BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX and I am submitting this CFPB complaint as a follow up to the CFPB Complaint I recently submitted. I sent a letter on XX/XX/XXXX to remove the fraudulent accounts and information, specifically : XXXX XXXX XXXX XXXX XXXX, FL 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, VA XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. These accounts and information are unknown to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), as the Credit Reporting Agencies , you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. I have provided evidence to support my claim that these items are fraudulent and do not accurately reflect my credit history.

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 2019-07-03
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: Their investigation did not fix an error on your report

Complaint:
I have attached documentation concerning XXXX XXXX XXXX XXXX XXXX XXXX XXXX Documentation for this account is the # XXXX I have attached the documentation for XXXX XXXX XXXX Account number Start with XXXX The documentation i have attached for this account is XXXX Both of these documentation are letters signed by a judge showing i am not responsible for the debt.

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 2019-03-23
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I attempted to place a temporary thaw on my Equifax credit report in order to apply for a loan. I could not remember my password, so I submitted a request to reset my password through their online system. I answered the questions to verify my identity and requested an email link to reset the password. I never received an email from their company. I tried this same process several times that date and received the same results, many questions but no email reset. The following day, I attempted this process again with the same results. I then called their customer service number to inquire about this problem and was informed that their system was down due to an upgrade. The representative directed me to attempt the password reset later. On XXXX XXXX, I went through the online verification process again, but still received no email. I then contacted their customer service. I was told to try the password reset later because of system problems. On XXXX XXXX, I was still unable to access my account or obtain a password reset. Several times over the following days, I attempted to resolve this issue via email reset requests and phone calls. Finally, on XXXX XXXX, I contacted Equifax via phone, completed the verification process verbally, and was informed that though I had correctly answered the questions and verified my identity, I could not reset my password because my request was being investigated by Equifax. However, the representative could not explain why my account was being investigated. I dont know what is going on or why Equifax is not allowing me to reset my password, access my credit file, or investigating me for a simple password reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EdFinancial Services
State: TX
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:
On XX/XX/XXXX, I applied to continue my service in the XXXX XXXX XXXX XXXX as a dentist, and therefore receive a {$20000.00} award to apply to my qualifying federal student loans. As part of that application, I was required to submit documentation proving that I applied the totality of a past {$50000.00} award to qualifying student loans in the past. 

At this point I logged into my Edfinancial account only to find that nearly my entire payment history had vanished. I tried to call their customer service line, and due to call volume and long wait times, I set up a call back ( which I never received ). I also submitted an inquiry via email. In the meantime, I was able to identify when the payment was made by digging through my old bank statements. I included the relevant bank statement in my award application rather than any sort of documentation from Edfinancial. 

Finally, on XX/XX/XXXX, I received an email from Edfinancial. This email included what appears to be a full payment history for my account, including, most importantly, the {$50000.00} payment that I made toward my student loans on XX/XX/XXXX. However, this information arrived via a simple, copy-and-pasted chart in an email, rather than in any sort of official document. Regardless, I sent this information to XXXX ( in charge of the XXXX XXXX XXXX XXXX XXXX ) and within a day I received a response that this information was still not eligible. In reality I need official documentation including the following information as it applies to that single, {$50000.00} payment : Lenders name Account holders name Account number Date of payment ( s ) Amount of payment ( s ) I have reached out to Edfinancial requesting this information again via phone and email, but I have not yet received a response. Most disheartening, if I don't have this document by XX/XX/XXXX ( less than two weeks from now ), I will lose my eligibility for the program for this upcoming year and I will forfeit my {$20000.00} award through no fault of my own. I will likely have to leave my non-profit, public health job and join a private practice in order to continue making my student loan payments.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
JP Chase Charge off a debt and then sold the debt to XXXX XXXX XXXX. 

I open an account with JP Chase in 2013 with a balance transfer. Chase never sent me a billing statement. At the same time, I opened a bill payer with XXXX XXXX to pay JP Chase every month for {$100.00}. The plan was to modify my payments to payoff the debt before the grace period ended. I forgot about Chase because I never received any billing statements by mail or electronically, but the XXXX XXXX payments were sent every month. 

Chase Charged off the debt and sold to XXXX XXXX XXXX. The {$100.00} payment were still going to Chase even though they sold off the debt. My credit report still reflects that Chase is the holder of the debt, no mention of XXXX XXXX XXXX. Chase never notified me the debt was Charge off or sold to XXXX XXXX XXXX. Chase has been receiving my payments for years and then sending them to XXXX XXXX XXXX. 

I only found out about XXXX XXXX XXXX because I answered the phone after persistent calls to stop the calls. 

It is my understanding that JP Chase is required to notify me of the Charge off and requires my sign of to sell the debt to XXXX XXXX XXXX. None of this occurred. JP Chase is still reporting debt even though it has been sold to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: EQUIFAX, INC.
State: IL
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:
In XX/XX/2018 I contacted Equifax in regards to an account namely : XXXX XXXX XXXX XXXX XXXX, which appears on my credit file. This is NOT my account and I have made several attempts to have this item block from my credit profile. 

I have suppressed my personal information with XXXX XXXX and I have corresponded with the circuit court of XXXX county, AL which indicated in a letter to me that they do not report information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2021-09-10
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: Was not notified of investigation status or results

Complaint:
There is an account reporting on my credit report that does not list the name, address, or telephone number of the furnisher it just lists the account # XXXX open date of XX/XX/XXXX, the balance of {$110.00}, and notes that remark that this is a medical debt. According to my research each company that reports to your credit report should provide the consumer with information to contact them.On XX/XX/XXXX I sent a letter to the credit bureau to notify them that this was an unknown account without credit contact however I have not received any response from the credit bureau and the account continues to report inaccurately on my credit report. Please see the attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: OH
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 Act, XXXX XXXX XXXX XXXX, Acct * XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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 2023-07-25
Company: Kikoff Inc.
State: NY
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 submitted a dispute to XXXX concerning the inaccurate credit limit for my XXXX account with Kikoff Lending. XXXX sent me a copy of the results of my dispute. The credit report sent to me, showed that the wrong credit limit was being reported by Kikoff Lending, or XXXX themselves. I emailed Kikoff Lending several times now with no response. Kikoff Lending has no phone number to call, so I sent Kikoff Lending, and XXXX the documentation proving that my credit limit was raised on XX/XX/. I called XXXX, and the agent said that Kikoff Lending submitted a report in response to my dispute, and that Kikoff Lending says that they are reporting the credit limit as accurate, which is untrue. I will be submitting documentation to you proving that the dispute to XXXX yielded inaccurate information. If you look at the " Historical Account Information '' from the report from XXXX, in the second box down for XX/XX/ entry it shows the correct amount, and then XXXX changed it back to the old credit limit. No other credit bureau is reporting inaccurate this credit limit wrong, just XXXX, who has a history of providing false information verbally and submitting false credit report information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: AMERICAN EXPRESS COMPANY
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:
American Express bluebird is making this hard on me, the seller never shipped the items and told me it would be delivered XX/XX/2018 at his word. He never sent me the tracking number. I do not get this solved or my money back, I mean it is only {$30.00} and I have always been a loyal consumer and this was my first dispute. It was never delivered I do not have any delivered date except for a screenshot of him saying it would XX/XX/2018 at his word. I have bills that need to be paid soon so I need this solved soon and get a credit added to my account. I sent documentation after documentation and they are taking forever to get this fixed. My other bank that did only took 7 business to get fixed. I love the service, but I just need the {$30.00} credited to my account and get this resolved. It has been 22 days including business days and nothing after I submit good proof to get this resolve fast.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
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: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

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 2022-08-23
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I was contacted by a collection attorney claiming that I took out a loan with a company ( XXXX XXXX ). I did not initiate this loan. I have not seen any documents with my signature or proof that I accepted the loan. Now the collection attorney is trying to garnish my wages to pay for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, my insurance with USAA was cancelled due to non-payment. This is a request of validation of debt and authenticated statement of account associated with USAA member no. XXXX. I have tried to resolve this issue multiple times with the Financial Institution. There is a claim of debt being owe to USAA when that is inaccurate reporting. As a Financial Institution, USAA is obligated to the Truth in Lending. Full disclosure was not given to the consumer that the original application of credit was payment for an open-end account. Every application is a letter of credit, as defined in UCC 5-104. A letter of credit is authenticated by signature. There is no payment required. I became a member with USAA in XXXX and I have made payments in good faith to ensure that the insurance policy would stay active. USAA never disclosed that it was a financial institution. USAA never disclosed the Truth in Lending Act. USAA has taken payments from the consumer and pursuant to 15 U.S.C. 1692 ( h ) I demand that all payments made to USAA be returned to the consumer IMMEDIATELY. USAA has used my social security number which is a credit card pursuant to 15 U.S.C. 1602 ( L ), and I have not received any benefits from the use of my credit card. USAA is acting as an unauthorized user ( 15 U.S.C. 1602 ( p ) ) of my account by utilizing my credit card and that is a criminal liability pursuant 15 U.S.C. 1611 for willful and knowingly committing fraud. This correspondence, administrative process, serves as Notice of Service to, USAA, and Notice of Intent to resolve this matter in a court of competent jurisdiction pursuant to 15 U.S. Code 1692 ( k ) if actions acceptable to the consumer, pursuant to law, do not occur within the allotted time. I, XXXX, XXXX, is a natural person, consumer pursuant to 15 U.S. Code 1692 ( a ) ( 3 ), and creditor pursuant to 15 U.S. Code 1692 ( a ) ( 4 ). I extended my credit to USAA, please show me a corrected copy of the 1099 that is to be filed by the Financial Institution quarterly. The statement of account should be an authenticated record from an accountant and not a billing statement. Being that credit is the only true monetary source of any transaction, there should be no billing statement whatsoever. Remittances are not being accepted by USAA. The APR is to be applied to the unpaid balance. USAA refuses to do so. I demand that my policy be reinstated, and I demand that payments made in good faith be returned IMMEDIATELY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: AZ
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2022-09-16
Company: Experian Information Solutions Inc.
State: IL
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:
The following accounts were charged off and since then the accounts have been repeatedly updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should not include an active payment history. I would like to add this falsely manipulates the statue of limitations. I'm demanding an immediate deletion of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a violation of the FCRA and I'm entitled to monetary compensation. I'm asking for the removal of all inquiries as they are not permissible and I haven't given these companies permission to have obtained my credit report : 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 Inquiries that aren't permissible must be deleted off credit reports and don't require an ftc or police report per FCRA.

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 2022-10-12
Company: AES/PHEAA
State: FL
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:
I went to XXXX website and applied for a consolidation loan for my privately held FFELP student loans held by AES. Both originated in XXXX. We are legally able to consolidate privately held FFEL loans. 

AES is refusing to allow the consolidation. XXXX is not responding to the consolidation application that was sent by the student aid website. 

I need my FFELP consolidated. I applied in early XXXX before the federal government made the deadline cutoff for this consolidation of XX/XX/XXXX. I made the application before this time in early XX/XX/XXXX. I DO qualify for consolidation AND FORGIVENESS into federal direct loans. 

Please force the banks and servicers to comply with federal law and allow this consolidation. That would be very nice. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received the credit card and never used it I was out of country when this was happened XXXX XXXX XX/XX/XXXX to XXXX XX/XX/XXXX .when I came back I received phone calls and letters about the debt.I wrote letters to the company that this is not my debt I want to dispute the validity of this debt .They place a hold on my checking account due to judgment.The default dates on which the balance became due is XX/XX/XXXX when I was out of country. 
Original creditor : Washington Mutual Bank Account XXXX Creditor : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1861 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Company response to consumer: Closed with explanation