BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-25
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XXXX XXXX sent formal dispute letters to state formally I dispute all negative accounts on my credit report. XXXX XXXX sent more letters which required all negative accounts to be removed because the negligence to report correctly as stated in the Fair Credit Reporting act and negligent to provide me with any verification of admission of debt. It has been passed 60 days since my first letter and yet been able to remove negatives from my credit report thus breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: Nelnet, 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:
In Accordance with the fair credit reporting act XXXX  account number XXXX Department of Education 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.

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 2018-11-30
Company: CITIBANK, N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I signed up this account following a promotional link for {$400.00} bonus on XX/XX/18. After meeting the requirements, they didn't issue the bonus on the date as promised in XXXX. I waited 4 more weeks then I contacted the bank on XX/XX/18 through Online chat. I was confirmed I'm qualified to get the bonus. A case has been opened by the representative to request the bonus to be issued to me. 

Here is the confirmation - " Your request has been submitted. Responses will be sent via your preferred method of communication. You will receive Citibank Online, email and fax responses within 2 business days and US Mail responses within 5-7 business days. If you have questions on this case please call Customer Service and refer to reference number XXXX. '' But I've never heard back from them. They didn't issue me the bonus at the first place as they've promised. I'm tired of reaching out and waiting. Here I am.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-11-30
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
The company has called my place of business and personal line in attempts to collect an alleged debt owed. Agents of XXXX XXXX XXXX failed to provide me with the address and or web page of the company.The company continues to use false, deceptive, and misleading representation or means in connection with the collection of a debt. 15 U.S.C. 1692e. Section 1692e. specifically states furnishes a nonexclusive list of prohibited practices, including falsely representing the legal status of any debt, 1692e ( 2 ) ( A ). Section 1692f prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. Congress... clearly intended the FDCPA to have a broad remedial scope. ( See : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX   XXXX, XXXX  ( XXXX XXXX XXXX ) ( emphasis omitted ) ( quoting XXXX v. XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
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: Personal information incorrect

Complaint:
TransUnion File Number : XXXX. TransUnion has reinserted previously deleted information ( i.e., addresses ) and this is a major violation. Previously deleted information is governed by the Fair Credit Reporting Act ( FCRA. ) The FCRA requires a credit reporting agency to notify me no later than five ( 5 ) days after the reinsertion. Additionally, the creditor who reinserts the item must also certify the information is correct. Reinsertion of previously disputed information is governed by FCRA 611 ( a ) ( 5 ) ( B ). TransUnion is well aware that a security freeze is in place on my consumer file and such measures should prevent previous deleted information from reappearing in my file. TransUnion is very well aware that my information has been mixed with someone else who has a similar name and measures should be in place to prevent my file from continuing to be mixed with another individuals information. I want to be very clear that I have only one name, one social security number and one address. My TransUnion file should only reflect such information. The only address I have lived at is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. Please refer to the attached copy of my driver license as proof. The following addresses do not belong to me, I have never lived there and they should be deleted from my file immediately : ( address 1 : XXXX XXXX XXXX XXXX XXXX XXXX ) ; ( address 2 : XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ) ; ( address 3 : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ). Please provide me with the source verifying these incorrect addresses. Please provide me with the method of verification for obtaining these addresses. I have attached a copy of Investigation Results from the credit reporting agencies XXXX and XXXX showing the addresses listed above have been deleted because they were mixed and do not belong to me. Attachments : Driver license, social security card, XXXX  reinvestigation results, XXXX reinvestigation results.

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 2017-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a beneficiary to an IRA account held at Merrill Lynch wealth management. XXXX XXXX, 2017, I completed all paperwork to have my portion of the Merrill Lynch IRA distributed from Merrill Lynch to my XXXX XXXX IRA account. As of XXXX XXXX, 2017 my portion of beneficiary money has not been deposited into my XXXX account.

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 2017-08-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I 'm filing another complaint in regards to Equifax reporting an account on my credit report that they should n't be. XXXX XXXX XXXX XXXX responded to a complaint I filed on them via the CFPB where there 's a law that states that after a car has been repossessed that " Your creditor must give you a written notice informing you of these rights within 3 days of the repossession. You can only get your car back in this way one time during the contract. '' I will attach the documents to the case. I was never given the 3-day notice and I have the proof. Also, XXXX XXXX XXXX XXXX responded back that they 'll reach out to the credit reporting agencies to get it removed also will attach. Now my issue will Equifax that they have removed this same item 2 or 3 times and reinserted it without notifying me prior to doing it as it is a law that states that as well " the credit bureaus must notify you within 5 days of the re-insert date ''. Please see that the item was deleted added back on, deleted added back on several times. They are the only credit reporting agency that keeps doing this no one else is reporting it. This has caused my score to drop significantly. Also, I 'm not getting approved because of it. Please review all documents within this complaint. The last time they responded back it was n't relevant at all to the case it was a systematic response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-14
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
On XXXX/XXXX/2017 CIT Bank file foreclosure against the XXXX whom is still living as to date. CIT Bank claiming the XXXXyear-old homeowner failed to pay his property taxes without giving him any resolution to how he can pay if any back taxes or insurance. Financial Freedom Senior Funding provided the reverse mortgage and has charge the homeowner with insurance that exceeds the amount he able to pay. Therefore, CIT file the foreclosure on behalf of the property taxes and insurance. This is unfair to the homeowner as well as his beneficial. To lose his home for reason stated. We are aware that Financial Freedom has defraud many senior homeowners with wrongful foreclosure in order to file insurance claims just to capitalize these innocents victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Navient Solutions, LLC.
State: VA
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:
XX/XX/XXXX. Student Loan servicer Navient. There are very limited ways to switch your payment due when you're trying to avoid being delinquent and switch to autopay. For three months, I have tried to switch the due data for cash flow to the XX/XX/XXXX of the month. Each time, Navient says this isn't possible without paying twice on the same loan for the month because of when the payment falls ( on the XX/XX/XXXX of the month ). That the only way is through an administrative forbearance.The whole point of me trying to switch a due date ( for the same month ) is to be on time with payments. This is infuriating. 

I was also told that I could adjust the payment due date if I signed up for autopayments online. Um, no. It doesn't have that functionality. 

Basically all Navient customer service seems to know how to do is put you in forbearance -- hence there are numerous lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Santander consumer usa has knowingly entered into a contract with XXXX XXXX XXXX who has reported incomes, which was used to support my loan application submitted I have told them the income has to be incorrect and inflated. They have promised and investigation and has not came to any resolution on the fraudulent income reported which shows they are still up to their old tricks supporting these fraudulent actions. They have given a XXXX per month loan to a single XXXX mom with no job and an income of XXXX from XXXX XXXX with the department of XXXX XXXX. I thought I was going thorough the XXXX program which projects income WITH the PROMISE that in six months it would be lowered alot or I could get a hybrid which did not happen in six months. I later find out the XXXX program was over when i signed the contract and projected income was not permitted so I am in a fraudulent scam deal by the dealer and Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-12
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX I applied for the Amazon Chase credit card and was declined. A year later an Amazon credit card showed up at my house that I did not apply for. I talked to Chase and they informed me that it was in fact fraud and cancelled the account. I also talked with them at that moment about removing the hard credit inquiry that was placed on my account, this was XX/XX/XXXX. XX/XX/XXXX I was applied once again without my permission. I called them explaining that this was fraud and I did not approve the application. They notated my account and claimed the two inquires would be removed from my credit. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have been applied again and again all without my permission. Again I have called to just be brushed off. I decided to try and dispute the inquires with the credit report but ran into a dead end when they told me to deal with the credit card company directly which has n't been working for me. I now have 6 hard credit inquires on my report that are fraudulent and would like them removed by the company. Someone somewhere within one of those companies has my personal information that they are using at their own discretion. I am concerned with how easy it is to access my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX Bank of America sent me an unsolicited credit card with a credit limit of {$5000.00}, based on my credit score of XXXX.I also received a letter dated XX/XX/XXXX stating I was approved. I accepted the credit offer, and on XX/XX/XXXX, I made a purchase to my card for {$4400.00}. The following month XX/XX/XXXX I attempted to make an additional charge for {$500.00} and was declined because the bank said my account was closed. 
Meanwhile, I called Bank of America because I was unable to initiate on-line sign-in so I could make payments on line. A representative named XXXX helped me sign in, gave me some valuable information on how to take advantage of cash rewards, points at the pump, XXXX XXXX XXXX, etc. Subsequently, Bank of America sent me a letter stating they did a review of my account and decided to close the account ; The letter was back-dated to XX/XX/XXXX, but I received the letter after XX/XX/XXXX. I was placed on E-statements without my approval, and when I finally received a paper statement in the mail, the statement said my account was placed on restriction. I called Bank of America several times for explanation, and every representative I spoke with said my account was reported as a " FRAUD ''. Bank of America never tried to contact me to investigate the nature of my credit ; they never told me about a restriction, and I never authorized them to check my credit files, after I received the approval letter. Bank of America will not allow me to make charges to my card because they closed the account based on incorrect information that my account is " FRAUD ''. I made all monthly payments on time, and the account has a XXXX balance.

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 2017-08-14
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:
I have tried on different ocassions to dispute inaccurate information on my Equifax report regarding the creditor XXXX XXXX. Each time i dispute it the inaccuracies continue and even become more inaccurate drastically decreasing my credit score and hurting my report. I woulld just like this account removed completely from my report since it cant seem to be reported accurately and is causing major damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Date : XX/XX/2022 Company : XXXX - XXXX Company Phone Number : XXXX I XXXX XXXX XXXX Paid A Settlement Amount Of {$280.00} ( Confirmation # XXXX ) For A Collection Account To Be Removed And Was Told In 21 Business Days The Account Will Be Removed From All Credit Bureau Reports/Account .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
m writing this complaint as my second complaint against both Transunion and XXXX  credit bureaus because I have noticed a incorrect fraudulent bankruptcy that is reporting on my credit file within their bureaus and I have asked for them to dispute the information and to ultimately remove this information from my credit report. I have been informed by both bureaus that they have received their information from XXXX XXXX and they claim that they have verify this information. I have been in contact with XXXX and have recently discovered that my file is frozen and has no information to report as well as they have not had an inquiry done by these credit bureaus. I am requesting that they eat mediately remove the chapter XXXX bankruptcy that is reporting on my credit files with in their bureaus immediately. Power of the federal credit reporting act this is a violation and it prevents me from furthering my credit score which I am entitled to do as a consumer, my information should be correct and report it correctly, I should not have to fight with these barrels for over six months to remove something fraudulently when there is already a police report in my file.

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 2018-11-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX, I went on a celebrity cruise and used a next cruise certificate that I had purchased 5 years ago on a XXXX American Express. The advantage of using the next cruise certificate is that Id be receiving a XXXX credit. Unfortunately the credit went to the XXXX amx which hadnt been valid for 3 years. They accepted the XXXX on my behalf so, celebrity was unable to reverse the charge. Apparently on XX/XX/XXXX amx transferred my XXXX credit to my current XXXX visa who has no record of receiving this amount.

Company response to consumer: Closed with explanation