BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: EQUIFAX, 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:
I sent a letter out on XX/XX/2022 to XXXX, XXXX, and Equifax. However the credit bureaus said the completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talk to. 

How did they complete this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: PA
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 delete the following information my file. The items I need to delete are listed in the report. I am victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commission 's identity theft affidavit. Please delete the items as soon as possible.

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 2023-04-12
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My loanwas paid off in early XXXX, XXXX. Despite my changing my address online, Nissan sent my title to my old address, and it was returned to Nissan. When I contacted the customer service department, the representative updated my address, and I was told I would receive my title within 10 days. I waited 12 days and called again. I was told the title never went out. I was assured it would be expedited, and I would receive it within 10 more days. After 10 days, I called, yet again, and was told it was never sent. As of today, it still has not been sent out. This is over 60 days from payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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:
My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.

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 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022, a freeze was placed on my business account, at the time XXXX was in the account. I agreed to settle the amount of XXXX to be taking from the account, signed the release from the attorney office, to release the freeze from my account, Bank of America has yet to release my account. I also received an email from the attorneys office with the amount of XXXX that was owed, in a settlement agreement. Bank of America placed a hold for XXXX, which is not the amount that was told to them. I spoke with XXXX from XXXX XXXX XXXX the attorney office which placed a freeze, she stated that is not the amount that she called in for, it was XXXX. So I feel Bank of America is placing an illegal hold amount on my account, and has not released my account, after receiving the release from XXXX & XXXX. XXXX sent on XX/XX/2022.

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 monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX Student Loan Servicing XXXX XXXX XXXX I completed the PSLF program and they set my balance to {$0.00}. 
They stopped reporting to the credit bureaus after the balance was paid and are not properly showing my credit history. 

The student loan debt still shows up on all 3 credit reports as an amount due. 
This affects my ability to qualify for credit and loans because they assume I have a payment of 1 % monthly on the original balance before the discharge. 

I received a letter from XXXX dated XXXX XXXX XXXX that the loan balance had been forgiven through some other means besides my 10 years of PSLF payments. 
This forgiveness is stated as effective as of XX/XX/XXXX and here we are in XX/XX/XXXX and the debt is still not paid according to the credit Bureaus. 

I find their actions purposeful harassing and against Fair Credit Reporting. 
And the discharge should be backdated to either XX/XX/XXXX ( or earlier ) or XX/XX/XXXX. 
And they have no place in their online messages system to send them a message. 
Also calling them on the phone is a forever on hold, I have not been able to get anyone on the phone to complain about this issue. 
I did my 10 years of PSLF and still dealing with this kind of corruption!

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 2022-08-16
Company: NAVY FEDERAL CREDIT UNION
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX on XX/XX/2022 i sent a written wire transfer request of {$50000.00} to Navy Federal Credit Union ( " NFCU '' ). 

XXXX on XX/XX/2022 the money to be wired was withdrawn from my account. 

XXXX as of this writting, XX/XX/2022, the money has NOT been received by the receiving institution- XXXX XXXX XXXX XXXX XXXX  XXXX. NFCU has yet to provide any confirmation by the receiving bank. 

XXXX despite DOZENS of calls, emails, messages to NFCU has not returned my money XXXX. XXXX despite DOZENS of calls, emails, messages to NFCU XXXX all that NFCU states is that they are " researching it '', " escalating to supervisor '', etc...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: Paramount GR Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Goodleap has been using fraudulent lending practices. The companies that they partner with, specifically solar loan companies, are using misleading sales tactics to get customers into loans. During the process of applying for our loan, the only information collected was a basic idea of income and a credit check. No pay stubs were acquired and a bait and switch was used during the signing process. We were showed an approval with specific payment details and when we received our final paperwork- the amounts were different. We did not realize this until recently when going through all of our contacts for the solar company and Goodleap. Goodleap was aware that this company was promising customers that they would save hundreds of dollars and become independent from the electrical grid of their electric companies. This was not true- instead customers are left with the same electric bills and now a loan bill for a solar system that does not work. Our home went with a system that was not functioning for 6 months. It was " fixed '' and is again not functioning. We asked Goodleap for help in getting this issue resolved since our solar company shut down/filed bankruptcy. They've " escalated '' this issue twice in 2 weeks and we've still had no one respond to us. In the meantime though- they've been sending harrassing emails to us asking for payment. We are at this point less than 10 days late on our payment. We've made them aware we will not be making payment until this issue is resolved with our system. It is unfair for us to continue to make payments on a system that is not working. Especially when they're aware of the issue. In addition to this- they've used tactics previously of sending people to our home to intimidate us into making payment. The person who showed up said you're past due and we need photos of your system in the event we need to lock them. No legitimate loan company would use tactics like this. They would not send someone in person to intimidate you into making payment- and they would not send 10 emails a day sometimes asking why payment isn't due. Threatening to shut your system off when you're a day late. Customers, including us- know our Holder Law rights. We will seek counsel if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XX/XX/XXXX - We bought a new car and hoped to sell the XXXX XXXX XXXX that we paid off back in XXXX only to find out that Hyundai Motor Finance is still showing as the lienholder on the account. We called Hyundai to have them release the lien and they stated that they would and send over the documents. 

XX/XX/XXXX - Did not receive anything as of yet and we have called them again to no avail. We are trying to sell our car and the fact that we can't even sell it due to the finance company holding it back is unfair to us as we fairly paid it off.

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 2023-05-03
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have positive accounts that are not being reported and I have been continuously trying to get them to correct my scores but they are all reporting a negative and low score. I have information showing that my score should be in the XXXX 's with my continued success of PAYING MY BILLS, I am starting to think that this is all a scam and feel as though I as well as many other American citizens can not believe in this system. I also feel as though this would be a very good topic to start spreading on stoical media as well as a Podcast to answer the American peoples questions regarding their credit. I know several individuals whos credit is very much worse than mine but they all have a better credit score even with all the negative on their reports. that is why I feel it is important for me to get this information out. I do expect for the CFPB to have all 3 credit reporting buraus to correct my score and bring it up to where i know it should be. I have also had Experian report to me XXXXne score but then report another to a financial institution. All 3 were reporting payments not made when payments have been made. Only one has fixed that issue. I have reported incorrect information on my reports to all 3 reporting agencies, they will correct it but then go right back to reporting the incorrect information again with the new quarter. I do not feel as though I can trust that accurate information is being reported or feel that this is ever going to be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: AMERICAN EXPRESS COMPANY
State: TX
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 was given an American Express Virtual Gift Card last year and I have been unable to use this card anywhere, online or in stores. Today, XX/XX/2023, I tried calling the number on the back of the card and this number gives you 4 choices to choose from and I chose all of them and was never given the option to speak with someone. This number would give you recorded information and then hang up. I looked online and received another number, called that one and the gentleman I got on the phone, gave me another phone number that directed me to the same recording as I got when I called the number on the back of the card... This happened twice. No option to speak with anyone. I am able to go online and it shows I activated the card in XX/XX/2023 and it has a balance of {$100.00}, which is what my employer gave me as a gift. I just wanted to know how to use it, because I have tried several times with no success. After reading comments online, I decided to contact someone, because I am going through exactly what others are describing...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MD
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 confidentially under 15USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 



15 U.S.C.1681 Section 602 A. States I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am challenging four different reports of late payment and one report of a " write off '' from XXXX when the loan is current and I've not stopped making payments. 

I'm filing this complaint against XXXX, XXXX AND EXPERIAN XXXX XXXX. Im disputing the WRITE OFF and the two late payments XXXX XXXX and XXXX. I am current with their collections department, XXXX XXXX XXXX, and it is not being reported as such. 

XXXXXXXX XXXX. I'm disputing late payments in XXXX ( XXXX, XXXX, XXXX and XXXX ). XXXX ( XXXX and XXXX ) and. XXXX ( XXXX ). 

XXXX XXXX XXXX. Im disputing XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX XXXX XXXX disputing XXXX ( XXXX, XXXX and XXXX ) and XXXX XXXX. 
XXXX. Im disputing XXXX XXXX and 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

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 2023-10-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following account has fraudulent charges made on them ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief