BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've contacted them several times about the identity theft on my report on the hard inquiries yet they are still on, these are FRAUD!! I didn't give any written permission to use run these inquires according to 15 usc 1681b. and accoring to 1681c I request a block immediately which according to federal law you have 4 business days after receiving this request but the only thing is I sent this request in on Monday XXXX days ago you guys are late 15 usc 1693n you guys are in criminal violation.

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 2022-10-27
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Phone : XXXX Email : XXXX Re : XXXX XXXXXXXX XXXX Dear Sir or Madam : I, XXXX XXXX XXXX XXXX am writing to inquire about financial assistance. My purpose for this request is due to a previous student loan exceeding the limit due. I had a student loan at my previous school XXXX University which I attended from XXXX to XXXX. 

Presently, I am enrolled at the XXXX XXXX XXXXXXXX, and I am in the dissertation phase of my studies. I began my studies at XXXX University in the fall of XXXX. Unfortunately, I had to take a leave of absence in the fall of XXXX due to an unforeseen fire. Due to the catastrophic fire and being displaced, I had to take a leave of absence for a year. 

As mentioned, I previously attended XXXX University and was, at that time, in the dissertation phase of my studies. I had completed all the requirements that were necessary to be at the dissertation phase of my studies such as passing the XXXX XXXX and doing the residency requirement which includes XXXX residencies. I informed XXXX University with written consent that I needed a one-year leave of absence. However, in spite of being advised that due to circumstances outside of my control, such as my house taking more than a year to be reconstructed and having to take care of my XXXX mother, XXXX University denied my request for leave. 

In this case, I subsequently enrolled in the University XXXX XXXX. I verily believe, however, that I would never have had to go to another school and take XXXX additional classes if XXXX had reinstated me. 

I respectfully request that I be considered for financial assistance to complete my present curricula and qualify for my degree. I pray that this consideration is granted and not denied due to the outstanding financial obligation for XXXX University. 


Sincerely ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Client is wanting to save her home and has the means to do so - the loss mitt package was submitted to the lender XX/XX/2016 - 7 days prior to the sale date of XX/XX/2016 - the lender is not postponing sale to allow the review, they are now in violation of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have had a very difficult time with Nationstar. It originally started with XXXX, then XXXX XXXX XXXX. I am now with Nationstar. I have never been offered help to save my home. I am 9 years late with an 8 % mortgage. We are over our hardship and would like to apply for a modification. We have never received a modification. Nationstar is saying XXXX XXXX is our investor and they do not do modifications. They refuse to offer help to save my home. I know for a fact that is not true, XXXX XXXX does loan modifications. For the the past 9 years the lenders would not help me with modification to avoid a foreclosure. Because of there dysfunction by mortgage is huge from interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Personal information incorrect

Complaint:
Experience, XXXX XXXX, XXXX all have many names and different addresses and they are not me nor are mines and some how my information was involved in a data breach and this has caused my very personal and important information is out everywhere and lately I have been getting lots of emails saying that I owe companies and also everyday Im getting calls even when Im at work or at home and this is stressful when these people have handed out my information!!!!! 
I had to get a lock for my social security number and yet people are still harassing me daily and its all experian, XXXX XXXX, and XXXX fault!!! I only have a first and last name only My address is a private mailbox. So how could these people have information when I didnt give them permission to them!!! My first name XXXX and I dont have a middle name and my last name XXXX! So who is those other names and addresses??? I have a private mailbox!!!

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 2023-01-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid 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:
From the year XXXX to XXXX a former bookkeeper for the business was fraudulently using a business credit card to make purchases from XXXX, XXXX XXXX, XXXX, etc. to the amount of {$23000.00} This was not recognized until she was already fired for payroll theft and we were going back through the records. It was hard to differentiate our XXXX purchases from her XXXX purchases so we decided to call XXXX to verify. We were able to get a XXXX on the phone and she was able to help us go through the many transactions that were there and let us know which ones were fraudulent and which ones weren't. I spent no less than XXXXXXXX XXXX  on the phone with this particular XXXX going through each individual charge, what it was and who made the charge. She was also able to let us know that this bookkeeper had XXXX credit cards linked to her XXXX account that did not belong to her. After we discovered the XXXX fraud we then noticed that there was fraud by XXXX XXXX. We also have XXXX XXXX for our business and when we went back and looked we were being charged XXXX every XXXX by XXXX. Once for our cell phones and once for the bookkeepers entire family cell phones. This was not just her phone, but everyone in her family. Once we had gathered our information we immediately notified the police and Wells Fargo. Wells Fargo rejected the fraud because she was a bookkeeper for the company. We never gave her the credit card to use and she never had it in her possession. We do not know how she was able to obtain the number. Once Wells Fargo denied the claim we had our attorney send them a letter with more information. He also called Wells Fargo to try and resolve this to no avail. The bookkeeper has since been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for these credit card charges but we still have not received any help whatsoever from Wells Fargo other than for them to tell us that they denied the claim. We would appreciated any help that we can get. This process has been prolonged due to XXXX and the court system being backed up.

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 2023-10-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestisgate the completenesss and accuracy of the list of accounts below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX 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 itemsof information other than records of convictionsof crimeswhich antedates the report bureau more than 7 years 15U.S.C 1681s-2 ( a ) ( 1 ) A person shall not not furnish any info relating to a cusumer an person knows or has reasonable cause to belive that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: FL
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I believe I was incorrectly charged fees of different kinds by Wells Fargo when I had an account with them between 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 2018-09-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX I applied for a XXXX XXXX XXXX Credit card through chase bank - I as approved for an {$18000.00} credit limit - I got an activated the card and charged about {$10000.00} on it in XXXX - I made a {$4800.00} payment in XXXX - I also charged a new approx {$4000.00} charge in XXXX - I went to usethe card the other day and it was declined - I called chase bank and was told chase closed the account but they could not disclose the reason to me - now this iis negatively affecting my credit report by having a new account that was closed with a balance on it and also caused me to have to apply for new card at a different bank which also negatively affected my credit score - all payments were up to date and i was never behind nor ever over the limit - in addition I am XXXX  XXXX with XXXX and this will affect that account as well - card number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX synchrony bank- XXXX XXXX XXXX- closed my account. I had never been late, nor did I miss a payment- for them to just close my account- with a balance remaining. I had called, and a representative told me that they closed the account due to high balances on my credit. I had explained that if they had looked at my report- they will see that I have NEVER been late, or missed a payment! Not only did they close my account- they stopped me from having access through the app! I asked why would you stop me from accessing the app, when I make my payments through there, and the rep stated I needed to go directly to the website. But why?! How can they treat paying customers like this?!

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 2023-07-13
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-04-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Reporting Act, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2023-04-27
Company: EQUIFAX, INC.
State: NJ
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 wereincorrect. 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible. 
XXXX XXXX XXXX : {$330.00}.

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 2021-04-15
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Due to an error on your Macy 's website account login I resulted harmed in my credit report and I seek a correction. 

Please read below. 

When I signed to a new credit card XXXX XXXX ending in XXXX, I had to add the card to my Macy s account online by entering the : CARD NUMBER / NAME AS IT APPEARS ON YOUR CARD / SECURITY CODE / LAST 4 DIGITS OF THE PRIMARY CARDHOLDER S SSN. 

That is why I did but I could never activate the credit card due to an error in the information provided ... this delayed me the process of paying the credit card as you will see further on. 

The problem is that the website asks for THE NAME AS IT APPEARS ON YOUR CARD. The name that appears in my card XXXX XXXX is XXXX XXXX, which is different from the name which I was supposed to provide XXXX " A '' XXXX XXXX customer support explained my name was supposed to be different ). Why should I have provided XXXX " XXXX '' XXXX? If that is not the name that appears on the XXXX credit card? 

Now, if you ask me to input the name as it appears on my credit card, I will do it. Right? Why should I enter a different name? 

This mistake from your end led me to not activate the credit card and have an unpaid balance of {$87.00} dollars which I carried for over 90 days and resulted in you reporting to the credit report bureau. 

I called to explain this situation to Customer Service but they replied they can not do nothing about it and they could not care less. 

But now I am seeking to get a mortgage for my first home and this mistake from Macy 's end is jeopardizing my future. This is not fair. 

I am a good customer of XXXX, always buy some XXXX XXXX pants only in Macy 's and now shirts to go to work. Why should I get criminalized from a mistake on your end? 

This is not fair. This is not an I forgot to pay. This is an inability from Macy 's end to add an additional card with the proper name. 

This is one of those errors which need to be fixed from Macy 's end.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX  years old, graduated last year and when I recently learned XXXX it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with 4 inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and 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 2023-07-13
Company: Experian Information Solutions Inc.
State: CT
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove this account which is found to be opened due to identity theft. The dispute item does not belong to me. Please remove this file. If you feel there is a possibility this account belongs to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

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 2022-10-27
Company: Telsa Motors Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I have car financed by Tesla finance, I was planning to pay off my car early so I make partial payment to lower the principal after I confirm with them, so I did pay {$41000.00} and I reserve and email saying the payment can not go to the principal and it will go for the monthly payment. 
I ask them to return my money back and they agree to return it back, it's been 2 month now and I still didn't get my money back and they keep taking interest on my payment, I contacted them no one answer the phone, I email them and they keep ignoring me they put me in really deep financial problem and I want my money back 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