BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: EdFinancial Services
State: IL
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:
I was making loan payment of my student loan to my federal student loan provider ED Financial everymonth thru my checking account. I had made XXXX payments of {$500.00} on XX/XX/XXXX. The provider has not acknowledged the receipt of these XXXX payments. However my payment on XX/XX/XXXX has been acknowledged as well as payments in previous months. I have included proof of loan payment below. 
XX/XX/2023 DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} {$7200.00} XX/XX/2023 DEPT EDUCATION XXXX XXXX XXXX WEB ID : XXXX ACH debit - {$500.00} {$7700.00}

Company response to consumer: Untimely response
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX 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 719XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
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: Account information incorrect

Complaint:
XXXX, Transunion, and XXXX have all received that the credit card XXXX XXXX XXXX XXXX Account XXXX is a business credit card and should not be reporting on my personal credit and all three credit buraus have received the information that this is a business credit card and continue to keep this card on my personal credit.

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 2023-05-23
Company: Experian Information Solutions 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:
The Credit bureaus have infringed my rights as a consumer, and violated multiple times on my behalf The Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) : the credit bureaus have to update/modify any and all accounts reporting accurately According to 15 USC 1681b ( 1 ) : the credit bureaus have provided written permission According to 15 USC 1681 : I have the right to privacy According to 15 USC 1681s-2 : 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.

( B ) Reporting information after notice and validation of incorrect reportings ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had initially submitted a complaint because this company had never contacted me at all, especially with a debt that I do not owe. The account was closed and paid off completely. I received a response stating they have sent me numerous communications, however, I never received anything, even a phone call. My address has been verified and accurate, but nothing. I received their response stating they would send something, and after 30 days, I just received this unbelievably fake note as a supposed validation letter! I dont know how they would believe that I would think its real. There is no debt, no balance, and now I am forced to hire an attorney due to this fraudulent collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: CA
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:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: DC
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:
XXXX, Equifax and XXXX keep disregarding the law. I showed them multiple times of how they are violating the Fair Credit Reporting Act. Over the past year, I've sent letters to XXXX, Equifax and XXXX repeatedly and they show complete disregard for the law. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The credit bureaus show no respect for the laws.

They need to be held accountable.

Additionally, according to 15 USC 6802c, I was never given clear explanation of how I can exercise nondisclosure option. I told told the bureaus this and they have not removed ALL of the accounts requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022, I called customer service to discuss the benefits of my card, how the process works for receiving limit increases, and why I might not be receiving any offers for conversion to their XXXX program. 

As a customer for over XXXX with good payment history, and a {$23.00} balance at the time of the call, I expected to have a conversation with the representative, but instead the representative CANCELED MY CARD within 30 secs of getting on the phone. 

I explained that I have called customer service in the past and generally have had poor customer service ( i.e. disputing records on my credit report, requesting letters, etc... ) and that I wanted to discuss options or otherwise I would consider closing my account. The rep then said there's nothing she can do, put me on hold and CLOSED THE ACCOUNT without further explanation of how to pay the balance, or if I would receive an email confirming changes. 

I DID NOT WANT TO CLOSE MY CARD OR ACCOUNT AND IMMEDIATELY CALLED BACK IN LESS THAN AN HOUR. 

There was no written communication showing the account was closed so I called customer service ( who was extremely nice this time ) and I explained that I simply had remorse over cancellation and would like to keep my card if possible. Again, in less than 2mins on the call and a brief hold, the representative said there's nothing he can do and if I would like to reopen I can apply for the card again. It feels like it must be some benefit to them to force me to open a new line of credit. 

My XXXX XXXX is XXXX with XXXX and XXXX with the others, household income $ XXXX, and I was an active ( spending ) customer for XXXX XXXX, with not even " we hate to see you go '' or a full explanation of their policies or practices when closing an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My XXXX  XXXX XXXX account was hacked on Thursday for {$160.00}, and it was hacked last month for {$69.00} and a recurring account was debiting our bank account and sending the money to pay credit cards and a XXXX bill. Months ago we were hacked for {$1900.00}. I checked to learn if my name was among those hacked in the XXXX hacking and learned that my information was among the records hacked. I sent letters to the credit bureaus requesting each to remove inaccurate names and addresses because I believe the fraud is connected to inaccurate information available on my credit report. Please assist me in communicating to the credit reporting bureaus to remove all inaccurate personal information. My correct name is XXXX XXXX XXXX and this is the only name that represents me. 

