BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: RI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2023-08-11
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-22
Company: Google Compare Credit Cards Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I recently purchased the new Google XXXX XXXX XXXX and after attempting to add my XXXX account, it wouldn't allow me to and then I opened a support request. I then got an email stating they suspended my account for suspicious activity and need me to upload documents. I've uploaded the requested documents and continuously recieve an email stating the documents couldn't be verified. I've attempted multiple times to get help and no one will help me. I've submitted the documents in accordance with their requests and made sure the information was clear and legible. I'm including the documents they requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and XXXX am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$950.00} XXXX XXXX  XXXX Balance Owed : {$190.00} ARS XXXX Balance Owed : {$780.00} ARS XXXX Owed : {$780.00} ARS ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$780.00} XXXX XXXX Owed : {$600.00} XXXX XXXX Owed : {$1100.00} XXXX XXXX Owed : {$5200.00} XXXX XXXX COL XXXX Balance Owed : {$5000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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 status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX  XXXX Account # XXXX 30 days late in XX/XX/2022.

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 2020-11-04
Company: Experian Information Solutions Inc.
State: NY
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 submitted a letter disputing some accounts that do not belong to me that are on my credit report. This was back in XXXX and it has now been way over the 30 days allowed by the FCRA. By not responding, they are in direct violation. These accounts need to be removed because they were not investigated in the time given. I submitted another letter on XX/XX/2020 to view the progress and tracking shows that it was received. I am a hardworking man just trying to do my best for my family. I have done everything asked of me. Please help me in this matter.

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 2023-11-30
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am due automatic student loan forgivenss under the XXXXXXXX XXXX XXXXXXXX settlement. I have received a letter from DOE stating such dated XX/XX/2023. To date, that has not been processed by Nelnet. My student loans were to remain in an administrative forbearance until this forgiveness was processed. Nelnet took them out. I contacted DOE which agreed they should be in an administrative forbearance until forgiveness ( which is now past due ) is processed. I have a letter from DOE stating the loans should remain in adminstrative forbearance until processed and that they had informed Nelnet of this dated XX/XX/2023. As of today, XX/XX/2023 they are not forgiven and are not in administrative forbearance. After 1.5 hours and how much time on hold all I got was a run around. I want the forgiveness I am owed under the settlement processed ASAP. I want my accounts properly audited as I know Nelnet was bad about crediting parents and I have been overcharged interest. And at this point, they do not deserve to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Company called XXXX called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a liar, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: American Financial Network Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have told this company more than 10 times to stop sending junk mail and loan offers. I marked refused. I have called American Financial Network and told them and I have registered with the postal service as well. This is wasting trees and I do not want or need anything from them.

I want this these letters and offers to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Navient Logo Document Upload We need a clear copy of the General Forbearance Request form. Attach documents by selecting a file and clicking the Upload File button below. To attach documents, select the browse button to find the document you wish to upload, then select the Upload File button. Once you have completed those steps for the documents you wish to send, select the Submit Documents button. 

Maximum Size : 5 MB ( 5,120 KB ) total per Document type. You can upload any number of files but the total size of all the files under one Document type can not exceed 5 MB. The upload is fully encrypted so please ensure uploaded PDF documents are not password protected. Note : We will not be able to process password protected files. 

Allowed File Types : JPG, JPEG, PDF, TIFF or TIF General Forbearance Request form The file you are attempting to upload is not in a format we can accept. Acceptable file types are JPG, JPEG, PDF, TIFF, or TIF. 


Browse -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This makes it virtually impossible to send anything to them as they refuse to confirm unemployment status with the state unemployment office. I have docs to send but every time I try, it says that the doc exceeds 5 MB which is too small of a restriction or that it is not in one of the 5 types above. Except for PDF, who uses those others for docs? And I can not convert what I have into PDF. They could choose to accept WORD docs but they don't want people to have that ease. This is intended purely to make getting a deferment more difficult and impeded. In addition, I already sent what they want as an attachment in a regular email, which they now claim they do not have. Plus how many poor and unemployed people really have a fax?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act ( XXXX ) ( Account number XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states that 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 explanation
Consumer complaint received 2021-07-22
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX a representative from Rent Recovery Solutions contacted me about a debt. The rep indicated to me that if I paid the debt that they would remove the collection from my credit report. I did pay this in XX/XX/2019, but to this day it is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: EQUIFAX, INC.
State: VA
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 have filed 5 disputes with the credit reporting agencies in regards to this inaccurate and horrendous account on my credit profile. I have asked them to send me the method of verification pursuant to section 611 of the Fair Credit Report Act. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, 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 filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Bread Financial Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
Some one fraudulently made a credit inquiry on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize, nor consent to any of these inquiries to be taken out in my name. Im unaware of any of this. All is being investigated by the FTC. 

Pursuant to the FCRA 15 USC 1692c-2 ( a ) they have 4 business days to block information. I have supplied my identity theft report, ID, statement, and proof of identity. A police report is not needed under this subchapter.

Also pursuant to FCRA 15 USC 1681c-2 ( b ) ( c ) you the authority to decline or rescind but the information I sent was not blocked in error so the information can't be blocked. 

I have listed the items on the document attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: HI
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 has tagged me with a phantom account and reported it to XXXX, XXXX and Experian. I've sent each of the credit bureaus a certified letter asking them to validate this account ownership with XXXX XXXX and they have not! I also asked for the procedure used to determine the accurancy and completeness of the information for this phantom account. 

I'm having low credit rating with XXXX, XXXX, because of this phantom account that is reported closed on XX/XX/XXXX yet it's reporting a late payment on XX/XX/XXXX and a Charge Off on 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 2019-08-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The following companies ran unauthorized credit report on me..  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized such inquiry..I have never given permission for them to inquire my credit status.. Please remove unauthorized inquiries on my credit report.. This is a violation of the Fair Credit Reporting Act Section 1681b(c) and a serious breach of my privacy rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TRANSUNION has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.

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 2018-08-30
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
After checking my credit report, I notice a lot of hard inquiries. 

So I called Equifax and ask them to delete it from my credit report, their customer service would not help me and take care of this negatives inquiries. Telling me to call each company and request them to send Equifax a document asking them to delete it from my report. 
This is the list that I want it to be removed XXXX XXXX XXXX   inquiry fromXX/XX/XXXXXX/XX/XXXXXXXX inqury from XX/XX/XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX  information XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX   inquiryXX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  inquiry from XX/XX/XXXX All this hard inquiries are hurting my credit score, and I need to remove it, i believe them to be frauds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-29
Company: Mr. Cooper Group Inc.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicer, Mr. Cooper, rejected my XX/XX/XXXX payment that was sent via ACH on XXXX, XXXX, 2021. I phoned my bank, XXXX XXXX, to inquire about why payment was not received and they let me know issue was on the Mr. Cooper end. I followed up with Mr. Cooper and they blamed 3rd party snafu that rejected certain banks ' ACH and e-payments. When asked how this would be resolved, Mr. Cooper did not have an answer. 

I was forced to pay over the phone to ensure that my payment would be posted on time. Mr. Cooper was unable to explain what happened or how my payment would be taken care of. This is extremely disturbing that such a large company could have such a large error with such potential negative customer impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am trying to redirect my excess payment towards the second credit balance on my TD credit card ending in XXXX, but to do so i have to call since automated system and online system will not redirect excess payment to customer requested balance but always applies it to an older balance. It is on their website, to call and instruct the 'human agents ' to apply the excess payment to the deferred interest balance of customer 's choice. 

But XXXX does not provide human assistance even after being on hold for nearly an hour every day. They wall off customers with an automated service that is useless for the purposes mentioned. And when a human agent is requested the customer is put on hold forever due unspecified external reasons. Making the customer unable to pay off the loan to the deferred interest balance first and forcing the customer to pay the interest. 

Have never seen a more incompetent customer service and bank than XXXX XXXX 

The phone humbers they give me on the statement is XXXX And the customer agents who claim to be just handling online services transfer me to another department phone which is XXXX where i wait for hours everyday just to get some human to redirect and apply my payments. SO far i am unable redirect my excess payment to the balance of my choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continually have called my phone number sometimes till XXXX at night. They ask me for my personal information. Is it me they are speaking with, what is my address, etc. they would not give me any information about original creditor other than they are with Midland Credit.

Company response to consumer: Closed with non-monetary relief