BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-24
Company: EQUIFAX, INC.
State: MO
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:
As a consumer, I would like to dispute the following unauthorized accounts reporting on my credit report, some inwhich I've disputed before but did not get the results in reference to my disputes. Having your identity compromised is a nightmare in itself but even more disturbing when you report it and the major 3 credit agencies either ignore you, or do not follow the law of the FCRA. I would like to know exactly what Method did you and your employees used in order to verify these unauthorized accounts inwhich lead back to me. The accounts inwhich I'm requesting the Method of verification for or as following, ( A ) XXXX XXXX {$680.00} ( B ) XXXX XXXX XXXX {$140.00} ( C ) XXXX {$72.00} ( D ) XXXX XXXX {$690.00} ( E ) XXXX XXXX {$630.00} ( F ) XXXX XXXX XXXX  {$960.00} ( G ) XXXX XXXX XXXX {$670.00} ( H ) XXXX XXXX XXXX {$71.00} ( I ) XXXX XXXX Av {$30.00} ( J ) XXXX XXXX XXXX {$5500.00} ( K ) XXXX XXXX {$2800.00} ( L ) XXXX XXXX XXXX {$1700.00} ( M ) XXXX XXXX XXXX {$0.00} ( N ) XXXX XXXX XXXX {$130.00} ( O ) XXXX XXXX XXXX {$0.00} All the above accounts shall be followed with documentation of the Method of verification used and sent to me or as stated in the FCRA laws these accounts shall be blocked, removed, and/ deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: TX
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 sent countless letters, followed by phone calls and emails trying to fix numerous errors on my credit file. Experian is not abiding by the FCRA in showing correct information on credit files, nor are they providing accurate feedback within the 30 day allotted time span. I have errors on my file that need to be corrected promptly, rather than their generic responses. 

1 ) Experian has a past address that does not belong to me, upon research it belongs to some life insurance / consulting company. 
XXXX XXXX XXXX XXXX  XXXX, OK XXXX ** I have never in my life lived in Oklahoma ** REMOVE 2 ) Experian shows a company named XXXX XXXX XXXX, Account XXXX ** Looking at my files, I do not have anything in my name with this company or account number. I have never signed any sort of contract with this company ** REMOVE 3 ) Experian shows my XXXX XXXX, Account XXXX, shows to be late on multiple occasions. 
** I have never been late with this account, ever ** CORRECT 4 ) Experian shows my XXXX XXXX, Account XXXX, shows to be late on multiple occasions. 
** I have never been late with this account, ever ** CORRECT 5 ) Experian shows my XXXX  XXXX XXXX XXXX, Account XXXX, shows to be late and is reporting incorrectly. 
** I have never been late with this account, ever ** CORRECT 6 ) Experian shows an account XXXX, Account XXXX on my credit file. I have never signed any sort of contract with this company and not familiar with this account number ** I have no clue what this, but it does not belong to me ** REMOVE

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 2019-08-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I paid for a course offered on XXXX to a guy, he asked me for {$640.00} dollars in advance to start the course through XXXX quick pay. He never provided the course and doesnt want to return the money to me, I have been trying to contact him and also called the bank but they do not want to resolve the issue or offer an investigation for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Discover-accepted my payment in early XXXX but did not make the funds available after multiple calls they closed my account for a fraud claim I had submitted in XXXX that had already been resolved. They opened a new account and were supposed to transfer those funds over to the new account and send me the overage of the payment i made and electronically deposit it into my account. The funds were never transferred and discover never returned my payments and or credit my account. They have closed my account so they could keep the funds I submitted to them. 
Failure to honor, and credit the intended account has caused loss injury and harm. An offer of performance was tendered, in good faith as full satisfaction of the claim referenced herein, with the intent of extinguishing any alleged debt, duty, obligation, or liability. It is their duty to honor this instrument, to know, abide by, and operate under the law, 18 USC 8 applies. 
This Note, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Name is XXXX XXXX not XXXX XXXX in which shows on my credit report

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 2018-04-12
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is erroneously reporting a collection does not belong to me. The collection is from a Collection Agency named XXXX, XXXX, XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - This is a collection for someone as the same as me but does not belong to me its. The collection agency represents a landlord and is for money another XXXX XXXX owes. I have contacted XXXX, XXXX, XXXX XXXX three times by certified mail and they only replied to me once wit their supporting documents for the claim. The documents do not have anything on them to identify that this is my debt. My driver 's license number, my social security number, or my signature does not appear on any of their documents. It is a collection for a house I have never lived at or been to. The papers in this case were served to someone at an address I have never lived at or been to. They are trying to collect a little over {$1100.00}, it changes every month as they add interest. I believe they have me mixed up with another XXXX XXXX, its a common name. There was another XXXX XXXX that was the father of another child at the school my daughter attends and there is also another XXXX XXXX at my employer. 
I've contacted Exerpain via certain mail three times over the last two years. Each time I contacted me they say they verifies as accurate. I don't know how this could be I showed them the papers the collection agency sent me which have nothing on them to verify it is indeed me. 
I have also contacted XXXX, XXXX, XXXX XXXX three times via certified mail three times. they only bothered to reply to me once with the supporting documents that did not have anything to identify they are collection from the correct XXXX XXXX, Nothing with my driver 's license, SSN # or my signature. 

I am attaching all my letters and documents from both Experian and 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 2019-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XX/XX/ 2018 there was a hard pull placed on this date they said they would give me a courtesy removal. I recently looked at my XXXX XXXX and this was still here. They said they would remove it from my file. I called up again recently and they told me best to fill it out here and that you guys would be better to fix this.

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 2023-04-03
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind on my mortgage payments asked for a modification before any decisions were made they sold my loan to a different mortgage company

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 2018-04-12
Company: Diversified Consultants, Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I received a notification from credit monitoring about a new collections account on XX/XX/2018. It is a Diversified Consultant Inc company name. I never received a Dunning Letter for one. For two I filed a complaint with you folks..reference # XXXX. This number was with XXXX XXXX. This Diversified Consultants is a new company trying to collect on a debt not owed. They took over from XXXX XXXX. 
My complaint is with Diversified Consultants now. Please see filed complaint number XXXX exact same with Diversified Consultants. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2023-06-23
Company: MoneyLion 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I asked to verify the debt after the initial notification of debt, they informed me that I requested the information to close to the allowed dispute period date and that they would provide me the information but I would not be allowed to dispute any of it if I found anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Moved out in XXXX XXXX and sent an email confirming the move out which our lease was about to be up. Got a response that everything was good and we could leave where we moved to XXXX XXXX. Then all of a sudden I check my XX/XX/XXXX because of buying a house and I see a charge amount from XXXX XXXX. So I call them and get the runaround. first I was told they had a lot of turnarounds so he didn't know so then I forward the email then the new manager say there is not he can do. I told him I talked with XXXX XXXX and she could confirm the communication but he said it's already been sent and to file a police report and dispute it. Because it was sent to a collector but on their end, it showed that they kept my deposit of XXXX plus dollars. And now I can't get in touch with any of them the XXXX  tried and they got no response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, I need to dispute 4 transactions made with my debit card ending in XXXX for merchandize not received. 
Transactions : XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX Silver XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$870.00}, it was a XXXX XXXX XXXX XXXX XXXX The merchant should sent the smartphones to my address on profile not later than XX/XX/XXXX. Until today XX/XX/XXXX I have not received the items bought, also I tried to reach the merchant many times by phone but nobody answer to see what is going 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 2023-06-23
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I went to a XXXX branch on XX/XX/23 for a cash advance on my payroll check that was deposited to the account that morning for {$1500.00}. Per the representative, the charge was declined by Netspend. I am set up for sms alerts from Netspend and XXXX. I received a text alert from Netspend showing- {$0.00} ( overdrawn ) available after a {$1500.00} purchase at the XXXX XXXX branch location at XXXX XXXX. I showed the representative and the manager the text showing it went through. XXXX was unable to give me any information to support this transaction was declined and I was told to contact Netspend. 
I called Netspend, the representative shows there is a pending transaction for {$1500.00} and I need a letter showing the transaction was not processed by XXXX. I went back to XXXX this morning ( XX/XX/23 ) and spoke to another manager, who stated she could not write a letter on XXXX XXXX  letterhead acknowledging the transaction did not go through. I was directed to contact Netspend again and file a dispute with them. I called Netspend for a 3rd time regarding this issue. I was able to speak to a supervisor, at least that's the title she gave me. Per XXXXXXXX XXXX XXXX XXXX XXXX  ). She confirmed the same information. I was given an email address : XXXX where I can submit the letter. This issue has not been resolved and I don't know what further actions can be taken. I have a medical procedure that is being done and no funds in my bank account. I have been with Netspend for over 12 years and I do not understand how this happened and the lack of assistance from them in getting this issue resolved expeditiously.

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 2018-06-21
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
The loan was taken out XX/XX/XXXX, in my XXXX XXXX says there is a balance of XXXX and also it says that the payment status is in collection/ charge off and that the last payment was made XXXX XXXX. The bank name is Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
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 disputed the following items with XXXX and they have continued to report negative items on my report that do not belong to me that is resulting in bringing down my score and has affected my credit worthiness. I have been denied services and auto loans due to my credit score and the negative XXXXNeeds Attention Last reported : XX/XX/XXXX {$2600.00} In Collections/Charge-off Show closed ( 1 ) COLLECTIONS XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4000.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX {$880.00} Needs Attention XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: WESTERN UNION COMPANY, THE
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX credit card was charged {$810.00} on XX/XX/XXXX, two transactions of {$400.00} each. The charge was through Western Union, and I did not make this transaction and did not authorize use of my card for this transaction. Neither XXXXXXXX XXXX nor Western Union will give me my money back. Again, I never authorized the use of my card for this transaction. Western Union charged my card without my authorization. I have no idea who they gave the money too, none, and they won't give me the money back to me. They stole {$810.00} dollars from me and I'm getting it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX I sent a dispute ( CFPB # XXXX ) to XXXX XXXX XXXX XXXX regarding 30 day lates reporting in error. The investigation took longer than the 30 days permitted by the FCRA. The investigation did not conclude until XX/XX/XXXX. 

The reporting by XXXX XXXX XXXX account # XXXX ( see attached Credit Report ) must be immediately deleted and permanently removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Premier Student Loan Center
State: CT
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:
On XXXX/XXXX/XXXX I saw on social media that " students who attended XXXX XXXX be eligible for student loan forgiveness '' and cite Obama student loan programs with urls that upon research do not exist. On XXXX/XXXX/XXXX I was contacted by an unlisted number XXXX XXXX XXXX XXXX XXXX XXXX. They ask if you have a job currently and have at least {$10000.00} in debt. They ask for very personal information like being able to access your XXXX login which contains SSNs. They ask for very steep payments for the first 4 months and after that they claimed my loan payments monthly would drop to {$20.00}. They then sent a contract to me stating they are the " Premier Student Loan Center '' and asked for bank or credit card information. On XXXX/XXXX/XXXX I coincidentally received information from XXXX XXXX about the danger of loan scammers. This prompted me to contact the Department of Education and speak to their representatives about these third parties and if any are legitimate. I spoke to a man named XXXX who said that these scams have been an issue and though they have not heard of this particular " company '' it 's likely a scam because the DOE does not work with third parties and that all of their forgiveness programs are free of charge. As soon as I contacted the sir who initially tried to set me up with their program, XXXX XXXX who 's company direct line is XXXX XXXX XXXX XXXX XXXX XXXX, to cancel he tried to reassure me the program was legitimate. He assured me that the DOE does n't normally " take civilian calls '' and the the number for the DOE given to me by the BBB when I was researching the PSLC with them, was not correct. I responded I would do more research still and then make my decision. I was then contacted by a " XXXX '' at XXXX XXXX XXXX XXXX XXXX XXXX, that he is the " program processor '' and inquired about my tax documents. At this point I fully believed I was being scammed and requested the contract cancelled and all my information deleted as of XXXX/XXXX/XXXX. I have changed my XXXX password, cancelled my credit card, and put necessary protections on my federal loan account. 
If you are hurting/struggling to repay your loans, please use extreme caution when being offered " to good to be true '' offers.

Company response to consumer: Closed with explanation