BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a Fraudulent Account on my credit reports for Experian, XXXX, & XXXX I have disputed this account multiple times. 

Fraudulent Account : XXXX  XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Past due amount {$400.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 60 days Late Past due amount {$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 non-monetary relief
Consumer complaint received 2020-11-25
Company: EQUIFAX, 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:
INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with XXXX XXXX that is being reported on my credit report with incorrect/missing info. 
More specifically, I am referencing the fact that you are reporting an incorrect account number, missing field of usage, monthly payment and past due amount. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

CC : Consumer Financial Protection

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Harley Davidson Financial Services Inc
State: MA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Here is the complaint : Harley Davidson Financial just called me during a pandemic to collect {$2.00} cents on a loan that has been paid off for months She said my past due amount was XXXX dollars and XXXX XXXX cents ... .. and would I like to take care of that today? Can you believe a finance company would do this? If you use this lender you will not get your title unless you hire a lawyer and drag them into court. It's about time that the Predatory Lender, Harley Davidson Financial used by XXXX XXXX XXXX are exposed for what they really are ... Can you imagine denying someone a title after 84 months of XXXX, because of {$3.00}. on an 84 month loan at 25 % that was paid in full! 

Then calling during a pandemic to torture the customer even more using harsh collection tactics with not an ounce of compromise. Could not reach anyone at customer support since XX/XX/XXXX. They charged me 11 late fees of {$35.00} on an outstanding balance of $ XXXX dollars and XXXX XXXX cents. The representative told be they deliberately give no power to the CSR 's that call to collect the trumped up charges. These people are bad people that hire unsuspecting workers to carry out their sadistic torture. My original review was written over a year ago ( XXXX ) on XXXX and this is the update of the torturous last year XXXX I have had with them. Nothing has been resolved, they just keep adding money because they know no matter what people say, you're going to use them, " because you just have to have that motorcycle '', they know this ... It's going to cost me {$1800.00} to hire a lawyer and have a judge rule in my favor. What a bad look for a company, during a pandemic, XXXX, when people are dying. Why don't I pay the shake down money? Why wouldn't a company agree with a customer after 84 months and paying off the loan? Instead they're sticking to the plan to criminally extort monies from borrowers that are not owed, with no ability to challenge the three dollars owed. They're untouchable. The most unfriendly, torturous people in business. Thank god they were stupid enough to send me a bank statement saying I owed three dollars and are going to charge it off, show more late 's on my credit? Threats, that is all I get from Harley Davidson Financial I'm  going to the Massachusetts Banking Commission and filing a complaint against these bad people 'Harley Davidson Financial '' ... ... During a pandemic? Really? implementing the three dollar shake down?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am trying to get a complete payment history, which the lender promised orally and in writing. I made payments in XXXX XXXX XXXX  and XXXX XXXX  and I need proof of payment for the XXXX XXXXXXXX XXXX XXXX XXXX. Myfedloan promised a complete payment history in XX/XX/XXXX orally and in writing. They have since refused to comply. They only provided XXXX. At the bottom of the letter ( highlighted in the attached XXXX  ) Myfedloan stated : " You still have details to review! We weren't able to fit the financial activity for all of your loans on one letter. Don't worry! You should see another letter from us that includes the remaining financial activity history. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: FL
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:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries 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 2020-11-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scam by a company saying is was another company and was charge in 6 cards. and received Drugs and fake goods. Police was involved and chase is still charging me for the transaction XXXX, XXXX XXXX and XXXX XXXX no issues but chase is supporting the fraud company claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : UNKNOWN # XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, Company Inquiries 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 2017-08-09
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My payment history is being reported to other banks incorrectly. We are attempting to refinance our XXXX XXXX mortgage. Seterus is stating that we have been past due. we modified our mortgage after our bankruptcy and now our mortgage is current. We have made our payments on time since XX/XX/XXXX-XX/XX/XXXX. I would like a letter stating that payments were made on the XXXX of each month. Thank you XXXX XXXX XXXX Loan # 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 2017-08-09
Company: Experian Information Solutions Inc.
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:
XXXX XXXX is report erroneous things on my credit report. They have harassed, threatened me, called my work place and relatives on a debt I do not owe! I have written them 3 times asking for proof of debt and they have yet to provide me with ANYTHING. After calling XXXX and Experian the representatives told me the way they verified this account was by asking XXXX XXXX if the info is indeed true. All they did was ask and took their word for it! And they have yet to show me how I owe this debt! No PROOF at all! What a disservice they are doing to the public by blatantly admitting that they " take their word of the reporter ''. How are things ever going to get fixed if the person paying you is supplying incorrect info to my file and you just take their word for 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 2017-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX is report erroneous things on my credit report. They have harassed, threatened me, called my work place and relatives on a debt I do not owe! I have written them 3 times asking for proof of debt and they have yet to provide me with ANYTHING. After calling Transunion and XXXX the representatives told me the way they verified this account was by asking XXXX XXXX if the info is indeed true. All they did was ask and took their word for it! And they have yet to show me how I owe this debt! No PROOF at all! What a disservice they are doing to the public by blatantly admitting that they " take their word of the reporter ''. How are things ever going to get fixed if the person paying you is supplying incorrect info to my file and you just take their word for 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 2021-11-02
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XXXX/XXXX/XXXX I received a prescreened offer from XXXX XXXX. I called XXXX to opt-out just as it indicated at the bottom of the page. I also went to XXXX on XXXX/XXXX/XXXX and filled out the form for the 5 Year Opt-Out. I received another XXXX XXXX mailing on XXXX/XXXX/XXXX to which I immediately called XXXX for an opt-out again. Today, XXXX/XXXX/XXXX, I received another XXXX XXXX mailing. I thought something was not right so I pulled my XXXX credit report to find that there is no mention of an opt-out. I used to see that I had an opt-out on the file. After three motions for an opt-out it should be reflected somewhere. Today I mailed the opt-out form to make it permanent, not just for five years. There should be some way to check and see if that is on the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I notified Capital One on XX/XX/XXXX to notify of an issue I was having with a company, XXXX XXXX that I had paid to build a mobile application. I informed them of the concerns I had with way in which this company did business, charging me for months for an app that I was promised to have ready in 6 weeks that instead took six months. I advised the representative that the first charge occurred on XX/XX/2019 when I required to pay for the first and last month of the application being active on their platform, which was a fee of {$310.00}. I also informed CO that when I looked at the contract, the wording said that charge was for a " business marketing application, when I was told something completely different. I expressed to them how the employees of the business used aliases that were not their real names. I explained that the recurring, subscription charges began on XX/XX/2019 and continued until XX/XX/2019. I informed them that I wanted to dispute all charges in questions and requested a a form of contact to send supportive documentation. I had not heard anything, so I called back on XX/XX/XXXX, only to find out that the case was not file. Again, I gave all this information for the case to be filed against and ti request an investigation and request a chargeback on these charges. I called in on the XXXX and found out that again, this has not been done. No investigation that has been requested 2 times prior had not been performed. At this time, I demanded to be transferred to a supervisor in an American-based call center. XXXX advised she would be sending the entire complaint to the investigation office.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: ALLY FINANCIAL INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Ally Financial on XXXX/XXXX/XXXX and asked them why they accessed by credit file on XXXX/XXXX/XXXX and why they have put a hard Inquiry on my XXXX credit file with out my authorization, I did not get any help from them.

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 2019-02-23
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Have not received bill in years from them at all

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 2020-05-20
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi, I sent letter requesting the original instrument of indebtedness for this account as it does not belong to me. Please provide Method of Verification and Validation of Debt for this account. In addition, the balance would be XXXX if the account was valet so there would be an error and not accurate. 

XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$3000.00}, {$920.00}, {$3400.00}, {$5700.00}, {$120.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 


-- CLOSED ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had an account with Navy Federal Credit Union, account ending in # XXXX. 
I used the card as credit option, therefore I should've had the protection as if visa/Mastercard promises coverage. On XX/XX/XXXX, I made a very large purchase for over {$4000.00}. I never received delivery. I contacted & filed paperwork with your union numerous times to no avail. This is also after I tried to reach resolution with the company directly. I have NEVER received any communication or follow up from Navy Federal. Ridiculous! This is why I no longer actively use this union. Follow through & return my money! It is XXXX XXXX  for the exact amount of {$4400.00}. I have tried to be patient due to distance, COVID-19, etc ... but enough is enough. My next step is to also file a complaint against the union. See attachment of receipt showing payment in full. Invoice # XXXX, order # XXXX. The actual purchase was made on XX/XX/XXXX & delivery scheduled for XX/XX/XXXX. Delivery never happened. I contacted the company, the warranty company which charged {$190.00} for coverage, the XXXX XXXX XXXX & filed claims on multiple occasions totaling 23 times beginning the first week of XXXX. I have not received any resolve from anyone & only received " there is nothing I can do '' on all fronts. I want my money back since it is fraud to charge for what is never received in good faith. Horrible way to treat veterans. I still have not received any help or answers from NFCU even after contacting hem yet again yesterday morning. 
Shameful. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions 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:
XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$820.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation