BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: AZ
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:
TheFair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681et seq, isU.S. Federal Governmentlegislation enacted to promote the accuracy, fairness, andprivacyofconsumer informationcontained in the files ofconsumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in theircredit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, includingconsumer creditinformation. [ 1 ] Together with theFair Debt Collection Practices Act ( FDCPA ), the FCRA forms the foundation of consumer rights law in the United States. 

All three credit Bureau are not reporting credit file correctly I have challenged and disputed information and they fail to correct anything on my credit Bureau 1. XXXX 2. XXXX 3. Experian All three credit Bureaus refuse to obey by federal law they are in direct violation of federal law, statue of limitations they refuse obey by the fair credit act it's a federal law.

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 2021-03-09
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The company did not clarify that they were doing a credit pull, and I was unaware of this until I received a alert on my phone. Fraud and deception took place on XX/XX/2021. I want this removed expeditiously I went back to speak to the representative and complained to her. She stumbled and said its a soft pull. I never authorized my credit to be pulled

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 2018-01-10
Company: EQUIFAX, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX 2014 my husband and I bought a mini van from XXXX XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX 2014 my husband and I bought a mini van from XXXX. XXXX in XXXX Ma. We had nothing but problems form the initial inspection it failed. They fixed the issue ( horn ) but we had multiple problems the entire time we had the van. On multiple occasions XXXX the manager of there auto shop never returned my calls about needing things fixed. We had no choice but to give them the van back. We were not comfortable butting our children in it because we never knew when the next issue would arise. XXXX was very understanding when i showed up to give them the van, they even seemed somewhat aware of similar situations. The problem we are having now is it is listed on our credit reports as a repo and having a balance and it is making it difficult for us to move ahead. We really had no other option but to bring them the van back as we did not feel it was safe for our children to be in.

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 2021-03-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: MT
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX  XXXX  XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 
The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX - XXXX XXXX  - XXXX XXXX  XXXX  ( Original Creditor : 08 XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : 08 XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | 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 explanation
Consumer complaint received 2021-09-11
Company: Duncan Solutions, lnc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from " Professional Account Management '' demanding that I pay {$75.00} for a toll violation committed by someone else with a vehicle I do not own. The letter states that if I have the audacity to object to this demand, a judgment will be obtained. The purported basis for this debt is toll violations committed in Virginia on XX/XX/XXXX with a vehicle that purportedly was registered in my name. I sold the vehicle on XX/XX/XXXX and it was sold to another person and registered in Maryland on XX/XX/XXXX. Thus, there is no basis for the purported debt owed. I have tried calling the number provided on the demand letter from " PAM '' but I have never been able to reach an actual person to inform them that they are incorrect.

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 2018-01-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Recently, I have applied for the program deed in lieu of foreclosure. HSBC has sent me the forms for the process. Again they are requiring forms that have not been sent to me.I wish they would send me all the necessary forms to complete this process. This is an ongoing problem with them. I need the following forms sent to me : 1. Authorization to disclose information form 2. Permission for entry into the Property form.

Can you please have HSBC send the forms to you and in turn to me.

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: EQUIFAX, 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:
Equifax has my social security number mixed up with my sister. 3 mos ago we noticed my truck lease info on my sister credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2017-11-21
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On XXXX XXXX, 2017, I received a phone call from XXXX XXXX XXXX XXXX ( a PayPal debt collection company ) at XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
I XXXX XXXX was in the market of buying a new car. I was told one thing during the time of purchasing the car and after signing of papers and driving off with the car. Going to the bank to have the car refinanced. I was told that the deal that the car dealership gave me was not what I was told. The interest rate is very high to the point that I can't get anyone to help me refinance my car loan. The value of the car is depreciating faster than making the payments and I was told that the trade in was go toward down payment on my new car. But they got my new car and then added a loan onto my car payments for the old car as well as paying for the new one. This is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. DealerXXXX. It was also financed through a company called XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ... .with a 18 percent Annual Percentage rate, Finance charge XXXX, Finance Amount XXXX total of payments XXXX on a XXXX car ... please help me or call me about this matter. XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
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 information incorrect

Complaint:
I sent a letter to all 3 credit bureaus asking to have the information verified that is being reported on my behalf. All I received back was a letter stating that the information has been verified with no proof. I received a letter in the mail from XXXX XXXX XXXX showing the date of my contract, which shows XX/XX/2017, but the credit reporting on my behalf shows that the account was opened on XX/XX/2017 which is incorrect. The balance due/surplus after sale is {$3600.00} however the reported balance on my credit report shows that the balance is {$5500.00}. This inaccurate information is a defamation of my character and I am extremely concerned with the handling of my information.

