BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: DE
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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX RI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
Nissan XXXX has a portal to communicate messages about lease end intentions. I communicated that I planned to lease again in the Winter of this year ( XXXX ). Then I took the XXXX XXXX  XXXX into the local dealer where I have conducted business for the last XXXX years and made a sales order for a new lease XX/XX/XXXX which includes the local dealer purchasing my currently leased vehicle. In XXXX, I went into the portal to make payment and it said contact the XXXX # your lease is expired. I did this and XXXX told me to obtain information from the dealer to evidence the sales order. I did that but there was a missed email/fax by the local dealer so then I subsequently resent the information to Nissan on XXXX. After resending the required information they denied my extension and sent me a letter to call or return the vehicle to Nissan. 

The behavior by the lease termination team seems to be extraordinary given everyone that is in my situation is in the same situation waiting for allocation orders to be fulfilled. I'm at lost as to why I am an exception to not receiving an extension or agreement to retain my car until my new lease car is ready. I am a very disappointed loyal customer who has leased with Nissan XXXX for more than XXXX years and including being a joint signor on other leases for relatives. 

This complaint is being made because the fact is that my lease intentions were communicated in the message portal and I no longer have access to that portal or all of my payment history with Nissan. I made the last payment to Nissan on XX/XX/XXXX and was under the impression I was making another payment in XXXX based on what I reviewed at the time of the payment and so that is when in mid to late XXXX I realized I didn't have access to all of my information in the portal and that I needed to contact them which is when I was in contact with XXXX via the XXXX # on the portal screen. 

I am also making this complaint as it seems irresponsible for the Lease End Termination team to handle my situation the way it is being handled given the current economic conditions that are as a result of the COVID 19 pandemic. Deman is high and supply is low which is delaying the sale transaction in progress since XX/XX/XXXX, and prior to XX/XX/XXXX as intentions were communicated in the message portal. 

I request that Nissan XXXX permit me to retain my car as per all other customers in this situation until my new car arrives at the local dealer XXXX of XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hello, I have been a victim of identify theft with Conns Corporation since 2019 and have attempted to dispute this debt with XXXX three times now that shows up as a derogatory closed account on my credit report. 
I have asked numerous times that they provide me with the steps they took in validating this debt, proof of original contract with my signature, and the steps they took under 15 USC 1581 to provide me with documents and the steps they took for the required reinvestigation. I have even supplied them with a copy of my IDtheft.gov claim number and file which clarifies this contract was fraudulent, security footage shows I never was in the store on the date which this contract was signed, and they can not provide a signature that is accurate and matches my own on this fraudulent charge. I have received a bill, but never an original contract which proves this was not identity theft and fraud. A man signed this account under my name and social which was never granted and a police report was even opened, which XXXX refuses to provide me with the original contract and loan validation that proves I was in fact, the person who agreed to this account, in store as stated by Conns where the contract was signed. I can not allow this fraudulent account to remain on my credit report and will seek out legal representation if it comes to such measures to prove I was never the individual to agree to this contract or apply for such. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2022-06-25
Company: EQUIFAX, INC.
State: NJ
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, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 an 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not liable for these accounts, they are littered with inaccuracies. I have sent a letter to Transunion on XX/XX/2022 requesting to investigate and verify the Accuracy of the accounts on my Credit Report. These accounts ( XXXX XXXX XXXX XXXX  ) are reporting erroneous information on my File. Despite the previous written requests sent to Transunion, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Transunion to investigate the erroneous accounts and have it removed.

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 2022-06-25
Company: PROVIDENT FUNDING ASSOCIATES
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I received a letter from Provident Funding Associates , LP indicating that they have not received my mortgage payment that was due on XX/XX/2022 and I have a late charge of {$34.00}. I have a cancelled check indicating that I paid XXXX 's payment early on XX/XX/2022. I will write to them within 30 days to let them know. 
The problem is, that they did this to me on XX/XX/2022, when they claimed that I did not make a payment. I sent a letter with proof that I already paid, but they said that I didn't and so I paid the late charge in order to keep my excellent credit rating. 
For over ten years, I have paid my mortgage a month ahead and there was never a problem before this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00}

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 2022-06-25
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: Their investigation did not fix an error on your report

Complaint:
I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX XXXX : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: American Financial Network Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
American Financial Network called me yesterday XX/XX/2022 and I called back at XXXX PM and the call lasted 10 minutes and 23 seconds. During the conversation I was told nothing about the company needing any additional information, I was told nothing about what the status of the loan modification was, and then during the end of the call, I was told that my mortgage was under review and pending approval for a loan modification. 

I do not know what to do when I am constantly getting different information every time I speak to people at American Financial Network and XXXX XXXX XXXX. I can't decide what to do or what steps I need to take as a result. I have provided the information requested by American Financial Network and XXXX countless times without fail. I would also not that recently I was told that XXXX has the mortgage or loan number XXXX. I have no idea what is expected of me or what to do and this fraud and misinformation campaign needs to end!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: Exeter Finance Corp.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are some inconsistencies with this account among each credit bureaus. Including, The amount, the date of last payment and the date that the credit opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I have tried multiple times to have my personal information updated to show the correct address where I can be reached. I sent both written requests as well as called XXXX and Equifax to have this issue corrected and both credit bureaus are still reporting outdated addresses on my credit reports. 

Please see attachments of my current request as well as a copy of the written requests that I sent previously via USPS certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: FL
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:
Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-25
Company: FISERV INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
XXXX XXXX, my payroll debit card was compromised and {$100.00} was taken out of a XXXX ATM machine inside a XXXX XXXX XXXX XXXX in XXXX Texas XXXX 
I've contacted police department by phone in XXXX and as a result, no report can be made since it's not criminal according to the police. Fraud is criminal correct? Please follow up with me to see about further reporting and catching this culprit. Thank You.

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 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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.

has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-12-05
Company: EdFinancial Services
State: LA
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:
I hold XXXX federal loans that are serviced through edFinancial services. The total amount of these loans came to {$15000.00}. 

On XX/XX/2023, I payed the full amount of these loans to edFinancial services. I used their auto-allocation option, which automatically allocates money to each loan depending on certain factors. This option allocated the money disproportionately, giving the XXXX highest interest rate loans a negative balance of $ XXXX and $ XXXX and not affecting the other XXXX loans significantly. Because of this, my account still shows a balance of {$9200.00} and interest continues to grow on it. 

On XX/XX/2023 I called edFinancial and the representative I spoke with told me that the funds could be reapplied in order to make the balance on my account {$0.00}, and that the interest would be rolled back to the date I paid and effectively removed. I have not been given any update from them and have seen no movement on my account since.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NV
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 called your department after I purchased a credit report with XXXX XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were inaccurate accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud and inaccurate items on my credit report all this time, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never had any transaction history with these accounts listed below, so please help me remove these accounts including this incorrect information from my personal profile. A copy of my Bank Statements, Drivers License, and SS ID for my Social Security Number are all included in this request. Please help me resolve this issue as soon as possible. PLEASE DELETE THE FOLLOWING ITEMS : XXXX : XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX Account Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EQUIFAX : XXXX XXXX XXXX XXXX  XXXX Account Balance {$0.00}. Im requesting that you follow the law by removing these inaccurate accounts and please provide me with a free updated credit report within 30 days. Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank Statements, Drivers License, and SS ID as verification of my ONLY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: FIFTH THIRD FINANCIAL CORPORATION
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:
On or about XX/XX/2023 I requested documentation to establish a clear legal or equitable right to make a claim on account they are reporting on my consumer report and requesting claim for acct XXXX. This isn't the first or 2nd time, Dividend Solar keeps reporting improper on my consumer report. Also I requested the same information from XXXX XXXX XXXX XXXX XXXX ( XXXX ) for accounts XXXX & XXXX. XXXX still have not responded to my requests

Company response to consumer: Closed with explanation