BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX this account was paid in full and lien released to XXXX XXXX and reported/updated to all three credit bureaus on XXXX XXXX, stating this account was paid in full and closed. The car I purchased had an acceleration defect in which the dealer I purchased the car from, after several attempts was unable to fix the issue ; I made a compliant to XXXX, who decided to repurchase the car under the California Lemon Law. Under this law it states that if a car is bought back by the dealer or it's manufacturer, all money paid toward the car ( down payment, car notes, repairs, car rentals etc. ) is to be refunded minus the mileage usage. I received a letter dated XX/XX/XXXX as proof of the account being paid in full and closed and lien released by XXXX XXXX, as well as the breakdown of all monies received to pay off the car and what i would receive as a refund. After a couple months XXXX XXXX reopened the account and reported that I owed XXXX, followed by another XXXX a couple of months after that totaling XXXX showing that I owe on all three credit reports. These are the two car payments that were due to be refund to me from the repurchase of the car. I do not owe this money and have disputed this inaccurate information with the credit bureaus numerous times and the company keeps reporting back that they have certified that the information is accurate and for the account to remain on my report as is. So I decided to dispute this account directly to Experian on XX/XX/XXXX and uploaded all the proof to verified this account was indeed paid in full/closed per the letter from XXXX XXXX. I received results today, XX/XX/XXXX stating the account status remains the same as me owing, and that the company sent certification again that this information was accurate. I asked Experian numerous times to send me the certified information to me so I can review it and the representative named XXXX at Experian, stated that I would have to subpoena that information if i wanted it. Experian has not been cooperative and they still insist on not changing the status of this account although I sent them the proof they requested. Experian is basically taking the word of XXXX XXXX because they are being paid by that company to report this inaccuracy on my credit report. I am tired of the back and forth with both the company and Experian. I need help from another agency now.

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 2020-04-27
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:
This complaint comes forth as I have tried to submit information that supports a dispute that I sent to Experian via USPS Certified mail. I am a victim of Identity theft and have contacted a creditors and Experian to dispute the fraudulent account reporting to my credit report, the creditor nor Experian has not responded to my request for investigation and they have failed to comply with FCRA section 609 which requires them to remove erroneously reported accounts and FCRA Section 611 which requires them to let me the consumer know when, how and who compiled the information of their investigation once I made them aware the accounts were fraudulent and disputed their claims and gave validation with law enforcement documentation.

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 2022-01-09
Company: EQUIFAX, 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:
I disputed an account, XXXX, that was the product of identity theft. The company removed it but then added it back through Equifax despite knowing it was a fraudulent account. I would like it removed. The FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I purchased a flight through Chase Ultimate Rewards Travel using a combination of points and my credit card - the price of the flights were close to {$3000.00}. 
My flight was supposed to be to XXXX in XX/XX/2021. My flights were CANCELLED by the airline due to XXXX being closed to tourists because of Covid-19. 
XXXX XXXXXXXX XXXX  website says that I am eligible for a full refund in lieu of flight credits : XXXX XXXX XXXXXXXX Chase Travel has also reached out to me multiple times saying that my flights were eligible for a refund, and that they are working on it. 

Today ( XX/XX/2021 ), I received an email saying I am no longer receiving a refund and that I am only eligible for flight credit. 

I am LIVID. This process has been the WORST customer service experience I've ever had. The Travel agents do not understand my situation, frequently tell me incorrect information, and I've had to waste hours and hours of my time calling back. I have been trying to get this refund since XXXX. Chase Travel has in the past told me it would take 45 days to get a refund, which turned into 6 weeks, which turned into 12 weeks, which turned into indefinitely, and is now " you're not eligible for a refund. '' If this was a normal credit card purchase through the airline directly, I could've already disputed this charge or could have worked with the airline directly to get a refund. I feel scammed and I know Chase has ROBBED me of {$3000.00}. 

For anyone thinking about using Chase Ultimate Rewards Travel portal for any purchases, DO NOT DO IT. It's not worth having to deal with the agents or any hassles that might pop up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-09
Company: EQUIFAX, INC.
State: VA
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:
On XX/XX/2021, 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am getting calls a minimum of three times a day, usually every hour starting at XXXX XXXX   EST. 
Example : XX/XX/19- XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XX/XX/19- XXXX XXXX, XXXX XXXX, XXXX XXXX Not only do they call multiple times daily, they will call from an anonymous number and leave ( sometimes ) multiple prerecorded, nonspecific voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
FOR OVER 8 MONTHS ( SINCE XX/XX/2021 ), I HAVE BEEN ASKING THIS CREDIT REPORTING BUREAU TO FIX THE ERRORS REPORTING ON MY CREDIT PROFILE. TO DATE, I HAVE NOT RECEIVED ANY CORRESPONDENCES FROM THEM AND I KNOW BY LAW THEY HAVE 30 DAYS TO RESPOND. SINCE THEY HAVE FAILED TO RESPOND TO ME, I AM ASKING THAT THE NEGATIVE, INACCURATE DATA REPORTING BE REMOVED IMMEDIATELY BECAUSE THEY ARE CLEARLY VIOLATING ALL FDCPA LAWS. I AM SUBMITTING ALL DOCS I SENT IN XX/XX/2021. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
remove all the ftc violations attached

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 2018-01-31
Company: EQUIFAX, INC.
State: SC
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 recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with XXXX and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX SC XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Nelnet, Inc.
State: MO
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:
Attemptes to get old.information removed from .y credit report that 8s over 2 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: AmeriHome Mortgage Company, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a statement dated XX/XX/2020 indicating that I have an escrow shortage of {$7200.00}. This is an error, because my servicer mistakenly paid my property taxes twice. On XX/XX/2020 they made a disbursement for " City/County/School/Utility '' taxes of {$6900.00}. And on XX/XX/2020 there was an additional escrow disbursement of {$6900.00}, triggering a negative escrow balance. Please see the uploaded attachment ( with word " documentation '' in file name ) for evidence of this double payment. 

On XX/XX/2020 I reached out to my servicer via their online messaging portal to inform them of the error and ask that they fix it. On XX/XX/2020 I received a response informing me that they are waiting for the City to issue a tax refund. A copy of that communication is attached. 

On XX/XX/2020 I noticed that the servicer still had not corrected the issue, and in fact, they had increased my monthly mortgage payment ( effective with the XX/XX/2020 payment ) by about {$500.00} to begin chipping away at the alleged escrow deficiency. I contacted them on that day via their online portal to ask a representative to speak with me. A copy of that communication is attached. A representative contacted me by phone on XX/XX/2020. The servicer acknowledged the error but informed me that an escrow deficit will remain until they are credited back the payment by the City. 

Unfortunately, the City of XXXX 's Department of Revenue is closed because of the Coronavirus crisis, so presumably no payment is coming. I insisted to the servicer that this is their error and therefore I should not have to make a higher monthly payment. However, the servicer representative insisted that the company was unwilling and unable to credit my escrow account by the amount they had overpaid, insisting that they wait for the City to reimburse, and in the meantime treating this as a deficient escrow account.

After speaking to her manager, the representative informed me that she was authorized to accept a partial payment for my mortgage, and that I could proceed with that partial payment. I requested that I receive a written notice indicating that I was allowed to make that partial payment and that it would not impact my credit report or my loan payment status. The representative agreed that a document would be provided and posted within a day or so. That was on XX/XX/2020. It is not XX/XX/2020, and no such documentation has been posted, and my minimum payment online still is reflected as about {$500.00} more than I should owe. 

I think it is egregious that the servicer has increased my monthly payment as a result of their own error. They have not been sufficiently responsive to help me work through this. I understand that this is a very challenging time for mortgage servicers, but it is unacceptable to expect a borrower to to pay additional funds to mitigate the servicer 's own error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

USDOE/XXXX XXXX {$5800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Conduent Incorporated
State: TN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
the way2go company is who issues the card to receive my unemployment benefits, i applied for my card on XX/XX/XXXX. The state government page says you should receive your card 7-10 days after processing your first week payment which takes 48 hours, s 12 days at most, i waited until XX/XX/XXXX to call state unemployment customer service for assistance and they gave me the customer service number for the way2go company. The prerecorded message asks for card number or pin but requires activating the card before receiving a pin number. Eventually you can wait and get transfered to a queue to speak to someone if the number doesnt hang up on you automatically, but then no one ever answers I called several times XX/XX/XXXX to be put on hold for 45 min before the call dropping and another for 1 hour before hanging up, i also called XX/XX/XXXX several times and after being disconnected immediately I eventually waited on hold for 40 min before hanging up. State unemployment can not help because way2go is a third party financial company. I still have no card, can not contact any customer service representative, and can not receive approx {$2300.00} which is waiting to be placed on the card. I have since changed my method of payment to direct deposit, and I have been told from the unemployment office the company would have no issue moving the money to my account but i can not even talk to anyone in the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Navient Solutions, LLC.
State: TX
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:
My original student loan servicer was sallie Mae i has been put on an interest only repayment program while trying to purchase a home from XXXX. Navient became my Lon servicer and began to defer my loan from XXXX student assistance corporation would call me and offer deferment as best option and never fully explained options. In XXXX of 2017 i was Contacted by XXXX XXXX  telling me i qualified For a student loan repayment program. If i made Eight payments of XXXX  dollars they would put my loan in good standing. I did not complete the program or fill out paperwork from them. They asked for my information and filled out paperwork for a consolidation loan i found out about later. After this happened my loan balance increased by XXXX dollars. My account history shows a lob payment of XXXX and new balance of XXXX. There are duplicate interest charges each month and there is no record of any paperwork or loan details form the school or original lender. Lon history is also different for each loan. In attempts to acquire Loan history and terms i have Been unsuccessful only being told they do not have any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$0.00}

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 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX XXXXXXXX {$0.00}

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 2021-10-21
Company: Shellpoint Partners, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When we began our mortgage with New Rez, they asked for proof of insurance. We sent that to them. Then in XXXX of 2021 or thereabouts, they sent us a letter saying that we haven't gotten them proof of insurance and that if we don't get that to them over the next however many weeks, they are going to start charging us for their insurance each month. We immediately contacted them and resent our proof of insurance. But they kept charging us extra on our mortgage. 

Once i realized that this was going to be an issue, i started to record dates and times and the individuals that i spoke with at New Rez when i called them about this matter. 

Everytime i called them, they would confirm that we did have insurance and that they were going to get that removed from our account and immediately reimburse us for the additional insurance charges. They never did : XX/XX/2021 at XXXX- XXXX XXXX XX/XX/2021 at XXXX- XXXX XXXX XXXX XXXX XXXX hung up on me XXXX XXXX XXXX XX/XX/2021 and actually gave me her number to follow up with her if the problem still isn't fixed- XXXX. It is not a working number. 

Please let me know what other information that you need from me- thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. My address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I found some addresses on my report that do not belong to me please remove the following : XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following cell number are not mine please delete : ( 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 2020-04-28
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: Personal information incorrect

Complaint:
There is incorrect and innacurate personal information in my credit report. There are names and addresses that are not mine in the 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