BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-28
Company: Nelnet, Inc.
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I made two payments fairly close together. They are refusing to recognize the second payment and say that it is still due, no one has since tried to assist. I have sent them proof of payment and relevant reference numbers and no one is responding to me. 

1. I made two payments ( {$400.00} each ) which cleared on the XXXX of XXXX and the XXXX of XXXX. 

2. On XX/XX/XXXX they deducted the first payment but are still to date not acknowledging to the second payment. 

3. I have emailed three times and received a response ONCE on the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am being called by XXXX XXXX, who's original creditor they work for is Synchrony Bank. This collection agency " XXXX XXXX '' is the definition of harassment. I am being contacted 3 - 5 times per day, at all hours of the day. You can not reliably block their IP phones because if you block a number, they simply modify the number from their set list and contact you again. 

I have asked many times for them to quit contacting me as I am already debating litigation against the original doctor that the quarrel/financing is about. If they wish to pursue legal action, I encourage them to do so, but I will not tolerate being called all the time, every day, by spoofed numbers. I would very much like to request consumer finance to help me look into this on behalf of myself and my family residence. Not everyone can immediately pay things that another entity claims they are owed, especially when litigation may be potentially involved. This does not mean we should have to deal with harassment every day, either. It's just the way of the world.

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 2019-11-21
Company: LEXISNEXIS
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:
In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, NV XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Park Hill Holdings
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An apartment complex, XXXX at XXXX in Texas, XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX used the tenant/rental screening service Safe Rent Solutions to determine eligibility for lease approval. In their report Safe Rent advised XXXX to DENY the application based on the credit score they claim to have received from the reporting agencies. The score Safe Rent Solutions claimed returned to them was XXXX which was below the threshold of a minimum of 460 to be approved. By my actual credit score was XXXX at the time. This false report caused me to be denied a lease on my own credit and was used to force me to bring on a pre approved cosigner with an agreement already established with XXXX, whom I had to pay an additional {$3000.00} for the service, just to get into the apartment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/XXXX, I noticed my TransUnion ( TU ) credit score had dropped XXXX points. The reason was, " Account Removed. XXXX XXXX  account removed from your file. Between XXXX XXXX, XXXX and XX/XX/XXXX, your credit card account with XXXX XXXX was removed from your credit report. Closed accounts are usually removed from your report after XXXX years. Once they're removed, the account details will no longer affect your credit score. '' I have never had a XXXX XXXX. I called the number associated with XXXX XXXX  in XXXX, UT. They searched and said they could find nothing on me. I called TU and XXXX weeks later after countless hours on the phone, sitting on hold for hours, being hung up on or disconnected, RUDE employees, dealing with reps who can barely speak XXXX, reps you can't hear due to barking dogs and loud TVs, reps who put you back in the que rather than transfer you, hearing " your call is very important to us, due to unusually high call volume ... '' ad nauseam, much frustration and many tears shed ... I could go on and on... I am requesting your assistance. These people are impossible/difficult to deal with. They are flippant, argumentative, and condescending. On XXXX XXXX  in the Special Handling Dept investigated and said " The XXXX account does not belong to you & was already removed in XXXX It's a system error on TU 's side. '' He submitted a repair ticket to the maintenance team and said they had XXXX business days to get it corrected. The acct was opened on XX/XX/XXXX when I was in the hospital from XXXX thru XXXX. On XX/XX/XXXX, I received a copy of my credit report from TU. I know XXXX is not on my report. This is my entire point. I have spent HOURS trying to get this resolved & no one will help me. I was simply told " maintenance was completed on XX/XX/XXXX '' but they can not add the XXXX points back because it was probably XXXX of the XXXX factors that determine credit scores that lowered my score. XXXX only reports to TU ; none of my other scores were lowered. My credit score with XXXX is XXXX and my score with XXXX is XXXX ; TU dropped me from XXXX to XXXX. No matter how hard I tried to get this resolved, employees were dismissive and absolutely do not care. I think by seeing my credit scores, you will see I am very conscientious re : my finances and XXXXredit score.

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 2023-06-09
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score.

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 2021-09-28
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I sent a dispute letter along with a letter from the courts certified mail to dispute a bankruptcy on my credit report with XXXX, Equifax, and XXXX stating that the courts does not report any information to credit bureaus and is not responsible for verifying or validating information from consumers credit files. XXXX along with Equifax sent me a email stating the information was Valid! It will remain until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly. I have attached supporting documents for your reference.

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 2021-09-28
Company: Activehours
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I Have been with this company for the better part of 3 years. In that time I have been mistreated Half a dozen times. Most recently On XX/XX/23 The company attempted to debit an amount that I had cashed out the previous payday. Like always I made sure that my bank account was able to cover the cashout I always keep enough in my account to cover my debts and all autopays that's all I use that account for so there are never any unexpected withdraws. This is a process im very familiar with and that I expect every payday. I get paid the same every payday so there's no chance I didn't have enough to support a {$500.00} withdraw. However the company insists that in an attempt to collect the amount their system was unable to withdraw the full amount. This is something I understand. Systems malfunction. I offered to pay the remaining amount to keep my payday allowance high ( {$500.00} ). I was told by one associate that I had to pay the remainder and I'd have to do so by contacting a specialist. However he couldn't connect me to a specialist I had to leave the chat and come back in to request one. Only to be told there are no specialist. The next rep I talked to told me there no way to submit a payment that I had to wait till my next payday and my payday allowance would be subject to review. Mind you I've done nothing wrong. Their systems inaccurately collected my debits and there are no systems in place to rectify an error that was made by their network.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2018-12-11
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
AMERICAN EXPRESS APPARENTLY ENGAGES IN BAIT AND SWITCH PRACTICES WHEN ISSUING CREDIT CARDS. I APPLIED FOR AN AMERICAN EXPRESS PLATINUM CARD AND RECEIVED AN EMAIL NOTICE THAT A DELTA SKY MILES CARD WAS BEING SENT TO ME. I CALLED AND SAID I DID NOT WANT A DELTA SKY MILES CARD AND INSTRUCTED THEM TO TAKE ME OUT OF THEIR SYSTEM AND TO NOT ISSUE A SKY MILES CARD. THEY INSISTED THEY COULD NOT TAKE ME OUT OF THEIR SYSTEM. I FIRST SPOKE TO SOMEONE NAMED XXXX I THINK. SHE TOLD ME I WOULD HAVE TO WAIT UNTIL THE CARD WAS ISSUED AND THEN CALL TOMORROW TO CANCEL IT. I TOLD HER THAT WAS NOT ACCEPTABLE, THAT I SHOULD NOT HAVE TO CANCEL A CARD THAT I NEVER APPLIED FOR, THAT IT WAS ILLEGAL FOR A COMPANY TO ISSUE A CARD THAT WASNT APPLIED FOR. I SAID I WANTED TO SPEAK TO A SUPERVISOR. SHE SAID I COULD NOT BUT FINALLY SENT ME TO SOMEONE NAMED XXXX, WHO SAID HE WAS AN ACCOUNT SUPERVISOR, ID # XXXX. HE REPEATED THE SAME STORY AND I TOLD HIM I WANTED TO SPEAK TO THE LEGAL DEPARTMENT. HE SAID WE DO NOT HAVE A LEGAL DEPARTMENT. I SAID I DID NOT BELIEVE THAT. HE SENT ME TO ACCOUNT MANAGER XXXX, ID # XXXX, WHO SAID SHE COULD NOT CONNECT ME TO THE LEGAL DEPARTMENT. I THEN SAID I WANTED TO SPEAK TO THE FRAUD DEPARTMENT AND SHE SENT ME TO A MAN NAMED XXXX, WHO REFUSED TO GIVE ME A FULL NAME AND WHO SAID HE DID NOT HAVE AN ID #. HE SAID I SHOULD TALK TO THE NEW ACCOUNTS FRAUD DEPARTMENT. I ASKED HIM TO TRANSFER ME AND HE SENT MY CALL TO THE MAIN NUMBER WHICH OFFERED THE SAME PROMPTS THAT A NEW CALLER WOULD HAVE TO SELECT FROM. I BELIEVE IT IS FRAUDULENT FOR A COMPANY TO ISSUE YOU A CREDIT CARD YOU DID NOT APPLY FOR. IF IT ISNT IT SHOULD BE. I APPLIED FOR A PLATINUM CARD. IF THEY DID NOT WANT TO GIVE ME ONE THEY SHOULD HAVE JUST TURNED ME DOWN. INSTEAD THEY SAID THEY WERE GOING TO SEND A DELTA SKY MILES CARD WHICH I DIDNT APPLY FOR AND DIDNT WANT, AND THEN SAID THAT I WOULD HAVE TO WAIT UNTIL IT WAS ISSUED AND CANCEL IT, WHICH OF COURSE WOULD AFFECT MY CREDIT RATING. THE EMAIL THAT WAS SENT TO ME HAD A LINK TO LOOK AT THE RESULTS OF MY APPLICATION. WHEN I CLICKED THE LINK IT SAID A DELTA SKY MILES CARD WOULD ARRIVE IN THE NEXT FEW DAYS. IT ALSO NOTED THE PLATINUM CARD APPLICATION HAD BEEN CANCELLED. I WONDER HOW MANY CREDIT CARDS ARE BEING ISSUED THAT PEOPLE HAVE NOT APPLIED FOR, AND I WONDER IF AMERICAN EXPRESS IS DOING THIS BECAUSE IT REALIZES THAT THERE ARE FEW PENALTIES FOR CORPORATIONS THAT ILLEGALLY CREATE CONSUMER ACCOUNTS. XXXX XXXX COMES TO MIND.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I reported a fraudulent charge of {$520.00} that occurred on XX/XX/2023 on my XXXX XXXX Credit Card. I submitted a dispute for this charge via the XXXX website as soon as I noticed it in XXXX. I also reported it by calling customer service and they told me my dispute is under investigation for the next 30-60 business days. I proceeded to call multiple times in XXXX and XXXX to check the status of the dispute, and they continued to tell me the dispute is under investigation and that the charge itself is on-hold and my account would be " on pause ''. Despite this, XXXX continued to charge my account late fees and interest charges. I called back several times in XXXX and XXXX to ask why I am being charged these fees. Furthermore, XXXX fraudulently reported my credit account as delinquent, even though I had an active dispute investigation ongoing. This negatively affected my credit score and my credit line for this account. In XXXX, I called again once I learned of this, and XXXX admitted their mistake and told me I should have been given a credit for the fraudulent charge much earlier. XXXX fraudulently and incorrectly reported my account as delinquent to credit agencies, even though I have a valid dispute of a fraudulent charge ongoing.

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 2021-09-28
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a Discover Credit Card customer since XXXX and I was not receiving any email notifications, calls regarding my past due and payment posted late on my account in XX/XX/XXXX. I was going through hospitalization  from XXXX to XXXX due to my XXXX issue and there was an error in email thats why I havent received any communication to email and I was facing some identity theft issue and I moved to another house and my father XXXX  near to bathroom and he was also in hospital at that time and unfortunately I lost him in XX/XX/XXXX, and there is a gold jewelry robbery in my home of around XXXX $ worth, due to these multiple things going on at that time I was in full XXXX  and I was in impression that I already paid and as soon as I came from hospital I checked the account and paid immediately but they already reported this 30 day late payment in XX/XX/XXXX to all 3 credit bureaus. I contacted creditor multiple times and requested to remove this late payment but they did not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I used my Chase Freedom XXXX Card successfully at a XXXX 's XXXX XXXX XXXX  on XX/XX/XXXX. Since then, on two separate occasions, I have since been unable to use my card there. It gets declined for no valid reason. I have contacted Customer Service several times, I have also contacted Chase Executives, and I have been given every XXXX  excuse and lie in the book regarding this, but the problem remains. They have blamed everyone except themselves, whose fault it is

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: SANTANDER HOLDINGS USA, INC.
State: CO
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:
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is imperative that consumer reporting agencies like XXXX and XXXX operate with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my private information, as outlined in 15 USC 6801. Financial institutions, including furnishers of information to credit agencies, are obligated to protect customer privacy according to Congress ( 15 USC 6802b ( c ) ). 

However, I have not given my consent for XXXX, XXXX, or any furnisher of information to credit agencies to share my data. The law ( XXXX5 USC 1681 section 604a ) states that consumer reporting agencies can furnish a consumer report only with the written instructions of the consumer. I have never provided such consent, verbal, non-verbal, written, or implied. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must inform the consumer about their right to opt out of data disclosure, which the furnisher failed to do in my case. For multiple Accounts Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially if it antedates the report by more than seven years. XXXX and XXXX are violating this provision by reporting adverse items without my permission. 

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is illegal to furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to prevent violations of the law.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of reporting services at any time. Therefore, I am choosing to exercise my right to opt out and revoke any consent given, explicit or otherwise, for XXXX, XXXX, and any furnisher of information to credit agencies to share my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: NC
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: C/C Financial
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am being called at work and personal phone and threatening with court action, the loan installment is paid and up to date. Next payment is due XXXX XXXX

Company response to consumer: Closed with explanation