BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
This Complaint is lodged against Experian. The only thing that I can even remotely call this violation is " IDENTITY THEFT '' by Experian itself. After I opted out of their Marketing a very long time ago, I received no more junk mail, but today, I received a preapproved credit card and when I spoke to the corporate office of that card company, they provided me with enough information to determine, Experian is distributing my information under the many variations of my name ; even though they have been told those names are not mine and that they refuse to remove from my credit report. The Credit Card displayed XXXX XXXX XXXX which is not my name and neither is any other of the dozen names they display on my credit report. My name is XXXX XXXX XXXX. 

I did not authorize the release of my information and I certainly did not consent to Experian Changing or Altering My name for their marketing purposes, but now I have both physical proof and verification of who gave such information about me to the credit card company within the past three weeks.

I tried one last time to call and speak to a manager or the corporate office but I was given a huge run around once again. 

Experian asked for 60 days to fix their last blunder which is still pending - but this is now related to stealing and altering my Identity for the purpose of unauthorized financial marketing.

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 2021-07-13
Company: EQUIFAX, INC.
State: MD
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:
Account Paid In Full to utility company XXXX XXXX before being submitted to collection. XXXX XXXX and XXXX  have both deleted this inaccuracy from my report but Equifax  has failed to remove after 3 disputes. Account is clearly listed as PAID and they are still reporting it as a COLLECTION ACCOUNT when this information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim. Please take immediate action to rectify this situation and ensure that the account is promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my Equifax and XXXX credit report and to show as paid and closed because they where paid and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loan servicer, AES, failed to notify me that I could consolidate my FFEL loans and be eligible for the CARES ACT interest and payment pause. In 2020, when I asked them if I could be eligible for CARES ACT pause, I was told no. I was not given any information on the potential benefits of consolidation or even informed that was an option. It was not until recently, towards the end of the pause period that I learned, through my own research, that I could benefit from this. I feel like AES had a duty to make a glaringly obvious notification to inform their clients about possible benefits of Direct consolidation during the pandemic. Instead, they were shady and withheld this information for their own gain. I continued making my full monthly payments, throughout the pandemic, while a struggling new mom working as an XXXX XXXX with a reduced paycheck. Had I been properly informed of my ability to consolidate and pause my payments and pause my interest, I would be in a much better situation financially. My student loan obligation during the pandemic caused undue financial burden for my family and contributed to severe stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
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:
As a citizen of this country, it is unfair and predatory to be held XXXX by this reporting system. Throughout this time, laws continue to break due to malpractice and the severity of not taking my situation seriously. This issue has caused Financial injury and defamation of character along with 60 plus days of no response.

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 2018-02-04
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My complaint is against American Express with my XXXX rewards credit card. I verified with an agent that I had made enough purchases to qualify for an additional XXXX points and an elite status. When I did not receive the points I called on XX/XX/XXXX and was promised by the supervisor XXXX from XXXX for this to be updated and my points and status to be changed due to inaccurate information given to me by the agent. I made {$50000.00} in purchases but the agent failed to tell me that I needed to make an additional {$23.00} dollars in purchases as they deduct the credit card fee. I spoke to XXXX in Florida and he promised to adjust this. Nothing has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chase detected fraud actions in my checking account via my debit card. 

Over {$1000.00} has been stolen from my account via fraudulent action. I contacted Chase and opened many claims regarding all the unauthorized charges. Chase told me is going to take over 10 business days for me to get a refund. In the meantime, I have bills to pay. 

As a consumer, I feel violated, because Chase should have protected my account- it is not my fault that someone was able to clone my card and fraudulently use it. 

The fact that I need to wait 10 BUSINESS days to get my cash back is absurd. It's like rewarding the culprit and punishing the client. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Meyer & Njus, P.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XX/XX/XXXX, I was contacted by a Law Firm Collection Agency ( XXXX XXXX XXXX ) regarding a XXXX Account, with an assumed balance of {$1200.00} (??? ) and I stated to the Agency above, that " I do not owe, this amount of money to XXXX and willing to settle the debt for 70 % of the original amount owed.I know the original amount because I was trying to file Bankruptcy in XX/XX/XXXX, so I had the original balance in the paperwork and I explained this to the Representative.

On XX/XX/XXXX, I received the attached letter for XXXX XXXX XXXX ( Attorney at Law ), with the attached credit application, just stating " this is an attempt to collect ''. I have been trying to work with this credit for a settlement of the original debt, but was told I need to agree to the {$1200.00} before they can agree to an settlement. I stated that this doesn't sound legal and asked that they return the debt to XXXX and was told they can not do this. The attached letter is what I received and that is all, no other communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, 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:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
Somebody put a kohls card in my name that wasnt me and had my information at the time and I am just now learning about this credit card fee

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXX for {$5400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: IA
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:
I have paid my mortgage to Lakeview since XXXX of XXXX yet the have failed to report my loan to the credit bureau. I have a XXXX of all my payments ( none late ) yet I can not get them to report to any of the 3 bureaus. This means I can not refinance because other lenders can not see my loan. They basically have me 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 2019-03-13
Company: American Student Loan Advocates
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
SCAMMED by Student Loan COMPANY. American Student Loan Company reached out to me several times via phone in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX, The phone calls from XXXX were pretty convincing. 

She also spent the next 4 months convincing both my husband and I that ALL of my loans would be forgiven, but I had to ACT NOW. Every time we called or she called she said she had my case right there and could see my information. They ALL will be forgiven ( her words not mine ). She said we must act now before the Obama Administration ended for our case to be heard. When the new administration would end, I would be grandfathered in. She said you worked with a team of lawyers that would fight for my case. She convinced us not to pay on my current loans but to make monthly payments to their company to take on my case. Due to the fact she said she had my information in front of her, I assumed she was a legal assistant or aid. She made me feel like they were adamant about fighting my case. 

A year went by and still no contact. Not from American Student Loan Advocated or a lawyer. No conformation anything was done, accomplished, sent, more information needed, nothing. When I contacted the company a year later to see what was going on, they said my case was closed 2 years ago, which means my money was just taken., I was flat out lied to from someone who I believed had a legal background who was giving financial and legal advice. No lawyers were ever represented. The company took my money and submitted an email on my behalf, all which I could of done for free.

Dates : XXXX XXXX-XXXX XXXX : American Student Loan Company contacted me via phone. XXXX spoke to me over a 3 month period. 
XX/XX/XXXX : First payment was given to the company in exchange that I stop making payments on y current student loans. 
XX/XX/XXXX XX/XX/XXXX : 7 payments of {$100.00} were taken XX/XX/XXXX to XX/XX/XXXX : No contact from the company or lawyers like expected XX/XX/XXXX XX/XX/XXXX : Emails between XXXX XXXX XXXX. Offered a partial refund and to re-consolidate my loans XXXX XXXX XX/XX/XXXX : Nothing has been done or settled

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There's a XXXX 's credit card on my account that was paid and closed on XXXX. However XXXX 's kept it open until XX/XX/XXXX to accumulate more fees despite the card to my knowledge been closed on XXXX. Now the card is showing on my credit report as a charge off on XX/XX/XXXX when this information is not accurate because the account was paid and closed on XX/XX/XXXX. I need the XXXX 's account to report the accurate closed date on my XXXX and Transunion credit report and to show as paid and closed because they where paid and closed on 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: TMX Finance LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
So I took out a loan with Title Max. The payment was actually higher than I wanted so I then went to another loan company and this loan company sent a certified check to title max to pay my loan off and the post office attempted to deliver the certified mail where someone had to sign to get it and noone was at office so they left a note saying they attempted to deliver mail. This check sat at the post office from the XXXX through the XXXX with noone trying to go get the mail with the check included. So on the XXXX XXXX from title max called to tell me they still had not received the check from the other finance company to pay off my loan. So I contacted the other loan company and they gave me all documentation that I needed to take to title max to prove from post office they attempted to deliver it on the XXXX of XXXX with no luck. So I took everything to title max proving that and then they went to get check and got it but then proceeded to tell me I needed to pay another XXXX dollars to finish paying it off. The check was wrote for the ten day payoff that was given by store manger XXXX and just because it sat at post office waiting for them to pick it up and didn't they wanted me to pay extra money. So I ask for her boss to call me and XXXX called me back saying he wouldn't call me back cause he had no need to. And I told her I would contact a lawyer and then she proceeded to tell me that her boss said since I wanted to contact the lawyer he wouldn't going to accept the check from the other company to pay off my loan. This is disgusting how this place of business is doing people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: PA
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 XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : DEPT OF ED Date of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: TX
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:
Experian is a total fraudster. Ive got 42 hard inquiries of which 41 are ludicrous companies ive never done business with. If you take a look at my XXXX  or XXXX you'll see none of those inquiries...

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 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$280.00} XXXX XXXX XXXX Balance : {$3200.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$75.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX, MO 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 2022-08-26
Company: Westlake Services, LLC
State: FL
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 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a loan account under an open end consumer credit plan as late for any reason

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 2021-07-12
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I HAVE CONTINUIOULY BEEN PURSUING THE 2 TRANSACTIONS SINCE XX/XX/2020. I KEEP GETTING TRANSFERRED, HUNG UP ON, OR THE REPRESENITIVES REFUSES TO GIVE ME THE PHONE NUMBER FOR CARDHOLDER SERVICES " BANK & RISK OPERATIONS ''. 

I FILED A DISPUTE AND THEY SUBPOSEDLY DID AN INVESTIGATION THEY SENT ME THE RESULTS OF THEIR INVESTIGATION AND STATED '' NO FRAUD ''. 

THIS IS COMPLETELY IMPOSSIBLE I DID NOT MAKE THESE CHARGES AND THE PLACE WHERE THE CHARGES ARE FROM 1/ FL XXXX XXXX XXXX RENTER/CONDO XXXX RENTERS/CONDO AMOUNT $ {$130.00} 2. PA XXXX VIA XXXX XXXX XXXX XXXX XXXX AMOUNT {$94.00} i CONTACTED BOTH BUSINESSES AND THEY CAN NOT FIND ANY TRANSACTION WITH MY RELIA CARD # THESE ARE UNAUTHORIZED ACH DEBIT BOTH TYRANSACTIONS DONE XX/XX/2020 THIS COMPANY DOSE NOT HELP ANYONE ESPECIALLY LIKE MYSELF WHO IS A VICTIM OF IDENTITY THEFT. 
THE ONLY NUMBER IS A FAX # XXXX XXXX cARDHOLDER SERVICES RELIACARD

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