BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: NJ
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:
I sent Experian several letters to dispute my account due to unable to verify or validate accounts. They responded sending me a credit report that belongs to my grandmother. They stated that the error is my fault because I didnt provide my ssn or date of birth. They say because I did not supply the information in my letter they assumed it was my grandmother who has a different address, name, Ssn, dob, etc. They refuse to own their mistake or reinvestivate my dispute which did indeed include all information to verify my identity. This is why the company is in trouble for security breach. They are sending information without authority. My grandmother is very upset and looking into a lawyer.

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 2020-01-25
Company: Nelnet, 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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX  - XX/XX/2019 US DEPT OF ED/XXXX  - ONE REPORTS THE ACCOUNT THAT IT IS LATE FOR 180 DAYS YET THERE IS NO LATE REMARKS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: JPMORGAN CHASE & CO.
State: NJ
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 purchased a trip and paid in full with XXXX  on XX/XX/XXXX for {$5300.00} for a trip to XXXX using my Chase visa card, which I paid in full when I received my statement. I went on the trip without any problems. However, this was also when the entire country went into lockdown due to the pandemic for Covid-19. XXXX unbeknownst to me also closed down. On XX/XX/XXXX, I was charged on another credit card I left for incidentals at the resort for {$3100.00} with no authorization. I tried unsuccessfully to dispute this charge but was told I need to dispute it with my original credit card. The resort also had closed down 3 days after we left due to the pandemic. I tried unsuccessfully to reach them for weeks. Months later I was able to contact someonet through friends my daughter met at the resort who put me in touch with a manager and I was informed that XXXX had closed operations and had not paid the resort for my trip and that is why they had charged my credit card. I have now paid for this trip twice. XXXX has not delivered the services I paid for and Chase has closed my dispute in their favor without providing any proof whatsoever that they have provided proof of services rendered. 

I would like my credit card charges reversed for these charges in dispute. I have provided the emails from the resort, my original payment, payment in full to Chase, and the second charge to my account from the resort because XXXX  to did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: CORELOGIC 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: Investigation took more than 30 days

Complaint:
Who is Credco. Credco has not supplied the permissible permission to access 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 explanation
Consumer complaint received 2020-01-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There is a hard inquiry on my XXXX XXXX that I did not recognize/authorize on XX/XX/2020. 

The company is : Syncb/ XXXX XXXX XXXX FL 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 2020-08-28
Company: Experian Information Solutions 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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND INQUIRIES ON MY FILE. THESE INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE INQUIRIES. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE FOR THESE INQUIRIES TO BE REMOVED OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2018-03-28
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX Equifax letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my XXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my XXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For XXXX, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from XXXX, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my XXXX is still being reported as information to be known that they are on my XXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX #  XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for XXXX  # XXXX. 

XXXX  # XXXX, as of XX/XX/XXXX refuse to update my address  to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my XXXX, although it is acknowledge that the XXXX Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN CONTINUES TO ALLOW XXXX XXXX XXXX XXXX FORMALLY XXXX XXXX TO ILLEGALLY AND INACCURATELY REPORT FALSE INFORMATION THAT IS SEVERELY DAMAGING MY CREDIT AND BUSINESS. XXXX XXXX CONTINUES TO REPORT FALSE OPEN DATES, AND CHARGE OFF DATES IN ORDER TO CIRCUMVENT THE STATUTE OF LIMITATIONS. THEY RECENTLY UPDATED MY CREDIT FILE TO STATE THAT THE ACCOUNT WAS CHARGED OFF ON XXXX XXXX WHICH IS 7 YEARS PAST THE ORIGINAL DATE. EXPERIAN REFUSES TO MAKE THE CORRECTION AND HAVE BEEN XXXX AND CONDESCENDING TOWARDS ME WHEN I ASK FOR EXPLANATION. 



611-609 STATES THE ANY INACCURATELY REPORTING IS GROUNDS FOR IMMEDIATE DELETION. A REPRESENTATIVE OF EXPERIAN WAS ON A CONFERENCE CALL WHEN XXXX XXXX WHO IS THE COLLECTIONS MANAGER AT XXXX  XXXX  ADMITTED TO REPORTING FALSE INFORMATION YET EXPERIAN DID NOTHING ABOUG 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 non-monetary relief
Consumer complaint received 2018-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been constantly trying to get one closed item updated on all 3 credit reports.  Account XXXX XXXX XXXX XXXX shows that my account was Paid as a chargeoff in which account was not a Chargeoff. I even contacted XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX and they also stated that it was not a chargeoff. They stated account was paid in full as of XX/XX/XXXX. On my credit report it shows as chargeoff with balance of {$540.00} being owed and that's not true. My payment history is not even showing on my report making it seem like I've never made any payments within the last 6 months before paying off account. XXXX XXXX XXXX also mailed me a copy of letter stating it was paid off in full. I will attached copy of letter for proof.

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 2020-09-05
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I started an application and was unable to finish it. XXXX pulled my credit based upon an incomplete application that I never submitted.

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 2019-09-28
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
This morning ( XX/XX/2019 ) I went to my Bank here in XXXX XXXX XXXX, Az to deposit a cheque. 
My wife and I are XXXX snowbirds and I am currently down at our home for about four weeks before returning home to XXXX. 
Since purchasing our home here, we have done all our banking with Wells Fargo. 
Before I left for the bank this morning, I typed into XXXX " What will {$1400.00} in XXXX dollars equate to in American dollars at Wells Fargo. I was then sent to a Wells Fargo website with a currency calculator. I entered the amount and it said I would get {$1100.00} in exchange. 
I then drove to my bank and proceeded to make the deposit. 
I asked the teller exactly what amount they were depositing in exchange for my {$1400.00}. XXXX. 
I was told it would be {$1000.00}. 
When I said that did not match the amount I had just been told less than half an hour earlier, the teller said she had no idea why the numbers were different and I would have to talk with one of their service agents. 
I then went to the appropriate area and was soon speaking with a young lady who upon hearing my question, pulled up the same website and got the same figure I had been provided. After checking various screens she said she had no idea why there was a {$91.00} difference in what Wells Fargo gave me for my deposit. She then said she would have to speak with the Branch Manager to try and get an answer. When she returned a couple of minute later, she said the difference was because I had deposited a cheque rather than cash. 
When I pointed out that was approximately a 8 % fee and that a {$91.00} dollar difference seemed to be unusually high, I was told she did not know the exact rates - just that her Manager had said the difference between what their website said and what they actually gave me was due solely because I deposited a cheque and not cash. 
As it was clear nothing further was going to be forthcoming, I thanked for her help and left. 
Could you please confirm for me if such a high fee for depositing a cheque written on one of my XXXX bank accounts is reasonable? 
And if this is so, should their website not distinguish between cash and cheques when providing a rate on their Currency Calculator, so a user is not left with the shock of losing an additional {$91.00} ( due to some fee even the banks own staff are not aware of ). 
Thank you for your help in clarifying this matter for me. 

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 2019-09-28
Company: Experian Information Solutions 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:
DISPUTE REASON : EACH CREDIT BUREAU XXXX, XXXX, EXPERIAN ARE REPORTING DIFFERENT DATES FOR THE LAST PAYMENT ACTIVITY ON THIS XXXX CHARGE OFF ACCOUNT ON MY CREDIT REPORT. 

REMOVE THIS ACCOUNT DUE TO THE FACT THAT THERE ARE DIFFERENT DATES LAST ACTIVE REPORTED. HOW CAN THERE BE DIFFERENT DATES WHEN THIS IS WHAT STIPULATES WHEN THE ACCOUNT NATURALLY FALLS OFF? ACCORDING TO THE FCRA YOU CAN NOT REPORT INCORRECT DATES AND IS IN DIRECT VIOLATION OF MY CIVIL RIGHT AND THE NEGATIVE ACCOUNT MUST BE REMOVED DUE TO INACCURACY. I ALSO DO NOT BELIEVE THAT YOU DID AN INVESTIGATION. THAT MEANS THAT YOU MUST PROVE TO ME THAT YOU DID AN INDEPENDENT INVESTIGATION AND DID NOT JUST REPEATED THE SAME UNVERIFIED INFORMATION. IF YOU CAN NOT PROVE TO ME THAT YOU DID A PROPER INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY AND PERMANENTLY. PLEASE REMOVE THIS UNVERIFIED ACCOUNT UNLESS YOU CAN FURNISH A SIGNED CONTRACT.XXXX  reports XX/XX/2014XXXX XX/XX/2014

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 2021-01-31
Company: Skrill USA, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
withholding my available balance from me stating, I need to get verified even though my account had already been fully verified and i could not verify any further, I tried but was prompted that I was already fully verified and that no further action could be taken. Skrill continued to ignore my request to release my current funds in the account and was told that if I close my account my funds would be released to a account of my choice. upon closing my account nothing took place other than Skrill taking my money and ignoring my emails or placing me on hold for hours at a time before hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. DISCOVER BANK Opened XXXX. XXXX, 2016. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA DISCOVER BANK has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
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: Investigation took more than 30 days

Complaint:
Who is XXXX. XXXX has not supplied the permissible permission to access 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 explanation
Consumer complaint received 2021-01-31
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I mailed in a letter to all three Credit Bureaus to dispute inaccurate and fraudulent information that was being reported on my credit reports. I have not gotten a response back nor have they resolved the the problem. I followed up with a 30 day failure to comply letter on XX/XX/XXXX. All three Credit Bureaus still have not responded nor deleted the inaccurate information. I have also disputed wrong addresses that are on my Credit Files which do not belong to me. XXXX, TransUnion and XXXX  are all violating my rights of responding to my letters in 30 days. I am suffering a lot due to these inaccurate and fraudulent accounts. Please delete these negative and inaccurate accounts and wrong addresses.

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 2021-01-31
Company: CREDIT ACCEPTANCE CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/XXXX I went to XXXX XXXX in XXXX, CO. It was a XXXX XXXXXXXX XXXX. I was working with XXXX XXXX and felt pressured into buying this vehicle. The vehicle is only worth {$2000.00} but they put me in a loan that when everything was said and done the interests of the vehicle was well over the value of the car. I ended up signing the finance loan and felt a little off. I called my Dad and husband and both told me to tell them I do not want the vehicle and to not take possession. I never took possession of the vehicle and told them in a text and showed up to the dealership later in the day telling them I no longer want the vehicle. I went with a different company and the finance manager, I believe his name is XXXX, told me I had no choice but to take possession of the vehicle. I then called Credit Acceptance, as they are the ones who my loan is through anf told them the situation anf they also told me there was nothing I could do. After doing more research I have a right to say no to buying a vehicle but I would take a penalty I was never offered this. I never left the lot with the car in my possession. They told me it was not ready to leave the lot as they needed to complete some work in the vehicle. XXXX ( again I could be using the wrong name ) was very hostile and told me if I do not take possession of the vehicle he will have it towed to my house and dropped off. I told him again do not do that as I am not taking possession of this vehicle. He then hung up on me and later that day the vehicle wad towed to my house and keys were left on my NEIGHBORS doorstep. No one signed for the vehicle stating it was dropped off with no damages and dropped off at the correct place. I have been told by multiple people to fight this and that the sell was not by the books. I want this vehicle off of my credit. I can not afford two car payments especially on a vehicle I did not want. I have made enough payments that the car itself is paid off. Now all I am paying is interest. Can someone Please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Credit Bureau of Carbon County
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have constantly tell these people to stop contacting, very unprofessional and abusive. I 'm giving them 24 hrs to cease and desist. I do n't want these people to ever contact me again final warning. 

My fee schelude is as fallows XXXX per call XXXX per min must book more than 5 mins. 
Final warning.

Company response to consumer: Closed with explanation