BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: NV
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 want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  XXXX XXXX. Please repair and update these accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent several requests to investigate inaccurate accounts on my credit report. I have been really patient with them. On XX/XX/2020 I requested Transunion to provide me, a description of their reinvestigation procedure / their method of verification. I received no response. On XX/XX/2020, again I requested in writing Transunion to provide me a description of their reinvestigation procedures and/or their method of verification. No response!!! I have been trying to apply for a home and their inaccurate records on my credit have caused me so much stress and loss of faith.

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 2023-11-10
Company: Nelnet, Inc.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The wait times to get a hold of Nelnet to service my student loan account have been insane for months. I have called multiple times since the pause ended only to be told by a robotic voice that the wait times are upwards of two hours with no option to be queued and called back. As a working professional that is actively contributing to society every day, it is extremely rare that I have two hours to burn to listen to terrible hold music while I patiently wait for someone to answer the phone to answer basic questions about servicing my student loans. I live in the mountain time zone and practically all of their customer service hours are during the work day, so it is virtually impossible for me to commit the time required to speak with a human being at Nelnet. 

If the government wants its money back so badly, then it needs to fork out the cash to service the portfolio. It's insane and frankly insulting to expect borrowers to enthusiastically pay their loans back while contracting with a servicer that literally does not have near the resources required to perform the most basic and critical functions of servicing a student loan portfolio. 

Additionally, when the pause ended, I had some loans that were in their grace period and others that grace had been exhausted on. I applied for the SAVE program and only my loans with exhausted grace went into the SAVE program. The rest of my loans still in grace remained in Extended Standard Repayment. I was forward thinking enough to call Nelnet ahead of the pause and was able to speak with someone about this and was assured that my loans in grace would go into SAVE as soon as they converted into repayment. Those loans converted on XX/XX/ and unsurprisingly remain in Extended Standard Repayment. So Nelnet 's representatives just made up an answer to my question rather than just saying " I don't know, let me follow up with you '' and actually taking the time to figure out what was going on. 

It is infuriating that the federal government has refused to support its student loan portfolio 's borrowers at nearly every turn. To add insult to injury, the DOE has decided to contract with a terrible, good for nothing servicer. I am so disappointed that they went with Nelnet because XXXX XXXX was so much better. 

Bottom line, the government needs to ensure that its student loan servicing vendor has the resources it needs to service the portfolio. It is literally the bare minimum required to get their precious student loans back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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. 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 XXXXXXXX has me at a score around XXXX  That is a huge difference. XXXX paints me as a Bum. 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 XXXXdays 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 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 non-monetary relief
Consumer complaint received 2023-07-06
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2022-11-26
Company: Chime Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX  at approximately XXXX I made a tranfer to a relative XXXX XXXX XXXX XXXX XXXX through Sendwave money transfer company for the sum of {$2600.00}. On arriving the bank for pickup the recipient ( my relative ) XXXX XXXX XXXX, was alerted by Sendwave messaging network that the funds has been picked up by her which was not true. After reporting the issue to sendwave complaints department I was told the issue is being looked into, but the pace of the investigation has been very slow. The money sent was for a life and death suitation and every time delayed causes more harm than good. I feel I am not been taken seriously, and need this issue resolved as quickly as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-02
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please, I need help with repeated calls and them attempting forced payments from bank account prior to when funds will be available. 

Initially spoke with " XXXX XXXX '' not sure of real name. They use spoofing of phone numbers and name even though I am taking their calls. 

She was advised of my financial status XXXX XXXX the 4th week of the month ). I did advise I had no money at the time but will ( and did ) send a payment. This was not satisfactory then and even though they acknowledge receipt of TWO ON TIME PAYMENTS, multiple phone calls per day have not stopped. 

1. I cant guarantee payment via the bank account used for the initial payment. It was used to keep my commitment of said payment and show commitment to resolving this debt. 
2. Second payment was send via money order and received ON TIME by the company per " XXXX '' on XX/XX/28. Advised next payment would be sent to the address by the date provided by them on a payment schedule. 
3. As of the writing and filing of this complaint, there are MULTIPLE calls daily regarding payment. 

I am constantly threatened with litigation even though I am attempting to satisfy this debt. I do admit losing my temper during the last two phone calls with them. In fairness, I do not expect repeated calls when I have clearly shown an attempt to pay and the THIRD due date is not here yet. Threatening litigation and garnishment of a XXXX check prior to a due date when TWO payments have been RECEIVED and ACKNOWLEDGED by Midland Credit Management XXXX Inc. is beyond excessive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, 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:
XXXX XX/XX/2022 Dear Sir or Madam : I am writing to file a complaint against Eqifax , Inc. I have contacted Equifax multiple times to receive my free annual report including by mail, fax, online, and over the phone over the past few months. I am being told to send copies of my driver 's license, social security card, and a current utility bill to Equifax to verify my personal info, which I have done more than once now and I have the transmission reports to show. The last fax I sent to them with my documents was on XX/XX/2022 to the fax number ( XXXX ) XXXX. Each time I contact Equifax to resolve this matter I have been told to either wait more time for them to receive my documents or to try and send them again. I appreciate your help in this matter. 

XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Cell : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: EQUIFAX, 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:
I have been in constant contact with Equifax since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. Equifax has refused to update my credit report and send me an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am filling this complaint case to make sure that XXXX  will take the necessary action regarding my concern. I have been a victim of Multimillion-Dollar Bank Fraud with the Securities Fraud Scheme of XXXX XXXX XXXX XXXX ( XXXX XXXX ). I have attached the federal documents to review. For your reference regarding my claim. Attached is the article from the Department of Justice article regarding the crime that has been committed. 
Below are the accounts that they opened and are still affecting my credit score. Sadly, all the accounts that they opened ended up as Derogatory, Sold to Collection companies, and Paid but with multiple late payments. I need to make sure that the credit bureaus will review my account and be on top of the investigation. I already disputed this concern with the credit bureaus and still not seeing any results. The people involved in this crime pleaded guilty of their roles in the XXXX XXXX XXXX fraud conspiracy and are awaiting sentencing. I know that this situation should be handled by experts so it would be easy for these accounts to be removed from my credit report. I have been under tremendous stress because of this and I need this resolved as soon as possible. I am writing this letter with the highest urgency to be resolved. These accounts can not be in my credit file, these are the result of Financial Fraud therefore I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. 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 2021-08-12
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Misleading Balance Transfer Offer on Chase Reserve I have used a balance transfer offer in XXXX XXXX XXXX for {$15000.00} at a 4 % fee, and was told all purchases going forward will be charged an interest unless I make a payment. 

From XXXX, I for every purchase I have paid back the usage and at times more than that the monthly purchases every month. But I am getting charged an interest. I have contacted Chase multiple times and every time they give a different reason. 

So in the month of XXXX I significantly reduced using the card and just used {$200.00} and paid back {$360.00} which is higher than the purchases and minimum balance due. Even then I was still charged a fees of {$23.00} which is almost 140 % interest rate. So, I started looking back each statements, and realized I was getting charged interest which kept on increasing even though I made full payments. This did not make sense and contacted customer care again.The customer care says there is some terms and conditions which says from the day of balance transfer to end of statement i was not allowed to make any purchases. So even if i pay the full purchases amount the bank will still keep charging me interest. 

Upon contacting customer care, I was told to pay back the whole of {$15000.00} so as to avoid interest even though I had a 0 % APR on balance transfer. Contact XXXX XXXX PST, conversation with XXXX XXXX 

Now I am a significant loss, I had to pay the high interest even though i have been paying back more than my purchases. On top I have to payback the whole of balance transfer which means the bank gets to keep the 4 % gaining profits. 

This looks like unfair interest rate being charged without any basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband and I share a joint checking account with Capital One. My husband did a mobile deposit yesterday XX/XX/XXXX at XXXX XXXX and Capital One cut off for business day is XXXX. We received two mobile alerts. First one said the funds would be available on XX/XX/XXXX and the next one said they would be available XX/XX/XXXX. Our checking account was opened on XX/XX/XXXX. When we saw the second hold frame, my husband called Capital One on XX/XX/XXXX and the representative at the time said we required to speak with a manager next day to do a deposit override. My husband and myself called to speak to a Manager today on XX/XX/XXXX who went by XXXX and informed us we were on a recorded line. She informed us there was nothing she could do as our account is considered new and that Capital One had the right to hold for four business days however XX/XX/XXXX to XX/XX/XXXX is technically five business days. I mentioned that the Expedited Funds Availability Act states {$200.00} must be released the next business day of deposit and she claimed there was no such law and we would have to wait until 24 hours to call and petition for any funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: WA
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:
There is two collections in my credit report both from the same company XXXX XXXX XXXX I have no idea where this even came from I have already filed a identity theft report I want this off my credit report its preventing me from getting any findings needed to further build my business and my financial wellbeing please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these was Collection and charge off accounts on my credit report. This is disappointing because I have been paying Experian.com to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a Collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove this Collection and charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THESE FRAUDULENT ITEMs : 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 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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