BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: GA
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 my second request to correct my personal on my credit file. 
I have been a victim of identity theft and your company is leaving me open for someone to retrieve my information. 




I have already notified the Federal Trade Commission by completing an identity theft report and I have included a copy for your review, and you still have npt corrected my information. 

Creditors do not own my information. Creditors do not dictate what can be reported. 
The information on my consumer report is incorrect and I need it corrected. You are violating my rights as a federally protected consumer by not reporting accurate information. 

Report XXXX XXXX The only name should be showing is : XXXX XXXX XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX, GA 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 2021-07-16
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX and XXXX, XXXX, Loan Depot withdrew two payments for my first mortgage payment XXXX XXXX XXXX. XX/XX/XXXX, I asked for the money to be returned immediately as I needed it. Told it would take 7-14 days, I had no choice. Asked for manager wasnt provided one. Called?, because I received statement via mail that unauthorized payment applied to XXXX. Told customer rep I needed the money and was reassured it would be returned via bank account no later than XXXX. XX/XX/XXXX, asked where money was. Told it would be mailed and arrive at end of month - I was hung up on. Called back, told would be in bank account in 24-48 hours. XX/XX/XXXX, told via voicemail hopefully arrival by XXXX and to call back if not received by mail. Cant get any management by phone or a corporate number. I have been assessed a bank fee of {$25.00} due to this issue. It should not take multiple calls or this duration of time to get significant money back ( {$3500.00} ). I am going to dispute withdrawal with bank as I need some financial relief for bills now. Someone should look into this practice of holding money this long that was taken in error. They dont care!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/21 - Called Chase Bank to get {$850.00} in funds recovered from a scam payment. They said they couldn't help me because it was done with XXXX XXXX  with XXXX and suggested that I call XXXX, but they would notate that the number and email address the funds were sent to as a scam. 
XX/XX/21 - Called XXXX to see if they could help because its basically like XXXX XXXX and I would need to contact my bank to get the funds recovered. I informed them that i had called the bank first and they stated to call XXXX. Again they said to call my bank, and also said that they couldn't help retrieve the funds, but could mark the phone number and the email address as a scam and they would be blocked from using the app. 

Neither company would help and basically said was my fault for falling for the scam. Once i realized it was a scam I immediately reported it to the FTC and BBB as well as called my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Ability Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
someone has been going to the hospital under my identity, which is fraud. I also have active XXXX XXXX. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.

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 2019-02-07
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate 16 errors on my credit report. Over 30 days have passed, and I have not yet received a response. They are required, by law, to respond within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE SENT EXPERIAN A POLICE REPORT AND FTC REPORT AND THEY CONTINUE TO REPORT THE XXXX CHARGE OFF ON MY REPORT THIS HAS BEEN AN ONGOING PROBLEM SINCE 2022. THIS HAS BEEN A HINDER IN MY LIFE AND HAS CALLED A GREAT DEAL OF STRESS ON ME WITH TRYING TO BUY A HOME AND FINDING EMPLOYMENT. 
In accordance with the fair credit Reporting act XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account # 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 states a consumer reporting agency can not furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose.

in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card 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 2022-12-09
Company: Experian Information Solutions Inc.
State: NC
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-10-18
Company: LLOYD'S PLAN, INC.
State: IA
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:
In XX/XX/XXXX I cosigned a loan with Lloyd 's Plan in XXXX XXXX Iowa. The Loan was extended in XX/XX/XXXX and my mother defaulted on the payments. At that point I recvied no contact either by phone or mail from them. They garnished wages from my mother and I was never notified of any issues with payments. They said they mailed information but I never recvied it. Nor, did I recieve a call. 

On XX/XX/XXXX I spoke with XXXX at the office. She even stated that it was completly mishandeled and wanted to do something to help me. I called and spoke with an office manager named XXXX who was not helpful at all and basically said oh well and it was my responsibility, not thiers to keep up on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: CA
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: Public record information inaccurate

Complaint:
I was going through my credit report and I don't believe this is accurate. I would like to get this removed immediately In accordance with Fair Credit Reporting Act XXXX Reference # XXXX Bankruptcy XXXX XXXX XXXX US BKPT CT LA 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 explanation
Consumer complaint received 2021-03-18
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Having gotten poor advice in the past from previous loan company, I consolidated my educational student loans under the Federal Family Educational Loan Program ( FFELP ). 
I have been aware recently that my educational loan does not qualify for Loan Forgiveness. I applied for Public Service Loan Forgiveness and was denied because my loan type does not qualify. ( FFELP loan amount as of XX/XX/XXXX : {$110000.00} ). If I had advised that consolidating my loans under the FFELP was not the best option for me, I would not have done so. 
I have dedicated to working in the XXXX XXXX as a XXXX  in underserved communities in XXXX, Illinois and do not have the benefits or options that I would have had if I had been advised to consolidate under the Direct Loan Program. 
I graduated from XXXX  XXXX  School in XXXX and finished my XXXX  at XXXX XXXX XXXX XXXX XXXX in XXXX. I have served in underserved areas in XXXX since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: TrueAccord Corp.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
True Accord keeps emailing me about a debt I owe to XXXX in the amount of {$260.00}. I have never had any accounts with XXXX. I have emailed them and told them this is not my debt. They continue to email me. Today I called and told them this is not my debt and to quit sending me emails. I also told them, I will be reporting these actions. I believe this is a fraudulent collection company harassing people over debts they do not owe. They had nothing on file for me that is current.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have requested FedLoan to look into all my payments and to see which qualify for income and loan forgiveness. Seems to me they're dragging their feet. I've been a long forcement since XXXX end is XXXX I should have one more year left but they're telling me since I wasn't under the program I don't qualify even though I can prove that I've been in love working XXXX why shouldn't matter that I wasn't under the program?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting and XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-09-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reside in the state of Texas and have lived in Texas my entire life. 
On XX/XX/2023 I received a notification about a new account that was opened through Credit Karma and XXXX. In early XX/XX/2023 my wallet was stolen. Inside my wallet was my drivers license and social security card, along with other identifying information. I contacted XXXX and inquired on the new account and was informed that it was a bank account along with a " secured '' credit card. The account was opened and created in the state of North Carolina. 
I contacted the bank and advised them that my identity had been stolen and that I live in the state of Texas, not in North Carolina. The company informed me that they would close the account, which they never did. 
I have disputed this account through XXXX three times and have submitted police reports from Texas and North Carolina, FTC Report ( FTC Report Number : XXXX ), IRS Identity Theft Affidavit ( XXXX XXXX XXXX ), along with my personal identifying information and they persist that the account was verified and belongs to me, which it doesn't. 
I am a victim of identity theft. This is an on going investigation. For more information on the police report, please contact XXXX XXXX XXXX Department in North Carolina at ( XXXX ) XXXX, speak to Detective XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX. You can also contact XXXX Police Department in XXXX Texas, speak to XXXX XXXX at ( XXXX ) XXXX, reference Case # XXXX ( identity theft ) and Case # XXXX ( stolen property ). 
I am pleading for some additional assistance with this matter. This bank account does not belong to me and never has. I have lived in Texas my entire life. My identity has been stolen and the people using my information live in North Carolina and have used my information before to reside in three different addresses and XXXX has not verified the information before and simply adds the information. They have also used my information to obtain a phone through XXXX XXXX, which is also being disputed. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
This is concerning the 2009 credit card act. 
I paid an extra amount over and beyond the minimum Bank of America payment due and they refuse to add this to the high interest portion of the statement. 
I had this issue before with this bank and they did not respond. I just let it go at that. 

My XXXX XXXX Statement showed Balance transfers 8.99 % {$6200.00} Bank cash advances 19.99 % {$3200.00} Minimum payment due {$190.00} I paid the minimum of {$190.00} plus an extra amount of {$5000.00}. That should have wiped out the 19.99 % portion of the statement with an an additional of {$1700.00} applied to the 8.99 % portion of the statement. Bank of America elected to add the main portion of the payment to the lower interest part of the statement. 
This according to me is not according to the 2009 credit card act. 
I can substantiate this with my statements. 
The current balance on the 19.99 % portion is still {$2500.00} Thank you for your care

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have spent at least 5 hours navigatinf Transunion 's circular, Of shore, hard to understand Customer Service and can get no clear answere has to why there was a XXXX point over night drop in my dredit score based on no new information. I even " joined '' there " service '' for {$58.00} to try to find answers, which provided no help.

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 2021-03-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I previously asked the credit bureaus for a investigation on account that was fraudulent opened in my name the company was sent a letter for validation of my debt company never responded I also wasn't given anything about the results of my dispute I have proof I sent numerous certified receipts. I sent proof of my identity and my FTC report and now this is my next step before I file a law suit. I will be submitting ALL my proof thanks again.

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 2020-11-05
Company: Shellpoint Partners, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, my wife called our existing mortgage servicer, New Rez/Shell point and explained that our tenants had lost their jobs due to Covid 19 and that we couldn't make the mortgage payment due on XX/XX/2020. She requested Forbearance and was told it would take 48 hours and that we would not be marked as being late during forbearance. 
We did not make the XX/XX/XXXX payment. Then the mortgage company called us and demanded the XXXX payment. We were confused because the loan was supposed to be in forbearance. With great hardship, we did make the payment on XXXX and we paid for both XXXX & XXXX. On XX/XX/XXXX, we made a payment which was slightly short, again the lender demanded that we give them more money which we did on XX/XX/XXXX. We had NEVER been late before or since. We were told that our loan was in forbearance and no payment was needed. New Rez Shell point has a recording of the actual phone call and also has a log of the XX/XX/XXXX call. We are trying to refinance to get a lower rate. The lender denied us because of the two mortgage lates that New Rez is incorrectly reporting. On XX/XX/XXXX, we called the loss mitigation dep & XXXX, said that it was a New Rez error and that we should dispute it which we did once on XX/XX/XXXX and again on XX/XX/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 2022-11-14
Company: LEXISNEXIS
State: IL
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have requested for the last week for my consumer disclosure report. I went through the portal and tried to call. I know there is some incorrect information on the report because of selling of my information. I get the response " An error occurred during execution ; please try again later. 

LexisNexis Homepage LexisNexis Consumer Disclosure Your Privacy Rights FACT Act Security Freeze Your FCRA Rights Help An error occurred An error occurred during execution ; please try again later. 
XXXX Copyright 2022 LexisNexis Risk Solutions. About Us | Terms & Conditions | Privacy Policy | Site Map As a consumer and a victim of my debit card being compromised ( identity theft ) I am writing this for full investigation.

Company response to consumer: Closed with explanation