BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
( XXXX ) XXXX  XXXX bankruptcy dated XX/XX/2019 and XX/XX/2019 are reporting on my credit report and should not. I asked the bankruptcy court to withdraw these after speaking with an attorney. This credit bureau has neglected to properly investigate these items and refuse to remove these inaccurate public records that is tarnishing my credit report. I am including information that shows these public records were terminated/vacated AFTER being dismissed, therefore should not be reporting on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
( XXXX ) XXXX  XXXX bankruptcy dated XX/XX/2019 and XX/XX/2019 are reporting on my credit report and should not. I asked the bankruptcy court to withdraw these after speaking with an attorney. This credit bureau has neglected to properly investigate these items and refuse to remove these inaccurate public records that is tarnishing my credit report. I am including information that shows these public records were terminated/vacated AFTER being dismissed, therefore should not be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit 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/XXXXXXXX  I was in XXXX and purchased two pictures and a figurine. I gave the guy my credit card to charge me for the merchandise and a few days later I saw the charge for over {$2000.00} on my card in two separate transactions. I got home on a Monday night Tuesday morning I called my Credit card to dispute the charges. They looked into it and on Thursday I got a letter telling me that the charges were found to be not fraud, and it would be credited back to my account. I called on Friday morning to talk to the manager of the fraud department and explain to her what happened and she told me that nothing could be done and that am going to be resonible for paying you for paying that {$2200.00} that I didn't spend. They told me because the actual card was used to make the purchase. This guy used to machines the first one. He told me it didn't work and then he ran my car to get on something else and I believe that he scammed me out of this money and I should not be responsible to pay for it. I don't have a receipt because the guy was supposed to mail me a receipt and never did for the items that I actually purchased. 
Here is a list of the purchases I did make in XXXX XXXX XXXX {$58.00} SXXXX XXXXL {$56.00} XXXX XXXX {$83.00} XXXX XXXX XXXX {$270.00} I did not purchase the following - I have no idea where this came from. 
XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX  {$910.00} When the credit card company saw this kind of large charges they should have contacted me right away. And they should have been flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-01-16
Company: EQUIFAX, 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:
FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XX/XX/XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX {$1200.00} FCRA XXXX : hard enquiries not mineXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: JPMORGAN CHASE & CO.
State: CO
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 disputed a {$2000.00} UNAUTHORIZED charge on my credit card with Chase card services. Chase 's investigation concluded that I am responsible for the charge because they believe I have benefited from the transaction WITHOUT providing an invoice or contract for services or products. I have been requesting PROOF of the benefits I received for this {$2000.00} since XX/XX/XXXX. The only document Chase provided is an automatic email from XXXX showing the merchant has charged me the {$2000.00}. 

In addition, I provided Chase a text message from the Merchant stating that he made a mistake charging me and claimed he has issued a refund. I did not see the refund on my card nor did I have PROOF from Chase that they PAID the merchant. 

Under federal law, I am only required to pay a maximum amount of {$50.00} for the fraudulent charges made to my credit card account. 15 U.S.C. 1643 ( a ) ( 1 ) ( B ). As such, the burden of proof is on Chase to prove that I benefited or authorized the disputed charge. 15 U.S.C. 1643 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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:
I received a copy of my credit report and found the following item ( s ) to be in error :

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 2023-10-31
Company: Nelnet, Inc.
State: NY
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:
I made several calls to Nelnet before the month of XXXX. I spoke to an agent named XXXX. He took my verbal permission and assured me that I was enrolled in the XXXX XXXX and interests are covered by the government under the save plan. On XX/XX/2023, I see interest has grown a lot more without justification and when I call, I speak with an agent named XXXX. XXXX states that I was only on an XXXX plan ( XXXX XXXX ) and I was not on XXXX XXXX as XXXX stated. Seems like XXXX agents gave me XXXX different answers regarding my account status. I should have been on the XXXX Plan before the month of XXXX as per discussion with XXXX but XXXX states that Kevins Save Plan verbal request did not go through and she takes another verbal request from me. I do not agree with interest rates on Nelnet. They are severely higher than what student aid gov shows and they have given me wrong information regarding my account XXXX XXXX which affects the interests rates as well. They are not accessible via phone as wait times to reach an agent is XXXX hours and they do not respond to emails and they do not have secure live chat or messaging upon logging in for customers. They refuse to have a open line of communication with customers. They avoid customers and apply interests without clarifying. They only reached out to me with XXXX call because they heard a report was filed on CFPB. When I call them XXXX times a day and wait XXXX hours on hold, they do not answer my questions regarding my account but when they hear a report was filed, they call. It is clear to me that they only care about avoiding customers concerns in order to apply more interests. They take advantage of customers by avoiding them or giving them inaccurate information. They only reach out to customer when a report was filed to protect themselves but not to help the customer. They never called me to follow up on my requests. There is no way of communicating with them and they use this to their advantage to apply interests daily. Therefore, I do not agree on any interest they applied to my account as they gave me incorrect information about my account. Their XXXX agents gave answers with discrepancies which leads to inaccurate interest rates. I should have been on XXXX XXXX with covered interest as per XXXX promise before the month of XXXX. However, this is not the case. I need clear answer from Nelnet with clear solutions to these concerns. They also need a proper live chat that is secure messaging available to promptly answer clients since interests apply daily. They need to be accessible to all concerns which is not the case. The only care when a report gets files unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX BANK XXXX XXXX XXXX / {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: DISCOVER BANK
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
MY ex XXXX XXXX has been holding my mail opening it and reading it. I finally placed a hold on my mail about a month ago He lives at XXXX XXXX XXXX XXXX XXXX NJ XXXX HE has been in my mail since XXXX. I have gotten another report from XXXX about my lease again They are going to repossse my car again This happened to me before because of him On my hold mail I get a letter from XXXX XXXX XXXX XXXX about being in arrears with my loan and Visa card I always had a good credit rating XXXX Now I get a letter from Discover that my credit rating is XXXX All this is because of him I complained to XXXX and they done nothing about him He pays people off to do his dirty work Legal Aid told me I cant do anything about him because he always uses third party He knew my XXXX XXXX XXXX had someone pulling it Then I learned he was sending all of my mail to his XXXX XXXX XXXX XXXX address He has ruined my credit rating And on my XXXX credit report last year he was still listed as my spouse I have been divorced from him since XXXX He does not work and lives off of me He has stolen my court documents my lawsuit and his sister XXXX XXXX XXXX changes things around on the computer for him He cant read or spell

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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: Their investigation did not fix an error on your report

Complaint:
Equifax is allowing XXXX XXXX to report false information on my report. - Questionable account number. Creditor has not provided to their company any proof or documentation of debt being valid/created by our client. Creditor is adding interests on a closed and charged off account per their records for more than 24 consecutive months at minimum. Account history is inaccurate and skipped month or reporting in XXXX of 2016 going from late 30 days to charge off status. This is unverifiable. This account is not Metro 2 compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind my mortgage payment due illness and large Medical bill, my situation changed now and I ask SPS servicer of my mortgage to give me a payment plan to catch up with arrears, which I am willing pay along with my monthly payment, but they are no willing to do that they referred my account to an attorney for foreclosure, so far no date but it appears that it is imminent. I want to pay and keep my home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: GA
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 submitted an online dispute with Experian on XXXX in reference to a collection account with XXXX XXXX XXXX. The collection was paid in full to a company other than XXXX XXXX. I was notified that XXXX XXXX no longer owned the account and could not accept payment. The results came back on XX/XX/XXXX and Experian reported the account as still open and not paid. On XX/XX/XXXX, the account status was updated as being paid, however Experian did not address the fact that under the FCRA, an account can not be reported or updated if the reporting company no longer owns the debt. At the time of payment XXXX XXXX XXXX   XXXX owned the debt and that is who received the payment in full ... not XXXX XXXX. Experian told me that they were unable to open a new dispute because the account has been paid and advised me to wait 7 years until the collection is removed even though the information regarding the owner of the debt is incorrect. This is illegal

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 2023-08-26
Company: Tate and Kirlin Assoc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I recieved a letter claiming they were trying to identify if I was a certain XXXX XXXX for a debt. I sent the letter back with my reply of no, not who you are looking for and a stop contacting instructions. They then started a phone calling campaign, I again instructed them not to call me period, they keep claiming until they can verify if I'm the right person they will continue to call. Keep calling trying to get me to give them my personnel information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
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: Information belongs to someone else

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate. The bureaus requested me to verify my identity I provided verification and they have not updated my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: Maximus Education, LLC dba Aidvantage
State: MN
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:
I have repeatedly tried to reach out to the Department of education and XXXX  regarding the incorrect harmful reporting status with XXXX, XXXX XXXX XXXX. 

My loans have been consolidated and no longer in collections. The status remains and is causing me hardship. This needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I want the missed payments removed from my credit history. From the XXXX XXXX XXXX I paid all late fees but simply fell behind in payments due to Covid-19. I lost my job and had no source of income. I contacted Capitol one and discuss my situation due to the pandemic and was insured they will have a system in place for late payments due to the pandemic. I was locked out of my account after a few missed payments. I have XXXX debt with capital one and caught up on all payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2022-01-28
Company: Experian Information Solutions 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:
I am submitting this XXXX XXXX without any influence and this not a third party I Contacted company XXXX about an auto loan showing in my name that is fraudulent. I tried calling them 23 times and I believe im blocked now I did not open this auto loan. Auto loan agency stated I needed a police report, my signature on a piece of paper five times, copy of social security card and drivers license. I dont feel comfortable sending a copy of the last three items in that list. I sent them instead my FTC report along with only a copy of my drivers license and a personal social security number to compare against on my drivers license address. XXXX is based out of XXXX, MD according to the website and this loan was opened in XXXX, MD they informed me when I live in Illinois. These dont add up and should have been a red flag when it tried to be opened. I also had a XXXX XXXX through Experian and XXXX at the time this was opened and they still opened the account.this the account number ( XXXX ) that appears on my credit report balance {$42000.00} please help me PLEASE

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 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
Im writing to dispute the validity of the reference item pursuant to the fair reporting act. This item has been removed from XXXX and TransUnion due to the fact no such debt exists. XXXX failed to respond and failed to comply with the FTC of noncompliance. To remove the account and be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: MoneyLion Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
XX/XX/2019 - Money Lion Loan company reported falsely on my credit report that my account was delinquent. I have made numerous call and provided Money Lion with the correct account information and I know they have it as I have numerous banking transactions coming out of my account from them to pay back the XXXX credit builder loan my current balance is XXXX however I believe it may be less as the are constantly taking money from my account but I do not know what has been applied to the loan or what has gone towards membership fees. I have asked numerous times to pay the loan off but they just will not do it. I also have an investment account in which they are holding XXXX in which I have no access to whatsoever. I have called and spoke to numerous reps and Im very scared that my credit identity has been compromised. Please help as I have read numerous complaints about this company and their credit builder loans

Company response to consumer: Closed with explanation