BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-15
Company: ID Analytics, 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 have a perfect credit score of XXXX with multiple other credit reporting agencies, such as XXXX, XXXX, and XXXX, however SageStream , LLC lists my credit score as XXXX. I have never missed a payment, and I have a suitable and responsible amount of 3 credit lines. According to them, I do not A. ) Have enough debt experience, even though I've had auto loans paid off and never missed a payment on ANYTHING in 7 years. 
B. ) Limited history for consumer at this phone XXXX what?? ) XXXX XXXX XXXX few bank cards, even though I have 3. I'm not a credit card freak, I don't need 20 credit cards. Is 3 REALLY too few? 
D. ) Length of time accounts have been established too short, even though I've had these credit lines FOR YEARS I have noticed similar complaints about this from MANY other consumers, and this disparity of 230 points has costed me a recent automobile loan, which I really needed. I am filing a complaint because SageStream , LLC is incorrectly representing my credit history, and is costing me financially when searching for an automobile loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My son and I have a joint checking account and I previously requested he not be allowed to overdraw the account. He has for a second time overdrawn the account. He was {$12.00} overdrawn and this resulted in over {$70.00} in overdraft fees, he is a minor and my request that any transaction that would result in an overdraft be rejected has not happened. I know he has had previous fees reversed due to this exact situation but this is bank error in not updating the appropriate overdraft opt out preferences. I request all fees related to this overdraft be reversed and the account correctly opted out of paying overdrafts in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: CITIBANK, N.A.
State: MN
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX XXXX on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-08-09
Company: SLM CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Recently ( XX/XX/XXXX ) I received an email message from XXXX XXXX ( a credit profiling website ) notifying me of the fact that a 'hard inquiry ' from Sallie Mae Bank would be falling off of my report, possibly elevating my credit score. I have not conducted any business of any kind involving Sallie Mae Bank, period. Consequently, I proceeded to the website to investigate the erroneous statement further, and to my dismay, determined the message to be affirmative. My report depicts as follows : Sallie Mae Bank XXXX XXXX XXXX XXXX, DE XXXX Inquiry Date : XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with CREDIT ACCEPTANCE CO Opened XX/XX/2016. I have always made my payments on time yet there was a 30-59 days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  and XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX XXXX  ACCOUNT # 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 2023-10-29
Company: Nelnet, Inc.
State: FL
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:
Signed up on Nelnet for auto-payments early on. On XXXX, the first payment of {$530.00} was due. On the XXXX, I checked bank records-nothing removed and no communication from Nelnet indicating problem. I gave it another day, thinking it was taking time to remove from bank. On the XXXX, I checked my bank info I input in autopay on Nelnet and realized I made mistake inputing account info, so I immediately fixed it and placed in my XXXX total due for XXXX. It went through on the XXXX and was taken out of my bank account by XX/XX/XXXX, but Nelnet amount did not indicate this amount. It showed XXXX total due!! Nelnet account showed a {$390.00} past due amount on a XX/XX/XXXX statement totaling XXXX, with no indication of the XXXX paid. Ive been attempting to contact Nelnet everyday during this time, on hold for over XXXX hours before I HAD to hang up to work. I've sent email to Nelnet, where they sent this : " Our records indicate that your auto debit loan payment has been returned because your bank account is closed. Your payment is now past due. In order for auto debit to be reestablished on your account, you will need to complete a new auto debit request. 

To request auto debit again, please log in to your XXXX account and select Manage Automatic Payments from the Payments drop-down menu. Follow the instructions and agree to the terms and conditions. 

Please remit your payment for {$780.00} upon receipt of this notice. Late fees* may be assessed to your student loan account per the terms and conditions of your loan ( XXXX ). '' There was no indication, no communication, and no explanation of why this {$390.00} was added and no acknowledgement that my actual monthly due payment was received, which is was as indicated in my bank statements. According to Nelnet, there are 15 days to get payment in, which mine was but if they are expecting the additional {$390.00}, which has not been explained or properly justified, I will not be paying it until I gain understanding of why and how that could even happen. I will continue to make my monthly payments. I acknowledge that Im the one that input the wrong digits in autopay, which I corrected within a 5 day period, so why and how can this company create fraudulent expenses when it was within the grace period and was a total mistake on my end, which was fixed immediately. Why is there no one in customer service answering phones, leaving borrowers on hold for over an hour and a half. I never had problems with XXXX but Nelnet bought them out and the first payment, I'm getting fees for things that don't make sense. All I want to do is pay my loan, not get into more debt because of their fraud. Please help, please. What do I do? Thank you for taking the time to read this. I have all necessary documentation to demonstrate I'm doing everything I can to understand and make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-09
Company: EQUIFAX, INC.
State: DE
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.

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 2020-08-15
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is against Experian. 

Over the course of the past 90 days I have made a series of attempts to resolve reporting issues regarding an old XXXX XXXX account XXXX. I recently pulled a copy of my annual experian credit report, and found inaccurate data was being reported regarding this account - it appeared the date of last activity and type of account was improper.I submitted a written dispute to Experian via mail, on XX/XX/XXXX I received notification the account was updated and results were available. While Experian did properly update the account type, Experian updated the account to show it is a new account, and more over, a newly delinquent account. Experian re-aged this account which is illegal. I have signed up for multiple third party credit monitoring services, and Experian is reporting the account the account now as actively delinquent, stating I have a new 30 day late missed payment now consecutively each month. My credit score is dropping each month due to Experian re-aging this account, and further reporting new 30 day lates each month. I have contacted the data furnisher XXXX XXXX, whom states they can not offer any solution and that I must address the issue with Experian. I have written Experian multiple times and going past 30 days I have received no response. I have tried to call Experian customer service, however due to Covid they are not taking phone calls at this time regarding this matter. This account in question, was an account included and discharged in a Bankruptcy in 2018. There should be no question as to the fact that the account has a XXXX   balance, and additionally can not suddenly become actively delinquent 2 + years after having closed and included in a bankruptcy. I have asked numerous time to have the information corrected or the account removed from my credit report. Experian is damaging my credit score as a consumer. I recently applied for an auto loan, and was denied by the underwriter due to a newly delinquent trade line on my report. I have had to ask for reconsideration due to the fact I can prove the account was included in a bankruptcy petition and is not delinquent, however even at that point, this inaccurate reporting has caused my credit score to drop significantly, so I am now in a credit tier in which I will be subject to a much higher interest rate - which costs me as a consumer more money due to Experian 's negligence. 

Please help me resolve this issue. Each month my score has dropped to due this matter, and I am afraid as a consumer this will continue for an indefinite period in which I will have to obtain costly legal counsel to resolve their wrong doing.

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 2019-02-07
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: Account status incorrect

Complaint:
On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on 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 2023-11-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

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 2022-07-08
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still presenting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: United Collection Bureau, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Found a debt on my credit report that was posted in XXXX of 2020, by United Collection Bureau. I was never notified of the debt prior to it appearing on my credit report. I filed a dispute with the credit company and was notified there was nothing I could do. I was later sent a letter from a law office in another state about the debt. I don't know where the debt is from prior to it being sent to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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, XXXXXXXX XXXX  : XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX XXXX 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 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 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 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 explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Dear DEPT OF TREASURY, Transunion & XXXX : Thank you for sending me your internal records of the debt ( DEPT OF TREASURY ) Account # XXXX, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from XXXX  AND TRANSUNION including reporting payments on a CLOSED ACCOUNT & RE-AGING THE ACCOUNT ( please see attachment ) which is in violation of the FDCPA. You stated in writing that you verified that these items are being reported correctly so how could this happen? Are you being prejudice against me? I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. I HAVE PROVIDED MYLEASE FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, 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