BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, 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:
My Credit Score has dropped significantly in the past month due to unauthorized searches into my finances while attempting to apply for a 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
Consumer complaint received 2023-06-24
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Impersonated me according a letter XXXX XXXX stating I requested validation of debt and in turn they have reported disputes on behalf of the consumer to all ages. I have never attempted nor made any contact with this company. They have committed fraud by impersonating me and taking actions on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: TX
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:
COMPANY REFUSED TO INVESTIGATE AND REMOVE FRAUDULENT INFORMATION LISTED IN MY POLICE 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Making payment via XXXX and found out it was a scam but both XXXX and Chase bank don't want to help reversing payments and tried to push responsibility to each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XXXX XXXX, I've sent letters to all 3 credit agencies for a investigation of inaccurate information reporting on my credit report. I've gotten no investigation letters from bureaus.

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 2018-10-29
Company: Navient Solutions, LLC.
State: FL
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:
In XXXX I consolidated my Federal student loans. At the time my loan was being serviced by Sallie Mae. The balance of the consolidation loan was {$23000.00}. Over the past 10 years most of the time my loan was either in an In-School Deferment, Repayment or a forbearance because of economic hardship. Approximately XXXX my loan was transferred over to Navient to be serviced. After it transferred to Navient I noticed that my loan balance was over {$48000.00} which is about {$25000.00} more than it was previous. My first impression was that this has to be a duplicate entry on my report. I have disputed this entry with all 3 credit bureaus. One of the 3 seems to have removed the duplicate entry. However, I recently also pulled the NSLDS file and it is showing two FFEL Consolidated loans with Navient. I again believe that this is a duplicate entry. I have not been able to get details of the loan balance with Navient or had any success in getting their help to understand the account balance. I spoke to a representative at Navient and their answer was to put me in a Deferment until I could get someone to sort out why my balance was so high and put in a dispute. My goal is to have the account reviewed to see if this in fact is a duplicate student loan entry and figure out the path to get this entry removed from all 3 credit bureaus, as well as to have Navient stop collection on an invalid loan balance. 

I have also noticed that on some of my Credit Reports and Student Loan Account information with XXXX XXXX and Navient that they have my middle initial as XXXX XXXX XXXX. My middle name XXXX and therefore it should be designated as XXXX. I am not sure if there are other XXXX XXXX whose information could be crossing with mine causing some of the balance discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
Greetings, I have been contacting the 3 credit agencies about some accounts which were not created by myself or anyone I know reporting on my credit reports. 

I've sent all the documents they have requested to do a proper investigation and sent it by certified mail each month for the last 3 months and they still have not removed these fraudulent accounts which were not created by me. Every time I call and reach out to ask about the investigation, the company says they have either not received my information and I need to resend it, or they just do not respond to the investigation entirely, and I am fed up because this is hurting my ability to obtain credit and move on with my life. I am trying to get these accounts removed because they are not mine. Here are the details of the disputes I have submitted. 

I sent my last round of disputes by certified mail on : XX/XX/2023 for XXXX XXXX and XXXX  XXXX XXXX XXXX and several inquiries for credit which I did not commit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX, The Consumer, ceased communication with XXXX XXXX XXXX  XXXX, account numbers XXXX on XX/XX/2021. XXXX XXXX XXXX  XXXX contacted me after I sent in my Validation of Debt pursuant to 15 U.S. Code 1692g along with my Cease & Desist to CEASE COMMUNICATION through ANY medium pursuant to 15 U.S. Code 1692c ( c ) on XX/XX/2021 upon receipt. I, XXXX XXXX, The Consumer did not give written instructions to XXXX, XXXX, AND EQUIFAX to report such debt pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) ( a ) Reports furnished must be in accordance with the instructions of the consumer. XXXX is now reporting XXXX XXXX XXXX XXXX as charged off on dates XXXX XXXX  and XXXX XXXX. Also Reporting 30 days late on XXXXXXXX XXXX and XXXX days late on XXXX XXXX XXXX is now reporting XXXX XXXX XXXX XXXX  charged off as bad debts with 0 Days Late on dates XXXXXXXX XXXX Equifax is now reporting XXXX XXXX XXXX XXXX charged off on dates XXXXXXXX XXXX and XXXXXXXX XXXX Late on dates XXXXXXXX XXXX. Good standing on Dates XXXXXXXX XXXX I did not consent for this negative item to appear on my reports. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: GA
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 my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2023-09-08
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My federal student loans were transferred to the provider Nelnet. I have been unable to make payments since this change was made. 

Their website requires two-factor authentication but is unable to log in on web browser. After inputting the code it redirects me back to the login page every time. I have tried XXXX browsers on XXXX different devices. This has consistently happened over a month, trying on XXXX separate occasions. 

On the mobile app I was finally able to get into my account. When I went to make my first payment, it gave me error after submitting the payment. Again, I have tried to make payments on XXXX separate occasions and have been unable to pay my bill. 

This is unacceptable. How can my servicer not have a functioning website or payments system. They have a completely inaccesible support. I should not have this much trouble making payments on my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called XXXX and Transunion but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. Transunion reported twice the inquiry.

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 2021-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I informed them that the amount owed is not correct nor is the account number. The buraus said they investigated but asked how was it investigated they sent back the same information. They dates I sent letter was XX/XX/20 and XX/XX/20. The amount {$870.00}, and {$550.00} both accounts went out on the same date and letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: GOLDMAN SACHS BANK USA
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received a Promotional offer in XXXX of this year for my XXXX XXXX XXXX from the Issuer, Goldman Sachs Bank. The offer was for XXXX Bonus points when you spend {$200.00} thru XX/XX/23. I have attached a copy of an email I received from Goldman Sachs describing the promo after I had already registered for it in XXXX. 

There were XXXX transaction postings to my account during XXXX but before XX/XX/XXXX : XXXX. XX/XX/23 - Sale at XXXX XXXX XXXX : {$39.00} XXXX. XX/XX/23 - Payment : {$39.00} XXXX. XX/XX/23 - Sale at XXXX XXXX store : {$370.00} XXXX. XX/XX/23 - Payment : {$370.00} After the end of XXXX, I looked for the XXXX point Rewards credit on my XXXX statement, but did not see it. When I called Golden Sachs, the agent could not answer my question and asked me to submit a written request so they could research it, which I did. 

Today on XX/XX/23, I received a call from a customer service agent at Goldman Sachs. She advised that I did not qualify for the promotion because any Returns or Payments that posted to my account would have been subtracted from the Spend total that would count towards the Rewards Promotion. I told her I definitely understand Returns being subtracted, but subtracting Payments ( thus making them count against a cardholder ) makes no sense. By doing that, Goldman Sachs is penalizing cardholders for keeping their accounts current and/or paying more than the Min Pay Due. I also told her that was not disclosed in the Promotion.

The customer service agent was adamant that is how the Promo is supposed to work, and offered to walk me thru their Rewards Terms & Conditions to prove it. She pulled up her copy and I followed along online using a link in my online account. She read thru every section tied to Rewards Offers/Promos and there was absolutely nothing even close to stating that Payments would be subtracted from the amount used to calculate Spend ; but she still stuck to her guns, stating it would fall under other terms & conditions. 

I was reminded at the beginning and throughout the call that we were being recorded, so our entire conversation is on a call recording at Goldman Sachs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: AZ
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 found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
my business applied for credit under my business name and XXXX and my number should have been used to identify me but it was used in a inquiry another institution in search of auto financing did multiple searches instead of 1

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 2017-06-27
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: Account status incorrect

Complaint:
On XXXX XXXX XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. On XXXX XXXX XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX, I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. On XXXX XXXX XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. On XXXX XXXX XXXX XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two, basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.

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: National Auto Lenders, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
National Auto Lenders is reporting an inaccurate repossession on my credit reports. 

I have disputed this account directly with National Auto Lenders, and in return of my dispute I received a copy of a sales contract and no other documents. If they are able to report an inaccurate repossession on my reports, shouldnt they have a statement to prove all payments and fees? They should include the billing statement, proof of them notifying her when the car was sold, a letter showing how much the car was sold for and other disclosures. 

A sales contract is not proof of debt and if they can not provide valid documents to show how and why this account is reporting as a repossession, they do not have the right to report this account on my credit reports. I am requesting that all further documents be sent or this account to be deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: MO
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:
The credit companies, XXXX and Experian are not complying with their own policies in a timely manner. XXXX has reinserted a account that was removed off my credit report under a different name called XXXXXXXX XXXX XXXX this from 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 2021-12-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are fraudulent accounts on my credit reports that I have contacted each credit bureau about. I sent each of them a cover letter detailing the fraudulent information that I am aware of along with a copy of all of my identification and FTC report. I sent my documents to XXXX via fax and XXXX and Experian via certified mail. The tracking for my documents sent to XXXX is XXXX XXXX  XXXX XXXX XXXX and for Experian XXXX XXXX XXXX XXXX XXXX. Since receiving my documents, I have not heard anything back form the credit bureaus for my concerns. They are knowingly reporting accounts on my credit reports that I have told them do not belong to me and have done nothing to fix or investigate this problem. I was under the impression that is was against the law for the credit bureaus to report inaccurate information on someones credit report and that if they did not respond to my letters that the accounts would be removed from my credit reports. I am sure there is a law that proves it.

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 2017-06-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX 2010, PORTFOLIO RECOVERY - a debt collector company, continues to place on my Credit File with XXXX and XXXX. I will dispute the debt, requesting validation of the alleged debt ( or the name of the Creditor they are attempting to collect the debt ) and PORTFOLOIO RECOVERY will delete from my Credit Files, then two months later they will placed the alleged debt back on my Credit Files. I have sent numerous letters via Certified Letters requesting validation of the alleged debt and to date, no response. A clear violations of the FCRA and Federal Debt Collection Act.

Company response to consumer: Closed with explanation