BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-31
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Tuition Answer Loan # XXXX Tuition Answer Loan # XXXX I have two student loans, originally from Sallie Mae, now Navient. They refuse to release my co-signer after multiple attempts on my part to do what they said is required for that. Initially they told me that my loans could not have any payments that were later than 30 days for a two year period. Having done that, I asked for my co-signer to be released. They then told me that was wrong information and that the payments couldn't be later than 14 days late in a two year period. I went another two years with no payments being later than 14 days and was then told that they still would not release my co-signer. They blamed it on my credit, however would not give me a credit score or any info as to what constitutes " good '' enough credit. When I initially got the loans and he co-signed, they made it sound like it was an easy process to release the co-signer. They actually have no interest in ever releasing him. My son is my co-signer and it is preventing him from purchasing a home because of the debt-to-income ratio my loan is causing. 
This is not the only problem I have had with them. The interest rate on my loans has jumped up to 11.5 % after I consolidated, and that wasn't made clear. They also didn't tell me my options at different times about repayment plans and got me into forebearance instead which added tons to my loan. But, I am not contesting these issue at this time, I just need to have my son removed as co-signer on these loans. 
XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 2020-06-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ALL 3 CREDIT AGENCIES REPORTING FRAUD ACCOUNTS OF MEDICAL SERVICES 3X ON FILE SAME ACCOUNT VIOLATES " FCRA '' SECTION 506A, 605B, 607, 611 AND 623 ( a ) '' NOT MY ACCOUNT '' NEVER DONE BUSINESS WITH COMPANY " XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX and US Department of education account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Before COVID-19 hit CO too hard, my husband and I called our mortgage lender ( US Bank ) to find out if they had any programs in case we ended up needing one. We just wanted to know what our options were and said we would call back if we wanted to pursue one. A few days later we received a letter from US Bank ( dated XX/XX/2020 ) informing us our mortgage had been placed on a forbearance until XXXX and they would be reporting to the Credit Bureaus. We did not consent to this forbearance and did not want it. We immediately called US Bank and asked to be removed. They required that we write them a letter and send it to them ( via email ), which we did ( sent XX/XX/2020 ). They received and processed the letter, yet failed to remove us from the forbearance. We continued to pay our mortgage on time as originally agreed, and had to do so manually as they disabled our auto-pay due to the forbearance status. Thereafter, my credit score dropped 100 points due to a remark on my credit report from US Bank because of this forbearance. After a great deal of hassle, US Bank claims they have removed us from the forbearance and submitted credit corrections. XXXX updated my score ( increased 102 points overnight ), but XXXX did not. ( I do not have quick access to XXXX score ). I have checked again today, XX/XX/XXXX, and my credit score on  XXXX has once again dropped 102 points due to a US Bank Mortgage remark. My husband 's credit has been negatively affected as well. As a result of my credit plummeting due to their carelessness, we have been unable to even consider a refinance ( currently very low rates and wanting to get away from US Bank ),  purchase a new vehicle, or seek any new credit. I am waiting for a comprehensive list of documents and call records from US Bank, which I highly doubt I will receive without your help, or without a subpoena if it comes to that. My husband and I pay very close attention to our accounts and to our credit so we were able to catch this early ( still been going on for months ), but I fear for how many people this has happened to who haven't been paying as close attention and what damage this could do to someone's credit, especially with autopay being disabled and the bank making decisions on behalf of people without their knowledge or consent. Even more upsetting, this is happening at a time when we are all financially vulnerable due to COVID-19. We have no recourse but to hope the bank follows the rules ( which they have already failed to do ), and to seek help from our AG ( complaint filed ) and CFPB.

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 2018-10-26
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a business checking account on the XXXX and on Monday XXXX XXXX, I wasn't able to log in, called a representative and never heard back from them. Saying the account is getting reviewed. I want to get my money back fast. Since I'm still unable to use the account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: EQUIFAX, INC.
State: NJ
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 multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Dear American Express, I recently applied for a credit card ( Ref : XXXX ) with your company and was surprised to receive a request for tax documentation. Upon further investigation, I discovered that not all applicants are being asked for this information. I believe this practice to be in violation of federal laws, and I would like to bring this matter to your attention. 

Under the Equal Credit Opportunity Act ( ECOA ), it is illegal for lenders to discriminate against applicants based on certain protected characteristics, such as race, gender, national origin, or religion. If American Express is requesting tax documentation from some applicants and not others, it raises concerns about potential discrimination. 

Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit card companies use information that is relevant and necessary to evaluate an applicant 's creditworthiness. If tax documentation is not required to assess creditworthiness, then requesting it could be seen as an unnecessary intrusion into an applicant 's personal life. 

I urge American Express to review its policies and ensure that they are in compliance with all applicable federal laws. I would appreciate a response from your company on this matter and any steps that you plan to take to address any potential violations. 

The letter states We need to confirm your total annual income but it in regards to the Request for Tax Transcripts it states if you do not wish to reveal this information, please do not use this option. 

Since the letter states Tax Transcripts are optional, I am sending American Express my most recent paystubs as proof of income. 

Thank you for your attention to this important matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: NJ
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:
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 explanation
Consumer complaint received 2019-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I left XXXX XXXX at XXXX on Thursday XX/XX/XXXX I traveled to XXXX. Before leaving, I called Chase Bank to let them know that I would be gone in XXXX until XX/XX/XXXX, and then I would travel to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, and that I would be back to XXXX XXXX XX/XX/XXXX. The operator made a note on my account and I specified that I was letting them know to avoid having my card blocked as I would really need it. Today is Saturday XX/XX/XXXX and as I was trying to order a pizza, my card didnt go through. I then called the fraud prevention team. They didnt try to ID me, instead they asked me to go to a branch so a banker could ID me and override the lock on my card. I explained to them that I wasnt able to do that because as I explained before I left, I was in a foreign country. I spoke to 4 different people included the international team, none of them asked me for any information to ID me. I then called a banker that notarized a document for me on XX/XX/XXXX, XXXX XXXX of the XXXX beanch, who proceded to make a 3 way call with someone on the phone from Chase. Again, besides asking for my name, no attempt at IDing me was made. When XXXX XXXX asked if there was any record of me calling to advise that I would be gone for 3 months, the agent on the phone said that she wasnt able to give any information from the account while [ I was ] on the phone and that I needed to go to a chase branch. I am now stuck in a foreign country without funds and ways to eat or even survive and Chase wont do anything to help regardless of the fact that I have been a client for 7 years and that I did what I was supposed to on my end. They never asked me for anything else than my name and card number, both of which I was able to provide. I asked them to please try and ID me and they were unable to do so. Please help me I need to be able to use my card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: First Technology Federal Credit Union
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute with my bank ( First Tech Credit Union ) regarding a charge on my credit card and they deemed the transaction as no error was made but the merchant was never received the funds. I explained to my bank that the merchant has confirmed several times that they did not receive their money. I again spoke with my bank as to what happened to the money and they will not give me an answer. They keep repeating to me that the dispute is closed.

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 2023-02-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please update these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Contacted XXXX because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days Department/XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating 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 non-monetary relief
Consumer complaint received 2019-02-02
Company: ACIMA CREDIT, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They are reporting the date of last activity incorrectly and trying to make this look like a recent debt. This collection is over 2 or 3 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2023-07-13
Company: Bread Financial Holdings, Inc.
State: PA
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 # XXXX, Has violated my rights. 
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
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: Investigation took more than 30 days

Complaint:
I have purchased a total of XXXX cars through XXXX XXXX  and I've maintained an impeccable repayment history. In XXXX XXXX XXXX  I was informed that I had a payment that was reported on my credit report that was past due 30 days. This payment was due bi-weekly with a five-day grace period. After the grace period the vehicles are equip with a security system that will shut the vehicle down automatically and my vehicle has never been disabled. I attempted to speak with someone by phone on several occasions and was unsuccessful. I was informed I had to send an email to their dispute department and wait 30 days or more for an answer. I sent the email with my explanation as to why I believed the error was on their end and what it boiled down to was their word against mine. I also asked as a valued customer and as a one time, courtesy could they remove the item from my credit report. They responded over 30 days later that by law they had to report it and couldn't remove it. 

I received a notification in XX/XX/2023 that XXXX XXXX was closing all XXXX of their locations until further notice immediately. I received a notice from XXXX XXXX XXXX that my loan has been transferred to them for the collection of my future payments. The Gap insurance, extended warranties etc. that we all purchased no longer exist. All they are responsible for is collecting the payments. XXXX XXXX  has XXXX information to offer concerning XXXX XXXX. The next thing I see is the local news broadcasting reports of consumers that have purchased are complaining about being delinquent with their payments and they weren't. This is when I realized I'm not alone. There is no way to reach XXXX XXXX at this point. They literally informed their inter office staff to complete what they were working on and leave the building.

There are consumers that purchased vehicles within 30 days of the abruptly closing that can not get the required tags for their vehicles. This concerns me because I am close to paying my vehicle off and if XXXX XXXX  can't get their required tags, how will I get my title?

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 2023-02-16
Company: EQUIFAX, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Exeter Finance Corp.
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Exeter was gracious enough to honor me with a loan on a vehicle. Which I repaid the guester in kind with making on time payments. Every single month. The car got totalled in XX/XX/2023. I spoke with insurance and Exeter in regards to process of handling the claim from both insurance and banking ends. As you see from Exeters own accounting I was never late on a payment. In XX/XX/2023 my insurance company paid 99 % of my loan off and on XX/XX/XXXX I paid the remainder of balance of {$410.00} to bring the account PIF. I paid in full even though Exeter offered me a lesser paid off amount but it would show on my credit report as " Setted for less amount ''. And I didn't want that. Exeter has reported to the credit agencies that I was late in the month of XX/XX/2023. As you see by the attached ledger provided by Exeter I PIF on XX/XX/2023. The information Exeter is providing is false. I do not want Exeter to have the ability to just pick a month they want me to be late in. I worked hard to keep them paid for the length of the loan. No matter where the payments came from I ensured that Exeter was paid. And this is how they treat a faithful customer?

Company response to consumer: Closed with explanation