BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following companies made unlawful requests on my personal credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquires. 


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 non-monetary relief
Consumer complaint received 2022-07-31
Company: Nelnet, Inc.
State: AL
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 have requested for nel net and dept of education to change the balances on the loans I have a XXXX discharge. The company promise to remove the balances to XXXX. The lender are not requesting for the loans that I have that are transferred/closed account. 
They are still sitting on my credit report appearing as double loans. They have the same account numbers, I really would like for the lenders to remove the closed loan accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Any of the business credit cards I have are only reported with XXXX XXXX XXXX and other business reports NOT PERSONAL REPORTS. 
I ALWAYS WONDERED WHY XXXX XXXX IS REPORTING ON XXXX AND WHY THEY ARE ALLOWING IT TO BE REPORTED. PLEASE HAVE XXXX XXXX AND XXXX REMOVE THESE REPORTINGS AND PUT ON CORRECT BUSINESS REPORTS.

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 2022-07-31
Company: AES/PHEAA
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:
XXXX XXXX PHEAA filed a default on an administratively approved deferment, forgiveness and forebearance scheduled XX/XX/XXXX - XXXX XXXX The default is purposeful. It has caused my XXXX score to drop from XXXX in XXXX year. Today, My XXXX score it's XXXX XXXX XXXX XXXX, and XXXX XXXX at XXXX. The scores snd recordings of default has drawn suspicions of these inaccuraciesare to ground student who contact XXXX and report professor is not her Account XXXX the school assigned to students file. NDSL ( National Database for Student Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was earned. The same professor mismanaged my loans she said the Top graduate named XXXX, on XX/XX/XXXX XXXX her transcript. She received honors appertaining to her academic excellence and strong leadership should have graduated on XX/XX/XXXX and diploma delivered. The professor unauthorized to manage my student loans said she isn't giving me nothing and called lawyer stating I must cease and desist. It's a FERPA, Title 4, and Title 6. 

XXXX. 
I. XXXX, My career sought as a XXXX XXXX XXXX XXXX XXXX in XXXX, is negatively impact from scam artists in my school who embezzled student loans, and invaded priacy of wxecutive acvount XXXX XXXX the assign loan officer of students financial aid. The student school records was an open portal to anyone which caused {$14000.00} an unrecognized distribution or an unknown scholarship the svhool did not want to pay. The student did not apply for loans so small. Its hate of me at the school because I called police on a professor who was a financial aid manager and she refused to reimburse the student missing money {$16000.00} and unauthorized money, {$14000.00}. The professor cashed on date XX/XX/XXXX {$14000.00} and paid outside of students scheduled loan distribution this money to another bank account the student didn't setup with school. Additionally, a refund check approved for graduation amount {$16000.00} description direct grad plus loan was compromised and sent back to lender causing student to be placed in default with XXXX XXXX and creditors. The professor apparently paid someone else or placed money in a bank account to use when conventient. 

The students Bank was at the time XXXX who sent student letters from fraud investigators that they had not received the loan deposit on distribution of FedLoan on scheduled date XX/XX/XXXX Amount {$16000.00}, nor an unauthorized loan student did not request possibly a scholarship the professor who disliked her did not want to pay dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BARCLAYS BANK DELAWARE
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:
My Old Navy store card was bought by Barclays Bank Delaware from XXXX XXXX, which I had for over a decade without issue. There were problems during the conversion and my automatic payments were halted due to technical issues in their system. 

They added a 30-days late notice to all 3 credit bureaus adding my first derogatory information in 20 yrs to my credit reports. I contacted Barclays Bank Delaware, they reversed the late fees, accepted my final payment ( {$68.00} ) and closed the account at my request. 

Following this, I disputed the erroneous charge with XXXX and the dispute was returned with the inaccurate information upheld. The report said to contact Barclays Bank Delaware, which I did and their response was I would need to submit a written letter to request reconsideration.

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 2019-09-16
Company: White Jacobs & Associates
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
On XX/XX/2018 I signed up and paid for White Jacobs and Associates credit repair services. The initial fee I paid to become a part of this service was {$890.00} ( see banking statement attachment ) This fee was paid prior to any services being rendered. Following that payment I was then subjected to $ 100 monthly withdrawal of my banking account to maintain the service. 

During the months I was a part of this program I expressed concern on several occasions for the lack of progress and communication ( see attached ). I also expressed the hardships that came as a result of the large lump sum of {$890.00} along with the ongoing {$100.00} payments I was required to make. As a result, I was thrust into a financial hardship and had to discontinue my service. Over a year later and Im still feeling the effects of this ordeal and have recently entered a credit counseling program ( free of charge ) offered through a local non profit organization here in Washington, DC. There I was enlightened about the FTC Credit Repair Organizations ACT ( CROA ) and how it was employed to protect consumers from such experiences. Had I known about these regulations and this Act I would have filed this complaint way sooner but unfortunately I never knew such a thing existed. Ive always thought this to be an unregulated field which was how so many get taken advantage of, including myself. I further learned there was a section which specifically speaks to this practice and that was section 1679b. Prohibited practices ( b ) Payment in advance states No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed. 

