BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-04-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Mortgage Company and I have had a tumultuous relationship since they bought my Mortgage Contract from another Lender in 2006. I'm sending now as back-up, a letter I had written to CFPB on XX/XX/XXXX. It seems the letter had been ignored my the CFPB because it did not adhere to the preferred 'complaint protocol '. 

The letter details a history of my ongoing relationship with my Mortgage Company ; XXXX, now in its 15th year. Although a recent Court Case prompted XXXX 's removal of a Foreclosure and spurred a Loan Modification, XXXX had decided to create a fictitious debt which they are exploiting on their Monthly Statements. 

It is my guess that this fictitious debt serves to keep me in a 'default ' status, since my refusal to pay it will give them cause to compound the amount until it appears I am in the wrong. This fictitious amount is shown as a line item on my monthly statements, and it is named : 'Assessed Expenses ', in the current amount of {$1000.00}. 

Please refer to my attached Letter, and XXXX Statements for additional information

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 2020-05-28
Company: Experian Information Solutions 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 had a collection report of {$68.00} dollars on all my credit reports for XXXX XXXX being reported by XXXX XXXX XXXX un 2018. It is the only derogatory collection on my report thus far. I paid off the bill but I was requesting for a pay to delete for it to come off my credit but they are saying they can not delete it off my report even with the paid item. It is showing also that I had disputed this item still though I had gotten a letter stating that they were reporting the debt correctly. I was writing a request for both the bill and the dispute remark both to get deleted off my credit because paid in full and the remark will not help my credit scores. I appreciate your consideration on this. This was a medical bill for my daughter that I overlooked with the company long ago. I didn't see that bill.

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 2023-06-13
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX Account # XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX Account # XXXX XXXX U.S.C 1681 Section 502A. States I have the rights to privacy.

15 U.S.C 1681 Section 604A 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
They denied both of my disputes but had the nerves to credit me for one unauthorized charge from Delta sonic in the amount of {$25.00} ... .and then emailed me to tell me they are going to look further into the investigation and it could take up to 45 days I also have to send them the declaration of fraud form within 10 days ... ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-27
Company: JPMORGAN CHASE & CO.
State: GA
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 customer service

Complaint:
I put something into dispute. I received an e-mail telling me to look at the Chase message center for the charge card because they needed more information. I supplied the information via Chase message center. I have contacted them several times to ask if my dispute was completed and I did not hear back from them. I contacted them today and I was informed that they had asked for more information and that I had not supplied it. I told them that I had not received an e-mail from them stating that they needed more information or an e-mail telling me to look in my Chase messages. I was informed that they may have only mailed the papers requesting more information or that their Chase message system may of had a problem or been down when they tried to send the message. I asked if they could verify that the Chase message center was up and working and they said it was internal and that they could not verify it for me or let me know the outcome of what they discover???? The way I understand it is they are telling me that because the Chase messaging was down this is my problem and my dispute was declined for this reason. I also understand that this means that if their paperless service is not reliable I will be held responsible.I signed up for their paperless service but that it is not reliable and if it has problems then I am the one who will be paying for their system failure in the end. I spent XXXX hours on the phone with them trying to straighten this out and I was prepared to spend the entire day tomorrow on the phone as well but I got lucky and got a customer service rep named Author who listened and said he understood my problems. I am concerned that an " Author '' may not be available to everybody ( it took me XXXX tries to get him ) and that due to Chases failure to keep their computer systems online and reliable other people may also be held responsible for their system failures. I think this needs to be investigated. In my opinion this is almost fraud when they tell you to sign up for paperless messaging and then they hold the customer financially responsible for the failure of their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax has alot of credit inquiries that I have not authorised. 

XXXX XXXX /misc reporting agencies on XX/XX/XXXX XXXX XXXX  XXXX XXXX national credit card cos on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX, Ca.XXXX on XX/XX/XXXX XXXX XXXX/ misc.reptg agencies on XX/XX/XXXX XXXX XXXX, oh. XXXX on XX/XX/XXXX XXXX/ XXXX  , Ca. XXXX on XX/XX/XXXX Ive tried numerouse times to file a dispute but equifax wont recognise my account. It does recognise my account if Im trying to see the status of a dispute. Ishould be allowed to access my own info when I provide all my personal info. I cant even log in to get my free credit report. XXXX XXXX is the only way I can see my equifax info. I did not authorise the inquiries so they should be immeidiatly removed from my credit report. The other credit reporting agencies do not show but 4 inquiries and equifax is inaccurate by stateing I have 11 inquiries. Im trying to get accurate info and a decent  score as I am a XXXX XXXX year old trying to get into a nice min. XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Nelnet, Inc.
State: CT
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:
My son and my daughter takes full responsibility to pay there student loan, but yet the collection agency is bullying and harrassing me to paid for these loan. even those i co-sign the parent plus loan.my understaning is that if there are willing to paid, since they are adult and willing to pay.why are they not granted this opportunity to do so. Additionally i am requesting an itemize billon the loan amount for the tuition, how much has been paid and much remaining.since the XXXX XXXX when out of business i could not get a live person to speak with regarding this critical matter. Leaving me very devastated and high stress level. collections agency theathening to garnish my salary. MY XX/XX/2017 tax return was seized my navient loan company. thank you for your assistant regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a Creditor on my credit reports for the amount of {$1200.00} that I can not see that it can be mine, I have contacted the Company reporting the debt and they do not have any of my personal information on file. I contacted the company that they say I owe ( XXXX XXXX XXXX XXXX ) and they assured me they can not see anywhere that I owe them money. I contacted XXXX  XXXX XXXX XXXX and gave them all my personal information to clear it up and ask if I am responsible. They told me they do not have me in their system at all.. 
. {$1200.00} with a date of XX/XX/2017 Thank you for your consideration in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Nationwide Recovery Systems, Ltd
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Navient Solutions, LLC.
State: ND
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am receiving 10 - 12 harassing messages a day about a student loan that I paid off XXXX  years ago. When I contact Sally Mae servicing they show my student loan has been paid in full, but are attempting to contact me regarding " someone else '' who they feel I may know or be in in contact with regarding their outstanding loan. First of all, I thought it was illegal to discuss others financial information with outside parties and second the non stop harassing messages ( I have them saved in my cell phone voice mails ) need to stop immediately. The last message I received was regarding my name and loan, so I immediately called into Sally Mae, was informed indeed my loans have been paid off, but they are continually trying to contact me for information on another persons account. They have also harassed other members of my family. The individual in question on the loans is my son 's girlfriend and under no circumstances should I be involved in her personal account information and receiving phone calls on her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Companies : Equifax, XXXX, and XXXX Dates : XXXX 2017 Following the Equifax data breach, I have attempted to freeze my credit with all three agencies. I have run into broken websites that ca n't verify my identity, long hold times, and hangups on their customer service times. 

But more importantly, I did not CHOOSE to be a customer of theirs, and yet in order to put a security freeze on my credit, I must PAY THEM. This is extortion. This service should be opt-in. When someone opens a bank account, credit card, or loan for the first time, they should be able to opt-in to this service and opt-out at any time. 

Americans are clearly not the customer, they are the product being sold. And yet somehow also we must pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My credit card, Bank of America, closed my account without any prior notice. They sent me an email the day they closed my account and told me it was closed. When I called to find out why, they explained after a review of my credit, my credit card usage was to high. Not that I was late with payments, which i was not ever late. I also payed more then the minimum on all my payments. When i tried to get my rewards balance that i was saving up on my credit card they told me i forfeited my rewards when my account was closed. My rewards balance is {$320.00}. Not something just to walk away from. I was told by one account manager I wouldn't loss my rewards because I didnt close my account they did. When I called to claim my rewards another account manager, and supervisor told me the only way to get my rewards is to have them run my credit again and see if they can open up the account and put my points back on it. They know what they did is wrong but wont fix it. If I was traveling with this card only, and they shut it off like they did, without notice or care were the person is or what they are doing. It could have caused me a very big hard ship.

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 2021-04-12
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:
On my Equifax credit filed, I have a fraudulent account since 2020. XXXX  and XXXX  both investigated the problem and removed the error. So I am asking for your help. I have contacted the XXXX, where the account was originally opened. They sent me the application as requested. After a careful review of the application. The signature on my application isn't my authentic signature matching my driver 's license Also, they do not have XXXX XXXX XXXX in the XXXX system. Instead, they only have XXXX XXXX in their system. Why does that matter? On the form, it says you must register your new name. Why didn't the school require the name change. If I attended classes in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Flandreau Santee Sioux Tribe
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
First of all I did not even know who FSST Financial Services or 605 Lending. Apparently they go by both. I never applied for a payday loan. This company something is screwy because they knew about me. Then they tell me that they are above the law and threaten me. I never ever applied and I would never ever ever. Why would I when I just got out of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: Nelnet, Inc.
State: CT
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:
my son and my daughter are willing to take full responsibility to pay their student loans. 
but yet the collection is agency is bullying and harassment me to pay for these student loans even though I co-signed the parent plus loan. my understanding is that if they are willing to pay, since they are adults and why are they not granted this opportunity to do so. additionally I am requesting an itemized bill on the loan amount for the tuition, how much has been paid and how much is remaining. since the XXXX college went out of business I could not get a live person to speak with regarding this critical matter leaving me very devastated and high stressed. the collection agency threatening to garnish my salary. my 2017 tax return was seized by XXXX  loan company. thank you for your assistance regarding this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: EQUIFAX, INC.
State: MS
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 am writing this due to non-compliance with the (Equifax, XXXX ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I'd like to report a complaint against TD Retail Services for mishandling the repeated requests I made to resolve late payment issues that has resulted in multiple delinquencies on my credit report. I purchased XXXX phone in early 2019 on a XXXX which I arranged to pay via Autopay from my TD checking a/c. First few payments went ok with no issues, and then auto payments stopped without my notice. A month I received a strange letter stating that my payment was due. The letter was strange because it was not on a good quality paper, and had no logo or credentials on it. So I ignored it, until i started getting recurrent letters in my mail every week. I contact TD customer service and told them the issue I was having, the TD agent asked me email her a copy of this letter. I was put on hold, and the agent said that this letter definitely looks like some kind of shady scam, so she asked me to ignore these letters, so I did. 4 month later I had collected so many of these letters that it worried me and called up the number of that letter but got no response. Then I called TD but got no resolution. Few weeks later, I received a voice mail asking me to pay {$440.00} else they will send me to collections. At that point I had no choice but to pay in order to avoid a ding on my credit score. I called TD bank and requested for explanations repeatedly, but got no response. I emailed to TD executives multiple times but they never bothered to respond to me. Then, I filed a complaint to TD Ombudsman and i got a response. The TD Customer Care Advocate III responsible investigated my complaint, which I now call very superficially and told me that all my claims are baseless and that TD is not at fault but I am, for ignoring those letters. When asked to look into the conversation record, my request was outrightly denied and upon further pressing, the same TD employee told me no such phone record exist and thats when she stopped responding. Coming from TD 's President 's office employee that " no record of such conversation exists '' is a complete lie. I have paid {$440.00} as late fee and my credit report is affected because of irresponsible and ignorant actions of one TD customer care agent. I have no trust left in TD Bank and any of its services and all I care for is to get get reimbursed {$440.00} so I can close all my ties with TD Bank. Employees from TD President 's Office have shown nothing but arrogance and power to overrule my complaint. I regret being associated with such horrible bank service and hereby request your office to kindly intervene and help me get a justified resolution to mycase. Any help from your office will be greatly appreciated.

Company response to consumer: Closed with explanation