BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: RockLoans Holdings LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
So my identity was stolen someone took out a fraudulent loan under my information with Rocket loan company. I reported it to the police and the fbi I mailed the report to rocket loan and called them. They refuse to clear the name and still demand I pay them when I didnt authorize the loan or them to access my bank or social. They do not help me and I have no option but to look into legal options.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: CA
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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-07
Company: Experian Information Solutions Inc.
State: SC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX SOUTH CAROLINA ) XXXX XXXX : {$680.00} ; XXXX XXXX XXXX XXXX XXXX : {$120.00} ; XXXX & XXXX ( XXXX XXXXr : XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$7800.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$420.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; BXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2019-06-21
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
I purchased a Refrigerator on a store Credit Card. I mistakenly decided that I would use my ability to use cash advance to pay off another credit card to transfer the store card balance to my Chase MC that offered no interest for 12 months. I payed the XXXX " process '' fee. I should have had a red flag then. I have paid on my balance for 6 months now and have no discernable difference in the balance of the transferred to 0 percent APR balance. I called them about this and I have NEVER had such a go around the bush explanation for why this is happening. Once XXXX get 's here I'll be paying major interest on this purchase, more than if I had left it on the store card. This is a sham of a way to get you in a spiral upward issue with interest on one 's Credit Card. 

I am at this point just going to pay all but XXXX of the balance and be done with this completely by XXXX and not use the Chase card again, even for my Amazon XXXX unless I can pay off within the month. I certainly will NEVER use a convenience check/cash advance on this card. 

This type of usury should be outlawed, or the CFPB do something about. This is akin to payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information 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 non-monetary relief
Consumer complaint received 2018-02-22
Company: Navient Solutions, LLC.
State: UT
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:
The payments that I am being required to pay, I can not currently afford. I have been trying to get an income based payment plan set up for 1.5 years now and the company will not send me the paperwork. This is absolutely ridiculous. I want to get my loans paid off but I can not afford the large payment. I have called them over 8 times over the last year and a half. And every time they say they will send me the paperwork but I've never received it. Every time they place my on forebearance and collect more interest. I have asked if I can fill it out online and they have told me no. I finally logged on and found the paperwork. So they intentionally lied about that just so that I would be accumulating more interest. I just think this is absolutely absurd and thought it should be reported. This is happening to borrowers all over and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Experian Information Solutions Inc.
State: CA
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:
Investigation took more than 30 days and nothing was changed when clearly there are misleading information on my credit report ... incorrect and INACCURACIES still exist ... clearly the evidence is in black and white... attached is my 3 accounts from Self lender that needs to be deleted immediately for violating my consumer rights!!

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 2023-03-07
Company: Experian Information Solutions Inc.
State: IL
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021

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 2023-09-08
Company: Experian Information Solutions Inc.
State: AR
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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the recent experiences I have had with your institution in attempting to open account. My name is XXXX XXXX, and I have been a long-standing customer for several years, which is why my recent experiences have been particularly disappointing. Over the past, I have made multiple attempts to open new accounts with your institution. Unfortunately, all of these attempts have resulted in significant delays and inconveniences, which have caused me great frustration and concern. The initial application process for opening accounts was straightforward, but I found that there were significant delays in receiving updates and responses from your customer service team. I often had to follow up multiple times before receiving any meaningful communication. On several occasions, I was informed that certain documentation was missing or incomplete, which further delayed the process. This was despite my best efforts to provide all required documents promptly. The repeated delays in opening the accounts have caused me considerable inconvenience. I had to reschedule important financial transactions, and the uncertainty surrounding the account openings has been a source of stress. 

I understand that unforeseen circumstances can sometimes lead to delays in banking processes. However, the frequency and severity of the issues I have encountered are not in line with the high standard of service. As a loyal customer, I believe that it is essential for your institution to address and rectify these issues promptly. 

I kindly request that you investigate the matter thoroughly and take appropriate actions to prevent such issues from occurring in the future. Additionally, I would appreciate it if you could expedite the process of opening the accounts that are currently pending, as the delays have already caused me significant inconvenience. 

I value my relationship with you and hope that this issue can be resolved promptly to restore my confidence in your institution 's services. I would like to outline the issues I have encountered about this late open account : XXXX XXXX Balance : {$170000.00}.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have repeatedly attempted to correct inaccurate and incorrect information on my consumer report, to no avail. This is my final attempt before i take it to court. 

SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-06-22
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:
Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} ; Inquiries : XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry DateXXXX

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 2022-05-14
Company: EQUIFAX, INC.
State: RI
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:
XXXX XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 


I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXXXXXX XXXX business relationship with the consumer reporting agencies, ( such as Equifax, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Wanted to puchase a good from a merchant that stated they had it. The merchant wanted me to send money through CashApp and they will send a receipt of them shipping to my address once they got the money. Right after they got the money, they blocked me. I asked for a refund through the app, the merchant denied my refund request. I emailed CashApp support but they will not do anything. I did not get my purchased goods and I did not get my {$290.00} back. I got scammed. CashApp keeps repeating automated emails to me without actually doing anything. They do not want to help me get my money back. I tried disputing with my bank since my CashApp account has my card saved there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I contacted the company in XX/XX/XXXX as the loan was acquired in XXXX of XXXX for payoff. At that time I was told that were assisting people with the pandemic and would be able to extend the loan for 4 months. That would have been in XXXX. In XX/XX/XXXX, I contacted them again only to find out the there was a remaining {$2600.00} on the loan. Of course during the financial hardship of a pandemic, I was unable to pay off the balance in full and continued to make payments. I made the last and final payment as instructed by a phone representative XX/XX/XXXX. I asked at that time if the {$220.00} in late fees could be waived since I was making the last payment and the account was never paid 30 days late. The representative advised that the late payments could not be waived, however they would not have a due date, they would not accrue interest and would just hold up the title transfer process. Due to the pandemic again, I could not afford to make any payments towards this accounts late fees. Just recently the amount has been sent to collections placed negatively on my credit report, and how someone now gained {$11.00} in unpaid principle. Which is now accruing interest. No one has been able to explain how the unpaid principal has occured, nor how and why this item is reported as a negative item on my credit report, when there was not a due date. My online account has nothing to explain this and the only thing I received was a demand for payment. I never received anything stating this amount was due.

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