BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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:
My consumer report in not 100 % accurate I have research my report thoroughly and found many many unlawful and inaccurate reporting tactics. These tactics are hurting livley hood and I am ubable to live my life and find a stable home for my family. This is unacceptable. I read and researched for myself and found. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 
( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
SOXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX has violated my rights. 
XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX has violated my rights. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights. 
XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States | 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. I did not give anyone written instructions to report any unlawful information on my consumer 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 explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX-XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: JPMORGAN CHASE & CO.
State: NY
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 XXXX XXXX, and I need your help in reaching this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. As it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who established the account in my name and give those details to them rather than me. Kindly help me in solving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
i am currently unemployed and can not make payments on my private loans. I have enrolled in the income based repayment plan for my federal loans and that is {$0.00}. I have on numerous occasions tried to speak to them about some type of repayment plans or deferment or something to if they could help me, eac time they just tell me NO, the minimum payment they will accept a month would be {$170.00}, unfortunately I dont have that. Then they ask if any amily or friends will make my pyments for me. That is a joke. I just need some understanding help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Atlanticus Services Corporation
State: NY
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
A loan for XXXX was given to me..they never sent me a rate notification and now I find out its over 100 % intrest please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-18
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2015-08-02
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Mortgage broker XXXX XXXX neglected to inform loan applicants I a timely manner about closing cost and process. Loan broker informed loan recipients the night before closing about the how to pay closing cost the night before closing. The accepted form of payment required a wire transfer that required a in person signature at the loan receipents bank in XXXX XXXX XXXX, XXXX. Funds were verified XXXX weeks prior to closing therefore loan broker understood credit union not in XXXX where closing was scheduled to happen. Due to loan brokers incompentence and negligence, we were not able to close or receive any keys to the house. We signed the agreements but never received the paperwork or received any disclosures. We were told we have to have the money wired from that bank funds were verified in and we anticipated moving into our home Friday. Therefore all our belongings and cars and family of XXXX adults, XXXX XXXX and XXXX small kids ages XXXX, and XXXX were left stranded with no regard for our welfare. The loan broker never called back to give other options such as transferring funds to another bank, verifying funds there and then wiring the funds that morning. He expected that for us to travel back to XXXX to sign a document that could 've been completed before our travel to XXXX if the broker would have taken the adequate amount of time to inform his clients properly to be prepared for closing and to have a smooth transition into our new home. Now we have been stranded for over XXXX days and three nights, paying for lodging, food, gas and travel due to the negligence of this broker. This practice of business should not go unrecognized and I 'm sure he has done this to other consumers before. I am seeking monetary compensation for expenses incurred and pain/suffering. My kids have been crying and worried because we are stranded and homeless. This is business practice that is unacceptable and should be sanctioned. I believe he does not deserve commission because he did not complete his services and failed to notify us about closing process in a timely fashion because all of this could have been avoided. I emailed this broker and allies numerous of times in regards of this matter and he finally contacts me the night before about the closing process and the day of about the closing cost.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: QC HOLDINGS INC
State: OK
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Hello my name is XXXX XXXX and I wanted to file a complaint on national quick cash in XXXX Oklahoma. Because they sent my check over to my bank and it took the money out so then I waited today for it to go through and it did. So I call the loan company asked them if I bring in a bank statement and show them it went through so they said we 'll we ca n't take bank statements anymore. But last time it was n't a problem until now so now I have to wait a week to reborrow from them and they were just so rude about it over the phone. So I need some kind of exvice or something because this does n't seem right all other loan companys take bank statements but this one suspobly do n't do it now so this is making me so mad and stressed out.. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Equifax has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. You should furnish confirmation that this assumed account was in fact past due and that you have taken the vital practices to be able to appropriately learn more about your allegations. I do not believe I was late on the date you are reporting. Please report the payment status as positive and update the late reporting on this account. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Since I opened my account with Bank of America I 've noticed a pattern of allowing larger items to be processed prior to smaller items regardless of the order in which the items are presented. I 've had several overdraft fees refunded as a result of bank error primarily because of charges accrued after a deposit was made. I 've gone into the bank and tellers suggested that I set up balance alerts. My alerts were initially set for {$25.00}, if my account fell to {$25.00} I was supposed to get text and email. I would receive notice only after I 'd been charged overdraft fees. I went back to the branch and raised the alert balance to {$100.00} this was XXXX XXXX, and despite increasing the alert limit with the banker I still have continued to receive alerts once my balance has dropped below {$25.00} after my account has received overdraft fees. For example today XX/XX/XXXX I logged into my account and noticed I have been assessed XXXX overdraft fees yesterday but no notice still today. Additionally I made a deposit of XXXX dollars on XX/XX/XXXX. Despite making this deposit at XXXX on the XXXX, on the XXXX I was assessed XXXX more overdraft fees at {$35.00} each. This month I also have a charge for {$14.00} still pending and the charge was done XX/XX/XXXX that was put through today with an overdraft charge. In contrast a charge for XXXX was n't presented until the XXXX but it went through prior to the XXXX dollar charge.. Neither with appropriate alerts despite setting up alerts on several occasions. When I filed a complaint and complained previously they refunded only XXXX of overdraft charges today. I have been charged {$1700.00} in overdraft fees since XX/XX/XXXX, as a result of the same practices and {$240.00} is n't sufficient considering that this practice has been ongoing since I opened the account in XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-19
Company: Utah System of Higher Education
State: MA
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:
My student loan servicing was sold from XXXX to XXXX. I contacted XXXX to ask if this would require any of my Auto-Pay information to be changed or confirmed. They informed me that there was no need to change anything as all of the Auto-Pay information was coming over from XXXX and payments with XXXX would continue as normal. I 'm paying more than the minimum in order to pay down the loan faster and reduce how much interest I 'll be paying. 

The first payment went through at the correct amount, but the second payment did not. The second payment was reduced, without my knowledge or consent, to an amount over {$50.00} less than my previous payment. Furthermore, my interest rate of the loan mysteriously went from ( an already ridiculous within this market ) 6.55 % to 6.8 %! I 've written to XXXX and have not received any response. This increase in interest ( which has potential to be fraudulent ) as well as their decision, without my permission, to decrease my monthly payments via AutoPay will greatly increase the interest that they 'll collect.

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 2022-10-18
Company: EQUIFAX, INC.
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:
PLEASE NOTE THE LAST FOUR OF MY SSN IS XXXX. I WAS UNABLE TO LEAVE THIS IN THE SPACE PROVIDED LATER IN THIS FORM ( ON THE FOLLOWING PAGE : PROBABLY DUE TO A COMPUTER GLITCH. PLEASE INCLUDE THIS IN MY REPORT TO THE CREDIT BUREAUS I have tried contacting all 3 major credit bureaus. I wish to dispute all the credit inquiries for the month of XX/XX/2022. I was told repeatedly by ALL the bureaus phone reps, and mutiple sales reps that I could get quotes for car shopping etc without it harming my credit. It did indeed harm my credit and drastically so for that matter. I was not wanting or aware of what I was supposedly consenting to. I thought the dealerships were basically going to do a soft credit pull. I wasn't aware that we going to submit in such a way that I would end up with over 40 hard credit pulls!

I spoke with a sales consultant that explained often most dealerships do not care and will essentially tell the customer whatever they want to hear. I feel that I was sincerely mislead. I have tried calling and submitting dispute online. The credit agencies have very POORLY trained employees, seemingly. They have also informed me several times that shopping around for a car ( so long as it's with the same time span ie 2 weeks, won't ding my credit ) my score dropped XXXX points solely because of this. 

I am a XXXX veteran with head injuries and other XXXX ratings. I really don't appreciate what feels like happened. This seems and feels a bit reckless what happened. The dealerships could and should have better explained themselves. This credit bureaus also gave me false information. Insult to injury the actually seem almost hell-bent on not helping to resolve these matters. 

It seems credit monitoring via their sites and credit lock services are a cash cow for them. I think they are purposely making things more difficult and not being through with their investigations. Even though it's a multiXXXX dollar industry, it seems that greed is still blinding ( at least some of the employees ) supervisors are people in the legal departments where very difficult to reach. 

The one person I was transferred to who was supposedly from the legal department seemed VERY ignorant on what all the FCRA laws were and didn't seem to really care at all and didn't seem interested to hear an explanation of the code and statues I was trying to site. 

There have been several other serious inaccuracies on my report. They are also not conducting proper and through investigations as per my request. For example XXXX details given about who they independently re-verfied with, the information in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, INC.
State: UT
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:
Equifax, Experian and TransUnion, FHA XXXX XXXX, XXXX : XXXX. 
CFPB XXXX .this is just XXXX of the complaints. 

Every morning when I wake up, I have to fear of getting call 's and mail getting robot call 's were i had to change my phone number. were i missing a call about my brother because of the amount of robot call 's from the XXXX party collection 's calling over XXXX time when my brother died. and when you talk to a live person they don't care if your a victims they tell you to pay and then the will remove it, I cant sleep most nights without nightmares I so desperately want my life back. The life I had before the data breech that caused this night XXXX. Equifax, Experian and TransUnion still lets this happened, we had to file complaints FHA, CFPB is an independent federal agency built to protect consumers and nothing happening. collection 's dept. have taken money out my account 's were i had to change my account number. was homeless and i have to pay a huge amount of depts.. exceeding over XXXX just to rent a place, i missed out of buying a home because of the fraud and the lack of reporting with my old home loan with loan depo. right, THIS HAS ALSO AFFECTED MY WIFE XXXX XXXX " " "

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I contacted the bank and they agreed to remove the account from my file. I have already extended my obligation by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still, they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation of Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you to be responsive and DELETE this account that caused me so much trauma. 

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 explanation
Consumer complaint received 2022-10-18
Company: Southern Auto Finance Co
State: NV
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:
Notice to agent is notice to principal, notice to principal is notice to agent I have been deceived and misled about the use of my credit they have misinformed me and after checking the fictitious contract they created I have spotted and seen that it states very clearly that the security originally is more as the car has been paid in full the moment I gave them access to my credit to my credit 15 usc 1602 ( I ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I gave them my credit card and it entered me into a consumer credit transaction and that created a finance charge in pursuant to 15 usc 1605 ( a ) Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction.

In Pursuant to 15 USC 1681a ( 2 ) ( B ) Anything with my credit card which defined in TILA is my SSN should be excluded from my consumer report.

In Pursuant to 15 usc 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include. ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Furthermore they used misleading means to attempt to collect an alleged debt, In pursuant to to 15 usc 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

This is hurting my lively hood and I cant apply for anything. This has affected my mental space and stressed me beyond measures that it has caused my mental health to get to it's lowest point. I am demanding that the account with Safco, XXXX XXXX and XXXX XXXX  be deleted from my consumer report XXXX XXXX, Beneficiary ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation