BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-17
Company: EQUIFAX, 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:
XXXX XXXX holds our lot loan that matured in XX/XX/2021. While in the process of refinancing the loan, XXXX XXXX erroneously reported to XXXX, Equifax, and XXXX a 30 delinquency even though we continued to make our regular on-time payments. The credit bureaus started reporting this delinquency on XX/XX/2021 reducing my credit score by 44 points. 

On XX/XX/XXXX XXXX took negative action against me by reducing my credit limit to the current balance which also inflates my debt to income ratio increasing the negative impacts. 

On XX/XX/XXXX, XXXX XXXX XXXX sent a letter confirming the error, while also stating they sent a correction to the credit bureaus. 

On XX/XX/XXXX, I submitted a dispute to XXXX but received a notice that it will take 30 days to remove. 

Since this delinquency is an admitted error, it should be removed from my credit report immediately mitigating the risk of other creditors taking additional negative actions against me. 

As of today, XX/XX/XXXX, it's been over a month, and the delinquency is still being reported. 

My husband and I are struggling to overcome the devastation COVID caused to his business, working to refinance our mortgage that is current in forbearance and while our situation is improving, this error can devastate us. 

PLEASE HELP US QUICKLY. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Freedom Mortgage LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX A full package was emailed to Freedom Mortgage on XX/XX/XXXX. This included Freedom Mortgages proprietary RMA and Unemployment Affidavit, as well as the XXXX. 

OnXX/XX/XXXX freedom Mortgage asked for the Unemployment and XXXX again. 

On XX/XX/XXXX Freedom Mortgage asked for evidence of self-employment income for the last 6 months even though the Unemployment Affidavit WE SENT THEM TWICE states the homeowner HAS NOT BEEN EMPLOYED SINCE XX/XX/XXXX. 

Freedom Mortgage is fallaciously requesting extraneous records in an attempt to stall decisioning this short sale. They are doing this in an attempt to extort servicing fees out of the investor. THIS IS FRAUD AND IT NEEDS TO STOP NOW. 

Freedom Mortgage already has a complete short sale package and I want the short sale moved forward appropriately without further 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 explanation
Consumer complaint received 2023-11-01
Company: Consumer Financial Services
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The loan company I was with before they repossessed my car keeps pulling my credit report every other month. I didnt authorize nor give them permission to since I signed for the car on XX/XX/XXXX of 2022. If you look at the photos Ive sent, theres two separate reported accounts from the company. There should only be one account. I dont want to keep dealing with this company or the manager who runs the store. Is there anything I can do too stop this from happening further

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Genesis FS Card Services, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A Genesis FS Card was opened on XX/XX/2022 under my information, however I did not open this account. The card has a balance of {$1500.00}. I have contacted Genesis to report it fraud. I have also reported identity thief with the police dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These items are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX - XXXXXXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX Filed : 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 2023-03-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have contacted JPMCB Auto about reporting my XXXX Chase Auto Acct # XXXX XXXX late. This derrogatory information on my personal consumer report is damaging my credit rating and credit profile with XXXX, XXXX, XXXX and XXXX. 

This is a violation of consumer law 15 USC 16802B. I have never given my permission to JPMCB Auto to report my personal information to a third party ie XXXX, XXXX, XXXX and XXXX. Furthermore I was never given a opportunity to OPT-OUT of this process of reporting my personal transaction history to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have had student loans through Great Lakes since XXXX. In XX/XX/XXXX I received several emails from Great Lakes and " Nelnet '' that my loans will be transferred to Nelnet and that I will need to create a new account with Nelnet in order to begin making payments ( after the COVID-19 pause ). 

I have been unable to create an account to make payments through Nelnet which are now due in a week ( XX/XX/XXXX ). I HAVE BEEN TRYING TO CREATE AN ACCOUNT SINCE XX/XX/XXXX. 

Their website can't locate my information in order to create an account. I've tried on several different computers and devices ( per suggestions from the thousands of others having the same ordeal ). 

No one at Nelnet picks up their phone after being on an automated hold for 2+ hours. 

Their " Live Chat '' help is unmonitored and goes no where. 

Emails do not get returned. 

How is it possible or even legal for my federal student loans to automatically be transferred to a FOR PROFIT PRIVATE COMPANY which I have no choice or options in. 

I am unable to get into this website in order to pay my student loans or even gather *any* information about them. This seems criminal. 
I will now likely be penalized for a private company 's inability to perform their function, due to their shoddy website and " customer service, '' of which there isn't any. 

What are we lendees expected to do here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: Experian Information Solutions Inc.
State: WA
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 CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a balancXXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ XXXX paid this account off this account but 's still showing that i owe a balance, XXXX XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ XXXX paid off this account but it ; s still showing that iowe a 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 2023-09-08
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Didnt give written permission to have XXXX XXXX or Synchrony Bank furnished 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 explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: NY
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 final attempt to dispute the information in my credit file which resulted from an alleged identity theft before I seek legal remedy. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX Date Opened : XX/XX/2015 Balance : {$100000.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.

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 2022-09-27
Company: Experian Information Solutions Inc.
State: VA
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:
Hello my name XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible!

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 2022-09-27
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:
In 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 2023-08-29
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Last XXXX I was a victim of fraud by obtaining a car loan check to purchase a vehicle but the check was cashed and I never received the vehicle. I informed the bank of this right away but was informed nothing they can do since the check was cashed and I was the guarantor of the car loan. So I am out of XXXX XXXX and have not vehicle. I have been communicating with Navy Federal about this and they made it very difficult to send them information and receive information. No one has taken the time to hear my story. You have to wait on the phone que for 2hrs, its a national crime and it seems like they are not doing anything to help members, in which i been a member since 2013. I followed all necessary steps to state my case in which I had to fill out there Declaration of Forgery/Fraud form, the form was filled out, but only to received a letter 30 days letter stating I am responsible for the XXXX XXXX  loan. In order for me to file a police report I needed the form to give to the Police Department. 

I requested a copy of the Declaration of Forgery/Fraud form but was informed I needed a subpoena from the Police Department XXXX I am only able to receive a subpoena once I have a court date. I need the form to send to the police report to file a police report. Navy Federal was not helpful and refused to send me back my original documentation that only has my personal information on the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 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 2021-06-14
Company: EQUIFAX, INC.
State: NJ
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 trying to get these accounts thats showing on my credit that are mine. I have reached out the all I know to try and get this fixed. My coworker told me I need to speak with an attorney and he told me to reach out here. Even as of recently another Bankruptcy came on my credit. At first it only showed on XXXX  and a couple of days ago credit XXXX told me that a bankruptcy came on XXXX  now in addition to XXXX. It is not on Equifax. The other accounts that are not mine are XXXX, XXXX XXXX XXXX, XXXX, US DEPT OF ED, XXXX. There were also some inquiries that are not mine XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. I'm doing this on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2022, There are credit inquiries on my credit report that I don't recognize. I have disputed these inquires but they have not been removed. The company names are attached and highlighted in yellow. The companies listed have not contacted me as the fair credit reporting act requires under federal law. I did not give permissible purpose to the companies listed. It is illegal to furnish consumer information to companies without consumer consent. 

The names of the illegal inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-24
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: Other problem

Complaint:
Unecessary deposits into credit card account of XXXX cents. I have already created cases about such deposits in order of cents earlier, no response from the company. I have filed CFPB cases XXXX. This is quite a manipulative scheme. This is an update to XXXX and XXXX. 

Collapse transaction for Transaction date : XX/XX/XXXX INTEREST REF PURCHASES XX/XX/XXXX XX/XX/XXXX Collapse transaction for Transaction date : XX/XX/XXXX INTEREST REF PURCHASES XX/XX/XXXX Transaction date : XX/XX/XXXX Card type : XXXX Transaction type : ATM Cash Advances or Bank Transaction Merchant information : XX/XX/XXXX Reference number : XXXX Merchant Name : get more information about merchant name change INTEREST REF PURCHASES Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Service Charges/Fees Select to Edit the transaction category Online Purchase : N Type Bank Transaction - {$0.00}

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 monetary relief
Consumer complaint received 2023-08-09
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: Account information incorrect

Complaint:
XXXX, Experian, and XXXX continue to report my student loan account with XXXX incorrectly. The account has been paid in FULL. I have sent several letters to the reporting agencies to have the balance corrected.

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-04-28
Company: Convergent Resources, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Convergent Outsourcing is reporting the EXACT same account twice on my credit report in attempt to " double dip '' and make my credit worse in hopes to collect. They also have yet to provide debt validation I requested. I would like the accounts removed from all 3 credit bureaus since Convergent can not report them properly.

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