BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2021-03-08
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Credit Collection is attempting to collect a debt and report 2 accounts on my credit file ( XXXX & XXXX ) for a debt I never got notice on.. The min I saw it on my credit report I paid them. They should have never been posted on my credit and they need to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Experian Information Solutions Inc.
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:
Hello, my name is XXXX XXXX and the reason i am writing is to correct an error that i see on all of my credit score reports. I have contacted The Creditor " XXXX XXXX multiple times everyday and they still do nothing to resolve the problem on my Credit report. Here is The Credit Card XXXX : XXXX XXXX XXXX XXXX. " XXXX XXXX '' is reporting a false missed payment on my report. I called " XXXX XXXX '' and i spoke to Supervisor XXXX XXXX and he agreed that it was a mistake on behalf of XXXX XXXX and that all my payments were on time and that i should see no late payments or missed payments on my credit reports. I am asking them to please correct this error on my report. After waiting 1 month the late payment still shows on all of my reports, i called The Creditor " XXXX XXXX   again and i spoke to Supervisor " XXXX XXXX '' and i sent him proof of my bank statement showing more than enough balance to make the payment and he saw that i did have enough funds in my bank account to pay the balance and he also saw that i made multiple payments and The Creditor " XXXX XXXX kept reversing my payments. The Creditor " XXXX XXXX  is giving me a hard time, i am a single mother and this credit score is affecting my character as a consumer, i have spoken to my lawyer and he saids this is defamation of character and that i can be compensated for this, he also said to try reaching out by the Cfpb to see if anything could be solved before filing the lawsuit. I have been disputing this issue for 2 months and they have yet to resolve the problem.

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 2022-09-22
Company: EdFinancial Services
State: VA
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:
On XX/XX/XXXX I requested a refund of {$6900.00} which is the total amount paid between XX/XX/XXXX to XX/XX/XXXX from EdFinancial Services. Currently, my loan balance is {$0.00}, which is not reflected of the refund I requested. 

Edfinancial Services did not provide a written confirmation for the refund request as they claimed they do not provide written confirmations. I have since followed up once through phone to check on the status of the refund because my loan balance is still not updated to {$6900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have sent letters to all three credit reporting to have investigate the in accurate information being report. 

on all three reports XXXX XXXX is reporting that I paid as agreed from XXXX  XXXX 2019 but, in XXXX it reports I was 60 days late and in XXXX and XXXX 2019 the vehicle was repo. This information is inaccurate and should not be reported on my credit. 

The are also reporting this as a charge off but, stating I owe a pass due amount of {$9300.00}

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 2021-03-09
Company: Experian Information Solutions Inc.
State: GA
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:
Well, Experian always uses the lowest score cs the other bureaus and Experian is always updating late information. 

One company told me that experian uses scores 2-9 most use the highest score on a scale of 8. This practice I find is highly unconscionable to hard working citizens. Mostly all of the bureaus have been confiscated of our private information in some way shape or form. Yet, experian is the only bureau that will report rental history and updates behind and uses the last lowest score above all the rest. Can anyone look into this and do something about these bureaus reporting incorrect 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 explanation
Consumer complaint received 2022-09-22
Company: MOHELA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Ive never received my loan. When I contacted my loan servicer that told me to contact my school which was XXXX University ( I was taking online classes at the time ) and the school told me they issued out my loan and to contact my loan servicer. But at the end I never received it. This was in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: NC
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I am filing this complaint for myself not anyone else. Remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: FL
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 am a Consumer and a natural person who is aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the FCRA 15 USC 1681, everything must be 100 % accurate. I was not provided a copy of the completed investigation. 

I have a list of accounts below : XXXX. XXXX XXXX XXXX Account : XXXX XXXX.DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX Account XXXX XXXX Inquiries : XXXX : Inquiry date XX/XX/2022 XXXX XXXX XXXX- Inquiry date XX/XX/2022 XXXX XXXX XXXX XXXX-Inquiry date XX/XX/202XXXX XXXX XXXX XXXX -Inquiry date XX/XX/2022 XXXX XXXX -Inquiry date XX/XX/2022 XXXX XXXX XXXX-Inquiry date XX/XX/2022 XXXX XXXX-Inquiry date XX/XX/2022 XXXX15 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 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s- @ ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-09-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Citicard. I had a deferred interest promotion which expired on XX/XX/XXXX. Before my deferred interest promotion expired, I also obtained a flex loan from the same credit card. The deferred interest was 0 % and the flex loan at 5.99 %. 

Under 12 CFR Part 1026 ( Regulation Z ), XXXX XXXX. i. states : ( i ) Last two billing cycles. The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic payment consistent with paragraph ( a ) of this section, except that, during the two billing cycles immediately preceding expiration of the specified period, the excess amount must be allocated first to the balance subject to the deferred interest or similar program and any remaining portion allocated to any other balances consistent with paragraph ( a ) of this section I attempted to pay off my deferred interest balance in XX/XX/XXXX and again in XX/XX/XXXX, prior to the expiration date of my deferred interest balance XX/XX/XXXX. Citi allocated the minimum to my deferred interest balance 0 % and the rest to my flex loan 5.99 %. They told me that they had to make the payment to the flex loan per federal regulation that requires the extra payments go to the higher interest rate. Clearly, they are not following section b of the reg cited above. Addtionally, prior to my payment in XXXX, I reached out to Citi via the chat feature to make sure that my payment would be applied with the minimum to the flex loan ( 5.99 % ) and the extra to the deferred interest balance. The Citi chat person told me that is how it would be applied. Additionally, when making the payment online, I clicked the payment option stating " pay Adjusted New Balance plus Flex Plan Monthly Payment '' which was the exact total of my remaining deferred interest balance plus the minimum payment of the flex loan. Clearaly, any reasonable person would assume by checking this box their payment would be allocated per the stated payment option! 

The result is that I am now stuck paying the 22.49 % interest rate on the remaining deferred interest balance that I attempted to pay off twice! My interest is now higher every month. This is clearly unreasonable and it does not follow 1026.53 b.

I hope that you will look into this and rectify it. Clearly section 1026.53 b. was drafted becasue of this exact situation. A consumer should not be forced to pay interest on a deferred balance when they've attempted to pay it off more than once. 

Thank you for your time.

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 2023-12-16
Company: Nelnet, Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In 2015 I started paying back my student loan with department of education, special program so they stop talking my taxe returns and paid it all in full through the department education payment program!. Now there is three loans instead of one with Nelnet company that calls them selfs the handles of student loans!. I told them they are full of XXXX all of my student loan is all paid and done!. Thats what I was told by the department of education!. That my loan was all done through their payment program!. Which may be a scam like everything else out there that is scamming people out of money!. They are saying my {$900.00} balance is now XXXX and counting and its split up in to three pieces!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: EQUIFAX, INC.
State: IL
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:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 USC 1681 section 602 A, states I have the right to privacy. 

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: BSI Financial Holdings, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I submitted a written request to the mortgage servicer providing them a copy of my tax bill for the property taxes. I also asked for the following : I received the first tax bill for my home today, which was new construction. I believe it needs to be paid from the escrow account. Please find it attached. 

Also, it seems the escrow account is overestimated by 38 % per month since it was estimated given that the house was new construction. I believe that I am due a refund, in addition to needing the monthly escrow amount reduced by 38 %. How do I request an escrow analysis be performed? 

I followed up this request several weeks later after no response was received and was told that I would receive a response by XX/XX/XXXX. I received no responses from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
For the past week ( XXXX ) I kept getting daily repeated calls from a number that came up on my phone as " Scam Likely '' ( XXXX ). I listened to the voicemails that said in an automated voice " XXXX we have made several attempts to reach you via phone and at the address on the record we've been unsuccessful, due to no response the documents are deemed undeliverable one final attempt will be made at your place of employment ''. On XX/XX/XXXX I called and spoke to XXXX with XXXX XXXX XXXX XXXX at ext XXXX. She stated that this was a debt that I had with Old Navy and it wasn't filed on my chapter XXXX bankruptcy in XX/XX/XXXX. I informed her that I did my bankruptcy myself and I know for a fact that Old Navy was on there. She over-talked me the entire time and wouldn't let me explain that I know Old Navy was on my bankruptcy. She then informed me that the company GE Capital is what should actually be on my bankruptcy and I informed her that it was. She continued to tell me it wasn't and that they would be filing legal action against me and disconnected the call without the proper goodbye. I called back right after that call on XX/XX/XXXX and spoke with a different XXXX and she said and did the same thing. I then called back and spoke with a XXXX/XXXX and he was EXTREMELY rude and told me that they filed legal action against me and whatever paperwork I had would need to be taken to the court whenever the court date would be. I asked him for an email address or address to send my proof in and he wouldn't give it to me. I tried to call back 3 more times with no answer or voicemail. I can not find XXXX XXXX XXXX XXXX   online as a debt collector and that makes me think this is not a real company. I XXXX  GE Capital and they are no longer handling these accounts ; it is now Synchrony financial. My Old Navy account was from before XX/XX/XXXX and it was also filed on my chapter XXXX bankruptcy.

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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
As I have stated over five or more disputes, XXXX XXXX does not have the correct dollar amounts shown on my credit report. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report. Please remove XXXX XXXX from all three credit bureau reports for the reason of inaccurate reporting. I prefer that we both avoid the pursuit of my rights under 15 USC section 1681n and 1681o, which require your compliance with the 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 2022-09-23
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-09-13
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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}.

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 non-monetary relief