BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
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:
This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 2019-03-26
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:
Wife received phone call from XXXX XXXX claiming an old XXXX bill was owed. She advised them please send all billing statements from the first time the account was opened so we could go over what bills were paid and what bills were not paid. Associate claimed they would send the information so we could verify the billing was correct. We moved all lines from XXXX XXXX or XX/XX/2018. All numbers were ported to XXXX with all phones from XXXX being paid off ... .. XX/XX/2018 XXXX placed collections account on Credit report without verifying information. XX/XX/2018 Sent a verification of debt letter to XXXX XXXX and disputed claims with all 3 credit bureaus. Three credit bureaus came back as information was verified. nothing received from XXXX. Mid XXXX after the 30 Day sent another letter for XXXX to respond within 15 days ( allowing 45 days for them to send billing information ) ... .. Today is XX/XX/2018 Nothing has been received from the credit collections company. This has already been sent back to XXXX once before due to another collection agency being told and shown it was paid off. I want this removed from the credit report and all three bureaus updated. XXXX XXXX, XXXX and Experian all used the actual E-Oscar Verify which always shows an amount is verified.

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 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My Student loan account is on a forbearance, no payment is due while the account is being consolidated. My account is showing a past due amount due for the months of XXXX and XX/XX/XXXX. Please remove the negative credit rating from those two months. No payment is due on this account until XXXX XXXX. 

My account has never been late, I have never not paid. The account is on a forbearance please correct my credit rating.

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 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
TRANSUION ONLINE CREDIT DISPUTE IS UNUSEABLE AND DIFFICULT GIVES NO OPTION TO FILE DISPUTE IN THE DISPUTE FILE SYSTEM OTHER THAN ADDRESSES, NOT ONLY IS THE SYSTEM OUTDATED AND DISFUNCTIONAL, THE REPORTING METHODS THEMSELVES ARE OUT OF DATE AND DO NOT MATCH EVEN REMOTLY CLOSE TO THE XXXX AND XXXX SYSTEMS WHOM HAVE NONE OF THESE ISSUES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Earnest Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
To whom it may concern I am writing in reference to what I feel are unfair lending practices with Earnest LLC Operation Company. In the wake the financial difficulty in relation to the COVID 19 pandemic, companies should not be allowed to create financial hardship for those who are already struggling finically On XX/XX/XXXX I received an approval to refinance a XXXX  loan that is in my ex-husbands name Prior to this approval, I never indicated that I was the primary borrower of loan, at the request of the companies representative provided the divorce decree as proof that although I was not the original borrower, I was legally responsible for repaying the loan and in no way misrepresented myself After reviewing the information provided the company extended a loan offer on XX/XX/2020 which I reviewed and signed in XX/XX/2020 The company is refusing honor the loan agreement post-approval because I am not the primary borrower I have spoken with several representatives with the company without success. I contend that if the situation has been reversed, this company would have consider this a legal and binding agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: IL
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 have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

