BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
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:
On XX/XX/XXXX, someone apply for a credit card XXXX XXXX XXXX using the name XXXX XXXX. On XX/XX/XXXX I reported the credit card aplicarion as Fraud and they were able to withdraw the application and was not granted. 

On XX/XX/XXXX, someone apply for prepaid debit card XXXX XXXX XXXXXXXX XXXX, using a different email address and set up a pin i dont use. XXXX XXXX was not able to provide email address that was used. The name that was used was XXXX XXXX. 

My personal checking account XXXX XXXX union was compromised twice, {$80.00} charge by XXXX XXXX this is a wire transfer company, fraud company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Filing a complaint here as I don't know who to contact to get an answer. My loans were serviced by XXXX. I requested a refund on XX/XX/XXXX of my last payment made of {$21000.00}, made on XX/XX/XXXX during the payment pause. There was no activity from XXXX in months on the refund request. I finally get a hold of XXXX through phone and from complaint, and they tell me that my loans were transferred to Aidvantage and they don't have any additional information. 

So after receiving that information from XXXX, I contact Aidvantage and Aidvantage tells me that they don't even have a record of me on file. So essentially, my account information is lost or in limbo. Meanwhile, the deadline to request a refund on student loan payments is XX/XX/XXXX. I requested this refund back in XXXX! Now neither Aidvantage nor XXXX has my account and I can't login or view any information for either. 

Furthermore, I HAVE NOT received any communication, letters, information, emails, texts, phone calls, mail or anything from Aidvantage nor from XXXX to even let me know that they are my new servicer or that they have stopped being my servicer. Everything is being done behind closed door without my knowledge. Imagine if my bank transferred my information and accounts to another bank without my knowledge or communication. And then I also could not login to either institution and neither have information about my account. There would be some sort of liability there. But apparently these student loan servicers are not held to the same standards, duty, or regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FTC REPORT NUMBER IS ( XXXX ) These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in 30-45 days I DEMAND PROOF OF VERIFICATION WITHIN 30-45 DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS! 

15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-10-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I missed one payment even though I had attempted to pay the balance in full the payment in question sadly got declined since that day Ive received a call every day at XXXX XXXX sharp leaving me a voicemail XXXX through 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 2023-04-03
Company: BMW Financial Services NA, LLC
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Greetings. A representative by the name of XXXX continues to call me from BMW Financial Services which is XXXX XXXXXXXX. He continually harasses me! I've asked him to stop. He called again today and I said to him " Please stop calling me! I don't owe you people anything! I've asked you to stop calling and it is illegal for you to keep calling me. I will be contacting the Consumer Finance Bureau to file a complaint ''. He stated " I'm going to keep until the dead is collected and I don't care anything about the Consumer Finance Bureau ''. I advised him that I will be filing a formal complaint and he said " I'm still going to continue to call ''. His name is XXXX and he has called me 23 times so far to date in each call is getting more and more aggressive and in a threatening tone. 
This amount they're stating I owe is from an end of lease vehicle, in which all balances were paid, and I purchased another lease on the SAME DAY I turned in this lease, as there was NO BALANCE OWED or due. I have documentation stating XXXX BALANCE. They have stated that they sent me the wrong letter which is the PDF form stating there is a XXXX BALANCE on the account. Additionally, this account was charged off XXXX of 2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: DISCOVER BANK
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a home equity loan with Discover Bank for {$75000.00}. In both the Loan Estimate and Closing Disclosure, it states under " Prepayment Penalty '' that there was none. I was also told this verbally. However, in a later set of documents it does describe a prepayment penalty if paid off within 36 months. I believe this discrepancy between the documents is deceptive. I believe I was lead to believe that there would not be a prepayment penalty and was surprised to find this {$420.00} penalty in my payoff letter. I spoke with a representative who agreed that it was misleading then a supervisor who noted that it was in another document which I signed. I told him I felt deceived but he was not willing to refund the prepayment penalty. I'm curious as to how many other people they are doing this to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-18
Company: OneMain Finance Corporation
State: LA
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX  days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good afternoon, On XXXX, I applied online for XXXX XXXX XXXX account. After applying, I tried to access the " return to application '' link to create ID and password. However, it kept erroring out after inputting XXXX  digit code received to verify my application. I have called multiple times to get status of the online access and account opening confirmation. The account application was successful according to the multiple representatives I have spoken to. Its been over a month not and yet I have not been able to access my account. Each time I was given reason of " engineering team is looking into my issue. '' One time, I was even asked to send screenshot of the error to their email address, but nobody has replied to that. 

I opened this account under promotion of {$500.00} when you do {$2500.00} in XXXX deposit. However, I still can not access my account. This is unacceptable as I have limited time to complete an account promotion for which I applied before XXXX XXXX updated the terms of promotion. I feel like I will run out of the time before I could complete the promotion due to XXXX XXXX 's inability to fix the technical issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: LEXISNEXIS
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 is missing that should be on the report

Complaint:
XXXX XXXX has suppressed my credit report for the third year. I've asked for it to be unsuppressed last year around XXXX of last year they told me I had to send in documentation with a copy of my drivers license copy of a form letter from Social Security. I did that. I also sent them a copy of a name, change XXXX XXXX change it was valid for 90 days is no longer valid. I'm waiting for the update from the XXXX XXXX XXXX, XXXX XXXX, who are two years behind I sent copies of my passport yet and still there's still some pressing my file after sitting them the proper documentation last year they turned around and suppressed my file and that allowed me to do with. Meanwhile, I'm getting denial credit. They're violating the fair reporting act, and here it is again they suppress my file without any rationale or statutes of law why they do it they do what they want. This is ridiculous. They don't follow the law they break the law consistently I've been a victim of identity fraud. They still have things on my ad on my report that do not belong to me. They remove it, then suppress my file and then put the incorrect or fraud debt back on the there

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The dispute of this debt was going to be justified by XXXX They removed it from my credit. The company than sold it to another and placed it back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
on XX/XX/XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and XXXX and XXXX XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX  and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX, Account Name # 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than record of conviction of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RE : ShellPoint Mortgage Servicing Account : XXXX I paid off my mortgage in full on XX/XX/XXXX. 
On XX/XX/XXXX, I received s Discharge of Mortgage notice and release of Lien. 

On XX/XX/XXXX, my credit report did not reflect the updated balance. I contacted Shellpoint and was advised that they needed 45 days. 
On XX/XX/XXXX, both XXXX  and XXXX still show my mortgage as open and owing {$50000.00}. I filed a credit dispute and on XX/XX/XXXX, XXXX fraudulently advised the credit bureaus that I still owed {$50000.00}. 
Today, XX/XX/XXXX, I contacted Shellpoint and they confirmed the {$0.00} paid in full balance, but would not assist me with the credit reporting dispute. 

Please accept this notice that I wish to file a formal complaint against Shellpoint Mortgage Services for failure to comply with the fair Credit reporting Act. 

Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have submitted numerous complaints in regards to account XXXX in the amount of {$520.00}. This account is being reported twice on my credit report, causing me to have a lower score, which is causing me unfavorable terms. I am also requesting for you guys to provide proof of the alleged item, specifically the contract, note, or any other instrument bearing my signature.

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 2022-10-28
Company: EQUIFAX, INC.
State: VA
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. XXXX 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 719XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to negotiate a debt. I attended XXXX XXXX University  during XXXX and dropped a class within the drop period. XXXX billed me for the class anyway. I dropped the class over the phone so I can not provide proof that I was within the approved time frame. I disagree with this debt entirely, but I was denied for a business loan because of this collection account. XXXX XXXX XXXX agreed to accept {$1900.00} to pay for delete from my credit report. I've filed several disputes to have this account updated to paid and removed as a collection account. All three bureaus have denied my requests saying that XXXX XXXX is reporting this account as unpaid.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: IA
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 refusing to remove personal information from my consumer report that does not belong to me. Experian is willfully and knowingly violating 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 non-monetary relief
Consumer complaint received 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Reporting accounts that are not mine

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a complaint last XX/XX/XXXX and it was closed immediately. I submitted a complain again last XXXX XXXX XXXX and XX/XX/XXXX and again it was closed immediately with a reason ( The CFPB closed this complaint because it has already processed your earlier complaints about this problem. ). I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian was asked to remove or verify information on several occasions and will not simply uses e Oscar generated replys with verified i request info I asked for method of verification people involved numbers and they ignore. My request and continue to report false information

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 2023-03-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Funds not being available causing overdrafts or transactions taking 3 days to reflect correct balance causing low balance and over draft fees. Also higher intrest on a car loan.

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