BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-25
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a bill that my mother owed dated XX/XX/XXXX. My mother has XXXX XXXX and I had worked with XXXX XXXX prior to this. Apparently it went to Berlin-Wheeler. I sent them a check in early XX/XX/XXXX for the balance of {$52.00}. On XX/XX/XXXX I received a voicemail from BW and called them right back. The representative I spoke with was short, rude and abusive. She claimed the bill is now for over {$100.00} and would not answer any questions of mine. We both became confrontational and she terminated the call after I asked if we could talk like adults. All she wanted was a payment. 

I would have been happy to explain the circumstances and that I had mailed a check but this person would not have a conversation with me after explaining my mother had XXXX. 

I have worked in this industry for years. This employee needs to find a better role off the phones. 

I request this bill be zero 'd out immediately and the reporting on my credit be removed within 30 days. I will take legal action and continue to have the CFPB and other Federal and State regulators speak on my behalf if not resolved within that time. 

I also request the CFPB to investigate this firm for flagrant violations of FDCPA and other similar regulations that govern third party collection agencies.

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 2017-07-03
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Santander sent me my first bill last week. I have been attempting to pay it ever since. The bill strongly urges you to go online, and set up your account to manage your account and pay your bill. I have tried every day, several times to set up my account. The site keeps saying they can not find my account and to call the company. I have called several times. All I get is a recording stating that I should go online to pay my bill. No one ever answers the phone. I am unable to pay my bill because of the company 's deceptive and unfair collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: CCS Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree to and I never signed anything or even know what the account was for. The 5 step validation procedure wasn't performed and according to the FDCPA I'm entitled to {$1000.00} per violation as my rights were clearly violated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: TD BANK US HOLDING COMPANY
State: NJ
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 alerted TD Bank to two potential fraudulent checks being cashed from my account in XX/XX/XXXXXXXXThey instructed me to come into the branch the branch and close the account and open a new one, which I did. I asked what measures can be taken to prevent this from happening. They stated nothing On XX/XX/2019 two fraudulent checks upwards of {$13000.00} dollars were cashed from my account. The same amount in which the first potential fraudulent activity was reported. The check was fabricated and the signature was electronically manufactured, and did not resemble my signature in any way. I was once again instructed to close the account, which I did. I filled out an affidavit of fraud inside a branch. They instructed me that there was no further action I could take, and that it may take 6 months for the case to reach global security and be assigned an investigator, in which afterward my funds may be returned to me. Two week later and The branch did not send my affidavit of fraud to the the td fraud department, it has not been filed with global security of placed on a list for an investigator to be assigned, After numerous phone calls and branch visits, as well as after filing a police report. 

No one at customer service, fraud or within the branch showed any concern with the matter, and refused to give me a copy of the affidavit or details regarding how and where the checks were cashed. 

They were clearly negligent in allowing blatant fraud and refuse to reimburse or guide me through the fraud process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have not been able to connect with Nelnet who has taken over my federal loans. Ive tried to call 3 times with an over XXXX minute wait time and couldnt get through to anyone during the month of XXXX. Ive filed a complaint and submitted an email in XXXX. Still no response. Nelnet is XXXX of the worst customer service and businesses Ive experienced in a while. They are playing with my excellent credit and payment history by not answering my calls or emails. They have put dues on a loan Ive already paid off and now are trying to tell me XXXX have a late payment for making a payment on the due date. This company should not be approved to handle federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XXXX I paid off my current mortgage with Freedom Mortgage because it was required per my XXXX XXXX. The payoff was almost {$3000.00} too much because I was told they couldn't subtract the Escrow amount and I would get a refund for that. On XXXX I called Freedom because I had not seen that check and I realized that my Ex had put his out of town address on statements that he was getting mailed to him. I told the Freedom rep that if he gets the check he will forge my name and cash it. I was assured that he was not mailed the check and that it went to me at the property address. On XXXX I called again because the check had still not arrived and I was told it was in the mail and the USPS was to blame because they are slow. I again insisted they confirm that the check was in fact mailed to my address, and once again I was assured it was mailed to me at my property address. Wednesday XXXX I was not feeling good about this whole thing, so once again I called Freedom and I was told a totally different story. The check did go to the Ex 's address and I would have to wait 30 days from the date the check was issued ( XXXX ) to stop pay and have another check issued to me. No one can tell me if the check has been cashed, until that 30 days. So my Ex gets my money once again. The lack of customer service, the different story each time I call and the fact that there is no regard to my money getting returned to me in a timely manner is unacceptable. The bank charges me daily interest, where is my daily interest on my refund?

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 2017-10-24
Company: Auto Pro Title Pawn, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I went to A1 Action Cash to get a loan on my car in XXXX XXXX and I paid on time. In XX/XX/XXXX the car stopped running but I continued to make payments on it. In XX/XX/XXXX I took the car to the dealership to attempt to get it fixed. I paid {$500.00} in attempt to fix what the dealership said was wrong with it. I told the office manager that I could no longer pay off the loan because of financial issues but she refused to go get the car because it was inoperable, although I told her where the car was located. She filed criminal charges against me with malicious intent to have me put in jail even though a crime has not been committed. When we showed up in court, she committed acts of perjury stating that she called the dealership and an employee told her that there was a storage fee of {$500.00} which was not true because I paid my service repair fee in full on XX/XX/XXXX. I also went to the dealership and spoke to the service supervisor to ask if I owed anything that I was not aware of and he told me that I paid what was owed which was only {$500.00} for the service that was done on the car. I did not owe any storage fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Hirshberg Acceptance Corporation
State: MN
Product: Credit reporting 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:
THE COMPANY XXXX XXXX XXXX CONTINUES TO INQUIRE INTO MY CREDIT FILE WITHOUT MY PERMISSION, UNAUTHORIZED ACCESSING MY CREDIT FILE CAUSING HARD INQUIRY. I BELIEVE THEY ARE STEALING MY PERSONAL INFORMATION FOR SELL. I HAVE PLACED NUMEROUS FRAUD ALERT ON MY CREDIT FILE, AND XXXX XXXX INQUIRES INTO MY CREDIT FILE EACH YEAR MY FRAUD ALERT EXPIRES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: PlusFour, Inc
State: NV
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:
Hello I been sending letter to XXXX, XXXX and XXXX to remove the account listed below. I have never been applied or been associated with any of them. 

XXXX ). PLUSFOUR INC XXXX ). XXXX  XXXX XXXX XXXX ). PLUSFOUR INC XXXX ). PLUSFOUR INC 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
IN accordance with the fair credit reporting act... The list of accounts below has violated my Federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 
Account Name ... ... XXXX XXXX XXXX Account Number .... XXXX XXXXXXXX... 
Account Name ... .. XXXX XXXXXXXX XXXX XXXX XXXX. .. Account Number ... ... .. XXXX XXXXXXXX .... 
Account Name .... XXXX XXXX XXXX Account Number ... ...XXXX XXXX XXXXXXXX ... 
15 U.s.c 1681 section 602 A. States I have the right to privacy..

15 U.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...

15 U.s.c 1681 C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years.

15 U.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.. I'm a natural person, i'm a living human being i have right under 15 u.s.c 1681.

XXXX is govern by 15 u.s.c 1681 and they have violated my right numerous of time..

I demand the accounts listed be remove asap.

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 2023-08-09
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-12
Company: CITIBANK, N.A.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute letter with my credit report highlighting all the errors on my credit report. However, we have allowed furniture providers to violate the FCRA Act under Article 623 ( a ) which states, prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurateXXXX The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. DSNB MACYS HAS BROKEN THE LAW WITH GIVING INACCURATE INFORMATION TO ALL THREE CREDIT BUREAUS ... CHECK THE ATTACHMENT BELOW... LIKE HOW IS THE DATE OPENED INCOrRECT ON ALL THREE... IS THIS ACCURATE? LIKE HOW IS THE DATE REPORTED INCORRECT ON ALL THREE BUREAUS. OVERALL, HOW IS THE DATE LAST ACTIVE INCORRECT... PLEASE READ ATTACHMENTS. I PRAFULLY YOU DELETE DUE TO YOUR MISTAKES OF MY CREDIT REPORT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied to a Chase Sapphire Preferred credit card. I received a letter that I was denied due to active credit limits, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase Sapphire is the right choice for myself. I have other credit cards with them and as a loyal customer to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry and they can reconsider. I would be happy with the credit card for its travel perks and wanted to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX  Account Number : XXXX I dont recall being late on this account. Please verify all information is XXXX percent true accurate and correct and is not untimely unverifiable incomplete or inaccurate. Provide proof of last payment otherwise remove the late from this account. 

Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXXXXXX XXXX XXXX Account Number : XXXX The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, i demand that any wrong, incomplete, or unsupported material be deleted and update as agreed this payment history Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX Per Section 609 ( a ) ( 1 ) of the Fair Reporting Act ( FCRA ), you are required by federal law to verify any all accounts posted on my credit report and only report accurate information. I request all verifiable proof you have on file the late payment listed on the following account Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: In progress
Consumer complaint received 2017-07-03
Company: Experian Information Solutions Inc.
State: NC
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 soft inquire from  XXXX   XXXX . I never had no dealing with   XXXX   XXXX  . Please remove this from my inquires. Hard inquiry from  XXXX . I never had no dealings with  XXXX . Please remove.  XXXX   XXXX   XXXX  has been close d ( Paid and closed ) and should be removed from my report .  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED ).  XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX   ( C LOSED )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting 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 are inquiries that I am not aware of showing on my credit report.. These accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX need to be removed because under XXXX benefits my payments should not exceed over 6 %.. The creditor is stating that I have been approved for SCRA benefits applying to this account but it doesnt qualify for the 6 %.. Please remove this account from my credit report as this is not lawful..

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 2023-11-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress