BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: TX
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 my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Avant Holding Company, Inc.
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I obtained a personal loan from Avant, and am now going through a divorce and have lost a significant amount of household income, and am now a single parent. I am unable to pay the extremely high interest rate and payments. I requested that the loan be forgiven or settle for a significantly lower balance. The customer service agent only provided me an option for smaller payments that would further delay the payoff of the loan and continue to collect and unfair amount of interest. When asked to speak to a supervisor or someone else who can assist with a different plan, I was placed on hold for several minutes and then notified that a supervisor would be calling me back. I never received that call. I am unable to gain financial freedom with this personal loan and high, unfair interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection company has reported to XXXX XXXX of a collection accounr. It says original creditor is XXXX XXXX. 
I had att in 2016 and returned my equipment as instructed at ups store and received receipt. This collector has never sent me anything and the only way i found out about this is by XXXX XXXX alert. 

Collection co on my XXXX report Enhanced recovery co XXXX, fl 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 2023-01-09
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
This is for the American Express Platinum card. One of the benefits advertised is that you get a {$50.00} credit every 6 months for XXXX XXXX XXXX it has to be used by XX/XX/XXXX and the second by XX/XX/XXXX of the calendar year. I purchase something for {$64.00} on XX/XX/XXXX. On my statement it shows XX/XX/XXXX. On their app it shows as XX/XX/XXXX. I did not receive my credit. 

I chatted with customer service and they said that despite it showing XX/XX/XXXX on my end, on their end it shows as XX/XX/XXXX and therefor I dont get my credit. I said thats not what their advertising says. It says purchase made XXXX of the calendar year and it shows XX/XX/XXXX on my end. 

The rep said it didnt matter what I saw on my end. Their systems post differently and thats what it goes as. In some travel credit card forums, this has been coming up a lot. People who made year end purchases to get their credits/sign up bonuses/etc are being told they arent getting it because its posting in their systems are showing after the date they did the transaction and coincidentally on a date to which they lose out on some kind of reward, credit or bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got an auto loan with Ally on a XXXX XXXX XXXX on XX/XX/XXXX. I had an accident on XXXX of XXXX and the car was totaled. My car insurance most of the balance on the car and the GAP insurance paid the rest. For this, the GAP insurance requested ally the balance on the account. Ally provided a " Live Schedule '' ( see document attached ) on XX/XX/XXXX where it says that the balance on the account is {$2700.00}. My Gap insurance made a payment for {$2700.00} on XX/XX/XXXX. I did not hear from Ally anymore, and I assume the balance was set. 
A few months ago, I noticed that I still have a balance on my account for {$130.00}. I tried to contact Ally multiple times requesting an explanation for this, as the GAP insurance paid the total amount last summer. I called multiple time and spent multiple hours on the phone waiting for an explanation, but they always transferred my called to multiple department before hanging up on me. 

Lately, they have been calling me multiple times, even during weekends ( XXXX 's XXXX ) trying to collect the money. At this points it feels as they are harassing me because I have told them to call after XXXX ( CT ) because it will interfere with my job. Also, every time I answer, I have asked them to explain the reason on the balance and they can not provide me one. 
I am really tired of this situation, especially when it is obvious there is a mistake on their end. The GAP insurance paid the amount requested by them so there should not be a balance. Now, if there is a balance, it means they provided the wrong information. Either way is an error by ALLY.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: AZ
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:
I disputed to have JP Morgan Chase Accounts with the account numbers # XXXX XXXX XXXX XXXX & # XXXX XXXX XXXX XXXX, removed from my credit reports on XX/XX/2022 since sending out a letter to Chase. I have noticed that there are inaccuracies on each of the three credit reports XXXX, XXXX, and XXXX. It appears that Chase Accounts were removed on XXXX but not on XXXX and XXXX. Due to these inconsistencies and inaccuracies I would like to report this fraud and have Chase fix this issue as it is tarnishing my reputation and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: National Credit Adjusters, 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: Old information reappears or never goes away

Complaint:
NCA is the bureau name type of account is not reported. Current balance is {$310.00}? 
Last date reported XX/XX/2022. 

However, I have never been contacted on this account. Theyre was a breach with information exposed including my social, date of birth and mailing address. I did have a payday loan over 7 years ago which I settled with speedy cash. But I was never contacted by NCA. Ive called the number provided pre recorded system says they are closed. And to call back at a later time XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: AES/PHEAA
State: CA
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:
This complaint is in regards to the Department of Education 's and FedLoan Servicing 's mishandling of the PSLF program under the Limited Waiver. Numerous borrowers pursuing PSLF are attempting to remove an in-school deferment via the " School Related Deferment Waiver Form '' ( Records Code : XXXX ; Version Date : XX/XX/2010 ). Some, but not all, FedLoan Servicing employees are rejecting these submitted forms, perhaps at the direction of the Department of Education, informing borrowers that the form only applies to pre-consolidation Direct loans. Nowhere on the form, which has not been updated in almost 12 years, does it state that. This is therefore causing a considerable amount of confusion, XXXX and frustration among borrowers. Borrowers do not trust the Department of Education and FedLoan Servicing because of outdated forms ; inefficient processes ; and unclear, fabricated, and misapplied PSLF policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company refuses to show me previous balances.

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 2023-07-19
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
he texted me on XXXX a XXXX merchant platform and asked to buy XXXX worth {$500.00} which I did sell to him I then told him to send the money through PayPal which was the medium of exchange for the transaction which he did this was on the XXXX of XX/XX/2023 by XXXX I got the money few days after the transaction I got an email from PayPal saying the transaction was tagged as an unauthorized transaction and has been refunded. back to the buyer there was no investigation or nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Klarna AB
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 placed an order with XXXXXXXX XXXX online for a {$800.00} pair of XXXX shoes. I used Klarna to pay for this purchase. When I placed an order with XXXXXXXX XXXX, I requested for signature required when sent by XXXX and paid extra for the service. XXXX delivered the package to an incorrect address which we do not where it was delivered to. I reached out to XXXXXXXX XXXX to advise we did not receive the package and they are refusing to refund the money back, or replace the product. I have sent pictures of my front door compared to the front door that XXXX took, Ive sent screenshots where I placed the order for signature required, and a screenshot on XXXX  showing no signature required. Since I could not get a resolution with XXXXXXXX XXXX  I contacted Klarna. Klarna has reached out to XXXXXXXX XXXX and states that XXXX XXXX shows that a product was delivered even though its the incorrect address and they are refusing to refund. Klarna is only going by what XXXX XXXX is stating even though Ive sent them the same screenshots proving that I did not receive the product and they are refusing to take the product off of my credit. I am currently paying this to keep it from going on my credit score But I need a refund for a product I did not receive

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 had disputed these errors in XXXX XXXX and their response did not fix the errors. I am a consumer overstanding my right 15 USC 1681a2 and by law ; its ground for deletetion from my credit report immediately.

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 2018-10-02
Company: Phoenix Financial Services LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputes with the company on XX/XX/2018/. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/2018 and I've yet to hear back from the company. The FCRA gives the 30 days to respond, I have not gotten a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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:
I had an auto-pay account to pay for my Nissan car lease, one day I wanted to update my bank account so i did, after 2 months i realized a late payment on my credit report from Nissan, I called them up to see what was the issue they said they never received the payment on AUTO - PAY i explained to them that i updated my bank checking account and it might something went wrong or it happened that their softer or me missed step to verify the update went through, they walked me through the process to update my checking account while with them on the phone and they helped me set it up correctly, after that i asked if there is a way to correct the error and delete the late payment they refused to remove to late payment on my account, I sent many letter to Nissan and the credit Beaure agency explaining what happened and my attention was never to be late or not to make the payment, i actually paid off and bought the car few months later thinking they might help deleting the late payment but i was disappointed with their reply and with no action what so ever on my end to delete the late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX claims I owe XXXX on a credit that I do not know of.

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 2023-07-19
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been really lucky. They have tried to get credit cards under my name. Unfortunately they have not been able to. The reason why is because my credit score dropped so low I have lots of hard inquiries on my credit report and I like those removed All the credit cards they have applies for have been denied

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 2023-01-09
Company: Client Services, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received a call from XXXX XXXX this morning at XXXXXXXX XXXX from phone number XXXX. They were trying to collect a debt which was paid in full to Client Services on XX/XX/2023. After staying the debt was paid in full I the agent continued to ask me personal questions. I asked why she needed this info since the debt was paid and I would forward an email confirmation to her. She stated that collection efforts would continue until they got the payment. I told her they are not allowed to contact me again and if they do, I will sue them for the maximum amount I can recover. I was them given their email address to forward the conf to : XXXX. 
I believe the time of the call is outside of the allowable times for collection calls and also believe I was threatened with further legal action over a debt which has been paid. Client Services, XXXX, reference number XXXX had been previously handling the account and that's who I made the payment to. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions Inc.
State: TX
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:
During the week of XX/XX/XXXX- XX/XX/XXXX i called EXPERIAN to discuss some incorrect items on the file they have on me, XXXX XXXX a consumer in fact. While on this call i spoke to representative and explained that EXPERIAN had reinserted some accounts back in the spring of XXXX that had been deleted around XXXX of XXXX. I asked the representative why had they not notified me of the reinsertion as stated in The Fair Credit Reporting Act in 15 USC 1682i ( B ) ( ii ) ( iii ) to which he had no response. Then I explained that according to The Fair Credit Reporting Act IN 15 USC 1681b ( 2 ) they can only furnish a report and under no other circumstances according to the written instructions of me a consumer to which the representative told me that title 15 chapter 41 subchapter III is not the law and EXPERIAN does not have to follow it. I then explained that the agent was wrong and can take some time and look up the federal laws I had quoted to which he refused and at times told me to be quiet which to me was highly unprofessional. These accounts have been affecting me for almost 2 years and i've tried several times to address this matter with EXPERIAN to no avail. As a victim of identity theft I filed a report with the FTC sent it in to the appropriate consumer reporting agencies and some of the inaccurate information was removed while others were kept even though they were on the report ( see attachments ). I have been denied multiple times do this inaccurate reporting by EXPERIAN. Furthermore I explained to the agent that according to 15 USC 1681b ( 6 ) due to the fact that EXPERIAN, XXXX, & XXXX operate nationwide they should have removed the accounts just as XXXX AND XXXX did as they had alerted one another in order to keep accuracy on all reports and comply with this law. The agent still said there was nothing he can do and was still speaking to me in a manner that was very disrespectful. The hardship this has brought to me and my family cant be explained in words but i am making that attempt now. I have no confidence nor trust in EXPERIAN as they have willfully and knowingly keep reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and EXPERIAN is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts are : 1. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX 3. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX I have filed a new FTC report to go long with this complaint as well.

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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Names and addresses on report I am not associated with and would like removed to maintain confusion

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