BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have received a Credit Report from XXXX XXXX. Because my information is incorrect for the following : XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX in collection status. The reason why I'm disputing these accounts is because the information that is currently on my report is a violation of the Fair Credit Reporting Act. The information is incomplete and inaccurate. I'm requesting that these accounts are removed immediately. It is a violation of U.S. Code 15 1681i I will be attaching a letter for each Credit Reporting Service, as well as one addressed to the Attorney Generals Office of Tennessee.

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 2019-01-22
Company: Securus J Holdings, LLC
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I used a service call JPay to send my brother, an XXXX  in a XXXX XXXX {$97.00}. I decided to use this service because I had previously used it in the past to send a XXXX  XXXX money which was successful. While on their website I had seen where they started " You can now send money to you loved ones in XXXX XXXX. '' So I continued, I put in his ID number in which it pulled him up so I continued on with the transaction, in which it stated it was successfully sent. 

I got a call on XX/XX/XXXX from my brother saying he never received the money and that I should try to call them. So my first attempt at settling this issue was on XX/XX/2019 a lady i had spoke with told me to call the XXXX  that sometimes they will hold the money. So I called the XXXX  and spoke to a Male who proceeded to tell me that he has never heard of JPay and they only use XXXX XXXX or XXXX XXXX to receive money. 

I called JPay back the same day and told them what the XXXX  said to me, the lady at JPay put me on hold for what seemed like a very long time then she came back and told me that she knows what happened, that it had something to do with his ID number on their end and that she was going to put in a ticket and I would hear back from a manager by XX/XX/2019. XX/XX/XXXX came around I had not received a call back so I called them again. This time I asked to speak directly to a manager in which they never produced a manager. I was told they could not find their manager at the moment. They put in another ticket for me to be called back. I called 2 more times on XX/XX/XXXX after I still had not received a call back from anyone regarding this matter. This time I was frustrated and I demanded to speak with a manager, the lady put me on hold, in which I assumed she was connecting me to a manager. When she came back on she told me that it will take 5-7 days for a ticket to go through. I waited until XX/XX/2019 to call them back. This time I was angry I wanted to speak with to a manager. I wanted my money back. This time I was treated very rudely and hung up on. I never got to speak to a manager and this issue has not been resolved. My brother never received thse money and my account has not been credited back the funds.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes to delete an remove all inaccurate information on my credit report with experian. checking my credit file ive noticed that none of these items are correct on all 3 credit files. this has caused alot of errors on my credit report. this is my 2nd attempt an I am interested in action being taken. please review an remove all listed items to fix my credit report asap.

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 2023-09-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXXXXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXXXXXX XXXX XXXXXXXX XXXX. My Address : XXXX XXXXXXXX XXXX XXXX Tennessee XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, Tennessee XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Enclosed XXXX copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2023-09-10
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I wrote a letter to check and verify these accounts for a 100 % accuracies and completion if not under the fair reporting act please delete. 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

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2021-08-19
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had this loan with XXXX XXXX and it was transferred to First Mark Services in XXXX. Since then, I've had several issues with FMS doing whatever they felt was needed without asking permission. They've changed the terms of my repayment without notification or asking. I submitted a prior CFPB complaint when this happened. I also noted in that complaint that FMS 's actions violated my contractual agreement with XXXX XXXX and potentially nullified the contract itself. On XXXX I called in and spoke with XXXX about my monthly payment suddenly changing from {$170.00} to {$120.00}. XXXX told me that every XXXX the loan was reamortized which resulted in ~ $ XXXX/month reduction. She also claimed this is something that happened with all servicers in XXXX, but is not something I dealt with previously. Once my loan was set at a fixed interest rate and term - there should be no reason for my monthly payment to fluctuate. This is not the first time FMS has stepped outside the original terms of my contract, therefore I am reserving my right to declare this contract null and void. I had to call back and read this over a recorded line to XXXX for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
am a victim of both the XXXX and XXXX data breaches. I have experienced frequent fraud accounts since! If these accounts are not removed immediately, i will be filing litigation against all 3 credit bureaus ASAP!

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 2023-09-10
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 RE : Social Security Number : XXXX To Whom It May Concern : I XXXX XXXX XXXX, A real human being in the flesh mind body and soul writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Full Address : XXXX XXXX XXXX XXXX, XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Page 26 | 43 Please send an updated credit report once the changes are complete to my contact information listed.

My contact information is as follows : Name : XXXX XXXX XXXX SSN : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX Sincerely, XXXX XXXX XXXX Enclosed : copy of State ID and Utility bill showing proof of address SEE ATTACHMENTS!

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 2023-01-15
Company: JPMORGAN CHASE & CO.
State: CA
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 was incorrectly overcharged by {$1200.00} by merchant XXXX XXXX on XX/XX/XXXX, and have an email from XX/XX/XXXX where the merchant agreed I was overcharged by {$1200.00}. The merchant said they would issue money back and I asked them to resolve via the Chase dispute process based on advice from the bank. Chase denied my claim on XX/XX/XXXX so I provided the merchant documentation to Chase and reopened the claim on XX/XX/XXXX but they denied it again on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. This amount ( XXXX ) owed are no longer outstanding for the following items : Party Owed : I XXXX XXXX Amount : {$800.00} I am disputing this claim because I have NO knowledge of this account. It is FRAUDULENT and I am requesting that it be removed IMMEDIATELY! This is my official request to have the aforementioned item to be deleted off my credit report.

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 2023-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called me 7 times at XXXX XXXX  on XX/XX/23. All seven calls were made in less than a minute. I had also previously told them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I inquired about the latest possible date to cancel my American Express Platinum card to avoid being assessed the {$550.00} annual fee. I was originally told that I could cancel the card up to 30 days past the anniversary date of the card. I wanted to use the airport lounge access that comes with the card on an outgoing flight of a trip that was going to occur around the 30 day mark, so I called once again On XX/XX/XXXX to verify what the exact cut-off date was. On this call I was notified that the annual fee would be prorated and returned at any time that I cancelled during the year term. I decided to keep the card for the 2 week duration of my trip to take advantage of the airport lounge access and cancel the card upon my return. When I called to cancel the card, I was told that I was given incorrect information. The customer service department said they would review the call and correct the problem if they could verify that I was given the false information. When they got back to me, they told me that they had no record of the call on the XXXX, only the previous call when the 30 day time frame was given. Further more, they told me that there is no way that a call would be missing from their computer logs. I offered to send them the record from my cell phone or from my cell phone provider that showed the call date, time, and duration. I was told that they would not accept this as evidence that the call took place, and reiterated that there was no way possible that the call could have happened and not been in their system, essentially accusing me of lying about the call. I have attached the screen shot from my phone that shows the record of both calls. I am absolutely astonished that they have handled this is such an unprofessional manner, as they have always provided good service outside of this event.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-19
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I reached out to Ally Bank Auto Loan Dept in XX/XX/2021 letting them know of financial issues we were experiencing due to the pandemic. I notified them that we were late on payment due to that and we were still in need of assistance. They were able to complete a loan payment extension for other months, but still reported my account 30 days past due for XX/XX/2021. This has impacted my family to extent that is unimaginable. We cant get refinanced on our home ( cant afford payments after pandemic employment changes and pay changes ) due to this late payment reporting. I reached out several times and all customer rep with exception of one was able to reach to management. All other stated I would get a call back. No call backs. I tried to reach Ally Bank to file a complaint nobody could help me. We have never been late on our payments, and they would not complete a good faith exception due to pandemic for negative credit reporting. These companies need to take that into consideration, all facts on the account and current situations.

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 2023-01-15
Company: Simon's Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There are debts that appear on my XXXX  credit report for companies that I have never been contacted by. I have received absolutely no phone message, emails, or letters in the mail regarding any of my medical debt. 
XXXX XXXX XXXX Simons Agency Inc Neither of these companies have contacted me in any way regarding the debt that appears under their name on my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: Early Warning Services, LLC
State: NV
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:
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX I'm a victim of ID Theft and I have sent XXXX  a copy of my ID Theft police report. 

These two accounts are listed on my XXXX  report do to ID Theft. The last Four digits associated with these 2 accounts does not match my Social.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 sent the letters on XX/XX/2022 and I'm hoping that this issue I'm having would be resolved by now but the company obviously won't act unless I seek help from consumer law experts. There are a lot of inaccuracies and errors in my report so please look into it.

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 2019-07-10
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I've already spent 3 months working directly with American Express to attempt to resolve this issue, and they continue to deny responsibility. 

AmEx offers bonus miles / points when you refer a friend to one of their credit card products, and the referee is approved for that credit card. I made ( 5 ) referrals dated starting in mid XXXX during a promotional period where the referer ( me ) would earn XXXX miles per referral. Instead, American Express awarded me XXXX for 4 out of the 5 referrals ( These miles were received in my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2019 ). 1 of 5 referrals did, indeed, earn the XXXX bonus miles ( these miles were awarded to me on XX/XX/2019 ). 

I've provided them all the necessary data to show that I was eligible for the additional points, and they continue to deny. I screenshot the offer and submitted that at their request, too. Still, they deny.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I contacted the bank to inform them of an item that was purchased on my from my bank card for {$7200.00} from XXXX XXXX store bank in XX/XX/2020. I have not received the sofa from the XXXX It had taken so long, I decided to cancel and get a return from the store for the XXXX The store said they would not refund the money even thought the return policy said I had seven months on a return policy. At this point I don't have the sofa or my XXXX dollars I paid for the sofa. In addition, the sofa displayed on XXXX XXXX 's web sight was supposedly restored completely, but the pictures that was email to me of the sofa, was a used sofa. The sofa is used, It was miss-represented.

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