BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: LA
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 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX bank 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.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2022-03-08
Company: Nelnet, Inc.
State: OH
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:
Firstmark is servicing a Parent Plus loan through XXXX XXXX. This was a federal loan that I refinanced in XXXX. 
In XX/XX/XXXX, I refinanced that loan again through XXXX. On XXXX XXXX, XXXX, XXXX wrote to confirm that it had sent an electronic payment to FirstMark for the full payoff amount of the loan. 
As of XX/XX/XXXX, FIrstmark has not applied that payment to my account. They are still demanding payments and accruing interest, even through the loan was paid off more than 35 days ago. 
XXXX has taken its time to respond to me, but on XX/XX/XXXX called to tell me they have confirmed that Firstmark received the electronic payment and they have continued to contact/escalate with FIrstmark to get the payment applied to my loan. 
I have now had to make a double payment on the loan to avoid a mark on my credit report. 
I've called Firstmark but their customer service won't provide any informaiton other than to say that they can't confirm whether or not the payment has been received until it is credited to my account. Firstmark is being negligent and untimely in closing out this loan to the point that it has had a detrimental affected on my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Good afternoon. We're reaching out to you in the hopes that you will assist us with reinstating our loan with PennyMac Loan Servicing. 

We fell behind on our mortgage payments due to Medical hardship and are currently eight months behind. We decided to withdraw the reinstatement amount from our 401k a month ago and requested the reinstatement figures from PennyMac and their representatives XXXX XXXX on XX/XX/XXXX Wihout those numbers, XXXX XXXX XXXX will not release any funds. We finally received the payoff quote yesterday, the XXXX and we've been trying all day today to obtain account and routing number information from PennyMac, in order to make this payment. 

So far, we've called four times and have spent a total of almost two hours on hold. We've also called their representatives XXXX XXXX and been put on hold, only to be listening to the same music as the music that PennyMac has. It's clear that these two organizations are under each other 's umbrellas and are working in coordination to make it as difficult as possible for us to reinstate our loan. 

This is an emergency and a very urgent matter - our sale date is XX/XX/XXXX, worse than that - the payoff quote that they provided is only good through the end of XXXX. Please reach out to me at your earliest convenience. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I have charge offs that are not factual and accounts that are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Unable to place credit freeze with EQUIFAX after 3 hours on line and telephone today not to mention numerous attempts in the last 3 weeks. Always can not get through to an agent or complete transaction on line. Have moved 8 weeks ago and I even tried to use my old info from my previous but yo no avail. 

I was able to place a freeze WITHOUT DIFFICULTY with XXXX as well as XXXX. 

What do I or Equifax must do to get some credit protection? 

Have an account with them but but when trying to get on line I am told I must call them. Have tried numerous times with multiple numbers and can not get through!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: OneMain Finance Corporation
State: UNITED STATES MINOR OUTLYING ISLANDS
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 was alerted through my credit card watch that an unauthorized hard inquiry was completed on my credit report without my consent. I did not authorize One Main Financial to process any credit checks on my behalf. I have never had any dealing with this company. 

I called their customer service number on XX/XX/XXXX who forwarded me to a local branch based on my zip code. I spoke with two different agents who claimed my information was not found in their system despite their company information showing on my credit report. 

I was advised to contact the credit companies with my concerns. The inquiry on my credit report shows as follows : ONEMAIN FINANCIAL Inquiry : XXXX. XXXX, 2023 - Finance/Personal ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information ONEMAIN FINANCIAL XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
yes I was told by the unemployment office that I would receive {$220.00} a week for unemployment benefit. I have been filing every Sunday since XXXX, and was approved for my money. I have been waiting for XXXX months now, and yet to receive my Alabama unemployment prepaid card in the mail, My family is struggling and really need this please someone read this. And can hopefully help me with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # 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

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 2018-08-09
Company: AMCOL Systems, Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
Hello, I was contacting you to file a complaint on Amcol Systems debt collection agency. This issue with this derogatory account that they are constantly reporting my credit has not been resolved for at least 2 years. I've requested the information that I am entitled to have at least 5 times, and have yet to receive a response. I've been in touch with XXXX, XXXX, and XXXX and they keep on verifying the account as accurate without providing me with any type of feedback. This derogatory account does not belong to me. I do not even know where it came from. It's a debt for {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see XXXX XXXX ( an original XXXX XXXX with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Experian Information Solutions 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:
I sent your " EXPERIAN '' a " POLICE REPORT '' in XX/XX/XXXX stating this XXXX XXXX accounts didn't belong to me. Experian deleted XXXX XXXX accounts off my credit report. One year later 'Experian '' put the XXXX XXXX accounts back on my report claiming that XXXX XXXX told them they belong to me. I went to court on XX/XX/XXXX before a " JUDGE '' I PROVED these accounts with XXXX XXXX DO NOT BELONG TO ME!! THE JUDGE DISMISSED THE CASE. I HAVE SUPPLIED SEVERAL COPIES OF THE STAMPED COURT DOCUMENT TO EXPERIAN. 

Experian is stating they will not accepted a certified stamped signed document from a 'FEDERAL JUDGE '.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company bought this loan from the original creditor. My son is in school and there is a deferment until hes not enrolled in school. This is the second time this company has done this and it has dropped my score drastically. I get no mail, no correspondence, or anything untily credit report is updated.

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 2020-02-28
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a student loan with National Collegiate Trust that is being serviced by AES ( American Education Services ). I filed for co-signer release on XX/XX/XXXX and still have not received any response as of today XX/XX/XXXX. AES states they have not received any response from the lender and that I can not contact the lender directly as AES is the servicer and NCT will not speak to me directly about my account. AES has re-submitted the request today but stated they can not guarantee that I will get any response to the second request either. It is outrageous that these companies are allowed to operate in this manner and completely ignore consumer requests while blaming each other for the inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'm submitting this in hoping to get XXXX XXXX XXXX XXXX to remove a 30 day missed payment from my credit reports from XXXX of 2017. My husband was in the process of changing assignments and our pay was messed up. In addition there were fraudulent charges on my credit card account that I recently found out about and were able to dispute and win. I was credited over {$600.00} because of it. This affected my balance at the time and my ability to pay my bill.

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 2023-03-28
Company: CL Holdings LLC
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: Information belongs to someone else

Complaint:
Jefferson capital has sold a debt that they claim to be mine. The original debt collector was XXXX in which I never had a XXXX account. However, Jefferson capital sold it to another collecting agency XXXX XXXX who is now the owner of the account. Well, Jefferson capital is still reporting to my credit reports for this although they do not own the debt in question anymore. I have filed disputes with each agency that get declined without even a reasonable verification process and remain on my report. I have also requested a verification from Jefferson capital that this debt is verified as mine and they did not respond within 30 days. Its been 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hoosier Account Services was the collection agency for a medical debt that I owed that I did not know I had. I was contacted on XXXX/XXXX/XXXX about this debt. After almost 2 years of fighting my insurance company and original account holder, I payed the account in-full ( {$20.00} ). I payed this on XXXX/XXXX/XXXX. Hoosier Account Services continues to not report correct information to the credit bureaus. 

The first item that is reported wrong is the " Date Reported ''. The date that they are giving the credit bureau is XXXX. How could this be when I paid the debt back on XXXX/XXXX/XXXX? Also, It is showing the last payment date as XXXX/XXXX/XXXX. This also is wrong as I paid the account in-full on XXXX/XXXX/XXXX. This could lead to the negative account staying on my account for longer than I am legally responsible for. 

I have disputed this account with XXXX and Hoosier Account Services continues to report the wrong information. They also verified this debt as a " Medical Debt '', which verifying medical account information is in violation of my HIPPA rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: General Motors Financial Company, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/2018 I traded-in a leased XXXX XXXX XXXX for a new, XXXX XXXX XXXX which I purchased at the same dealer ( XXXX XXXX XXXX, FL ). 
Any further financial obligation for the car lease on the XXXX XXXX XXXX was, I was led to believe, the responsibility of the dealer. 

In XXXX, I received a bill for excess wear-and-tear on the XXXX XXXX for {$340.00}. I sent in the payment and GM Financial has acknowledged receiving it on XX/XX/2018. YET, FOR SOME REASON, GM FINANCIAL FILED A NEGATIVE CREDIT REPORT ON ME THE NEXT DAY ( XXXX ) THIS DESPITE THE FACT THAT PAYMENT WAS MADE AND DESPITE THE FACT THAT A REP HAD INFORMED ME THAT THERE WAS AMPLE TIME IN TERMS OF A GRACE PERIOD FOR THE PAYMENT TO CLEAR. 

It gets worse ... 

On XX/XX/2018 when I called GM Financial to follow-up, the recorded announcement stated not only that the {$340.00} was received, BUT THAT THE NEXT REGULAR LEASE payment was due in XXXX. 

I would like CFPB to do 2 things : 1 ) compel GM Financial to do the right thing and immediately retract its unwarranted negative credit report and note that it was filed in error ; and, 2 ) compel GM Financial and XXXX XXXX XXXX to work out between them the matter of any remaining lease payments on the XXXX XXXX, as per my trade-in agreement in XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX NEW MEXIC ) XXXX Balance XXXX {$740.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : NEW MEXICO XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-03-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was scammed out of {$1000.00} financial institute was Wells Fargo. I was sent a text asking had I approved a {$3500.00} transfer through XXXX. Responded no and went to call the bank and the bank called me in the process. Ended my call answered the other line and spoke with some stating they where a representative from Wells Fargo. Even spoke with someone stating they where a supervisor. I was advised to create a XXXX account with my information and send money in checking acct to myself. The money never returned to me. I was advised by the bank it was a scam and a hacker spoofed my phone number and took the funds and because it was through XXXX the transaction had no covered protection from Wells Fargo or XXXX. The bank was aware of the scam going on knew the step but never put a warning out about the scam online until sometime in XX/XX/XXXX. They only advised they would submit a claim to XXXX in hopes of getting v the money returned and as of date no response has been provided. Don't trust the banks or XXXX all are aware of the scam and continue to provide XXXX all the apps and online banking. I have requested proof that Wells Fargo filed a claim with XXXX in writing have yet to receive. Also requested information on the bank that received my funds no response either. 

Companies involved : Wells Fargo and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 non-monetary relief