BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Disputed this and the credit reporting company told me to call portfolio recovery i did and they told me to call the credit bureaus. Portfolio agreed to remove the item off my credit report but it is still there and they will not do anything after I 've called multiple times. I only have the {$0.00} balance and closed letter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I contacted Great Lakes regarding my Bankruptcy and that I was ordered into repayment of $ XXXX because of the student loans which I have been paying for several years and Great Lakes is also wanting to me to repay them also the $ XXXX. 
I sent Great Lakes the Bankruptcy Order of repayment. My student loans with Great Lakes were put into Default and now sent over to Nelnet and I must set a up a payment schedule. 
I am still paying the court order bankruptcy repayments as ordered by the Bankruptcy Ordered to pay off the Student Loans. However, by setting up a payment scheduled payments with Nelnet I would be paying double the amount. 
I Filed Bankruptcy in 2015 here in district of XXXX of Florida and submitted my repayment and court ordered repayment to Great Lakes a couple of years ago and to date have never received any response. I have also talked to them on the phone a few years ago and they have told me that as far as they were concerned, they have no records of the bankruptcy, and I must repay all student loans. 
I also enrolled at XXXX University Online under the guise that I was taking courses for XXXX and XXXX XXXX and that was not the case. After many inquiries after a couple of years of them telling me to continue taking classes and the classes would get to the XXXX XXXX and XXXX one person finally told me they did not offer XXXX XXXX and XXXX at their college. They deceived me and signed me up for courses I was not interested in and beyond my scope or educational background.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following creditor is showing on my credit report and I have no knowledge of this account : XXXX XXXX XXXX XXXX XXXX  Amount owed {$630.00}

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 2023-12-05
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax I see that you verified the account listed below : XXXX  | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX Biased. Fix the balance information. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

XXXX | XX/XX/2023 : Account number : XXXX, Biased. Fix the balance information. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The credit card company in question ran my credit without my permission at a random time, then canceled my card even though I had good standing credit with them,. I was not late, delinquent or otherwise. My payments were current. I have never been so insuleted and appalled in my entire life! They did not have permission to run my credit and I did not ask for my account to be closed! Now my credit score has been altered due to an account being closed!

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 2016-01-29
Company: YKS Acceptance, Inc.
State: WY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
We purchased a car at XXXX auto in XXXX, Colorado with financing thru YKS Corp. We made above our required payment each payment but we 're always told we were behind in payments and being charged late fees and penalties. When we traded our car off at another dealership they tried to tell us we still owed payments. The car had over XXXX miles on it when we bought it and yet they would n't follow thru with their warranty program for repairs either. We had nothing but problems with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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:
This item on my credit is fraudulent. Never sign any contract with this company for any purposes. Also the address this institution has for me on file I never resided at. I've contacted this company many times and had no success. I'm trying to move on with my life and this institution is holding me back.

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 2017-03-30
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company said they would remove my the account off my credit report and they have not even tho I paid the settlement for a delete

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened HSBC choice checking account during XX/XX/XXXX via promotion code which says that I will get {$350.00} if I : " Receive at least one qualifying direct deposit per month into your new HSBC checking account for three consecutive months within 120 calendar days of account opening. A minimum cumulative amount of {$3000.00} is required. '' On XX/XX/XXXX - I was told via the secure message center email that I have fulfilled all the conditions and within 8 weeks I will be getting {$350.00} cash bonus. I am maintaining required {$1500.00} balance also so I am very much eligible for this {$350.00} bonus. During end of XX/XX/XXXX - I reached out to them once again in terms of when i am getting {$350.00}. I got a response on XX/XX/XXXX that I wo n't be getting {$350.00}. So they are contradicting their own statements. HSBC has troubled me at the time of opening this account also and I need to reach out to CFPB regarding that. Once again they are trying to deprive my well earned cash bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I hereby ask you to protect American customers and consumers from this fraud-like Organization ( Moneygram ). It is an online money-transferring business. I have submitted the transaction on the XXXX of XXXX in the amount of XXXX XXXX It is quick and small help intended for my XXXX. Although the transaction supposedly takes XXXX days, I have proceeded with the transaction. 
But today is the XXXX of XXXX, and it has been XXXX days since I made the transaction. I have received an email on the XXXX saying that the transaction had been approved after XXXX days, and my mother came and tried to pick it up. However, the teller informed my mother that MoneyGram hadn't released the transaction. It is still pending at the Moneygram system. 
I have filed a complaint on the XXXX around XXXX am, I have never heard back a response. I've contacted Moneygram the following day, on the XXXX of XXXX, and customer service threatened to cancel my transaction without a service fee refund, or I have to wait XXXX more days to solve it. I have no problem canceling the entire transaction. However, I have no desire to pay a fee for these unprofessional scammers. 
I hope CFPB looks into it to protect individuals from the inadequate organization with false promises, terms & conditions, and irresponsible threatening behavior towards consumers & customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Northwood Asset Management Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The number XXXX and XXXX has called me for weeks after I have asked them not to. They are calling about my brother who has never used my number or name as a cosigner on any loans. They threat to serve him. I 've XXXX the numbers and people seem to say it 's a scam. I confront them about being a scam and taking my number off their list and they get highly defensive and typically hang up on me. I keep answering because I want to get some answers and keep stating to take my number off of their call list.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Under personal information, there's an entire paragraph stating that the reason the credit cards haven't been paid is because I'm on XXXX XXXX in The Military, and I'm certainly not in the Military! I take Great Offense to this, because I have the utmost respect for all our soldiers here and overseas, past and present and whoever put that there has no respect for my Country and it's disgraceful, and it wasn't there yesterday I'll tell you that right now and it makes me nervous.

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 2017-03-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XX/XX/2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2023-11-18
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a person claiming to be a representative from chime ( chime is my online bank ) stated there was fraudulent activity on my account. He already had all of my info, my full name, my address, my email, my phone number and my pin number and my login details. He then proceeded to tell tell me that he was going to send me a temporary password and then i would have to provide him with the password to make sure it was correct which I did and as soon as I did the line disconnected and when I tried to call back it kept going to voicemail. On the following day I received an email stating XXXX $ was transferred out of my account WITHOUT my authorization. And I called Chime and I spoke to a representative and the rep. saw the person who talked to me the day before MADE notes on my account. And ever since I made appeals and kept getting denied saying it was my fault and there was no Error and I provided Chime with more than enough info than needed to the point that the Fraud 's department supervisor was also surprised that I've been getting denied 4 times in a row when it was fraudulent activity and also identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I currently serve as an XXXX in the U.S. XXXX. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their XXXX that will likely put many servicemembers in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. 

A little over a year ago, I, along with many friends currently in XXXX, opened a Barclays Gold XXXX with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX, I wrote Barclays, on XX/XX/XXXX, to ensure this would not affect me as the terms of my SCRA benefits should apply prior to changes. In an email Barclays assured me that I would maintain these benefits until end of my XXXX period. Today, XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$1200.00} dollars. I called and talked to Barclays ' management, who had the correspondence on record, and they informed me I would be required to pay this for the next billing period. 

I write this letter not to drone on about my financial burdens, as fortunately I will pay my balance and close the card to avoid yearly charges. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % APR. When I asked Barclays management, on the phone, if they were aware the bind in which this will likely put countless servicemembers, they responded, " Yes, we are aware they are very upset. '' These servicemembers now face the decision to either pay their balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX and Veterans a piece of mind in making financial decisions. I also hope that those who are XXXX servicemembers were not impacted by this blatant abuse of their trust.

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 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 2017-05-09
Company: Caliber Home Loans, 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:
This Finance Company sold my mortgage to  XXXX   XXXX  and also is reporting public credit report   XXXX   that I still owe a mortgage loan. My account ins blocked in their website

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I am a XXXX  XXXX. I will be XXXX XXXX  of age at the end of XXXX. I am reaching out as I have received communication from a debt collector. This particular collector has been inappropriate, contacting family members about my financial information and debt that I may not owe. I am a ill person with several XXXX  XXXX. Although I once was able to handle onslaughts such as this in the past, I now find I need help managing because of my medical state. At times I have problems paying my co pays for my meds. After requests for verification I was told that I can be sued if I did not cooperate. All I asked was who are you, and what debt do I owe and they did not verify. I will readily come to a reasonable agreement but I need to be met at a place where I am ; I need clear knowledge of who I am paying and why. I feel uncomfortable and harassed with the calls such that I am afraid to answer my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: National Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen on XXXX. One of the resulting charges was for a XXXX XXXX not even in my state. I filed, contacted each company and worked all this out. Now XX/XX/XXXX XXXX is calling telling me I owe this debit and they've been hired to collect it. They, a woman named XXXX, said I owed {$2400.00} to XXXX XXXX from XXXX. I explained to her exactly what happened and she said " these people have your name, DOB, and social. " I will email the form needed to file fraud charges. '' They have continued to call via recording left on my voice mail that they are trying to collect a debit. I have contacted the company XXXX, XXXX XXXX, who says I've never had an account with them and I'm not in their system, and the XXXX XXXX Sheriff 's department to file again. I have called XXXX multiple times never returned my calls or sent me an email or letter in the mail. This makes me feel that certain someone is using my identification fraudulently but has started again since recently my bank acct was recently hacked and this is all connected to XXXX XXXX XXXX. I asked for a cease and disisst for calling me and informed of XXXX Complaint, contacting you, put me on your do not call list, and I've filled the police report I believe these are connected and pray for relief. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief