BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-24
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
There was a business opportunity being marketed for passive income to create a wholesale car dealership. We were told to apply for a car loan and we would be sold a car from the group 's inventory. In XXXX days the car would be sold and our loan paid off. That would build car credit for us which would increase the amount of credit that we would be approved for, for our dealership. The group would help us create an LLC and apply for a wholesale license and obtain a dealership within their network. There were weekly XXXX calls and a dedicated XXXX group to help guide us. We were told to endorse our auto loan documents and send the check to them. They produced a bill of sale to the lenders. 
After XXXX days when the vehicle was due to be paid off, we were told there were processing delays due to COVID and states were changing requirements for establishing dealerships. So we were told to wait. It has been over a year now and communication has stopped. 
This business opportunity was sold to us under false pretenses as we are discovering that some of the VIN numbers to the vehicles are false and some of these vehicles dont exist. The main person that lead the team has been indicted several times for similar types of violations and this business is an elaborate Ponzi scheme

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have attempted to arrange payments that are based on my income and I have not been able to. I am currently only working 2 days a week and I am unable to pay the payment amount requested. The company has only given 3 months forbearance during this pandemic yet interest rates continue to accrue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: AP
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I am a XXXX citizen who has a permanent resistant green card. I have a social security number and live in the XXXX  with my husband. I do have a checking account and savings account with XXXX and XXXX XXXX however I have tried to apply for a credit card with both banks but the applications get denied. The reason always says : unable to confirm applicants identity. Both I and the banks are confused and unsure why this is happening as I have a social security.

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 2023-06-12
Company: Experian Information Solutions Inc.
State: AL
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 XXXX 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 explanation
Consumer complaint received 2021-06-21
Company: Experian Information Solutions Inc.
State: GA
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 was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # XXXX I was never late 30 days XX/XX/XXXX 30 days XX/XX/XXXX 60 days XX/XX/XXXX 120 days XX/XX/XXXX 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2023-01-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I closed my Amex XXXX XXXX ( ending with XXXX ) in XX/XX/XXXX. There was a XXXX credit in the account. Amex said it had issued a credit balance refund check to me on XX/XX/XXXX. However, I did not receive the check. I reached out to Amex. Amex said they had cancelled the check, and will instead credit my existing XXXX XXXX ( ending with XXXX ) in XX/XX/XXXX. So far on XX/XX/XXXX, I still have not received the credit on my Gold card, despite having reached out to multiple representatives at Amex.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-04
Company: Penn Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I began receiving phone calls about a debt that was the result of identity theft. I notified the callers of this and was still harassed. I then notified the company from which the debt originated of the identity theft and was assured they would handle it. Some time goes by and I still receive calls with threats of negatively affecting my credit score if I don't hurry and pay them. They then attached to my credit score while I waited to hear back from XXXX XXXX ( the company fraudulent debt originated from ) and it knocked my credit down 47 points. After attempts to contact XXXX XXXX, I was finally informed I could contact their " collection department '' during my work hours where it is physically and literally impossible for me to make calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # 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

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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
U S DEPT OF EDXXXX XXXX XXXX : {$1200.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX  TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2020-10-19
Company: EQUIFAX, INC.
State: WA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$170.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, INC.
State: NJ
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Bread Financial Holdings, Inc.
State: FL
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 certain violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Right to Privacy : As outlined under 15 USC 1681, Section 602 of the FCRA, I have a fundamental right to privacy. I believe this right has been infringed upon.

Furnishing of Information : According to 15 USC 1681, Section 604 A, Section 2, a consumer reporting agency is prohibited from furnishing information about my account without my explicit written instructions.

Late Payment on Credit Card Account : Under 15 USC 1666 B, creditors are not permitted to consider a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Given these apparent violations, I kindly request an investigation into the matter to ensure my rights are protected and any necessary remedial actions are taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: Experian Information Solutions Inc.
State: GA
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 cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX, Experian, and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 2018-10-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
About 2 months ago I applied for a Loan Indulgence which was not approved to me, the same day, the same representative who answered me by phone told me that I could apply for a Payment Arrangement and that when it was approved all the late payments that already I had accumulated, that they were like 2, they would disappear. I was waiting, 15 days, I had no answer and I called them, supposedly the application was pending. They spent almost 2 months, which I have been calling every 10 days to know about the application and they always told me that it was pending. It turns out that today XX/XX/2018, almost 2 months later a representative tells me that the payment arrangement had not been approved because " I ALREADY HAD NO BENEFITS '', that is, why did not the first person tell me???? It turns out that I ask to speak with a MANAGER and I explain everything again, in the end it tells me that my PAYMENT ARRANGEMENT application had not been approved because I had not put in the form how much I was willing to pay!!!!!!! How is it possible!!! That is, if I lack information in the document, what is fair and professional is that THEY call me and inform me!!!!! NOOOOOO, I kept accumulating late payments, they were reporting to my credit and finally they sent the account to a collection agency. 
I want to make a retroactive work in my account, to listen to ALL MY CALLS MADE IN THE LAST 2 MONTHS, to see that I have not stopped communicating with them trying to find a XXXX solution to that account. After they explained to me that my benefits were exhausted, they invited me to apply for a Payment Arrangement in which I had to fill out a form and send it. Apparently 2 months later, I discovered by one of the managers, that my application for a Payment Arrangement was not approved, BECAUSE I DID NOT PAY THE AMOUNT OF MONEY THAT I WAS WILLING TO PAY EACH MONTH! It is my responsibility to fill out the form correctly, but it is also the responsibility of this company to inform its customers when there is an error like this. I was never informed that my application was incomplete, I was never informed that my application was denied, after 2 months and after my account was sent to collection, after requesting to speak with a Manager, I learned all this. It is a lack of professionalism on your part.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I dont have the exact date, but I did spoke with someone and they stated that since it was over 90 days since the account was closed it was nothing that they could do since it was turned over to the creditors. The account been was suppose to be in my sister name but they didnt changed it on there end. So when she went in XXXX of 2018 instead of her paying the bill she had gotten another phone. So they just had closed the other account. I didnt know until I received a collection letter in the mail stating I owed them and that's when they told me it was nothing they could of done since they never had put it I her name and that it was already closed. The amount is {$430.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not to consent to authorize nor benefit from the listed accounts and inquiries on my consumer report. Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Dear CFPB Leadership Team, I am the co-signer on 3 private student loans regarding my son 's ( XXXX XXXX ) attendance at XXXX XXXX College where he graduated with a XXXX XXXX XXXX   degree in 2011. Since then, my son has worked very hard to be accepted into the XXXX Department at the XXXX XXXX XXXX. 

After he graduated from XXXX XXXX, and before going back to college, he landed a full-time job and faithfully paid on his student loans for about 2 years. At some point the 3 private XXXX Bank student loans were combined into one payment. Later, there was a transfer of his accounts to XXXX XXXX. XXXX had returned to college by then and XXXX XXXX did not know he was again a student when the accounts were transferred to them. I had to plead with them to no avail about his need for deferred status while in school and eventually the MN Attorney General 's office became involved to help advocate for a student deferral and XXXX XXXX granted the deferment. Now we learn the transferred accounts have been taken over by XXXX and they want immediate payment. I pleaded XXXX 's case again with XXXX and explained that XXXX XXXX granted the student related deferment, but now XXXX phone people state that XXXX follows the original XXXX Bank arrangement and won't help XXXX with a student related deferment. The three combined payments they want is approximately {$480.00} per month. 

My son does not have that kind of money right now and neither do I. Again, he faithfully paid on his loans after graduating from XXXX XXXX. Also, it is much more difficult to secure student loans for a second XXXX XXXX degree compared to loans offered for upper level degrees which are more generous with the dollar amounts given. An XXXX XXXX degree is much too difficult to achieve when XXXX  wasn't your XXXX degree, hence my son is working for his XXXX in XXXX XXXX. 

Thank you very much for your time. I have also written again to the MN AG office and they advised it is wise to also contact your office. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation