BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two XXXX XXXX XXXX loans and I have been fighting them with my credit reporting. The first loan I tried to switch my payment method through the app and it never went through for months which I put in trouble tickets after trouble tickets and it took months for them to fix it. I talked to representatives and emailed back and forth because they kept marking me delinquent on my credit report. I even was told which I have the emails saying they would fix my report and they never did I even on a complaint which they offer about your credit reporting and showed them the emails stating that they agreed to fix my credit reporting and sent them a screen shot of how it was being reported one states a paid collection and the other states 60 days late and they responded back say it is being reported actually as paid and closed which I showed they proof that it was not the case. The second loan I had with them I told them my bank account was hacked and my payments were on auto payments which in XXXX was kicked back because my bank closed my account. I even provided them a letter from my bank explaining the situation and they said they dont do goodwill adjustments. Plus it wasnt reported delinquent until XXXX but it all happen in XXXX. I paid off my loan in XXXX and in XXXX is was reporting that I was current.

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 2015-03-24
Company: TMX Finance LLC
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I XXXX XXXX XXXX XXXX XXXX vehicle Last XXXX of vine XXXX. I added somebody to the tittle and they changed the address. It was steele addressed to me but he opened my mail, forged my name and went and got a tittle loan. the y have auctioned off the truck but there has been a pleace report filed in XXXX XXXX XXXX, Utah. Its not A civil matter and im earitated about my mail being breached and athorityes not doing there job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date XXXX Balance : {$26000.00}

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
Consumer complaint received 2022-07-17
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In early XXXX, after the CoVid epidemic affected the economy I, being a XXXX XXXX  XXXX, experienced a drastic reduction in income allowing me to qualify for a forbearance period with my home loan through the servicing company as allowed by New York State. My forbearance period ended on XXXX XXXX, after approx 18 mths. during the time of the forbearance, the mortgagor changed servicing companies several times. 
In XX/XX/XXXX, I sent a monthly mortgage payment to the servicing company ( XXXX XXXX XXXX ), the check was cashed. Since then, my checks for my mortgage payments for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX have been returned. The reason stated is that I'm in default because I owe all the money accrued during the forbearance period to be paid in full. 
I have requested that the money owed be placed at the end of my mortgage ; I have filed loan modification paperwork with both XXXX XXXXd the new servicing company Rushmore LM, and have recently be notified that I've been denied any modification. The loan servicing company is also notifying the credit agencies of my default. My income is presently increasing each month, with this XXXX being rather successful and surpassing the last prior months. 
How can I, after being on a forbearance period for 18 mths, having a reduction of income due to mandated shut downs of businesses and the job industry, be able to pay approx. 
{$60000.00} in accrued debt? I would like to be able to resume mortgage payments, and have my existing mortgage reinstated, extended if necessary to accommodate the $ owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: OK
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX : {$1300.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX CA Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
Company: MARINER FINANCE, LLC
State: MS
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:
On XX/XX/XXXX, I received a personal loan from the XXXX XXXX, XXXX branch of XXXX XXXX XXXX. On XX/XX/XXXX, my wife and I filed Chapter XXXX Bankruptcy which included that loan. The bankruptcy was completed on XX/XX/XXXX, and the loan is being properly listed on my credit report as Chapter XXXX Bankruptcy. 

However there is another loan listed on my credit report under Mariner Finance. It was also reportedly issued on XX/XX/XXXX, with a last payment made date of XX/XX/XXXX, the exact dates reported by XXXX XXXX XXXX. This loan is being reported as Unpaid Balance Charged Off. I have never applied for or received a loan from Mariner Finance, and certainly did not apply for or receive two entirely different loans on XX/XX/XXXX, as is currently claimed on my credit report. 

In XX/XX/XXXX, XXXX XXXX XXXX merged with Mariner Finance , LLC and on XX/XX/XXXX, the company became known as Mariner Finance. It appears that sometime between the merger and the final discharge of the debt, the account was transferred from XXXX XXXX XXXX to Mariner Finance, resulting in a new account number. That doesn't make it a new loan or change the fact it was XXXX, however. 

On XX/XX/XXXX, I submitted an online dispute with XXXX, identifying the duplication and noting this was likely the same loan reported twice. On XX/XX/XXXX, I received a reply claiming the accounts were verified as accurate. I'm not sure how it was verified, but someone, somewhere, is mistaken. 

I contacted the main office of Mariner Finance on XX/XX/XXXX, to correct this error. I spoke with XXXX and explained the problem, and was transferred to XXXX at the XXXX XXXX, XXXX branch. After I explained again, XXXX told me that her manager, XXXX, was out of the office but would return my call the following day. On the XXXX, my wife spoke with XXXX, and explained the situation yet again. He stated repeatedly there was nothing he could do and claimed if XXXX was saying it was verified, then it must be accurate. He suggested we contact an attorney if we had further questions. 

I am trying very hard to make sure my credit report is accurate and have hit a brick wall here. On XX/XX/XXXX, after my wife spoke with XXXX, I contacted XXXX by phone to dispute their results and still have not received any indication that they are doing anything to correct this 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 2023-08-10
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This morning ( XX/XX/XXXX ) I received an alert from my bank that my credit had fallen because I had a delinquent account. I checked my credit reports and found that I owed XXXX XXXX XXXX ~ {$11000.00}. When I called up XXXX XXXX XXXX they gave me information regarding an account I had with XXXX XXXX where XXXX XXXX XXXX XXXX XXXX 's were purchased under my name in XXXX. While XXXX XXXX XXXX had my correct social security number and date of birth the address and email address were incorrect. I called up XXXX and they are unable to find the account that XXXX XXXX XXXX gave me. XXXX XXXX XXXX stated that this account will be disputed but can take up to 60 days to be corrected on my credit report. However, I am currently in the process of purchasing a home and need it removed soon so that I may be able to complete the purchase. XXXX XXXX suggested that I file a report with CFPB to expedite the process since multiple phone calls and agents at XXXX XXXX were unable to locate this account.

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 2023-07-28
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13
Company: Nelnet, Inc.
State: NJ
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 am writing to bring to your attention a matter of significant concern regarding Nelnet, a loan servicing company responsible for managing my student loans. Nelnets actions to be in violation of the regulations and requirements set forth by the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2023, I formally requested from Nelnet the Original Instrument of Indebtedness for my student loans, as is my right under the law. My request was specific in nature, seeking a document that holds legal significance and is crucial for a clear understanding of the terms and conditions of my student loans. 

Regrettably, Nelnet did not comply with my request as they not only failed to provide the Original Instrument of Indebtedness but also furnished a promissory note that contains incorrect information. The inaccuracies within the promissory note include errors in my address, email, and school name, which is a grave oversight on their part. Furthermore, the document they provided lacks my wet signature, which raises doubts about the authenticity and validity of the information therein. 

This situation is of utmost concern to me, as the accurate documentation and disclosure of my student loan terms are essential for my financial well-being. The inaccuracies and absence of my signature in the provided promissory note only exacerbate the uncertainty surrounding my student loans. I am troubled by Nelnets noncompliance with the requirements set forth by the CFPB and their apparent disregard for the importance of transparent and accurate communication with borrowers.

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action against Nelnet to ensure their compliance with the regulations governing the student loan industry. I also seek guidance on how to rectify this situation and obtain the accurate Original Instrument of Indebtedness for my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: SC
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:
The accounts are showing as open, the account is charged off. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX credit 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
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: Their investigation did not fix an error on your report

Complaint:
These companies, I have sent Certified Letter 's on XXXX XXXX 2017 for Unauthorized credit Inquiry on my Credit Reports, as well as called and disputed these inquiries. I have never authorized such action and this constitutes as a violation of my rights under the Fair Credit Reporting Act 604, as well as a violation of my privacy. XXXX XXXX Inquires - XXXX XXXX, XXXX XXXX, XXXX, XXXX , XXXX , XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX. Transunion- XXXX Inquires - 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 Inquires- 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 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 2023-10-23
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loan payment was due on XX/XX/XXXX, and I made all necessary updates to my Advantage account to allow the payment to be drafted from my checking account on that date. I received an email on XX/XX/XXXX that my payment had been posted. I then receive an email on the XXXX that my student loan payment was past due. I logged into my Aidvantage account and see on the transaction history that a payment was received, then was reversed. I received no notification from Aidvantage or my bank that the payment had been reversed and Aidvantage 's website provided no explanation why. I had even submitted documentation before the XXXX to make sure my married name was on my Aidvantage account to match my bank account. I tried contacting Aidvantage through the chat on their site and just received a notification that they had too much volume and the chat would automatically close. I tried several times. I called them and went through the auto attendant trying to get to real person and had to give up after being on hold for half an hour. I contacted my bank and they said that no attempts had even been made on my account for that amount, and that any reversals would show. I confirmed that I had entered the correct bank account and routing number as well, but Aidvantage had not even tried to pull the money from my account. So now they are saying I am " past due '' and that I owe double my monthly payment now. I have resubmitted the payment on Aidvantage 's website but have zero faith it will actually go through. There are numerous reports on XXXX that others have experienced this exact same thing, where Aidvantage either consistently " reverses '' their payments or straight up will not allow them to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am writing to express my disappointment and frustration regarding the recent promotion that KeyBank advertised. In particular, I am referring to the XXXX XXXX XXXX, which offered a {$200.00} reward for opening a new checking account and fulfilling certain conditions. 

I opened a new checking account on XX/XX/2023, and have made direct deposits totaling at least {$1000.00} by XX/XX/2023, well before the deadline. I fulfilled all the conditions of the promotion and was expecting to receive the {$200.00} reward within 60 days, as stated in the terms and conditions of the promotion. 

However, despite fulfilling all the conditions of the promotion, I have not received the {$200.00} reward that was promised to me. I have contacted KeyBank customer service four times, and have been told that I should have received the reward on time. The customer representatives promised me that they would follow up on my case, but I have not received any updates or communications from KeyBank regarding this matter. 

This delay is unacceptable, and I am not only asking for the {$200.00} reward, but I would also like to sue KeyBank for a {$100.00} penalty for each day that they have delayed in depositing the reward. I feel that KeyBank has breached its contract with me and has failed to fulfill its obligation to provide the reward. 

I urge KeyBank to take immediate action to rectify this situation and to credit the {$200.00} reward to my account without further delay. I also request that KeyBank compensate me for the inconvenience and frustration caused by this delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX Balance : {$3800.00}

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