BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-13
Company: Westlake Services, LLC
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Westlake Financial Services $ XXXX XXXX ), ( XXXX XXXX {$690.00} ), ( Hard inquires ) has violated several of my rights. 
15 U.S.C 1681 Section 602 A. Clearly states that 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 finish 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. 

Remove these late payments and hard inquiries and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX {$1800.00}, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE A THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER reporting agency can not FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 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 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 2023-09-19
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, my student loans got transferred to from Great Lakes to NELNET earlier this year. Prior to the transfer, I had spent several years paying off the interest to my loans down to {$0.00} and only paying off the principal balance before the student loan pause due to COVID-19. I received an email earlier this year that my loan was being transferred to NELET and that nothing was going to change with my account.

After the transfer was complete, NELNET added an interest to my account. Reminder, I had been interest free for a couple years!

I called NETLET To understand why interest was being accrued again when I had been interest free prior to 2020. They were not able to give me a good reason at first. I called several more times through the summer and then again last week. From that last conversation with the representative at NELNET, when the transfer from great lakes to NELNET happened, NELNET was able to start charging me a daily interest rate and that it was included in a master promissory note ( That I never agreed too ). I was shocked at this and immediately filed a case with the studentaid.gov website for student loans.

I am reaching out to all my congressional representatives as well as Department of Ed OMBUDSMAN, CFPB and anyone else you can recommend. I am planning to continue paying my loans ( even with the interest, however I don't believe this right, under any circumstance and that I am being taken advantage of. I believe NELET is doing wrong. I am unsure what my actual ask is, but that I need some help and support in reaching the right people to understand how they are able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2023, I got an email from XXXX informing me they were transitioning their financial services from XXXX to Comenity Capital Bank. Then, on XX/XX/XXXX, another email arrived, mentioning a new payment setup. Although the email stated that a letter containing my account number had been sent in XXXX, I never received it. When I called the provided contact number, an automated message simply told me to await the arrival of this letter. Finally, on XX/XX/XXXX, the letter arrived. 

To my dismay, I found a {$29.00} late fee on my account. I consider this practice unfair and predatory. I never requested the shift from XXXX XXXX to Comenity, and I was not alerted about a late payment either. Instead, I received aggressive calls from Comenity, from a blocked number, attempting to collect a debt. It wasn't until today that I got an email identifying itself as from a " debt collector. '' This entire situation is highly predatory and unjust, and I believe it should be illegal. The bank should offer a XXXX day grace period for customers to receive these letters, particularly given the known inefficiencies of the USPS. While the letter lacks a sent date, it's the only correspondence I've received regarding this change. 

Now I find out my payment is due on the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-07-31
Company: EQUIFAX, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} XXXX XXXX  XXXX {$800.00} XXXX XXXX XXXX {$29000.00} XXXX    XXXX {$6300.00} XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Experian Information Solutions Inc.
State: NC
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 had a charge off from XXXX XXXX XXXX XXXX on my Credit report for 7 years at a larger balance than when it was originally written off for. XXXX XXXX XXXX XXXX kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.

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 2023-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Trying to re-fi a mortgage to XXXX from Mr Cooper. Mortgage was taken over by Mr Cooper from XXXX. XXXX and Mr Cooper are preventing me from changing my mortgage to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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. Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX in Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX account number : XXXX Account name : XXXX XXXX XXXX. 
Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX bank Account name : XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : 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 2020-10-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 Citibank put a block on my account and insisted on replacing my debit card. They assured me that the block would be removed once I activated the new debit card. The new card arrived, I activated it but they did not remove the block on my account. I called customer service and asked them to please remove the block from my account and they then changed their story and insisted that I needed to open a new account. I informed them that I already had another account with Citibank but they still refused to allow me access to my funds. I called upwards of 15 times and each time I was either hung up on or given the run around. We are in the middle of a pandemic and my family is struggling financially. Denying access to needed funds for no apparent reason is unethical and morally wrong.

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 2023-11-05
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:
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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( XXXX XXXX ) I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 not attempting for the 4th time to have inaccurate accounts removed from my credit report. XXXX XXXX XXXX has not been in compliance as these companies have several inaccurate items on my report. I have requested that each of these companies validate that the debts are 100 % accurate and i " am willing to pay in full ''. Each time they have not been able to verify these accounts, i am also aware that they are inaccurate. For some reason, im getting notified that these companies need more time to investigate these claims, but it has now been 5 months and this is now becoming ridiculous. I would like the following included accounts removed from my credit file asap. This is my 4th attempt to resolve this matter through legal disputes but i am not getting anywhere. I will continue to take further actions until these inaccurate items are removed from my credit file. 

Regards, XXXX XXXX XX/XX/1981 XXXX ( SSN last 4 ) XXXX XXXX XXXX XXXX XXXX, Pa 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 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978, and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). Also violating 18 USC 894. 

Names Reported : XXXX XXXX XXXX, XXXX XXXX XXXX They ( credit reporting agency ) have violated my rights, and restraint of trade in violation of 15 USC 1, and 15 USC 2. Additionally, it clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. 
15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 

15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain 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. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information.

( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. Reporting alleged late payments in violation 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1681 ( 2 ) ( 1 )

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 2023-03-06
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
American Express is in volition of 15 USC 1681 ( a ) the Fair Credit Reporting Act.

So, 15 USC 1681 ( a ) ( 2 ) ( b ) speaks under the exclusions except as provided in paragraph 3.

The term Consumer Report Does Not include ( a ) ( I ) - a report containing information solely as to transactions or experience between the consumer and the person making the report.

( B ) -any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

American Express is reporting this information on my consumer report making it inaccurate because this information is not included in a consumer report I have sent a letter to american express asking them to delete this information off of my consumer report.

American Express has responded with only billing statements of some alleged debt, ignoring my actual request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have notified Jpmcb of the continued disruption of my financial health due to identity theft and fraud they have did nothing to get rid of the fraudulent XXXX debits coming for my account the fraudulent cash app transactions and as well as debit card usage I dont even know what to do moving forward at this point as it stands I owe chase just a little under XXXX XXXX which I find completely ridiculous since they failed to protect my account from fraud I Demand that the fraudulent transactions be removed from my account immediately and that they clarify on where the fraudulent credit card has been open I have only ever had XXXX not XXXX credit cards with chase and the credit card that I do have from chase is riddle with fraud and they refuse to take care of the issues please help me get all this fraud off of my chase account and get it reopened I can provide a police report if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: AES/PHEAA
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: Investigation took more than 30 days

Complaint:
I have several loans that i borrowed back in XXXX  while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent multiple letters disputing and asking for reinvestigation for inaccurate and unverifiable information on my consumer report. I have fraudulent inquiries on my consumer report that have to be removed as they are in violation of my consumer rights and have caused me actual damages due to being denied credit. Disputes or the reinvestigations were sent on XX/XX/2023 also on XX/XX/2023 and on XX/XX/2023 you are in clear violation of 15 USC 1681a 2 ( A ) ( i ) also in violation of 15 USC 1681 Violation for willful non compliant As well as 15USC 1681n Civil liability for willful noncompliance

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 2023-09-18
Company: Southwest Business Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account fell into default due to the covid-19 pandemic. As part of the relief I had requested a loan modification. The loan modification was granted pending three trial payments. As part of this agreement no late action penalties would be taken against my account, including late reporting or foreclosures, or late fees etc. The payments were set to begin XX/XX/XXXX for three months, at which point my mortgage would be refinanced into a forty year note at reduced payments. SWBC informed me via telephone that I would have a grace period for these payments, and that as long as I made them in the month it would be valid. My payday was XX/XX/XXXX and I made the payment the same day. It posted, and cleared, and is attached. On XX/XX/XXXX I was reported as 167 days late ( from 0 ) causing a massive crush in my credit score and potentially jeopardizing the agreement. I want to emphasize in absolutely no uncertain terms that SWBC told me that even though the paper said XX/XX/XXXX was the deadline, that if I made it on XX/XX/XXXX it would not be an issue. Payment receipts attached.

Company response to consumer: Closed with explanation