BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-10
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/XXXX and XX/XX/XXXX {$59.00} each I've called time multiple times they were supposed to put a stop to it and it's still getting took out every month I'm having to call and get it refunded this has been multiple times and we're just the two most recent it's from just XXXX and XXXX kids we have done canceled my card and got a new one I don't know how they're getting my card information something needs to get done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: ALLY FINANCIAL INC.
State: NJ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Ally 's so-called " XXXX is a total rip-off! They falsely advertise that 'your rate goes UP if/when the Fed raises rates ''. They are LIARS! In 4 years times I was to receive rate hikes when The Fed raised rates - which The Fed did - twice. The first time The Fed raised by 0.25 % I was given only 0.04 %! The second time I got NOTHING except a snot letter from Ally that rates are 'raised solely upon OUR choice ''!

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 2023-08-04
Company: Experian Information Solutions Inc.
State: MO
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:
Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the Metro 2 Reporting Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Metro 2 Reporting Format, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

It is imperative that you adhere to the Metro 2 Reporting Guidelines in examining each disputed item. 

In accordance with the Metro 2 guidelines, I request the immediate removal of any verified accurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the Metro 2 guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

I kindly request that you carry out the deletion process within 3 business days to comply with the guidelines. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the Metro 2 Reporting Format, ensuring fair and accurate credit reporting.

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 2023-04-29
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Federal student loans were being serviced by Great Lakes which was recently bought out by Nelnet. Great lakes had a very user friendly website allowing us to set up repayments in many ways and was very user friendly. Nelnet informed us that our current auto debit settings would be stopped and we would have to login and set up our account with them. As soon as I got the information ( XX/XX/2023 ), I logged in today and set up my account but they would not give me an option to start auto payments for 5 months ( XX/XX/2023 ) and did not have an option to pay more than the minimum amount due. The fine print on the website stated that we could may more to pay off our loan more quickly at our request but since there was no place to do it online, I called their phone number. I explained to the representative that for years I've had auto debit set up even through the federal loan forbearance period and I've been paying a few XXXX dollars more per month to reduce the loan burden. The auto payment system works best for me since I own and run a small business, have two small kids, and don't want to drown in debt until I'm retirement age or accidently forget and miss a payment. The customer service rep said there is no way to set up auto payment to start sooner or to set it up at paying a higher rate, I would just have to go on their website each month to make a higher payment. It doesn't make sense and just seems like this new loan servicer is trying to prolong people 's debt avoid accepting payments which interest rates are deferred, and increase risk of people missing payments. I then tried to go on and just schedule payments out until the auto payment could start but it would only let me schedule 1 payment out over the next month and nothing else. I believe this bank is taking advantage of me as a consumer, not giving proper information out, not allowing best banking practices, and shouldn't be allowed to service federal loans. Please help make this right or get me another loan servicing company that can help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In my credit report from XXXX, Transition, and XXXX. They are showing 2 or 1 fraudulent accounts which is : XXXX XXXX XXXX Other {$450.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details. 



and XXXX XXXX XXXX XXXX  Credit Cards {$600.00} Status Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$600.00} Account Details. 

Those fraudulent accounts are not mine and I want those accounts to be deleted completely off 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 non-monetary relief
Consumer complaint received 2019-01-29
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX .I have a few items of personal information on my file that is inaccurate First I would like to request a opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX , EQUIFAX , XXXX  inquires regarding all personal information. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I am a XXXX XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. I have had issues with addresses on my credit report that do no belong to me. The following addresses are not accurate please delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX OLD XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX CT, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Movement Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Movement Mortgage held onto an on-time payment I made in XXXX, XXXX  for 20 days causing my mortgage balance to increase. In turn, on XX/XX/2023 XXXX sent me a notification that our principle balance on our mortgage increased {$1600.00} from {$440000.00} to {$450000.00} despite never being late on a mortgage payment. 

As far as I can tell, XXXX held onto our XXXX payment because they were doing an escrow analysis and messed that up as well. 

When I pointed this out to Movement Mortgage and asked for an accounting, they did not send a proper accounting showing the total mortgage balance as requested and became non-responsive when I asked them to correct their error in reporting to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to Shellpoint Mortgage Servicing from XXXX mortgage servicing in XX/XX/XXXX. Prior to my loan being with XXXX it was with XXXX XXXX XXXX. Whenever I made any extra payment on my loan, regardless of if there were late fees or any other outstanding fees due, i was always told by both XXXX and XXXX agents that the extra I paid would go into a suspense account. I always had fees owed with both XXXX and XXXX and they never subverted my extra payment into fees. 

On XX/XX/XXXX I contacted Shellpoint to ask questions about my escrow and during the call I asked what amount did i have in suspense. I knew there should have been an amount there because for the past several months we had paid over our mortgage payment. To my surprise and astonishment the Shellpoint agent informed me i had XXXX dollars in my suspense. I asked her where did the money go. She told me Shellpoint had been taking my extra payments and instead of applying them towards suspense as my extra payments have always been applied - shellpoint had been paying off late fees with my extra payments. 

I never agreed to this. I never consented to this. I was never informed of this. When my loan transferred from XXXX to Shellpoint my servicing agreement should have stayed the same in regards to how my payments were being applied. I was only informed that the company handling the loan servicing would change. There should have been no other changes. 

This is a breach of contract. 
This constitutes a misapplication of my mortgage payments. The late fees and all other fees, as XXXX and XXXX had both explained to me would come due and owing when the loan is paid out. They were never taken directly from my mortgage payments. I had come to rely on the suspense account to help me weather financial difficulties. 

Also, per new mortgage servicing guidelines adopted by the CFPB in XXXX - any extra payments made on the loan would be applied towards the suspense account. 

So Shellpoint Mortgage is wrong to take my extra payments and subvert them into fees instead of suspense. I demand my extra payments, from the time my loan was transferred or before if applicable, be returned to the suspense account. 

I also request to be provided with my full servicing agreement which bears MY SIGNATURE. In other words my ORIGINAL servicing agreement and all others that BEAR MY SIGNATURE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I have provided proof of actual location disposition of the court I believe my wife opened an account under my name. I need all relevant data and contract to I may pursue damages of this fraud since you do want to let Me validate this credit report I have no proof of this debt and when I request it you say you want me to call. I am making contact now and I will not speak over the and I am a chase customer so this is a game your company is playing with cfpd to make it seem like your complayinh and attempting to resolve the issue

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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit report is showing late payments to XXXX 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 the creditors 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 non-monetary relief
Consumer complaint received 2023-04-29
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
This Car loan was opened in XX/XX/2011, Credit acceptance has lawsuit settlement and did not resolve the issues with my account. I feel as though they were using bad practices i was set up to fail. I am also complaining about the accuracy of the account the close account, currently reporting to my credit report. 
high Balance reporting different balances Last reported date - is reporting different balances owed XXXX did not dispute my complaint at all also the 7yr statue of limitation is up 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 2017-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Transunion  XXXX   XXXX  are reporting an old tax lien and it is inaccurate. It was a pre-lien and it should have been less than {$1000.00}. I have never had taxes that high. It was released shortly after but how is it valid they can just put whatever amount they want on your credit and its valid? The State of Ca even says it was an error.   I thought there is a new law coming into affect  XXXX / XXXX /  XXXX   regarding public record reporting? This needs to be deleted as it is completely and utterly INACCURATE!!! NOT VALID!   a $  XXXX  pre-lien for maybe {$900.00} worth of taxes for a current year?     How can they even give you a lien for a year that has n't even ended yet so you can file taxes?

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 2020-03-30
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.

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 2023-05-19
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: Information belongs to someone else

Complaint:
There was a data breach which in fact my personal information was taken and distributed. Which in return accounts were opened without my consent or knowledge as well as inquiries being made. This has made my score go significantly down and caused trauma in my life I can no longer stay in a decent area because of bad credit or purchase a home. I was in the process of purchasing a home and now I have to place this on hold. Ive reached out multiple times to have them remove these accounts and inquiries but they state they have to verify with the lender first and never remove them.

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 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
When I investigated my credit report, I realized that some of the information was erroneous.TransUnion is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$54000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I just received my reinvestigation back from Equifax. They said everything is XXXX  % accurate. I would like to receive a description according to 15 USC 1681i ( 7 ).

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 customers 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 did they talk to and How did they complete this investigation Account : Equifax Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 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 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.

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