BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
XXXX, XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX, that I have never received nor used any credit cards, for the purchases of merchandise, services or for any other purpose. No Purchases or uses have been authorized by or with my consent or knowledge, and no benefit or value has been or will be received by me as a result of such transactions. Furthermore, I have never signed any application requesting the issuance of any said credit card, nor did I authorize any person to use a duplicate credit card issued under the above account number. I declare under penalty of perjury that the foregoing is true and correct.

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 2023-10-13
Company: WELLS FARGO & COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2020-02-04
Company: Colony Brands, 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: Account information incorrect

Complaint:
XXXX XXXX is reporting I Owe {$220.00} on my XXXX  credit report. I NEVER HAD A XXXX XXXX ACCOUNT NOR ORDERED ANYTHING FROM XXXX XXXX. I WILL SUE XXXX XXXX  AND XXXX  IF THIS INCORRECT INFORMATION IS NOT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 2023-03-31
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 2023-07-13
Company: EQUIFAX, 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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXXDate of inquiry : XX/XX/XXXX & XXXX Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I disputed a negative account on my trans union credit report XX/XX/2023 and have made multiple attempts to both credit karma and trans union directly over the past year to no avail. According to credit karma this dispute is till in progress\under investigation with an estimated completion date of XX/XX/2023 yet that date has long ago come and past with no updates. The dispute file number for this is XXXX and the remedy for this complaint is the immediate deletion of this account and all associated information related to it removed from my credit reports. The account holder is XXXX XXXX XXXX and is still reporting with a year long dispute in progress.

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 2023-10-13
Company: CAINE & WEINER COMPANY, INC.
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a credit collection agency that popped up for a {$52.00} debt from XXXX XXXX XXXX Im unsure why, as I havent had progressive for YEARS and I was never once contacted by anybody about any possible past debt nor was I EVER contacted by the collection agency. I was never given a wrote to dispute or an explanation of why or what for. If I didnt have an app to watch my credit I NEVER would have even known they were dragging my credit down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used XXXX XXXX to transfer XXXX dollars to my own personal checking account. Somehow it was transferred to an old closed account that was removed from my bank accounts. I had no knowledge of this account even existing. For a week I have been calling Chase Bank and XXXX XXXX to figure out where my XXXX dollars went. Chase confirmed it was sent back to XXXX XXXX because the account ending in XXXX was CLOSED. I have documentation of them confirming it was sent back. XXXX said it was never sent back. I called today XX/XX/23 at XXXX PM and was finally able to learn it was in fact deposited into the CLOSED account and they will not return the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2020-06-11
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 
XXXX {$120.00}

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 2018-10-19
Company: SYNCHRONY FINANCIAL
State: NY
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:
Syncb/Walmrt inquiry from : XX/XX/XXXX est date of removal : XX/XX/XXXX this is a result of identity theft. 
i paid XXXX XXXX & the credit people to deal with this.

however, This Hard Inquiry is still on 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 non-monetary relief
Consumer complaint received 2022-10-17
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:
My name XXXX 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 2020-06-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have submitted proof of insurance on two occasions to my mortgage services, Shellpoint Mortgage Servicing. Regardless of this fact, the mortgage servicer is insisting on purchasing " lender-placed insurance on [ my ] property..The premium will be charged to [ my ] escrow account. '' I have spoken multiple times with Shellpoint representatives, so there can be no mistake that these needless threats and this unwarranted abuse is intentional. I am afraid that this will escalate to a foreclosure, SINCE THE MORTGAGE SERVICER HAS BEEN COMPLETELY UNREASONABLE AND HAS NO IDEA WHAT IT IS DOING OR IS MALICIOUS.

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 2023-10-13
Company: Paypal Holdings, Inc
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX, Phone number XXXX XXXX ) is repeatedly sending me bill, misrepresenting that they are collecting a debt of {$310.00} that I owed to PayPal ( they are giving a reference number XXXX and Account Number XXXX ). I have reviewed my PayPal account and have also called to confirm with PayPal that I don't have any debt previously or currently. I don't have a PayPal credit card and I only use PayPal to make payments using my bank debit. I have no balance that I owe to any creditor through PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
Company: Experian Information Solutions Inc.
State: NJ
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:
HELLO, I WOULD LIKE TO INQUIRE ON A MAJOR ISSUE I AM CURRENT EXPERIENCING AT THE MOMENT WITH TRYING TO RECTIFY INACCURATE, INCOMPLETE AND DEROGATORY INFORMATION REGARDING CERTAIN NEGATIVE ITEMS ( ACCOUNTS ), STILL REPORTING ON MY CREDIT REPORT. I HAVE BEEN ATTEMPTING TO CORRECT THE IMPERFECTIONS ON MY CREDIT REPORT MORE OR LESS AROUND XXXX OF 2019. NEITHER OF THE THREE CREDIT BUREAUS HAVE PERFORMED A FULLY ANALYZED INVESTIGATION, ALL OF THE COLLECTION ACCOUNTS ON MY CREDIT REPORT DO NOT PERTAIN TO ME AND I AM NOT LIABLE FOR ANY DEBT WHAT SO EVER. PLEASE HELP MY INVESTIGATE THE REASON WHY THE NEGATIVE HISTORY IS STILL REFLECTING. XXXX XXXX WAS NEVER REMOVED OFF OF NEITHER CREDIT BUREAUS, WHEN I STRICTLY ADVISED THEM THAT I AM NOT LIABLE FOR ANY DEBT WITH THEM, THE NEGATIVE HISTORY IS COMPLETELY INACCURATE. XXXX XXXX IS ANOTHER ACCOUNT THAT I AM NOT AWARE OF EITHER. PLEASE ASSIST ME WITH THIS MATTER, I'D GREATLY APPRECIATE 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 explanation
Consumer complaint received 2020-06-11
Company: CURO Intermediate Holdings
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:
I have settled my account for {$800.00}. The balance was {$1200.00}, and the collection is showing that I owe {$430.00}. I have filled disputes.and its coming back as accurate. Thats ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Nelnet, Inc.
State: ME
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am currently dealing with Nelnet for my student loans. I have about $ XXXX in student loans through them for undergraduate and graduate school. 

I have applied twice to switch my plan from my current income driven repayment plan to the new SAVE plan in an effort to lower my monthly payments. My current monthly payment is about 1/4th of my monthly income. I absolutely can not afford that, which is why I tried to switch to the SAVE plan ( twice ). My monthly payments have not changed at all.

I have called and called and called their call service. I have spent hours and hours on the phone only to never be able to talk to someone. I have been told by their pre-recorded line that they are closed, despite their website indicating that they are open. This has to be the worst customer service I have ever experienced. I have tried their online chat system to attempt to remedy the issues, only to be told that I need to call them. 

I am out of options with them. If I am unable to lower my payments I won't be able to pay my mortgage, my car loan, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have the money to pay off the loan. I have been calling the bank since XXXX to pay off the loan but everyone I speak to will not help me settle the loan. They waste my time, put me on hold, transfer me, every single person verifies my identity then transfers me again, I get lengthy messages about how this call is an attempt to collect a debt when it is me calling them asking to settle the debt. I went to buy a truck and there is a USAA charge off showing on my credit for the original amount of this loan. I have had no other credit accounts in more than 7 years. The records I have for the last nine years show only 3 payments applied to principle. I have worked directly with the bank to resolve payment issues to keep the account current. I followed the payment schedule they recommended only to find nothing was going to principle. I nearly doubled my payments so that some of each payment would go to principle yet even with a few large payments to get ahead only 3 payments in 9 year were applied to principle. When I use the on line information to bring the account current and pay more than what shows due the account remains in past due status and nothing is applied to principle. I called the bank to ask how much needed to be paid to bring the account current and still the account was always behind. This bank has called me in the middle of the night, on holidays and six times in a single day while I was at work to harass me about this loan. The balance they asked for to pay off the loan is higher than the current statement balance and barely {$100.00} less than 9 years ago. {$17000.00} today down from XXXX in 2010 and up from XXXX in XXXX of this year. The bank has offered assistance and used that assistance to manipulate this into a never ending loan. I wish to negotiate a reasonable pay off. This started as a XXXX loan to repair the roof and paint the house I purchased. Based on all interactions with this company I can not make another payment on this loan until I have a clear written agreement that the bank will honor this payment to actually settle this debt and restore my credit to reflect the years that I have made payments to keep this loan current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
XXXX XXXX used the credit services provided by XXXX to run his XXXX credit report. 

He was in collections for {$320.00} to XXXX XXXX XXXX, account number ending in XXXX. 

The account was opened on XX/XX/2019, according to the XXXX credit report. 

XXXX hasn't given anyone the go-ahead to exploit his information, and nobody ought to have access to it either. 

XXXX is a victim to 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
Consumer complaint received 2023-11-08
Company: JPMORGAN CHASE & CO.
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:
XXXX issued a charge in the amount of {$260.00} to my account from their member, XXXX. I did not receive any merchandise from XXXX. XXXX reached out to me via XXXX. I responded and advised the merchant to via XXXX they needed to file a claim with the United States Postal Service ( USPS ) per the USPS directive. The merchant did not mail the items from XXXX XXXX XXXX, Signature Required. The USPS could not verify they received the package for distribution to me. I never received the goods or services, yet Chase charged my account back the {$260.00} they originally credited me without notification until I received my statement today. It is not my fault the merchant tried to ship the package inexpensively and not ship Registered Mail, Signature Required. It was likely stolen in transit from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: GA
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 attempts to remove some items from my credit that does not belong to me. I think they are caused by identity theft. I am often out of town or the country for government contracts. Someone may have used my information. I sent a letter to the credit bureaus on XX/XX/2020, but that situation has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
transubion removed most of what you went for except for hard inquirys from XXXXXXXX XXXX XXXX etc can you rey to get these ro thanks

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 2022-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
When applying for my Capitol One XXXX credit card, I was under the impression due to false advertising that I would receive credit increases. On both XX/XX/2021 and XX/XX/2021 I was denied a credit increase. I am a loyal and responsible customer. I spoke with two representatives, one whom is a supervisorboth were no help at all.

Company response to consumer: Closed with explanation