BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-26
Company: Affirm Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted affirm about a company they paid for a product I never received and the company agreed to return the money to affirm. 
I told affirm I contacted the company XXXX and XXXX sent email to me stating they return the money back to affirm. Affirm Continue to harass me after I sent the email stating this. I don't believe they ever contacted XXXX about their funds and now they sent this to a debt collector in which they never informed me off this. 
They still end up putting this debt on my credit report. I believe they got their money back and they are trying to get double paid. They have not talk with me or sent any letter about if they got their return money back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Nelnet, Inc.
State: LA
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:
XXXX XXXX {$30.00} inaccurate and was suppose to be deleted since XXXX. 

NelNet Student Loans Invalid Dates need to be removed off report. 

XXXX XXXX XXXX been inaccurate for over XXXX years account closed already. Please delete. 

Update credit card balances Total Debt is wrong. Please verify and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: JPMORGAN CHASE & CO.
State: TX
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:
Merchant failed to refund a deposit for services not rendered, despite several direct attempts made by the consumer, the absence of a signed agreement and failure to provide terms and conditions surrounding their deposit acceptance process. Consumer initiated to dispute charge ( s ) with Chase Bank. During the process Merchant filed fictitious documentation with Chase Bank in order to win dispute. The dispute process with Chase took over 60 days to complete and concluded with awarding money towards the merchant. During the process, the merchant threatened and harassed me about disputing the charge. I could not provide any documentation towards the dispute as nothing was ever provided to me from the merchant. I have tracked down the original person I dealt with at the company, he is no longer employed by the merchant being discussed here and he is writing me an affidavit to discuss their processes and what happened with my situation in particular.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Venmo has frozen my account I do not owe them any money. I have a balance of {$130.00}. XXXX in my venmo Account. When I call customer service they do Nothing But tell me that I will need to talk to the specialist team to unlock my account. The only way to communicate is through email. The Specialist team has not gotten back in touch with me its been over eight days and theyre holding my money. I have sent emails I have called. Nothing works but the tickets say solved. Nothing is solved because I still cant get my money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: CA
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:
In addition to NEVER HAVING A CONTRACT WITH THE COMPANY XXXX ; this company is reporting knowingly harmful and fraudulent data to credit reporting agencies. This company even sent email saying that Im not required to make a payment at this time- so why is this company reporting false late payment

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 2021-02-12
Company: LCO Financial Services, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In late XX/XX/2020, while struggling in the mist of the pandemic due to loss of hours at my job and some unexpected costs, a disgusting company called blue trust loans preyed upon my desperation by deliberately misleading me into and and extremely high interest rate loan. On XX/XX/2020 I was approved of a loan from them in a time of need under the impression that the XXXX dollar loan that I was approved for would be paid off with interest with 6 payments of XXXX dollars on top of the initial XXXX dollar fee. Now I have made all those payments, and come to find out to my shock and horror I still owe XXXX. In fact if I continue to pay at the same rate my total payment will amount to over XXXX for a XXXX dollar loan. If I knew this was the case under no circumstances would I have taken this loan even in that moment or desperation. Blue trust loans is a company that deliberately misleads people in order to bind them to an extremely high interest loan and they should be held accountable. The only thing they have offered me is to pay the remaining XXXX upfront to avoid further fees/principal but I can not afford that and even if I could I would still ultimately be paying far more than I initially expected. Due to what they have done I feel violated and even more financially stressed than even when I received the initial loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-12
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:
There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed 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 non-monetary relief
Consumer complaint received 2018-02-12
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a updated credit report in which this company was listed as a new collections account on my credit file for XXXX the company has not tried to contact me at all. I even tried to call and see where this alleged debt came from. They could not even locate me in there system! This debt is causing me not to get financing for a home I have work really hard to get! I have not been contacted and was not notified that this account was going on my credit file. I want this account removed until it is verified and Validated by me according under FCRA.Under Fair debt collection practice act I have the right to have accurate and correct information reported on my file! I also have the right to be notified upon placing a account on my file!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Self Financial Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account was opened on XX/XX/XXXX. The Automated Clearing House ( ACH ) payments, on several occasions, incorrectly failed although my bank account had sufficient funds. After it happened several times I reached out to their customer service representatives and was told that such was possible according to a chat interaction I had with one of their employees named " XXXX XXXX '' on XX/XX/XXXX, whereby it was claimed that such had " happened a lot recently. '' I have the chat transcript whereby this was attested if need be. I did my best to make the payments on time, I even made my automatic bill payment date on the first, which is the day that I am paid, to ensure that there would always be enough money for them to withdraw. However, I suppose I put too much trust into their ACH system and they gave me a late payment mark on the date of XX/XX/XXXX. I filed a Goodwill Request in XX/XX/XXXX which the company declined and I opened a dispute with XXXX in XX/XX/XXXX to no avail. It's very frustrating that I did everything in my power to ensure I paid on time, including signing up for the ACH payments, but their system failed and yet I have to live with this on my credit report for seven years. It seems a point of pride on their part that they don't want to admit that their system failed and caused this. I wish they would swallow their pride and allow me to recover from their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TD BANK US HOLDING COMPANY
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:
NORDSTM/TD XXXX OPENED : XX/XX/16 BALANCE : {$0.00} I am concerned with the validity and reliability within your current evaluation and the late payments needed for this account and exactly how it is reporting on my credit report. About 45 days ago I applied for an inspection considering the fact that I noticed the item seriously isn't being noted lately. To my big surprise, I have gotten a mail revealing that your assessment was completed and that the item had been " confirmed as exact. By Section 1681 ( g ) please be sure to provide me personally along with a summary of the approach accustomed to authenticate the account is " accurate '' and post me the name and addresses of persons emailed in every policy found in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been emailing me about my deseased mother 's phone bill, which I'm not responsible for. I have proof they have been sending daily emails and now they're sending texts. According to the email they don't own the bill as it is too old to be on my credit and I had already disputed this with a prior company and it was removed 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On or about XX/XX/2020 I was receiving much needed benefits for the entirety of XXXX full months till the other shoe dropped and my benefits stopped because of the negligence of Bank of America and there inability to communicate during a fraud pandemic. Understandably they where busy from making the grave mistake of allowing full access to anyone who get their hands on the card for XXXX  XXXX. I had made several full fraud complaints to the bank and XXXX to XXXX but they continued to let the man steal my benefits till I gave up trying. Its been almost XXXX years now and my life and my children 's life drastically suffered.

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 2023-09-13
Company: EQUIFAX, INC.
State: IL
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:
I am writing to dispute several unauthorized inquiries that have appeared on my credit profile recently. Upon reviewing my credit report, I have identified the following inquiries that I did not initiate or authorize : 1. Inquiry from XXXX on XX/XX/2023. 
2. Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
3. Inquiry from XXXXXXXX XXXX XXXX  XXXX XXXX on XX/XX/2023. 
4. Inquiry from XXXX XXXXXXXX on XX/XX/2023. 
5. Inquiry from XXXX XXXX XXXX on XX/XX/2023. 
6. Inquiry from XXXX XXXX on XX/XX/2023. 
7. Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/2023. 
8. Inquiry from XXXX XXXX on XX/XX/2023. 
9. Inquiry from XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023. 

As per the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and reliable information on my credit profile. Therefore, I kindly request that Equifax promptly investigates these inquiries and provides me with a detailed explanation regarding their legitimacy. Should these inquiries be found to be unauthorized, I request their immediate removal from my credit report. 

Furthermore, in accordance with the FCRA, I would appreciate receiving a free copy of my updated credit report once the investigation is completed. 

I understand that under the FCRA, you are required to complete your investigation within 30 days of receiving my dispute letter. I anticipate receiving a written response from Equifax regarding the investigation 's findings within this timeframe. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and the removal of these unauthorized inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Experian Information Solutions Inc.
State: IA
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:
To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. 
A company named : XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. 
I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named XXXX XXXX XXXX. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with XXXX XXXX XXXX.

I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. 
This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. 
Most sincerely ~

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 2023-02-23
Company: Experian Information Solutions 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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2017-07-29
Company: Experian Information Solutions Inc.
State: UT
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 noticed on my credit report that a medical was on there twice, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have two medicals for the same debt. They have duplicate trade lines. I have asked Experian and XXXX to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the two unpaid XXXX medicals are the same account : open date the same, amount the same, day of delinquency the same.

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 2023-02-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company acts like you can dispute items online. You can not. You have to call and wait on hold forever. They allow XXXX collection agency to list XXXX account as XXXX, allows another to keep changing the date opened date, and the other XXXX are fraud but I can't dispute without calling which I am guess if I ever get a person, it will be an attempt to get me to subscribe to their services which is pretty much all their site is. An attempt to get people to spend money on stuff that is useless and unnecessary. I just want to get the bad accounts off my report without it taking forever. And how to get to see the info they supposedly got to verify the accounts because I'd like to see it. I don't think there is any.

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 2022-02-26
Company: AES/PHEAA
State: IN
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:
I have spent countless hours on hold with Fed Loan servicing trying to achieve the student loan forgiveness I am entitled to under the new XXXX waiver. My employment history has been verified with 13 plus years of public service. I have never missed a payment on my loans during that time, however a large chunk of payments from 2011 are missing from my records! This is exceedingly frustrating that nobody can help me. I am put on hold time after time and given no explanation for a solution. I am losing faith that I will ever receive the relief I was promised. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Inaccurate information on credit report. Inquiries from different creditors that weren't permissible. XXXX, XXXX  and TransUnion. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2023-11-08
Company: WSFS FINANCIAL CORPORATION
State: PR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I was informed by Wilmington Savings Fund Society that XXXX XXXX Company of Delaware was handling the property. I was given XXXXXXXX XXXX email address, office address and phone number. 
I did send an email with my request on XX/XX/.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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