BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$11000.00}

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 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
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:
EXPERIAN, XXXX, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX -- -> : {$260.00} XXXX XXXX XXXX XXXX XXXX -- -> XXXX {$200.00} XXXX XXXX XXXX XXXX -- XXXX : {$0.00} XXXX XXXX XXXX  XXXX -- XXXX : {$450.00} AXXXX XXXXXXXX -- -> : {$82.00} XXXX XXXX XXXX XXXXXXXX -- -> : {$0.00}

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 2023-03-31
Company: Experian Information Solutions 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 am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. XXXX XXXX XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$440.00}.

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 2019-04-04
Company: SYNCHRONY FINANCIAL
State: IL
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 have about 39 hard inquiries on my credit report that I do not reconized and did not authorized from different places. I have called two out of the three credit bureuras and was denied when asked them to removed the I was also told I had to wait the two year waiting period so they can fall off. I have contacted they companies that said I gave they permission to do a credit check and I was told it was nothing they can do about it

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 2019-10-31
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received an email stating that my requested forbearance has been approved. I NEVER requested or had any intentions on a forbearance. My account was over 100 days past due. I was leaving it as such. Because I have no means of paying my student loan ( s ) now generally speaking. When originally asked prior of other options. I was notified that only forbearance was a temporary option. Months prior. Little did I know that was Navients way of adding fees. Also little did I know. Account information was incorrect. But that wasnt my issue this time around. They finally have taken it too far. After this letter of forbearance came. I called them to state I did not under no circumstances request one. And have no means of paying. They placed me on hold only to say the co-signer requested it. Yet a request for forbearance would state and show a payment. Reguardless if thats true Im primary and I know I NOR the co-signer can pay. I didnt really agree that the co-signer requested it. But I left that issue alone as I learned months ago after speaking to customer service. They arent in the business of helping. ( I have no problems with my federal loans they help ).

Anyways. After my first phone convo. They agreed to retract and remove anything pertaining to the forbearance ( Friday ) I called the following Monday as I havent seen an update on my request. I was told it is being processed and they see it in the notes. Called again on Monday. Still nothing.

Now my account states past due only one month. It is a lie. No payments have been made on this account. Ever!!!!!!! Beside forbearance I felt forced into. At the time between losing a job due to injury. Everything seems like the only right thing to do. Again Ive contacted navient. They have yet to change anything. Next step is reporting them to the credit bureau for lies of receiving payments. And putting my account in forbearance without my knowledge or consent.

This company is doing whatever they want. Creating false amounts, false payment status, false forbearance not handling their promises. I have made it clear no one on this account can pay or continue to pay the amount they want. I only asked that my a be handled correctly. Reported to credit bureau correctly. In no shape or form do I want my account look as if i paid or agree to a forbearance. As every three months they report to the credit bureau past due on an account that has never been paid on. Its way over 90days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX and is {$1500.00} for a XXXX XXXX XXXX. Service received XX/XX/XXXX I had two forms of insurance at the time of service : XXXX XXXX and XXXX. For the past two years, Id been caught in between both medical providers for the service I received. When the smoke settled and I thought Id received my last bill, I got an alert on my credit report that on XX/XX/XXXX, I had an account go into collections for this same service. After researching it thoroughly with both my insurance providers, I learned that neither one was presented with the opportunity to pay this bill. 

I was pretty shocked that while Im trying very hard to build my credit back, I could be negatively affected by this type of surprise billing practice ; thinking this is a federally regulated practice to protect people. This doesnt seem to be the fault of CACI XXXX from what I can ascertain, but that the medical provider billing department didnt send it to insurance ; just you all. I ask that you all remove this collections from my credit report and allow my insurance companies a chance to pay what they owe first, then come to me with the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: MO
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 have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2018, XX/XX/2018 and XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both XXXX and EXPERIAN to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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 2019-08-28
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:
I need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CITIBANK, N.A.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Citibank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-04-03
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company sent me a letter attached on XX/XX/2019 informing me of this debt. I contacted them immediately to dispute the item letting them know it was not mine. I asked them for verification of the debt and was expecting such. 2 weeks later I noticed that they have put this on my credit reports even after i disputed the validity of the account. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: On-Site Manager, Inc.
State: OR
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 have hard inquires I did not authorize one on XX/XX/XXXX from " on site manager '' & two from " XXXX XXXX '' on XX/XX/XXXX & XX/XX/XXXX, these two from XXXX XXXX  were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CITIBANK, N.A.
State: GA
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:
This is recurring followup complaint of my earlier complaint XXXX. Citi needs to investigate the actual disputed charges and not the legit charges. The response to earlier complaint does n't support investigation of disputed charges that are fraudulent. 

