BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I completed 3 online credit card applications the weekend of XX/XX/XXXX/XX/XX/2018 w/ XXXX XXXX, XXXX and XXXX XXXX XXXX The XXXX XXXX application resulted in an immediate rejection alleged on the basis of my Experian Credit Report not containing enough account data to render a decision. 

Since I had yet ordered them, I visited Annual XXXX XXXX to order this year 's free credit reports w/ particular interest in my Experian credit report. While no problems were experienced in ordering reports for XXXX and XXXX, my Experian requests all ended in rejections alleged on the basis of the criteria entered on the ID Request Form not matching the information in their records. Although the data required by the ID Request Form is relatively basic, I continued to receive rejections similar to the above each time I attempted to request my credit report. 

In revisiting XXXX XXXX XXXX this afternoon in an attempt to order my Experian credit report again, I received the following error message upon being transferred to the Experian website : " We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. '' In short, requesting my Experian credit report has resulted in one of the above errors since my initial request over the last weekend in XX/XX/2018.

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 2018-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 been going back and forth with the original creditors, collection companies and credit bureaus ( XXXX, transunion, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got an online loan when i was desperate. No one goes over the actually cost and fees, i have paid almost the full amount of the loan and yet the loan has only gone down luke XXXX. I got the loan XX/XX/2016 for XXXX. I have paid about XXXX. On it and yet I still owe XXXX. There is no way i can get out of this loan ever. I feel it is unethical law of business. I feel this should be illegal and the loan washed. I would have no proble paying the remaining balance of What I owed but I can't live or survived paying this. Loan sharks should be illegal. I didnt even physically sign and I swear it did not say i would be paying twice the loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: BANKUNITED, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
I informed bankunited years ago, and they posted it on my account that I could not make my {$23.00} per month in late fees which has now reached {$830.00} I am XXXX years of ageand have never been late, when social security deposits my check into my checking account on the XXXX wednesday of each month, the first thing i allways do is pay my mortgage.the late fees are adding up and there is no way to reason with bankunited as they are for the bank.please, please see if you can help me because with bankunited taking advantage of me, I can never get ahead.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-12
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2018 I filed a disputed with TD Bank regarding 5 unauthorized ATM transaction from my Checking accounts I have reported the incident to the local police department and filed a police report. TD bank refused to honor my claim stating that the card that was used to conduct the transaction had a chip on it. I had my ATM card on my possession at the time of the incident. TD bank wants me to pay back the money that was taken out of my bank account without my authorization. can you please help me with the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-12
Company: American Financial Credit Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/2018 from American Financial Credit Services , Inc. that was addressed to a " XXXXXXXX XXXX XXXX '' but was mailed to my home address. I have no connection whatsoever to XXXX XXXX XXXX. I have no idea who is linked to this XXXX or what the debt is. Clearly, they have confused me with someone else. 

This company threatened tax liens with the SC Dept. of Revenue against me in the amount of {$10000.00} But this debt isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: Experian Information Solutions Inc.
State: MA
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 been going back and forth with the original creditors, collection companies and credit bureaus ( experian, XXXX, and XXXX  ) to resolve these items that's reporting with multiple inaccuracies but unfortunately i'm yet to get amicable responses from the credit bureaus. These items are reporting with multiple errors and I would like the entire investigation done and detail process of the investigation that took place.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX {$180.00} - XXXX XXXX Open Date XXXX XX/XX/2015 XXXX improperly listed the XXXX account on my credit report. XXXX XXXX bought a disputed debt ( between myself to XXXX and their agents in the past ) they never sent me notification of the purchase nor their intentions to place the debt on my credit bureau. They listed the debt as open XXXX XXXX 2015 which is incorrect - as the re-aged the debt through fraud. I never admitted any obligation on the bill, and consistently disputed it through every collection agency that attempted to contact me. I am part of a class action lawsuit against XXXX for illegal collection practices : ( XXXX v. XXXX XXXX ( XXXX ) XXXX, Case No. XXXX U.S. District Court for the XXXX District of XXXX ) Again, XXXX never contacted me on my disputed debt. XXXX illegally re-aged the debt on my credit report with a XXXX XXXX 2015 open date. And they purchased a debt I disputed several times ( both via phone and in writing ).

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 2021-06-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Well Fargo - XXXX XXXX XXXXXXXX XXXX XXXX in the mail yesterday. I never applied for this card and when i try to call the company and report this i get the XXXX XXXX store CC dept. I can't call the XXXXXXXX XXXX  dept until Monday morning. If i am trying to report a fraudulent card, i should have access to someone 24 hours a day

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 2020-08-27
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Emailed the company on XXXX XXXX a Debt Validation letter and they have not responded and has updated my credit report without following the FTC guidelines.they continue to add interest to a closed charged off account. 

Here is the update status on my credit report from XXXX XXXX XXXX. 

XXXX XXXX XXXX Original creditor : XXXX XXXX {$880.00} Balance updated XX/XX/2020 Contact XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: Innovis
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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: HANCOCK WHITNEY BANK
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Midsouth bank closed my account and only said I wasnt the kind of person they do business with and even though I offered to prove the legitimacy of any funds they didnt care. They gave me a cashiers check that they put a hold on later and have me with no money to my name. When I first went to the bank to ask why it was being closed I tried to record a conversation only to be threatened by the teller that they would call the police. I told them it wasnt right to treat customers that way and that I would let ppl know how wrong Ive been done and not to do business with them. In response they have now said I have threatened the teller and are using their power against me based on complete falsehoods. It is wrong to treat ppl like that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/22 at XXXX, I sent an email to Great Lakes loan servicer stating I want to request a $ XXXX refund on my student loans that I finished paying off last year. How do I get that process started? Thank you. I then called them around noon on XX/XX/22 to talk to a representative about the same thing. The representative told me that she had submitted my request for the ~ $ XXXX refund and said I would hear back in 30-45 days. On XX/XX/22, I received an email back from Great Lakes stating XXXX XXXX, Thank you for your email. 

Our records indicate that your concerns may have already been addressed after speaking with a representative. 

If you have additional questions or concerns, please do not hesitate to contact us. 

Sincerely, XXXX XXXX XXXX Department Great Lakes Educational Services , Inc.

So I assumed that they saw that I had already called about the same issue by the time they were able to respond to my email. It has been over 40 days since my original call on XX/XX/22, so I decided to call again to check on it. I called Great Lakes loan servicer around XXXX today and the representative said that she saw where my request was submitted over the phone but then they received my email and they interpreted my email as I want to cancel my refund. As you can clearly see, it does not say cancel anywhere, only that I want to get the refund process started. I then asked if they could resubmit my request and put me on a high priority list. They said they do not have a high priority list but they did resubmit my request and it will be another 30-60 days before I hear back. I should not be punished for their mistake of misinterpreting my email. They did not do anything extra to make things right with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: GA
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 disputed inquiries as fraud with XXXX  and called on multiple occasions. Nothing resolved, I've also reached out to the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX Property address XXXX XXXX XXXX XXXX XXXX ca XXXX phone number XXXX ssi XXXX I owe XXXX Im paying XXXX each month need some more time. 
Freedom Mortgage Account 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 2018-05-12
Company: JPMORGAN CHASE & CO.
State: KS
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:
My credit report has six inquiries from same company over last two years they just did inquiries again XX/XX/2018 I do not use this company and have no association with them or affiliation s of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, INC.
State: AL
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 disputed this account with Equifax and the only response I get is verified. I ask XXXX XXXX/XXXX XXXX for VALIDATION since I live in XXXX  & this company seems to be in XXXX. 

My FCRA rights are being ignored and this is my next plan of action to get the XXXX & FTC involved until this is removed from my credit under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 

The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. I am being harassed at lease twice a week. I am seeking damages. I asked for the company to validate this debt on XX/XX/2017 according to FCRA 611 ( 15 U.S.C. 1681I ) but they just ignored the request and kept on emailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Rate Rabbit, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initiated a mortgage refinance application with Rate Rabbit but was unable to proceed due to personal reason. The Rate Rabbit charged me with a {$180.00} appraisal cancellation fee ; however, this charge was never disclosed to me during the entire process, and was not something disclosed or agreed upon.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Conduent Incorporated
State: NM
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hello, When I created my account to apply for unemployment, I was automatically given a XXXX XXXX account and issued a card. I switched it immediately to the bank account I currently have. 

When I called the unemployment line, it asked for my social security number, I entered it, and was immediately routed to my account balance. 

I have been denied unemployment, so I do not have an account balance, and I was not told I would be given the account balance, or charged a fee for being given the account balance information. I received a bill in the mail, for inquiring about my account fee, for the XXXX XXXX card, even even though I was denied unemployment, and have never activated the card or account. My unemployment was set up for my current checking account. 

The company that issued the card has an automated phone line, and I am unable to get through to anyone. I do not know what to do or who to contact, but this seems very illegal. 
I also do not want to be delinquent on a bill for an account that I don't have, and XXXX XXXX can't find any information on the account, when I call them. 

I would like to report this as a fraudulent activity, and I would also like to know who to contact to get the fee waived. It is small, but as I don't have any unemployment, I can't really spare {$0.00} I also don't even know how I would pay the fee, since I am unable to get a hold of anyone. I also don't want to be charged late fees, for an account I don't even have. 


The company is EPPICard, their phone number is XXXX Their Address is XXXX XXXX XXXX XXXX, TX XXXX The bill states that the fee was incurred during XXXX, and posted on XX/XX/2020. 

Again, I never inquired about a balance, and should not have had a card. I called the New Mexico unemployment line, which immediately asks for your social security number, after confirming the call is in reference to unemployment. 

The phone number for New Mexico unemployment is XXXX have not been able to contact unemployment to discuss this, and I am afraid to call their number, because I do not want to be billed for calling again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-13
Company: Experian Information Solutions Inc.
State: MA
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:
During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX. I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with XXXX 14 times. Each time they promised that someone would help or call me back. Please help. 

XXXX  XXXX Experian XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX   XXXX XXXX  XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX  XX/XX/2018 XXXX   XXXX XX/XX/2018 XXXX XXXX XX/XX/2018

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 2021-06-05
Company: EQUIFAX, INC.
State: MI
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 demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020. 
XXXX. XXXX & XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2020.

Company response to consumer: Closed with explanation