BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
The original loan amount was {$18000.00} by Sallie Mae in XXXX. Repayment started in XXXX and payments were made regularly. In XXXX my son lost his job. He called Sallie Mae and they worked with him and the loan went into deferment. In that time during Covid all student loans were deferred due to hardship. The difference is Sallie Mae was accruing interest on their loans. This was not made clear to him at the time. What started as an {$18000.00} loan is now {$27000.00}. How can this be legal? They acted like they were helping him out when he could not pay. They suggested the deferment and now he owes more than is even borrowed. At no time was he told that loan would increase this much. It seems to me that in a time when the we all needed help they took advantage of students.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I requested a XXXX XXXX XXXX XXXX XXXX I never wanted to apply for a loan or even consider applying and for some reason my credit was pulled from a credit company " Transunion ''. I never personally requested this and for that matter I want this information investigated and removed because there is no way why this should happen to a person when they didn't request such information and I'm willing to go to the full-stand of the law to get this matter resolved, for good faith because XXXX is XXXX of my favorite banks. Which is why I'm sending this letter because typically I just sued but I want to resolve this as passive as it can be thank you, the suggested information is as follows ( 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 2024-01-06
Company: CITIBANK, N.A.
State: NY
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:
I have communicated several times with you ( XXXX ) concerning the persistent presence of inaccurate information on my credit report. Despite multiple notifications highlighting these errors, you persist in reporting incorrect details within my file. This situation not only raises concerns about fairness but also suggests potential violations of legal standards, making it imperative for you to promptly fulfill your obligation in addressing this matter. According to regulations, you ( XXXX ) must take corrective action in response to my request. 

I am formally requesting a detailed description of the procedures employed by you ( XXXX ) to determine the accuracy and completeness of the CITICARDS CBNA account in question. Additionally, if no information related to this account can be produced, I request that it be blocked and deleted from my consumer report. I anticipate the implementation of this corrective action within four days from the date of receipt of this notice. 

Your prompt attention to this matter is greatly appreciated.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: DC
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:
Smoeone obtained access to my report and changed information such as my address and there was a car loan inquiry not obtained by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jefferson Capital Systems LLC Account # XXXX ( Dept # XXXX, XXXX XXXX XXXX, XXXX, Al XXXX, XXXX ) claims via letter ( s ) that I have an outstanding debt with XXXX XXXX {$40.00}. I contacted XXXX XXXX to verify and was informed that no such record exists. I have a current policy with XXXX XXXX and have used their service for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May ConcernI was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are in compliance with OHIO LAW.  The following account are still unverified : 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 I demand original paperwork, contract or bills of sale something, the account are not accurate on my file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: ALLY FINANCIAL INC.
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: Their investigation did not fix an error on your report

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I had one card from Bank Of America, only one credit report shows this second report for XXXX that I have no knowledge of and fighting in court over this. I have sent multiple letters to BOA to send me the signed contract, but dont have one. I need this solved before my credit score suffers and want it washed away from 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 2020-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} XXXX XXXXXXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}

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 2020-06-05
Company: LJ Ross Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am XXXX XXXX. After serving in the military for 7 years, I am ready to finally buy a home. I am working with a veteran  organization here in Texas to improve my credit score so that I can be my best when getting approved for a home loan. I am running into a problem with the company LJRoss/XXXX. The company is on all three of my credit reports showing a XXXX balance. This entry has been on my report for over 9 years. 

I have called and spoke to several people and even waited a month for them to take action. The entry still remails on my reports. Can someone help get this removed and or tell me how I can get through to them to have it removed, it would be greatly appreciated. 

If you would like to contact me, my e-mail address is XXXX Thank you for taking the time to look into this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Chase Freedom Unlimited credit card in XXXX. The bonus offer was XXXX cash rewards after spending XXXX dollars in the first 3 months. I reached the requirement in less than 2 months. I didn't see the bonus offer appear in my account so I contacted the Chase customer service team. I files a claim and waited two weeks without a response. Finally I called again and was told there is nothing they can do about the situation. The only reason I signed up for the credit card was to receive the bonus offer and I could have saved those XXXX dollars I spent in order to receive the bonus offer. 
All in all I was cheated out of XXXX bonus and the credit card is now ruining my credit score by closing my account. I would rather not do business with a shady credit card company but they are still putting a closed account on my credit report which is really affecting me negatively. the customer service also admitted that they have many offers on many different websites so they don't know which bonus offer is even true. They admitted to falsely promoting a credit card bonus and I have a recording of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Lending Club Corp
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was approved for the loan and signed all the agreements, I forwarded all the documentations that were requested and was verified. I chatted with the agents on the phone and had submitted the call needed and sent in my bank statement, I received a decline to due : Application is incomplete - Bank account has not been verified I tried to rectify the issue on having my bank account verified and have been unable to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Paypal Holdings, Inc
State: FM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi! 

I paid in full this account {$310.00} and the creditor still reporting a charge off account to the bureaus. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
City Bank Shop Your Way card. Last month my bill was {$220.00}. after making a {$100.00} payment on time, my balance is {$200.00}. I have been upset with this card since Sears closed. I closed it XXXXwo months ago. And the still manage to make me mad. 
Payment Date *** Payments Max Balance *** SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$100.00} XXXX {$100.00} SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$100.00} XXXX SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$75.00} XXXX SHOP YOUR WAY XXXX - XXXX XX/XX/2022 {$75.00} XXXX Online Banking Transfer To XXXX CNS XX/XX/2022 {$75.00} XXXX SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$75.00} XXXX SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$150.00} XXXX SHOP YOUR WAY XXXX - PAYMENT XX/XX/2022 {$480.00} ( Returned ) tried to Pay In Full SHOP YOUR WAY XXXX - PAYMENT XX/XX/2022 {$75.00} XXXX SHOP YOUR WAY MC - PAYMENT XX/XX/2022 {$75.00} XXXX {$1200.00} {$1100.00} {$100.00} What's really disheartening about this is the fact that I've only really purchased about {$550.00} worth of product. 
I hope you can recommend something 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 2019-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, XXXX, XXXX, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its 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 explanation
Consumer complaint received 2019-10-13
Company: EQUIFAX, 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:
Hey, I need serious help in understanding this investigation. There is no way that you are conducting an actual investigation on this auto account I have with the XXXX XXXX XXXX. There are still several inaccuracies with the way this account is reporting on my credit report. There is no way that the same auto loan account would report 3 different negative items to the 3 major credit bureaus. Did you see the attachments? There are severely inconsistent with the payment history, DLA, DLP, questionable balance, account type. It should be " CREDIT SALES '', not " Auto Loan '' ... ... .Also, The first late payment listed on this account is wrong and you need to remove this account. Creditor stated they would remove this after payment and its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: CT
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 2021-06-29
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea what this debt is. XXXX dropped it off my credit report! Its been on my report for 7 years!!!! 
Regardless, of what/why/where this debt is. SEVEN YEARS HAS PASSED THATS PSY THE STATUTE OF LIMITATIONS FOR THIS TO CONTINUE TO BE LISTED AS A BAD DEPT 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 explanation
Consumer complaint received 2019-10-12
Company: Experian Information Solutions Inc.
State: PA
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 no knowledge of the following account XXXX XXXX XXXX. Please investigate to insure there is no fraudulent activity.

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 2021-12-01
Company: EQUIFAX, INC.
State: CA
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: MRS BPO, LLC
State: NJ
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:
The below inquires made using my social security number and personal information were fraudulently created. One resulted going into collections, ( damaging my credit score and file ) with MRSBPO for an XXXX account I never applied for or authorized. I have filed a police report acknowledgment but unable to obtain a full and detailed police report from the XXXX XXXX  XXXX Police Department XXXX XXXX XXXX XXXX, NJ XXXX. Detective XXXX  informed me the following : " I advised XXXX XXXX, that in order to further investigate this incident I would need to obtain subpoenas from the XXXX XXXX Prosecutors Office to be served upon the various entities. The final report will not be released by our records bureau until the conclusion of this investigation. This investigation will not be complete until I have received the documents requested in the subpoenas and any leads pursued. Just a heads up, the report that our records bureau will provide you with will not include any officers narrative portion. There won't be much more information in this report than the form that I have already provided you with. In order to obtain the entire report I believe you will have to file for discovery, but our records bureau will be able to further advise you on that. I will keep you updated on the status of this investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX Ext. XXXX XXXX I did not authorize or apply for credit with the below creditors. 

XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: MN
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:
Good afternoon I need to Filed a complaint on Equifax due to Negative reporting on two XXXX #  XXXX # XXXX I received a letter from Office of the President of XXXX after his investigation He found that XXXX is reporting to XXXX / Equifax and XXXX as closed by with 180 days delinquent with a balance of {$1800.00} But when I look at Equifax report dated XX/XX/19 however Equifax is showing a balance of XXXX how is this so?? and XXXX is saying XXXX this is inaccurate information and needs to be delete from my credit file. again I want to remind you this information is verified via the source see attached files! cfpb even have a copy of this! 

XXXX XXXX is reporting per the president office is reporting XXXX but However Equifax you are reporting XXXX again keep in mind this is written in black and white from the source Please delete these two accounts for erroneous reporting fcra clearly states that all information must report 100 % percent accurate! thank you also before I go you have hurt my ability to obtain anything with this Negative reporting Please delete these two account asap

Company response to consumer: Closed with explanation