BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
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 information incorrect

Complaint:
I'm disputing the status of the loan ( ID : XXXX ) that I got from Affirm. 

On XX/XX/XXXX I disputed the loan to XXXX  since I did not receive the purchased item from the merchant that I used the XXXX  loan for. In this case I was hoping to use the resources that XXXX had on their website to resolve the issue On XX/XX/XXXX XXXX closed the dispute in favor of the merchant, and immediately made the loan past due. Up to this point, I did not receive the product that I paid for, and the merchant refused to refund, or to replace the item. From that point, the XXXX of XXXX XXXX immediately reported to the credit bureau that the loan was 30 days past due, despite freezing the account for 55 days and not allowing for a payment. 
Website : XXXX XXXX XXXX From website : ( After reviewing the evidence, we'll notify you of a decision within 15 calendar days ( it could be up to 90 calendar days at some merchants if you used a virtual card for the transaction ). 
While your purchase is in dispute, you're not allowed to make payments on your loan. )

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 2022-10-13
Company: OneMain Finance Corporation
State: PA
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, this creditor has violated my rights under 15 USC 1681 s602, states I have the rights to privacy. 15 USC 1681 s604a s2, also states a consumer reporting agency can not furnish an account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: Experian Information Solutions Inc.
State: CO
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 received the final payment on my account on XX/XX/XXXX ( this was a bank draft sent directly from my Credit Union on XX/XX/XXXX ). That billing cycle completed on XX/XX/XXXX. On XX/XX/XXXX, I received a check from XXXX XXXX in the amount of {$12.00} as over-payment on my account. They still have not updated my credit report to show that the account is paid in full as of today, XX/XX/XXXX. I called the local branch in Maryland ( XXXX ) where the account originated, I spoke with XXXX, and was told there was nothing they could do to help me. XXXX also said she did not know the phone number to call at their headquarters and I would just have to wait for them to update my account. The number is on the XXXX XXXX homepage ; it's not rocket science. I called the main headquarters ( XXXX ) and had to leave a message, but did not receive a call back. I have disputed this information with all three credit bureaus and none have updated my account information. All three say the lender has verified I still have a balance of {$2600.00} and that the last payment made was in XX/XX/XXXX. This is completely inaccurate and frustrating considering I never made a late payment on that account. If I was behind on even one payment the phone calls and letters from the lender would have been relentless, but now it's okay for the lender to take their time to update my records and tell me I can't even expect a specific date of resolution. I am in the process of applying for a home equity loan and need this information updated immediately. Unfortunately, XXXX XXXX only wants money from their customers and will do nothing to help when the loan is repaid and the credit report should be updated.

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 2020-09-01
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX and XXXX XXXX have violated my rights.

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 2021-01-15
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:
Today XX/XX/2021 i pulled my credit thru XXXX and seen 2 accounts that are not familiar to my credit report. i have never open these two accounts so i have filed a identity theft report with the federal trade commission. i do not know the dates to when these accounts were open but the information is listed in the report i filed. please see attached FTC 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 2020-05-14
Company: CREDIT ACCEPTANCE CORPORATION
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 status incorrect

Complaint:
I contacted the company at the beginning of XXXX to advise them, the information they are transmitting to the credit bureaus as being incorrect, given the fact the account was charged off 7 years ago. The company maliciously and continuously keeps reporting the account as still being open, and having a balance. They execute this erroneous act every 6-months or so.

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 2023-08-21
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: Information belongs to someone else

Complaint:
Unauthorized Credit Inquiries : On XX/XX/XXXX, there was an unauthorized inquiry by XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX and XXXX made unauthorized inquiries. 
XXXX, XXXX, XXXX, XXXX, XXXX  # XXXX, XXXX XXXX, and XXXX all made unauthorized inquiries on XX/XX/XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX  # XXXX made unauthorized inquiries on XX/XX/XXXX. 
Several other unauthorized inquiries were made in XX/XX/XXXX by entities such as XXXX, XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX, and XXXX. 
XXXX made an unauthorized inquiry on XX/XX/XXXX. 
Account Validation Requests : I am requesting validation for an account with XXXX, with a partial account number ending in ****. 
I am also seeking validation for an account with XXXX XXXX, with a partial account number ending in ****. 
Additionally, I am requesting validation for an account with XXXX  XXXX, with a partial account number ending in ****. 
I believe I am a victim of identity theft, as many of these inquiries and account associations do not accurately reflect any transactions or authorizations I have made. 

Previous Attempts to Resolve : I have proactively attempted to address these discrepancies by sending letters via certified mail to the respective companies detailing these issues. However, despite ensuring they received my letters, I have not received any responses or corrections within the XXXX timeframe as mandated. 

I am now seeking the CFPB 's assistance in facilitating a thorough investigation into these matters and ensuring appropriate corrections to 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 2021-11-04
Company: GUARANTEED RATE INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed rate knowing and willfully defrauded me out of thousands of dollars due to errors in my escrow account. This has been going on for almost a full year, i've made multiple attempts to correct with them directly. 

on XX/XX/XXXX guarenteed rate was contacted by my previous insurer XXXX XXXX XXXX  in regards to a payment due for my insurance policy which is escrowed. The payment was to be overnighted to ensure timely payment of the policy. 

On XX/XX/XXXX XXXX XXXX VP of Lending at Guarenteed Rate informed XXXX XXXX XXXX  a payment had been disbursed in the amount of {$470.00}. This payment was never received by XXXX XXXX XXXX. 

On XX/XX/XXXX I contact Guarenteed rate about this payment and again explained it needed to be overnighted to avoid policy cancellation the representative said it would take up to 10 business days to receive the disbursement. 

Due to this payment never being received on time my insurance carrier cancelled the policy and caused a lapse in coverage on my property. This policy was {$470.00} - with this lapse in policy Guarenteed Rate purchased forced placed insurance in the amount of {$3500.00}. 700 % more expensive even though this was caused by there lack of timely payment. 

This caused a significant increase in my monthly payment. In addition to the above I switched insurance carriers on XX/XX/XXXX and emailed Guatenteed rate a cancellation letter on XX/XX/XXXX. Guarantee rate proceed to disperse payment on XX/XX/XXXX for a policy I had already canceled. This once again caused a significant shortage to my escrow and another {$210.00} increase to my monthly payment. 

I've called multiple times, requested an escrow analysis, send documentation as proof, and yet still Guaranteed Rate will not fix my escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: NJ
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  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 2022-10-13
Company: EdFinancial Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund from EdFinancial for all of my payments made during the XXXX payment pause. XX/XX/XXXX {$18000.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} They told me they will submit the request. On XX/XX/XXXX I see that my balance has been reinstated on my account to - {$18000.00} on the EdFinancial website. However, on Friday, XX/XX/XXXX, I see that my balance is back to {$0.00}. I have spoken with EdFinancial On XX/XX/XXXX and XX/XX/XXXX, on both occasions the agents told me that my refund request has been denied because the payment was made by a third party consolidator. I have filed a complaint on CFPB ( XXXX ) that was closed today by EdFinancial with the same information, they are unable to refund consolidation payments. 

I did not consolidate my federal student loan during the payment pause. I had a third party payoff the balance of my loan. 

EdFinancial states : " You may view more information about the XXXX XXXX at https : XXXX ''. It clearly says on that link that " You can get a refund for any payment ( including auto-debit payments ) you make during the payment pause ( beginning XX/XX/XXXX ). Contact your loan servicer to request that your payment be refunded. '' It does not state clearly anywhere on that website that a payment made during the payment pause from a third party consolidator, third party refinancer, or third party <fill in the XXXX can not be refunded. EdFinancial is not adhering to the guidance published by U.S. Department XXXX XXXX XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
Good morning my name is XXXX XXXX. I am contacting this office because there has been incorrect updating that has been affecting my credit score. The negative impacts have been impacting me in a negative way in my current milestone I am trying to reach. I am currently buying my first new home and my credit has been an outgoing factor that has been causing a lot of stress during this time. My mother XXXX XXXX has added me to her XXXX XXXX and Home Depot credit cards which have been helping my score. Her score keeps increasing and it seems mine is taking quite some time or for instance decreasing which is why I am doing complaint. The issue that is happening is that my mother paid off a significant amount of the balance that was owed in both of these credit cards which made her score increase but not mine and now my credit decreased which has not happened before it always increases my score. My credit score was at XXXX and it decreased to XXXX from XX/XX/XXXX until present date. If your office can kindly review my account and complete the changes that need to be done like updating correctly so my score will stop being affected.

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 2021-01-15
Company: The Law Offices of Daniel C. Consuegra
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX, I made an ACH payment to Rent Debt Automated Collection, an account that was under my maiden name at the time. Since then, I have received a collection letter from XXXX XXXX XXXX, dated XX/XX/XXXX for credit card debt in which I owe {$5400.00}. I called and spoke with Mr XXXX XXXX on XX/XX/XXXX to initiate a payment plan. It was agreed and electronically signed to begin making {$270.00} monthly installments on XX/XX/XXXX. However, the payment was rejected by XXXX XXXX as a " non transaction account, '' ineligible to receive this type of payment. I continued to call the collection agency for about a month with no answer, until XX/XX/XXXX. Again, I spoke with Mr XXXX to initiate the payment plan process. Installments are suppopsed to resume on XX/XX/XXXX. My complaint is regarding the timing of receiving debt collection letters. XXXX was the payee, however XXXX XXXX XXXX must have had ownership of my account since XXXX, XXXX when I received their letter. Regardless, not realizing my account was being sold to another collection agency is where my frustration lies. In addition, I have had two more collection account letters for credit card debt under my maiden name from XXXX XXXX XXXX dated XX/XX/XXXX. This collection agency along with the original creditor, XXXX XXXX, is listed as ( 4 ) delinquent ( deragatory ) accounts on my credit file with amounts of {$11000.00} ( 2x ) and {$6200.00} ( 2x ). I began working with a local credit repair company, XXXX XXXX XXXX, in XX/XX/XXXX with no success of the removing deragotory accounts from credit file. Currently, I am working with XXXX XXXX XXXX NY ), who is assisting me with inquiry removals and credit repair. After months of not being able to reach XXXX XXXX XXXX, I finally spoke with a live person on XX/XX/XXXX. Apparantly, my account was transferred to the Law Offices of Daniel C Consegra in Tampa, FL. I spoke with XXXX the same day to initate a payment agreement and have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Experian Information Solutions Inc.
State: TN
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 was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report. XXXX XXXX XXXX XXXX Account Number : XXXX ( XXXX  ),  XXXX XXXX XXXX Account Number : XXXX ( Experian, XXXX, XXXX   ), XXXX  XXXX XXXX XXXX /XXXX  XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX ), XXXX Account Number : XXXX ( Experian , XXXX ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian , XXXX , XXXX ), XXXX XXXX Account Number : XXXX ( XXXX ), XXXX XXXX XXXX  Account Number : XXXX ( Experian , XXXX  ), XXXX XXXX XXXX XXXX Account Number : XXXX ( Experian , 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 non-monetary relief
Consumer complaint received 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 that Credit Bureaus 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. Here are the ITEMS that need to be removed from 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-05
Company: Nelnet, 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: Personal information incorrect

Complaint:
Please consider this a formal Request for Early Exclusion of the Accounts below from my Credit Report. Please investigate and correct inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

2. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

3. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

4. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

5. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

6. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

7. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

8. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

9. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

10. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

11. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

12. DEPT OF EDUCATION/NELNET : XXXX Paid, Closed. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 

Sincerely,

Company response to consumer: Closed with explanation