BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This dispute is in regards to a vehicle XXXX XXXX XXXX XXXX that was sold to the car dealer on XX/XX/XXXX. At this point, ownership rights were transferred to the new owner and the bank was paid in full. There were never any late payments made on this account while the vehicle was in my possession. 
The bank XXXX Bank of America ) is stating that there are XXXX late payments made on this account for XXXX and XX/XX/XXXX. This information is incorrect. 

I have attached the odometer statement that was signed by myself and the car dealer at the time the vehicle was turned over to the dealer.

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 2023-08-16
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Correspondence was sent to company back in XX/XX/2022, they never provided any documentation about alleged debt, now they are reporting this on my credit report as late payments lowering my score and I have not received anything from them in months, not a bill, a letter, NOTHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: NY
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 XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I filed a dispute with Experian and XXXX I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and Experian XXXX left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....

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 2021-03-19
Company: Credible Labs Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a mortgage refinancing process on XX/XX/2021 with : Credible Operations , Inc., NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I understood later that they represent XXXX XXXX XXXX. 

Since the day I started moving forward the process has been terrible. Very frustrating to say the least. Not only that they requested me to send numerous documents but some of them requested twice and some of them just with no justification or already in their hands - best example is asking me for my DOB when they have my driving license copy in their hands. It often felt like someone deliberately trying to fail the application.

On top of that I received at least 3 or 4 different loan agreements to sign. Each one had different numbers on it from the others : closing cost went up as well as cash out total changed every time. Looks so unprofessional to say the least. 
Responsiveness of the company is indescribable. Never calling back on time, lack of knowledge, never giving me answers, never updating me on time so I know what is going on. 
My suspicion was that because I locked on a low rate of 2.25 % for 15 years fixed they felt uncomfortable with it as rate went higher. It seems like someone is trying to delay my process as much as possible so eventually they can come back and say it didn't work so they can update the interest rates higher. Till this day my loan is still not closed despite numerous phone call emails requests for someone to please let me know what is going on. I seek help on this from you as much as possible. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: LA
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:
XX/XX/2022, To whom Can Help Me It Would Be Appreciated, On XX/XX/XXXX of 2022, I send certified letters to all three credit bureaus updating my personal information and asking that all incorrect information and inquiries be removed from my credit reports ; according to FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) for a second time. There has not been any corrected or deleted inaccurate, incomplete, or unverifiable information within 30 days of receiving notice of my dispute. My report should not show I owe {$14000.00} due to loss from a natural disaster as stated by the annual report records and by the company itself with a date stamp. Also, the accounts for all the bureaus read closed with the date stamp on my report. It's reporting a debt as charged-off which was settled or paid in full due to loss from a natural disaster and listing me as a debtor on an account when I was only the authorized user. Since reaching out to the company my accounts have been reporting old debts as new or re-aged to show activity which can also be found on all three bureaus ' sites. I have started to receive calls from agencies attempting to collect multiple times a day. I have not heard from either of the credit bureaus by mail, email, or certified letter mentioning or confirming my updated information and it has been well over the stated 30-day window of verification. I have been working on my report since XXXX and attempting to contact you to have my information updated. In the previous months before sending my letters. I called the companies and signed up for their website as stated by their agents from calling for help. They cited this as " the only way to get the help I needed ''. That was a lie! It was a way to get money from me to pay them without being able to even see my credit report, let alone dispute fraud incorrect information to have removed. I am asking for this incorrect information, and inquiries to be removed. I am also asking to notify every CRA involved that I disputed the debt, submit corrected information to the CRA subsequent to investigating my dispute, refrain from continuing to submit the information that it knows ( or should know ) is incorrect, and inform me of the results within five business days. It has been 90 days which is past the lawful window of verification. I do not consent to e-Oscar or any means of automated verification.

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraudulent due to identity theft. The dispute inquiries do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that inquiries are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
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

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 2022-04-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX XXXX and I am making a complaint about MoneyGram. I often send my fiance money overseas to XXXX to help make ends meet. but I've noticed that the money have not been getting to his account on time. At first I thought this was just normal until I read about it and I realized that i was not being treated fairly I am a mom of three and I am going through enough as it is with not having my fiance here with me due to the XXXX Visa. And while he is trying to make ends meet it is making it difficult not receiving funds on time

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Experian Information Solutions Inc.
State: AR
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX  {$500.00} XXXX XXXX   XXXX {$130.00} XXXX XXXX XXXX XXXX {$190.00}

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 2020-08-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, XXXX XXXX is showing on my credit report. This debt is older than 7 years but XXXX, XXXX   and Experian continues to report it. Dates keep changing. When will it ever come off of my report??? Ive had an issue since day one when the salesman lied and told me that with my trade in I was going to receive a special of 90 days no payments due only to find out that wasnt true which made my first and second payment late. Can you imagine your very first and second payment being past due? I thought I had 90 days! So I was playing catch up from day one. Then they signed me up for every extra service and charge known to man.

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 2020-08-06
Company: Experian Information Solutions Inc.
State: SC
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:
THE DISPUTED ACCOUNTS HAVE BEEN REPORTING NEGATIVELY AND INACCURATELY ON MY CREDIT REPORT. THOSE ACCOUNTS HAVE BEEN DISPLAYING FALSE TRANSACTIONS NOT MADE BY ME. THESE ACCCOUNTS ARE NOT LIABLE TO ME AND I WAS UNAWARE THAT THEY WERE REPORTING ON MY CREDIT FILE UNTIL I STARTED MONITORING MY CREDIT FREQUENTLY. PLEASE REMOVE ALL THE DISPUTED ACCOUNTS THAT HAVE BEEN CAUSING SERIOUS HARM TO MY CREDIT FILE.

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 2020-08-06
Company: Phoenix Financial Services LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started receiving phone calls and letters regarding a debt from XX/XX/2016 just a couple of months ago. I wrote to them asking for confirmation of the debt and they sent me information from another collection agency that I had never received anything from rather than from the medical facility they were supposedly collecting on behalf of. I pay my medical bills and they just want me to take their word that I owe {$38.00}. I know it is a small amount but why did it take four years before I was contacted regarding this supposed overdue amount. They sent me letters and made repeated phone calls to me asking for my credit card number. I told them that I would not pay a debt that I did not believe I owed that took four years to contact me about. They even reported it on my credit report. It just appeared about two months ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a total of 3 payments ( 2 for XXXXeach with my capital one credit card and 1 for XXXX with my capital debit card ) well when it came time to receive what I paid for the company did not provide the service. When thinking about trying to get the issued resolved with the company they told me to go through my bank. So, I reached out to Capital One to start a claim. The first purchase was made using my capital personal checking account ending in XXXX in the amount of XXXX ( claim number XXXX ) which was resolved and the temporary credit they gave me was permanent after an investigation was complete. The second purchase was made using my capital secured card account ending in XXXX in the amount of XXXX ( claim number XXXX ) in which capital took the credit back and charged my account. The third purchase was made using my capital secured card account ending in XXXX in the amount of XXXX ( claim number XXXX ) in which capital took the credit back and charged my account. I mention all of this to say I would like for the company to permanently credit my account back in the amount of XXXX the total amount they charged back being that the services I agreed and paid for were not receive. I even questioned the company as to how my Capital One personal checking account claim be resolved correctly but the credit card is not resolved correctly. Same company, different departments but for the same purchase. My checking account was credited, and I was able to keep the funds but for the credit card they took the credit back. When bringing the matter to the attention of the company they stated, it doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was called by " XXXX Fraud Department '' & I was forced to buy gift Cards to " protect my charge cards from unauthorized use by people who compromised my XXXX Account. They told me emphatically that there were unauthorized charges on my XXXX  account and that these people had access to everything in my phone, IP address, bank & credit card details, pictures, etc. and they could compromise my bank and credit card accounts. To protect these things and to protect me from criminal activity and possible jail, I needed to follow their instructions exactly. They told me not to tell anyone about this because they were working with the federal government to find and prosecute these people.They stayed on the phone with me and told me what steps to take all day. To buy {$500.00} gift card on Chase Amazon card as many as I could before being denied access, and to also buy as many as I could on my XXXX XXXX card. When I discovered this was a scam I refused further calls from them. I immediately called XXXX XXXX to report threatening me to buy gift cards and they reversed the charges for the 5 gift cards charged to their card. Chase Amazon card refused to reverse my {$500.00} charge even after speaking to 8 people about it, even that I had a police report, who definitely agreed that I was a victim of a financial crime. They stated that I made the face to face purchases and they could not reverse it. These people also forced me to withdraw {$4500.00} from my XXXX XXXX checking account to put into a Bitcoin " government wallet '' to protect most of my checking account money from being compromised. This complaint is about Chase refusing to reverse the {$500.00} chg. XXXX XXXX is investigating this forced {$4500.00} withdrawal to see if it can be reversed as I have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXXXXXX 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 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any report containing any of the following items of information and any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything that is an error to be corrected. i will greatly appreciate your help with this matter. 

Inquiries, accounts from XXXX XXXX to XXXX XXXX credit cards etc. I can go on and on but i will attach the dispute letters that was sent to them back in XXXX, along with my correct documents and i hope to hear from you soon.

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 2023-11-02
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In the summer Great Lakes Loan service ended their company? And transfer every to Nelnet XXXX XXXX. 
I've been emailing Nelnet on their forms online, letting them know that I can NOT make a large amount of payments each month ( over {$300.00} ). 
They have either ignored me or denied me or both. Which I don't know why. I did a lot of forms for forbearance and/or low payments on FAFSA/Student gov XXXX. And yet Nelnet is not helping me. 
I'm a single mom with XXXX kids, and receive no child support ; I'm the only income coming in my household. I desperately need help with lowering my payments or putting them on freeze. 
Because I do not need my wages garnished in any way. Please help. 

XXXX : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation