BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-11-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Nelnet, Inc.
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to state that I am refusing to pay for this alleged debt in pursuant to 15usc1692e ( 2 ) ( A ) Great Lakes has been making a false representation of the amount of the account balance owed and legal status owed which is a violation of congress ' request.. I am refusing to pay a debt that I have already credited to the U.S. Department of education in a form of a finance charge. The US department of education has sold the debt to great lakes which means Great Lakes is now responsible for paying for this alleged debt. Great Lakes is a debt collection agency that is being deceptive making me look like I owe this alleged debt when in fact that is incorrect. 15usc1692a ( 6 ) Great lakes is asserting that I owe a debt balance which makes them a debt collector. Great Lakes can not communicate with me unless this debt is terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-26
Company: Experian Information Solutions Inc.
State: FL
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-22
Company: CAINE & WEINER COMPANY, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX insurance nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did not open or use this account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-03
Company: Navient Solutions, LLC.
State: NY
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:
My loans are serviced through Navient. I have been on the REPAYE program for 2 years. I receive all of my correspondence from Navient through email including a debit warning and payment confirmation every month. I did not receive a notice about my annual renewal for REPAYE and missed the deadline to recertify by 2 days. There was a single notification in the Navient Inbox with all of the payment confirmations that I get by email but this one was not sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Nelnet, 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: Account status incorrect

Complaint:
Every week my credit score has been dropping in free fall XXXX or XXXX points since my federal student loan account changed from Great Lakes to Nelnet. Ive tried contacting Nelnet with no success. Im very upset. We are in the process of trying to get preapproved for a house and I have no stability as Im being penalized for this loan account being transferred and even worse its not everyone with accounts that transferred. Besides the gross negligence of this on someones perfect credit history, with knowing that its not being handled the same for everyone the obvious questions are why me and when is this going to stop? Forget getting rectified I have XXXX faith in that but my credit score has already dropped XXXX points in a little over a month and with no end in sight I just want to know what I can do during this extremely frustrating time. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$2900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
My Information Was Fraudulently Used At Synchrony Bank For An Inquiry. Im Not Familiar With This 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 non-monetary relief
Consumer complaint received 2023-07-23
Company: Affirm 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:
Due to Covid financial hardship and loss of income these are suppose to be taken off of my credit report please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, we purchased a RAF ( Right-Arm Facing ) ( XXXX ) order number is XXXX from online store https : //www.ashleyfurniture.com/sofa ( we have all the printed documents and evidence that we ordered this RAF sofa ). XX/XX/XXXX the sofa was delivered, I signed the paper that I got, but after unpacking, we saw that the sofa was LAF ( Left-Arm Facing ). Next day we went to Ashley store and they confirmed that we ordered the correct sofa and the error of the online store, but they could not help us since this is an online store and stationary stores do not apply to it, they also said that they can only be reached by phone. We tried to do this several times - but it is impossible. Then finally we contacted Ashley over live Chat and first they proved that we ordered the wrong sofa ( we have printed that chat ), but then they agreed that we ordered the correct one ( we have all the documents proving this ) and the error was on the web page said that the another couch will be delivered in a week and this one will be taken away. And since then, it has been impossible to get through to the Ashley and sign on, since then, the room has the wrong sofa and the packaging is kept in the pantry. In this regard, we opened a complaint to the Synchrony bank that issued the loan, and as it turned out later, this Synchrony bank and ashleyfurniture.com work together it is impossible to prove the complaint here as corruption, since they agree together. The Synchrony bank opened the complaint on XX/XX/2020 after 60 days there was no response. After they said to wait another 2 weeks, then they said that they themselves could not contact the seller. We called the Synchrony bank several times, then they said that they could not find complaints, then we still need to wait, in the end, not 60 days passed, but 120 days and they closed the complaint in favor of the seller. We do not agree since the Sofa was not replaced, and if they can not, we did not receive any full refund. Synchrony Bank close dispute for some unknown reason like can not judge the quality of merchandise receiver, while we did not get any exchange of our purchase and did not get full refund. We ordered correct sofa online, but get wrong one. ( we have all the documents proving this ). We can't get the truth for 4 months. 

The bank now demands to pay money for a purchase that we did not order! 
We do not agree with this! 
Please Help! 
My name is XXXX XXXX Credit card number XXXX Ashley Synchrony bank

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 2022-09-16
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was contacted by Citibank about 2 months ago regarding my checking account. The letter stated that the IRS was instructing the bank to start back up witholding due to the number of withdrawals I was taking out. To date I have received nothing from the IRS in regards to this. The bank sent another letter last week requesting a W-9 form. Due to the fact that I have not received any documentation from the IRS, I will not submit any type of documentation to Citibank and request that they no longer contact me in regards to this unsubstantiated issue. 
Upon reading the documents sent by Citibank I noticed that they have two ( 2 ) different ending account numbers. The account ending in XXXX is not an account that is used and not completely sure at this time that it is actually an account that I have opened. Also in the documentation dated XX/XX/2022 Citibank stated that the Internal Revenue has given them notice of this account. How can that be when I have received no notice from the IRS as stated previously, however the document states at the bottom that I should contact the IRS if I have not been notified. The same way that the IRS allegedly contacted Citibank I should have been contacted as well.

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 2022-09-16
Company: Credit Karma, LLC
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: Problem with personal statement of dispute

Complaint:
I use Credit Karma to monitor my credit- and work on trying to repair my credit. I've received several notifications from Credit Karma of offers on loans and credit cards. I eventually took them up on a pre approval offer - When I applied to a company called XXXX XXXX XXXX  on XX/XX/XXXX of 2021. I was denied because in fact I was not preapproved and plus you have to an automobile as collateral to get a loan - which I was not even aware of. This placed an hard inquiry on my credit report, which brought my score down several points also the hard inquiry stays on your report for 2 years which last for two years. I would have never applied if was not made assure that my approval rate was high for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Duncan Solutions, lnc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made payment for outstanding parking balances owed on XX/XX/2018 through the website XXXX. The amount I paid was {$87.00}. This company just contacted me stating that I owe {$65.00} for parking ticket on XX/XX/18 that was included in amount I paid for {$87.00} on XX/XX/18. When I called to verify this with the company, they were very confused and said in their system it showed that I owe over {$300.00}. This is fraudulent debt and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed identity theft affadavit with the ftc on this debt.this company is still trying to collect the debt and have not provided any verification of the debt having my wet ink signature

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
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:
On XX/XX/2019 ; I filed a dispute with Experian in reference to two credit bureau marks filed by XXXX. XXXX XXXX, XXXX on my Experian credit report. Four days later on XX/XX/2019 Experian came back and stated the investigation was completed and the information was verified as accurate and that they would not remove the information. 

I did not agree with the investigation so I filed a second dispute on XX/XX/2019 ; stating that the information was not accurate because the alleged debt had not been adjudicated by the XXXX County Superior Court. On XX/XX/2019 ; Experian again stated their investigation was complete and the alleged debt was accurately reported. 

I again did not agree with the investigation results so I placed a call to Experian on XX/XX/2019 and spoke to a representative who didn't want to assist me properly and filed a third dispute after I stated that a third dispute would be pointless since Experian hasn't performed a full and proper investigation the last two times. Again Experian came back on XX/XX/2019 and stated again that the information was accurate. I uploaded a copy of my appellant memorandum to show that the debt was not adjudicated yet. 

On XX/XX/2019 ; I placed a call to Experian and spoke to a dispute representative and again reiterated Experian 's position that the information was correct. I pointed out that how could Experian state on one side that the information was correct and accurate because it was given to them by the collection agency and the court information I gave them showing them it wasn't adjudicated yet and not accurate as of this date. He stated that Experian was going to side with the collection agency. 

It appears that since XXXX. XXXX XXXX pays Experian a subscription fee, it's not in Experian 's interest to full fill their obligations under the FCRA and do a proper investigation and remove this collection agency information on a debt not illegally able to be collected on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: AFNI INC.
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I requested a copy of my credit report and I noticed I had a collection account being reported by AFNI , Inc. in the amount of {$660.00} previously owned by XXXX XXXX XXXX which does not belong to me. I wrote several letters and XXXX  now reports that this account is mine. I was in a XXXX XXXX  in USA since XX/XX/XXXXand there is no way this account belongs to me. This has affected me adversely since I am trying to clear this matter and it still continues to report on my credit report. I wrote to AFNI, Inc and XXXX including evidence that I was incarcerated during these periods.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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 is my fourth 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 Balance : {$610.00}

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 2020-12-22
Company: Experian Information Solutions 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:
My payment with XXXX XXXX is due on the XXXX of every month. XXXX XXXX is reporting a payment as 30 days late on my credit report from the month of XXXX  of XXXX that was paid on the XXXX of XXXX when the payment was only 8 days late. XXXX XXXX is also reporting my XXXX  of XXXX payment as 30 days late when it was paid on the XXXX only making it only 12 days late. I also made an extra payment of in XXXX of XXXX but XXXX XXXX knows that they get more interest if I don't make extra payments so they are tying to penalize me for a month that I made extra payments on, hence why they are being dishonest on my credit report about my payment date. I use XXXX XXXX online portal to make payments and I have attached screen shorts of payments that were process by XXXX XXXX  on the XXXX of XXXX XXXX and on XXXX of XXXX. XXXX XXXX is not being honest and is abusing their power of not having the late payments removed by not agreeing to remove the late payments. XXXX XXXX can clearly see in the online portal that the payments were made within the 30 day time frame.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Between XX/XX/2018 and XX/XX/2018, your RECEIVABLE collections account was removed from your credit report. 

This account was removed and re-inserted ... I was not notified ... and this is violation of F.C.R.A. law, litigation will follow, because original creditor ( XXXX ) stated that they did not verify, and a debt can not be collected twice ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Chase Card Services refuses to refund or investigate fraudulent charges made by XXXX XXXX in the amount of {$2400.00}. XXXX XXXX charged my credit card {$2400.00} for work which was covered and paid by my insurance carrier. I never received a bill. I made an agreement to pay only if services were not covered. The XXXX  office has frequently charged both myself and the insurance company, and refuses to return my funds. I signed an authorization form on XX/XX/XXXX indicating I would be responsible for any services that were not covered by my insurance carrier. 

I have reached out to Chase card services on several occasions to dispute this item. The very fist time was approximately XX/XX/XXXX, I was told there was no wrong doing found, and the case was closed. I called back in approximately late XXXX, early XXXX, to reopen the case. I was told to visit a branch to have the supporting documentation faxed over because Chase was having issues with their online document portal. I did as requested, and went to the branch. The {$2400.00} charge has not been removed. I spoke to a representative on XX/XX/XXXX. I was informed too much time had passed, and there was nothing that could be done. 

I have been attempting to work with the merchant to resolve this issue. Whenever I call clinic, the receptionist tells me the manager must fix the issue. However, the manager is never available. She is either always out of the office, or she is in a meeting. There is never anyone else to speak to.

Company response to consumer: Closed with explanation