BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
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: Information belongs to someone else

Complaint:
Experian included a fraudulent account ( and my nonpayment of its charges ) on my credit report. I identified the account as fraudulent, took the necessary steps for it to be investigated, and obtained confirmation from XXXX Fraud Management that the account ( XXXX ) was opened fraudulently and that they have cancelled the fraudulent account, removed their credit inquiry and ceased collections activity. Experian has this information but continues to show the fraudulent account in my credit report, refuses to recalculate my credit score, and provides no means of correcting the record. When one chooses Identity Theft in the website interface as a reason for dispute, the website process stops and the site visitor is directed to call XXXX to report the fraudulent charges, but the IVR at that number provides no relevant options for doing so, and no " Operator '' option to submit correction requests to a person.

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I previously notified Transunion that I am a victim of identity theft. transunion responded that they verified this fraudulent account as accurate. I do not agree with the response. I am stating that I am a victim of identity theft, the information listed on the FTC does not belong to me, and i have nothing to do with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage company is trying steal {$3000.00} Plus dollar to put in escrows account of mines as they are saying it for an property tax.I double check with my county and they inform me there was no payment or back payment due. They won't provide me with any document of the payment was made but Inform me it was for my property. I check the email they made the payment to and it was for an different county.

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 2021-01-24
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XX/XX/XXXX a XXXX  XXXX  payment of {$1200.00} was made to a XXXX  XXXX XXXX and a XXXX XXXX to XXXX XXXX or XXXX fraudulent withdrawals made from my checking account I went to the bank after being alerted by XXXX XXXX XXXX that fraudulent transactions was being made from my checking account and the XXXX XXXX XXXX shut my debit card and checking account down and had me to dispute the charge that wasnt mine and send me a new debit card and blocked the old checking account and gave me a new account number. I went Regions Bank and was told by the bank clerk that it was anything she could do because the transactions were pending. I kept telling that I didnt authorize these payments and didnt know who these people was. So I shut my debit card down and online banking with the Regions bank. I went to the bank several times with no results the last time I received a letter that stated I participated in, allowed, or otherwise authorized this use of my online credentials in other words this XXXX XXXX year old female that is living on a fixed income stole my own money. The bank letter stated that based on the following findings we have determined not to provide any credit to my account for the transactions. I have been a customer of Regions l since XX/XX/XXXX over twenty two years and was with XXXX XXXX  before they merged with Regions for over ten years. The part that hurt me the most was the clerk told me couldnt block a pending payment or charge. Help me please because I really need my Social Security Benefits to be able to pay my household bill, buy my medicine and grocery.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Nelnet, Inc.
State: IL
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:
On XX/XX/XXXX, I called Great Lakes Educational Loan Services regarding my Stafford Loans. Following a graduate in-school deferment - which ended in XX/XX/XXXX, with payments starting XX/XX/XXXX - I chose a " standard '' plan that would repay loans at a total monthly payment of {$620.00} for 120 months. When the CARES Act forbearance went into effect, I had a balance of {$54000.00}. I continued to make payments during the forbearance period, I reduced the amount of repayment to {$46000.00}. The monthly payment was therefore reduced to {$510.00}, which was reflected as of XX/XX/XXXX. However, upon making another payment on XX/XX/XXXX, the monthly repayment had reverted back to {$620.00} an the terms of the loan had changed from 120 ( 117 if you count payments I made before forbearance ) to 92 months. 

Great Lakes said to check on XX/XX/XXXX -- after the forbearance expired to check for an updated account view because as of now, the portal is not reflecting accurate information and they are unable to do anything about the change.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
Over charged for a vehicle

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 2021-01-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to get unauthorized inquiries off my credit report file with Equifax. I don't know how they allow 3rd party companies to add inquiries to my credit file that I have not authorized or approved. Equifax sent me a message that was attached to their paid subscription that stated that my Social Security # and my personal information had been compromised. I'm asking for the removal of any and all inquiries that were not authorized by me. In addition, to an investigation leading to the prosecution and arrest of the person ( s ) using my social security and personal information. Please DELETE/REMOVE any and all unauthorized inquires from my credit. My credit file has a note on it that asked that the company in which an inquiry is made contact the consumer FIRST before moving forward with the application process. That was not done and Equifax allowed these inquiries to be placed on my credit file with my knowledge or authorization. I have not put in an application for a car loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: LEXISNEXIS
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My DMV report showing me not at fault for the three car accidents I was in but the reports the insurance company pulls saying that I was at fault. I wasnt even in my vehicle for two of them. I was in a work vehicle when I was hit by another car. I provided police reports with the DMV to have this information corrected but It still shows on the insurance end that I was at fault but on my DMV transcript I order shows that Im not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a statement in XXXX about an overdrawn account at XXXX XXXX. I never heard of the bank prior to this. I called them and they stated it was opened online. I made them aware I sis not open it and they told me they don't have a fraud department and that I would have to write them stating it wasn't me. I sent the email XX/XX/22 stating that it was fraudulently opened with my maiden name. I kept getting statements and then a collection company called and I informed them as well. I called the credit bureaus to see if it was on my credit and explained everything so if it does I can start the dispute. I got a notice a few weeks ago that it hit my credit report. I started the disputes and XXXX shows it as valid. I did not create this account. I want this off of my report please. How is it possible to open an account online without having to upload an ID or show any proof of identity? I'm working in my credit and this will set me back. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX, XXXX sent first dispute letter out for my accounts ( certified mail ) no response XX/XX/XXXX, XXXX sent first dispute letter out for my inquires ( certified mail ) no response XX/XX/XXXX, XXXX sent 30 day comply letter out for my accounts ( certified mail ) no response XX/XX/XXXX, XXXX sent 45 days inquiry letter out no response attached I have the letters and the certified letters.

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 2023-06-05
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 submitted a letter to the Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 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 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 2020-04-21
Company: SYNCHRONY FINANCIAL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I used pay-pal credit for an order and did not receive the order, they told me to get in touch with the supplier to see why I had not received as they can see the order has been collected on their side. I could not get in touch with the supplier as they did not have a contact number. I called royal mail who said my item had been collected, i told them to look at the signature/cameras as i had not collected the item. They told me they would send a dispute for out. I reported the process to pay-pal but due the covid-19 virus everything is taking a little longer than expected. My last call to pay-pal was around a week ago where a lady told me she would put my note on the file and not to worry just let he know when i have the dispute from royal mail and send it through. I have tried for the past week to contact pay-pal but they are not receiving calls due to the virus.I have now received an email from XXXX XXXX XXXX XXXX before pay-pal have even informed me or told me it would be passed to debt if i did nott pay. I have had no pre-warning letter or of course I would of paid and then applied for a refund. I am in the process of buying a home and the debt has massively impacted my 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 explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX, XXXX XXXX, XXXX on XX/XX/18 violated my 609 rights by reporting incorrect information to TransUnion, XXXX, and XXXX, regarding my credit file. The following Credit Bureaus further violated my rights by adding this incorrect information to my credit profile for others to see. 

The above Buisnesses, along with others reporting to the following companies XXXX, TransUnion, XXXX, that i applied for credit in which is inaccurate. 

They have violated my rights to have fair information on my credit report. 

My personal information on my credit report is inaccurate as well, i have requested to have my addresses, phone numbers and names, corrected on my report this an violation of my consumer protection rights.

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 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 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 2019-09-02
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX -Wyoming agreed to remove my account from my Credit Reports on XX/XX/2019 on a recorded line. I agreed to the terms and made a payment of {$940.00}. However, upon checking my credit reports, this account was not removed. Instead they showed the balance at XXXX dollars and the account closed. I called back and the customer service representative said that " they don't remove accounts. '' However, that was not the terms I had agreed to. This was a fraudulent debt that this agency continued to harass me about and when I agreed to make the payment in full, provided they delete this account from my credit reports, they refused to do what they said. This is illegal and unethical and this company should be held accountable.

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 2022-12-06
Company: EQUIFAX, INC.
State: AZ
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:
Ive had a problem with the Equifax company. I reported inaccurate information on my credit report. I mailed a detailed letter with the inaccuracies listed and the violations on the fair credit reporting act that equifax committed. Today is XX/XX/2022. The original letter was sent on XX/XX/2022. More than 30days have past and still no response. The items on my report should be deleted and removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
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 is missing that should be on the report

Complaint:
Experian has erroneously deleted an address that should be included, I had resided ( rented ) from calendar year XXXX to XXXX as follows : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX. 

I recall that error being done XXXX and XX/XX/XXXX when I was attempting to remove an address I could not recognize ( XXXX XXXX XXXX XXXX, CA XXXX ) that did not belong to me. Experian deleted erroneously a correct address XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, CA XXXX ) the XXXX address and it was not corrected, included back in my report as expected. It was revealed and noted during one of the communications ... 

I called recently, and I was told that they can not include any addresses that banks do not report. I found an Experian report I had kept from XX/XX/XXXX as a back up evidence that in my prior reports, the XXXX address Experian claims was never reported to them, was included and it was removed erroneously XX/XX/XXXX by an Experian employee in lieu of another address I had requested to be removed. 

Please add my address as shown above, to have an accurate report of list of addresses I have leased.

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