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 2017-09-24
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a series of loans for my daughters ' college tuition financed by Nelnet. Although my daughters graduated several years ago, Nelnet auto debits my payments each month from my checking account and the interest rates are all fixed. Nelnet is increasing my monthly payments for the second time since my daughters ' graduation dates. I received a notice from Nelnet that it would increase my payments by more than {$130.00} per month. I called its customer service number and requested a management audit of my loans and payment history. I received an updated notice from Nelnet that indicated it would increase my monthly payments by approximately {$30.00} per month. I never received the detailed explanation from a Nelnet manager explaining how my payments could increase if the principal amount loaned did not increase, I did n't miss a payment and the interest rate is fixed.The only possible explanation is that Nelnet is misapplying my payments. Again, I request a full management audit of my loans and payment history, and a senior manager 's detailed explanation of why Nelnet has to increase my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XX/XX/XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder XXXX to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called XXXX the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called Real Time Resolution who said the debt was sold to them and they are collecting it. Real Time Resolution is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally XXXX should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and Equifax refuses to do anything about how it is being reported ; however the other two have updated it. 
My complaint is against Real Time Resolutions and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This my second time complaining about this company they simply respond to me stating the fact that I was righ that this dept was from XXXX XXXX XXXX my complain was that I never did business with this company or XXXX XXXX and I did a Id thief report Ill leave the FTC report number on here! Ill like for this company to remove this dept because its fraud and not accurate!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XX/XX/XXXX to XX/XX/XXXX and was n't disclosed until XX/XX/XXXX. Additional analysis has since indicated that Equifax was breached even before XX/XX/XXXX and was n't disclosed. Equifax was negligent in updating open source software.
Equifax has made poor attempts to help consumers. Calling leads to busy signals or long holds. The complimentary service offered ca n't handle the traffic and is very slow and frequently out of service. 

In a previous complaint Equifax sent a " canned '' response ( noted below ) which directs users to call centers and websites which are frequently overwhelmed and understaffed. 

Thank you for contacting Equifax. We remain focused on consumer protection and committed to providing outstanding service and support. Protecting the security of the information in our possession is a responsibility we take very seriously and we apologize for the concern and frustration this cybersecurity incident causes. We have developed a comprehensive portfolio of services to support all U.S. consumers. Please refer to our dedicated website, https : //www.equifaxsecurity2017.com, for the latest information and updates or contact our dedicated call center at XXXX. The call center was set up to assist consumers and is open every day ( including weekends ) from XXXX XXXX XXXX XXXX Eastern time. 

If the same response is provided again, we can gather that Equifax is n't even reading complaints and further action should be taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I currently have about {$250000.00} from undergraduate and medical school in direct student loans serviced through FedLoan Servicing. My student loans were transferred to FedLoan Servicing in XX/XX/XXXX after I submitted documentation and certification for the Public Student Loan Forgiveness program. I have been making qualifying payments for this program every month since XX/XX/XXXX while working under federal non-profit 501c3 entities. This program requires 120 payments after which remaining student loan debt is forgiven. In order to assess progress, an accurate payment count is essential. FedLoan Servicing has been in the process of calculating my payment count since XX/XX/XXXX. I have called multiple times to check on the state of the payment count in the last year and have been repeatedly told that the process " just takes time. '' They can not give me any reasonable estimate of when the payment count will be counted. Their website lists 7 qualifying payments. By my record, I have made at least 60 qualifying monthly payments. In the meantime, I continue to make significant monthly payments in the hope that the FedLoan will eventually straighten my account out. After over a year of waiting, I would like to submit a formal complaint regarding the poorly efficient, inaccurate and incomplete customer service that FedLoan Servicing is providing to borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: EQUIFAX, 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:
I am so angry and frustrated with Equifax and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help.

The companies I am reporting are 1. EQUIFAX 2. XXXX XXXX ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and Equifax is by far the worst credit bureau to deal with.

Company response to consumer: Closed with non-monetary relief