BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: NC
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 inaccurate late payments showing up in my credit file from Equifax 7 times. The credit file is showing that I paid XXXX  XXXX payments late over 180 for several years which is completely false. I disputed this issue with XXXX and XXXX as well and the inaccuracies were removed right away when I provided the proof and documentation. Equifax refuses to remove the false late payments even though I have provided payment history that was signed and notarized as well as letters from the crediting company that states the late reporting 's are not correct!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My signature was forged on a student loan document as a guarantor for which I had no knowledge of. When defaulted, I was not notified as lender did not have my address or any other info about me. When I discovered, I made payments, in spite of not owing, and eventually paid/satisfied the debt. Creditor has reported to credit bureaus that any disputes have been paid and resolved, yet credit bureaus have not deleted this erroneous listing from my reports, in spite of creditor 's request.

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 2020-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A company listed as XXXX XXXX XXXX CA has been apparently charging me every month XXXX since XXXX. 

I never signed up for anything like this. Bank of America 's only response was that " We confirmed the charge ( s ) is a subscription or reoccurring bill that you've paid in the past. '' There is no proof that I've ever signed up for this. When I googled the company and the phone number in the name, the majority of search results say that this is a scam that upon calling, fishes for peoples ' personal information. I don't understand how Bank of America is not recognizing this as 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 monetary relief
Consumer complaint received 2019-08-26
Company: Experian Information Solutions Inc.
State: PA
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 DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.

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 2021-03-04
Company: Nelnet, Inc.
State: TN
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:
On XX/XX/2021 I wrote Great Lakes about the student loans that are on my credit report. The letter was regarding account # XXXX, which you claim that I owe {$74.00}, XXXXCOMES NOW, XXXX XXXX XXXX XXXX, herein after Affiant. Affiant is competent with sound mind to state to the matters included in this Affidavit and has first hand knowledge of the facts, and hereby declares to the best of Affiants knowledge and belief that the statements made in this affidavit are true, correct, complete, not meant to mislead and tendered in accordance with the Maxim of Law that provides that Truth is expressed in the form of an affidavit. An unrebutted affidavit is presumed to be true. Respondent ( s ) is/are required to timely respond to and to rebut the truths expressed in each point, categorically and on a point for point basis with an affidavit that is signed and sworn to on respondents commercial liability and witnessed by a third party public witness, e.g. notary public, or other person qualified to attest to foreign bills or the matters expressed in this affidavit that rebuts this affidavit, or the truths expressed in this affidavit shall constitute the final truth and judgment against in this action and demand to dismiss with prejudice nunc pro tunc. 
FACTS 2 It is a fact, the Affiant is a natural consumer identified is 15. U.S.C 1692a ( 3 ) 3 It is a fact, the GREAT LAKES is a debt collector pursuant to 15 U.S.C 1692 ( a ) 6 and 15 U.S.C 1692j ( b ).

4 It is a fact, the Affiant is the creditor pursuant to 15 U.S.C 1692a ( 4 ) 5 It is fact, GREAT LAKES has violated several federal laws listed under the Fair Debt Collections Practices Act and Truth In Lending Act 6 It is a fact, verification for alleged account # 03-5080452 has not been satisfied pursuant to 15 U.S.C 1692g ( 4 ) ( 5 ).

7 It is fact, the Affiant is entitled to monetary relief pursuant to 15 U.S.C 1692k if settlement is not reached by consumers desires. 
Your failure to rebut the claims made herein point by point with federal law shall constitute your tactic agreement that the claims are true and your acknowledgment that we agree on all points and we further agree that respondents agree not to interfere with Affiants privacy in the future. You have 3 days pursuant to Regulation Z of the Truth and Lending Act to rebut this Affidavit of Facts with a sworn affidavit of facts not hearsay nor information or belief under penalties of perjury. If this affidavit is not rebutted by XXXX XXXX. Silence is acquiescence. This will be become public record attached with an invoice with damages for non-compliance under 15 U.S.C 1692k. 
On XX/XX/2021 I received a letter stating that the forgery claim as denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Critical Resolution Mediation LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not know who this company is and why they are calling. The caller said I wrote a three checks that werent paid. I do no know anything abut this. The caller CRM phone number XXXX XXXX XXXX. I have asked them not to call. However, they call every 1? 2 hour.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: JPMORGAN CHASE & CO.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Back in XXXX Chase bank dissolved an IRA account that I had with them and sent the balance to God knows where. They made me travel to USA from XXXX to rectify the problem. At the time my daughter was small and we had family support for me to travel. 
Now comes XXXX about XX/XX/XXXX. Somebody at Chase bank got the notion that my account is being hacked. They requested from me my old addresses which I unfortunately under pressure and personal XXXX XXXX XXXX started at the oldest trying to get to the newest. they didn't like the minor information I gave them and requested 100 % address. I didn't do good. I fumbled. They requested my debit card which I left in XXXX. 
Once I got to XXXX from my vacation I called them back but they still wouldn't give me access. To top it off my debit card was blocked and I cant use it in XXXX. 
They asked me to leave my daughter unable to get out of bed and into her XXXX  and my wife who doesn't speak English in XXXX and travel to USA for an x amount of days to prove who I am. To spend at least XXXX dollars which they wont pay for. Nor will they pay for my mobile phone calls I made from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The information thats reported on my credit report by XXXX XXXX XXXX, is inaccurate. On XX/XX/XXXX XXXX received my regular monthly payment of {$790.00} in addition to a payment of {$15000.00} from a third party, proceeds from the auction of a XXXX XXXX XXXX thats financed through XXXX XXXX XXXX. For which they failed to pick up from the police impound after being given prior notice about the auction taking place. And now after receiving those payments, and me notifying them on XX/XX/XXXX about making future payments towards my account balance they went ahead and charged off my account without any prior notice. Which as severely damaged my credit and effecting me from securing future credits/loans.

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 2020-02-06
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:
I went to apply for a home loan and my agent informed me of collection accounts which I was unaware of. After looking over my credit report I noticed these charges did not belong to me nor did I recognize any of them. Someone has used my information illegally to obtain credit such as a rental property from XXXX and credit cards from XXXX. I also see medical collections from XXXX and XXXX when I have insurance and haven't needed any medical care in over 7 years. Please I need your assistance in getting these accounts removed to proceed with home buying process.

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 2018-02-01
Company: TD BANK US HOLDING COMPANY
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2017 my XXXX credit card was charged without my authorization for a particular charge from XXXX XXXX XXXX XXXX. I called XXXX to initiate a dispute who referred me to the city of XXXX XXXX who actually assessed the charge. I then called XXXX XXXX XXXX who over a 4 day period made me call XXXX on a conference call with two of their customer service reps. Who both did not understand the validity of the charge, the agents submitted my formal dispute on day 5. After 30 days XXXX denied my dispute because XXXX replied stating they charged my account correctly. I have called 6 times over a 4 week period and my calls to XXXX Credit Cards dispute department have all been rejected. This company has told their reps. not to transfer me and that the dispute is final. NO COMPANY CAN DETERMINE WHAT CHARGES TO A CONSUMER ACCOUNT MAY OR MAY NOT BE AUTHORIZED. I FILED A CLAIM WITH THE CITY OF XXXX XXXX WHO CHARGED MY ACCOUNT AND THEY HAVE YET TO PROVIDE DOCUMENTATION AS TO THE CHARGES VALIDITY. XXXX IS UNDER OBLIGATION TO THEIR CUSTOMER TO FILE TRANSACTION DISPUTES EFFECTIVELY AND IN A TIMELY MANNER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06
Company: WELLS FARGO & COMPANY
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I received an email from XXXX XXXX at Wells Fargo on XX/XX/XXXX asking me to provide proof of insurance from XX/XX/XXXX to XX/XX/XXXX for the XXXX XXXX XXXX on which I co-signed. She said they owed me a refund if I also insured the XXXX. Ms. XXXX gave a reference number of XXXX. I responded the same day with an email ( attached ) saying they know the car was insured because the owner 's insurance paid off most of debt on the XXXX after it was stolen and burnt -almost beyond recognition. I requested a refund of CPI Policy XXXX - the collision protection policy they inappropriately purchased and charged my brother-in-law and myself. Because I am the person who paid off the car after the insurance payment, due to lack of gap insurance, I stated the refund should be paid to me. On that same day, XXXX XXXX responded as the Wells Fargo CPI Payment Administrator stating my request was being referred to another department. 
On XX/XX/XXXX " the Office of the President '' sent a letter saying they were aware of my concerns and would send me a package within the next 10 days. A second letter arrived on XXXX/XXXX/XXXX from XXXX XXXX, " Executive Resolution Specialist '' with the same basic message. Neither of these letters mentioned nor directly addressed the statements I had made in my email of XX/XX/XXXX. 
On XX/XX/XXXX, a check for {$5.00} arrived via XXXX XXXX. Upon receiving the check, I sent a 2nd letter on XX/XX/XXXX ( which they received XX/XX/XXXX ) requesting a copy of the policy and proof of payment ( attached ). Wells Fargo has sent 2 more letters ( attached ). Neither of them provided the information I requested. I am counting this complaint as my response and will send a copy to XXXX XXXX because she is the last person to correspond ( and ignore my request ) with me from Wells Fargo.

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 2019-08-26
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, Rash Curtis associates added a debt to my credit claiming that I owe them nearly {$3000.00}. They claimed that this debt is several years old and has never been paid. This debt was actually paid for by my insurance in XX/XX/XXXX, from a XXXX that happened XX/XX/XXXX. They have been bullying me and claiming false accusations even after calling XXXX XXXX and getting a claims summary and providing it to Rash Curtis. It has been a month since I have contacted and provided proof of payment, all they tell me is to wait another week and continue to push me away without solving anything and adding to the collection of debt they believe is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent letters to dispute negative items on my credit report on XX/XX/2022 and TransUnion responds with an illegal stall letter that I am attaching copies of. I as a consumer have the right to dispute anything on my credit report and by law they have to do the investigation. This is not the first time they have sent this illegal letter. I am hoping that since they do not want to do their job maybe the cfpb wants to do theirs and make them do the investigation. The letter was sent to me on XX/XX/2022 so they have until XX/XX/2022 to either investigate and or delete the items I am disputing. I do not want this to go to litigation I simply want them to stop playing games and do their job. The first letter is the stall/I ain't gon na do my job letter the second letter is what I mailed to transunion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent out letter for each credit Buerau to send me verification that the negative accounts on my report and all the hard iquries that I did n't not authorize to be removed it has been more than 60 days XXXX is reporting XXXX it 's not mines I ca n't utilize that service in my area, Experian and XXXX are reporting late payment for XXXX XXXX never late please correct or show me verification, XXXX XXXX now XXXX XXXX XXXX XXXX XXXX all need to be removed it has been going on months with no prove or validation that these accounts belong to me or the hard inquiries I 'm going to contact the BBB NEXT and than sue

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 2019-02-06
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I acquired a copy of my credit report on XX/XX/2018 from all three of the major credit bureaus and was shocked to see several student loans on my report. These loans do not belong to me. I sent a dispute letter to the three major credit bureaus in XX/XX/2018. Several of the accounts were removed but there are still several that remain. I sent a discovery letter to the company that is holding the accounts, Navient on XX/XX/2018 asking for a copy of any promissory note that I had signed that linked me to these debts. On XX/XX/2018 I received a reply in the mail and on the cover page is a statement that reads " We've enclosed a copy of the documents you recently requested ''. Behind the cover letter was a thick set loan papers ( signed applications, consolidation application and promissory notes ) > OTHER PERSON! A man whom I have never met, in a state I have never been to and to a school I have never attended. Set aside that Navient has reported someones else 's debt on my account, they sent me someone else 's name, address, social security number and other personal information. There is far too much identity theft in this world and to aid in that is just unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: DISCOVER BANK
State: GA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I entered into contract with a cabinet/granite company for the Total amount of {$7700.00}. and paid on this day {$4000.00} leaving a balance of {$3700.00}. 

On XX/XX/XXXX, company/merchant did not compete the work as contracted and charged my Discover card for multiple amounts of {$3700.00}. As of XX/XX/XXXX Discover had transaction from XXXX  XXXX for over {$45000.00} dollars and Discover claimed on XX/XX/XXXX that I owe XXXX  XXXX and accepted the fraudulent charges adding to a total of {$25000.00}. 

On XX/XX/XXXX, after months of disputes and insults from Discover staff, I wrote to CEO XXXX XXXX and provided all evidence including the contract with XXXX  XXXX. Since then, Discover insisted that I owe XXXX XXXX  {$11000.00}. 
Since XX/XX/XXXX, I have been making monthly payments towards fraudulent charges to my Discover card. Discover card have failed to protect me from XXXX  XXXX   wrongdoing and criminal actions against my Discover card and have deliberately chosen to be on the side of the criminal activity of this merchant. I endured a XXXX XXXX on XX/XX/XXXX and just few months ago I am feeling better, my health has been the reason why it has taken time this long to proceed against Discover who till now still are making pay. As of XX/XX/XXXX, Discover communicated via Ichat that the amounts charged to my Discover card on XX/XX/XXXX add to {$11000.00} ( XXXX XXXX and XXXX XXXX and XXXX XXXX dollars  ). I am even unsure if this is the correct amount as it's all unclear but prior to this date of On XX/XX/XXXX, I had no monies I owe to Discover as I have usually paid my balance in full. I am a Discover customer since XX/XX/XXXX. 
On XX/XX/XXXX there was another charged for {$3700.00}. and this is when I had to frozen the account in order to stop more charges from XXXX  XXXX. The Merchant ( XXXX XXXX ) has claimed that it's not them and it's Discover card 's fault that keeps paying them. I have filed a police report against XXXX XXXX on XX/XX/XXXX. Thank you for any help. 
I am desperately seeking a solution as I have been very sick for the past two years and very upset by all this unfair and abusive practice. I have been unable to work but I have continued payments monthly for amounts I Do Not owe. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
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 fraud alerts or security freezes

Complaint:
I would like to cancel/remove the consumer statement alert appearing on my consumer credit report and my credit report as it is hindering my application for credit.

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 2020-02-06
Company: STERLING JEWELERS, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Showing up as a local number on caller ID from a town of less than 400 people. I assure you this company does not do business in this town. The person says they are from XXXX XXXX trying to collect on a debt. I told them to quit calling me as I do not believe they are from the company since they are using a local number. 
If it is the case, I find that to be very shady business practices to use a local number to trick individuals thinking they are someone else. I will not and am not going to give any information stating who I am to anyone that can not fully state who they are from a legit number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation