BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-05
Company: Nelnet, Inc.
State: MI
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:
To Whom It May Concern, According to USC 6827 Department of educationXXXX XXXX has violated my rights ( 1 ) Customer The term customer means, with respect to a financial institution, any person ( or authorized representative of a person ) to whom the financial institution provides a product or service, including that of acting as a fiduciary.

( 2 ) Customer information of a financial institution The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer.

( 3 ) Document The term document means any information in any form.

( 4 ) Financial institution ( A ) In general The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution.

( B ) Certain financial institutions specifically included The term financial institution includes any depository institution ( as defined in section 461 ( b ) ( 1 ) ( A ) of title 12 ), any broker or dealer, any investment adviser or investment company, any insurance company, any loan or finance company, any credit card issuer or operator of a credit card system, and any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis ( as defined in section 1681a ( p ) of this title ).

( C ) Securities institutions For purposes of subparagraph ( B ) ( i ) the terms broker and dealer have the same meanings as given in section 78c of this title ; ( ii ) the term investment adviser has the same meaning as given in section 80b2 ( a ) ( 11 ) of this title; and ( iii ) the term investment company has the same meaning as given in section 80a3 of this title.

( D ) Certain persons and entities specifically excluded The term financial institution does not include any person or entity with respect to any financial activity that is subject to the jurisdiction of the Commodity Futures Trading Commission under the Commodity Exchange Act [ 7 U.S.C. 1 et seq. ] and does not include the Federal Agricultural Mortgage Corporation or any entity chartered and operating under the Farm Credit Act of 1971 [ 12 U.S.C. 2001 et seq. ].

( E ) Further definition by regulation The Federal Trade Commission, after consultation with Federal banking agencies and the Securities and Exchange Commission, may prescribe regulations clarifying or describing the types of institutions which shall be treated as financial institutions for purposes of this subchapter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX continues to report erroneous information on my credit reports. The account is reporting a charge-off as the first entry in the payment history and shows shows incorrect opening dates. The accounts also has been re-aged with the credit bureaus which is a clear violation and it makes it appear as if they are newer than they should be. I have disputed the XXXX XXXX XXXX account on my credit report two separate times with the latest attempt on XX/XX/2019. If the information being furnished is accurate why are there different dates reported? The results are that these disputes are still being furnished as verified despite no real investigation being done.

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 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
How come everyone recognizes my complaint as a repeat, nobody recognizes they never answered my question. What is truly amazing is nobody at cfpb recognized that TransUnion response is a form letter. Here we go again. OK so lets start out again this is a repeat probably 1015 times over. Trans Union keeps telling me I need to go to XXXX XXXX. I keep telling TransUnion I did go to XXXX XXXX. Trans Union keeps stating that all they do is report was given to them. Yet the last time I called Trans Union they claim that a report was never given to them stating that I was delinquent. Yet Trans Union did show me delinquent. And again to re-iterate XXXX XXXX  has given me documents showing that they never showed me as delinquent. So again I ask why did Trans Union report me as delinquent with no such report or information was ever given to Trans Union. So lets repeat everything Trans Union keeps telling me to go to XXXX XXXX. I have multiple times. Trans Union keeps claiming that all they do is report was given to them. Yet they refuse to give up a copy of this so-called report. Why will not Trans Union give me a copy of what they claim they have. Yet when I called Trans Union they claim they didnt have it. Trans Union cant tell me why they showed me as delinquent all of them as a guess someone screwed up at TransUnion. What happened at TransUnion is my question. Again I have gone to XXXX XXXX  many times so stop telling me I need to contact XXXX XXXX. Nobody ever reported to Trans Union that I was delinquent. Yet Trans Union showed me as delinquent. Why Again, TransUnion told me they have no report from XXXX XXXX. Yet TransUnion showed me delinquent with XXXX. TransUnion doesnt read my complaint. 

TransUnion never received a report showing me delinquent, yet TransUnion showed me delinquent. Why? Answer the wuedtion

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 2019-08-11
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
XXXX continues to allow erroneous and inaccurate information on my credit report regarding a Macy 's account. There are numerous issues with this account. XXXX has allowed the re-aging of the account to show a later delinquency than the original delinquency. Two attempts to dispute the item were met with no real investigation and claims the item was verified with the latest attempt occurring on XX/XX/2019. Macys is providing inconsistent and inaccurate reporting through the three credit bureaus. If the information being furnished is accurate why is the reporting different between each bureau? Furthermore a charge-off is a one time event so why is it being reported every month as a new charge-off? A charged-off account is written off and should also not have a past due balance. Please refer to the attachment for all the inaccuracies.

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 2023-04-14
Company: EQUIFAX, INC.
State: MI
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX ) XXXX : {$530.00} ; XXXX XXXX Balance : {$71.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My son has been working for a year, has great credit and just moved into a new apartment. XXXX XXXX XXXX was using Equifax for their application process for internet service. They put a freeze on my son 's account and asked him to fax some information to them. Then they told him it would be up to a month to resolve the freeze they put on his account but wouldn't tell him so he needed a co-signer. I agreed then they told him I had a freeze. Their response was, " we apologize. '' I asked to speak to a supervisor and her response was, " we apologize ''. I asked them for resolution as they apparently are randomly freezing people files and was again met with, " we apologize '' repeatedly. No information, no research, just " we apologize ''. How can they just freeze peoples account for no reason while asking for check stubs and social security information? Don't they have that or is it they're most likely tying to update their demographic information to sell? This is the literal definition of abusive practice in UDAAP. Who is making them accountable for their abusive practices on the public with no merit, no explanation, or timely resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TD BANK NA XXXX IS ILLEGALLY REPORTING late payments on an account that NEVER belonged to me. 

This has been repeatedly requested to be removed by the vendor BUT they have not complied

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have over 21 closed accounts that should have been removed after they were closed. I have made multiple phone calls trying to get this solved and no answer. That was the agreement. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls from different XXXX numbera daily. Harassing me. Asked them to stop they continue. Refusing to tell me who they are. Making me identify myself without them tellikg me who they are. Asking for my social. Smart tone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have 2 loans with XXXX XXXX in XXXX, PA ( formerly known as XXXX XXXX XXXX XXXX ). I am having issues paying on the larger payment loan ( $ XXXX/mo ). I have done my best to keep up with the payments but due to illness and income issues, I have fallen behind and a friend brought me current 2 months ago. Because of communication problems with XXXX, it was established that my account was only to be handled by a manager, however, today a rep from XXXX  showed up at my residence demanding that I bring the account current and requesting a post dated check. When I told her my bank does not allow me to issue checks unless I get them preauthorized ( to guarantee funds availability ) she became abusive and harassing. I believe I have legal protections that shield me from being harassed or abused about the debt and I need help in getting this practice stopped. They have already discussed personal information about the debt to a non-authorized person and this needs to be stopped, as it is unacceptable. 
Any assistance you might provide is appreciated. 
Respectfully, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-19
Company: ALLY FINANCIAL INC.
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I went to get a used van and was sold a bad vehicle to begin. The car has been in and out of the shop causing me ridiculous fees since the first month of obtaining it from the shady dealer. The interest rate of almost 10 % was way to high for my credit class and the dealer took advantage of me and committed deception and fraud while selling me the vehicle. In 3 years I've paid enough payments to cover the car but it has all went to interest and not the princial. Then as I spend money fixing it they repoed the bad car I was sold. I redeem it but as a single mother of XXXX kids this is not fair to penalize me on my credit after taking all my momey.

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 2020-11-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I contacted Equifax today ( XX/XX/2020 ) by telephone to unfreeze my credit. I went through 8 minutes of recorded questions and provided appropriate responses including my cell phone for a code. No code was sent to my cell phone. Ultimately told to contact Equifax by U.S. mail.

I then tried to use the Equifax website, but Equifax would not provide me with access to re-set my password of which I have no record. Equifax 's site said it would provide me with a link to resent my password via email, but never sent me an email.

Not only did I waste twenty minutes with this incompetence by Equifax, I am unable to unlock my credit report. No excuses. This is unacceptable conduct for a credit reporting agency which I am forced to deal with against my wishes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I repeatedly get calls everyday from this company from different phone numbers. No one leaves a voicemail or tells me why they are calling. I do not know this company and do not owe anything to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: DC
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:
The closed account " XXXX XXXX XXXX '' Account number XXXXXXXX XXXXXXXX is being reported as a closed mortgage account with the status " Foreclosure process started. '' THIS WAS NOT A MORTGAGE ACCOUNT. THERE WAS NO FORECLOSURE. It stems from a debt I owed to the US government due to being overpaid for a period of time ( unbeknownst to me until I got a debt collection letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2021 for {$600.00} I informed my bank NFCU that I was involved in a scam through XXXX. They denied my claim. 
It turned out to be a current NFCU member who was involved in this scamming transaction. 
My issue was that since all parties are NFCU members, then this type of action should be deemed unacceptable and some type of action need to have taken place towards the scamming individual. And I should receive my money back. I'm not satisfied with the decision made by my financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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: Information belongs to someone else

Complaint:
I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this XXXX   website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was XXXX. XXXX has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.

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 2017-12-21
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of XXXX, I spoke with American Education Services about a forebarance on my loan. This was granted from XXXX - XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a collection agency calls me because my loans are 37 days late. 

They verify the the status of the loan was forbearance and stated the servicer was attempting to still debit my account. So, while offering me an entitled forbearance, they were also attempting to debit my account, and reporting me to the credit bureau. 

When I spoke with AES via email they stated no, there was not forbearance on the account. Only one that was not yet approved submitted XXXX/XXXX/XXXX. I had faxed for additional time. 

This is just one of many issues with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-11
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:
I check my credit somewhat infrequently. Today I was trying to apply for new credit cards to help with my month to month expenditures. I have been using this creditkarma website for a few years now. I saw that my credit score had been very different. I have 2 different scores. I froze my credit on 2 of the 3 major credit reporting agencies. The one I had difficulty with was Transunion. Transunion has a car loan that does not belong to me, a wrong last name, wrong address, and wrong mobile number. I have received student loans, and financial aid with my Social security and my name. I have my original social and know that my information is correct. But all of a sudden there are loans that should not be there. I tried to get the information fixed. Like how maybe it was an improper merge? However the person lives in the same city and not too far from me, from what the address of the individual who is not me has on my credit report. I can't log into one of the credit reporting agency websites because it asks me about loans and locations I never applied for. I need help desperately please.

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 2023-10-07
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Incorrect personal information is on my 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 2023-09-21
Company: DISCOVER BANK
State: MD
Product: Credit reporting 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 recently reviewed my credit reports and was made aware that Discover Bank is sharing information with consumer reporting agencies that should be excluded from my report and is in violation of my consumer rights.

Company response to consumer: Closed with explanation