BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-11
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was denied for teacher loan forgiveness the first time because I applied in XXXX of my XXXX year. So I applied again 4 years later, I was never notified I had to call EDFINANCIAL to find out it was because they did not read the application completely to see that I taught 7 years at one school and was at a new school for the last 2 years. The agent resubmitted and it wasnt until I called them again 6 months later that I found out I was denied for filling out the wrong line on the application. During this 6 months of non communication, my credit score fail 100 points because I thought I was in forbearance awaiting a decision on my loan forgiveness. Although the dates were corrected this did not help the fact that my credit score fail for 8 months and it effected my financial portfolio. I recently applied again and was denied because I was told that I had an OUTSTANDING loan before XX/XX/1998, which is incorrect because I was a XXXX at that time. I asked to speak to a manager and was told he was the only manager I could speak to. Edfinacial need to be investigated, most of all the complaints are the same, and customers financial portfolios should not be left to the hands of customer service agents.

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 2021-09-20
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NAVY FEDERAL CREDIT UNION reflects a billing error. The payment coupon sent to me shows a positive amount being owed to me. The payment coupon shows a credit balance of {$20000.00} and available credit of {$4300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: TN
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 look at my credit report and I notice fraudulent and inaccurate accounts reporting on my credit report

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 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX. XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late XXXX and 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-04-11
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently checked my credit reports and there is a collection listed from Hunter & Warfield. I lived in that apartment for a total of 5 years and never was the carpet replaced even thought I continued to sign lease. in the lease it states that tenant is only to be charge if damages were from pet. It also states that tenant will not be charge for normal wear and tear. the complex decided to upgrade their apartments after my decision to not renew my lease. them trying to make me pay for more. than 5 year old carpet is ridiculous. Im in the process of trying to buy a house and this collection is causing great distress. I demand that it gets removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Winklevoss Exchange LLC
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am another victim of the theft of crypto assets from an IRA account maintained on Geminis crypto exchange. A substantive complaint has already been filed regarding the theft under Complaint No. XXXX. I hereby join in this Complaint and incorporate the arguments asserted in it, as they apply equally to my loss. 

My personal losses were XXXX XXXX stolen from my XXXX IRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got alert on the XX/XX/2021 on my XXXX  credit report ENQUIRIES that a credit car is being applied for on my information which I never did. This credit card application is linked to Chase Bank. I dont know whos using my information to apply for credit cards which is totally fraudulent and I want quick actions to be made to the address that the credit card is applied with and bring who ever did that act to book. This is how crime start and Im not in support of anything crime. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX  -- IDENTITY THEFT XXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXXXXXX XXXX XXXX XXXXXXXX -- IDENTITY THEFT XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX -- IDENTITY THEFT XXXX XXXX XXXX XXXX -- IDENTITY THEFT UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/2022 XXXX 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 of 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 non-monetary relief
Consumer complaint received 2023-02-20
Company: Experian Information Solutions Inc.
State: VA
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've identified information on my report that is a result of identity theft. These items are not related to any transactions completed by me.All old and out dated information leaves me more susceptible to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Amongst 50 plus hard inquires, As well as 45 soft inquires on my consumer report showing up daily on all 3 bureaus.

