BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
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 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 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 2022-06-20
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 XXXX XXXX XXXX XXXXXXXX, 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 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Good day! 
I was trying to get a approval to buy a house and I received this report on my Transunion credit bureaus that I was late on XXXX XXXX for 60 days in XXXX and XXXX month XX/XX/2014, it is incorrect information I was always on time and never was late for 30 days or more I paid XX/XX/2014 and XX/XX/2014 bill, and here is a proved in attached file, please I wanted CFPB to help me to remove this delinquent from my Transunion bureaus.

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 2022-02-23
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The -- - Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX. XXXX, XXXX DEPT OF ED / XXXX Balance : {$0.00} - Date Opened : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Cedars Business Services, LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I worked overseas in XXXX XXXX at the XXXX. This company forces all its new employees to take out loans for housing. I took out the loan and paid on the loan until I left the company and moved back to the states. I called the company where I got the loan, ( XXXX ) in XXXX XXXX to explain my situation to them but they refused to speak with me or set up any payments unless I paid them a huge payment. 
Within a few weeks Cedar Financial started calling me. I spoke with several Cedar Financial representatives and informed them I was n't working and once I started working I would make payments on the loan. They refused to listen and one even suggested I go back to my old jobs. They continue to call and leave messages on my phone. They have been harassing my daughter by calling her consistently. She has nothing to do with this issue and when I 've tried to call them to demand they stop calling me and my daughter they say they ca n't find any information regarding them calling me nor can they find me in their system. Yet they continue to call. Almost daily. 
They call my daughter while she 's at work, in the morning and in the evening. This needs to stop. I do n't want them calling me and I will make payments when I find a job. Until then, I do n't need to hear from them. I do n't appreciate them bothering my daughter with this and we are both being harassed by this awful company. One last note, my daughter 's name is n't on this loan and she was in the States when I was forced to take out the loan. 
I had no intention of telling my daughter about the loan but Cedar Financial took it upon themselves to involve her in this situation. I fear they would call someone else in my family if they knew where to find them. I do n't like that. I do n't like everyone knowing my financial situation and Cedar Financial tries to shame people by releasing private financial information about them to family members

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: NETWORK CAPITAL FUNDING CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I applied for refinancing of my home, all documents summited and loan were approved and locked, ready to deliver the loan, and instead I received email on XXXX XXXX that says " despite of approval and locking the loan, I am not qualified for the loan. '' That horrible statement delivered to me after I complained to CEO about unprofessional and unethical behavior of some of the employees inside the company got involve with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have contacted this company at least 3 times. I have disputed this with Transunion, XXXX several times, as fraudulent. Once I called both bureaus, they keep stating is that it will remain on the credit for 2 years. Also, for the inquiry on XX/XX/XXXX, there isn't even an application per XXXX XXXX. I need these inquiries removed from my report, as they we unauthorized!

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 2018-01-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Chase has made several hard inquires on both my XXXX, XXXX XXXX, and XXXX as well, without my authorization and without permissible purpose. I have reached out to Chase via certified mail requesting that they cease the unauthorized hard inquiries into my credit report. 

I also gave a formal demand that Chase immediately contact the credit reporting agencies and credit bureaus, where their Chase has made inquiries into my credit history, to have their illegal inquiries removed. 

The inquiries are in violation of Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

Listed below are the inquiry dates both with XXXX and XXXX XXXX credit bureaus : CHASE CARD Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: Checkr, Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Inaccurate information in the background check provided from my previous employer, XXXX XXXX XXXX XXXX about my employment and certification, which cost me a job. I was employed there from XX/XX/XXXX to XX/XX/XXXX as a XXXX  XXXX  XXXX  from XXXX, however they information indicates employment dates XX/XX/XXXX to XX/XX/XXXX as a tax associate. In addition, I didnt receive any information on my background check for another employer, XXXX & XXXX XXXX where I worked with from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Experian Information Solutions 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:
This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? 
however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. 
They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a crook Regions, I have proof and I have attached

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 2015-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I 've been XXXX ( XXXX XXXX ) credit card holder since XX/XX/XXXX. My credit line was {$20000.00}, I never went over the credit line limit and have always paid my balance on time and in full. This credit card has a reward program with 2 % cashback on each dollar spent. 

My credit card was suddenly closed by the credit card company in XX/XX/XXXX. When I called to inquire about the reason for closure I was told that the credit card company can close any account for any reason or no reason. I legitimately earned {$180.00} cashback which I tried to redeem but was not able to do so, online nor over the phone. I was told the rewards were forfeited because the credit card was closed. 

The rewards show in my account as available as of today XX/XX/XXXX, I earned these rewards ( cashback ) by using the credit card. I did n't do anything against the terms of service but XXXX XXXX XXXX does n't want to pay the rewards. 

Please help me to deal with this company to get my rewards of {$180.00} I earned. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a phone call and they left a voicemail, I do not know what this is in regards to, as they never stated who the call was for. I looked up the phone number and realized that this is from a collections agency. I never received any written information via mail nor did the caller disclose in the voicemail that the call was an attempt to collect the debt, please resolve this matter. I have attached the transcript of the voicemail for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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:
n accordance with the Fair Credit Reporting act 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 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 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed these accounts reflecting on my credit causing my score to decrease drastically. XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX. These accounts have been disputed and the credit bureaus have not provided me with any documentation to validate these accounts.

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 2022-02-23
Company: Rent Recovery Solutions
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: Information belongs to someone else

Complaint:
This account is fraudulent. The balance owed is inaccurate. The entity this balance is owed to is inaccurate. The last active date is inaccurate. This account is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: WELLS FARGO & COMPANY
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:
This is a formal complaint against Wells Fargo Card Services. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never authorized this account to be put on my credit report. Attached below are supporting documents. A letter was sent to the company requesting for the validation of the alleged debt and also a confirmation of arrival via USPS certified mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-20
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
It has been months since the original account. My funds were frozen because of fraudulent activity. I can't get at the money in account, however they still charge for overdraft fees which are added at least once per week. I owe well over {$100.00} in overdraft fees. I would just like them to close all the accounts and pay me out the funds that are in the account. The bank has never called me. Very poor customer service. When I try to reach out, everyone has a different story about the problem.

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 2021-07-26
Company: Experian Information Solutions Inc.
State: TN
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 am not understanding why an account that is aged almost 10 years is still reporting on my XXXX  and Experian credit report. All collections and chargeoffs stay on credit reports 7 years only, this account clearly states that it was opened on XXXX 2011 with two different incorrect dates. The dates last active is incorrect and not recent to my last dispute request. The account has been paid and still reporting and it shouldn ; ; t be due to age and inaccuracies. XXXX  and Experian was not honest about their investgation on the account memntioned above : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I were not inform of any payment arrangements, nor did I received any letter of changes to my account. When in accutuality my loan was on forbearance and not.it in on the income driven program. 

So no the reason why late payments is on my credit report, I gave no idea? I Never had to make any type of payments since I was approve back in XX/XX/2006 until now. So maybe it was a mis hap on there part. But I never agree or sign any form make payment with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: EQUIFAX, INC.
State: SC
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 disputed alleged account from XXXX XXXX XXXX XXXX multiple times with Equifax and XXXX. They ( Equifax and XXXX ) claim the information is " verified '' but can not provide indisputable, undeniable proof. I have asked for prima facie evidence on more than one occasion via jurat affidavit to XXXX XXXX d/b/a XXXX XXXX XXXX XXXX, Chief Financial Officer dated XX/XX/2019 bearing USPS Certified Mail # XXXX and have not received the response from the previous notices dating back to XX/XX/XXXX that were sent to XXXX XXXX Member Service Department as well ( evidence can be furnished upon request ). Furthermore, the alleged creditor has been sent a CERTIFICATION OF NON-RESPONSE/NON-PERFORMANCE ( jurat ) dated XX/XX/2019 bearing USPS Certified Mail # XXXX evidencing the alleged Creditor AND Credit Reporting Agency 's inability to properly " verify '' the accuracy and completeness of the information they are furnishing/reporting which is infringing upon my consumer and inalienable rights and hurting my ability to obtain credit. Under FCRA 15. U.S.C. Sec. 1681,  unverified accounts must be promptly deleted. They have been given over 30 days to provide verifiable proof and have failed to do so. I have demanded the erroneous information to be removed from my credit report and will seek damages in a competent court of jurisdiction in addition to filing a complaint with the Attorney General, XX/XX/XXXX, and IRS Financial Crimes Task Force in the event this issue is not resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: ALLY FINANCIAL INC.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan with Ally financial. My bill pay did not pay one month in XXXX 2015, and I did not know this since it is an automatic bill pay. I paid for XXXX on time and they charged me XXXX for a late payment charge. I think this is excessive and unfair practice. That fee is over 80 % interest rate which is loan sharking. No bank that I know of can charge that much for a late fee. I want to know why it is so much and why they have a right to charge that kind of a fee for being late for one month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient has twice " misallocated '' my payment and automatically enrolled me in forbearance in an effort to raise my interest rate. I uploaded a copy of my bank account statement to the Navient website proving the payment had been made. Once I proved the payment, Navient claimed it was a " back office '' issue and a hold would be placed on my account for 10 business days to resolve the issue. I called back 10 business days later and the customer service rep claimed there was no record of me ever calling and placed another 10 business day hold on my account to solve the issue. 10 business days later the issue has not been resolved and I keep getting harassing calls from Navient despite the hold being placed on my account. I am writing this today because the CFPB has filed a lawsuit against Navient for the reasons I have described above.

Company response to consumer: Closed with explanation