BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-17
Company: Bull City Financial Solutions, Inc
State: NC
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:
15. USC 1681 section 602 A state ... .I have right to privacy ... .They violated this 15. USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. 

15, USC 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector this includes phone calls and letters in the mail ... ... I have changed my number twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies XXXX, XXXX, and TransUnion. 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC 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 2023-09-11
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Bankruptcy

Complaint:
I have disputed this a few times. The last one was around 6 years ago. They said because I started paying again on the loan it was like admission I owed it. They harassed me for years. I was a young single mother. Ive had health issues for years. Ive worked several jobs to provide for my daughter and myself. I did take out one parent loan for my daughter when she was is college. I was paying separate on that one and they talked me into combining the two before covid. Interest is high. Years of payments are missing besides the fact it was dismissed several years ago. I have paid the loans with all my payments throughout the years. Which really should not have been owed after the court accepted the bankruptcy. Its been a life long mess. I dropped out of school at the time because my XXXX XXXXXXXX XXXX XXXX in front of her XXXX  at her office. My new husband had just moved overseas. I was alone. Im now about to turn XXXX. Cant work. More XXXX XXXX and other medical issues and still have this problem. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: MD
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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: OH
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 education loans have been completely discharged and should not be reporting over XXXX times.

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 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have provided this company with all the documents necessary to remove all alleged accounts from my consumer report. XXXX has responded accordingly but XXXX and Transunion has not. As the controller of my consumer report, I did not give consent to nor was I properly explained the furnishing of these accounts on my consumer report. My federally protected right to privacy prevents these accounts from being furnished without my consent. Please see attachments for docs.

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 2023-07-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Opened and utilized an American Express Blue Cash Preferred credit card ( account ending : XXXX ). Earned a promotional account opening bonus of {$350.00} after meeting a minimum spending requirement within a specified time period. After almost one full year, I decided to close the account. At the time of account closure, the chat representative stated : " Cancelling your account will result in your forfeiting any earned cash reward. Would you like to proceed with the card cancellation? '' I understood this to mean that any accumulated reward dollars earned from purchases but not yet claimed would be forfeited. Since I had no outstanding reward activity to claim, I proceeded with the credit card closure. Nothing was stated indicating that the initial {$350.00} account opening bonus would be reversed if the credit card was closed within the span of XXXX year. To my astonishment, several weeks following official account closure, I received an email stating that a {$350.00} statement credit reversal had posted to my closed account ( on XXXX ) and that I was liable to make the payment within 30-days otherwise interest charges and associated late fees would accrue. I contacted the company to resolve this issue and the chat representative/supervisor informed me that the possibility of account promo reversal was detailed in the fine print of terms and conditions. I conveyed to the representatives that I was never informed of any minimum time limit requirement, either during account opening or account closing. Nevertheless, I agreed to re-open the account to meet the one-year time frame. The supervisor agreed to submit the request for promo reinstatement to the company 's back office. Upon account re-opening, the company changed the credit card account number ( new card ending : XXXX ) and subsequently charged an annual {$95.00} maintenance fee. The account remains open and active but the promo credit has not been reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act there are several accounts attached that have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I havent given anyone written permission to furnish these accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: U.S. BANCORP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My US Bank Account Credit Card and Line of Credit was hacked after 2 Plus Years of no Late Payments - I immediately reported it to US Bank with no assistance to date.

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 2022-12-29
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
So XXXX who is Now operating As XXXX, Has Been Updating my account Fraudently on a loan they no longer service. My loan has been brought out of default status. They can not reflect on my account negatively after default loan rehabilitation. Also They have all incorrect contact information on my credit report you are unable to contact this servicer. This Is Misleading. They don't have any valid contact information. I want to know who is updating my accounts negatively. XXXX point drop from their reporting. This account needs to be removed. 

Information on My report : ( Belongs To XXXX  Now XXXX  ) Phone number doesnt work. No Notification of new contact information. XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting act there are several accounts attached that have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent.

15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I havent given anyone written permission to furnish these accounts 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX XXXX XXXX  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 : Also states a consumer reporting agency can not furnish an account without my instructions 15 U.S.C 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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 2022-12-29
Company: Affirm Holdings, Inc
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone fraudulently opened an Affirm account on XXXX to make a {$60.00} purchase using my identity on XX/XX/2022. Affirm will not tell me what the purchase was for. I contacted XXXX to find out what the purchase was, but they could not tell me because the account was opened under a different user account. I never received a {$60.00} item from XXXX, and I have no idea what was purchased. I tried to dispute both the fraudulent account opening as well as the fraudulent charge, but Affirm denied my dispute. I can not dispute the purchase on XXXX because it was made under a different user 's account. Affirm will not allow me to close the account unless I pay them for the fraudulent charge, so whoever opened it can continue to make charges in my name. Affirm placed me in collections and are negatively impacting my credit report. I absolutely refuse to pay for an item that was purchased under a fraudulent account opened under my name. I am disgusted that Affirm continues to bully me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: SandP Solutions, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My computer was hacked on XXXX. An official-looking message took over my screen and I could not work the keys on my computer. I believe it provided a number, which I called and talked to a man who said he was with XXXX. He referred me to what I thought was the Theft and Fraud Dept. of XXXX XXXX XXXX 

Another man, who said he was with the Theft and Fraud Dept. of XXXX XXXX XXXX  told me that my computer and cell phone had been hacked, that I was not to call anyone, that the funds in my two personal and three ministry accounts at the bank were in jeopardy. I was told to leave immediately and withdraw {$30000.00} in cash, then directed to a XXXX machine, and he walked me though steps to set up a XXXX wallet, which I thought was secure, and deposit the money. From XXXX XXXX XXXX I withdrew a total of {$260000.00} cash from my XXXX XXXX Accounts and two XXXX XXXX investment accounts and put it all in four different Bitcoin machines at these addresses : 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  The man who said he was with the Theft and Fraud Dept at the bank called XX/XX/XXXX and told me to have my son come over. My son came, I called the man and he told me to hand the phone to my son. He told my son I had been hacked, threatened me and said not to go to the police. 

We immediately went to the XXXX, XXXX  Police Department and filed an official report with intent to prosecute. XX/XX/XXXX we opened new accounts at the XXXX XXXX XXXX ; we will close the other accounts as soon as pending transactions clear. My son called the secret service, who referred us to the Victim Resource Center, and they referred us to this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
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: Investigation took more than 30 days

Complaint:
I submitted a disputed to transunion for several inquiries previously removed from report but added back without 5 day notice as required by law also several accounts show in correct or incomplete information listed below The account listed shows derogatory but also status status unknown no historical payment history XXXX balance this is conflicting information previously removed durning a credit dispute added back with no notice to consumet 1/ XXXX  XXXX 2/XXXX  XXXX # XXXX 3/ XXXX XXXXXXXX # XXXX 4/XXXX XXXX  # XXXX 5/ XXXX XXXXXXXX # XXXX 6/XXXX XXXXXXXX # XXXX 7/XXXX # XXXX The following account show as in dispute however Im not of dispute of these accounts 1/XXXX remove dispute comments in all accounts for this creditor Lastly the following inquiries were previously removed now added back without a 5 day notice XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-05-07
Company: Experian Information Solutions Inc.
State: OK
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 I noticed a personal loan that was for {$700.00} was listed on my credit as included in Bankruptcy when that was not the case. In fact the loan was paid in full, and the Credit Union as well as the Credit Agency was notified and given proof of payments showing dates and running log of amount owed with each payment that was supplied to me from the Credit Union. They however only changed the status from included in bankruptcy to Includeded in bankruptcy/never late. This account was not included in my bankruptcy and and was in fact paid in full. I communicated this with the credit union once the loan was paid in full and once the bankruptcy was complete. My attorney advised that the credit union was not supposed to be pulling the payments for the loan if they were including the loan in bankruptcy and if they were then all monies needed to be refunded. Nothing came of this after several emails with the Credit Union.

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 2023-09-11
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi, i have been trying to contact Edfinancials customer service for a week now to no avail. i paid my loan not knowing about the XXXX program and how I could benefit from it. i frantically wiped my savings thinking my payment was due soon, but it turns out the due dates were not accurate. i called to cancel my payment so that I can apply to XXXX  but they have not answered calls, emails, their chat does not work. I cant get a hold of anyone. this is a whole {$25000.00} and its a shame I can not get an answer for my calls and I can not speak to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 non-monetary relief
Consumer complaint received 2022-06-17
Company: EQUIFAX, INC.
State: MA
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 accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  XXXX Account # XXXX - XXXX  Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage is attempting to take my home from me through the foreclosure process, even though they have never provided me with any sort of mortgage assistance on my FHA loan. Every time I have tried to work with them, they claim that they did not have all the documents to perform a review for assistance. However, I gave them every scrap of paper and bit of information they requested. They are just unwilling to get this done and I am shocked at their incompetence. I have an FHA loan and there are very clear guidelines on how a loan should be treated, but they are just trying to foreclose on my home and take away my equity. I have never had a single point of contact and they act like a bunch of thugs and baboons. I have reached the end of my resources and am in the final stages of foreclosure. I have done everything I can to work with them, but it is an act of futility. I went through some difficult times financially when I lost a large contract and then I had a nightmare of a tenant who wouldnt pay rent or leave the property. I have now resurfaced financially, but Freedom Mortgage is unwilling to work with me to modify my loan. I have never had a single point of contact and had to work with different people every time I contacted them. No one had control over my request for mortgage assistance and nothing got done. Freedom Mortgage isnt willing to help me and is taking me through the foreclosure process instead. The only option they have given me is to fully reinstate my loan, but this is impossible. I would really like to see if your organization would be able to take a look at how they are treating me and to see if there is something that can be done to help me save my home.

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