BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: EQUIFAX, 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:
Equifax, XXXX, XXXX, AND XXXX have continued to report unauthorized information on my credit report. I have disputed this information several times with no avail. Equifax, XXXX, and XXXX all state that they have received and verified information from XXXX who lied and stated it gets its information the Bankruptcy XXXX. The Bankruptcy XXXX is not a creditor and does not furnish any information to credit bureaus they buy data from XXXX a company that I have requested not furnish any information on my behalf and have also opt, out. as I am entitled to. I Per FCRA information being furnished must come directly from the creditor and must be accurate and the creditor must have followed the credit reporting guidelines before reporting information to credit bureaus. Furthermore, I have never given consent for XXXX to furnish any date on my behalf which is requred per FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hi, My name is XXXX XXXX. I graduated from the XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Degree in XXXX XXXX XXXX XXXX. 

When I signed up for the school, they told me that I could get a loan through Navient ( XXXX XXXX at the time ) but in order to do that I would need to have a co-signer on my loan. I was also clearly told that 2 years after my graduation date I would have the co-signer off my loan. It 's been 8 years no and I still ca n't get this to happen. 

- I called about 4 years ago and asked them how to get the co-signer released. The agent told me that in order for that to happen, I would need to be making consecutive payments for 1 years and then apply for a " co-signer release ''. 

- I called 1 year after ( and making payments with out fail ) and this agent told me I was mis-informed. That I needed to be making payments of X amount in order to apply for a " co-signer release ''. 

- I did what they asked again, called again a year after and now this agent told me I was mis-informed again about the payment amount, that in order to apply for a " co-signer release '' I 'd need to be making payments of about {$1700.00} a month. I broke down crying and told them they were doing this on purpose, I know they are just doing all they can so I 'm never able to have my co-signer off my loan. Do n't forget, it was suppose to be 2 years after, no one ever told me about these conditions! Not the financial adviser at XXXX XXXX XXXX, not Navient, no one. I would never have signed up for this loan if I know I would keep my mother on the hook for life. This is a true SCAM. 

- I contacted the Mass Attorney General 's office and spoke to a person in Insurance & Financial Services Division. This person contacted Navient on my behalf, and Navient told her that I wo n't be able to apply for a " co-signer release '' because my " debt-to-income ratio '' does not qualify for such. 

- Asked the person at Insurance & Financial Services Division to ask Navient how much money I would need to be making to apply for this " co-signer release ''. She called Navient and Navient told her that they do not disclose this information. That it 's proprietary information. So basically, any time I try to apply they can always say " it 's not enough ''. And in this way, they keep me and my mother slaves of their corporation for LIFE. 


I need to get my co-signer off my loan, it 's enough. 8 Years of this, I ca n't have a good night sleep knowing that even if I die or something happens to me for some reason, my poor mother who makes only enough to survive, will get slammed with my loan on top of my XXXX and will completely cripple her life even further. 


I need to get my co-signer off my loan. IT 'S ENOUGH. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our FHA mortgage was paid off on XX/XX/2022. Due to being paid through a court appointed trustee additional payments were sent after the loan was closed. A payment in the amount of {$4000.00} was applied to escrow on XX/XX/2022 and a payment of {$1400.00} was applied to escrow on XX/XX/2022. 

I have contacted Freedom Mortgage to return the escrow funds via phone and email a minimum of 5 different times. They keep telling me that they have to research why the funds have not been returned. I got tired of hearing excuses so I completed some research of my own. 

It was through my research that I found SS 1024.34 ( a ). This said that once a loan is closed the mortgage company has 20 days to return funds in the escrow account if they are not rolled over into a new loan. 

I sent a message to Freedom Mortgage on XX/XX/2022 noting this protection and they emailed me back the same generic message that it needs to be investigated and they need until XX/XX/2022 to complete the investigation. 

They have quoted me at least 5 different dates that the investigation should be completed by and not once have they ever completed anything related to my request to have the funds returned to the trustee. 

I am at my wits end trying to get the funds returned as they would help us pay a good portion of our bankruptcy off and they should have been returned long ago. I am not sure how they are supposed to have 20 days to return the funds but they have taken almost 4 months already and there is no end in sight for they funds will be returned. 

I am trying to get some oversight involved in the hopes that it will help Freedom Mortgage comply with precedent when it comes to returning funds on a closed account. 

Any help would be greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions. 


# 1 - EQUIFAX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 2 - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # 3 - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX XXXX  INQUIRY DATE XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TN
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 XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX  XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, and XXXX XXXX XXXX account XXXX XXXX have 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 2020-08-19
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Please note my chief complaint is misappropriation of principle and Interest payments made to Chrysler capital. As a young XXXX American who is considered low-income. I also believe that I am paying a higher Interest rate because I am XXXX American. This is A payment was made to Chrysler and Chrysler capital applied the entire double payment that I made to my interest and nothing to the principle that was due. They advised that they did not send out a notice or have to get my signature for such action because it was a recording. I asked them to provide documentation of such motion but to no avail. In this current pandemic, I was able to pay {$1100.00} which I really did not have to spare. ( From XXXX XX/XX/XXXX to Date XX/XX/XXXX, {$5200.00} has been paid towards the interest. {$1700.00} has been paid towards the principal. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I have wired money from my bank ( XXXX XXXX  ) to XXXX. I wired {$500.00} and paid {$50.00} fee for that transaction. 
See attached first file for the record of that wire. 
On XX/XX/2022 I have wired money, second time, to the same bank in XXXX. This time I sent {$650.00} and paid another {$50.00} fee. 
See attached second file for the record of that second transaction. 
Then I received my monthly bank statement for XXXX. On it was a deposit from an unknown source for {$430.00}. Deposit was made on XX/XX/2022. The only description of that transaction was : XXXX XXXX XXXXXXXX. 
See attached third file. 
I filed a complaint with my bank about deposit from this unknown source. 
After an investigation, my XXXX XXXX  had informed me that, while XXXX XXXX  did send my wire through, an intermediate company had refused to forward my wire to XXXX. Rejection of my XX/XX/XXXX wire was made by J.P.Morgan Chase. {$430.00} deposit was J.P.Morgan Chase 's idea of a refund for the {$500.00} I had sent.

My bank had informed me to expect similar rejection of my second wire. 
I have now received my XXXX statement from my bank and, as I was told to expect, there is a deposit of {$580.00} made on XX/XX/2022, by an unknown source, with the only description of a transaction : XXXX XXXX XXXXXXXX. So, on this second transaction I have sent {$650.00}, but got back {$580.00}. 
See attached fourth file. 
The result of these 2 transactions : I have sent {$1100.00} to XXXX, but JP Morgan Chase has robbed my beneficiary of these {$1100.00} and put {$130.00} of that money in its pocket! 
The manager at my branch in XXXX XXXX  had informed me that they moved my initial complaint higher up and gave me the person higher up in XXXX XXXX  to get all the information that XXXX XXXX  has received. 
That person 's name is XXXX XXXX. His phone number is XXXX. 
He said he was not allowed to provide any documentation, but he did read me the statement he received from J.P.Morgan Chase.

Statement he read was : " Unable to execute due to internal policy. No OSAC  reporting made ''. 
( I am not sure if it was OSAC or OFAC report that was not made ). 

JP Morgan Chase is illegally robbing beneficiaries in XXXX and stealing senders money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: MA
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:
On my first complaint to the three credit bureaus XXXX, Equifax and XXXX, I requested the method of verification for an account that is being reported on my credit report with the name of XXXX XXXX. I sent the credit bureaus a method of verification letter and they never provided me with anything, so I then sent the credit bureaus a second method of verification letter telling them that my first letter was about me asking them for the method of verification for that specific account and still they have not provided me with anything but they still tell me that the account was verified. I know that by law I have a right to ask for the method of verification for an account and the credit bureaus must provide the consumer with this information and I also know that by law and according to what the fcra says, credit bureaus have 15 days to provide the method of verification to the consumer. I want the account XXXX XXXX deleted from my credit report because the credit bureaus failed to provide me with the method of verification in 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 2022-05-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022 I sent Equifax a letter via certified mail asking them to investigate and delete the following accounts due to multiple inaccuracies. In the letter I sent each inaccuracy was explained in detail. Enclosed in the letter I sent them was copies of my credit reports with all of the inaccuracies highlighted and circled. Today XX/XX/2022 I received their response in the mail. Instead them honoring my request they are requesting more information for proof of my identity which they already have. 

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. 

XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # 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 2019-07-21
Company: MicroBilt / PRBC (formerly CL Verify)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have contacted your company multiple times concerning a security freeze due to I am a victim of Identity theft. 
Conpany keep sending mail stating not enough to verify my identity. Ive sent my cdl birth certificate bank statements social security card and utility bills to them but they keep requesting more documents to prevent applying freeze as Ive requested multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX XXXX, I was contacted by XXXX XXXX, based in Mississippi, about consolidating/refinancing my XXXX XXXX student loan, which had a relatively low fixed interest rate. The XXXX offer included a 0.25 % discount for signing up for ACH withdrawal linkage, as well as a 1.0 % discount for on-time payments. When I originally spoke with the loan officer, the loan was to be reamortized over 30 years. However, by the time Within a short time, XXXX was acquired by XXXX XXXX XXXX XXXX XXXX XXXX This transfer did not affect my payment schedule. Then in XXXX, XXXX was acquired/sold the loans to XXXX. At this point, my payment was jacked up from $ 200/month to $ 300/month and the amortization changed from 30 years to 20 years. 

Not long later, the note was transferred to XXXX. Then it was transferred to XXXX. At this point, XXXX raised my interest rate to 4.50 %. I attempted repeatedly to resolve the matter, but their XXXX XXXXervice reps always refused to hear my complaint or to escalate the matter. They also refused to provide the complete original loan documents including the Promissory Note and Amortization Schedule. I informed them that they assessed my loan as ~ {$10000.00} more than I owed. 

Then this summer - XXXX - my note was transferred to Nelnet. NelNet claims that my interest rate stands at 5.5 %. They are unable to provide any documentation about my loan. The federal government 's website, http : //studentloans.gov, also comes up empty when I search for any promissory notes or amortization papers. 

According to my estimate, my student loan was paid off this summer, in XXXX XXXX. Therefore, I have overpaid NelNetXXXX by ~ {$600.00}. I hereby request a full refund of the amount I overpaid, and to have the debt eliminated from my credit reports, declaring the loan PAID IN FULL. 

I look forward to your response. 

Sincerely, XXXX XXXX XXXX Rhode XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: MA
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. 
XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX. Account number : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 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 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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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. 
XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account number : XXXX has violated my rights. 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 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 2022-08-05
Company: Experian Information Solutions 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 Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name XXXX XXXX XXXXXXXX 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 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 2022-08-05
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 Account Name : XXXX XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX Account # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account # XXXX, Account Name : XXXX XXXX Account # XXXX XXXX Account Name : 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 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