BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Envision Payment Solutions, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company called Envision Payment Solutions saying i owed money from two bounced checks. This is a fraudulent claim. They are claiming I wrote to checks to XXXX ( I have no idea who this even is ) two years in a row ( XXXX and XXXX ), EXACTLY one year apart, with two SEQUENTIAL check numbers for the EXACT same amount each year. They are reporting we used checks XXXX and XXXX. This is a new account, I'm not even up that high of a number on my checks. They sent the letter to our old address even though we moved a while ago. 

I do not want to call or email this company because I strongly feel that this is a phishing scam trying to get me to confirm my name, address, and bank account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I fell victim to a scam through my university that cost me {$1000.00}. The scam was a job posting email for a remote position, and they told me that I would be provided materials for the job. They communicated with me through a University XXXX XXXX professors official email account and sent me a fraudulent check as reimbursement for the zelle payment that was supposed to be going to a sales rep for my supplies. I filed a police report and a fraud report with the FTC as well as a claim with my bank on XX/XX/XXXX. My bank, Bank of America, denied my claim and told me that they will not help me in any way because I am at fault. I thought they would protect me as a part of Regulation E, but they refused.

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 2022-12-03
Company: Experian Information Solutions Inc.
State: IL
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:
In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

XXXX  Account XXXX XXXX has violated my rights.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 non-monetary relief
Consumer complaint received 2023-06-03
Company: Checkr, Inc
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I got a ticket on XX/XX/2023 and The court dismissed it and should not be showing on my record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting 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 non-monetary relief
Consumer complaint received 2023-03-12
Company: Chime Financial Inc
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Chime card as stolen my money. I have been trying to get my refund that was sent back to the card on XX/XX/2022 from my cash app but chime is refusing g to give it back to me. I have sent them all my documentation that I got from XXXX XXXX showing they sent them my refund and still nothing. I have lost a lot from this and was late on car payments. Please can someone help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NC
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$750.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by TransUnion Credit Bureau. I sent letters to TransUnion Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for TransUnion, the inaccurate information about my accounts is still on my reports. TransUnion Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account XXXX XXXX XXXX XXXX ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$320.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$1200.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$82.00} XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX  XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} ''

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 2019-08-27
Company: Experian Information Solutions Inc.
State: FL
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:
THE DISPUTED ACCOUNTS HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT, THOSE NEGATIVE INACCURACIES NEED TO BE REMOVED OFF MY CREDIT FILE FOR I HAD NO KNOWLEDGE OF THESE ACCOUNTS UNTIL I STARTED CHECKING MY CREDIT FOR ACCURACIES. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I was going over my credit report when I noticed unauthorized items and i would like it to be removed. 

( XXXX, TransUnion XXXX XXXX ) ( XX/XX/XXXX, {$2100.00} XX/XX/XXXXXX/XX/2022 {$3500.00} XX/XX/XXXX ( XX/XX/XXXX {$760.00} XX/XX/XXXX ( XX/XX/XXXX, {$470.00} XX/XX/XXXX ( XXXX XXXX, {$260.00} XX/XX/XXXX ( XX/XX/ASPIRE, {$1300.00} XX/XX/XXXX ( XX/XX/MILESTONE, {$700.00} XX/XX/XXXX ( XXXX XXXX, {$3300.00} XX/XX/XXXX ( XXXX, XXXX, XXXX {$220.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX 
{$1300.00} XX/XX/2023 ( XXXXXX/XX/XXXXXXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX ) Bank XXXX XXXX XX/XX/XXXX (XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXX ( XX/XX/XXXX ) Personal Loan Companies XXXX XXXX, XXXX ( XX/XX/ASPIRE ) Bank Credit Cards XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX ) Bank Credit Cards XX/XX/XXXXXX/XX/2022

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 2020-03-19
Company: Experian Information Solutions Inc.
State: FL
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 a victim of identity theft. Upon checking my credit report I noticed a few fraudulent accounts that were listed. I've listed the names of each company, the date it was opened, and the balance owed on the account. I need the companies to please remove these immediately. 


XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5700.00} XXXX/XXXX  XX/XX/XXXX {$0.00}

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 2020-03-19
Company: EQUIFAX, INC.
State: AR
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I saw a couple of items that were opened on my name. These items are not mine. Please remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have attempted to add an authorized user to my XXXX XXXX credit card. A representative from XXXX XXXX informed me that the user could not be added since Experian could not confirm my phone number. However, XXXX XXXX is well aware of my phone number as I have been a customer of 18+ years with the same number. I may have been a customer before the representative was even born ... I was informed to contact Experian to request my phone number to be updated. XXXX XXXX claimed that my credit would need to be inquired a second time to check for a phone number. Why would multiple credit inquiries be required to check for phone numbers? That is illegal. Credit inquiries are required to check for financial history. I called Experian twice on XX/XX/XXXX, waited on hold for more than 30 minutes during each call. The Experian representative would say " hello, how can I help you? Hold on '', then hang up on me.

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 2021-09-21
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 is missing that should be on the report

Complaint:
I have a personal loan. I open the account in XX/XX/2019. For some reason this account only reports to XXXX. It is missing from Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX. and started to return my payments after a while i realized what is happing that XXXX XXXX XXXX is not accepting my payments. so i got in contact with XXXX XXXX XXXX and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX XXXX XXXX that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX XXXX XXXX assured me he will take care of it and make sure XXXX XXXX XXXX is reaching out to all 3 credit bureaus to remove the negative marks, till today XXXX XXXX XXXX didn't reach out to the report companies to remove the lates.

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 2023-03-14
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
When XXXX  started I was forced as a XXXX  to search for a job. With almost no experiece I filed for many jobs until XXXX contacted me sending with great opportunities. I applied for it and got sent a check home with {$4500.00} to only buy needed materials and return what was left I could not believe it, I tried checking the check online since I thought that wells fargo could detect any fraud, but no the check was in succesfully even after a day. So I continued with the job process I was told to buy a printer for doing fax in the job and buy a laptop. The laptop needed to be purchased with a company they knew to install a software and record my hours of working. The total of this was {$3000.00} but I didnt care because they sent a check fo that. I sent the money to the company and after another day the check bouced. They scammed me and left me with nothing in my account because the school I was going for even gave a XXXX  relief and that was all I had. I contacted the bank which was wells fargo knowing that they had a finacial support according to them. I called and filled a case after making me wait months theg said that nothing could be done, there was no explanaition they just said that they checked the case and my account and that this purchased were done by myself and no fraud was seen they could not help me. I need help regarding this issue like me many have gotten scammed, and I wish I could get my money back losing this money made me even stop my studies. Please 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 explanation
Consumer complaint received 2020-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was going to be a cosigner for my sister 's car she was purchasing and when my credit report got pulled I notice a list of items that did not belong to me. Can you please remove these items from my credit report. 

XXXX XXXX XXXX {$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 explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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:
Equifax did not exercise proper security measures and resulted in my information being compromised. They have opened me up to identity theft and have only made a token offer to monitor my credit for one year. This service costs ~ {$20.00} per month afterwards and much of my data will not change over the course of my remaining years on Earth ( approximately 55 more years based on average life expectancy ). This is over {$13000.00} over the course of my lifetime paid to Equifax. {$13000.00} to trust a corporation who has already handed my information over to criminals who have the potential to steal countless money from me and ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was with XXXX  with XXXX loans until XXXX when I consolidated to take advantage of XXXX. My XXXX  forms were submitted in XXXX, XXXX, and XXXX of XXXX. I was told by Mohela I was slated for forgiveness in XXXX of XXXX because I had enough payment counts based on their looking at my ecfs. 

Long story short, they have not included the years XXXX through XXXX because they say the nslds is not updated. They say they have to wait for XXXX to update the database. The XXXX and the nslds both say that Mohela is the one to update the database. The Mohela site itself says Mohela reports to the nslds. The student.gov site says the nslds is updated by servicers and universities, not the XXXX. Mohela would certainly fall under the servicer category. 

So I am at an impasse. My account should be well over XXXX however they only show XXXX because we are missing those 5 years. XXXX of the supervisors at Mohela said she could see on another database, the cdel (? ), that I began repayment early XXXX. However, they will not update the nslds for an unknown reason that they can't even explain to me other than they are waiting for XXXX. 

I am now about to be billed {$500.00} a month for the next XXXX years until my counts are over XXXX. They have had the paperwork for almost 2 years now ; that should be long enough for the processing they have told me for a year and a half that needs to happen Since this has been nearly 2 years of communications with them, I'm not going to give you a laundry list of dates at this point. I will say that I do have copies of my ecfs, and I also have my printouts from navient showing my payments going back to XXXX. I have also requested formal payment records from navient which should be coming in a couple weeks. 

I have made several complaints to XXXX, to mohela, to the XXXX XXXX XXXX, and to my state representative. Complaint case numbers can be provided as you need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation