BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-12
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XX/XX/XXXX should not be reporting me as an authorized user on the XX/XX/XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I have leased a Nissan XXXX vehicle acct # XXXX with Nissan and automatic payments being withdrawn from my account for 3 years. I have been down with covid only to awake and find my credit score took a hit from Nissan because my lease was apparently up in XXXX. and they stopped withdrawing payments from my bank account on there own without any phone calls to me or receiving and documents informing me as to lease ending. I did not stop paying them, they stopped withdrawing 's of auto payments on there own, and as in many leases with Nissan in the past 15 years with other leases they continued taking payments and extending lease for few months never with any issue. i want my credit standing to be resolved as it was there issue stopping in pulling payments and not mine, when i asked why there was never any phone calls they responded with they don't have time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My mortgage was assumed by XXXX XXXX on or around XX/XX/XXXX. I called XXXX XXXX on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. XXXX XXXX continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX reversed 3 mortgage payments without notice to me. Furthermore, XXXX XXXX failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, XXXX XXXX reported me to XXXX and Transunion as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of XXXX XXXX 's unauthorized reversal of my payments without notice to me, as well as XXXX XXXX 's failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. XXXX XXXX responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information XXXX and Transunion used to verify XXXX XXXX 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by XXXX XXXX was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from XXXX XXXX, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding XXXX XXXX 's fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.

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 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I won't tolerate your attempt to dismiss my identity theft claim as an error or a misrepresentation of material fact. WHO ON EARTH GRANTED YOU THE AUTHORITY TO DETERMINE WHAT CONSTITUTES A MATERIAL FACT? YOU'RE NOT A JUDGE, A JURY, OR IN ANY POSITION TO MAKE SUCH JUDGMENTS! YOU HAVE ABSOLUTELY NO RIGHT. I can not fathom how my pleas for help have been met with indifference and stony silence. The anguish and turmoil I have endured due to identity theft is overwhelming, and your bureau 's unconscionable neglect has exacerbated my suffering. I demand that you immediately acknowledge and investigate my identity theft disputes. Your reluctance to do so is incomprehensible and infuriating. My rights as a consumer have been egregiously violated, and I demand justice. This is the account that I'm disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete this account immediately.

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 2021-01-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have tried 3 times to get Experian Credit Bureau to remove my old names and addresses and businesses that were operating out of those addresses at that time. I no longer live at those addresses nor are the businesses operating anymore since I have retired. The FCRA compliance says if the United States postal service can no longer deliver mail to me or my businesses, Posting this information on my credit report would be false, misleading, and more importantly inaccurate. The credit bureau is not allowed to report inaccurate information on my credit report. They are very reluctant to remove this information. I sent a request for removal on XX/XX/2020/ XX/XX/2020/ XX/XX/2020 no removals as yet. ( document provided ) They also mare reluctant to remove some Hard Hits all made within a 5 day period for the same reason done to 1. ( document provided Thank You XXXX XXXX. SSN : 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 2022-04-25
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient has contacted me on several occasions about 'special programs ' they have to help reduce private loan debt faster. I have applied for 2 different programs, one in XXXX of XXXX, in which I made 20 payments at $ XXXXmonth to a company called XXXX XXXX ( supposedly an affiliate of Navient ), and another I enrolled in for a loan for the amount of {$5500.00} in XXXX of XXXX. I paid Navient $ XXXX/month from XXXX XXXX XXXX. The company ( Navient ) then asked me to 'reenroll ' for the program because they had to assess my income again. I went through the process, then started receiving debt collector calls the month after from Navient, stating my loans are now in arrears. 
Original loan amount # 1 : {$5500.00} Today 's loan amount : {$17000.00} Original loan amount # 2 : {$2800.00} Today 's loan amount : {$7100.00} Original loan amount # 3 : XXXX Today 's loan amount : {$6100.00} Clearly Navient is making it impossible to pay off any loan, even the small ones. No one can explain why the amount keeps rising, even as I make payments. These are private loans that I am requesting be absolved, as they are clearly unable to work with consumers, unwilling to assist during financial difficulty, and unable to clearly explain why to ANY question asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The account in question is reporting different on all three credit Bureaus. The information is inaccurate and the debt has been reporting for 7+ years and causing me to not receive credit approvals. I am stuck with denial after denial.

Account ( s ) in question are : XXXX XXXX XXXX XXXX - Closed - Debt Charged of and then I paid Debt Settled to delete. Never happened. 
XXXX Acct # XXXX XXXX Acct # XXXX XXXXXXXX ( Date of First Delinquency XX/XX/2016 ) still reporting negative and preventing me from getting new credit. 

Experian # XXXX- Still reporting negative to date. 


XXXX XXXX XXXX - Closed - Debt Charged off and then I Paid to settle debt owed and was lied to by rep that it would be a pay to delete. After payment never deleted and now XXXX doesn't do paid for delete. 

This should be illegal get money or tax write off for charge off, lie about settlement pay to delete and the credit bureaus are still reporting negative information.

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 2022-10-27
Company: Experian Information Solutions 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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian, XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.

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 2023-10-02
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continues to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account below : 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 2023-04-18
Company: Mr. Cooper Group Inc.
State: LA
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:
My mortgage was assumed by Mr. Cooper on or around XX/XX/XXXX. I called Mr. Cooper on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. Mr. Cooper continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, Mr. Cooper reversed 3 mortgage payments without notice to me. Furthermore, Mr. Cooper failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, Mr. Cooper reported me to XXXX and XXXX as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of Mr. Cooper 's unauthorized reversal of my payments without notice to me, as well as Mr. Cooper 's failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. Mr. Cooper responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information XXXX and XXXX used to verify Mr. Cooper 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by Mr. Cooper was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from Mr. Cooper, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding Mr. Cooper 's fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. These accounts has been reporting inaccurately.

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 2021-04-08
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In response to CFPB complaint XXXX XXXX  XXXX XXXX  a debt buyer, has again resorted to false and deceptive practices in connection with collecting an alleged debt purchased from CITI Bank N. A. which is a direct violation of 15 U.S.C 1692e specifically 807 ( 2 ) ( A ). XXXX XXXX XXXX has been contacted by certified mail and have not once provided the information proving I am contracted to pay them an alleged debt of {$840.00}. AGAIN pursuant 15 U.S.C. 1692 ( c ) ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except : 1. to advise the consumer that the debt collectors further efforts are being terminated ; 2. to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or 3. where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. XXXX XXXX XXXX has complied with none of this statute. The attached correspondence sent with their CFPB response from CITI Bank was a document from the original creditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to XXXX XXXX XXXX. AGAIN, under 15 U.S.C. 1681 is the same as it is under 15 U.S.C. 1602 ( I ) which is the term credit card 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. This is the credit card I use to originate the consumer credit transaction with CITI BANK N.A. CITI BANK N.A. gained a loan under my name and borrowed against my open end credit plan using my SS card. Once again I do not owe any alleged debt to XX/XX/XXXXor CITI BANK N.A. XXXX XXXX XXXX was NOT given consent to collect, sell or transfer any of this information or alleged debt by me the consumer. XXXX XXXX XXXX continues to knowingly and willfully violate my rights as a federally protected consumer. Once again XXXX XXXX XXXX debt claims are refuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been working with this agency, funded by tax payer dollars, since 2011 when I began paying on my student loans. It has been taxing to say the least. There are several ongoing issues that XXXX is unwilling to solve. These are as follows : Six months ( plus ) wait time for paperwork requests, and account questions Lost paperwork Qualifying payments that were once approved are later revoked No follow up after paperwork submission Although I have been diligently paying on my students loans on time and in the full amount requested, I have been met with alleged discrepancies that after two years and countless phone calls, no one at XXXX is able to rectify for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
In Re : Ace Cash Express Online Store I was trying to pay the loan off ( in full ) early to avoid a large interest rate and additional fees. When I tried to pay the loan off on XX/XX/XXXX, the website would not take my payment, nor would the customer service automated line, nor directly with a customer service representative. I was advised by customer service that I would have to go to the branch closest to me to pay the loan amount in full. I advised the customer service representative ( CSR ) that I was out of state and that paying at a local branch was not an option for me. I insisted that the loan be paid over the phone. The CSR said she didnt have the ability to take payment by phone. I called the Ace Cash office closest to where I live ( XXXX ) and that CSR advised he couldnt take my payment either since the loan request was all done online. He advised to go to any branch to make a payment. 

I had to go to a branch to pay the loan off, and even then, the branch said they would not be able to accept my payment. I had to insist that they call a member of management. As a legally XXXX customer, I found it extremely difficult to not only try to pay my loan off early, but to also have to physically go into a branch. I was able to pay the loan off within the 72 hour window, and was still charged for interest that had not yet accrued. When I went to the branch and asked for a copy of my loan docs, the representative said that she was unable to do that. 

I received the loan on XX/XX/XXXX and paid it in full on XX/XX/XXXX

Company response to consumer: Closed with explanation