BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-23
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 Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: LMS Services, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A representative named XXXX XXXX stated that I owe XXXX to a company named LMS Solution. I tried to tell the representative that she had to wrong person but she insisted on stating she was going to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-08-27
Company: EQUIFAX, INC.
State: CA
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, these accounts have violated my rights. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I Account Number : XXXX Account Name XXXX XXXX Account Number XXXX XXXX 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 2016-01-07
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The bank is reporting past due and this was paid in full and subsequently XXXX Bank was taken over by Union Bank. This is still on my credit report reflecting past due when in fact it is PAID IN FULL and should be reported as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to freeze my credit at freeze.equifax.com on XXXX/XXXX/XXXX. I entered all my information, got the following on the next page once I submitted it " We are currently unable to service your request. 

Please try again later. '' Worked OK at all the other bureaus. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was informed by Equifax that I was possibly affected by the breach that Equifax has going on. I enrolled in their free product trusted ID and this service give XXXX the option to lock and XXXX lock your report. I kept my report locked because as stated by Equifax I was possibly at XXXX of identity theft. I had my report locked and went to unlock it as I tried to apply for credit. Got a error message that my request failed to unlock it. Friday XXXX XXXX XXXX gets a letter from Equifax that a fraud alert had been placed on my account. I never requested any fraud alerts and no disclosure advised that by locking my report that they would take it upon themselves to place this alert. Unbeknownst to me that would notify the other bureaus informing them to place an fraud alert on my report. Such a nightmare I am experiencing. I contacted Equifax to try and figure out what was going on and the XXXX hours I spent on the phone with them and the XXXX reps I spoke with had no clue how to help me and to this day my report is still locked. No one apparently knows how to unlock it. I never received an PIN numbers for my credit to be pulled when applying for credit! All I can say is this is such a night mare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Nelnet, Inc.
State: OH
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:
Nelnet is refusing to assist me in completion of the forms needed to process the annual determination. Their own website is confusing so I have problems figuring out which payment plan is right for me. The plans offered are : Income-Driven Repayment Plans and Income-Sensitive Repayment. The explanation of the two do not coincide with these explanations : The Income-Contingent Repayment ( ICR ) Plan, Pay As You Earn ( PAYE ) Repayment Plan and Revised Pay As You Earn ( REPAYE ) Repayment Plan are for Direct Loans only. The Income-Based Repayment ( IBR ) Plan is for both FFELP and Direct Loans. 
Because of this I believe Nelnet has offered to mail me pre-populated forms in the past and now they 've declined and also have refused to accept my faxed signature page that they 've accepted in the past. I 've gone through telephone verification and uploaded tax documents yet they continue to pursue past due payments for {$600.00} when my payments were determined to be {$46.00} or so. They 've ignored requests to send me a pre-populated form so I can use the signature page only to give a physical signature. I think they are creating a hardship for me by the confusing language for the available plans ; ignoring already submitted documentation of income and household size in pursuit of a much higher payment ; no offer of forebearance while the newly needed physical signature page is required ; refusal to give me a pre-populated form to eliminate the mistake of applying to the wrong plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions Inc.
State: MD
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 has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

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 2017-10-17
Company: Kashia Services
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
on XXXX XXXX 2017 inbox loan has emailed my boss a wage assignment letter in order to pay back the loan including the high interest and principal. I called the collection company that emailed my boss and was told that I could not make a payment plan and that I would be taken to court to collect the loan with the interest and principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: MI
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:
Inaccurate Personal Information! 
I have been calling since XX/XX/2022 after being denied for rental property! I got letter stating that they can not pull my Credit Report nor obtain Score from Equifax, maybe due to Fraud Alert. Upon receiving letter I call Apartment Leasing Office and explained how that can't be because I do not have a fraud alert on my report. They informed me to call Equifax and try to get problem resolved. So I figure I'd try to look up my report myself and nope theres no report nor score, EQUIFAX isn't reporting any of my information! 1st call XX/XX/2022 I explained my concern and agent reassured me there was no alert nor freeze on my report. She said she would file dispute on my behalf to report problem with website! That's not what I explained was the problem but ok. I call Leasing office and pay another application fee {$50.00} to have them try again ( so now I'm out of {$100.00} ) ..she informs me samething happens. 2nd attempt to Equifax XX/XX/2022 this time they said I have an alert on my report and askes if I like to remove..now I have never asked alert to be placed!!! Furious at this point I need to know the accuracy of my Personal Information because something isn't right..She gave me so many inaccurate Addresses and I then tell her I have 1 ONE address thay needs to be on file and to update please! I give him information and he says it was taken care of and I should be able to get report! Again epic Fail! I am just trying to move, This goes on til XX/XX/2022! Called and yes I am upset and immediately ask to speak to a Supervisor only! Too many agents and noone is understanding what I am saying and instead of getting progress they are making matters worse! I get Supervisor on the line and again explain issue..she informs me theres no Fraud alert but I have been LOCKED OUT OF MY ACCOUNT BECAUSE OF FRAUDULENT ACTIVITY..wth how and by whom..Myself I ask? She says she can not give me any information but to send in certified mail or fax stating problem with copy of my License and SSC! I did both. XX/XX/2022 I receive " Updated '' Credit Report and before opening the address on front is wrong!! Personal Information still not updated and showing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Central Portfolio Control is the debt collector for XXXX XXXX XXXX. I recently refiled a dispute with XXXX because the collection agency said it was the correct information. The first late payment was reported in XXXX. I did not go to any hospital in XXXX and I believe it is fraud or theft on behalf of my identity. The amount is for {$6600.00}. The account was opened on XX/XX/XXXX and is 2 months old but a representative of XXXX said the first late payment was reported in XXXX. I have not received any documentation on this issue from the creditor but it is on my credit report. That is how i found out about it through an additional credit report website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: CREDIT ACCEPTANCE CORPORATION
State: WV
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 financed a vehicle through Credit Acceptance on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX XXXXXXXX  XXXX and Credit Acceptance was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from Credit Acceptance. XXXX 'XXXX   Garage went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to Credit Acceptance. Credit Acceptance did not respond and XXXX XXXX XXXX was granted the salvage title. Credit Acceptance removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. Credit Acceptance failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX XXXX. The loan needs to be removed from my credit and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Assoc is a collection agency that has been paid. I have tried disputing their account multiple times due to their illegal and inaccurate reporting, yet it remains. This collection company is reporting this account as open, though it 's been paid for numerous years. They have it listed under installment accounts as though it was a cc though I never had a CC agreement with them, it was with XXXX XXXX, the company they bought the debt from. They list a high credit amount as though they 're a CC instead of a collection agency. They list dates of serious delinquency like a CC. All tactics that as a collection company they are not allowed to use and if I remember correctly, they have had lawsuits filed against them in the past for these same illegal tactics to extend the damage they can do to consumers with regards to their credit long after the debt has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX can get away with identity theft to alter documents and sell that loan with the altered documents

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 2022-05-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Upon opening my Chase business account in XXXX, I was set to receive a business debit card and a XXXX XXXX  credit card, I asked for the cards to be sent to my XXXX XXXX, XXXX XXXXXXXX XXXX address where I spend the majority of my time, the XXXX credit card arrived at my XXXX XXXX address as requested, the Chase banker made an error and had the debit card was sent to my XXXX apartment where I also have a residence. 

Though it never arrived in XXXX. I asked again for it to be sent, but it still never arrived, though this time on XX/XX/XXXX it was taken to a Chase in the XXXX where {$1.00} was deposited to activate the card. From there the card was taken to a XXXX in the XXXX and made a purchase for {$190000.00}. 

Then on XX/XX/XXXX it was used to make a deposit of {$40.00} in a Chase Branch where they incorrectly wrote my business name on the slip, yet were still granted access to the account. From there they withdrew {$43.00} and accrued multiple penalty fees from using a non-chase ATM. 

My personal Chase statements on my personal debit card contradict me being anywhere near the XXXX at these dates of incidence. I was over 3 hours away during those time frames, I have bank statements, photos with geo tagging, and pay stubs to prove my location during these occurrences. Chase is insisting that these charges were authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-26
Company: EQUIFAX, INC.
State: WV
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 financed a vehicle through XXXX XXXX on XX/XX/XXXX. The vehicle was a lemon. Within a year, I had to have the alternator changed 3 times. The alternator went bad again in XXXX of XXXX and the car would not run. The vehicle was towed to XXXX XXXX  XXXX and XXXX XXXX was called and asked to come and get the vehicle. In XXXX of XXXX, there had been no response from XXXX XXXX. XXXX XXXX   XXXX went to the XXXX to obtain a salvage title and therefore the XXXX sent certified letters to myself and to XXXX XXXX. XXXX XXXX did not respond and XXXX XXXX XXXX  was granted the salvage title. XXXX XXXX removed the debt from my credit report but is now reporting the loan as open when in fact it has been five years since the salvaged title was granted. XXXX XXXX failed to secure the vehicle from the voluntary repossession and this is on record with the XXXX XXXX. The loan needs to be removed from my credit and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am trying to refinance/modification for my loan but since it is not the 1st loan on the house the provider can not help with refinance or modification. The loan terms expires in XX/XX/2020 and the balance is around $ XXXX. due to the pendemic i was out of a job. They just flat out denied the modification. 

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
I received an alert from XXXX XXXX that I had a Hard Inquiry from XXXX on XXXX XXXX. There address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX, XXXX. I did not apply for any credit thru this bank. I called XXXX but they wanted my social security # which I was not comfortable providing. I called and ask for the Fraud Dept but was not given it. I called Transunion Credit Agency and I could not understand much by the person answering the phone. Other than to open a case with you. I have also out a credit freeze on my report.

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