BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NY
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 am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I applied for the SAVE program and was granted a reprieve from paying my loan for one year. However, all of the emails and advertising says that your payments will be {$0.00} and while they are, interest continues to accrue at my previous interest levels. So, if I don't pay anything I will rack up thousands of dollars in interest over the course of the year only digging myself further into a hole when I'm already in a hole as my acceptance to the SAVE program can attest. When I try to contact Mohela about the interest accrual, you can't actually talk to anyone. You can't email, the system will send you to FAQs pages and if you try to call them you'll be on hold for hours which just isn't feasible. They are not meeting their contractual obligations with the DOE and the SAVE program is preying upon the most vulnerable of borrowers setting them up for financial ruin by saying they don't have to pay anything when in fact they are accruing massive amounts of interest and will be in severe financial distress if they pay {$0.00} for the next year. When I attempted to pay my interest on XXXX  Mohela put it towards principal, so I still accrued more interest which then gets added to my principal and I'm stuck in a never ending loop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 1.XXXX XXXX XXXXXXXX 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 2021-04-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/2018, I ran into some financial trouble and was threatened with repossession from Nissan motor acceptance corporation ( 2 months from loan maturity ). I made a XXXX payment and had less then 60 days in my amortization schedule and owed less than XXXX dollars on the total lease agreement. If you look at my credit report, my car was repossessed at only 30 days delinquency on the day before Thanksgiving XXXX XX/XX/18 with a minimal balance that I could of paid off if needed. When I called Nissan they said given how close I was to loan maturity I would not be given an opportunity to re instate my lease agreement. Please also keep in mind that the company took my car with numerous valuables to a random lot and I had to meet the person a person to meet him. There were also items missing. 

I then get a notice 12 months later that I owe a charged off account XXXX dollars, please keep in mind i paid 99 % of the payments on this lease agreement. I did not receive an itemized bill, all it said was " repossession expenses '' " miscellaneous damage ''. i have been trying to challenge this through the credit bureaus from some years now that my finances are healthy and i want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
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: Reporting company used your report improperly

Complaint:
Experian is illegally reporting a transaction and experience I had with a company. I did not give written authorization to the company to give experian my information and i let experian know that to try to handle it with them first ( XXXX  ). I was not given a privacy notice to opt out at the time of working with the original creditor, as well as not given one annually to opt out. So NO AUTHORIZATION WAS GIVEN. 

Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ) requires the FTC, along with the Federal banking agencies and other regulators, to issue regulations ensuring that financial institutions protect the privacy of consumers ' personal financial information. Such institutions must develop and give notice of their privacy policies to their own customers at least annually ( except where exempted under section 75001 of the Fixing America 's Surface Transportation Act ( FAST Act ), Pub. L. No. 11494, 129 Stat. 1787, codified at 15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. Under the Dodd-Frank Act, this rulemaking authority transferred to the Bureau of Consumer Financial Protection ( except with respect to certain motor vehicle dealers ), but the FTC continues to have enforcement authority. Subtitle A also requires the FTC and other agencies to issue regulations for the safeguarding of personal financial information ; this authority did not transfer. The Act also limits the sharing of account number information for marketing purposes. 

Subtitle B of Title V ( 15 U.S.C. 6821 et seq. ) prohibits obtaining customer information of a financial institution by false pretenses. The FTC enforces these provisions with regard to entities not specifically assigned by the provision to the Federal banking agencies or other regulators. Also, Sections 131-133 of the Act ( 15 U.S.C. 41 note ; 12 U.S.C. 1828b, 1849 ) clarify the application of the FTC Act and other FTC statutes to subsidiaries and other affiliates of depository institutions, and provide for certain interagency information sharing.

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 2023-06-01
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.

The letters are stated with items and issues.

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 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT THAT IS NON INFLUENCED FROM ANY PARTY.

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 2023-10-20
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My ex put me on her Citi credit card as an authorized user when we were together and I never made a payment using the card. When we broke up I told her to remove me from the account and I threw my card away. Now I found out she never had me removed and her debt that she has on the card is hurting my credit score. I keep trying to contact her and have her get me removed but she purposely avoids me. I tried calling the customer support myself too but I can't even talk to a representative without the card number or the primary account owner 's social security number.

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 2023-10-20
Company: COMMUNITY BANK SYSTEM, INC.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: SECURITY FINANCE CORP
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: Old information reappears or never goes away

Complaint:
There are reports contained in my credit file that are well over ten years old like XXXX XXXX and Security Finance and I need them removed. 
I need to know what I need to do to get this done, so I can begin to work on a fresh start. 
Thank you for your time.

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 2023-08-11
Company: Early Warning Services, LLC
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:
InXX/XX/2023, I became aware of a credit reporting agency called Early Warnings Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXXXXXX XXXX XXXX According to 15 U.S. Code 6802 ( a ) Notice requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with Early Warning Services is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from Early Warning Services. I am now opting out of any reporting services from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I filed 2 disputes with equifax credit bureau. One was dated XXXX and the other was XXXX. Both had an estimated date of completion as XXXX. I hired a credit repair service to help me but no help. I would like both of the disputed items to be removed from the credit reporting agencies, specifically equifax and XXXX because the time limits by law have been violated. Thank you so much for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as UPDATE these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$2900.00} The late history should not be showing late because I think I paid on time. Please update the late payments from this account. 

XXXXXXXX XXXX XXXXXXXX XXXX Balance {$160000.00} I formally request the removal of late payment from this record. I don't think I was late in the months reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$2100.00} You are reporting inaccurate information on this account. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had taken a private loan in XX/XX/2007 from Navient who was Sallie Mae in the past. I was paying them about {$87.00} a month. This was what I was able to pay. They raised the payment a few months later to {$110.00}. Which was fine, then they asked me to pay more. I honestly gave up because this was all I can pay. Every month I saw my statement the amount was still the same. They called me to work something out with me after I stopped paying, I talked to them and they still had no options for me. It was I either pay the full amount or I continue to make payments. Not sure why they were calling me to work out something, if they had nothing. I had filed for bankruptcy this year and my private loans could not be forgiven, they still call me from different debt collectors, ask me to pay, they lowered it my loan to a lump sum which I don't have it, they called my relatives to ask about me. I don't know how to get rid of them anymore. I wish If someone can help me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: DE
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:
One several occasions late payments were listed on my credit reports. I had to do some digging to determine the company since there are only initials listed. The credit card company name is XXXX XXXX. I had a XXXX for XXXX in XXXX. The account was closed XX/XX/2022 because I never used the card. 

I would like for this issue to be resolved as quickly as possible. The erroneous information listed on my credit report is unsuitable

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 2023-08-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023 I was alerted of money taken from my account and was called by chase to resolve the issue. Instead they coached me and ended up taking all my money in total of {$13000.00}. I dont know what to do anymore. I was stuck at work and not near any chase bank branch to help me. I went to a chase branch before dor the same problem and all they did was give me a new debit card. No help by chase whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Jim Bottin Enterprises, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi. XXXX XXXX is attempting to collect a debt resulting from a membership contract that I never signed ( attached ) but I received by email. A gym employee signed it without my authorization. When I checked the contract on XXXX webpage, the initials on the contract and the address zip code do not match. 

I emailed XXXX in early XXXX and was told that they couldnt help, only the local gym can. I called the gym about a week later and they said theyd help, but didnt. 

When I called XXXX XXXX XXXX about a month ago to respond to a bill collection effort, I disputed the debt. After asking for a manager, they confirmed that two contracts were associated with my phone number without my knowledge, so I was told they ceased collection efforts on both. 

Today I received an email from XXXX XXXX XXXX, XXXX. demanding payment of {$130.00}. I sent them an email to XXXX and got a response saying that the address isnt monitored ( despite being listed on the bill payment page ). When I called the XXXX number that appears on the website today XX/XX/11 at XXXXXXXX XXXX, I restated the above and asked for them to cease collecting an invalid debt. The person on the line said we dont work like that and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
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:
I never gave consent to run my credit report and feel as though this is identity theft.

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 2023-01-14
Company: Nationwide Recovery Systems, Ltd
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Please validate this debt, I have been trying to get in touch with you for over a year now but there seem to be no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, 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:
The consumer is writing this complaint and no third party is involed. I need the CFPB help in investigating this XXXX and XXXX action. I learned XXXX is depriving me of many rights. Any contract I have with XXXX XXXX XXXX and XXXX is null and void due to the nondisclure of my right to non disclosure. 15 USC 1681 Section 602 A states I have a right to privacy. XXXX nor XXXX never communicated this to me. They never communicated with me about any right available to me. 15 USC 1681 Section 604 A Section 2 states a CRA may not furnish any account on my consumer report without my written instructions. I do not recall giving my consent for this account to be reported. The account open dates last payments and late payments furnished are all inaccurate.

Company response to consumer: Closed with explanation