BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/18, I requested a copy of my credit report from all three credit bureau and at first glance, I notice an account that wasn't mined. I did some deeper research found out that some individual had somehow got my info and used it to buy a dog at a pet shop, without on permission. I wrote disputes letters to all three of the credit bureau XXXX, Equifax, and XXXX. they keep writing back account XXXX was verified, I even contacted the finance company that provided the finance to the pet company. they sent me a copy of the original contract, which was fraudulent, they also said the item should be deleted off my credit report. Sent all three bureau proof of the fraudulent contracted, but still, they would not remove the item off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XX/XX/XXXXXXXXXX/XX/XXXX I attended classes at XXXX university. The FTC sued this university and awarded students a settlement. Unfortunately, XXXX university has failed to erase the student debt which was a part of the settlement. The settlement also includes {$30.00} million to forgive all private unpaid student loans issued to undergraduates between XX/XX/XXXX and XX/XX/XXXX, and {$20.00} million for tuition, books and lab fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2018 I made a purchase at XXXX XXXX for a total of {$17.00}. I inadvertently missed my payment which was due on XX/XX/2018 due to being in XXXX. I was charged a fee of {$17.00} plus {$2.00} interest for a total of {$19.00}. On XX/XX/2018 I was charged an additional late fee of XXXX and XX/XX/2018 an interest charge of {$2.00}. On XX/XX/2018 when I go back stateside XXXX XXXX received a payment of {$62.00}. I called XXXX XXXX  on XX/XX/2018 and after explaining the situation in addition to the fact that I have a good history th I was credited the following amounts by customer service. I was also told that this would not be reported to the credit bureau as they do not report until a payment is more than 90 days late. 
I was credited by XXXX XXXX the following amounts XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 LATE FEE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX XX/XX/2018 FINANCE CHARGE CREDIT XXXX Which currently leaves my card with a credit to my account of - {$45.00} New balance Minimum payment - {$45.00} DO NOT PAY Currently all 3 credit reporting agencies including XXXX, Transunion and XXXX are showing that I had a late payment 30 days to 90 days despite the fact that I was told that this would not be reported to the credit. The three credit reporting agencies are also showing that my balance is {$0.00} instead of XXXX XXXX owing me {$45.00}.

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 2022-01-11
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX XXXX ( XXXX XXXX ) received a call from XXXX stating they were collections for XXXX XXXX XXXX ( XXXX ). The person identified himself as XXXX, stating that my account was delinquent and that XXXX turned it over to collections with 30 mins to resolve or my power would be shut off. { XXXX then gave me his direct number should be get disconnected as XXXX XXXX. } I said that my XXXX account was closed in XXXX and the address was under a new name ( my son, XXXX XXXX, who had purchased the house ). He said XXXX had a system change that I did not enroll in so they froze any funds that had been paid to the account and it would take 24 hours more to resolve with XXXX claims. They said the account still showed my name because due to COVID the cancellation was delayed. So to avoid a loss of power now ( which was critical to me due to the cold weather, having a child in the house and a person on oxygen ) I was to pay the amount that was frozen {$490.00} and then was given a Case # XXXX of which after review by XXXX I would be totally reimbursed. He said I could only pay by going down to XXXX office ( which I could never have reached within the 30 min timeframe and it was after XXXX ) or through XXXX XXXX 
He walked me through XXXX and said to create a recipient as XXXX with a phone number as XXXX. I did so and sent the money. He had me wait until it delivered and was accepted and send a screen shot of the transaction. Then he came back on and said I needed to send a security deposit of {$1000.00} and again it would be totally reimbursed. That is when I got suspicious, found my son and he told me to hang up immediately. 
I hung up and called Chase ( my bank ) customer service ( local bank was closed by now ) and the woman said it was too late for her to stop the transaction but to call Chase claims at XXXX opt XXXX. I did and flied a claim with them Claim # XXXX. They said it would most likely be handled just as an inquiry to report being a victim of a scam. It would be reviewed by an investigation team. I would hear back either by a phone call for more information or denial letter by XX/XX/XXXX. She said there didn't seem to be any failure by Chase or XXXX. I said I was scammed and not fully understanding that I should not have allowed a XXXX transaction was my responsibility but as a long time customer of Chase with no history of this type of issue do they not have some kind of Customer account to help out financially and further educate these new types of transactions for seniors.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: AMERICAN EXPRESS COMPANY
State: AE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
American Express closed my account due to two payments being returned. The payments were returned because the linked bank account was compromised from a lost debit card. I have always made all of my payments on time and have never had a late payment. Even after AMEX closed the account, I continued to make on time payments and the balance on the account is only {$200.00}, which will be paid this week. As a service member, we sometimes do not get communication that our accounts may be compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was making payments larger the amount due shown on my account. I did so believing that the amount over the minimum due would go to principle. However, I recently learned that XXXX XXXX was using the excess payment to reduce the minimum payment for the following month. This practice not only reduces the amount of money that is being paid toward the principle, but it increases the interest so that I now owe more than I borrowed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Possible fraud : I received a message from XXXX ( XXXX ) XXXX stating that there was a hold on my citi bank account ( I dont have a citi bank account ) and to follow a link to lift it. This is the entire message I received : ( CITI-BANK-FRAUD-DEPT ) MobiIe banking has been bIocked due to irregular activity. To Iift the hoId go to XXXX? token

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 2022-01-10
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:
The FCRA and the FDCPA state that the information reported to our credit file needs to be complete and accurate, however, their more concerned about reporting what the acct subscribers report to them because their getting paid by it as opposed to filing accurate information. 
I reporting errors on my credit file referencing the XXXX Acct. The information XXXX there is inaccurate. I have submitted complaints in the past and they still have not been rectified. This acct needs to be removed from my file. I keep getting a notice from Experian and XXXX stating that they are not going to look into the information, but your information is flawed and needs to be removed. 
Also on XXXX and Experian, there's a XXXX XXXX ( XXXX ) and XXXX  ( Experian ) that's on my credit file that does not belong to me and the information is also incorrect as to what they're reporting on my file. 
XXXX is reporting a XXXX acct and that acct also does not belong to me.

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 2019-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
For the last few months, I have been trying to have these old account remove from my credit report. but even after all my dispute letters and proof old the law stated by the federal government, that account 7 years and older that are close must be removed. But all three bureaus just keep writing account verified, without providing me any proof of method used to verify this or law stating that item may remain on report after 7 years.

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 2018-01-16
Company: Alliant Capital Management LLC
State: WI
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is repeatingly calling my family members multiple times a day in a form of harassment since spring of XXXX. They told my family members I owe to a loan company and are threatening to sue me-that 's harassment, and illegal for them to spread my information. I do n't know what company this is as when I get private calls/voicemails they do not leave a number to call directly. They leave voicemails on my family members and my phone on private calls saying that they are sending somebody to summon me court order papers. That never happened. They are calling my family members more than they are calling me. I heard the voicemail left to me XX/XX/XXXX of a court order being sent to my address in person within an hour, and I have not received any papers. They provided a case number that was not in the XXXX XXXX Court systems ( XXXX ) as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XX/XX/2022 inquiry on my credit file I have not applied for anything with company. This inquiry is unauthorized. Please remove from credit profile and or delete from 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 2018-01-23
Company: IQOR US INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call every day at XXXX XXXX. No one talk and then they hang up

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 2022-08-14
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XX/XX/2022 inquiry on my credit file I have not applied for anything with company. This inquiry is unauthorized. Please remove from credit profile and or delete from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had money from the VA that was due to me since last month in XXXX and didn't get it and also my tuition was paid in full and I have had my financial aid payments sitting on my account since XXXX. They said they are in receivership and don't have exact dates to when stipends are going to be released. But just as other students I count on that money to help with bills and etc.. I have fallen behind on a few payments because the school has not released my funds. The funds are mine and my federal subsidized loan and they have it on my account but have not sent it to bank mobile as of yet. They don't answer their phones or anything I've only gotten email traffic back from my temporary financial XXXX. I hope this problem can be expedited. Thank you for your assistance with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: IQOR US INC
State: AZ
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:
In XXXX, I called Allied Interstate to place my loans in rehab to ensure I could receive Title IV funding for my final semester. I was placed into a program to make nine payments and then the loan would be rehabbed. I had automatic payments scheduled and had no problems with my bank accounts, when the sixth payment processed I contacted Allied to have notice sent tot the school that I would be able to resume receiving financial aid. In XXXX the final payment was not taken from my account, and returned to the guarantor of my loans ( XXXX  ). They have advised me that I will have to begin the rehab process one more time, and Allied has blatantly lied to XXXX about what happened with my account. I had not been able to get complete information about what happened until I contacted XXXX today, and am quite bitter that I reached out to do my due diligence as a borrower and was not given information that was accurate on how to proceed. I did file a Borrower Defense to Repayment in XXXX of 2017 which Allied was aware of, I informed them that I wanted that hold removed, which they said they complied, but when the loan was returned to XXXX the hold was still there, and no further information could be given. These practices of bouncing the loans from one servicer to the next are reasons why borrowers are struggling to get accurate information to maintain timely payments and avoid problems like default. 

I have attached my contract with them, also the statements where the money was removed and the last statement which shows that the money was never attempted to be removed from my account for the final payment ( they have claimed that the payment was returned for the final payment )

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 2019-09-18
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
As of XX/XX/2019, my credit score was XXXX. On XX/XX/XXXX my credit score dropped by 12 points  which made my score XXXX. I could not find any explanation on the Experian website explaining the drastic 12 points drop. I called Experian and I spoke to 4 different people and none of them could explain the 12 points drop. The positive and negative information on my credit report has been on my reports for over 4 months. I have not incurred and new credit, debts or anything that would make my score drop by 12 points. Can you please help me with this issue because I truly understand what it means to have a credit score. Thank you, kindly 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 2022-01-08
Company: CONTRACT CALLERS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I file a complaint and I didnt receive any validation of debt. I do know they in violation of 1692c ( a ) they are a third party and I never gave them consent to contact me. Also XXXX XXXXXXXX is in violation of bill error 15 usc 1666d. Also bills and coupons are obligations of the United States pursuant to 18 usc 8. So I dont owe anything to the XXXX XXXXXXXX sent out a coupon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
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: Investigation took more than 30 days

Complaint:
Equifax has ignored all my request and CFPB request This is my final request Asking for assistance. I have included ID and Reports and I will also include documents that were faxed to them on several occasions with the fax received receipt. and my phone number. before reporting this issue to the Attorney General of the State of New Jersey. the settlement with the breach doesn't amount to the impact it causing to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Experian Information Solutions Inc.
State: NJ
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:
I 've asked this company to verify or provide paperwork of my payment history in which that refused to make my payment on time. This company sent and reported wrong information to the Three Credit reporting  bureaus. They reported that XXXX I had made no payment until XX/XX/XXXX, until XX/XX/XXXX and totally stop. This company use the MPN for 4yrs to their advantage ; then when the Promissory note came to expired they defaulted my account and sent it back to XXXX XXXX XXXX. This is breaking the law and abusing and using government funding.

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 2018-08-29
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: TX
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:
XXXX XXXX XXXX ran my credit without authorization me between XX/XX/2018 - XX/XX/2018 contact the company they dont know who ran my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, INC.
State: FL
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:
I am a victim of fraud, I have a fraud alert on my credit report and have disputed several inquiries with equifax, and XXXX with no resolve. Please see the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Experian Information Solutions Inc.
State: TX
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:
Attached is a letter including several unrecognized inquiries, that I complained and requested removal to both the Credit Agency and the Companies. 
They accepted removal and the Credit Agency after weeks is not removing them from my Credit file causing financial damage.

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