BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: TX
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 AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been having a whole lot of trouble communicating with the credit bureaus. I have no idea why. 

If I call, I get put on hold for what seems like forever- with the worst hold music, to boot. I think that they put terrible hold music on in hopes that people will simply hang up. If anyone ever answers, it's always a foreigner with a thick accent that is difficult to understand. I threw my voice out and injured my throat yelling last night on the phone with a XXXX rep after she told me twice that I was being rude or mean to her when I literally was not. My spouse as my witness.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Eight months ago I applied for a dental credit card. I was denied by Transunion Credit report on me. I tried calling as the letter from the credit card company said information obtained in a report was why denied. they ( TransUnion ) were unable to supply specific resons why I was denied. I tried calling multiple times and could never get a person, only a credit report. That took about XXXX weeks. I got the report dated XX/XX/2022. I could see no problem so let it go. 
I do not have my notes any longer to give times or dates. BUT same thing repeated itself today : I got a letter from my credit card that I've had for over 5 years. It states it's lowering my credit line. Now I have paid my card off every month, no late fees. Reason is in a letter saying it was based in whole or in part on information obtained in a report from XXXX. XXXX was unable to supply specific reasons why, like Transunion. I attempted to call 3 times and you can not get to a real person. Its the same recording that Transunion has, I must choose to get a credit report or report fraud. If you say operator it says must hang up. I can not get to a person to find out what is wrong. I need help in getting to the bottom of this. Thank you.

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 2018-06-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
No other credit agency charges for this service. Apparently, Experian believes they wont be hacked like XXXX was. This is a racketeering service that consumers should not have to pay for to protect our identity. They charge at least {$9.00} per month and higher for you to be able to lock your credit report so they can hammer with other services that cost. Why should any consumer have to worry about paying a fee we can't afford just to protect our identity because a credit bureau agency wants to racket this free service to pad their bottom line. I am talking with a class action attorney as I believe this goes against many laws and with identity theft on the rise you are discriminating against minorities who can not afford this fee or dont have a credit card. This is racial basis as a minority just trying to make it. This is unconstitutional to all Americans and the next form of discrimination. Also, they offer you to put this on your cell phone bill as a payment option as if those bills aren't high enough already. Apparently, they haven't considered the fixed income many Americans and minorities are already on. They are illegally collecting this fee in the state of Texas per the Texas Finance Code. Texas Surety bond information as required by Sec. 392.101. Based on the attachment they dont have a surety bond. I'm filing a complaint with the attorney general 's office.

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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, In XXXX of 2021, I filed a dispute with the credit bureaus about the illegally reinserted collection account : XXXX XXXX account # XXXX I did some reading about credit reporting laws and under the FCRA ( A ) ( 5 ) ( B ), all reinserted accounts must be given a five day notice from the credit bureaus or it must be promptly deleted. and from my understanding if a consumer finds errors on their credit report, they have a right to have them fixed. I got this information from the FCRA.. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. Thank you

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 2019-05-26
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Original XXXX due ( owed to original company ) : {$2800.00} XXXX XXXX XXXX , XXXX charged interest of {$290.00} Additional Cost {$210.00} ( not sure what for ) I've paid {$1800.00} so far. 
They are now garnishing wages starting on XX/XX/XXXX for {$1500.00} I received a " Notice of Court Action '' from XXXX dated XX/XX/XXXX in the small claims court of XXXX XXXX AL. I was never summons to court at the time. I did call XXXX to inquire more about this and did come up with a payment plan ( not any kind of settlement, but a monthly payment of $ XXXX/month. I also NEVER went to court or was told to ). 

I was paying monthly, however fell onto hard times and significant other was no longer working in XX/XX/XXXX and my father had a XXXX in XX/XX/XXXX and we've had several family deaths in between. Therefore unable to pay, I did call them in XX/XX/XXXX and tried to let them know of circumstances and they were rude and threatening to garnish my wages and demanding my bank account number, which I did not provide. The lady on the phone was getting angry and demanding I give her my entire employment history and any other banking institution for which again, I did not provide as this was not needed for them to either continue with payment plan or allow an extension. She hung up on me after several attempts to get my bank account number. I received a letter form my employer on XX/XX/XXXX stating my wages will be garnished starting on XX/XX/XXXX from XXXX, XXXX. I never received any other notice from XXXX, not even regarding anything remotely stating anything about wage garnishment, or working out another plan ( although I have tried calling them to ask for payment options without getting anyone to help me from their firm in return ). I have never seen these people and have never been to court or given a court date or anything beyond the first notice of court in XX/XX/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 2023-09-20
Company: EQUIFAX, INC.
State: MN
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-15
Company: KeyBridge Medical Revenue Management
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2021-03-15
Company: Harley Davidson Financial Services Inc
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/2016 I purchased a Harley Davidson from XXXX Harley Davidson, with my purchase they had a package for prepaid maintenance service {$1800.00}. I was told at the time of purchase that I just have to call the service department and schedule a appointment they will pick up the bike bring it in for service and drop it off. I have never used the service when I called to receive my services, The service department told me I had to pay {$100.00} for pick up and drop off. I explained to the department I was never told that and they need to honor the contract they would not honor the contract unless i took the bike to the Dealership. when i called management he looked up my information and told me that my plan was expired and they WILL NOT honor the agreement I requested a refund was denied I called my lender Harley Davidson was told nothing they can do I called back to the Dealership was told sorry. This is UNEXCEPTIBLE my bike only has 6200 miles and they should honor or refund my money. They NEVER told me I had only so much time to use it or mileage just that I had 6 services. I did file a Motor company complain ref # XXXX also. HOW are they allowed to sell plans and not honor or refund customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: Nelnet, Inc.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
XXXX told me if I take out a private loan it wouldn't effect my federal aid which it did afterwards. Now XXXX XXXX XXXX, the private loan, is not honoring 6 month grace period and they cut me short on any other grace or deferments. They said requested deferment to be short but I never did. XXXX told me this wouldn't effect my federal aid and now I am stuck with private loan then have federal money. I have contacted XXXX XXXX XXXX to talk to them and they won't honor the full grace after I graduated. They wouldn't honor full deferment and I am not happy with XXXX. From what I gathered from XXXX these companies work with students not prey on students. There should be some kind of reformation on this. I've been paying this even though I lost my job and was in a car accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have some information reporting to my credit report that is invalid! Some doesn't belong by to be and the other is not reporting correct! I have listed all details below XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Highest balance {$19000.00} Balance {$12000.00} During XXXX, and the pandemic I had some lates on my car payment, I called them and made arrangements to have them work with me and they advised they would and did and that to us wouldn't effect my credit negatively. Well below are all the dates I was reporting late and since they told me it wouldn't be reporting I feel like it shouldn't XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 60 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 90 days late reporting XX/XX/XXXX 30 days late reporting XX/XX/XXXX 30 days late reporting This account below is an account I paid off, it has derogatory payment history and I paid this account on time and paid it off! 
XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$0.00} These accounts below do not belong by to me XXXX ) XXXX XXXX # XXXX Opened XX/XX/XXXX Balance {$210.00} XXXX ) XXXX XXXX XXXX  # XXXX Opened date XX/XX/XXXX Amount {$170.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX ) XXXX Account # XXXX Opened date XX/XX/XXXX Balance {$850.00} XXXX ) XXXX XXXX XXXX  Account # XXXX Opened date XX/XX/XXXX Balance {$1900.00}

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 non-monetary relief
Consumer complaint received 2021-03-16
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the collection agency XXXX agreed to delete this account from my report completely once paid ... I paid the {$290.00} even though i did not owe this money..I just wanted to take care of this since it is affecting my credit score ... ..They never deleted it even after our agreement and it being paid in full ... ..This tactic that they used is a violation and i demand that they remove this from my credit report completely now..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: JPMORGAN CHASE & CO.
State: HI
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:
From at least XX/XX/XXXX - present I am charged two interest fees a month by chase- they call them XXXX XXXX Fees. 

My statements shows in XX/XX/XXXX a interest fee charge of {$97.00} and one for {$2.00}. Each month there after these interest charges come through in a total between XXXX $ as two separate charges. One is usually XXXX $ and the other $ XXXX. There are no cash advances or any separate debts that would explain why I am being double charged. I was sure the CARD act of XXXX was in place to prevent these double billing practices but I am seeing over time that chase does not adhere to following rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: EQUIFAX, INC.
State: SC
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: LJ Ross Associates
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: MS
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:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX XXXX, DEPT OF ED/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 2023-10-01
Company: LEXISNEXIS
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company is LexisNexis an employee at XXXX brought matters to my attention and when i inquired about it further I was told that they are handling that in the back office. Requested to speak with a Bank Manager and was denied. I inquired again at a later time and it was blown off and denied to speak with a XXXX Bank manager. 
I contacted LEXIS Nexus filled out form electronically and printed a hard copy and mailed. This was back in XX/XX/2023. I still have not gotten any answers. 
What is the actual mission of Lexis Nexus. I will say it again that I believe my niece and her partners ( some work at XXXX ) are money laundering through my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items ( Bankruptcy ) on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our home was financed through Wells Fargo in 2011 and several charges were accessed to our account including sell our account to a third party. We have since sold the home and no longer have an account with Wells Fargo.

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 2023-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
XX/XX/2023 telephone call to Equifax customer service requesting on-line access to my ENTIRE Equifax credit report through the XXXX XXXX. Equifax representative helped gain on-line access to through the Equifax website only, but I was repeatedly unable to tunnel through the XXXX XXXX to get my ENTIRE Equifax credit report in one download or via one print out as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
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: Personal information incorrect

Complaint:
I have sent my Driver license and SS card to transunion and disputed my name several times. XXXX and XXXX have been but Transunion is not doing their job. My Name is XXXX XXXX NOT XXXX XXXX. my ssn is XXXX NOT XXXX 
what in the XXXX do i have to do to get them to make these changes.My driver license and SS card should be enough proof to change this. I want this change Now with Transunion

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