BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
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: Account information incorrect

Complaint:
XXXX XXXX is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
The account XXXX XXXX is reporting is a charged off account which is canceled debt. A 1099c was issued. The account turns into gross income. Income can not be reported on a consumer report per federal law. This account is reporting inaccurate information. 
Consumer reporting agencies don't have permissible purpose. I have not given written consent. 
Delete this account from my consumer report immediately.

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 2022-03-07
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:
ALL THREE CREDIT BUREAUS ] XXXX, TRANSUNION AND XXXX HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ XXXX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on XXXX and not TRANSUNION AND XXXX ] TRANSUNION AND XXXX NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.

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 2017-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My U.S. Bankruptcy Discharged was final on XX/XX/XXXX.  There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy Case # XXXX XXXX. Judge XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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:
ALL THREE CREDIT BUREAUS ] XXXX, XXXX AND EXPERIAN HAVE DIFFERENT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT 12 U.S.C. CH 16 ; 1830-1831 ALL THREE CREDIT BUREAUS ARE TO HAVE ALL THE SAME INFORMATION AT THE SAME TIME. 

[ XXXX APPEARS TO HAVE THE MOST ACCURATE INFORMATION ] Old information remains on my credit reports and does not go away. Old addresses, phone numbers and employment. [ My updated student loan information is only shown on XXXX and not XXXX AND EXPERIAN ] XXXX AND EXPERIAN NEVER HAVE A REPRESENTATIVE AVAILABLE TO DISCUSS ANY ISSUES PERTAINING TO CREDIT THE INFORMATION REMAINING ON MY CREDIT REPORT MAKES IT DIFFICULT FOR ME TO GET GOOD CREDIT WITHOUT PAYING PHENOMINAL FEES.

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 2020-09-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The XXXX XXXX account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting 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 2019-06-25
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed for Bankruptcy in XX/XX/XXXX. Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) was included in the bankruptcy. 

I currently have an auto loan and credit card with XXXX XXXX. XXXX XXXX provides a credit monitoring service ( XXXX XXXX ) to it's member. On XX/XX/XXXX, XXXX XXXX informed me that my credit score was XXXX. 

Early XX/XX/XXXX, I received an alert from XXXX XXXX informing me that my credit score had dropped by 11 points. 

I immediately purchased membership to XXXX ( $ XXXX/mo ),  XXXX ( $ XXXX/mo ) and XXXX ( $ XXXX/mo ) in order to investigate and dispute the matter. 

I found that Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) had reported payment status to all three credit bureaus which caused my credit score to plunge. 

I filed a dispute with all three credit bureaus. The results came back the same, Nissan Motors Acceptance also known as Nissan-Infiniti LT ( account # XXXX ) confirmed that this account was part of the bankruptcy and that they should not be reporting on this account. 

However, to date ( XX/XX/XXXX ), my credit score still has not recovered. XXXX at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX  at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. XXXX  at the time Nissan/Infiniti reported in XX/XX/XXXX, my score was XXXX. Today it is currently XXXX. 

Today, as I prepared my evidence to upload, I noticed that the last date that Nissan/Infiniti reported to XXXX was XX/XX/XXXX. Nissan/Infiniti is still reporting and ruining my life. The current XXXX   report does not reveal the last date reported. XXXX XXXX website is having technical difficulties so I was unable to retrieve a current report. 

My credit is damaged. I can't apply for many of the credit card offers that I have received since XX/XX/XXXX. I would like to change my residence. I would like to rent a single family home, but I would not qualify for the rental of a house, in an area of my liking, with this damaged credit. 

I dont know where to begin to attempt to figure out how high my credit score would be if Nissan/Infiniti had not committed this error. All I know is the Nissan/Infiniti has caused me and my credit status grave damages and this must be rectified immediately if not sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Recently I opened Citi priority account through phone with a personal banker on XX/XX/XXXX, during the phone conversation I confirmed my mailing address XXXX XXXX XXXX XXXX XXXX XXXX twice and also faxed my credit card statements with correct address information to the application team. Then I received email stating that my card was mailed to XXXX XXXX XXXX XXXX XXXX XXXX. 
I called this team ( phone # XXXX XXXX on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX and requested to update the address to the correct one. Each operator was providing the different information to me - XXXX the operator kept saying they can not update the address and need to submit it to the personal banker and get his approval or something like that. 
XXXX the operator said will submit the request XXXX the operator said she saw the request and will send follow up email XX/XX/XXXX the operator insisted they can not update the address within 30 days, but when I mentioned it was a mistake caused by their team, and there should already be a request, he said he will follow up with the request and I should receive the email when it's updated. 
XX/XX/XXXX and XX/XX/XXXX both operators confirmed the request and asked me to follow in 1- 2 business days to make sure both street and apt numbers are updated. 
XX/XX/XXXX the first operator asked twice what's my questions, when I repeated twice it's regarding the update status of my change of address, he put down the phone and kept me on hold without any word. I had been waiting for few minutes and hung up. 
the second operator was rude and arrogant I requested to speak with the supervisor and file a complaint. She said they don't have any supervisor and they are the only team for account application. I then requested to close my close immediately.

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 2019-06-25
Company: American Elite Recovery, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have been receiving robo calls and texts stating that this is a final attempt to reach me before forwarding the file to my place of employment. When I did call back the first time, the man had my social security number and said his company would be adding my spouse to the debt because they could do that in Missouri. He never announced what company he was calling from. XXXX questions asked if I was recording the call or if anyone else was in the room. He was very rude and unprofessional. Offered a " deal '' and when I asked when it would have to be paid he yelled and said he was marking it as a refusal to pay. Received text requesting a return call and I called. This time, " XXXX XXXX '' answered on XX/XX/XXXX about XXXX XXXX CST at XXXX. I told her I have not received any verification of debt. She told me to hold on and she would send it via email. She sent it, but it had some grammar errors and red flags in the letter, so I terminated the call. The letterhead lists the company name as American Elite Recovery.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-07
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX ( XXXX ) switched banks to service their credit card to Commenity Bank. I was in good standing with XXXX 

The transfer of accounts from one bank to the other should have been a transfer not a closing of one account and an opening of another.
My credit score took a big hit 28 points by Commenity Bank closing my account. This account with XXXX XXXX was opened less then a year ago and had only {$66.00} left on the account. Because Commenity Bank closed one account and opened a new one- my credit score went down. 

They wo n't do anything to fix the problem. If this was the situation with a new bank taking over an account, I feel like I should have had the option of closing my account on my own without opening another one.
What can be done to fix my credit score? This wo n't sit will with a mortgage company seeing a 28 point loss this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I feel as though I was pressured into signing up for a degree in a career that did not, and still does not need a degree to perform. I currently having to pay put {$29000.00} for a career that I could have done on the job training. I was not advised that this career did not need a degree. I don't see how a school is allowed to offer a program that should not be a program. My interest rates were not explained to me properly, so now every month the cost goes up. This school and lender target young, adults who otherwise can not afford to go to a University.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Hello, Chase had closed my account and held my balance in suspension due to a third party check. Chase said they will release my funds and mail it to me after ; I go to a branch with the person who signed over the check. I did what they said and that person provided 2 forms of ID also. The person at Chase said that everything is cleared and I should get a check in 15 days. I went in XX/XX/2022 and it's almost a month later and I still haven't received the balance of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: BlueChip Financial
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Company is not legally licensed to do business in my state. Interest rate not allowed per state usury laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: EQUIFAX, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: BANK OF THE WEST
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since I opened my account with Bank of the West in XXXX of 2021, they have consistently stolen from me. They fraudulently opened an account in my name that I did not ask for or authorize. I have contacted them at least twice a month since I opened the account, filing several claims against them along the way, and they refuse to address their associate 's fraudulent actions and change my account to the correct one that I had initially chosen. To date, they have stolen {$80.00} from me, and continue to do so on a monthly basis. If they do not refund the money they stole from me and close this fraudulent account today, I will be filing legal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Telsa Motors Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After Tesla XXXX XXXX passed inspection on XX/XX/2022, I was informed to pay my invoice. The invoice amount ( {$75000.00} ) exceeded the amount in the XXXX Purchase Agreement ( {$73000.00} ) accepted just 2 days prior. I contacted Tesla by email immediately ( XX/XX/2022 ) and receive a response on XX/XX/2022 indicating they would correct the invoice. I continued to receive messages/emails asking I pay the incorrect invoice. Each time I contacted Tesla to check on the status ( via phone - on XX/XX/2022, on XX/XX/2022, on XX/XX/2022, by email again on XX/XX/2022 ) they indicated they would correct the invoice - but no correction has been forthcoming. They have since removed the ability for me to make a payment, and are now threatening me by sending the account to collections, even though the issue is ENTIRELY due to their negligence/ineptitude/error.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
My credit report is being negatively impacted by a creditor that repeatedly send inquiries regarding a debt that I had disputed and that they neglected to correct ( or offer an explanation ). They also failed to report the dispute to the credit reporting agencies and continue to submit multiple inquiries to the agencies stating the exact erroneous information.
The majority of these inquires either do not reflect any information ( just notes N/A ) or repeats previous information like " account closed ''. In just a 4 week period ( XX/XX/XXXX thru XX/XX/XXXX ) the creditor made XXXX inquiries with one of the credit reporting agencies ( XXXX ) even after they reported the account was closed. 

This tactic is obviously having a negative impact on my overall credit score and appears to be designed to make it look like there are numerous negative activities rather than the single one in question. 

I am requesting that this creditor be compelled to stop this practice and reflect that this debt was disputed and not resolved without providing me with a definitive explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We got in to a Loan Modification with XXXX XXXX XXXX on property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX on XXXX XXXX, 2011 for a fix interest rate of 2 % for the remaning of the note. They sold the note to Bayview loan servicing on and now we are charging us 4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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 have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, Experian and XXXX back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.

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 2022-03-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Some time during the last week of XX/XX/2021 a check was stolen from the desk drawer in my private office at work, and subsequently cashed at another bank. The signature on the check was not mine. Check # XXXX in the amount of {$15000.00} dated XXXX. 

When I saw the check on my bank statement about 1 month later, I immediately called the police who arrived, and filed a report, and I called Chase Fraud Services and explained what happened. I provided all necessary paperwork and documentation including the police report and signed affidavits. I subsequently closed all accounts and opened new ones. A detective is working on the case. He stated it will be months before any progress is made, if any because banks are very slow to respond to subpoenas and by that time any video recordings of the transaction will be long gone.

During the initial call with Chase Fraud services I was reassured that because my bank account funds are insured by the FDIC I would be credited back for the fraudulent check. These phone conversations are recorded by Chase. I was then asked a few questions and I answered as accurately as I could, but later realized these questions seemed to be phrased in such a way as to protect the bank from liability. 

Ultimately my claim was denied by Chase Fraud Services. See enclosed letter dated XXXX. 

When I called Chase Fraud Services to question the claim denial, Chase Fraud services said that as per my answers, I did not take adequate precautions to " conceal '' the checks. Of course they were concealed they were inside a drawer of the desk in my private office that is off limits to the general public, but apparently that didn't stop someone from sneaking in there and removing the check.

Another question that apparently caused the bank to deny me reimbursement of the stolen funds was " Does anyone else have access to the checks in your deck drawer ''. My answer was " yes ''. My bookkeeper has access to the contents of my drawer- but they didn't ask me to clarify who has access other than myself. 

As I stated, despite early promises that the issue would be resolved to my satisfaction and my account would be credited, Chase Fraud Services ultimately denied my claim stating that I did not safeguard the checks carefully enough. Please see enclosed denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened up a US Bank account a couple of months ago. I was never informed that it would accrue monthly service fees and while I was using it, the account never accrued service fees. I then stopped using it and I believed that it would continue to remain at a zero balance and that was that. However, a couple of days ago, I found an envelope with a letter that stated the account had been charged off and that I owed US Bank {$44.00}. US Bank never sent me a letter warning me of a charge off until the charge-off has already taken place!

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