BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
TD AUTO FINANCE, has made it impossible for me to pay XXXX the options to do online have been disabled they are charging me fees not letting me use my bank or business account I try to call and =the hold times are over 2 hours and then they hang up they are threatening me on payment buytif I cant go online icant get f=diferment either its a company account any way please help all I want to do is pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: IL
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 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 XXXX  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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX 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 im XXXX now.with no help.

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 2023-10-11
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was notified in XXXX that ALL of my loans would be discharged through the Borrower 's Defense program ( see attachment ). I am a graduate of XXXX. I decided to check on the progress of this discharge and noticed that my loans had doubled in cost on NelNet 's site. They appeared normal ( my pre-discharge amount ) on the XXXX site. That was about XXXX weeks ago. I called the XXXX people to ask if my loans were still going to be discharged and was told " yes '' by the representative. She did advise that it would take time ( up until XX/XX/XXXX ) for the loan discharge to fully be processed. I hung up satisfied with that information. Well, I logged onto XXXX yesterday to once again check for progress and now it is saying that I have 14 defaulted loans and 2 consolidated loans! Shocked and upset, I called XXXX who informed me that Nelnet had not sent them updated information on my loans. I only have 2 consolidated loans so it looks like Nelnet unbundled them from my previously consolidated loans. My loans have been consolidated for YEARS. So, now I have two consolidated loans ( totaling {$83000.00} ) and XXXX individual loans ( unbundled ) loans that have somehow been in default since XXXX. This is untrue because my loans have been in COVID forbearance since XXXX up until XXXX. The XXXX XXXX told me to call the XXXX XXXX XXXX XXXX and I did only to be told once again that Nelnet either made a mistake on my account or has not updated my information but they could see that my loan is in FORBEARANCE and processing a discharge. When I spoke to the Nelnet XXXX she also confirmed that my loans were in FOREBEARANCE and that I did not OWE anything. It's the same thing the XXXX XXXX hotline people told me. Yet, if you go onto the XXXX website it says I have XXXX defaulted loans and that my total is {$140000.00} ( from the two consolidated loans and the unbundled individual loans that make up the consolidated loans! So they are basically saying I owe DOUBLE what I had. They are trying to double-charge me for the loans. I have never missed a payment and I definitely do not OWE {$140.00}, XXXX on my TWO loans. Something seems shady here. I have spent my whole workday on the phone trying to get this all straightened out only to be given the runaround and for XXXX and Nelnet to play the blame game. I just want both XXXX and Nelnet to display the same statuses. I get that I do not owe anything until XXXX ( Admin Forbearance ) while they process my discharge but the unbundling of my loans, the double charges, and the default loan status do not sit well with me. I want it fixed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-10-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, we were wire fraud ( for a purchase of a home in XXXX, ID ) that resulted in the loss of {$470000.00} in cash from our USAA Bank account. The wire fraud happened via " fake emails '' from the realtor and escrow title office. We were emailed with wire instructions from what looked like legit title companies emails and paperwork. The emails and Wire instructions had the correct address, company name, logo, everything. 

We were not notified of the wire fraud until XX/XX/XXXX, when the escrow XXXX noticed I had emailed and sent text messages regarding the wire of the money she didn't ask me to send. This was also alarming since I had been texting her the whole time but she didn't catch that someone was hacking her or pretending to be her via email and asking us to send our money before the sell of the home. 

We immediately contacted the police, our bank ( USAA ) and our realtor about the situation. The XXXX XXXX XXXX XXXX department in XXXX, ID compiled all of the information that they could and sent it to the FBI for further investigation. The sheriff who took our case said that he was able to find the money as it had been broken down into different amounts sent to XXXX, XXXX XXXX and cashiers checks. 

We worked with our bank 's investigation team to recall as much of the money as we could and try to get back anything that was taken from us. 

In XXXX of XXXX, USAA 's investigation office called us to let us know that XXXX ( the bank where the original wire was sent ) was able to get back {$280000.00} of our money and they would deposit the funds once they received the credit from XXXX. When this situation happened we were told that they had located {$440000.00} of the missing money but we still do not know where the other {$180000.00} is. 

On XX/XX/XXXX, the money was deposited into our account. At this time, USAA, XXXX Bank, the FBI and the XXXX XXXX XXXX department are still working on this investigation and trying to get back the remaining money that was ours. 

In XXXX of XXXX, we asked for information from USAA and their investigative team since they were the bank who was reaching out to the other banks involved in the situation. We were told by USAA via a letter that they would not give us any documentation without a subpeona and that they will not longer be assisting in the investigation to get our money back. At this time, we are still missing money that USAA and XXXX said was tracked down and waiting to be deposited back into our account. 

Any help or information would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, 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'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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
sonal Statement All My Passwords, Username, Banks Information, SSN, ID Information Are In My Note On My Phone. someone hacked inside my phone to access these accounts. I had Multiple accounts open in my name, Im still TO THIS DAY getting out my name.

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 2023-10-11
Company: Nelnet, Inc.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My student loan provider recently changed to Nelnet. I created an account months ago when it first changed, and now I do not have access to my account and the password reset does not work. 
I have repeatedly contact Nelnet over the phone and via email for the last two weeks in an attempt to gain access to my account. The call wait time is always over 80 mins or more. Even after waiting for that long no one picks up. 
I have sent them screenshots and a description of the issue. I have not received any response. 
My payment will be late soon and it will negatively affect my credit. 
This is not fair to me. I never miss a payment and never had a problem with my previous provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
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 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 explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: AL
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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 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 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 2022-05-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, My problem today is with my mortgage company " Penny Mac '' back on XX/XX/2022 I received a call from my insurance agency saying that it was brought to their attention, 4 days before my " policy '' expired, that I have NOT had home owners insurance for the past year due to non payment. What seems to have happened is that penny mac sent a check to my current insurer XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1300.00} on XXXX but nobody knows where it was sent or if it was cashed. I received a binder that was supposed to be valid from XXXX to XXXX and even managed to refinance my loan in XX/XX/2022 with a GHOST POLICY I guess! I have tried many times with Penny mac to find out where this check went and if it was cashed. It has been almost two months now. Somebody owes me {$1300.00} dollars and I am looking for help finding who is responsible. I've already contacted the department of business regulation for insurance and they referred me to you saying that it seems like this would be on my mortgage company. I would greatly appreciate any help! Thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX {$900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I contacted these bureaus on XX/XX/2021 & XX/XX/2021 and have not heard anything from any of them. They are blantaly ignoring me and its causing me distress. They are violating federal laws and my consumer rights! 
FCRA 15 USC 1681 states the consumer reports can NOT include any of the following 1. Credit transactions arising from my credit card. ( My credit card is my social security card according to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be EXCLUDED from a consumer report. The definition of a credit card under 15 USC 1681 means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice CONGRESS said ANY card, The credit card is my social security card. I used this credit card to originate every consumer credit transaction listed below. 

2. Any factual information Any credit transaction between you and the consumer and them in person. 
Due to the fact that you have this information on my consumer report you owe me money pursuant to 15 USC 1681n. 
I demand that all of the accounts listed below be deleted from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
I am the consumer and I have a right to privacy. Selling and sharing of my information without my written consent is identity theft. 
You cant furnish factual information. You cant furnish anything that is a result of a transaction that arose from the credit card. 
Pursuant to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies which is you ASSUMED this role and it was not given to you! 
Pursuant to 15 USC 1681b ( 2 ) you have to have my written instruction to even furnish the report in the first place. Did I give you permission? NO I DID NOT! So you are in violation again. 
If I did give you permission to furnish the report, have the senior executive create an affidavit to me. Have it notarized by senior executive saying I granted you permission to furnish the report. 

I DEMAND YOU DELETE ALL THE ACCOUNTS LISTED BELOW PURSUANT TO 1681B BECAUSE I DIDNT GIVE YOU PERMISSION TO FURNISH THE REPORTS!!

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 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX Inq  date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX and TransUnion and have noted following discrepancies above.

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 2023-01-27
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 have asked nicely 2 times now for Experian to remove XXXX accounts that are not mine. They belong to another XXXX XXXX XXXX is COMPLETELY different. His is XXXX and mine is XXXX. Each time they come back account is reporting correctly. No it's not. It's reporting on his report and on mine as well. I am not a co signer or authorized user on either of these accounts. So, why cant Experian listen to me and do a request to verify using the social. Just using identifiers like my name which is common will not solve the problem with mixed files. 

I have sent all the documentation to XXXX XXXX. They sent back a letter saying they think " someone other than me or a company filed the report '' and they therefore didnt bother with my investigation. They were given a typed letter, my drivers license, social security card, and a utility bill. How much more do they need to do their job. Now another XXXX days has passed since they ignored my request. Attached is their letter.

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