BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-25
Company: Experian Information Solutions Inc.
State: MA
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: Was not notified of investigation status or results

Complaint:
How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2023-12-02
Company: LEXISNEXIS
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have sent a certified letter to LexisNexis on XX/XX/XXXX and they received it on the XX/XX/XXXX. the letter stated to remove bankruptcy because the courts didn't provide no information has such. their respond was they haven't received it, so i send the information again today XX/XX/XXXX certified. it also includes my ID, XXXX bill to verify its me, which the previous letter also included. 


XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL, XXXX LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX To Whom it may concern : This is the second time XXXX sending this later first was on XXXX/XXXX/XXXX now XX/XX/XXXX, which you claimed you havent received. I have a certified receipt that it was delivered and this one will also have XXXX. 
I noticed your furnishing information on my consumer report which is confidential. I have a letter from the bankruptcy court saying they do not report any filings with credit agencies. 
According to 15 USC 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
This is a violation of my rights as a consumer, so delete this immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-12
Company: EQUIFAX, INC.
State: NJ
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 constantly check my credit report and noticed that there are errors and false misleading information for individuals accounts and didnt meet the credit reporting standards of being 1005 correct. This information has effected my life and damaged my livelyhood.

This is holding me back from getting approved for a house. I am demanding CFPB to enfore the correction and delete these items. I XXXX XXXX is authorizing this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: Experian Information Solutions Inc.
State: DC
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 have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX  and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has screwed up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XXXX, XXXX and XXXX involving this account. The account has never been delinquent, but my score is screwed with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as XXXX points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.

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 2020-06-17
Company: EQUIFAX, INC.
State: DC
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 have contacted the three credit bureaus regarding XXXX XXXX account on my credit report. The law says that delinquency are to remain on credit reports counting from the first time the account was delinquent. The first time that my account appeared delinquent and reported by XXXX XXXX was in XXXX. All three credit bureaus dropped my XXXX credit reporting fromXXXX XXXX and started the reporting from XXXX with a negative reporting in XX/XX/XXXX. This information is incorrect and the reporting should date back to XXXX -- -meaning this account should be removed from my report from all three credit reporting agencies because the XXXX XXXX falls in the 7 year delinquent rule and should have been removed from my credit in XXXX. We are now in year XXXX and the XXXX XXXX has XXXX   up my reports on all three account more than 3 years past the time that he should have been removed. 

In regards to XXXX XXXX. My credit card was closed due to misuse of the card by fraud and the company cancelled that account and re-issued me a new credit card. The three credit bureaus decreased my score in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX involving this account. The account has never been delinquent, but my score is XXXX with this account monthly in order to justify decreasing my credit score. 

XXXX XXXX scores for the three credit reporting agency has decreased my credit score as much as 67 points in XXXX and decreased again in XXXX. This card is constantly used by the three credit scores to decrease my credit score, but the card is currently. Even when the balance is low, the three credit bureaus do not add the deduction amount that they used for decreasing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: AR Solutions Inc
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
AR Solutions sent written communication to us about a medical bill from XXXX XXXX that had already been paid months ago. The written communication threatened to damage our credit if we did not pay within 30 days from their statement date. This only provided us a small amount of time to react. We called AR Solutions immediately to resolve the matter, and we were told that AR Solutions had gone through our account already individually and determined that we owed the money ( which we had paid months ago and had a receipt from XXXX XXXX showing our account was paid in full ). After our first call with AR Solutions we called XXXX XXXX and verified that our account was in fact paid in full and we had a {$0.00} balance. 

We then provided a receipt of full payment of the exact bill from XXXX XXXX that AR Solutions was attempting to collect from us. 