I have been talking the customer service giving them all the detail though there is no proper action to resolve this issue. This is the worst customer service support that I have ever experienced by any bank. Without looking at this issue Citi is sending me communication that does n't help. I am have been struggling on this issue for last 3 months with no proper resolution. 

Citi has not read my issue shared in my earlier compliant and responded appropriately.

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 2019-04-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Monday, XX/XX/2019 at about XXXX, I tried to repay a loan at ACE Cash Express on XXXX XXXX in XXXX, OR. It smelled like cigarette smoke inside and I complained about it. XXXX told me to leave and refused to accept my repayment. 

I do not think I should have to repay the loan at all. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: WI
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 submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they would remove these accounts from my credit report which are listed in the attached files below.

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 2020-09-11
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Shortly after purchasing the vehicle I canceled all extended warranty products the funds were sent immediately to Ally financial then I made a few payments after that was done. then to check every month my account the next payment due date was XX/XX/2021 every time I logged on to the website to make a payment it was {$0.00} payment due XX/XX/2021 however they tacked on finance charges for every day and month after month when there is no payment due each month till 2021 how can you charge finance charges when theres no payment due. Then the coronavirus pandemic hit with quarantine for five months..now no job no income still had no payment due but theyre still charging me finance charges theres no help for that either. I just recently spoke to three representatives they could not help me was transferred to a supervisor she stated also theres no help with the finance charges I totally disagree with this if theres no payment due how can you charge me finance charges Im hoping that you can help me with this. If any further information is needed I will gladly send you anything and everything. Thank you sincerely, XXXX XXXX XXXX im also going to add a reference number the representative gave me from Ally Financial to dispute this problem reference number 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 2019-10-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car was repossessed by Nissan Motor Acceptance Corporation on XX/XX/2019 at XXXX XXXX, I called the NMAC right away and the clerk read all the process need to be done and stated If I was able to pay the full amount with a " small fee '' I could be reinstated. I paid for the whole amount on XX/XX/2019 at XXXX XXXX and notified them. Before notifiying them to get their phone number I went to my account and I saw a XXXX Dollars late fee and XXXX Dollars Miscellenous fee. I immediately called them and dispute that muc of towing fee and also indicated to them I was told there will be a small fee. The clerk today said he read the notes and I disputed that yesterday. I told him I dont know what the notes say please listen to the voice recording becuase I was never given a break down of the charges. I also read my contract and there is no amount indictaion of recovery fee. 

I was supposed to pay 3 months of lease payment XXXX $ late fees and 1 month of lease payment which is due on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Repetitive Incorrect information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone used our login information to gain access to Wells Fargo online portal and initiate 2 wire transfers and 4 XXXX transfers within a 3-day period XXXX XX/XX/20 to XX/XX/20 XXXX, before we were able to " catch '' it. The 6 transactions in question were for a total combined amount of {$7000.00}. My wife and I opened a case with Wells Fargo Fraud department, who performed an initial analysis, and denied the case, because our credentials were used.

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 2023-03-09
Company: Experian Information Solutions Inc.
State: GA
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:
Incorrect personal information on my credit report. ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX I XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX XXXX GA, XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX PL XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, 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 2018-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan servicing was transferred from XXXX to Select Portfolio servicing XX/XX/XXXX I had a loan modification with XXXX  due to being late in XXXX on mortgage during a change in job. My original loan was {$51000.00} in XXXX with XXXX, I owed approximately {$43000.00} during the time I became late and signed modification. SPS is now saying I owe {$51000.00} to them for mortgage. Terms of the mortgage should not have changed during transferring. The property is XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX. SPS does not have the complete address. They dropped the apartment number. I informed them of this and by phone and in writing and they claimed on the phone, it was 'in process of being transferred ''. I have not received a response to my written complaint. I checked XXXX  which has property records, the deed is listed correctly since XX/XX/XXXXwhen I purchased, with the full address. Please assist me with not allowing these two companies to somehow take my property due to their error. I can't even be sure they are crediting payments correctly. I am working to refinance with my credit union, but my credit score isn't there yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX Credit Bureau is reporting inaccurate information on BARCLAYSBK with Account XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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