BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of these items from my credit report, which is the result of fraudulent items origination and identity theft. These fraudulent items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Between XX/XX/2019 to XX/XX/2019 XXXX XXXX charged me {$3200.00} for the services provided for my son 's dog XXXX. She sent invoices from the hospitals and also collected additional funds. The invoices were for XXXX XXXX emergency admittance and XXXX. XXXX was never performed though she said it was. She also failed to comply by providing the records of any services that were rendered to XXXX. This put XXXX in danger and in absence of the records, it is causing heavy inconvenience for us to have XXXX registered in XXXX. This is a clear case of fraud and when I tried to contact XXXX XXXX XXXX for the transactions done via online banking, they could not help. The transactions using Zelle ( through XXXX XXXX XXXX ) are below. 

They are to XXXX XXXX ( XXXX XXXX CA phone - XXXX ). 
XX/XX/19 - {$480.00} XX/XX/19 - {$740.00} XX/XX/19 - {$990.00} XX/XX/19 - {$50.00} XX/XX/19 -  {$670.00} Please help this resolve this ASAP and have XXXX provide XXXX 's records and refund the excessive money she charged for the services that were not provided. 
Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: JPMORGAN CHASE & CO.
State: TX
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:
In summary, the case boils down to this : on XX/XX/2020 I paid XXXX ( " Merchant '' ) {$1900.00} for a seminar using my Southwest Chase credit card ending in XXXX " Chase Card. '' Issued by Chase Bank '' ( Chase Bank ''. ) Subsequently, I contracted XXXX and was unable to attend the seminar and cancelled my reservation. As per the merchant 's COVID policy, the Merchant issued a full refund/credit to my Chase Card. The problems begin at this point.

To this date, after my numerous phone calls, emails, and faxes Chase Dispute Department, they have failed to process a refund/credit. I am submitting this complaint to the CFPB with the goal of having my funds returned to me. Please understand between the Merchant and Chase Bank there is {$1900.00} unaccounted for and owed to me. As you can tell from the attached supporting documentation the Merchant maintains the was issued from them. Chase Bank should review their accounts for my missing {$1900.00}, I am certain that an internal audit of their records will prove they are holding an excess of {$1900.00}. In the event that Chase finds the merchant failed to properly process the refund, then the onus of collecting the {$1900.00} falls on Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: TN
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$870.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been lied to by XXXX XXXX Auto Finance. Here is what happen to me. I set up a payment plan with XXXX XXXX Auto Finance. They told me on a recorded line that my account will not show up late to all 3 credit bureaus if I accept the terms to make all my payments. When they explained this to me they spoke really fast like a car salesman/commercial. I asked them to repeat what they said and they spoke even faster. I trusted the person I was speaking to and took the deal. I took the offer and made all my payments, Then I checked to see that 3 late payments reported to my credit report.

I have contacted them several times about this manner and spoke to employee # number XXXX, XXXX XXXX XXXX and XXXX  at the president office. And they continued to lie to me about the late payments showing up on my credit report. And they never replayed the original recordings.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: MD
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-07-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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 explanation
Consumer complaint received 2023-07-17
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-09-08
Company: EdFinancial Services
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial and requested a refund on my XXXX dollar lump sum payment I made on XX/XX/XXXX that I am entitled to through the CARES Act. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. On top of this, the phone representative stated that it will take another 150 days after the refund is processed for the balance to be reflected in my bank account, so I am looking at potentially a full year until I receive my money I am legally entitled to. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. This disparity shows a clear lack of respect from edfinancial and perhaps even malintent to try to push refunds until after the payment freeze. 

Not only is edfinancial taking significantly longer to process refunds than other servicers, but they also refuse to send any verification that the refund is being processed and I have no emails or anything to know if they even filed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: DFC Global Corp.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am a 100 % XXXX veteran on a fixed Veteran 's XXXX compensation. My monthly income from my VA XXXX is approximately {$3000.00}. I have additional monthly requirements to pay out of that amount including my car payment ( {$210.00} ) and insurance ( ~ {$200.00} ), credit card payments ( ~ {$500.00} ), shared rent/utilities ( {$1500.00} ). 

Around early XX/XX/2019, I was approached about a potential business opportunity that required I put in {$2500.00} as a " partner '' to cover the start-up expenses like filing the business documents with the State of California and the local government. This money wasn't readily available to me so I went to " Aspen Direct '' online to see if I could get a loan. I provided my income and debt statements ( above ) to the processor. They said they could approve the amount- {$2500.00} - at 130.93 % interest. I did not understand what that meant but because I was trying to participate in this business, I signed the contract. I made all of the payments on-time and out of my personal XXXX funds. 

Approximately six months later. I received a notification that I could increase the loan principal if needed. Because of the situation with the " business '' I was trying to participate in, I accepted the offer and took out the additional amount still not understanding what the interest would mean as far as a repayment. 

I was paying these loans out of my personal fixed finances until the business was able to take-over the repayment. At that time, I called Aspen Financial to change the payment account to the business and authorized auto-pay. 

As a result of COVID-19, I was unable to make payments. I called Aspen Financial to request a deferment citing that I was financially impacted as a result of COVID-19. They would not provide any allowances for non-payment with a COVID-19 excuse. I repeatedly explained that I was on a fixed income and that my " business '' had suffered directly as a result of COVID-19 closures but they insisted that it be repaid immediately. 

I made multiple attempts to work with Aspen Financial but they have not worked with me in any capacity. I've previously requested a copy of my payments vs balance only to be told it's not available. They have now reported this to the credit bureaus as a " serious delinquency '' and a collection XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Experian Information Solutions Inc.
State: NC
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting incorrectly an unpaid collection for {$5100.00} on partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account has a {$0.00} balance and was opened in 1993. XXXX and XXXX  are reporting this as a paid collection. This account is well over 7 years old and should not be reporting on my credit report. This is a violation of the Fair Credit Report Act. I have contacted the bureaus to fix these issues, however I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from 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 explanation
Consumer complaint received 2021-02-09
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXXXXXX XXXX  TD Bank Rep. Lied & Said He Didn't See My Trustfund Money But He Did. When I Asked Him To Let Me See. My Account He Was Looking At On His Computer. He Refused By Saying Oh I Will Print Out A Receipt. So U Can See Your Balance. Then He Took My Old Debit Card Ending With XXXX. In The Back Of The Bank. And Gave Me A New Debit Card & Told Me. To Activate When I Get Home. But I Told Him To Activate It There. He Had Already The New Debit Card Before He Gave It Too Me. XXXX Told Me To Pick A Pin Number & I Did. Then XXXX Said It's Activated But He Been Did It. XXXX Thinking He Was Gon na Steal My Money But He Can't .XXXX  Gave XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX A Debit Card With The Same Numbers As Mine. So They Can Try To Steal My Trustfund Money. But They Can't No More.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: AZ
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:
Hard pull from XXXX, XX/XX/XXXX all three reporting companies gave me a hard pull from XXXX, XXXX and XXXX had it removed as I have never tried to get an account with XXXX, Equifax has not removed this hard pull from my account! I need this fraudulant pull removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-19
Company: Southwest Credit Systems, L.P.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2015, I returned equipment to XXXX XXXX to disconnect services. They advised me I had to call a number to disconnect even though I turned my equipment in. I called that number and after 18 minutes or so and the 2nd person trying to keep me from ending service, I disconnected the call. Fast forward, XXXX continued sending me bills for service. I made 3 trips to the office to fix the problem and it was never done. I finally advised the agent ( manager was not available ) that I would begin billing them for my time. I never heard back after that until a year and half later for 4 months of service after I returned equipment. The company would not accept that the equipment was returned and a call was made to disconnect. I advised them I would not pay this, especially with knowing that they shut service off after 30 days without payment, why would they ever bill after that point. This went on for another 2 years that I would speak to representatives and managers to demand they look at activity on my account after equipment return and they declined to do so. I have now had a collection from Southwest Credit Systems placed on my credit report that is not a responsibility of mine and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation