BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-14
Company: Nelnet, 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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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:
To whom it may concern, This account was charged off XX/XX/XXXX. It is to my understanding that a charged off account should not include an active payment history. This manipulates the date of last activity. 

The credit bureaus allow XXXX XXXX to update every month with changes the Date of Last Activity. This account shows 47 late payments which is incorrect. I have reached out serval times for reinvestigation and each time I was failed. 

Please delete this account. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
During month of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX members account were transferred to Navy Federal Credit Union XXXX XXXX XXXX. Both XXXX informed us ( members of XXXX ) this is a transfer, informed accounts would be transferred to XXXX. I had loans with XXXX that were transferred : car purchased in XXXX XXXX and personal loan beginning on or about XXXX XXXX, both loan interest stated the same. BUT under XXXX biweekly Car loan {$210.00} ; personal loan {$160.00}. Under account transferred to XXXX car loan {$250.00} and personal loan {$190.00}. I asked why, I was informed that XXXX do not do biweekly payments, they only do monthly payments. Therefore, I could pay biweekly but my amounts will be higher. Well, my monthly under XXXX for car is {$500.00} and personal is {$380.00}. We former XXXX do not understand why, I do not understand why {$160.00} XXXX $ XXXX total ) and {$210.00} XXXX {$420.00} XXXX can increase if the interest stayed the same and the accounts were transferred. All I was informed through written ( and verbal, after I questioned the increase is that the accounts would be transferred XXXX. XXXX explanation is that they do not do biweekly payments. But they merged with and accepted members who signed contracts and accepted loans based upon the loan agreement at/for a certain amount. When I informed XXXX that to me, the name of the company I am paying changed but not the amount of the payments ... similar to a mortgage that is transferred. I was told no, it 's not the same. I am asking for someone to explain how account payments signed and in progress can be increased because the company do n't do biweekly payments. Should n't this have been discussed prior to their merger and transfer of accounts? Should n't we/I have been informed so that I could have tried to find a credit union with similar terms? Most of all, is this legal? Now, XXXX is sending me promissory letters/contracts with their new amounts requesting I sign. I have the amount in savings because I do not want to default on the loans ( the payment is due XXXX XXXX ) ; but I disagree with the $ XXXX that XXXX is asking XXXX to pay. I informed XXXX that I would be filing a complaint with this Agency seeking an investigation into what they are doing to the former members of XXXX. Under XXXX in my loan agreements my final/last payment for car is {$170.00} and personal loan is {$120.00}. Can provide contract loan agreements to your XXXX. It is not just me, there are a lot of us " former XXXX members whose loan payments have now changed since this transfer to XXXX. I really want you to publish my information because every person/consumer need to know and learn what can or might happen with a XXXX XXXX transfer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a XXXX credit card account with XXXX XXXX XXXX that is open and current, and in good standing.

It has a credit limit of {$46000.00}, and is a XXXX.

TransUnion credit bureau refuses to list it on my credit report, even though all the other credit bureaus, XXXX, XXXX, and XXXX list it on their credit reports.

This account has been open since XX/XX/2013.

I have contacted them numerous times to get this matter resolved, to no avail.

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 2021-07-22
Company: EQUIFAX, 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:
My telephone service provider claims they were sent a letter from the credit bureau that my address was incorrect and that they need to change my address.

1. My telephone service provider is refusing to give me a copy of said letter 2. No letter or correspondence of this nature ( address verification ) was ever submitted to me on behalf of the credit bureau.

3. Credit bureau keeps removing freezing and locks on my credit account without my permission or notification.

4. Credit bureau will not investigate claims submission to remove incorrect information.

5. Credit Bureau will not provide accurate information on my credit report 6. Credit bureau automated systems states information about me that is not being listed on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXXXXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act the list of account below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. I didnt give any authorization to anyone to use my information date XXXX in person or online for to apply for any type of credit card, XXXX XXXX /Equifax has valet my right 15.U.S.C 1681 Section 602 A Section 604 A Section XXXX : its also state a consumer reporting agency can not furnish a account without my writing instruction 15 U.S.C 1692C ( A ) Without the prior consent of the consumer given direction to the debt collector or the express permission of a court of competent jurisdiction, adebt Collector may not communicate with a consumer in connection with the collection of any debt -15 U.S.C 1692 B ( XXXX ) not communicate by postcard 15 U.S.C 1692B ( XXXX ) Not state that says consumer owes any debt. 15 U.S.C1692B ( XXXX ) not use any language or symbols on any envelopes or in the contents of any communication effected by the mail or telegram that indicates that the debt collector is in the debt is in the debt collection business or that the Communication relates to the collector up a adebt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Experian Information Solutions Inc.
State: CO
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 filled a dispute with Experian because there is a XXXX XXXX account that is on my credit report that is not mine. Someone stole my identity. Experian failed to remove the account and to add insult to injury Experian updated the date on the account and now it appears that this account has current negative information and the account was scheduled to be removed on XXXX. SHADY. I attached my report before the dispute and my report showing the re-ageing.

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 2021-07-22
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan payments have started on XX/XX/05. I was " counseled '' by XXXX back then to put my loans into deferment/forbearance for years until I could find a job. Not only find a job, but one where I could afford the hefty monthly payments. After my initial deferment expired I was forced to go into forbearance. Unknown to me then was that the capitalized interest was running the entire time, which was not explained to me clearly over the phone. Then came the switch to sallie mae, which also did not explain the situation clearly. Then, with the switch to Navient I finally signed up with an Income Based Repayment Plan ( IBR ). Given my low paying jobs I was forced to either send my loan back into forbearance and rack up interest or my loan payment was calculated as {$0.00} given my low wages, which also incurred interest. So, in essence my IBR and a normal forbearance are one and the same, as far as interest goes. The final straw was when I was recently reviewing my loans. I wanted to see the progress I had made with the no interest the past 18 months. Only to find out my FEDERAL LOANS are not owned by the dept of education, thus I was charged interest through the covid-19 pandemic. This company, Navient, is criminal. They explain nothing. I made major decisions, including signing with XXXX at XXXX years old, without any information or explanation. I wish to receive some relief with all this interest i've paid since 2005. On a {$21000.00} loan and 15.5 years later i'm just at {$14000.00}. And that is with my company paying {$100.00} extra a month for student loan relief. Absurd!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX received 11mos of payments from XXXX XXXX XXXX for 6mos. Tenancy from XXXX XXXX/XXXX/XXXX. According to office print out from XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX  manager XXXX XXXX, signed Mutual Recission of Lease with tenant XXXX XXXX XXXX XXXX XXXX. Tenant was XXXX unit had termites and other insects that were n't being treated. Tenant has print out from XXXX and on their print out showing payments. Email states after move no debts owed per XXXX XXXX. Third party collection company has been harassing me about debt affecting credit score claiming court case. Never served no knowledge of case. XXXX filed for eviction 2mos. After I moved out of state. I have movers XXXX and storage receipts from XXXX. I had reasonable accommodation for rent amount and emergency move due to harassment by XXXX XXXX, my home care aide witnessed. They would n't accept doctor report wanted me to remove my clothes for pictures. I felt threatened and helpless. XXXX followed. Unit already failed inspection recission already signed. I was terrified!!

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 2017-10-21
Company: SUNRISE CREDIT SERVICES, INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is an account on my credit report from XXXX stating that I owe {$890.00}. The address linked to that account is XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Ive never lived at this address and currently have an open account with XXXX. This debt collection is inaccurate and I would like for it to be removed from my credit report. The account balance was also transferred to another lender which is illegal under the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries/ accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2017-06-30
Company: WELLS FARGO & COMPANY
State: SD
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:
Wells Fargo repossessed my vehicle 6 years ago while the payment was in their hands, I put a stop payment on the check as they did attempt to cash it. They called my insurance company and said I had been in an accident with it, untrue, and tried to file a claim. I soon settled the debt. 5 years later the loan showed up on my credit report as open. I 've paid high interest rates ever since.

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 2019-11-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX I went into Chase bank to deposit insurance check from XXXX in value of {$35000.00} dollars. XXXX XXXX from the local branch and XXXX XXXX XXXX Chase Claim Dept. ) both said I will have funds available to use the same day. XXXX endorsed the check and deposited it into my account. I then wrote my contractor a check for payment of the work completed in my rebuild from the flood my house took. On 2019XXXX I received email alert from Chase my account was overdrawn. The {$35000.00} funds were removed from my account and went into negative balance. I went to the Chase branch and spoke with XXXX. He said it is an XXXX issue. My spouse and I went to our local branch for XXXX and worked with XXXX XXXX. She called XXXX flood department and they said the system shows the check cleared and there are no notes of the check being rejected or returned. We went back to Chase and worked with XXXX. XXXX looked again and noticed there is a problem between Chase and XXXX corporate accounts. XXXX could not tell us the problem because the accounts are not ours. XXXX did say the problem is not the check or the Flood claim with Chase, it is an issue between the accounts. Chase and XXXX have taken my money and will not give it back. They instead bounce the blame between themselves. When either company calls someone, they can not talk to the person needed every single time. My account is now negative because of the retraction of the money. Neither company can nor will give me a straight answer. This makes my second complaint to the CFPB about Chase regarding insurance checks from my flood being deposited. My first case was number XXXX. I am frustrated and feel I have been a victim of fraud along with failure of both honoring a good faith issued check for my repairs that was verified funds were available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-03
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 U.S.C XXXX section XXXX states that I have a right to privacy. 

XXXX XXXX XXXX Section XXXX Section XXXX states that a consumer reporting agency can not furnish an account without my written instruction. 

I did not give anyone written instruction to report the account listed below to my credit report. 

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 2021-07-22
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My car was stolen with my all my important information and documents in 2018 ever since then Ive been receiving phone calls from all kinds of debt collectors saying that Im in debt for a lot of different things that I have no clue about and this collection falls in that category Ive never had any services with XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
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:
Im accordance with the Fait Credit Reporting act XXXX account 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 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 2022-01-10
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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
Company: EQUIFAX, INC.
State: 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 have contacted Equifax about fraudulent inquiries on my report. I contacted them orginally 14 months ago concerning these inquiries. 
I was instructed to file a FTC report which i sucessful completred and forwarded to Equifax. They have refused to removal all the inquiries that were indicated as fraudulent and ones the did remove have returned on my report! 

I have not requested business with the companies conducting the inquiries and have no accounts on my current or previous reports with these companies. 

The following inquiries as you can see or on the FTC report that I filed as fraudlent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XXXX XXXX CAPITAL XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA The above mentioned inquiries were removed and now have reappeared on my credit report. 


XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX These items are included in the FTC report and was stated to be deleted by Equifax but yet they still remain.

Company response to consumer: Closed with explanation