It has been over two weeks since providing proof/receipt of full payment to AR Solutions, and we have not received confirmation from AR Solutions that this resolved and that our credit score was not damaged. We have reached out via two phone calls to resolve and ask for written communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: ROBINHOOD MARKETS INC.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On the XXXX of XX/XX/2023 I logged onto my robinhood app and received the latest transfer from my bank of XXXX dollars. I had just set up direct deposit a week prior. When I logged on I noticed that there was a message at the top of the screen saying my account was restricted and that I needed to provide some information to get it unrestricted. I figured ok I'll just give the information and everything will be ok. I submitted a selfie and the required PDF of my bank statements for last month. They said they would get back in touch with me. Since then Ive received generic responses and none can tell me why my account has been frozen. I have XXXX dollars in their mostly crypto holdings. I want access to my account as I know I am who I say I am and they do to. I've provided all the necessary documentation and I don't see the need to take a considerable amount of time investigating this. I haven't done anything illegal. The only thing I did was transfer a small amount of XXXX XXXX  to a an option trader account one time. I don't think they was illegal or shouldn't have been seen as fraudulent it was confirmed on the block chain and seems legit. The company I sent the XXXX XXXX  too hasnt ever froze my account as a matter of fact from time to time they deposit money in my account as a gift. Anyways I don't feel like it's just or fair for a company to lure you in and have you use them for the purpose intended and then be able to just all of a sudden freeze your account and not tell you why. Then to be able to just hold your hard earned money indefinitely until they decide otherwise is borderline scam and otherwise fraudulent so in retrospect i should be asking for the selfies and or bank statements from them as I feel thier maybe fraudulent activity in thier accounts. Knowing that this has happened to a lot more people than I feel comfortable with I am terrified that they will decide to close my account and keep my crypto as I know what I invested in is about to take off and be worth a very significant amount. I want my account reopened and I feel like I'm being treated like a criminal and a fraud and they are the ones that are being criminal and being frauds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
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 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
Consumer complaint received 2023-04-20
Company: Atlanticus Services Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am filing this complaint in regards to the company Fortiva. I opened an account XX/XX/XXXX with an opening balance of {$2000.00}. Since then I have paid a total of {$520.00} and as of today XX/XX/XXXX my balance has only decreased by {$100.00}. This company has not applied any payments that I have made to my principle balance of the loan. This company is illegally charging high interest on this account that is not even being documented properly. I reached out to them on multiple occasions and have asked why the balance hasn't decreased and why the balance was still very high although I have been making payments and the company 's only response is that its from interest. The total amount of interest paid to date on the most recent statement shows only {$220.00} which is unfair but not even that if {$220.00} was put towards interest then why hasn't the remaining balance {$290.00} been applied to the principal balance that I actually owe? Please see the attached opening statements and current statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: JPMORGAN CHASE & CO.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I had paid this loan with JP Morgan Finance - never missed a single payment and then they charged me late fees for XXXX $ for 2 months as they did not send me the closing documents of the loan and final pay off in the right address.I spoke to the customer service multiple times and after researching they told me they will remove this from my credit report both late fees and the negative reporting but this has not happened since XXXX.I can be reached at XXXX with any questions or details.I will have to report this to state attorney general office and seek a legal remedy as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01
Company: JPMORGAN CHASE & CO.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I was contacted by mail that I was a part of a class action lawsuit brought against Chase. 
The details are the case has been settled and I never received my portion from the settlement. I have contacted several organizations related to this case and have not received a response. 
To compensate the estimated 50,000 XXXX and XXXX  borrowers who paid higher rates and fees than similarly situated white borrowers, CHASE has agreed to create a settlement fund in the amount of approximately {$53.00} XXXX. CHASE has further agreed to retain an administrator  to manage the settlement fund and to locate borrowers who may qualify for compensation. Borrowers who are XXXX XXXX   and/or XXXX and who obtained a mortgage through CHASEs wholesale channel from XX/XX/XXXX through XX/XX/XXXX should be contacted by the administrator in the next several months, or can contact the United States Attorneys Office directly, by contacting the Civil Rights Complaint Line at ( XXXX ) XXXX, using the Civil Rights Complaint Form available on the United States Attorneys Offices website http : //www.justice.gov/XXXX or by sending a written claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
many fees charged to my wells fargo checking account XXXX to XXXX. My account was frozen by wells fargo as well, then closed!!! I had banked with WF for 37 years!! I was shocked. WF and several customer service reps screwed me up finanancially for years too.

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 2018-04-17
Company: Receivables Performance Management, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently received a notification from the credit bureau of a collections account from Receivables Performance reporting negatively on my credit report. I contacted the collections company to inform them that I never received documentation of this debt and balance was paid in full once left XXXX XXXX XXXX. I have attempted to contact the original debtor but to no avail. XXXX XXXX with Receivables Performance acknowledged the address on their file was incorrect and was not their responsibility to obtain correct information once the notice have been mailed once. Lastly, the company recently sent a email with my personal identifying information regarding this debt which they never received my consent. At this time, I am feeling threatened and intimidated to forcefully pay something that is not accurate.

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 2020-07-01
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was bought out by XXXX XXXX  XXXX  and was paid and closed. Santander is still showing on my credit report even after XXXX bought the account and stopped reporting the account. I have contacted santander by phone and email to remove the account from reporting to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions 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:
I had applied for a mortgage and found out that XXXX XXXX XXXX was reporting a collection account for a XXXX XXXX credit card debt. I have NEVER had an account with XXXX XXXX ever. I have disputed this account with all 3 credit bureaus over 4 times now as well as with XXXX XXXX. I have sent certified letters asking for proof of this alleged debt and all they have sent me was a couple of XXXX XXXX statements not showing anything that was actually purchased. The balances on the statements they sent me do NOT match what they are reporting to the credit bureaus either. I am filing this complaint against XXXX, XXXX  Experian and XXXX XXXX. This is my last effort to resolve this erroneous account before i send this to my consumer protection attorney to sue them for FCRA, FCBA, FACTA and FDCPA violations.

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 2023-12-04
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15 USC 1681 law ) there should not be any damages on my report, it is a defamation to my character

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