BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: AR
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:
Today Experian dropped my XXXX score XXXX from XXXX to XXXX because I do not have credit card balances. It showed my credit card utilization at XXXX, even though I use my cards every month I also pay what I owe every month, isnt that called having good credit? However, Experian decides to punish me for it instead. Can you please repair this unfair practice? 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 2023-01-13
Company: M.A.R.S., Inc.
State: AZ
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:
M.A.R.S. INC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX, Account # XXXX has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Additionally, I exercise my right to opt out of any and all authorization I, the federally PROTECTED consumer, may have given MARS INC whether it be written, unwritten, verbal and nonverbal, pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I bought a XXXX  XXXX XXXX from XXXX XXXX  XXXX, in XXXX, FL. I never agreed to interest or a $ XXXX monthly payment, and I never agreed to financing through Chase Bank. I purchased the car on a XXXX  and they switched my signature and all my info over to a loan from Chase Bank, instead of XXXXXXXX XXXX XXXXXXXX Financing like they told me they were using at 0 % interest, and put my loan through to Chase Bank without my knowledge or permission that has interest on the loan. I tried to return the car within the 3 day period after buying it when I found out the car company lied to me about the terms and interest and who was going to finance the car for me. XXXX XXXX XXXX and Chase Bank Corporate both received complaints from me via telephone demanding they either comply with what I agreed to or take the car back. They both refused and told me that because my signature was on the paper, they didn't have to do anything. I confronted the salesman and the manager at XXXX XXXX  XXXX demanding they fix it or take the car back. They told me the salesman tried to put it through XXXX XXXX  XXXX XXXX at 0 % interest like I agreed to, but it wouldn't go through, so he put it through to Chase Bank without my knowledge and it included interest and a higher payment. They said because he used my signature the only thing that mattered was that my signature was on it, so they didn't have to do anything. I told them I don't want to pay interest because of my religious beliefs, XXXX - while I was in the store on Sunday buying the car. They also later told me that since he did the paperwork on XXXX, the computer didn't catch it, so it went through. When I went to the XXXX, they told me that XXXX XXXX  XXXX submitted paperwork to them that said I was only LEASING the car and I was leasing it through XXXX XXXX XXXX XXXX and when I " was done making the leasing payments they would give me the title to the car ''. The XXXX employee at the Tax Collector 's Office turned the computer around and showed me where it said XXXX XXXX  XXXX Financing. When I confronted the dealership they said they didn't have time to fix the records they submitted for the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2017-05-11
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX   XXXX   XXXX  is reporting a dept on my credit report in the amount of {$170.00}.   I am getting harassing phone calls from  REMEX INC. w hich is the debt collection agency that  XXXX   XXXX   XXXX  submitted the debt to. Each time no one would give me any information. I never received documentation from  XXXX   XXXX   XXXX  or  REMEX INC. statin g that I owed {$170.00} or even for what service was provided as the reason for owing.     I found out about the above issue by pulling up my credit information before I recently purchased a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: TD BANK US HOLDING COMPANY
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: Old information reappears or never goes away

Complaint:
XXXX reports 1 late payment. I wish to have it removed or taken away. Ive never missed a payment. 
I have been on SS XXXX since 2019 There are derogatory accounts as well since they cancelled my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer reporting agencies violated my rights as a consumer under United States Code Law 15 U.S.C. 1681b ( a ) ( 2 ) FURNISHING a consumer report in a circumstance other than in accordance with the written instructions of the consumer to which it relates. 


I did not provide written instructions that would allow for a consumer report to be shared. Under 604 Permissible purposes of consumer reports, 15 U.S.C. 1681b, said report can only be shared by my specific written instructions, which I did not provide.

I demand that the following accounts be removed at once from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the consumer reporting agencies are also in violation on these accounts with respect to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) by their willingly and knowingly providing a consumer report containing information solely as to the transactions or experiences between the consumer and the person making the report. The law explicitly states that a consumer report does not include these items. Therefore, the aforementioned accounts and the transactional information relating to them must be removed.

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 2017-05-10
Company: Army and Air Force Exchange Service
State: KS
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 live in Kansas and when I called military star they stated the account was opened in Texas. I attempted to dispute the card and they continued to report to the credit agency. I do not qualify for a military star card, I have never served in the military.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account .. . .I e ven got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name

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 2023-05-20
Company: CL Holdings LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My deceased ex boyfriend opened a XXXX account in my name in XXXX TN in XXXX I had no knowledge of this account till XXXX. I talked to XXXX and they cleaned the account on their end but Jefferson capital is still trying to collect on this account and the lady I talked to was very rude and told me its my own fault I didnt call the cops or pay my bills. I cant and wont pay a bill I dont owe. The account was opened Fraudulently and I shouldnt be held responsible for it, also there is no way to charge the other person for this debt they are deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2017-05-10
Company: American Credit Acceptance, LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased a  XXXX   XXXX   XXXX  from  XXXX  in  XXXX  NC in  XXXX   XXXX . The vehicle was Financed "  American Credit Acceptance  '' on  XXXX   XXXX ,  XXXX  I applied for a Re-financed Loan with  XXXX . I was approved. As previously financing a vehicle with  XXXX , I assumed the check was out, and everything was as normal. However, in  XXXX , " ACA '' contacted me to inform me the loan was past due, I made a payment of {$1000.00} out of good faith while I tried to resolve the matter. Only a Few days later, " ACA '' Repossessed the vehicle in the dark of Night, and THEN told me I needed to pay {$2000.00} to get me vehicle back. I offered Proof, they were not interested. Only after I vented my frustration, they offered me a deferment. WHY was n't this offered before collecting the unit. I was very vocal about what I was doing, and the process in place. The they offered the repossession fees only of {$670.00}, in order to reclaim my vehicle. As I am in the middle of   XXXX   in the  XXXX   XXXX , this repossession KILLS my eligibility, when I 've worked for over 2 years in preparation, paying down debt, refinancing loans, rebuilding credit in order to obtain security clearances. My credit bureau shows 76 days late, and a repossession.      XXXX , quickly resolved their issue within 15 minutes. After HOURS on the phone with " ACA '' my vehicle is gone, along with my military aspirations!     The way I was treated on the phone, was criminal!   The unethical collection practices of  American Credit Acceptance  is CRIMINAL!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-05-10
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received a Stafford Subsidized and a Supplemental loan in   XXXX   to attend  XXXX  College Of  XXXX  which is located in North Carolina. Though I must admit that I have not always been diligent in my repayment of this loan, It seems because of the interest charges and whatever ; I have almost certainly have repaid this loan three or more times over. I requested a loan Discharge Application School Closure form in an attempt to get the loan expunged because the school closed before I was able to graduate, and after completion of the form I was denied. Here is the information from my loan :  Supplemental Loan  original principal - {$2300.00} total to be repaid - {$3200.00} current balance - {$2900.00}  Stafford Loan  principal - {$2600.00} total to be repaid - {$3300.00} current balance - {$3000.00} total current balance - {$6000.00} Disbursement date  XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: Chime Financial Inc
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I woke up to two emails from Chime this evening : One that said a new login was detected on my account, and another that confirmed the opening of a checking account, the card would be on the way soon. I did NOT authorize any of this, so obviously I was alarmed. 

I do have a Chime account that I did make years ago, and last year I updated the information, most notably my phone number. I had to talk to customer service for this, because it's a XXXX number ( moved ) and I wasn't getting any codes. They fixed this over the phone, but tonight I couldn't log in and when I went to use my same number for a password reset - it's a completely different number I don't recognize. 

This meant I had to call them, so I did and explained my situation. The woman on the other end was nice, but didn't seem to totally understand my situation completely no matter how I worded it. She got the phone number issue and said she would email another department to get it changed, but that isn't urgent enough considering the situation- and they would not answer my questions about who logged in, how they were able to get in and change my number with no notification to me, etc. After this call, I followed up with an email to XXXX explaining it, but no response there yet either. 

Such a slow response to something like this is NOT acceptable. At this point I want any account I have with Chime to be completely closed, and for any attempts made to open an account using my email to be axed. Nothing has shown up on my credit alerts or reports, but this is still alarming either way. Shady company that needs to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my reports, the incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified items without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to remove immediately : 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 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 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 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 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 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 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 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

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 2023-10-16
Company: Nelnet, Inc.
State: CA
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:
My credit report is showing late payments to Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX XXXX Dept Of Ed/Nelnet XXXX, and Dept Of Ed/Nelnet XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or Nelnet 's customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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