BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been a loyal customer of XXXX since XXXX when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with XXXX again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX  and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to XXXX was effective on XX/XX/XXXX for the full loan amount, but to my surprise, XXXX has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted XXXX to inquire about this misunderstanding, and after an hour on the phone, XXXX stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from XXXX nor seeing any improvement in my credit, I contacted XXXX again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting XXXX  and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, XXXX that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
{$60000.00} U.S Department of Education/ XXXX XX/XX/11 : opened US DEPT . OF EDUCATION/GL XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion XXXX Relations : 1 ) XXXX XXXX ( XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 2 ) XXXX (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 3 ) Transunion (XX/XX/XXXX ) " DIDNT AUTHORIZE '' ( UNPROVEN ) 4 ) XXXX XXXX (XX/XX/XXXX) " DIDNT AUTHORIZE '' ( UNPROVEN )

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 2017-11-17
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Good Afternoon, The 3 credit agencies have two wrong addresses on my report. I never lived atXXXX XXXX XXXX or XXXX XXXX XXXX and I need to find out how to get back a government check from social security that was mailed to XXXX XXXX XXXX in or around 2012 when we were allowed an extra XXXX dollars cost of living one time for the year check. Please, help me. Someone cashed that check illegally and I never got any help because at the time I owed taxes and I had to pay extra when I should not have. That money should be reimbursed but all the necessary important places claimed they could not find or help me. Did that slip through the system too? 
Thank you, Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Ct. 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 non-monetary relief
Consumer complaint received 2019-10-08
Company: Navient Solutions, LLC.
State: CA
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:
I've heard their under investigation for student loan circumstances. 

I want to protect myself in case their actions have led to financial disadvantages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: JPMORGAN CHASE & CO.
State: MI
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:
Dear Sir, I have closed my individual chase credit card on XXXX XXXX by paying off complete balance amount to XXXX. My closed Individual credit card information is missing in the XXXX  credit report since XX/XX/2018. I have communicated to XXXX  about this card, right name and address along with various details. I have also communicated to Chase Credit Card Company to update the right status of closed credit card to all credit bureaus and also Information/Grievance is part of the CFPB records. Chase has responded to me and CFPB that CHASE credit has been paid and closed with XXXX balance on XXXX XXXX and also Chase has communicated to all the credit bureau that my credit card is closed on XXXX XXXX but this information is missing in the XXXX   Credit Report. I have only used chase credit card for my purchases [ all my transactions are part of the statements ] and used as normal credit card and I never ever used any kind of benefits from chase. 
Could CFPB kindly direct XXXX/Chase to update my closed chase credit card details in my credit report, which has been missing since XXXX. My closed individual chase credit should be part of the records for next 7 years.Its unlawful and fraud for removing my closed credit card details from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: WI
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:
I submitted my dispute in XXXX via fax, no confirmation from Equifax received, resubmitted my complain on XXXX the same thing. I called them the rep said that the only received my credit freeze request, I advised that two faxes were sent and I have the fax confirmation, I even emailed Equifax customer service, to which they responsed with instructions on who to dispute. This is very frustrating, Equifax is not even allowing me to send information online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: United PanAm Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
CFPB, this is my second complaint to the same company and I truly need help. 

XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX XXXX Date : Mon, XX/XX/2019 at XXXX XXXX Subject : United auto credit explanation To : XXXX This upload is to show that the company United auto credit committed serious fraud by reporting inaccurate information on my credit profile. I do not owed this company a dime, they sold me a lemon with the dealership that they associate with through one of their managers.

In the attachments you will see that I never made a late payments and when I called for them to pick up the vehicle due to several issues, chair stuck toward the steering wheel and doesnt want to move, hood of the car will not close, all windows stuck, I spent {$200.00} at the dealership to fix an alternator, I brought it back again to fix issues with overheating all of these issues where Pryor to making the last payment. After I made the last payment which I would have another 30 days before making another payment, they never sent anyone to pick up the vehicle, I had to make several calls in order for them to finally agree to send me an electronic form to sign and for them to come. After signing the form they still took another two weeks just so they can justify that I am late on the next payment. 
The vehicle was sold at auction for {$7900.00} and yet they are saying that I owed them {$4800.00} because the car was sold for {$3100.00}, the proof is attached of the lies as well as a form that they sent me with no late payments and the total net balance for {$3000.00} I have already made several complaint to the cfpb, the FTC and the credit bureaus are still investigating. 
Also, the company had sent me a settlement offer for {$2400.00} but I refused to pay something that is not accurate, shady, abusive and injustice practice from this company. I never made a late payment to that company and that is why XXXX offer me a car loan really fast so I can continue to go to my many doctors appointment at the VA. With good faith, I tried trading the vehicle but no dealership wanted to take it due to the issues. 
I am making much higher payments right now {$570.00} to XXXX and I am never late and no issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Unauthorized " XXXX XXXX '' charges on XXXX XXXX Store Card XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$58.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$54.00} Plus card egregious FEES of {$520.00} for year XXXX, including XXXX XXXX and inaccurate Late Fees.

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 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 request for deletion of multiple duplicate student loan accounts for the past year with no solution. I have spoken with agents from company and sent many dispute letters. They have only removed 4 of the duplicate accounts but there are 4 still remaining and company keeps giving me different numbers to call with all of them saying they are not the right department. I need this removed from my credit bureau report as soon as possible.

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 2019-10-08
Company: Clarity Services
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: Credit inquiries on your report that you don't recognize

Complaint:
Unfamiliar things on credit report after selling XXXX CLARITY SERVICES INC Inquired on XX/XX/2019 called couldnt verify XXXX XXXX XXXX Inquired on XX/XX/2019 no new inquiry made on account XXXX/XXXX Inquired on XX/XX/2019 couldnt verify XXXX Inquired on XX/XX/2019 no new inquiry on account XXXX XXXX Inquired on XX/XX/2019 called could not verify XXXX XXXX XXXX  Inquired on XX/XX/2019 no new inquiry XXXX XXXX Inquired on XX/XX/2019 called couldnt verify

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: DISCOVER BANK
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
My credit card was used at Florida where I never been there. Here are the details : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX FL {$400.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Getting my XXXX degree was the biggest mistake of my life. I never would have taken out a single loan if I had known that XXXX XXXX was going out of it 's way to to make XXXX mortgages which were obviously going to be defaulted on and selling them and other credit default swaps which was an obvious time bomb for the economy. I never would have taken out loans if I knew that the bought and paid for politicians from both parties had pushed through legislation making it impossible for me to discharge student loans in bankruptcy while I was already at school and too busy studying to notice. I never would have agreed to be a debt slave to the companies that got off scot free for blowing up the world 's economy and destroying my job prospects and lifetime earning potential in the process. When I signed for these loans the average starting salary in my field was $ 60k. When I graduated right after my lenders trashed the economy I could n't find work in my field for 3 years and when I did I started at closer to $ 40k. Studies have shown I can expect to hang on to that decrease in earnings for at least 20 years while suffering from longer periods of unemployment. XXXX : XXXX I have absolutely no more drive, hope, or ambition. I worked hard did well and got XXXX for my trouble, American Dream my XXXX. I hate everything about this rigged corrupt country. I honestly hope XXXX XXXX or some other country does manage to XXXX us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet was stolen. I filed a police report and now I pulled my credit report and someone has obtained a auto loan in my name.

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 2018-10-09
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Citi Visa card for XXXX.

I pay my bills ... using Bill Pay through my XXXX XXXX account. On two occassions I was charged a " late fee '' for payments that my bank told me had been delivered on time.

I appears that although the check arrives in time ... there is a delay in when it is processed. After wasting time with my bank and Citi customer service ... I changed the due date to give them an extra 2 days to credit my account. They had charged me {$25.00} x 2 for these incidents ... but that was eventually refunded.

I did not receive a paper statement in XX/XX/XXXX ... and since I don't use this card on a regular basis ... I figured that no payment was due. Today, I learned ( through repeated calls to my cell phone ) that I missed a payment. I paid it immediately out of my checking account ... but they refused to cancel the {$25.00} late charge. [ Oh, they also had the wrong bank and checking account associated with my Citi account ] I have no intention of continuing my business relationship with Citi. However, it may be that they have found several new ways to generate late fees! I have another VISA card ... which I manage in the same way ... and have had no fees for many years.

After XXXX XXXX   ... I wouldn't be surprised if this " slow down '' in crediting an account or missed statements was deliberate.

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 2019-10-08
Company: Experian Information Solutions Inc.
State: AR
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:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX XXXX XXXX, TX XXXX Re : Investigation Confirmation # XXXX To Experian Dispute Department To whom this may concern, I recently received your investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding reinvestigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract and/or Agreement with my signatures on it that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX/XXXX  XXXX Peterson Vs Experian. Richardson v. XXXX XXXX XXXX, XXXX et al, Cushman Vs XXXX. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that Experian just can't use the XXXX XXXX because its not considered reasonable. Experian can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

Additionally, this account is inaccurate it is a Closed Account. Charge-Off that is not reporting Soled Or Transferred. Delete This Account.

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation. 

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!

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 2021-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am in a loan application process. My have excellent credit score ( over 800 ) from XXXX  and XXXX  but my mortgage lender can not get anything from Equifax. So my loan application was blocked. I called Equifax and my lenders of credit accounts. I let my lenders of credit cards to send credit files to Equifax but it did not work. 

Basically what happened is Equifax removed all my credit accounts for unknown reasons since 2017. When the lenders sent my credit files to Equifax, Equifax can not add these accounts back because the accounts had been removed for a long time and it has passed a time limit. 

I did not authorize Equifax to remove my credit accounts and now Equifax won't add my credit accounts back. As a result, I lost all my credit files in Equifax. My loan application was blocked because of this. I have done all the means to let Equifax fix their error but it did not work. Can you please help me to solve this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX  college in XXXX XXXX from XXXX to XXXX. While attending this school I had taken all student loans to be able to afford my education. I have not nor was I ever able to get a job in the field that I graduated for and now I am unable to obtain transcripts or any further information about my enrollment or completion of that program and have loans that I have to repay. Its also going to cost me additional monies to achieve the same goal and retake classes and I have already completed which now I have no proof and can receive credit for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 uncovered several addresses that I have never used or lived at after looking over my personal credit file. I also discovered multiple accounts ( listed ), several variations of my name I have never used and dozens of inquiries for accounts I never attempted to get. Personally, I recall receiving information stating that my personal profile was exposed during a computer hack involving XXXX in 2014. It is to my belief that this is where my information was discovered by someone who used it wit out my knowledge.

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