BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: AL
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:
Im submitting this complaint againsXXXX XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
NOTICE- Step 2 of 5 gives me limited choices, the only reason for my choice in step 2 is that it closely refers to my situation by way of credit report. To explain on XX/XX/XXXX I purchased a XXXX XXXX at XXXX XXXX in CA from XXXX XXXX, the commercial vehicle manager. He requested info about my LLC as well and I was certain this was a commercial lease. Regardless, the problem that followed was I found the XXXX to be unstable it was a basic XXXX XXXX, my test drive at Nissan was not on the freeway but around the dealership. So driving it on the freeway was a horrendous experience. Emailed XXXX XXXX. He advised bring XXXX in for inspection. Upon inspection he claimed " there is no problem '' yet a third party mechanic found the issue, Nissan was not willing to work with me, I decided to return the vehicle, voluntary surrender. On XX/XX/XXXX I received certified mail " Notice of right to reinstate contract and redeem vehicle ''. ( having discussed with third party mechanic, I decided to accept offer, have the repair done privately and save my credit ) so I accepted the offer by signing and section " E '' - right to request extension of time to reinstate contract or redeem " which gave me an additional 10 days plus the standard 20 days from date of notice XX/XX/XXXX ( which was weird since I only received the notice on XX/XX/XXXX but I knew this gave me ample time for Nissan to work with me and promptly mailed off the acceptance via certified mail and extension to the address XXXX XXXX XXXX, XXXX XXXX. During this time I was never late and attempting to reinstate my contract but Nissan failed to honor the offer to reinstate. The certified mail with my acceptance to reinstate was delivered to Nissan well before deadline. The certified mail tracking confirms this. Why then was I told by XXXX XXXX on or around the XX/XX/XXXX that " its too late the vehicle is sold? I advised that I received a notice to reinstate but he said no the vehicle " is gone '', no offer to make ''. Did Nissan have any intention to reinstate or did they send out the notice as a pretext to comply with state law since I was never delinquent on the auto payment? I am utterly disappointed and I need clarification as to what went wrong? Why was Nissan so  quick to report on my credit while in negotiations with me to reinstate? Why was the vehicle sold on XX/XX/XXXX, per the notice dated XX/XX/XXXX I received from Nissan?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. 

The letters are stated with items and issues. 

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 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 2022-10-15
Company: Albert Corporation
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have {$2500.00} in Albert Corporation bank, " not bank '' account. Since I can not access the account, I wish to close it and receive the balance of {$2500.00}. 

A representation from Albert keeps referring me and complaints to the customer service email, which has not responded to confirm about closing the account. 

I am unable to close the account via the Albert APP, which is my only account access. However I can not access my own funds.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I disputed all the way back in the XXXX of XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the XXXX date breach. Please resolve this in a timely matter. I will be attaching my original disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been getting a delayed deposit availability notice on my payroll check deposit slip since XX/XX/XXXX. The delay lasts 11 days with no funds available from the deposit for the full 11 days. I have been depositing this same payroll check for the last 14 years. I have been to the local Chase Bank several times for an explanation, but have not received a proper answer. The best they can do is manually release the hold if I complain. They will not supply any explanation for these holds. I am attaching a copy of my deposit slip from XX/XX/XXXX. It states funds will be available on XX/XX/XXXX. This has been happening for 9 months. I would like to know how they can keep the total deposit unavailable for 11 days without any explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 602 A Section 2 : It also states 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 non-monetary relief
Consumer complaint received 2021-02-10
Company: TRUSTMARK CORPORATION
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX XX/XX/XXXX, at approximately XXXX XXXX eastern time, I called trust mark national bank based in Mississippi. I ask for mortgage forbearance due to financial hardship amidst COVID 19. I was immediately interrogated as to why I couldn't pay the loan. I explained that because of the Coronavirus, Aid, Relief and Economic Security Act ( CARES Act ) this allowed employers to defer the deposit and payment of the employer 's share of Social Security taxes. My pay had been significantly decreased. I also explained that my significant other had lost her job, leaving me to pay all the bills. The trust mark employee, XXXX XXXX, put me on hold. She returned and stated she would send me paperwork for loss mitigation. I asked if this loss mitigation was in regards to COVID financial hardship. She stated no and that it was something they did for individuals who had issues paying their mortgage. I stated I needed the help and could pay in about two months, but couldn't pay now. I asked if I filled out the paperwork and the results from the Trustmark on the loss mitigation paperwork didn't come back in time for payment would it be reported to the credit bureau? She stated it would most definitely be reported to the Credit bureau. I stated please send me the paperwork. I went home and did the necessary research to ensure that I qualified for the financial hardship mortgage relief act. It stated that VA backed loans qualified in reference to the CARES ACT. I called the Trustmark back and XXXX XXXX answered the phone again. I calmly explained that maybe I did not explain my situation properly. I gave her the details and the CARES act information. She stated I didn't qualify. I asked to speak with a supervisor, she stated he was on the phone. I told her I would wait until he got off. She hung up on me and sent me to his voicemail. During these troubling times I am taking care of two kids and my significant other. This is the last type of service that I thought I would receive after fighting for my country. I am absolutely appalled at how I was treated and would like to helped.

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 2019-02-25
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Good afternoon. On XX/XX/XXXX, I requested an US {$3000.00} online balance transfer from my XXXX XXXX Mastercard, operated by Barclaycard, to be credited on my XXXX XXXX Visa credit card. The credit requested was never received, but charged to my XXXX XXXX card. Fifteen ( 15 ) days after, on XXXX XXXX, I called Barclaycard Customer care dept. and requested to cancel the transaction because still wasnt received. They said that I would get response within 15 days. On XX/XX/XXXX, Barclay Customer care dept. wrote me the case No. XXXX was open but will take 30-60 days for solution. On XX/XX/XXXX, Barclay wrote me that a manager would contact me, but that also never happened. 

On XX/XX/XXXX, I made a complaint to CFPD, number XXXX and, as a result, the amount of US {$3000.00} was voided from my account, by Barclaycard. 

But after that, for my surprise, On XX/XX/XXXX, the same amount of US {$3000.00} was re-charged by the same amount and concept of transaction posted originally XX/XX/XXXX. Then, I made a new complain to Barclaycard on XXXX XXXX, XXXX. On XX/XX/XXXX, Barclaycard recognized the error by e-mail, and created a new case that would take 7-10 days to be solved. Recently, responding my e-mail sent on XXXX XXXX, Barclaycard Customer Care dept. wrote that a case has been opened for me, reference number XXXX, and that they have began a new investigation, wich can take up to 45 days. Naturally, I dont trust them.

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 monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions Inc.
State: OH
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. 

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 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 2017-09-15
Company: Experian Information Solutions Inc.
State: NE
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:
Initially I thought this item was a result of unauthorized/fraudulent use because I knew I did not have a balance or an open account with the company. After reviewing the documents they sent for validation, I now have a better understanding of how the account was handled. I placed an order to XXXX and the original order was sent to the wrong address. The company said they would resend the items to my mother ( they were two of five gifts I sent her. ) Months later, I asked my mother why she never wore the dress and hat I sent she said she never received the items from XXXX. I contacted the company directly and informed them that she never received the items, requested a refund of the payments I made, and that the account be closed. I assumed my wishes were honored. Now I see that they were not. I made payments on the account until I was aware that the recipient did not actually get the items. I have an active complaint against the collection agency and am currently awaiting the company to issue a refund or provide a signed proof of delivery so I can find the person who accepted the items, IF they were actually delivered.

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 2023-06-02
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:
I am a victim of identity theft. My information was used to open multiple student loans.

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 2020-12-12
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT RECOVERY SOLUTIONS : Why does this name not surprise me to see them on my credit report once again. 

I have fought with them and bickered with these rude people everytime I have tried to call them. I have explained to them this debt is not mine, I do not have knowledge of this debt, But these people can not seem to get it through their heads. 

It seems that if this mess can not be resolved then I have no choice but to involve this matter in litigation and tie this matter up in court for the foreseeable future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Can you PLEASE help me with this horrific loan servicer RUSHMORE LOAN MANAGEMENT? Since the fall, I have been asking them to PLEASE put in a partial claim to the FHA on my mortgage and let me start paying for my loan again. I have a government FHA loan. 
They require people to fill out HARDSHIP PACKAGES for COVID 19 assistance, which I did not ask for any further. I asked for the past due balance to please be palced as FHA PARTIAL FOREBEARANCE at the end of the loan and let me start paying my loan. After months of sending in my paperwork, they put me back on a COVID 19 FOREBERANCE instead of listening to the customer and what the customer wants and the customers needs. 
Its unbelievable. Its like they DO NOT know who to read XXXX or understand XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: AES/PHEAA
State: NY
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:
I have a loan through FedLoan Servicing. I am employed at a XXXX and eligible for Public Service Loan Forgiveness and have taken all steps to be enrolled in the program, including income contingent payments. I have attempted, on numerous occasions, to get credit for the proper number of payments - they are only crediting my account for XXXX payments. They have failed to credit payments that were made during periods of {$0.00} payments and have failed to update the number of payments that should be credited for the prior year despite providing employer certification XXXX separate times. I am frustrated that I am not receiving proper credit for all payments made on this loan under this program.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2018 an inquiry was pulled on my TranUnion Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to Trans Union on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent TransUnion a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving TransUnion ample time to correct the error, I called TransUnion again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, TransUnion refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, TransUnion knows to the date of the inquiry on their records and can clearly see the information matches in Chases letter. 

I should not have to jump through hoops to get TransUnion to to do their job and TransUnion should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with TransUnion using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

TransUnion refused to reinvestigate.

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 2023-01-11
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Navy Federal Credit Union 2 hard inquiries for an auto loan that I never consent too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief