BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-04
Company: Student Relief LLC
State: WA
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:
The company XXXX XXXX XXXX called and left me a message today XX/XX/XXXX, stating it was in reference to my student loan and that they needed to discuss payment options with new changes that were taking effect. This was a very misleading message I received and my loan payment is due in a week and a half so I thought I needed to call back and make sure my payment was fine. When I called back I spoke to XXXX, he stated that XXXX has a lawsuit pending against them by the government for giving out loans and offering low monthly payments that would never apply to the principle. This made sense to me given the fact that I have had my loans for almost 20 years and I still have come no where close to the principle amount. XXXX then said that his company worked with the department of education and they were given a list of students with current loans to contact them and help them with their debt. He told me that he sent me an email to help look into my account and I needed to give him the number provided in the email. I stupidly gave him the number and asked him why is this email say it is a password change and it is coming from FSA? He told me not to worry that email was from him and he would be able to access my loan information to help me out. He then changed my password. I though it was all really fishy sounding but I still gave him the number it was all confusing and I had never logged into FSA prior so it did not click what was happening at first. He then proceeded to talk about all 6 loans I have the dates amounts ect. He told me that his company would put it on a 10 year payback plan and complete wipe out the rest of the amount when this was completed. I told him that I wanted to research his company and not make any decisions until this coming Tuesday. XX/XX/XXXX. Upon further inspection, I found there website to look very fictional, the content listed on the site made no sense, not to mention it was built with XXXX  photos. XXXX is there web address. I also found them listed on the XXXX  for fraud. I then luckily went to FSA site and changed my password so they could not access my information any longer. I also called my loan provider and let them know the situation which brought me here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting 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 have not initiated any transaction with any of these companies as listed : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with any of these companies for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Secondly, 15 U.S.C 1681 ( i ) 7 states that A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

I am demanding an expedited reinvestigation. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : US DEPT ED XXXX Balance : {$1400.00} US DEPT ED XXXX Balance : {$3200.00} US DEPT ED XXXX Balance : {$1800.00} US DEPT ED XXXX Balance : {$2400.00} US DEPT ED XXXX Balance : {$2500.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$4100.00} US DEPT ED XXXX XXXX : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$650.00}

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 2023-10-20
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
Initially applied for XXXX on XX/XX/24. Plan shows pending and have been unable to get in touch with Nelnet to have the new IDR payment applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I tried to apply for XXXX XXXX XXXX XXXX XXXX from Chase, but I keep getting the same error message " You are not eligible for the new cardmember bonus because you currently have or had a XXXX XXXX XXXX card from XXXX XXXX or a XXXX XXXX card from XXXX XXXX, as described in the eligibility criteria. " And my application got automatically denied. However, I do NOT have these cards as indicated in the error message. Please ask Chase to fix their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section XXXX : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-05-10
Company: JPMORGAN CHASE & CO.
State: MA
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:
The last week of XXXX I called Chase Bank to advise them that I would be using my charge card on a trip to XXXX and that I would specifically be using it for a car rental. I asked if I could do that and asked if the card provided me with collision protection insurance for the car rental. I was told yes, I could use my card in XXXX and that one of its benefits was that it provided collision insurance on car rentals. I arrived in XXXX about a week later on XX/XX/2023 and when I went to pick up my car rental and tried to pay for it with my Chase charge card, the charge was declined. I thought surely that was a mistake because I had already cleared with Chase and very specifically told them I would be using it for this exact purpose but when the care rental agent tried the card again, it was again declined. I think he tried it 3 separate times and each time is was declined. I tried to call Chase on the spot to get it resolved but was not able to get through to the XXXX phone number on the back of the card. I was traveling with 4 other people and we needed to rent the vehicle and be on our way so one of my travel companions offered to put the charge on her credit card but, unfortunately, her card did not offer the collision protection insurance so we were forced to buy the insurance from the car rental company for the amount of XXXX XXXX which is approx {$580.00}. It wasn't until XX/XX/XXXX that I was able to get through to somebody at Chase to get resolution on the security block on my card. However, it was too late at that time to do anything about the insurance that we purchased in order to dive away with the car on XX/XX/XXXX. When we returned the car on XX/XX/XXXX, I was able to transfer the car rental charges from my travel companions card on to my card but again, was still on the hook for the {$580.00} that I would not have had to spend had Chase not made the mistake in the first place. I've contacted Chase several times ; have spoken to several representatives ( one of them even hung up on me ) and the conclusion for each is that there is nothing they can do for me. If they had honored the charge, which I had previously and very specifically told them I would be making, I would have not been in the position of having to pay this expense so I feel that because I did everything right, especially in notifying them of my intentions, and it was their mistake that caused me to incur this expense, that they should reimburse me for the amount of this expense which is approx {$580.00} based on current euro to dollar exchange rates. Can you please help me to get Chase to do the right thing? Thank you! XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: EQUIFAX, 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:
My credit report is reporting XXXX XXXX  incorrectly reporting late payments inaccurately i sent this to XXXX and equifax and have yet to see the inaccuracy deleted or updated, this is dragging my credit score down. i need this deleted as soon as possible its unfair. its an inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: MO
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 have been in dispute for quite sometime over the following items : NONE OF WHICH HAVE BEEN BOTH VERIFIED AND VALIDATED NONE OF THE NECESSARY PROOF OF VALIDATED AND VERIFIED CLAIMS HAS BEEN PROVIDED TO ME, THE CONSUMER. 
NONE OF THE PROPER CONSENTS ( SIGNED BY ME ) TO FURNISH THIS INFORMATION HAVE BEEN PROVIDED TO ME XXXX Closed Acct, -Closed Alleged Late Payment : XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX XXXX : : Alleged Late Payment XX/XX/XXXX -XXXX : Alleged Late Payment XX/XX/XXXX -XXXX : : Alleged Late Payment XX/XX/XXXX XXXX XXXX XXXX : BALANCE {$480.00} BALANCE UPDATED XX/XX/XXXX I have disputed these claims and informed them of violations within reporting these items : 15 U.S.C 1692 15 U.S.C 6821 15 U.S.C 1681B I DID NOT CONSENT NEITHER PROVIDED NOTICE TO REPORT ANY ACCOUNT STATUS/INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regard to the incorrect/unauthorized items listed on my credit report. It has been well over 30 days, and I have not received any investigations results/updates.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-04-22
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:
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 about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian is obtaining and reporting information and without my written consent.

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 2023-05-10
Company: Atlanticus Services Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have gotten several emails welcoming me to Fortiva, stating I have a payment scheduled for {$99.00}. I have never heard of this company, and I havve one credit card in 4 years or more. 
When I called I was asked to supply last 4 of my SS, zip code, first and last name. When she was not able to find an account under the last 4 of Ss number and zip code I refused to provide more information that may allow an account to be linked to me via fraud. I also called from a phone not registered to me as I suspected it to be fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
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:
Unauthorized purchases were made against an XXXX XXXX XXXX XXXX XXXX  Charge Card.The Case Number for all of the Fraudulent transactions is : XXXX. 
XXXX. XXXX XXXX XXXX # XXXX - {$240.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX  XXXX XXXX MD - {$250.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX - {$210.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX - {$100.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX # XXXX - {$32.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX # XXXX - {$60.00} - Purchase Date - 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 explanation
Consumer complaint received 2023-10-20
Company: FIRST PORTFOLIO SERVICING INC
State: MN
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:
Attached is a letter from XXXX XXXX  for proof of payment of my First Access credit card account. I have sent payment to First Access Card and paid my balance in full. My closed First Access credit card account is paid off. Full Name : XXXX XXXX XXXX, XXXX : XXXX  XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: GEM Financial
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
REM financial is not willing to give me any information about my collection. I have called multiple times to try to get the matter resolved and they will not give me any information and suggested I get an attorney, I also was threatened with a law suit over the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Experian Information Solutions Inc.
State: CA
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 am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on XXXX XXXX score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to XXXX, XXXX, Experian on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?

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 2023-05-10
Company: Resurgent Capital Services L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Collection account was added to 3 reporting agencies on my credit report by LVNV FUNDING LLC. I sent two [ 2 ] debt validation letters on XX/XX/2023 and on XX/XX/2023 to LVNV Funding LLC. / XXXX XXXX XXXX. The company failed to validate the debt and instead sent me a drafted statement claiming I owe in the amount of {$1800.00}. LVNV Funding LLC. is still being reported on the 3 credit reporting agencies ( XXXX, XXXX, and XXXX ) after two debt validation letters were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: EQUIFAX, INC.
State: TN
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:
MY PERSONAL INFORMATION WAS COMPROMISED AGAIN LAST YEAR AND MY CELL PHONE NUMBER WAS HACEKD AND SPOOFED AND SOMEONE HAS USED MY INFORMATION TO OPEN UP LOANS AND FRAUDULENT ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND I HAVE A POLICE REPORT ALONG WITH MY FTC REPORT TO PROVE THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT THE NEXT STED I WILL BE TAKING IS TO GET MY LAWYERS INVOLVED TO STOP THIS FRAUDULENT ACTIVITY THAT EQUIFAX JUST KEEPS ALLOWING TO TAKE PLACE ON MY CREDIT REPORTS AS THIS IS THE REASON I MY EQUIFAX CREDIT REPORT WILL NOT ALLOW ME TO USE MY CREDIT FOR BUYING A HOME BECAUSE THERE FRAUDULENT ACCOUNTS THAT ARE NOT BEING DELETED AS YOU ARE IN COMPLETE VIOLATION OF 15 U.S. CODE 1681C AND THERE ARE UNAUTHORIZED INQUIRIES ON ALL 3 OF MY CREDIT REPORTS THAT NEED TO BE DELETED IMMEDIATELY 1. 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 response to consumer: Closed with explanation