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: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$840.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was under the impression my Federal Student Loans were not accruing interest due to the Pandemic. I logged in XX/XX/21 and found I had accrued {$3000.00} interest from Group A and B loans from XXXX. I emailed Nelnet to remove the interest immediately and they responded stating my loan was originated as a part of the Family Federal Education Loan ( FFEL ) Program by lenders other than ED and didn't qualify for interest suppression. This is a Federal Student Loan! I became angry and paid off Group A loan on XX/XX/21 for {$25000.00}, and remaining principal {$7.00} on XX/XX/21. That savings was in case I became sick with COVID or lost my job due to the Pandemic. I need this investigated. I want the interest I paid during the Pandemic credited to my remaining loan, which is also accruing interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: JPMORGAN CHASE & CO.
State: SD
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:
Chase-Slate credit card : Transactions : XX/XX/2022 XXXX {$590.00} XX/XX/2022 XXXX {$390.00} XX/XX/2022 XXXX {$390.00} I purchased the service of creating a working website from XXXX within 2 weeks of XX/XX/2022. I was in communication with various people, mostly XXXX, at XXXX frequently. A non-working attempt was presented to me on XX/XX/2022. The entire purpose of this website was to receive hopeful future customers when said customer completed the " contact us '' area and submitted their info to our email. This never could work and I spent multiple calls trying to get this functional. XXXX indicated they had this problem with many clients. However, they couldn't get it to work. I asked for reimbursment to which I was declined. I then disputed all charges with the 2 credit card companies I used. Bank XXXX XXXX VISA immediately reversed charges without difficulty. Chase VISA asked for documentation which I provided. They declined disputes indicating it wasn't a billing error, nothing pertaining to the complete lack of product/service that was purchased. I again disputed and sent in documents again-this time to numerous Chase employees that should be concerned and again this was declined with a final note that any future correspondence regarding this issue will be ignored. I have a complete file of documentation now plus I've sent you by mail a good majority of it. You responded to my email indicating to submit on line. Please refer to ALL the good documentation I sent by mail to back this up. This is not right, I have nothing to show for this {$1300.00} plus interest which I have finally paid because I didn't want interest to grow anymore... Please help this receive justice and what is correct. Please don't allow this company to take advantage of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: Santander Consumer USA Holdings Inc.
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, there was an accident insurance claim filed with our insurance company. Around XX/XX/XXXX, or so there was an insurance check sent for the damages to my XXXX XXXXXXXX XXXX XXXX in the name of my husband and Santander Consumer Finance. We were told to send to them and then it would be sent back to us so our car would get fixed. Today is XX/XX/XXXX, my car never got fixed. We compiled with everything Santander ask from us. They wanted estimates from both the insurance company and the body shop. We got them that. They also ask for some form called a XXXX from the body shop ; as far as I knew they receive that also. My husband called them several times to complain and got know except excuses and the check was still in the account department. I call them today and they tell me that its past the date of the claim to be opened and they never received a final invoice that the car was fixed or the XXXX. How was I supposed to get my car fixed when they had my check? And the estimate was actually {$6500.00} in damages. Ive never been to a body shop where they do work with out an insurance check first. They took my insurance check and put it on my car loan and my husband never even signed the check. Hows that legal. And my car not fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Firstly, thank you for taking your time to review this and I understand my complaint is just one of hundreds that you guys read on a daily basis. 

I was checking my credit report because my little family and I are looking to buy a house for the first time, that's when i noticed i have derogatory mark that shouldn't be on my credit report. 

Derogatory Mark Info : 1 ) The original creditors name - XXXX XXXX XXXX 2 ) Account opened - XX/XX/XXXX XXXX ) Account Status - Open 4 ) Remarks - Placed For Collections 5 ) Amount Owed - {$930.00} Back Story : Back when I was in school, I was irresponsible with my credit because i made a purchase at XXXX XXXX XXXX for my brother. I put a XXXX XXXX TV and surround sound system on my credit for his living room because he told me he would make the payments. Later on, my parents and I found out that he sold the TV and Surround Sound System to by XXXX. This was hard news for me because my own brother was XXXX to XXXX and hurting the family, so my parents put him into XXXX  in hopes that he would get clean. He has been in and out of XXXX and is still fighting XXXX. 

I apologize for unloading this XXXX story on to you but this issues has been haunting me in more ways then one. 

Conclusion : 1 ) I made the XXXX XXXX  back on XX/XX/XXXX 2 ) I have already payed off these debt collections 3 ) I gratefully ask this negative remark to be removed from my Credit Report Thank You, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-06
Company: World Acceptance Corporation
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: Account status incorrect

Complaint:
I recently was reviewing my credit report and came across a debt that I did not recognize from the creditor World Finance Corporation, based in XXXX, Missouri. While I did live in XXXX, Missouri, I have no association with this debt. I sent them a letter in the mail demanding verification of debt and all of the information that is required for them to provide in accordance with the FCRA. Two weeks went by and I received a letter back, of which you will find a picture in the attached files of ... stating that the address was undeliverable. Upon further research, they are no longer and entity. They would be unable to verify these claims of debt and there is simply no way for me to know where this debt came from and why it's on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
Company: JPMORGAN CHASE & CO.
State: FL
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:
In XXXX, XXXX my wife and I submitted a claim against Chase Credit Cards in the amount of {$10000.00}. ( {$7300.00} on my Chase Freedom Visa and {$3000.00} on my wife 's Chase British Airways VISA ). We are both senior citizens on fixed income. These 3 charges were all related to a XXXX XXXX XXXX  who fraudulently charged us a total of {$17000.00} on 3 credit cards XXXX XXXX XXXX  XXXX XXXX ( mine ), Chase Freedom Visa ( mine ) and Chase British Airways Visa. ( My wife 's ). They opened 2 credit cards in my name- Chase Freedom, and XXXX XXXX XXXXXXXX XXXX. In XXXX, XXXX, XXXX XXXX XXXX agreed that it was fraud and refunded us {$7300.00}. Chase refused, because they said that the documents were in order and there was " no billing error ''. I spoke to XXXX at Chase Executive Office in XXXX, Ohio that I would be refiling in XXXX of XXXX for fraud at the end of the contract. 

Just today I learned that the company involved, Consumer Law Protection Group of XXXX, MO, and the owner-Manager XXXX XXXX had been indicted on XX/XX/XXXX for 3 counts of bank fraud and 6 counts of money laundering by a Grand Jury, according to the US Attorney 's Officefor the XXXX XXXX XXXX Missouri as a result of {$2.00} XXXX fraudulent PPP loan scam. It also turns out that he and his business partner, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Between XXXX XXXX and XXXX XXXX and their wives, they own XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 
Both companies have registered numerous complaints from the XXXX XXXX XXXX  and consumers have been bilked of many thousands of dollars. 
My previous complaints were XXXX and my wife was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
N accordance with the fair credit reporting act XXXX  account # 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 fumish 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 2022-04-10
Company: FREEDOM FINANCIAL NETWORK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I XXXX XXXX have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have yet to receive any response from the credit bureaus regarding my investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: Credit Plus Inc
State: MI
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:
RE : Request to remove Unauthorized Inquiries or provide documentation of Authorization Dear Sir or Madam, On XX/XX/XXXX I filed a dispute concerning inquiries from Credit Plus claiming I did not authorize hard credit pulls on XX/XX/XXXX and XX/XX/XXXX. 

Credit Pluss response was ; On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX pulled your credit report with the permissible purpose of securing a mortgage loan. Credit Plus is a " reseller '' of credit information and provides credit report information from the 3 credit bureaus at the request of clients per the Fair Credit Reporting Act guidelines. If you did not authorize access to credit data ; please file a new case. 

Again I specifically asked for documentation from Credit Plus, I do not care who they pull my credit for, they can not pull it without the proper authorization and if they are pulling credit reports without the proper documentations from it's clients then that is also a monsterous violation of the FCRA. The inquiries are in the name of Credit Plus not some other third party.

Credit Plus claims they follow the guidelines of the FCRA, then follow them. 
So again, I did not authorize Credit Plus or anyone else to pull my credit on XX/XX/XXXX XX/XX/XXXX or XX/XX/XXXX, XX/XX/XXXX, Therefore per FCRA, either provide the proper documentation that I authorized credit Plus to pull my credit reports from XXXX, XXXX and XXXX for those dates or remove the inquiries immediately. 

Here was my request I am requesting for Credit Plus to  either provide me with a signed document where I agreed to allow them to pull my credit report on the dates mentioned or have them deleted immediately. 

Please remove the unauthorized inquiries from my XXXX, XXXX and XXXX reports or provide me with the unredacted documentation that gave Credit Plus permission from me to pull my credit on the dates listed. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello. 

I hope this message finds you well, I had a property that I inherited from my father also I have all the documents thereof, but due to some limitations the buyer sent it to me through several transactions, however, it was supposed to be sent in XXXX transactions! I informed the bank about this and had all the documents available, however, the bank closed my account and sent me a letter that I would receive any funds related to me by check, but I have not received any money so far, and the bank refused to give me any information they gave me a number to call, I called that number several times but nobody knows anything, and I am struggling several months and went to critical financial issues and have no idea what is going one.

I would like to know what happened and where are my funds. 

Thank you very much and appreciate your help I look forward to hearing from you! 

Regards,

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 2023-04-24
Company: EQUIFAX, 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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation