BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: IN
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 have noticed multiple inquiries on my credit report that I do not recognize. There are also inquiries that I do recognized but never consented to have the inquiry placed on my report. The follow is a list of these above mentioned inquiries I would like removed from my 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It appears that someone other than me has obtained my personal information and has been attempting to use it try and get credit with it. With this being a major issue for me I would like to place a credit freeze on my account and given further instructions on how to proceed with the situation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase informed me 2 weeks ago that my account was closed. Thats fine. They don't have to do business with me but send me my XXXX money already. 

They said they would send the cashier 's check for the remaining balance in 7-10 business days from the account closure. They still have not and now they're refusing to speak to me over their secure messaging system. 

Give me my money back already. I will begin assessing hardship and expenses associated as a result of you not giving my money back. It's an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
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:
My Name is XXXX XXXX and I am XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXXlocated in FL. I am not sure if you will be able to help but XXXX XXXX XXXX XXXX  told me to try here. 
We have been with Fifth Third bank since XXXX of XXXX after filing for XXXX  XXXX  XXXX. Our case was dismissed, not discharged, in XXXX of XXXX. 
We looked into the PPP when it became available and a rep from 5/3 called and did the questionairre on the phone. I told him about the XXXX  XXXX and we were accepted with {$110000.00} being deposited in our account. 
I received emails to apply for forgiveness which both our CPA and I tried to do. I went to the branch and asked a rep and was told he didn't think the portal was open. A few days later I spoke with XXXX XXXX XXXX with 5/3. He also tried the portal which didn't work. We spoke a few more times and he thought maybe it was because of the filing. I received invoice in XXXX and made it and three more payments of {$9100.00} per month hoping we would find out something with XXXX saying it would be returned upon forgiveness. I emailed XXXX and asked for a reduction as that amount was difficult and was told he didn't control that. He suggested I speak with the SBA. I did speak with XXXX XXXX on XX/XX/XXXX and explained it all to him and he emailed me with information with a link to " XXXX XXXX XXXX with XXXX  XXXX, XXXX, XXXX XXXX XXXX having infomation pertaining to our situation. I forwarded that to our CPA and to XXXX. Our CPA XXXX XXXX asked me to set up a three way call with XXXX to discuss the problem. I emailed XXXX and again and again. His response was " he was working with management on this. I will get back with you. '' XXXX XXXX, I went into our branch spoke with branch manager who called XXXX and his response was the same. She gave me a fax number that I sent a letter to with no response. Since that time I have emailed him many times ( have emails of ) with no response. 
Beginning of XXXX received a letter saying we are in default. I called the number on the letter ( XXXX bank ) spoke with a XXXX who told me nothing could be done. Perhaps if I had been able to speak with someone else to give me guidance I wouldn't be here now. The only one who did try to help was the branch manager who was fired two weeks ago-coincidence? I really can not believe that a bank involved in these loans has no knowledge of solutions when problems arise. Now I live in fear that the bank will freeze our account. 
I really don't know where to turn. I have called a business attorney who said it wasn't their expertise. I have been in touch with XXXX XXXX with SBA who sent me more information. 
I am hoping you may be able to help. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 2023-05-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX, have written this dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are no longer outstanding for the following items : PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$2200.00} PARTY OWED : XXXX XXXX XXXX ACCOUNT # : XXXX AMOUNT : {$16000.00} I am disputing this claim ( s ) due to : I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRADULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATEL. 

This is my official request to have the aforementioned items to be deleted off of my credit report. Enclosed may be additional evidence to support my claims. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is the only correct address that should be listed on my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ky XXXX Also my correct name spelling is XXXX XXXX XXXX this is the only correct name that should be listed on my Credit Report I have no other variations of a name.. Also I have only one phone number XXXX I have provided complete documentation to the Credit Bureau XXXXs on multiple occasions by Certified mail and still they have not corrected the Personal Information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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 non-monetary relief
Consumer complaint received 2022-06-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
The American Express XXXX XXXX XXXX card used to allow cardholders to " cash out '' Amex Membership Reward points into a linked XXXX brokerage account for XXXX cents per point. 

At some point, the cash out value was reduced to XXXX cents per point. This change was made at the same time that other changes to the XXXX card benefits, along with an annual fee increase. 

I received no notice or disclosure that the value per point was changing, as Amex only gave me notice of the changes that applied to ALL Platinum cards, rather than changes to my specific Amex card, which had other benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24
Company: EQUIFAX, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
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:
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 : 1. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XX/XX/XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud BANK XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2021-09-01
Company: EQUIFAX, INC.
State: NC
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 XXXX of 2021 I submitted a certified letter to XXXX, Equifax, XXXX, and XXXX to verify how they reported a bankruptcy on my credit report. None of them provided me with information on how the bankruptcy was added to my credit profile and I got a letter from the court stating they do not furnish any of this information to any of the credit bureaus. It is my right to have this information removed from my credit report since the court does not provide such information and it's illegal to add things that are not furnished by the original provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Called to request a refund on my loan ( {$1200.00} ) at the end of XX/XX/2022. I have called several times since then and there has been no movement. I called again this morning, XX/XX/2022 and there was still no movement and no change.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-08-19
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:
FCRA violations : inquires not mine RESIDENT VERIFY Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Apartment complex XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXXXXXX TEXAS, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : payments never late XXXX XXXX BANK XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid , Closed. 

FCRA violations : accounts not mine XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$730.00} Status Account charged off. {$730.00} written off. {$730.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$10000.00} written

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 2022-11-20
Company: Nelnet, Inc.
State: CO
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:
On XX/XX/XXXX, I requested a refund from Nelnet for payments I voluntarily made towards my student loans during the COVID19 forbearance period. The total refund requested was for a one-time payment of {$5000.00} made on XX/XX/XXXX. I am entitled to this refund as per the CARES Act. I am worried that my refund request has somehow been lost, as I now know multiple people serviced through Nelnet who requested refunds far after my initial refund request who have already received their refunds. When I call Nelnet, they repeatedly tell me that my refund request is " processing '' and are unable to offer me any additional information. It has now been nearly 8 weeks since my request, when Nelnet representatives have quoted me an approximate 4-6 week turnaround time. I understand they are currently inundated with refund requests, but something does not seem right here. I am submitting this complaint in order to at the very least receive more information from Nelnet about the status of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Experian Consumer Services has broken the law by ignoring their responsibilities when it comes to conducting business in a ***TIMELY*** manner. It has been over 90 days ( XX/XX/2022 ) since my original dispute and Experian has taken no action whatsoever. Experian has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 2022-08-19
Company: MONEY SOURCE, INC., THE
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We, XXXX XXXX XXXX and my husband, XXXX XXXX XXXX XXXX want to complain about our mortgage company , The Money Source, using predatory collection. This is our situation : We just finished paying a {$41000.00} XXXX  XXXX bankruptcy plan. 
During the plan, we fall behind with our mortgage payments. Our mortgage company , The Money Source took our case to court, and the court order that we pay a total of {$13000.00} in arrears. We paid that amount in three installments : {$1100.00} in XX/XX/2020, {$1100.00} in XX/XX/2020. The balance we paid with two checks totaling {$11000.00} on XX/XX/2020. 
After that, the monthly statements we received from The Money Source were very confusing. They always displayed a ( big ) balance still due. I made all the payments by phone, and I would ask the operator how much we really owed, if we still were behind in payments, which we were sure we were not. I was told every time that we were fine. Then we started getting letters saying we were behind and that we were going to get foreclosed. I called their collections department on XX/XX/XXXX, to get clarification. I spoke with a collections - our account is in collections! - representative who explained to me that we owed one month, plus {$920.00} fees in " corporate advances '' incurred for several visits to our home by investigators to make sure we were still living here (!!! ). I explained to her that we, my husband and I, believed we were not behind, because we have been paying faithfully after we paid off the amount in arrears. She said we were behind one monthly payment ( {$2300.00} ) plus the {$920.00} " corporate advances '' fees. Both me and my husband are very upset for getting this warning of foreclosure letters. We paid the amount in arrears, besides having to pay the IRS $ XXXX in back taxes. And this The Money Source company is not helping by sending us predatory letters, using the " foreclosure '' language.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: MO
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:
15 U.S. Code 1681 Section 602 states I have the right to privacy 15 U.S. Code 1681s2 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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