BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights 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 The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, and also these accounts are out of the statute of limitations in Texas, therefore these accounts must be removed asap, they also violated my rights under -15 U.S.C 1681 section 602 A. States I have the right to privacy.

-15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions -15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-03-16
Company: WSFS FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Wilmington savings fund Society and XXXX XXXX XXXX XXXX filed a lawsuit in XXXX XXXX court that seems to be dated back to XXXX of Last year. They stated that I owed this debt, but I had no clue who these people are, and they have stolen my identity and had access to my private information. I have not given them permissible purposes to use my information. I have never spoken to anyone or authorized or had an agreement with Wilmington Savings or XXXX XXXX XXXX. They hired a law firm that goes against the fair debt collections act and is a false representation. Attorneys are XXXX XXXX XXXX located in XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish. an account without my written instructions.

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

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 2023-03-13
Company: Experian Information Solutions Inc.
State: MA
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 XXXX XXXX  Account 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 a 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 2022-03-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
to whom it may concern I'm not sure if I'm filing this complaint under the right category but I really need help with this issue the thing is that I got this personal loan from XXXX XXXX XXXX Bank to purchase a TV the TV was {$1000.00} and now when I received the TV the TV arrived broken I can not use it and I have been trying to resolve this issue since XXXX of 2021 with the creditor they disputed many times but they always faal for the seller because they are a seller friendly company and not a buyer friendly company, and for that reason they are not helping me. I tried contacting the seller directly he never answer my calls or emails and I would like to get a refund for all the money I paid already and for them to stop collecting activities on this account and stop reporting me to the credit bureaus because at this point I can not continue to make payments for this loan because I'm not using the television the television is inoperable and I feel like I'm begging them and they're not helping me at all. I haven't gotten into contact with the seller but XXXX the creditor told me that the seller 's requesting for a return of the TV but the return alone is a XXXX plus dollars I can not afford this and the seller knows that, he have contract with all the courier services and for that reason he pays a little when he ships but me as a regular customer I do not have that luxury. Attached please find pictures of the television that I received.

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 2023-11-30
Company: Comerica
State: CA
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:
On XX/XX/2023 I filed a claim with Direct Express due to charges I did not do on my account. There were XXXX charges from XX/XX/23-XX/XX/23 for a total of {$510.00}. I closed my card and had them send me a new one. They sent me paperwork to fill out the claim which I did not receive for 9 days. I filled it out and mailed it back. While they were doing their investigation I was supposed to be reimbursed the {$510.00} but they did not. When I called them about it they said it was because I did not have my claim filed within 10 days, I told them that was impossible since I didnt receive their paperwork for 9 days. They mailed me a decision that they denied my claim. I called 3 times and emailed them on XX/XX/23 for a copy of their investigation. They finally sent it. On XX/XX/23 I filed a police report after doing some research that recommended I file one. On XX/XX/23 I emailed them the information regarding the police report I filed as well as a write up regarding bogus XXXX charges that was a scam going around hitting peoples credit cards. I have not heard anything back. Please let me know if you need anything else. 

Thank you for your time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Loan Servicer : Aidvantage I tried calling multiple times in XXXX but have not been able to get through to a representative due to long hold times. I also tried sending message online back in XXXX and never got a response. 
I applied to the SAVE program back in XXXX and it was approved through the federal aid site, but my loan servicer has still not provided any update on their end or updated my payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Source : Experian Date Submitted : XX/XX/2021 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXXXXXX I am writing to dispute an incorrect credit card on my XXXX  credit report. 
There is one credit card with late payment from XXXX XXXX  XXXX on my credit report. The account number is XXXX with late payment of {$450.00}. I have contacted XXXX XXXX XXXXXXXX and they confirm this account is not mine. The owner of this credit card has the same name with me, but the birthday and SSN is different. I have tried to dispute with Experian 3 times and they weren't able to remove it from my credit report and has caused many problems for me.

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 2023-12-01
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Greetings, I had a large amount distributed into my XXXX account from my college refund check from my college and I tried to withdrawal it at the ATM but I was able to withdrawal some but not all of it because theres a limit on withdrawing on XXXX. I cashed out the rest of my money into my chase so I can withdrawal it all at once. When I went up there to the branch for some I wanted to withdrawal the money out but they said they cant help me because I didnt remember my pin at the time and I didnt have my 2 proof of ID verification but I came the next day and had my 2 proof ID than they told me my account was suspended out of no where and than I asked them why than they said they need proof on where I got the money from I went to my college and provided all the documents they needed they was able to reopen my account but my money was never able to be received and with out my money I will be in debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Professional Placement Services, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was in lawsuit with Illinois hammer my attorney XXXX XXXX helped me settle with the insurance company they agreed to pay the medical bills along with the settlement they gave me now years later it is showing up on my credit report after years of working hard to establish good credit my attorney has ignored all of my emails now that he has been paid and the collection agency will not even give me proof of the bill the bill amount is {$450.00} cent I've contact both my attorney and collection agency to resolve this and don't know what to do now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-05-10
Company: ALLY FINANCIAL INC.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I purchased this car in XXXX of XXXX brand new. The payment was super high as I had to rollover my old car loan into it. The payment was almost 800 a month. I was able to rewrite the loan XX/XX/XXXX for a easier payment of XXXX a month. I was married at the time and able to afford it. I however became separated early XXXX and then divorced in XX/XX/XXXX I called Ally multiple times to ask for extensions lower payments and even a new loan..I tried to get a different car to get into something I could afford but I was so far behind on payments I was unable to. I love my car and I love my loan company. I have been late with them a few times and they always send me letters to remind me I am late and then it happened 2 times ... The final notice of payment came in mail..I always struggle with finding to pay just the actual amount of the loan and then Seeing the big amount I freak out. I have XXXX babies that rely on me and I need my car. I have put everything into that car. It is worth maybe 14k now and I still owe about 20k ... .I feel as if I am never going to get out of this loan. I need help and am struggling to pay this ... it usually is between food or car.

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 monetary relief
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/XXXX, XXXX Reported a collections account on my transunion credit report in the amount of {$1900.00}. The information is false and the account does not belong to me. It is a fraudulent account and I would like it removed as it is affecting my credit score. Please remove this collection from all 3 credit bureaus as this is not my debt. Thank you

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 2023-07-21
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:
XXXX, XXXX, Experian, and XXXX Credit Card, reported consumers private non-public information without lawful disclosures and authorization from consumer which violates consumer law. All four entities listed above have been notified and failed to comply with consumer laws made by Congress. Consumer has been denied an extension of credit four times and damages have incurred.

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 2023-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/XXXX, the below company made a hard inquiry on my Transunion credit report and I never applied for credit with them. I would like this removed from my report. Thank you- XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2023-03-13
Company: Mr. Cooper Group Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, two years ago, caused 90 % damage to my home. My insurance company XXXX XXXX XXXX became insolvent. XXXX turned my case over to a new company XXXX XXXX. Also, they appointed an adjuster to estimate damages. After a year and a half ( in XXXX it will be two years ) XXXX started releasing funds to begin repairs. A check needed to be endorsed by my mortgage company, Mr.Cooper. They endorsed the check, and I began repairs. The funds were not sufficient to finish repairs, so a supplemental request was made and approved by XXXX and they sent the check and it needed to be endorsed by my mortgage company. They are holding and have been holding the check for since XXXX, we are in XXXX. Mr. Cooper said that they can not release the funds because they do not have the necessary documentation to do so. The adjuster for XXXX says that everything necessary for my mortgage company to release the funds is in the package that I sent to Mr. Cooper, my mortgage company. I have sent an overnight package, with a self-addressed envelope, receipts and fotos of completed repairs. They said it is not enough. I also, faxed the necessary documents by way of XXXX XXXX and still they will not release the check. Their website is not user friendly. I have asked them to please not require me to use their website because it is not user friendly. I have asked them to deal with me by mail and by fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company 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 2018-08-17
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In previous CFPB complaints, Ocwen Loan Servicing and their counsel stated ; " unable to respond to your complaint because your complaint involves the same issues raised in pending or prior litigation ''. 
Now, what agency, company or person has a lawsuit against Ocwen Loan Servicing? What is the state that the lawsuit is pending or had prior litigation in? Are the lawsuits that Ocwen and counsel is mentioning, part of a federal lawsuit? What is/are the case numbers to each lawsuit pending and prior litigation against Ocwen Loan Servicing? NOTE : these questions are NOT part of a pending or prior litigation! This means that Ocwen and counsel will be able to answer these questions unless Ocwen Loan Servicing is hiding fraudulent activity as I stated multiple times in the past!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: IL
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:
These accounts was fraudently opened in my name they are closed accounts I'm uploading proof of identity theft and police report with proof of identity

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