BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was doing my regularly credit report check and noticed that there was a strange account from XXXX SECURE CARD on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The inquiry date is XXXX XXXX, 2022. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent under Section 609 of the FCRA. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information.

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 2021-06-24
Company: Alum Financial, LLC
State: NV
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was called by Alum Financial a loan consolidation company that acts as a servicer for student loans as well. They told me I was approved for loan forgiveness of {$6000.00} on my consolidated loans from XXXX down to XXXX if I started making monthly payments of {$150.00}. I made a total of four payments to them none of which were reported to the Federal Student Aid or my appointed servicer XXXX  ( whom of which I just found out is my official servicer appointed to my by the FSA ). It still showed my total amount owed before I started making payments as still the same. I asked them where my money is going and they sent me a receipt for my payments while avoiding two of my questions. I contacted the Federal Student Aid as well as XXXX both whom which told me they had never heard of Alum Financial. I was also told by both companies to contact my bank and stop all payments to them. So I stopped making payments. I recently received an email from Alum Financial that stated this could damage my credit and and garnish my wages if I did not update my bank information. After contacting them about this matter they said my loan would be paid off after completing the XXXX payments I owe them. They threaten late fees and fines for missed payment and was told by the FSA that no official servicer would ever charge fees of fines. I don't feel comfortable sending them anymore money and I would prefer to work with my servicer that works with the Federal Student Aid office.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-21
Company: EdFinancial Services
State: FL
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 Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XX/XX/1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school.

See 20 USC1232g ( b ).

Remove my student loans from my account, immediately.

Company response to consumer: In progress
Consumer complaint received 2022-02-17
Company: U.S. BANCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
After submitting a complaint with cfpb about the automated harassment emails and calls -- from numbers ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX -- I received a response through you all in which US Bank described that activity the following way : -- - " During a deferment, collection practices and monthly mortgage statements are still issued with the intended reason to keep the customer informed. Notices can be computer generated and during the forbearance process, our system of record is not updated until the deferment is completed. If you have any specific notice or statement about which you would like further clarity, you may contact the XXXX department or the XXXX XXXX XXXX for further research. '' " Please accept our apology for any frustration you experienced with the customer service provided. We strive to provide superior service and we regret if you feel that we fell short in this instance. '' -- - Now, my statement on the app has XXXX transactions, reflecting a transfer of {$2000.00} from XXXX XXXX XXXX that is back-dated to XX/XX/XXXX, moving from one principal balance ( with a higher rate, as if they were doing me a favor ), to a principal balance to a lower rate. The transaction does not appear on any statement I have, and it appears they say the transaction happened in XXXX, when I still had electronic statements ( conveniently ). But the account has payments dating from XX/XX/XXXX and XXXX of XXXX, and those principal balances do not even show any interest having accrued on the amount that was " transferred '' in XX/XX/XXXX -- it's clear they robbed me of {$2000.00} and used the apparent lack of statement records available online ( I do keep paper copies ) to hide the evidence, with a backdated transaction that generated no interest at all over XXXX months.

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 monetary relief
Consumer complaint received 2022-10-08
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
JP Morgan & Co has failed to keep giftcards from XXXX -Three cards have been compromised or are inaccessible to maintain even though my records indicate there should be a balance. 

I have the card numbers as well & attempted to have JP Morgan investigate what is going on, but they won't help They recently denied me credit for XXXX cards stating I'm not a super high valued & wealthy client with trillions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
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:
My name is XXXX XXXX and I'm a natural man submitting this complaint on the behalf of myself without any third party involvement. My personal identifying information has been illegally obtained through aggravated identity theft by the listed companies in this FTC report # XXXX and is improperly being used to furnish negative items on my consumer report without my written consent or authorization. XXXX XXXX, TransUnion, XXXX and XXXX is reporting inaccurate, erroneous and fraudulent accounts, collection information, fraudulent hard inquiries, incorrect names, addresses, phone numbers, and employment information that doesn't belong to me or was not any transaction made by me without lawful authority, my written consent or authorization. See attached as it includes my statement, copy of my ID, and copy of my bill to help verify my identity and proof of mailing address. Pursuant to : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt by such agency of- 1 ). appropriate proof of the identity of the consumer : 2 ). a copy of an identity theft report ; ( Report # XXXX XXXX ). the identification of such information by the consumer ; and 4 ). statement by the consumer that the information is not information relating to the consumer.

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 2022-11-02
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX  XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX in Indiana. Once I got home in Ohio, I realized that the odometer in the car doesnt match the paperwork. I called back to dealership and spoke with the sales associate that sold me the car ( XXXX XXXX ). Expressing my dissatisfaction in the sale and asked was there something we could do to correct the situation. I was told the general manager would contact me the following Monday on the matter and never got a return call. I called back to the dealership after going to the XXXX in Ohio and was told the vehicle would be registered with a branded title due to mileage not being accurate. I again reached back out to the dealership and still no resolve. I later heard from the title clerk asking questions about the mileage of my trade. She stated that there was a mistake on the mileage document and needed to be resigned. I once again mentioned the odometer issue and she asked for me to send photos of the odometer of my vehicle. And also stated that the general manager would be contacting on what can be done on the matter. I again called the dealership and spoke to the general manager and he stated that he isnt going to do anything with the ongoing situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: TN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XXXX XXXX XXXX  to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: NV
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:
This account is XXXX old and Experian has deducted more points on this same acct again I have repotted this was not mine and have been fighting this for along time it was on all 3 reports and Experian has yet to remove it it just on fair they keep taking points on my score for this same and only account on my credit

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 2022-08-17
Company: SLM CORPORATION
State: HI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am considered 100 % totally and permanently XXXX by the Department of Veterans Affairs ( VA ) due to military service-connected incidents. I currently have student loans with Sallie Mae Bank valued at {$25000.00}, and am trying to have them discharged on the basis of my XXXX. Currently, XXXX XXXX XXXX is overseeing the claim process on behalf of Sallie Mae, and despite sending in multiple pieces of documentation from the VA stating that I am totally and permanently XXXX, and that I am unable to seek individual unemployability due to already being rated at 100 %, XXXX XXXX XXXXXXXX insists otherwise, and wants me to seek out a doctor " that has treated [ me ] and considers [ me ] to be totally and permanently XXXX. '' This has been an ongoing issue since XXXX XX/XX/2022, and the most recent piece of correspondence from XXXX XXXX XXXX is dated XXXX XX/XX/2022.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
An XXXX item ( sink water dispenser ) purchased on XX/XX/2023 for {$190.00} was delivered to my house from USPS. Almost immediately, someone followed the mail carrier up the path and stole the item. The mail carrier tried to stop him but the person wouldn't leave the package. I filed a police report and called BofA Card Benefits. The agent there said it was covered ( my guess is there is a tape of the call ), and gave me forms to fill out. I filled them out, sent them and receipts and police reports. I got a response of " this benefit does not apply to real estate and items intended for real estate, including hard-wired and hard-plumbed items, garage doors and openers, ceiling fans, among other items. Please refer to your Guide to Benefits, which outlines what items or losses are not covered. '' The promotion of the card says " Purchase protection for items lost or stolen within 90 days. '' Nowhere on the website can one find a link to a Guide to Benefits, nor can one find one in BofA 's search facility. 

If BofA wants to promote " Purchase Protection '' on its website, it should be required to have a very visible description or link to a description of all of the caveats. They can't just promise something and then apply rules to which customers have no access.

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 2023-03-10
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$2000.00}

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 explanation
Consumer complaint received 2022-02-17
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I had a payment due XXXX XXXX minimum amount due if XXXX I set up a payment for XXXX I noticed it never came out of my bank o go On my dashboard and see it was cancelled?? I didnt cancel it I call and they have no clue what happened I now make another payment over the phone with them - this time for the full balance due of XXXX and that one gets cancelled too?? Still no clue on their end?? now I also have a late fee charged which they say I Have to put in a request to waive it? I said to them I am just trying to pay my account info and then I want to close it on my end I do not understand why this can not happen? Why do you keep canceling my payments? I am trying to repair my credit and this will put a mark on my credit report that I do not deserve There is no physical location of them for me to go make my payment I finally got through the supervisor well I have to leave a message she calls me back she tells me to contact my bank My bank verifies there are absolutely no define transactions and there are no attempts for either the transactions to be made no the supervisor at Avante credit card Told me the funds were not released that is not true I verify that my bank that was a lie she didnt maybe theres a block on my debit card there is no block I have used his debit card hundreds of times with no problem paying credit cards She tells me to call back after I talk to my bank I called back they pick up they asked for my name I gave them my name they hang up on me? I am at a loss I do not know what to do they now have my credit in their hands which is not fair because I am trying to pay them I just want to pay them I want the late fee waived I want no marks on my credit report and I want my account closed and I want it to be stated that I closed it at my request not them I am trying to repair my credit and Ive been doing a pretty good job and its completely unfair for them to operate this way I dont know if you can help me with this but I really hope you can help me with this its only a {$300.00} limit credit card this is insane to me I look forward to hearing from you and appreciate any assistance you can give me They also then try to get my bank account information saying maybe that would go through Im not comfortable giving them my bank account information I do not trust them its a lot easier for me to switch a debit card if I have to then open up a whole new bank account ive never had a credit card company asked me to do that either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: TOLEDO FINANCE CORPORATION
State: AR
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:
I do not have no knowledge of these inquiries these hard inquiries involve identify theft that has to be removed no more then 4 business days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, Nelnet is NOT the original servicer of NELNET Account # XXXX, Account # XXXX AND Account # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

Nelnet has also failed to properly secure and safeguard personally identifiable information for more than 2.5 million borrowers, including myself during a recent data breach of its servers.The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from Nelnets ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the following NELNET Accounts : Account # XXXX, Account # XXXX AND Account # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon disputing the information with the creditor, HYUNDAI CAPITAL AMERICA, they provided a payment history document that includes details of another person with the name of XXXX XXXX. This erroneous document raises serious concerns about the accuracy of the information provided by the creditor. 
Account Information : -Account Name : HYUNDAI CAPITAL AMERIC -Account Number : XXXX -Date Opened : XX/XX/2018 I am troubled by the fact that HYUNDAI CAPITAL AMERICA , can not guarantee the accuracy of the information they provided, as they mistakenly included the payment history of another individual. This oversight demonstrates a failure on the part of the creditor to provide precise and reliable information to the credit reporting bureaus. 
I want to emphasize that the late payment dates reported on my credit file do not accurately reflect the resolution of the delinquency.

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