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 2020-03-18
Company: Santander Consumer USA Holdings 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I gave back the XXXX XXXX back to Santander USA car finance. The never sent me a statement for the sale of the vehicle. When I spoke with them by phone the explained to me that the loan was satisfied and the account was paid in full. XX/XX/XXXX I got an alert from the credit bureau that a new account has been reported to my credit report. I call Santander USA and stated my account was paid in full and was close. I ask the representative to email me a copy of the statements and they never did. How can a company say for almost five years the my account was paid in full. Later sell a account to a debt collector that close. This is an attempt to defraud me for a none valid dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: EQUIFAX, INC.
State: NC
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 did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: GVA Holdings, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told that I was pre-approved for a loan of up to {$1000.00} and when I applied I was approved for {$500.00}. I signed at the prompts and received the money, however I havent been able to speak to anyone about how the money is being taken from my account. The amount I received and the amount that they expect me to pay back is ridiculous and I had no idea until I XXXX  them and found the website with the link to log in to the website. I was able to pull up the documents of the agreement and the amount they said they gave me was more than what they gave me and the amount and period they want me to be obligated to them for is crazy. Can someone please help me ... I am a single mom that works hard and try my best to make ends meet, I dont need to be scammed out of the few pennies that I have left over after paying the bills to sustain my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( Months showing late 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 2023-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
{$30000.00} was taken from account, and bank of America has not brought the money back into the account. I filed a complaint on XX/XX/XXXX and i have not heard back. I did not make the transactions on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: TX
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:
My car was totaled do through hail storm damage. I was paying GAP protection on the car. The car was paid off by the insurance and after confirming payment it was still reported as delinquent. The problem was address by agency when buying my home. I never revived payment on the GAP after car was paid 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 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number 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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 can not access my TransUnion account online, and TransUnion can not figure out what the problem is. 
XX/XX/XXXX - I try to log into my TransUnion account to remove a credit freeze so I can change my internet service to fiberoptic cable. Currently, the provider says there's a freeze on my accounts so they can't check my credit. I have removed the credit freeze from the other two credit agency accounts, but can't access TransUnion. 
Over several days I reset my password several times, try to set up a new account, empty the cache. I wait before logging in to see if any of these steps works. 
XX/XX/XXXX - Call TransUnion. Representative tells me that he can get into my account and that it looks OK on TransUnion 's side. With his assistance I clear the cache and reset the password. He tells me that I should wait XXXX hours and try to log on again. 
XX/XX/XXXX - XXXX later. I still can't log on. I call TransUnion. They suggest basic trouble shooting : new browser ( I switch to XXXX and reboot my computer ), clearing the cache. Representative puts me on hold to follow up on what to do. After a XXXX minute wait he tells me there is something wrong with my account, perhaps it needs to be rebuilt. Gives me a case number and says TransUnion will follow up in XXXX business days. 
XX/XX/XXXX - I haven't heard from TransUnion, call to follow up, provide the case. Rep tells me he can't see anything wrong with my account and puts me through the same basic trouble shooting. I tell him I have already done all these things with the previous representatives. I ask what the case says. He says it says there's nothing wrong with my account. I tell him I need to get into my account to remove a credit freeze. He tells me there is no credit freeze. This worries me because I put a freeze and fraud alert on all my accounts several years ago due to identity theft. He gives me another case number and says in XXXX hours a manager will call to follow up with me. 
I have no confidence TransUnion will resolve this issue because they repeatedly suggest the same solutions ( basic trouble shooting ). And they didn't follow up proactively on the last case, as promised. I am now worried that this account is compromised due to the previous identity theft, but I can't see the account because TransUnion has not solved the problem.

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 2020-03-18
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ
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:
At XXXX on XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX   XXXX XXXX , XXXX , Az . I was looking to see if I could upgrade my vehicle. The salesman, XXXX showed me 2 vehicles, one in particular a XXXX XXXX XXXX XXXX XXXX XXXX /XXXX. I distinctively told him not to run a credit report,, because I was only looking and to possibly trading in my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They constantly froze my account, they frozen my account at the end and said they had to review my account when I got back into it, my {$2000.00} was gone

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 2023-02-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan company is Mr. Cooper. 

Since last XXXX ( XX/XX/22 ), I've had nonstop mortgage payment reversals despite having a properly connected bank account with more than enough funds to cover my monthly mortgage. My monthly payment is {$2600.00}, plus {$500.00} applied towards my principle. 

Oftentimes, I'm not notified about these reversals until past my mortgage payment deadline. This has resulted in late fees ( {$93.00} ), as well as a lowered credit score. My credit score was close to 800, now it's at XXXX. With no solution on the horizon, I fear that my credit score will continue to drop and begin affecting my financial future. 

I've called a Mr. Cooper representative every single time a reversal has happened ( sometimes multiple times in a single month ), and they've all assured me that it's simply an internal, company-wide error that would be sorted out as soon as possible. I've also been assured that Mr. Cooper would open a case with all the major credit bureaus to erase the credit penalties I've incurred because of this issue. I've received no followup about this. 

As a result, my credit score has dropped dozens of points since XXXX and the only loan I have is with Mr. Cooper. 

It's unacceptable that I'm making my payments in full and on time, yet still getting penalized by Mr. Cooper. 

This is, by far, the worst experience I've ever had with a mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Experian Information Solutions Inc.
State: NC
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 did not consent to, benefit from, Or Authorize any of the following accounts and would like them removed immediately from all three credit bureaus # XXXX XXXX XXXX XXXX Account number XXXX # XXXX XXXX XXXXXXXX account number 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