BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: Nelnet, 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:
The company has been provided with an official student loan deferment document that was signed by a school administrator. The company refuses to cooperate with federal laws that govern credit reporting.

I would like to reference these credit laws/act that protect consumers against negative reporting by bureaus and creditors. 

The Fair Credit Reporting Act ( FCRA ) - The FCRA requires that credit reporting agencies maintain accurate and complete credit reports for consumers. If you believe that the late payments on your federal student loans account are being reported inaccurately, you can dispute the information with the credit reporting agencies under the FCRA. 

The Higher Education Act - The Higher Education Act includes provisions related to the reporting of student loans to credit reporting agencies. Specifically, the Act requires that credit reporting agencies remove any negative credit reporting related to a defaulted federal student loan if the borrower enters into a rehabilitation agreement and makes nine on-time payments in a ten-month period. 

The Department of Education 's Credit Reporting Guidance - The Department of Education provides guidance to loan servicers regarding the reporting of federal student loans to credit reporting agencies. This guidance includes information about how late payments should be reported and may provide grounds for disputing any inaccurate information on your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: TX
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:
This formal complaint is against XXXX, Experian and XXXX for unlawfully reporting fraudulent accounts that were established using personal identification without my authorization or written consent. XXXX has willfully and negligently ignored multiple dispute requests to properly address fraudulent information being furnished on my consumer report. You have failed and neglected to provide written proof and validation that these alleged accounts belong truly to me. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged accounts, nor therefore any such debt, in fact therefore exists.

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 2023-07-27
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX i tried to pay my mortgage, but since this is my last payment the website doesnt allow me to make the last payment of XXXX. The website will only allow me to pay XXXX i make a payment in this amount and then call RightPath servicing to find out what i need to make a final payment. The phone rep says i can pay only with a certiefied check or by wire since that is company policy. When i ask for the payoff amount I am told i can have it immediate for {$25.00} dollars or it can be mailed at no charge. I choose mail and ask what will happen to the payment i made. the rep says it will be rejected because it is lower then the normal monthly payment. The final payment total is available online on XX/XX/XXXX in my account documents. i send the amount of XXXX by wire that morning. On XX/XX/XXXX the payment of XXXX that i was told would be rejected is withdrawn from my account leaving my checking overdrawn by {$580.00} dollars. My wife and I both call RightPath servicing and are told there is nothing they can do at this time until it clears and then we can send a statement from my bank so we can recover our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: NY
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:
My Equifax account can not be accessed. I repeatedly ( for several weeks now ) get the same error message stating they are temporarily unable to process this request. Please try again later. I have tried many times. I have called Equifax 3 times. Twice I was literally hung up on by their automated service. Once I was able to speak to someone that barely spoke English. She had said I would receive a code by email to reset my account. That did not happen. I do not know how to get my account back. Considering our household has been the victims of financial fraud twice in the last 12 months, it is importatnt to be able to monitor our credit reports. I do have access to XXXX and XXXX without any problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-08-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My private school loan was transferred from XXXX XXXX to Navient XX/XX/XXXX. 

Since that time I have been making payment buts since it is a variable interest rate my interest rate has ballooned. 

Attached is a printout of my payment history. 

The last phone conversation I had with XXXX XXXX at Navient on XX/XX/XXXX inquiring why my payments are increasing even when the Feds don't raise interest rates, I was informed that every 3 months my payment history is reviewed and they automatically raise my interest rate without informing me. Currently my interest rate is at 17.625. 

At this rate, I will never pay back this loan amount. This is very suspicious practices by Navient and feel that I am being taken care of. My loan rate has gone up to almost 250 %. 

I understand Navient has been sued before and want to be included in a class action suit. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Unexpected or other fees

Complaint:
I went to change a check of the amount of XXXX $ to the western union that is located on lXXXX XXXX XXXX XXXX XXXX XXXX  and the charge me XXXX to change it I think thats to much money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
Last XXXX I leased my XXXX XXXX XXXX. Immediately after lease the radio and screen in the car quit working and would come on and off as I would drive. Rather than take it in for repair, I decided to continue going to work because I could not be without a vehicle. 

From there, the car engine blew on the way home one day and I was forced to have it towed. XXXX did very little make sure I was okay or had a vehicle to work with even though their new vehicle broke down on me and was fully paid. I was without my car and then also did not have a loaner until 10 days later. Due to the fact that I was forced to pay for a vehicle I did not have, I could not afford a rental car and that is what XXXX was telling me to do. Pay for a rental out of my pocket and they would pay it back. Which seems incredible unfair to the blue collared worker or someone who is paycheck to paycheck. Because of this I was forced to go without a vehicle and miss days of work because of it. 

Then in late XXXX XXXX I received my vehicle back with a " new engine ''. Upon receiving my new vehicle I was already hesitant to drive it and did not trust it enough to take it on the highway. Instantly when getting the vehicle returned I knew something was still wrong. I called XXXX every single day leading up to my car engine going out for the SECOND TIME in the middle of the road. Luckily I was able to turn the car off, then back on and get home, but never over 40mph. The following day I had the car towed and the dealership informed me they could find nothing wrong and that the memory card had no recollection of the issue and the XXXXCheck Engine Light ' had also not come on. So then I was informed to go get the vehicle once again and use it. 

When I returned to the dealership XX/XX/XXXX to pick it up, I was informed the vehicle had issues when one of the technicians drove it so my story was finally viable and they were going to keep it. Again, leaving work early and missing out on hours when a phone call could have saved everything. Simple mistake so not that big of a deal, but once again no loaner was given so I had to XXXX to work once again, taking money out of my pocket that should be XXXX 's. Now XXXX is sending out a field technician to look over the vehicle in an attempt to fix it. Mind you this has been going on for 3 months now and all three months I was forced to pay in full with XXXX not trying to help AT ALL. I have contacted them over XXXX times, maybe daily and have just now turned to the help of other organizations. My case should have been escalated long ago and this company is taking advantage of the every day blue collared worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
The company is Robin Hood. 

I transfered XXXX to my Robin hood account and they froze my account after the money had already left my bank. It took 5 days to do this and now they said a review will take 7-10 days. Instead of reviewing my documents before shutting my account they locked my account AFTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Resurgent Capital Services L.P.
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: Their investigation did not fix an error on your report

Complaint:
LVNV and XXXX XXXX XXXX XXXX has failed to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account # XXXX was deleted from XXXX on XX/XX/2022 and then reinserted on the credit report on XXXX XXXX which violates FCRA 15 usc 1681i - reinsertion after deleted materials.

( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

This also violates FCRA 15 usc 1681 ( b ) once the account was deleted from my file, the information may NOT be reinserted in the file unless it was certified complete and accurate, which is not due to the many inaccuracies of the verified date, date reported, date opened and last payments.

Lastly, it violates FCRA 15 USC 1681 ( ii ) Notice to consumer.

If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I was never notified of the reinsertion in writing within 5 business days of the reinsertion and I never authorized this to take place. I have contacted the Attorney General 's OfficeXXXX XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I am demanding that this debt be entirely removed from all three credit bureaus or I will be seeking statutory damages as XXXX willfully violated its obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
I reviewed by consumer report and noticed that I had 2 late payments on an account that I was never late paying. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for XXXX XXXX ( Account number XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be, being as I was NEVER late. 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 non-monetary relief
Consumer complaint received 2023-06-17
Company: Security Credit Services, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Identity theft. I never signed a contract with this company. Never heard of this company nor have I ever recieved notice of any alleged debt. They are also in violation of copyright infringement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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:
I have unknown accounts that needs to be looked into and removed from my 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 non-monetary relief
Consumer complaint received 2022-12-27
Company: FIRST ADVANTAGE CORPORATION
State: MD
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 was not made aware that I can opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Foris DAX, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, I linked my bank to Crypto.com and purchased {$100.00} in Bitcoin. I chose the instant transfer method, which appeared to let me access my cryptocurrency immediately. While I was able to purchase {$100.00} in Bitcoin, it was essentially locked in my account and is still locked in my account as of XX/XX/XXXX. That is a total of 12 days, or 8 business days. It was not clearly visible to me prior to making the purchase that the Bitcoin I purchased would not be available to me to transfer to an external wallet. It was deceptive in the name of the type of transfer and in the way that the business is holding my money hostage, essentially. 

I made further purchases with my debit card, which allowed me to access my bitcoin instantly. While the original {$100.00} was still frozen, I could transfer the debit card purchased bitcoin. I made multiple debit card purchases without issue. Today, XX/XX/XXXX, I purchased {$150.00} in Bitcoin and initiated a transfer to an external wallet. Minutes after, I received an email letting me know that my account was disabled while they verify that I own the card I'm using on their site. What's interesting is that the purchased bitcoin is still in my account, it is just frozen with the original {$100.00}, meaning Crypto.com is holding {$250.00} of my money and will not let me move it. Representatives for Crypto.com have been extremely incompetent and unhelpful throughout the process. I have verified my identity with Crypto.com twice, they have approved my verification documents and there is no issue there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance {$21000.00} ; XXXX XXXX XXXX  XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX XXXXXXXX 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 ; XXXX Inquiry : XXXX 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 non-monetary relief