BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-27
Company: Early Warning Services, LLC
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:
its accounts being reported on my XXXX XXXX and early warning report that's not mine due to Identity theft and fraud some even have inaccurate addresses XXXX XXXX XXXX XXXX XXXX XXXX Florida I never lived there and when I went to locate the Adress it's an empty home. Also XXXX XXXX XXXX XXXX XXXX XXXX Fla XXXX never lived there and I never lived in XXXX XXXX XXXX XXXX XXXX Fl XXXX. My wife and I XXXX XXXX were victims of Identity theft and a lot of accounts been opened in Our name some XXXX and XXXX XXXX, XXXX, XXXX XXXX and also Inquiries. Please assist us in getting these issues resolved. This is Our Final step before filing a suit in Federal Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: JPMORGAN CHASE & CO.
State: FL
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 rewards from credit card

Complaint:
Chase Credit Card XXXX rewards Premier. You get 1 elite night credit for each {$3000.00} in purchases. I made a large purchase in order to receive these credits. Purchase {$12000.00} XX/XX/2018 on the card to get these nights and the total monthly bill was {$14000.00}. They kept send emails to upgrade to the Premier Plus program. It sounds like you get the Premier perks, PLUS more. I upgraded a couple of weeks after the purchase. They have not given me the 4+ Elite nights credit. I called in XX/XX/XXXX and they assured me that it would happen with 8 weeks of purchase. It did no happen. I filled out an online form asking about the Elite nights at Chase.com and no response. I called again a few weeks later, now the aren't sure if I will get them but supposedly they put it in to the promotion dept. to be reviewed. They told me to contact XXXX XXXX. I did, and they said Chase did not give them Elite Nights. On the bill XX/XX/18 - XX/XX/18 it shows the account is st

ill Premier and states the Elite night benefit. ( attached ) The next bill say PLUS.

I could have used another card, but used this one for added nights that I need. They won't respond, and you can't go back the Premier card. It was a misleading promotion. Still, these purchases were made before the upgrade, so the Elite nights should be given. 
Please help them to understand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-27
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I opened this credit account last winter, almost one year ago. I had an emergency at my home and needed some type of credit to pay for needed construction work. I was given a small line of credit, I believe {$500.00}. At the time I had expected to be able to pay this debt off in under six months. I am not saying I did not agree to the terms. I did. That is not what this is about. Unfortunately, my husband got laid off only a month before. We thought he would have been back to work in no more than a month but it did not work out that way. it took longer than expected, just over two full months and of course we didn't start seeing paychecks until almost three months. We were hard pressed to even pay our mortgage which we had to make principal only payments on for a few months. We had to put oil in our tank, and pay all our essential bills, including several credit card payments, this being one of them. It took us well over six months to recover from the hardship especially since I was not working. I recently noticed, my monthly payments werent ' making a dent in this debt. I contacted the bank asking if something could be done, to lower the interest rate and maybe remove some of the interest etc. I was promptly denied. I had also approached another bank with another credit card and had very positive results. The bank worked with me and removed a few hundred dollars of interest and put me on a 0 % for the remainder of that balance. I was very pleasantly surprised. However, Barclay refused to do anything to assist us. Nothing. I have since gone on XXXX  XXXX in early XXXX. To this day we are still struggling and feeling the effects of my husbands lay off last XXXX. I can not believe that I have to pay hundreds of dollars of interest on a {$500.00} charge. It is insane. I don't want to have to make an ugly decision, like having to default on this credit card but I can not continue with this debt. I need help. The interest rate on this card is very high and I feel the bank is taking advantage now.

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 2019-12-27
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
An account with XXXX XXXX XXXX  was opened without my permission. I have contacted them numerous times to no avail. They sent me a letter stating that they sent the card to an address that I never lived at nor have I ever been affiliated with. This is unacceptable. Sending me proof that it was sent to a bad address does not prove anything ; it shows that this was clearly fraudulent. Please remove this account from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not deny that I am usually late on my car payment however, I get phone calls on a daily basis starting the very first day the payment is due and it is n't just one call it is several calls per day and the the Finance company does n't leave a message. I have XXXX phone service and every call coming in or out is logged. My house phone also logged the call and is an answering machine. I have told the XXXX XXXX XXXX customer service people several times that this is a violation but their response was they are going by their company policy. I do n't think they care about consumer protection laws.

This has been going on since I purchased the vehicle almost 4 years ago. I get behind but I always catch up and for the most part I am usually only a week to 10 days late and I pay the late fee.

I think 1 call with a message would be sufficient but they see fit to continually harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I regrettably entered into a contract with TitleMax who with great deception explained to me the conditions/terms leading me to believe this loan would be relatively simple and quick to repay and with a small flat interest rate. The employees undoubtedly took advantage of my lack of knowledge and experience. 
To my dismay I am unable to find the exact date I entered into this contract despite The fact that the website claims by downloading the app you're able to view your payment history.. Come to find out that is not true. Evidently when I make a payment each month towards my balance of what i thought was to take repossession of my title it is in reality only renewing the contract. That all on it's own is not at all what was explained to me and/or explained to my wife. I have asked in person for a payment record but titlemax has failed to provide this or any additional information or explanation whatsoever. I Would estimate I have been paying titlemax monthly for at least a year now, Which would total much much more than I ever would have dreamed I would be paying them and for something I already own. My vehicle has been repossessed by them one time as well which I had to pay over XXXX XXXX dollars to get back. The payment I am required to make every month fluctuates an average of XXXX dollars or so and it seems nobody at titlemax can give me a legitimate reason as to why. I am frustrated beyond belief with this loan shark of a company. There must be something I can do or by God 's grace and mercy someone able to help me. I feel there should be something in place to bring awareness and hopefully prevent others from falling into this trap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, 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:
TransUnion has been reporting false and inaccurate information about my credit to other creditors which is causing me and my family to get denied of loans this is causing a problem on my livelihood because I am getting denied access of things that I should be getting approved of because I am the original creditor however I did reach out to TransUnion by mailing a certified letter with my ID and my social security number letting them know that they need to remove these inquiries off of my credit because I did not give written or verbal permission for TransUnion or any of these companies to put this information on my credit according to the law Act Section 1681b ( c )

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 2019-12-27
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, 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:
RECEIVED A ALERT THAT MY CREDIT WAS BEING APPLY FOR FROM XXXX THAT WAS AUTHORIZED BY MYSELF.

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 2019-12-27
Company: EQUIFAX, INC.
State: LA
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:
Equifax has FAILED to delete an account off my credit file that I DID NOT open. I sent them a police report and shown that the account has different billing information on it other than mine. Every knows how easy it is to apply for anything online without physical verification! 

One credit bureau has already deleted the account instantly as attached. 

I DEMAND EQUIFAX TO DO THE SAME!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize or remember the following hard inquiries on my XXXX credit report which may be on my other reports as well and used without my knowledge : 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 2019-12-27
Company: National Recoveries, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
National Recoveries Inc. XXXX XXXX XXXX , XXXX XXXX , MN XXXX, ( collection agency ) is attempting to collect from me monies on a discharged student loan. They are unable to validate the debt they claim I owe them. I never contracted with them and they are attempting to collect monies from me for a student loan that was officially discharged on XX/XX/2012 through the IRS and was taxable income.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2019-01-08
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I happened to know of at least two people, XXXX XXXX Case # XXXX and XXXX XXXX Case # XXXX, whom no ID info was required. They in turn know others for whom the same applies. Your request is very suspicious and not required. The Fair Credit Reporting Act does though require that I be treated " fairly '', I assume that would include a manner consistent with other consumers. Your request is to say the least is inconsistent with past cases against you and smacks of delay tactics since by your own admission LexisNexis has not to this date " received responses '' from the credit bureaus. Please immediately remove the following public records from my file or provide me with the documentation to prove your request for my personal identifiers is warranted and consistent with other cases : US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX US BKPT CT IN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-27
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:
I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have an authenticated sworn testimony from my end which I will gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. ******* ( copied form the affidavit ) ******

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2019-12-27
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get this fraudulent account removed form my credit reports as it doesn't belong to me XXXX XXXX XXXX XXXX, Nissan motor acceptance has refused to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
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 belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$9500.00} ; XXXX XXXX XX/XX/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 2022-01-21
Company: EQUIFAX, 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: Navient Solutions, LLC.
State: CO
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:
I have filed an attorney general complaint about several issues and misuse of handling grant money with XXXX College was never taken care of. I never received any grant money and did not see credits posted on their journal of showing it offset charges towards receiving them and crediting the amount. While transferring to schools back in XXXX XXXX to University of XXXX, a balance of XXXX was remaining on my account with XXXX College. This amount could of been grants that were sent back, but did not get a clear understanding of the amount showing on the journal when asking what happened to my grant money? I never received a check for my grant money while attending XXXX in XXXX and XXXX. Also, University of XXXX provided me a letter of receiving a grant for XXXX and I did not receive this from them also. This letter is attached for XXXX. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting 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 urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-03-13
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, 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:
On XXXX XXXX XXXX, the below company made a hard inquiry on my XXXX credit report and I never applied for credit with them. I would like this removed from my report. Thank you- XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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 2019-12-27
Company: GOLDMAN SACHS BANK USA
State: CO
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:
XX/XX/2019 1st I was notified by Marcus by Goldman Sachs Personal Loans that in these exact words : " XXXX, please read, weve enclosed details on how to reapply! Your Loan Options are Waiting. 
It won't hurt your credit to see your loan options. '' So i followed the instructions, I was denied a small XXXX XXXX dollar loan. The very next notification i saw was from my Credit Alerts : Heads up : You have new alerts on XXXX. 

How am i supposed to get hard inquiries off my report if they keep trapping me into getting them like this? I was set up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: PNC Bank N.A.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went in the bank where Im a member and ask for a loan that only requires your EIN number for business I was told over the phone it was offered but when I got to the branch they told me it didnt exist and ran my name and social for a different loan told me I was denied and sent me out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I called and spoke to a representative and explained that I do not about this card, I did not authorize this card I am a victim of identity theft, I sent over my documentation showing that I'am a victim of identity theft they did not care they were very rude and unprofessional.

Company response to consumer: Closed with explanation