BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 non-monetary relief
Consumer complaint received 2022-10-17
Company: NAVY FEDERAL CREDIT UNION
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, creditors have violated my rights under 15 U.S.C 1681 SEC 602 states 'I have the rights to privacy ''. 15 U.S.C 1681 SEC 604a SEC 2 " A consumer report agency can not furnish an account without my written instructions ''. Under 15 U.S.C 1666b, a creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX my student loans were transferred from Nelnet to XXXX. 

XXXX increased the amount due by approximately {$19000.00} in collection costs and penalties. 

My balance went from approximately {$35000.00} to {$54000.00}. 

The loans were then transferred back to Nelnet for collection. 

I disputed the debt on XX/XX/XXXX. See attachment. 

I also requested an administrative review pursuant to 34 CFR 682.410 ( b ) ( 5 ).  The request was made on XX/XX/XXXX. See attachment.. 

Nelnet ignored both the dispute letter and the request for review. 

They proceeded with collection. 

On XX/XX/XXXX they filed a negative report to XXXX and XXXX. 

On XX/XX/XXXX they filed another negative report to the same credit agencies. The report is also attached. 

Collections should have stopped upon receipt of my dispute letter and an administrative review should have been conducted upon the XX/XX/XXXX request. 

Instead Nelnet ignored the federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
I am filing a complaint because the debt from XXXX XXXX XXXX XXXX ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: MN
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 first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. 

IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit card with XXXX XXXX  XXXX was set on auto pay and I never received any notice from XXXX XXXX  XXXX that my card was delinquent. After some investigation, it appears that this is a common problem where the XXXX XXXX XXXX auto pay malfunctions and costs people fees and adversely affects their credit. This started in XXXX of 2023. This delinquency is improper and should be removed from my report. After raising this with XXXX XXXX XXXX, they sent me a letter saying that I have no delinquent accounts with them, but my credit has not been fixed. Before this, Ive had approximately 2,000 on time payments and have never had an issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: EQUIFAX, 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:
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. 

Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXX # XXXX Account : XXXXXXXX XXXX  # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX Account : XXXX XXXX  # XXXX Account : XXXX  XXXX # XXXX Account : XXXX XXXX XXXXXXXX XXXX # XXXX 15 USC 1681 section 602 A States I have the right to privacy.

15 USC 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls me multiple times a day, every day, for the past 3 years. Always calls from a different number. I have blocked at least 20 numbers they have called me from and they continue to call every single day from a different phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: GOLDMAN SACHS BANK USA
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: Their investigation did not fix an error on your report

Complaint:
In XXXX of 2016, I sent my credit card payment in the mail and it got lost in the mail. I of course did not know this until it was too late. Since then, I have repeatedly tried to fix this because it shows as 30 day late payment on both my XXXX and XXXX credit report. It does not show on XXXX because they have corrected it. The credit card has now been sold to a different bank ( Goldman Sachs XXXX XXXX credit card ) and it is still reporting a 30 day late payment. I am really concern about this because I absolutely always pay my credit card bills ahead of time. I would like this to be corrected, specially since it was not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: SECURITY FINANCE CORP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I applied and was granted a installment loan with Security Finance, loan # XXXX with my payment due dates on the XXXX of each month. On XX/XX/XXXX my bank XXXX Bill Payment dept. issued a check in the amount of {$100.00} for my loan payment due on XX/XX/XXXX, Security Finance received the check on XX/XX/XXXX. At XXXX of XX/XX/XXXX I receive a phone call from XXXX with Security Finance offering me {$160.00} if I was interested in refinancing my loan, I told her yes and I would come in on XX/XX/XXXX to sign the paperwork, She said great we'll see you then and she would have the paperwork ready for the refinanced loan. On XX/XX/XXXX I went in to Security Finance and received {$160.00} for refinancing the loan, account # XXXX and left the building. Then on XX/XX/XXXX I received a phone call at XXXX XXXX  from XXXX the manager stating that I owed $ XXXX for a returned check from my bank, when I told her they made a mistake she insisted that they were right and I was wrong. I tried several times to explain to her that I didn't owe {$130.00} since I refinanced the loan that the payment in question that they received on XX/XX/XXXX in the amount of {$100.00} was cancelled by my bank XXXX because of the refinancing of the loan. She still insisted I was wrong and she wanted a payment of {$130.00} for the loan payment due on the XXXX plus {$30.00} returned check fee. I made an agreement which I kept and went in on XX/XX/XXXX and paid {$130.00} as requested and i asked for the returned check. The lady that took the payment looked for it and couldn't find it so she called XXXX and then I was told the bank had it. I totally feel that this if nothing else is insufficient check fraud since the returned check i paid for and never received. I would like to have the amount of {$100.00} credited to my account # XXXX since the payment due on XX/XX/XXXX is non-existent due to the loan being refinanced. I've also reached out to their HOME OFFICE in XXXX but as of this date no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am filing this complaint to inform you of Equifax willful noncompliance with the Fair Credit Reporting Act, Equifax continues to report inaccurate, incomplete payment history information on my consumer report. I have sent multiple Dispute letters on XX/XX/21 and again another dispute letter on XX/XX/21. To this day the consumer reporting agency willfully refuses to Delete the inaccurate, incomplete information which is preventing me from obtaining credit, furthermore the consumer reporting agency is Violating my consumer rights along with Defamation of Character because a consumer report is my reputation. Equifax continues to be in Violation of the Fair Credit Reporting Act by continuing to report misleading information on my consumer file. Under 15 USC 1681e ( b ) the Law clearly states a consumer reporting agency shall follow reasonable procedures to assure Maximum possible accuracy, yet this agency has failed to do so. In addition I have attached documents that outline the Multiple FCRA Violations on my consumer report. Lastly I am demanding these accounts to be Deleted immediately or I may file for litigation due to the agency willful noncompliance, negligence and the harm it has cause my consumer file along with the stress it has cause by having these inaccurate, incomplete items on my consumer report. Im hopeful the CFPB can help assist to resolve this matter promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been receiving incessant phone calls and letters from a company that calls themselves Nationwide Credit , Inc. attempting to collect a debt with no proof or verification of the debt to show that it's even mine. I'm hoping that by filing this complaint this company will stop contacting me or send me verification of this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: CA
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:
I am a natural person I am a living human being I have Rights under 15 usc 1681.Experian is govern by 15 1681.And they violated my rights numerous of times. I demand the inquiries listed below be removed because according to 15 usc1681 : I have the right to privacy and I did not give Experian written permission to pull my report

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 2019-03-29
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I acquired this loan early last year. I had to get this loan to pay my bills due to a slow time at work. I was desperate. This was around XXXX/XX/XX/2018. In XX/XX/2018, I was still struggling to repay this loan. I borrowed {$2600.00} and saw that my interest rate was near 100 %. So, my balance barely budged. I was paying on time every month until I couldnt and turned this account over to a debt settlement company. They werent successful about settling this account. Ive tried to settle with this company and they were vague about the terms of the settlement and I asked questions and they went unanswered and ignored. I sent them a promise to pay at {$1200.00} and again, this went unanswered and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit profile. I identified this inaccurate fraudulent account under Amerifinancial Solutions - original creditor : XXXX XXXXXXXX XXXX XXXXXXXX. I have not received any correspondence from the creditor to validate this account is correctly belonging to me, nor has my credit report been updated to reflect this account is disputed and therefore a 2nd validation letter was sent out on this day, After reviewing credit report again on XX/XX/2022 there has been no updates and account is still reflecting on my report. This account does not belong to me nor does the creditor have authorization to access the account nor authorization to attempt to collect on this account and the account continues to negatively affect me. 

At this time, I will also inform you that your offices have reported invalidated information to all 3 credit bureaus ( XXXX, XXXX, and XXXX ) this action will constitute fraud under both Federal and State laws. 

Due to this fact. If any negative mark is found on any of my credit reports by your company that you represent I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collections Act, and Defamation of Character. 

15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate In accordance with the Fair Credit Reporting act the List of account below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 . Account name : Amerifinancial Solutions - 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CITIBANK, N.A.
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:
So contact XXXX XXXX after discovering that hard inquiry on my reported to credit bureaus. Which I was unaware at that time. Then realized that this was result of misinformation that was given by a sales associate that had assure my what she was doing a soft inquiry to see if I was offered a credit increase which would consider as a soft credit since I already had a XXXX XXXX XXXX Account already. I made myself very clear when ask about processing as a hard inquiry & sales associate response was this is soft credit that would not cause drop in score. I explained I didnt want anymore hard inquiry because recent inquiries that were on my credit report. I acknowledged prior that I already had a XXXX  credit card that can be use already at XXXX XXXX XXXX XXXX XXXX. So only if was soft ( aka In-Store Credit ). But taking advantage as well as deceived by the sale associated who manipulated that situation by given inaccurate information regarding inquiry. I connected merchant in order for this issue to get resolved, but three attempts ( XX/XX/21, XX/XX/21, & XX/XX/21 ) which I was transfer to credit issues department which had then spoken XXXX then XXXX. Then I attempted to reach out to them again & was told that a compliant/report was issued to be corrected information regarding the unauthorized credit reporting. I also had similar issue w/Macys Credit Card when I change my mind before credit was ran, I was told that she suspend the application then it should fall off or removed for incomplete application which takes 24-48 hrs. But instead it wasnt which had resulted it being reported as a hard inquiry on credit report.

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 2023-02-10
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX has re aged several debts numerous times making them always look new on my credit report. I have filed multiple disputes with XXXX and they will just reject the dispute and mark it as current even though the original date was 2016. They also send me collection emails at least every 2 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation