BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-03
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
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:
I am interested in disputing all incorrect information on my credit report with Equifax. please update an remove all invalid data.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, I still have an account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that has been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: FL
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 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, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.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 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 2023-01-04
Company: Experian Information Solutions Inc.
State: IL
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: Investigation took more than 30 days

Complaint:
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, last date reported is Inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 602 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions Also, Credit bureaus took more than 30 days to complete my investigation Here is my CERTIFIED MAIL Tracking # XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: NC
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:
On numerous occasions, I have asked the 3 major credit bureaus to please stop reporting mis-information. I sent all three credit bureaus a copy of my license and a bill to confirm my personal information. 

I've also asked them to verify and validate that the information is correct. Credit reporting laws ensure us that the credit bureaus must report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-01-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to XXXX, but they have indicated I need to submit a fraud report through CFPB.

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 2022-06-09
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Initially my loan was with Santander Consumer USA. Beginning XX/XX/2019, my account was bought by XXXX XXXX XXXX XXXX. Issues misrepresenting my information : 1 ) Santander claims XXXX, XXXX, XXXX, and XXXX were late but these payments were made to XXXX XXXX XXXX XXXX. 
2 ) Prior my dispute, Santander claimed other months and after disputing with XXXX completely changed the months I was late for. It does not makes sense to have 2 months paid and 2 months not in between when I was paying XXXX XXXX XXXX XXXX. 
I would kindly as to advise on this matter. 
**Attached is a document sent from XXXX XXXX to bring clarification to this issue. 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: UMPQUA HOLDINGS CORPORATION
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Regarding Umpqua Bank of XXXX, OR : Lender took on loan application knowing deadlines and conditions, then declined 8 weeks into the process, just 2.5 weeks ' shy of closing, providing superficial reasoning and zero opportunity for mitigation by borrower. I am now left with no alternate options to close in time, and will have a personal financial impact of $ XXXX due to their incompetence. Lender also refuses to acknowledge my multiple attempts to recover deposit sent, despite the decline taking place 5 business days ago. This is an unethical bank that does not have the consumer 's best interest in mind, and are a black mark on the state of Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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:
I submitted a request to Transunion to remove the Tax liens on my account. They have been paid in full and released for years. I called the WV Compliance division to ask for a withdrawal statement and they told me they have no such form that once the lien was satisfied the copy should be sufficient for them to remove. WV Compliance told me to file a dispute with the credit reporting agency and provide the copy of the release that states the debt has been satisfied pursuant to the WV code. I sent in copies of all such liens and Transunion sent me back that they completed my request and the information was updated. I needed them removed so that it wo n't hender me with employment. Also, I disputed a credit collection for an XXXX bill that we did n't even receive until it was already turned into collection. We moved and did not receive the bill. We paid the bill in full as soon as the collection company showed up on my report but they did not remove it only updated that it was paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have all of my accounts with Bank of America. On XX/XX/2022, a vendor refunded {$10000.00} to me, by way of the Bank of America Visa credit card I had initially used for the transaction. The card is paid monthly in full ; I do not incur interest on my charges ( the card is used primarily for regular contributions to charities and the vendor transaction at issue was a one-off ). The refund resulted in a balance in my favor of over {$8600.00} ( the Bank owed XXXX money ). On XX/XX/2022, I transferred the {$10000.00} refund to my savings account at Bank of America. On XX/XX/2022, Bank of America assessed a {$500.00} loan fee. The Bank also assessed interest, but agreed to withdraw those charges. It refuses to reverse the loan fee because its system recognizes the {$10000.00} transfer as a cash advance ; claiming that they can do nothing about it the {$500.00} fee. 

I did not borrow {$10000.00}. I received {$10000.00} in XXXX of my Bank of America accounts and then put it into another of my Bank of America accounts. Bank of America did not loan me XXXX cent and incurred no risk or liability. Interestingly, Bank of America folk tell me that if I had only telephoned the Bank and asked a Bank person to make the transfer, rather than doing it electronically online ( which I am allowed to do ), there would have been no fee. This suggests that there is a button to push but that I, the consumer, am not allowed to push it. This sounds like theft and a gotcha to me.

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 monetary relief
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX Transaction date {$390.00} {$490.00}. {$290.00} those are unauthorized transaction which is XXXX transaction from my Bank of America

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 2022-08-03
Company: Resurgent Capital Services L.P.
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:
privacy and confidentiality under 15 USC 1681. 
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 a account without my written 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 2022-08-03
Company: Maximus Education, LLC dba Aidvantage
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Maximus Education , LLC dba Aidvantage has violated my privacy rights with aggravated identity theft. I have the right to opt out of non-affiliated third-party reporting. I can not be forced to waive my rights as a condition of 15 USC 1693I. Maximus Education , LLC dba Aidvantage must disclose my right to opt out and has committed fraud, which has no statute of limitations. Since the Maximus Education , LLC dba Aidvantage committed fraud, I have the right to rescind my signature, which nullifies the contract ( or rather it was void ab initio ). 

VIOLATIONS - 15 USC 1681a ( 2 ) ( A ) ( i ) - 15 USC 1681b ( a ) ( 2 ) - 15 USC 1681n - 15 USC 1681o - 15 USC 6802 - 18 USC 894 In addition to my demand to remove ALL accounts, I am seeking {$18000.00} in damages due to the MULTIPLE violations for each account that you have acted on. Please see attached. This has triggered pain and suffering by emotional distress, risking my livelihood, mental health, and physical health. 

As stated above, Maximus Education , LLC dba Aidvantage has violated me with aggravated identity theft. 

Maximus Education , LLC dba Aidvantage has within FOUR DAYS to remove ALL accounts from ANY and ALL consumer reporting agencies. 

THIS IS NOT A REQUEST TO DISPUTE! THIS IS A DEMAND TO DELETE PER MY RIGHTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$1100.00} they have showing on my XXXX, XXXX and XXXX  credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Nelnet, Inc.
State: FL
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 made a payment on XXXX XXXX, XXXX to a loan that dispersed on XXXX/XXXX/XXXX. This is within 120 days of the dispersal of the loan. Nelnet applied a portion of my payment to interest on this loan. This happens every semester when I get a bit more than I need on my loan, and I pay back the excess in order to only borrow what we need to borrow. Nelnet consistently tries to cheat us out of some of our money. I have filed 2 previous complaints since I realized that they were doing this, and have been doing it since our first loan was sent to them to be serviced. Every time it happens, I contact them and ask why it has happened, and request that they fix it. They always state that they will fix it, and then they do n't. The last time, they only fixed it once I filed a complaint against them with the CFPB. This time I am being pre-emptive, as I should n't have to follow up with them, after every loan dispersal to make sure that they are doing what is required of them by law. I am attaching a copy of the transcript of my conversation with them today. I do hope that they will follow through, although I will be surprised if they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have a signed contract nor any contract with this company. I have the right and by law demand to see a signed contract between myself and this company or request for them to immediately remove the damaging account for {$170.00} they have showing on my XXXX, XXXX and XXXX credit reports. Also, in looking into this company I see they were not even registered in my state to be collecting funds from anyone. Further I have already attempted to send letters to both the collection agency and each of the credit bureaus and all three accounts still remain and I feel as if I am unjustly being asked to suffer and or pay a debt that is not mine so that I am not further damaged. I have yet to receive a letter or a phone call with any proof validating this debt which is to be done by law. I am coming to CFPB with a desperate attempt to get this rectified. Thank You

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: EQUIFAX, INC.
State: AR
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:
We had a credit check for a possible loan while of vacation in late XXXX this year, noted the birthday was incorrect. ( wrong date was ( XX/XX/XXXX ) ). Contacted Equifax, and sent them requested information XXXX this year, XXXX twice ). I have sent Equifax copies of my drivers license and a utility bill from my address as well as a XXXX from that should have been sufficient. Received confirmation number ( XXXX ) dated XX/XX/XXXX. Stating my birthday was corrected toXX/XX/XXXX. Great right! Wrong! Back from couple week travel. Received another confirmation, ( XXXX ) dated XX/XX/XXXX, stating it was CHANGED BACK, to the wrong date! They have all my other personal data correct and I 'm pretty sure no one with my name lives in the house with me! And hope they do n't have my SS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
So I sent a letter off on XXXX.Heres my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report According to the Fair credit reporting act 12 USC 1681. I have a right to privacy, also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. These clear violations of my my federally protected consumer Rights.

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