BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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:
I have file disputes with all 3 credit bureaus back in XXXX and yet have heard anything. I understand that with covid things are slow but still should not take 40plus days to get results

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 2023-08-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
collection account is showing as open and is allowing the creditor to keep updating the status and balance on a closed account. this is violation of metro 2 guidelines

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 2022-06-16
Company: EQUIFAX, INC.
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:
In accordance with Fair Credit Reporting, the XXXX Account # XXXX, XXXX, and XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file, that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have made arrangements to pay off the {$3200.00} that is owed. I do not owe {$12000.00} because the car was returned. I know longer have possession of the car.

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 2023-05-26
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX Account # XXXX has violated my rights. 


15 U.S. Code 1692c - Communication in connection with debt collection - ( a ) Communication with the consumer generally 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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies I HAVE THE RIGHT TO PRIVACY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello, XXXX or whatever your name is. You seem confused so let me re-iterate. I informed you that your company illegally refused to close a fraudulently opened account without illegally forcing me to agree to terms I was not subject to. Since you are relaunching a fraud investigation but also refuse to log this illegal behavior by your company let me help you. I have reported your company 's illegal action to the DOJ as well asthe State AG + office of Consumer Complaint Department of New York. 

Oh and since it's already logged you refuse to take accountability and I assume you personally already listened to the audio and have no problem with your employee 's illegal behavior it involved you too. I want to inform you I am asking now, in written form, which under Georgia law you have 30 days to reply to, for your insurers information. You have victimized me criminally and illegally neglected your companies fiduciary duty to me and I want to make a claim. You have 30 days to comply under Georgia State Law before I inform the Georgia State AG of you have refused to comply. 

Your company 's representatives have tortuously interfered with my ability to conduct business due to your illegal actions for which American Express is liable for and which I have laid out here. Your company Illegally intimidated and coerced me to agree to terms to terminate a fraudulently opened account in violations of your legal and fiduciary duty, for which your company is liable. 


Now again I informed your company of criminal behavior, Illegal on both state and federal level, XXXX XXXX and want to note now, you have obviously researched this and refuse to acknowledge it. Thank you for that confirmation. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I applied for three Private Student Loans through XXXX XXXX in XXXX, XXXX, and XXXX. 

A few years ago, about XXXX, XXXX XXXX left the student loan business and Firstmark Services became the servicer of my loans. 

I received notification from Firstmark in XXXX, while I was still in medical school, that my all of my loans had entered repayments because I had " exhausted in-school deferment. '' When I called and spoke to a representative of Firstmark Services, she did not know what this term meant. She placed me on ( lengthy ) hold three separate times in order to figure out what was going on. When she did provide an explanation, it was ill-explained and did not correlate with any of the terms in my original promissory note. 

I then called the XXXX XXXX Student Loan Department, who is the original provider of these loans now. They had never heard of " exhausting In-School Deferment, '' nor is it in any of their contracts. 

Firstmark is refusing to reconcile this, and says I must begin making ~ {$500.00} in monthly payments starting next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: LA
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, 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 discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
USCB America has called me multiple times per day from multiple 855 area code phone numbers. If I answer, I get a robocaller message. If I don't I get the same automated message with the only option to call some 800 number. I actively monitor my credit report and owe no debt that is in arrears. I would like this harrasment to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
In accordance with Fair Credit Reporting, the XXXX Account # XXXX, XXXX, and XXXX 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, states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
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:
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. 

XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion has suspended my account multiple times not allowing me to manage my credit report freeze. The app that previously I was able to use to manage my credit report freezes now require a payment to use. I have called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2022 and they have consistently failed to provide me the ability to unfreeze my credit report. They have prevented me from obtaining financing for a home once already and may prevent me from obtaining financing for yet another 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
Consumer complaint received 2023-09-18
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I accidentally made an double payment at the end of my lease term in XX/XX/XXXX. I called that same morning to alert them and they stated they could not reverse the charge and since it was the end of my lease the only option would be to send me a refund check. Needless to say this created an ongoing issue where they never actually sent me a check and furthermore, never credited the extra payment against my account. When i extended the terms of my loan another 6 months and was told this was all taken care of and the payment would be applied, I was erroneously reported as 30 days past due in XXXX. Had to make more phone calls, they assured me they would fix it and I was reported again in XXXX of XXXX. They put me through so much stress and effected me financially. I spent hours over those 5 months on numerous phone calls, speaking to numerous specialists, getting collection calls and letters every day. The worst experience I have ever had. Each time they said the call was recorded and that they were sorry and everything would be resolved, so there should be no issue to investigate and remove these derogatory marks from my report which have already caused my APRs to increase on my other accounts and caused my auto purchase to have an outrageous payment and my refinance to be denied. This is effecting my credit and my life. They have put me through so much stress, all because I made an extra payment at the end of my term and they didn't know how to handle it. Please look at my credit history, I am not XXXX to be past due on my accounts. Please help! I already reported through XXXX and sent letter to XXXX and they continue to do nothing. I attached a file with further explanation.

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 2023-09-18
Company: DISCOVER BANK
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
I filed a dispute with discover for a company not honoring their return policy and not letting me return my products on XXXX for {$2800.00}. I provided all the proof that this was true and Discover does nothing and sides with the merchant : Ive heard the horror stories before that Discover never sides with the user on disputes. I wonder be using this card in the future

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America on two separate occasions opened an account with my information without my permission. I have no history of any accounts with them and have never applied for an account. The account was applied for using an old address, oXXXX I have not lived at since XXXX. 

Occurrence one : I received an email that an application was approved on XX/XX/XXXX for a Bank of america XXXX XXXX balance banking account. I reported this to their fraud divisions and the account was closed. 

Occurrence two : I received an email that an application was in progress and then approved on XX/XX/XXXX for an XXXX XXXX balance banking account. I contacted them to close the account and report the fraud but I still received mail and email communications with them. 

The account has no deposits made on my behalf but it has not been closed and looks like no one is using it for fraud activity. I have not attempted to log in to the account at all.

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 2022-04-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

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 2023-09-18
Company: FIRST ADVANTAGE CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted my background check on XXXX. It is now XXXX and my date of completion is continually getting pushed back. I have been contacting them by in web messaging, only to be told the same exact thing like a generic message, I called the on the company phone multiple times. They e either hung up before giving me a case number or told me generic responses. One of the persons on the phone told me that my background check is completed and sent to my hiring manager. First advantage has lied to my hiring manager. Told them my background check was completed and that they sent them the results. My hiring manager didnt receive it that day or the next 5 days. They lied to get us off the phone with them. Then they say they cant get ahold of the courthouse. I have done my background check with first advantage 8 months ago and got my background done in 5 days. I then applied at XXXX delivery company and got my background done in 3 days by checkr. Ive done a background check with 2 other companies and have gotten background checks completed within 5 days. This is a profile advantage/ first advantage issue and they are conducting their company. maliciously at the cost of our jobs pending. The last person I called said Id have to wait till XXXX since its Friday and they dont work on the weekends this is the Case number # XXXX I told her to please help me before I complain about the company and she hung up. She also told me this ( XXXX ) I am applying at XXXX and XXXX because at this point I dont have an option and need to start making paychecks to be able to pay my next bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out. When I did not receive a response I sent a a second letter and again still did not get a response. I now have reason to believe that I am getting ignored by the credit bureaus due to their negligence to respond to my request.

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