My address is incorrect too. I live at XXXX XXXX XXXX. XXXX XXXX  XXXX. Any information contrary to my name and address is incorrect and should be removed.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2023 I called XXXX XXXX XXXX  and requested they verify a debt that is currently in collections. I asked that they send me information that shows I owe the debt but did not receive anything from them. I did a follow up with them in XX/XX/2023 but was informed that they had nothing they could send me to verify the debt. Before I could ask them to stop the collection on the debt until they send me verifying information the rep hung up in my face. Ive tried numerous times to get information regarding this debt and the validity of it but its been to no avail. I also contacted all 3 credit reporting agencies to dispute the debt, XXXX removed the information from my credit report but TransUnion and XXXX have yet to do so. They even have reporting errors on file such as date opened and date last active that they have failed to update since XXXX of 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 2023-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: Nelnet, Inc.
State: NY
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 filling a CFPB complaint about the reporting of NELNET LOAN SERVICES INC for account number XXXX and XXXX. This account was reported as 90 days late in XX/XX/2020. This is incorrect because this is deferred and during covid, this account is reporting negative. This account was previously and is currently in deferment. I previously requested an investigation to NELNET LOAN SERVICES and review deferment paperwork as this should not be reporting 90 late. Especially during pandemic and state of emergency. We've had these conversations before and again this issue is overlooked. I never received any communication from NELNET LOAN SERVICES INC that this account was reported as late reason I shocked to see this as 90 days late. This late payment that they are reporting is affecting my credit score. NELNET LOAN SERVICES INC is not responding to my request to investigate I need this inaccurate reporting removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: MI
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:
Disputed late payment information reporting on my consumer report several times and no changes were made. In XXXX, XXXX, and XXXX I sent letters concerning the late payments. Nothings changed. XXXX and Equifax and I'm not sure if XXXX is reporting it also, late payments for XXXX XXXX # XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX  ending in XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX late payments XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. XXXX ending in XXXX, late payment for XX/XX/XXXX. 
According to USC 1681S 2 RESPONSIBILITIES OF FURNISHER ( A ) ( 1 ) ( f ) Reporting information during XXXX XXXX  post national emergency covered period in which 120 days after declared over, it was over in XX/XX/XXXX. In which an accommodation clause allows to defer, forebear, modify, partially pay or get other assistance/relief.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter XX/XX/2023 with all 3 credit bureaus. I just checked my credit report and see that the item is not listed as disputed. I do not believe that this company is following the law, because 15 USC 1692 E h states communication or threatening to communicate information to any person which is known or which should be known to be false including the failure to communicate that a debt is being disputed. 
XXXX XXXX XXXX XXXX posted XX/XX/XXXXXXXX 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 2022-10-27
Company: Experian Information Solutions Inc.
State: IN
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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 2021-03-15
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Third Stimulus payments being sent out by Navy Federal are being held to increase banks profits using interest. Banks are also charging members difference for payments 60 days after accounts are brought to balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: WELLS FARGO & COMPANY
State: GA
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:
Wells Fargo Card Services Has lied about validation of the debt in question. and have violated my rights. 

They claim they validated the debt but has refused to send name of the company they used to validate the debt. 

And has maliciously, purposely withheld the information requested one being the original signatures which they cant provide because the account does not exist. as you heard the phone call.

And two the name of the company who validated the debt. 


This is really bad and sad. 
this account should be deleted.

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 2023-04-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/2022 your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME XXXX XXXX  ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # : XXXX**** ACCOUNT NAME : XXXX  XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: CORELOGIC INC
State: OR
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:
XX/XX/2018 XXXX  - a credit reporting company for real estate loans example - XXXX credit reporting agency show that i have a credit score of XXXX. XXXX is showing that i have a credit score of XXXX  through XXXX.

the information shown on XXXX  is simply wrong. There lack of updated information is causing me NOT to be able to get a real estate loan i can afford.

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