BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-12
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:
Experian is reporting a charged off account whose first delinquency was XX/XX/XXXX. They have not indicated on my report when the account will be removed yet the two other credit bureaus are removing the account in XX/XX/XXXX. At the latest this account should be deleted by XX/XX/XXXX. Ive disputed multiple times and Experian continues to report inaccurately. The date of Status is from XX/XX/XXXX so I dont believe that they are contacting XXXX regarding my disputed. Usually when a dispute is submitted, the date of status is current. The date of status they are reporting is from 2 years ago.

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 2021-02-14
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon calling I informed them that any medical debts that I had were covered under insurance and had no record of this debt, they would not send me documents with my signature that I agreed to pay this amount nor would they verify that I signed any contract for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: EdFinancial Services
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just pulled a credit report from XXXX that was generated on XXXX 

I paid all of the EdFinancial balances off in XXXX XXXX However, all of the balances from EdFinancial are showing last updated as of XX/XX/XXXX  and are still open. Now that we are going into XXXX, I believe they should be accurately updating and reporting the status of my balances. Especially since the payments on student loans are starting again soon, I do not want a chance to get marked as late payment because they are fully paid off, I have no need to make payments. 

Thank you, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-04-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father passed and I the property has been left to me, The mortgage has matured out and the mortgage has ballooned out. I need this mortgage modified for a mortgage payment to be affordable and the mortgage fixed for 30years. I don't want to lose the property my mother resides in the property and I also stay there to assist with her care.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: SYNCHRONY FINANCIAL
State: CA
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:
In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2021-11-05
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:
I have sent letters to XXXX, Experian and XXXX stating that the items on the letter enclosed aren't mine and they are a product of Identity Theft I have sent them a police report as well. They aren't sending me any response letters and when I call they tell me they never received the letters nor the report so I have decided to file a complaint with CFPB and FTC because they are totally compromising 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 non-monetary relief
Consumer complaint received 2021-09-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have deposited one at Chase Bank. The check returned to me by my landlord before is a check in my name. I know it is in my account. Hello, hello people tell me. This check is not me I cant cash it in. Then Ill tell him, Ill tell the bank, if there is no way to give it to me first, then you will return the money to him. 

The previous account will be returned at XXXX o'clock differently. They said that he must write a check. This person asks for a refund. Then I said I cant do it, and the person with the mobile ticket refunds. They just do. Say, then. This check can only be the same for them, and son Hold lives over there. Because if he grows up and doesnt return it, then I can get the money I get now. If it doesnt return, Just being there after they have been there, I'll just ask. 

Isnt it? It means drifting into your hands. Thats because you have the final say, I dont have it, and I cant ask you to refund it. The refund will go to his previous account, and the account will be refunded. You can still tell me, definitely Asking me to take a person to the bank, I said I cant take me to tell them many times. And I told them about this before, and I called them about 100 months ago. I told them on the phone. 

Today, one or two months later, if they still didnt help me, they just got it there, or they kept saying wait for me and wait for me to wait for me to go in. I said people before me said that I cant If I can go in, its okay for me, but he is actually him, and I cant ask him to go in with me because of who this is, especially the landlords who gave me things and asked for money.. 

And if I post something, he can go to other countries not in the United States, so I can't go in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: EQUIFAX, INC.
State: WA
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 2023-01-25
Company: Sequium Asset Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is fraudulent activity I did not authorize anybody to sign me up for this account with this company if this doesnt get resolved ASAP I will use legal actions according to the federal law the debt that this company is trying to Collect for me was sold and not being authorized to do so I am obligated to use legal actions I want this account to be removed off my credit report as soon as possible if this doesnt get resolved legal actions will be pursued

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I attempted to update my report bc I disputed errors, which Equifax failed to legally verify, and my credit reporting file no longer exists. I signed up for their monitoring service. After my credit report failed to upload, I went to another reporting agency to obtain my Equifax report-NO REPORT. I spent over an hour on the phone with them and they could not find a report. So, they are charging me a fee without my ability to obtain an updated report. I also tried a third site. Suprise! NO REPORT!! I do not have time to spend on the phone resolving this. This is absolutely unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: FIRST PORTFOLIO SERVICING INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Vervent/XXXX  has listed on my credit report, particularly XXXX, that I have an delinquent account with them. This incorrect. For starters, I have contacted them about this account which I never opened. I was advised that this account was opened with a credit card by the name of XXXX XXXX. That was not done by me and I don't know that person. Secondly, I asked them to delete the account by making a money order for the total amount on my report in hopes to remedy this. Vervent cashed that money order in XXXX of 2019. At this time, Vervent doesn't even own the account. It has been sold to another vendor, who has sent me a letter advising that they stopped all collection efforts. Vervent doesnt have any documentation on file to indicate that I opened this account or that I'm deliquent. This fradulent and I tried several times to remedy. This is my last attempt before I sue them. This entry is affecting me a great deal and it needs to be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: EQUIFAX, INC.
State: MO
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 account does not belong to me nor should it be on my file, im not responsible for this account. 

1. XXXX/ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I have a loan with NISSAN-XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and NISSAN-XXXX XXXX  with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters of dispute over the course of 5 months dated XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

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 2017-12-12
Company: Lending Club Corp
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: Account status incorrect

Complaint:
XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.

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 2021-11-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I didn't receive {$100.00} for a new account. I have asked the customer service of Chase. They said the banker named XXXX who helped me open my new bank account, didn't apply the coupon. However, XXXX said he had applied the coupon ( Proof in email screenshot Picture No. 1 ). 

The customer service of Chase told me that I could fix this by visiting the branch in person. However, another banker in the branch said XXXX was the only one who could help me fix the problem. I got in touch with XXXX again, but he said he felt sorry about the mistake but couldn't figure out how to fix it ( Proof in email screenshot Picture No. 2 ). 

Therefore, I contacted XXXX 's manager XXXX to ask for help or compensation. The manager XXXX said she would reply to me that week, but she didn't reply me. I emailed her again about how long I could get compensation. She avoided telling me when to give me an answer in a reply email. When I asked for a fix time, she stopped replying. ( Proof in email screenshot Picture No. 3 ). 


This experience is frustrating because no one could fix this problem. I have been following up on this matter for two months, but to no outcome. 

It's not my fault. I want compensation because of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: EQUIFAX, INC.
State: MA
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:
US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with Equifax, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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: Information is missing that should be on the report

Complaint:
XXXX Credit Agency Alert External party, unauthorized deleted an address on my credit reported. 

Former phone number and address alerts in use ; dark web alert. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Screenshots attached 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 2020-11-02
Company: STERLING JEWELERS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/19 a credit card was opened under my name with Kay Jewelers. I did not open this card and make any charges. The card was opened in kentucky and I live in Illinois. I've called Kay Jewelers ( XXXXXXXX XXXX  services-who manages the card ) they made me submit a fraud claim and fill out paper which I did and they still denied my claim. They currently are not taking any fraud calls due to Covid. This has killed my credit score

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a XXXX XXXX XXXX and financed it through Santander Consumer USA in XX/XX/XXXX. We sold the vehicle to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX sent a check for the amount owed on the vehicle to Santander, and as of XX/XX/XXXX the account was paid in full. XXXX XXXX owes me money on the vehicle, but they are holding the money until the receive the title. In South Carolina, titles are held electronically, therefore Santander must release the lien on the title electronically. Santander keeps sending letter stating the lien has been paid off, but they for some reason will not send a electronic release to the DMV. I can not get anyone from Santander to give me a clear answer, they just keep sending the letter over and over again. The DMV told me there is nothing I can do because Santander will not send over the electronic release of lien. The letter they sent really does not mean anything. Santander also keeps giving me different reasons for not releasing the lien electronically, and they tried to say South Carolina is not a title holding state, but they more definitely are. I have contacted Santander numerous times, and they will not help us. We are having money held from us because of this issue. I am not sure why they will not send the electronic release. This is become a huge issue for me, as I have spent hours trying to fix it situation. It is getting to the pint where it is becoming a legal issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I acquired my credit report and asked LVNV FUNDING LLC to validate a debt and ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I waited 30 days, and I havent received anything. Here is my tracking number : XXXX, which is the letter that I sent on XX/XX/2022, and LVNV FUNDING LLC received it on XX/XX/2022. Its been well over 30 days in which LVNV FUNDING LLC never responded. I submitted a complaint through the CFPB, and LVNV FUNDING LLC responded that they were unable to locate an account under the name of XXXX XXXX XXXX with the information provided and asked if I could please provide additional information, such as the account number ( s ), in order to help us locate the account ( s ) and address XXXX XXXX XXXX concerns. This situation is becoming overwhelming and frustrating because clearly as you can see in my letter I included the account number. Here 's my first complaint number with the CFPB : XXXX, in which the initial complaint was submitted. At this point, this issue has been very frustrating. LVNV FUNDING LLC has been displaying bad business practices and taking a reproach above the law. I mailed LVNV FUNDING LLC an invoice seeking payment for damages based on LVNV FUNDING LLC FDCPA violations. I will attach all documents as my proof. I have resubmitted a complaint with the CFPB showing records and dates on which I have tried to resolve this matter numerous times. LVNV FUNDING LLC has not only ignored the opportunity to honor my remedies but has also made life challenging and complex for me. Reporting such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and household purposes. You and your inaccurate reporting have damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 recently pulled my credit report from XXXX, TransUnion, and XXXX and to my amazement, saw that there are fraudulent accounts being reported in my credit report. I am a victim of identity theft. I did not make or approve of these transactions. This happened because of identity theft. There are two accounts which are opened under my name : XXXX PERSONAL LOAN ( ACC NO : XXXX ) and XXXX XXXX XXXX ( ACC NO : XXXX ). I sent a police report to TransUnion but the TransUnion reporting agency did not remove these fraudulent accounts.

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