BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX, XXXX, found out Equifax a victim of cyber hack. 
XXXX XXXX, XXXX, found out I am a victim of stolen information. 
Companies with possession of confidential information of millions of Americans should have better protected their assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-13
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Over 3 years ago I applied for the PSLF program. I filled out all the paperwork and my employer signed verification forms. I was told I qualified and my loans then had to be transferred over to Fed Loan Servicing from XXXX. I didnt think there was anything wrong, as every time I called customer service, they verified my loans were on the PSLF.  Each year I would have to fill out the paperwork and as I made more each year, my payments kept going up. About 3 months ago, on a random customer service phone call, I find out my loans were never put on the PSLF program and they lied and said they never had my paperwork when I applied over 3 years ago. I was told by numerous customer service people that I would need to reapply and have my employer verify my employment and they could back track all the years I qualified. I recently got approved and my current employer of 3 years has qualified and they are telling me only 1 payment has qualified so far. I have had so many past issues with this company and now this. I was told there was no one I could file a complaint with. Im writing this now as I just read the news how the teachers are suing this company for misleading information and many issues I have been through. I would really like to take action against this company, as this is wrong to be untruthful and unlawful to its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX, TX XXXXXX/XX/XXXX, TX XXXXXX/XX/XXXXXXXX, TX XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00} XXXXXX/XX/XXXX Balance Owed : {$3300.00}

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 2023-02-21
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022, I received a suspicious activity email from the credit card company and replied that I didn't recognize the charges and didn't authorize them. As the XXXX XXXX credit card statement shows on XX/XX/2022, two charges were made on my card. The first one was for {$220.00} and the second one for {$450.00}. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022, I filed three different challenges on the charges. The company removed the charges temporarily and immediately charge them again. They keep charging me and making threats to report the credit companies. Every time I try to contact the company no one seems to know about the issue. The company has removed the option from the online banking app to file a challenge to the charges. 

A few weeks ago, I filed a complaint with CFPB and the company responded by telling them that I didn't responded to the information they requested, also they claim their records showed that I had the card with me which is protected by a chip that prevents cloning. 

That information is not correct, first the charges were made on a store in the country of XXXX and second the minute I receive the alert I requested a new credit card since I dint have it or used it in years, it had no balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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:
I recently obtained my credit report from each of the four major credit reporting agencies ; XXXX XXXX transunion, XXXX  and XXXX. Ive discovered a bankruptcy was listed under my name. I had no idea my information was given to the credit bureaus without getting permission nor any acknowledgment. I contacted all four credit bureaus, sent out dispute notices and they was unable to rectify the situation. According to the 15 U.S.C 1681 a.1.a law there should not be any damages to my report and its a defamation of character.

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 2023-09-17
Company: EQUIFAX, INC.
State: CT
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Nelnet, Inc.
State: KS
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 plan and loan consolidation at the same time on XXXX. The consolation is complete but my payment amounts are not updated to what the government website showed when I applied.

I waited for a week after the consolidation to ensure there was sufficient time to process.

I researched bit online about possible road blocks. Accordingly I reached out using their email form ( the only way I saw to send a written statement ) for an update and uploaded my tax forms that would have been used with the SAVE plan application.

My understanding is the Fafsa website forwards the tax returns but some research I did suggested Nelnet may be having problems accessing that information. So I uploaded a copy of my tax return to the nelnet platform as well.

I do not understand why processing the SAVE plan application is not complete when the consolidation is and I have not received a response to my email to them. Their email form includes identifying information for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have a security freeze in place with TransUnion. There was a 'temporary lift ' placed on my credit freeze that I had never authorized. I'm a victim of Identity Theft and a person was able to apply for a credit card with my information as a result of this temporary lift. Every time I try to remove the lift online, I'm told I have to call them. When I call them, they deny there is a lift on my credit freeze, however, I insist there is a lift because the information on my online account shows there's a temporary lift and an identify thief was able to submit applications for a credit card. 

After speaking to several TransUnion reps, they keep insisting there is not a temporary lift.

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 2019-07-15
Company: WELLS FARGO & COMPANY
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
this is XXXX XXXX having issues with a old wells fargo account, currently closed my checking account was supposed to recieve deposit and subtract bills from account, but overdrafted cause mismanaged by bank as i can not control these now wells fargo state going to process lawsuit wells fargo threaten to slaunder my credit, name, and block all financials so i can not have any, because overdraft occured within bank account the deposit came after bills this was supposed to be deposit then billing same day but overdrafted.

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 2019-06-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Exeter Finance Corp.
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:
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. 

Account name XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX XXXX  Account name # XXXX XXXX XXXXXXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name # XXXX XXXX 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 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 explanation
Consumer complaint received 2023-03-16
Company: CREDIT ACCEPTANCE CORPORATION
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:
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. 

Account name : XXXX XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX  Account name # XXXX XXXX XXXXXXXX XXXX XXXX Account name # XXXX XXXX XXXX Account name XXXX XXXX  XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 previously submitted several complaints with each bureau due to their lack of investigation or none AT ALL. At this point each bureau is in extreme violation and I am keeping stellar record of this and will be taking legal action if not resolved with a consumer attorney. Please refer to the previous disputes filed under complaint number XXXX XXXX XXXX XXXX XXXX XXXX XXXX smart sales and XXXX transunion and XXXX is reporting different last active dates which is causing this account to re-age and this is a major violation and its being ignored. This needs to be removed immediately. 

XXXX or XXXX XXXX has not even been investigated AT ALL removed this are face legal action. Remove immediately. 

Please consider this my written authorization and attached is proof of my identity.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: PA
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 checked my personal consumer report, which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and inquiries made and they were not by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: CrossCountry Mortgage LLC
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: Account status incorrect

Complaint:
After Hurricane IAN devastated XXXX, my mortgage company Cross Country Mortgage Inc. offered me the opportunity to go on the mortgage relief program with a forbearance for 3 months and resume payment thereafter. I was given specific instructions and I asked specific questions pertaining to my credit score being affected. I was also told by Cross Country Loss Mitigation that when the payment resume, it will be credited to the current month, and the balance resulting from the forbearance will be deferred to the end of the loan. I also asked repeatably, if my credit will be impacted at all, to which they replied NO, multiple times. All these conversations on a recorded call as they disclosed at the beginning of every customer service call Upon completion of my forbearance, I resumed my timely payments. I have evidence they collected the payment on time. However, they credited the payment to the month of XXXX and not the current month as they told me, and they reported me 90 days late and my XXXX score dropped XXXX points from XXXX. They told me that my next payment will be credited to XXXX. This situation will create recurring 90 days late. This is incorrect based on the terms of the forbearance I was given. 

I tried to get this resolved with the lender and their research depart but it's not going anywhere. I asked the research department about the process to subpoena the recorded calls, but have not heard back from them yet. 

This is a serious matter and very detrimental to my family 's financial stability. I hope you can help me. 

Kind Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase XXXX XXXX XXXX is withholding {$29000.00} of our funds for a period of six months. They have claimed that this is to protect against chargeback claims on our account that might arise. However, in about 7 years of using them for our merchant processing, we have only received less then 12 chargeback claims, total. 

Chase XXXX chose to end our business relationship. That is their right and we accept that. However, we have an absolute right to the funds they are withholding. Continued withholding of these funds significantly impairs our ability to operate as this is cash flow that we need to function on a day to day basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Applied Data Finance, LLC
State: VA
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 contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to the Fair Credit Reporting Act, I have a right to dispute inaccurate report. I am contacting you to dispute the reporting of XXXX XXXX XXXX. The account reporting is identified as an installment loan which is factually incorrect. The true account type for this account is a Credit Sale Agreement '. I have the right to an accurate credit file and discrepancies like this are unacceptable. 
The account reporting is identified as a repossession, yet they continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file and discrepancies like this are unacceptable. A monthly payment should not exist after a repossession has occurred. 
I have sent three Debt Validation Letters, two of which were a USPS certified Debt Validation Letters, to the company with no response back from XXXX XXXX XXXX. 
Please investigate this matter and have them delete the disputed item ( s ) IMMEDIATELY.

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