BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6000.00}

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 explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect address.

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: Nelnet, Inc.
State: CO
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:
In XX/XX/2023 I called Nelnet, my student loan servicer, to switch my payment plan from the graduated repayment plan ( plan that starts with a low payment and incrementally increases over the years ) to a standard repayment plan ( set payment amount for the duration of the loan lifecycle ). The individual I spoke to said she would be able to switch my plan without issue, and also remove my deferment because I was automatically placed on it without wanting it. I wait for over a month and find that my plan has not been switched over. 

I call back again, this time on hold for over an hour. I was told that the prior customer service representative did not execute the plan switch correctly. She promised she would have it corrected. Then put me on hold for more time to speak with her supervisor and then told me it was corrected. I asked for a confirmation and this individual told me it would be coming. I keep checking back to confirm whether my account has been corrected, and of course, it had not. 

So I called back again, for a third time, now on hold for over an HOUR AND A HALF, this time practically begging for help. This representative told me yet another error had occurred, and they switched me to the same plan that I was already on? How does that make sense? I stated multiple times and very slowly which plan I needed to be on. She said it was corrected, that a confirmation would be coming, and to wait a few days for the change to reflect in my account. 

I waited. And waited, until about two weeks pass by and I log into my account to find that it is completely messed up. My account says my next payment due is around {$190.00}, much lower than what I should be paying, and that three of my loans have been placed back into deferment without my knowledge or consent. I was so furious it almost brought me to tears. I decided to call back then was told by the IVR that the wait time was over an hour long. 

At this point I need help because I can not get this resolved on my own. I am not a borrower who is looking to defer my loans or find my way out of an obligation. I want to pay these loans down and not get buried in interest, and I am doing my best to get on a plan that will allow me to stay ahead of interest and pay these down in a manner I can afford. 

Nelnet 's incompetence creates serious risk for borrowers. I am at risk for getting buried in interest by setting payments so low, combined with a lack of transparency on how to make a principal payment to offset this nightmare, I don't know how to protect myself from a financial harm I am trying to avoid and Nelnet has represented as being available to me without additional approval processes. I need my account corrected immediately because the outcome of this could result in months and even years of hardship. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX  paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Affirm Holdings, Inc
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The Account amount I had with Affirm Inc was paid off on XX/XX/XXXX which I was confirmation I received from Affirm stating that the amount was paid off. And when I disputed this with XXXX since affirm did not update the amount as paid off and its still on my credit report. 

For the dispute I submitted with XXXX, Affirm had replied the information was accurate that theres still a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I don't recognize these inquiries on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: MO
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:
Experian says my XXXX account needs more time for boost they stole 15 months of on time never late payments in the pics below you clearly see Experian is lien to cfpb. They keep doing his in retaliation for me filing complaints

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 2023-07-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 2022-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 uscs 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 2018-11-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
i got a notice via email about the pin being changed on my account. i tried to log into my account online and got a page saying the account was closed temporaraly. i called the number listed and was given another number to " XXXX '' that was " reviewing my account '' ... ive gotten no response ... the account is is less than 2 weeks old ... i made my {$0.00} deposit to get my debit card sent to me. then a {$1.00} deposit and {$1.00} withdrawal by XXXX  to link my account to XXXX. roughly 3 days later i am currently locked out my account and have got no respponse from " XXXX '' ... my account is an interest checking account through ally bank ... ( online banking ) my name is XXXX XXXX and an email i can be contacted at is XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-23
Company: EdFinancial Services
State: PR
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX XXXX contacted me via phone call. They said I qualified for a payment plan that was going to relief me of paying XXXX. They said that to be enrolled in the program i needed to pay XXXX payments of {$390.00} and {$72.00} each month for XXXX months. They had all my info already when they called, my ssn, student loan amount, address, full name, everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
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, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, have 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 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
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 respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was called by XXXX XXXX letting me know on XX/XX/XXXX some one did a credit increase online for my XXXX XXXX account to XXXX. Then on XX/XX/XXXX a purchase of {$12000.00} was made at XXXX XXXX located at XXXX XXXX  XXXX XXXX XXXX NY XXXX phone # XXXX XXXX XXXX. 5 pieces of jewelry. A fraud case was open case # XXXX. I.have spoken to various people over the course of XXXX to XX/XX/XXXX. I was told the case was closed on XXXX and I was not found responsible. Letters would be sent to all 3 credit bureaus. Well on XX/XX/XXXX I reviewed my credit and this fraudulent activity has caused my score to drop from XXXX to XXXX. I was told this would take 30 days to be corrected. My credit is important and it seems no one wants to rush to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX Showed up on all 3 of my credit bureaus. I have no knowledge of this account. I would like this removed from my credit report. I have disputed this on my credit report and it has not been removed yet. I would like it removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy Federal as been doing whatever they want to with my account for the last few months I have been frozen since XXXX there is over {$50000.00} in my account and I need to access the funds it is a 2 hour wait time to call whenever I try to get someone from security I submitted all the required documents and they still have not reached out its way pass the time frame they give and I need to go to the bank and withdraw my money and they need to remove all restrictions from my account and stop doing this to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Rocket Mortgage, LLC
State: OH
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:
While speaking with a loan officer, he advised that he needed to pull my credit. I stated I didnt want him to and he tried to explain that it wouldnt impact my credit much. He then realized he already had my information and stated I already have everything I need and he scheduled a call back. He pulled my credit without getting consent and never even called me back like promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been in touch repeatedly with TD Auto Finance in an effort to take over my sister 's loan and obtain title to her vehicle so that I can sell it to the dealer. 
My sister passed away on XX/XX/2023 and left her car at the dealership. It's been sitting there ever since. They are interested in buying the car but require that it be titled in my name and are threatening to have the car towed and impounded. 

Once I obtained a death certificate ( XXXX  months after my sister 's passing ), I submitted it to TD Auto Finance and began discussions with them. They alleged that they would send me documents for a Transfer of Equity, so I can take over the loan and title, but nothing arrived. They have repeatedly promised and nothing happens. 

I've been talking with XXXX XXXX XXXX at TD Auto Finance. The number I have for his office is XXXX. 

I am distraught over the loss of my sister and further upset by how hard it's been to deal with her affairs. I could really use some help but don't know who to appeal to. I would greatly appreciate any assistance that the CFPB could provide me in this situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief