BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-13
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have tried on a number of occasions to have Equifax correct my credit report because they are showing an " open account '' as " closed ''. It happens to be my auto loan with XXXX XXXX XXXX XXXX  which I clearly still make payments to every month and still drive the vehicle. They are the only credit reporting agency that shows the account as closed. I have tried calling a number of times, tried reporting it online via their dispute center but every time it comes back that it is reported correctly when it is not. My bank and other credit reporting agencies do not show it as closed as it was never closed so I am not sure how this mistake came about because it was previously reported as open?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : XXXX account XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX 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, states a consumer reporting agency can not furnish an account with my written instruction.

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 2019-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/19 called the number posted to my report. After holding for almost 15 minutes, the agent told me to " call back later '' and wanted me to call a completely different department to talk to their fraud department. On XX/XX/19, a fraudulent hard inquiry was made to my Transunion report by XXXX/XXXX. I am attaching my police report I filed after becoming an identity theft victim. Transunion has instructed me to reach out to each company that has made fraudulent inquiries to my report, individually.

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 2016-08-23
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I took out NJClass student loans through HESAA during my time at XXXX in XX/XX/XXXX-XX/XX/XXXX for which my mom was a cosigner. The initial loans we took out totaled approximately {$80000.00} w/ a 6 % interest rate. My mother went into a 5-year bankruptcy in XX/XX/XXXX. The student loans could not be discharged through the bankruptcy, as she was a cosigner. It was not until this year ( XX/XX/XXXX ) once her bankruptcy was completed that HESAA, the administrating agency of the NJClass loans, reached out to my mother to inform her the loans were in delinquency and now totaled approx. {$130000.00}. 
During the course of her bankruptcy, HESAA did not contact me ( the direct loan borrower ) to inform me of payments, increased interest rates, and that the loans ultimately went into delinquency until my mother 's bankruptcy ended. 
My mother paid up currently to get them out of delinquency as of this month ( XXXX XXXX ). 
I am trying to consolidate the loans and maybe refinance them, as my current monthly payment is {$1000.00}, which I ca n't realistically afford. 
During the time of my mother 's bankruptcy she tried to consolidate the loans but they were never accepted yet NJClass continued to run up the interest on the loans without informing my mother or me. 
NJClass loans are private, which limits the options borrowers can look into for repayment. HESAA does not offer any loan forgiveness or modification programs. They also do not offer income-based repayment plans for NJClass loans and they refuse to work with borrowers to offer more affordable monthly payments. They only offer consolidation. I tried to consolidate the loans directly under NJClass and was denied approval based on my income. 
In short, I 'm looking to get the loan payments down to something manageable so I can work towards paying off the debt but this is extremely difficult when legislation favors HESAA and the bills regarding NJClass loans still will not help many people in my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Mortgage Lender Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Sunrise Assessment services repeatedly made numerous collection violations and errors in their collection practice by failing to properly notify of attempted debit collection by Sunrise Assessment services to the proper party. Sunrise failed at any attempts to ensure accurate records of party 's contact information and address in order to make proper notification and attempts of debit collection. 

Additionally it is believed Sunrise Assessment services illegally disclosed and discussed debit matters with persons other than parties pertaining to claimed debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I went to court, they said they would schedule another meeting or cancel the debt. If one was even sent I did n't get the notice because I moved. They do not have enough evidence to state that I owe that money. The statements as proof that they provided did not go as back to validate the debt they are claiming.

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 2016-09-19
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
Hello, my student loans have been repeatedly sold and each new lender can not provide information on previous payments and interest paid. I feel like my loans keep getting escalated and now the total amount due is overstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
good morning ... .i have had a target credit card for a few years ... ..i opted to have the payments automatically, until XXXX of 2015 ... ..at this time i decided i would prefer to pay each month, hoping to pay it off, instead of just the same amount every month ... .lo and behold, target would not allow me to do this and now they are holding my bank account hostage!!! XXXX agreed, back in XXXX that this was illigal, and supposedly placed a " permanant '' stop payment on my account, for target ... .i closed my account and asked target to send me a paper statement and i would pay them by mail ... .they have since overridden everything and is still taking money from my account ... ..the bank is reneging, it seems, on their promise to return all of target requests so everyone has control of my checking account, But me!!!! ... .plrase help me in this matter ... thankyou ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I finance a car loan with Citizens Bank with an credit score of XXXX they gave a APR for 6.15 % for 84 months.The loan amount was XXXX my monthly payment was {$590.00} I refinance with XXXX XXXXXXXX on XX/XX/XXXX with a better interest rate APR 2.59 % for XXXX months. When XXXX XXXX paid off my balance I called Citizens Bank in reference to a refund of a partial refund for the Gap Insurance that I was included in the loan which was paid {$1000.00} dollars. They told me that I dont get no refund that according to Wisconsin Law they applied the partial payment to my balance that had reduced the payoff balance. I have been calling several times throughout the year trying to resolve this issue. I kept getting the runaround. 
So in XX/XX/XXXX I still didnt understand why I havent received a check. I spoke with customer service they explained to me why I didnt receive any money back. This time I finally requested an copy of my payment history. 
When I received the papers in the mail I notice that they applied an substantial amount of my car payment toward the interest instead of the principal. My first car payment of XXXX was due XX/XX/XXXX I paid on XX/XX/XXXX {$600.00}, {$280.00} applied to principal {$310.00} applied to interest Principal {$40000.00} XX/XX/XXXX {$600.00}, {$300.00} applied to principal {$290.00} applied to interest Principal {$40000.00} XX/XX/XXXX Payoff from XXXX XXXXXXXX {$39000.00} Principal applied {$40000.00} interest applied {$190.00} Fee/other paid {$960.00} principal balance {$960.00} XX/XX/XXXX rebate credit transaction {$960.00} fees/other {$960.00} Principal balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: GA
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 disputed collection account # XXXX and account # XXXX. I did not sign a HIPPA release form with anyone to release my medical information. There was also no proper reinvestigation done, nor was the requested proof of the investigation and verification given.

Also, in accordance with the Fair Credit Reporting Act, these accounts have violated my rights.

15 U.S.C 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
Since XX/XX/XXXX, I have attempted to have Midland Credit Management validate collection account # XXXX which is the account # listed on the letter I received from them until this moment they have refused to do so which is a direct violation of my consumer rights based on the XXXX Fair Debt Collection Practice Act, as well as the Fair Credit reporting Act. By providing a incomplete acct # is grounds to discontinue reporting on my credit report which I have submitted demands on numerous times. I have went so far as to write the management Board member XXXX XXXX XXXX on XX/XX/XXXX home office located at XXXX Camino de la XXXX XXXX XXXX XXXX XXXX, Ca XXXX I also wrote to the divisional management XXXX XXXX as well as XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Mi. XXXX until this moment no competent evidence bearing my signature showing that I have or ( ever had ) some contractual obligation to pay them. 

The same has been with XXXX XXXX XXXX I have sent certified letters requesting validation allowing Midland Credit Management to report on my credit report again my rights are being violated XXXX is showing Midland Credit Management as acct # XXXX first they are listed as incomplete acct # which is a violation plus two different acct # for the same account. I feel like I'm powerless can you please help me? By removing this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: CITIZENS FINANCIAL GROUP, INC.
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:
On XX/XX/XXXX we went Citizens Bank XXXX XXXX XXXX XXXX MA XXXX with my daughter to collect information about student loan. The Bank associates name was XXXX who helped us that day. we asked about information on how to apply student loan and give us more information about loan, we made it very clear and said we were looking at other banks so we didnt want to apply today. XXXX took me and my daughter info and told us he would run soft inquiries to see if were qualified. We mentioned to XXXX, your citizens associate, again that we dont want hard inquiries because we are only collecting information. XXXX said no its not a hard inquiry, its a soft one. We left the bank and we had email alert that show citizens did hard inquiries on both of our credits. We never reviewed application and never gave citizens Bank consent to finalize behalf of us we contact citizens and no one has reached out to us. He also he put my daughters name incorrectly on the student loan application and applied behalf of us, very unprofessional and very illegal. 

Can someone reach out to us and let us know is there any regulations and procedures citizens is following with best of my knowledge no one can use my so-called with my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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 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 : 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 2020-03-13
Company: Experian Information Solutions Inc.
State: IA
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: Problem with personal statement of dispute

Complaint:
Last summer I was one month late on paying an {$80.00} balance on my XXXX  XXXX XXXX  XXXX XXXX XXXX credit card. I was in the process of moving, switching checking accounts, and forgot to change the autopay setup. Again, my payment was only one month late and I paid the late fee. That {$80.00} represents <1 % of all of the credit I have used with XXXX over the past 8+ years. 

Still, it appears XXXX reported this late payment to the credit agencies ( or at least Experian ). As you can see in the attached screenshot, this one late payment resulted in a >15 % decrease in my FICO credit score. At the current rate, my credit score will take at least two and a half years to recover. 

I have repaid thousands of dollars of debt ( including XXXX in student loan debt ). One late payment of {$80.00} should not result in this big of a hit. This one month late payment - and its impact on my credit score, turning it from very good to fair/good - would probably translate into a 1 % difference in a mortgage interest rate. That in turn would mean dozens of thousands of dollars in additional interest over the life of a mortgage. All for missing an {$80.00} payment by one month!!!! ( And actually, technically I just missed the minimum payment, which is what maybe {$25.00}? ) This is usury is the highest degree.

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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX 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
Consumer complaint received 2022-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
There's XXXX Bank of America credit card on my account that were paid and closed on XXXX. However Bank of America kept the credit cards open until XXXX, and XX/XX/XXXX to accumulate more fees despite the cards to my knowledge been closed on XXXX. Now the cards is showing on my credit report as both late and charge off on XXXX and XX/XX/XXXX when this information is not accurate because the account was paid and closed on XXXX and XX/XX/XXXX. 
I need the Bank of America account to report the accurate closed date on my XXXX and XXXX credit report and to show as paid and closed because they where paid and closed on XXXX and XX/XX/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 2016-03-17
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I changed phone providers XXXX. I received a closing bill from XXXX wireless that included monthly service fees through XXXX/XXXX/15. XXXX agreed to prorate those charges. When I received the new bill the data charge of {$140.00} was not prorated so I withheld it from my remittance. I was referred to debt collectors even thought the charge was in dispute. My credit report has been impacted and XXXX is still trying to collect {$50.00} that they agreed I did not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During a branch visit this am, the branch agent advised my Chase Freedom account was closed XX/XX/XXXX. Chase Closed my Credit card account without Written or digital confirmation. I called in to the support line to inquire about this process and the acquire a copy of the notice. I was transferred to 6 different agents advising someone could provide the original document they " Sent '' me. Some names are XXXX - XXXX - 3 names I could not make out due to accent and finally to XXXX ( I asked for a Supervisor ) .I had to reexplain my issues to all of them as they don't talk internally. XXXX advised my account was closed due to inactivity ( Understandable ). I advised that I did not receive a letter advising my account was considered for Closure, but in XXXX, I did receive a letter my current card expires XX/XX/XXXX and a new card will be sent. I never received my new card. Time has passed and nothing was noticed. After being bounced around 6 different folks and repeating my issue to all, XXXX ( Supervisor ) advised chase sent out notification XX/XX/XXXX and they typically begin the closure after 90 Days of notice being sent out even if the Customer receives the letter or not, REALLY!?. That would make it XX/XX/XXXX for closure. I advised the account was closed XXXX so it was a premature closure. He advised the 90 days are not exact and its give or take with chase and there is nothing they can do and I can apply for a new card If I want. I advised this is my longest Standing credit account and it not only affected my Credit score but also my credit history which can have more affects on my credit. He offered to send me the original notice from XX/XX/XXXX and advised it takes 7-10 business days to process and there is nothing they can do. I am currently in the process of a mortgage application renew and this is a major hit due to the way Chase handles notifications and doesn't care if the customer get them or not. I even advised that in the Notices and letters section of my account there are no letters of closure consideration. Why not post it on the account like the Statements like when you want to offer your services or enable features?. This is really screwed up on their behalf. During a crisis we are going through now with COVID-19 and the economy down turn. This card could be the difference between charging supplies or charging medical bills due to an emergency. What a Joke. They didn't care about my Credit history or credit score being dinged since they claim " it's closed weather you get the notice or not ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Experian Information Solutions 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 XXXX  Account # XXXX Account # 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 instructions.

To many credit inquires from unknown sources.

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