This contradicts my experience, and is in direct violation, as I was required to pay a large sum of money before any services were ever initiated. Additionally, I am able to supply banking statements of the {$890.00} payment being made, as well as the ongoing {$99.00} per month payments. Furthermore, I am able to supply you with a copy of all my letters from the bureaus confirming the accounts in question during my time in their program as well as proof of the financial distress that I have continued to endure since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: SYNCHRONY FINANCIAL
State: CA
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:
Synchrony closed my account due to a monthly payment not going through. I have been in good standing since opening my card and this occurrence only happened because I moved and changed jobs which made it hard to keep track of everything. Ive been paying off all my other cards and my credit was at excellent before Synchrony abruptly closed my account. Ive also paid the past due balance and filed an appeal to the account closure. No one has reached out to me about it or addressed it. When I spoke to someone on the phone they said they couldnt do anything about. Ive now been charge 200 % in interest. Synchrony not only has terrible customer service but use coercive tactics to get more money out of their customers. This completely unfair given my payment and credit history. Id like to Synchrony to re-open my account, remove the 200 % interest and get me back to my normal payment schedule. Moving across the country has been difficult alone, this has made this experience XXXX more difficult.

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 2023-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit act XXXX XXXX XXXX XXXX XXXXXXXX 15USC 1681 I have the right to privacy 15USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instruction

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have inaccurate information being reported by Experian. I am the owner of account # XXXX with XXXX XXXX. I have asked Experian to correct this for over 4 months. I worked directly with the creditor XXXX XXXX they are reporting that I was late on and they wrote a letter stating this was in fact an error. First Experian reported this as a late in XXXX and then suddenly they moved in to XXXX. I supplied a letter dirrectly to Experian stating this account was never late from XXXX XXXX and they have failed to correct the inaccurate information. I have called them on XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I have Experian and attached the letters that were submitted and faxed on XX/XX/2022 and XX/XX/2022. Each time they tell me to file a new dispute and this is all that I can do. I have /requested a manager on several occasions and every time I am told a manager will call me back and I have never once received any call back from Experian. I have waited on hold for hours and been hung up on repeatedly. They have no method to correct this or manager to assist. I even gave them the number of the manager of all of XXXXXXXX XXXX XXXX  services in the corporate office to call directly in the dispute filed over the phone and they have still failed to correct this. I have also called XXXX to help me in this process and every time they tell me they are pushing through the correction to Experian but it has failed to be corrected. 

I have attached several letters I have submitted to Experian asking them to correct this. My Credit report currently and my previous credit reports which shows them moving the inaccurate information from XXXX to then to XXXX and still failing to correct the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am formally filing a complaint against the a few credit reporting agencies ( XXXX, XXXX, Transunion and XXXX ) as I have submitted many notices to them requesting vital information in which they can only furnish. To date, I have not received a response or update to my requests ; therefore, I am demanding that the inaccuracies are updated on my Consumer Report.

I recently reviewed a copy of my Consumer Report and noticed that there are a few accounts that have not been reporting accurately. These errors are causing inquiry to myself and family as we cant obtain the necessary goods and services for my household.

According to the information currently reporting on my consumer reports, there are several accounts that have been noted as Charge Offs. I am aware that all businesses lawfully acting in commerce are to utilize IRS Form 1099C Cancellation of Debt for any remaining debt obligations not recovered. This IRS form is intended to be reported as income and not debt.

This inaccurate information being furnished on my consumer report is clearly going against the rules of construction in the area of exclusions of reports containing information solely as to the transactions or experiences between the consumer and the person making the report. It also is inaccurate according to IRS Publication 4681, as cancelled debts are defined as Income and not Debt.

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 2022-07-31
Company: Experian Information Solutions 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:
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 15 U.S.C. 1681 SECTION 602 A states 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 explanation
Consumer complaint received 2022-07-31
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:
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 15 U.S.C. 1681 SECTION 602 A states 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 2020-04-17
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
I have 2 accounts with the credit cards both of them close I don't understand why still not sure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: AES/PHEAA
State: CA
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:
Hello, American Education Services incorrectly reported XXXX of my student loans as defaulted upon, during the pandemic student loan forbearance period. No payments were due during this period, so there was no default assignment warranted. They were then reassigned to a collection agency, XXXX, who advised me of the issue and they've been stuck there since XX/XX/XXXX. I've been told that they are in the process of being assigned to good status, for the last 10 months, but nothing has happened. 

In addition, this default status is on my credit report, impacting my credit score.

I will not be able to qualify for the temporary PSLF waiver until this is rectified, and that due date of XX/XX/XXXX, is rapidly approaching. 

Appreciate your assistance. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
This letter is in response to your recent claim that the following account was verified and still on my credit report but you never did an investigation as to my request you to do. You failed to remove the account that I disputed earlier, despite the fact that I informed you that this account is unverifiable because it is not linked to any of my home addresses, so how was this account verified? Because I was a victim of identity theft, I immediately withdrew and deleted the items that I had contested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was on XXXX and bought something so the seller contacted me and we set up a payment plan through XXXX on chase bank. As soon as I sent the money the seller deleted his account and quit replying and never sent the product. Ive tried multiple times to request the money bank and he rejects it every time. Ive tried filing reports with the bank and they were absolutely no help at all! It was honestly ridiculous how much the bank did not even want to help. I will most definitely be switching banks and letting everyone now how XXXX this banks customer service is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
The following address is wrong and I never lived there : XXXX XXXX XXXX XXXX NC 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