BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 2018-08-15
Company: JPMORGAN CHASE & CO.
State: NY
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:
Pervasive and consistent failure of Chase to abide by FCA. Will not investigate dispute properly. Will not provide contact information to claims person. Will not provide information forwarded by merchant. Internal person assigned does not speak English. Chase will not look at evidence or merits of claims presented by consumers and will rely on self-serving, non-evidentiary information provided by merchant each and every time.

I have tape of conversation with Chase representative evidencing pervasive fraud and failure to abide by FCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: EQUIFAX, INC.
State: OH
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:
I have concern that the credit score reported by all three credit bureaus has improperly decreased. 

We recently started a refinance process with XXXX XXXX. When they pulled two of our credit scores XX/XX/XXXX XXXX and XXXX  rated my credit score as excellent to great ( above 760 ponts ). When XXXX pulled the additional credit report/score from Equifax a week later my credit score dropped 49 points ( XXXX points ). This has caused XXXX to deny us a refinance program that has acceptable terms with a credit score of XXXX. XXXX did pull the credit report a total of two times ( one from each credit bureau in a two week period ). XXXX explained the reason the credit dropped so much is because we have 18 inquiries into our credit report. We do not account for 10 of the inquiries and need to dispute the inquiries and drop in credit score. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Non-bankruptcy derogatory items that are more than 7 years old from the date of original default remain on my credit report. Negative items are reported twice - once as the original debt holder and secondly as collections items by a agency. This creates the impression to a prospective creditor that I am a higher credit risk than I actually am, because I have twice the number of derogatory items than I should! Inquiries that are more than 2 years old still remain 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 2023-06-19
Company: National Enterprise Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a written communication dated XX/XX/2023 from National Enterprise Systems, regarding an alleged debt I have no knowledge of. It contained verbiage, logos, symbols, and statements identifying them as a debt collector attempting to collect from me. As a consumer, I have never contracted with this company or any affiliates. Pursuant to 15 USC 1692k, National Enterprise Systems is now civilly liable for its abusive and deceptive practices by identifying itself as a debt collector attempting to collect from me, a federally protected consumer. I demand National Enterprise Systems cease and desist with all communication, collection attempts, and adverse reporting. Any further attempts will be considered a direct violation of all applicable federal laws. The notice I received constitutes harassment. As a consumer, I have not now or ever authorized or extended my credit to them. Do not attempt to continually furnish any information on my behalf guised as a collection account. I have never given this company or affiliates a permissible purpose to do so. This company is also in violation of 15 USC 1692e by making false and misleading representations. I am demanding National Enterprise Systems provide an original contract with my signature, offer, and acceptance. Copies will not suffice. Any continuance or disregard of this notice will be deemed as a direct violation of federal law, as I am a federally protected consumer.

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 2022-03-06
Company: EQUIFAX, INC.
State: TN
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:
This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Late in the evening of XX/XX/2022 ( probably technically in the early hours of the following day ), I submitted an application to Goldman Sachs Bank USA for XXXX XXXX card. During the process, the online system asked me to upload a copy of the front and back of my driver 's license ( no larger than XXXX each ). I did so. The system showed both sides uploaded and then confirmed a successful submission of the application. 

Between XXXX XXXX on XX/XX/2022, I received a call with caller ID number XXXX. I missed that call because I was in a meeting. The caller did not leave a voice message. Later the same evening, I looked up the number online and discovered it belonged to Goldman Sachs Bank USA. 

On XX/XX/2022, at XXXX XXXX, I received an email from XXXX by Goldman Sachs telling me that a copy of my ID was needed for verification. Mind you, ID was requested and supplied during the initial application process. This email said the ID needed to be uploaded using the link in the email by XX/XX/2022. 

On XX/XX/2022, at XXXX XXXX precisely XXXX minutes later, and WAY before XX/XX/2022, I received an email from XXXX by Goldman Sachs saying the application was not approved because the bank was unable to verify my identification information. 

This is clearly nonsense. 

I called Goldman Sachs Bank USA at the number provided in the email, XXXX, to hopefully solve the problem. Clearly something was not right. I was told that the application had been closed and nothing could be done other than to submit another application. 

The problem is this. I had a similar experience with Goldman Sachs Bank USA applying for the same card about a month prior. The bank apparently can not adhere to deadlines it itself has set. Consumers should beware. This multibillion dollar firm apparently does not have the appropriate infrastructure in place to support basic business processes. Regulators should be asking whether a bank clearly demonstrating such basic incompetence should even be doing business in the market.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I applied for a review of my income-driven repayment program XXXX. I received a letter dated XX/XX/XXXX sating there was missing paperwork. I mailed the proper documents that month. My credit score dropped 83 points in XXXX. XXXX XXXX claims the approval process for the IDR repayment program takes weeks and the company reported neg during the process. I asked why wasn't the IDR program started in XXXX instead of XX/XX/XXXX or at least when my paperwork was submitted to no answer. The loan is now in forbearance as it should have been until the IDR repayment program started instead reporting neg. I have disputed the reporting status looking regain the 83 point lost on my credit reporting angecies and XXXX XXXX should report the proper status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CITIBANK, N.A.
State: DE
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:
Citi Card charges interest even when APR = 0 % on account. In my XX/XX/XXXX Statement, the balance Subject to Interest section ( the regulatory form at the end on statements ) indicates that NO amount of balance is subject to interest. 

My account was supposed to be at 0 % interest in that cycle as well as several cycles thereafter. I was still assessed interest in the XXXX cycle. Citi sent me a letter on XX/XX/XXXX indicating and confirming that my PURCHASE balance had been paid off in full. Is that not the Card Act equivalent for considering me a transactor?

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 2022-08-12
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently filed an Identity Theft complaint with the FTC. I subsequently forwarded that filing along with items that were a part of the identity theft. Although following all procedures, there is still an inaccurate tradeline reporting on my credit file. XXXX XXXX is a result of Identity Theft. This tradeline WAS INCLUDED in my original FTC filing.

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 2022-10-19
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2020-07-13
Company: Elite Debt Brokers
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
See complaint # XXXX I'm now being told that the company that called me is ELITE DEBT BROKERS who contacted other people saying I was going to be sure, and my employer was going to get contacted. I asked for a Validation of the debt ( a lot of fraud out there ) and she got even more. Persons name was XXXX XXXX. Telephone number is XXXX and another number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In accordance with the Fair Credit Reporting act XX/XX/XXXXXX/XX/XXXXAccount # XX/XX/XXXX- Open date XXXXXX/XX/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 2023-04-05
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX. 

I did not initiate any credit transactions with the following persons on XX/XX/XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXXXXXX 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 2019-07-01
Company: Atlas Credit Company, 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: Account status incorrect

Complaint:
I filed for Chapter 13 in XX/XX/XXXX. I am trying to buy a home & I have discovered that Atlas Credit Company is reporting my account as charged off instead of Chapter 13. When I tried to dispute this in XX/XX/XXXX, I was told that Per Atlas, the reporting is correct. I have reached out via email to corporate but I have not had a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I have an old employer on my credit report and I would like it to list my accurate employer that Ive been working with for over a year.

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 2019-07-01
Company: Experian Information Solutions 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:
Experian is reporting incorrectly a medical collection on the XXXX XXXX XXXX in the amount of {$1700.00} - account number XXXX. ( Please see page 3 of the attached credit report. ) This account does not belong to me and is falsely being reported on my credit report. This inaccurate reporting is seriously harming my credit score. I have contacted the bureau to fix this error. This collection item needs to be removed 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 2018-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been a victim of identify theft.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report, which is the result of a fraudulent item origination and identity theft. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I'd like this account deleted from my file ASAP : 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 2019-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an auto loan with Chase Auto Finance. 

Per their instructions, I sent a loan payoff check in the full amount ( approximately {$19000.00} ) to their loan payoff division. 

Chase received the check and confirmed it was in the correct amount. 

Chase cashed the check and only cashed it in the amount of {$190.00}, having left off a few digits. 

It's unclear if this is a mistake by Chase or by my bank, XXXX. 

Chase now wants me to send another {$19000.00} check with no gaurantee that my original check will not be cashed in the full amount as well and has told me I need to spend my time going to XXXX to figure out a problem that should be resolved between Chase and XXXX. 

Now, Chase is sending me letters and phone calls threatening to repossess my vehicle. 

I've wasted hours on the phone been put through a lot of stress around this issue and would expect Chase to resolve the issue by working with my bank directly rather than putting me in the middle of a problem that I did not create!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX I, XXXX appears on my crdit report trying to collect an amount of a XXXX  that I never open dated on XX/XX/2018 .... ( see attachment ) This company, XXXX XXXX I, XXXX have all my personal information with out my concent.

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