BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
Subject : Violation of 15 USC 6802, 15 USC 1681b, 18 USC 1028a, 15 USC 6801 15 USC 1611, 18 USC 241 Dear Sir/Madam, I am writing to bring to your attention what appears to be a serious violation of various federal laws pertaining to consumer privacy and identity theft. As a concerned individual, I repeatedly discover that you have included unauthorized transactions ( late payments & charge off ) and experiences ( hard inquiries ) in my consumer report, despite never having provided written permission for such reporting. This activity not only breaches my privacy rights but also raises significant concerns about the security of my personal information. 

According to the federal laws governing consumer privacy and identity theft, namely 15 USC 6802, 15 USC 1681b, 18 USC 1028a, and 15 USC 6801, you are required to ensure that consumer reports only contain information for which proper authorization has been obtained. This includes obtaining explicit written permission from the consumer before reporting any transactions and experiences related to their credit history and financial interactions. 

I must emphasize that I have not granted any written authorization to include these transactions and experiences in my consumer report. As such, their inclusion represents a clear violation of the aforementioned federal laws. I am particularly concerned that this unauthorized reporting is a form of identity theft, as my personal and financial information should remain private and secure. 

I kindly request that you promptly reinvestigate this matter and provide a detailed explanation for the inclusion of unauthorized information in my consumer report. Additionally, I expect you to take immediate action to remove all such unauthorized adverse information and rectify any inaccuracies in my credit history. 

Please be advised that I am prepared to take legal action if this matter is not adequately addressed within a reasonable timeframe. I believe it is essential to protect the privacy and security of all consumers and ensure that your organization complies fully with the laws in place to safeguard our personal information. 

I look forward to your prompt response and a resolution to this matter. Please acknowledge receipt of this letter and provide me with a timeline for your investigation and actions. 

Thank you for your attention to this critical issue. 

Sincerely, 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 2023-07-07
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Of the year between XXXX, my wife and I took out a personal loan with Republic Finance LLC . My wife became deceased in XX/XX/XXXX and I and my daughters were making payments to Republic Finance then I had a XXXX in XX/XX/XXXX and was not working, but my daughters were still making payments. I received a letter XX/XX/XXXX mark dated XX/XX/XXXX, from XXXX, XXXX & XXXX XXXX stating there was a judgment placed on XX/XX/XXXX, in favor of Republic Finance L.L.C. I was not even aware of a court date due to having XXXX XXXX XXXX in XX/XX/XXXX and never received a notice to appear for said court date. On XX/XX/XXXX, I reached out to XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. requesting the report of the delivery notice to appear for the court date and the contract between the firm and Republic as I do not give consent for my information to be transferred to a third party. They have not responded even though stating I only had 5 days to respond while taking two of those days for mailing. I also contacted the XXXX XXXX branch of Republic Finance on XXXX XXXX XXXX request that I receive my loan agreement and initial was told that a manager would have to be reached or I would have to get it from the attorney, which I requested to speak to the manager because my loan agreement should be delivered upon request as it contains my name and my social security number. I was finally told I can pick on my agreement on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I currently have 4 separate student loans that I have been paying on for years with nelnet, XXXX, XXXX XXXX and XXXX XXXX XXXX, they are both federal and private, I am drowning in student loan debt, when I graduated 4 years ago with my XXXX in XXXX I owed approximately {$160000.00} in student loan debt, I have been paying approximately {$1000.00} a month since XX/XX/XXXX and my payments just went up again, meanwhile I still owe {$160000.00} in student loans, my balance does not appear to be going down but actually going up, I have other monthly expenses such as a mortgage, car, utilities etc that I am now having a hard time paying, I had to file a chapter XXXX back in XX/XX/XXXX, I work full time as a XXXX  and make a decent salary but these student loans are killing me and I can't get ahead, I was divorced recently so my filing status changed to single, I am on an income driven repayment plan with nelnet and when I submitted my renewal application with my new single filing status my payment went from {$270.00} a month to now {$370.00} a month starting in XX/XX/XXXX, my payment with XXXX XXXX XXXX just increased from {$470.00} a month to {$490.00} a month due to interest rate increase, XXXX XXXX increased from {$110.00} a month to {$110.00} from interest rate increase, and I am now waiting to see if my payment with XXXX of {$220.00} a month is going to increase as well, I have tried desperately to get these amounts lowered, but all 4 companies said there is nothing more they can do, I am ineligible for forbearance or deferment as I have exhausted all of that, my ex spouse is a cosigner on most of these loans and if something happens to me and I can't pay them, they will go after him. I need some help here, this is no way for a person who is educated and works so hard to throw money out the window to these lenders every month and not see a light at the end of the tunnel, nelnet said my loan would be forgiven in 25 years ... .in 25 years, I will be XXXX years old, these lenders only look at your income, they don't factor in your other monthly expenses, and they don't seem to care, even with a chapter XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Truist has repeatedly sent me letters falsely stating that my mortgage is not being paid on time. I pay my mortgage on the XXXX of every month, which is within the grace period. I have been doing this every single month for nearly 13 years and have never once been late. When BB & T owned my mortgage, I never received a single letter like this. Yet, I have started receiving these letters from Truist, which are always dated the XXXX of every month, falsely stating that the bank has not received my mortgage payment. These letters threaten interest and late charges and state that they are an attempt to collect a debt. 

I called Truist about this over the summer ( 2022 ) and informed them of this problem and that I, in fact, have never missed a single payment. They told me it would be fixed, and for a while it was. Then I began receiving these letters again. 

These letters are false, upsetting, annoying, and potentially defamatory ( if they are being published to a third party ). My concern is that Truist is going to either intentionally or unintentionally report this inaccurate information to the credit bureaus, damaging my credit. If this happens I will take aggressive legal action against the bank. 

Truist can easily check my records to see that these letters are falsely accusing me of not paying my mortgage on time. This is, therefore, an easily correctable problem. I want Truist to stop sending me false statements that I am not paying my mortgage and to please update their system to stop sending me these letters. 

Truist needs to stop automatically sending mortgage customers late notices on the last day of the grace period, since a payment can still validly and timely be made on that date. In other words, they need to wait until at least the XXXX of each month to send these. 

I dispute any statement from Truist that I have been late with any of my mortgage payments.

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 2016-07-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and cannot verify these accounts, under Section 611 (5)(A) of the FCRA - they are required to "...promptly delete all information which cannot be verified" that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
This is my Second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion Chapter XXXX bankruptcy discharged Filed Date : XX/XX/XXXX Reference Number : XXXXXXXX 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account # listed below TransUnion, 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 XXXX XXXX XXXX XXXX Account XXXX : XXXX Last Updated Date : XX/XX/2022 Amount : {$3400.00} XXXX  XXXX last Updated Date : XX/XX/2022 Account Number : XXXX Amount : {$470.00} XXXX XXXX Date : XX/XX/2022 Account number : # XXXX Amount : {$56.00} XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 Account Number : XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Account Number : XXXX Amount : {$660.00} ______________________________

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 non-monetary relief
Consumer complaint received 2022-12-27
Company: CITIBANK, N.A.
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
About a month ago, I made a transfer through XXXX from my Citibank checking account to another one of my accounts. I believe this prompted a security alert that has made it impossible for me to access my account. I have tried to verify myself with Citibank by providing my bank balance, my social security number, the last four digits of my checking account, the reference number on a letter sent to me by Citi, and my card PIN. I believe the problem stems from that my phone number has changed and they can not verify me to that old phone number. I recently XXXX XXXX XXXX XXXX XXXX, and when I did, I called Citi to have my phone number changed to my new number. However, Citi told me it was impossible to change to a non-US number and assured me it would not be a problem to keep my old number associated with my account, even though I didn't have access to it anymore. 

Citibank has my life savings and has not let me access it for over a month. I just want my money at this point. 

Barring one office for corporate clients, there is no Citibank in the country where I am living ( I have tried to approach their corporate office and they rejected seeing me ). And even though I am back in the US for the holidays, the closest Citibank is a long plane ride away. I just want my money. PLEASE 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 explanation
Consumer complaint received 2019-01-07
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient has been attempting to contact me. They have an accurate phone number, email address and physical address. Today, XX/XX/2019, they opted to contact my fiance. At this time, he is NOT listed on any of my accounts, his phone number is NOT listed as any of my contact information and NO ONE is authorized to speak to him about my personal finances. This is a huge breach on the part of Navient as they have now shared personal information to someone who is NOT authorized to receive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: U.S. BANCORP
State: IL
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have 5 Visa gift cards issued by US Bank that were purchased from Kroger that are now almost impossible to use. Transactions are declined at normal stores like XXXX and Kroger. This was not the case in the past. They seem to have added rules about how the cards can be spent that are not disclosed, and which may have been designed to increase the likelihood that the funds are never spent at all. Additionally, the XXXX  website does not work, so I can not register the cards to be used online. It accepts my input of card number and security code, but then does not load a page for the card 's information. This may also have been by design to limit use of the card. 

These cards are so problematic, they have been completely removed from store shelves in my area and are no longer for sale. 

The purchase restrictions may not be compliant with the CARD 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 2023-08-03
Company: Experian Information Solutions Inc.
State: MO
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/2023 I requested the XXXX XXXX, Experian and XXXX, credit reporting to review my file on XXXX XXXX XXXX loans. 

XX/XX/2023 XXXX provided their response below : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. 

XXXX nor Experian has not deleted these incorrect items on my credit report file.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 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 2023-12-16
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans are through Nelnet. I have a large federal loan, and one smaller private loan. I make payments larger than the accrued interest, yet a portion of the interest remains. I do not have an understanding of how payments are dispersed. The website does not present information in such a way that an ordinary person can understand it. Even my wife, who has a degree in XXXX, does not understand. 

My interest has just about doubled over the last week, even though I am making consistent payments monthly. 

There is literally no provision on the Nelnet.com website where a person can designate that their payment satisfies the interest, or designate a specific dollar amount to the principle. 

I wish to keep my interest down, yet it continues to grow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: Block, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Background : I have been a loyal customer of Cash App since XXXX. I have used the service for paying and receiving funds from family and friends. 
Early XX/XX/XXXX, I used the service to transfer crypto payments locally and internationally. 

The issues : 1- some of my XXXX payments in XXXX and XXXX were unknowingly and unfortunately to website scammers that resulted in loosing my funds 2- it seems that Cash App knows about those websites and didnt warn me to not pay 3- late XX/XX/XXXX Cash App suddenly closed my account without notifying me 4- on early XXXX, I tried to use the app and digitally was told that my account was closed 5- I contacted customer service 4 times to ask for a reason to close my account and was told that they will email me of the resolution 6- however I havent received a single email or an answer to my account closure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: GA
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. 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 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 has violated my rights. Or list of inquiries 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 explanation