if not rectified

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 2017-08-03
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The company did not pay property taxes, although we have an escrow account to make sure taxes are paid and paid on time. We we contacted them they paid some of it, but still left money to be pain which we ended up paying out of pocket. We have had several phone calls regarding this issue and it is still not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX 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 inaccurate information on an 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. 

In XX/XX/2023 unauthorized and fraud charges were placed onto my account ( authorized user account ) in a foreign country where I was never there. 

Reported this to XXXX XXXX, account ending XXXX, and they sent out a letter after the investigation stating I would not be liable and that the account is closed. Unfortunately not all the credit bureaus are on the same page. Therefore it is still reflected negatively on my Equifax report which is causing my otherwise credit score to take an unfair dip and also reflects a balance amount that is delinquent but not mine. 

Again, this has been reported to XXXX XXXX and I also filed a report to the Identity Theft agency. Ive attached all the letters and documents to that stated facts. 

This inaccurate reporting has caused my otherwise perfect credit score to take an unfair drop in the score which could impact my ability to obtain credit, if needed for me and my family.

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 2023-06-27
Company: EQUIFAX, INC.
State: NV
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Good day-I have disputed on several occasions an inaccurate XXXX XXXX reporting by TransUnion Credit Bureau. My first letter was sent on XX/XX/2020, second letter was on XX/XX/2020 in which I asked method of verification-again I have not received and reply from TransUnion. My third letter was sent on XX/XX/2020. To date I have not received a direct response to any of my disputes-the inaccurate information still remains on my report. By not replying and not providing me any viable evidence TransUnion has violated the federal law. 

Please note this information is not reported on any of the other credit bureaus.

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 2018-12-15
Company: Wilber and Associates, P.C.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
4 months ago i was in an car accident and afterwards I started receiving calls 1 month later. The calls states that they would have me arrested, suspend my license if i didn't pay. I disputed it but the final straw was they were sending someone to arrest me if i didnt agree to payment arrangements. I only did it because I thought I was going to jail. I do not owe them any money but paid until i found out that i'm not the only person they've zone this to. I do not owe them anything. And i signed and made payments under the impression that they could have me arressted. They also said my license were suspended even made me get SR22 insurance and i have recorded phones of all their THREATS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-04-19
Company: Chime Financial Inc
State: FL
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 disputed two transactions with Chime Bank where the products/services were not provided and the company refused to issue a refund. Chime claims to investigate the disputes, but doesnt. When I submitted rebuttals and requested their investigation documentation, they refuse to provide the documentation or further investigate the claims. I dont hear back despite repeated emails. With the most recent dispute, I was told the documentation would be provided within 10 days, which was over a week ago and then extended further and they still havent sent the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: GVA Holdings, LLC
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I had been looking at my options online for a personal loan but never actually applied for one. The next day I had a flood of emails and text messages from numerous companies. Target Cash Now had sent me a link to see how much I was approved for on XXXXso I clicked on it to see how much the loan would be for not knowing that it would be an actual signature to a loan ... very tricky and not fair. The amount of the loan from them was {$700.00} and the amount owed is currently {$1200.00} as of XX/XX/21 and accruing daily. I called them to explain that I did not apply for this loan and that my banking account is now froze due to fraudulent activity because two companies, including Target Cash Now were involved according to my bank manager. I did make a police report but am still awaiting word on the investigation. The fraudulent activity was the checks sent in were not legitimate. Target Cash Now never asked me any qualifying questions ... income, personal, nothing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet is my student Loan Servicer. I've spent days and hours by phone trying to get my login updated so I can update payment info but no ANSWER!!! its telling me to call for access!!!!. No time estimate-No call back Service!!!!?

Unbelievable to think this is the financial company dealing with our loans.

I need a forbearance and have correspondence I need to see. Their message is telling me I don't have a valid email, yet Nelnet emails me information?

Neltnet obviously doesn't have the infrastructure to support this type of financial responsibility or demand for service. I'm already being reported negatively on credit for missed XXXX payments because I can not get through. Their website even says they cant handle the email volume. Should be illegal to report on consumer credit for them during this time when they can not service their customer 's needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
State: VA
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 filing a complaint of non-compliance against XXXX XXXX who sent a letter to on XX/XX/XXXX and Equifax on XX/XX/XXXX. This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached both letter I sent to XXXX and EQ XXXX. The following on the letters needs to verified : In XXXX, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : FRAUDULENT INQUIRIES XXXX CARD Date of inquiry : XX/XX/XXXX XXXX XXXX SER Date of inquiry : XX/XX/XXXX XXXX XXXX NA Date of inquiry : XX/XX/XXXX XXXX  XXXX NA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX FRAUDULENT ACCOUNTS XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX  Account Number : XXXX XXXX Account Number XXXX XXXX

Company response to consumer: Closed with explanation