BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
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 filed a dispure in XX/XX/2018 against XXXX XXXX. I went into a payment agreement with XXXX and they promised not to report late as long as I kept to the schedule. My dispute was that all payments were made on time. according to agreement. Experian agreed with my update however dropped my FICO score 14 points for no reason. There was absolutely NO CHANGE to my credit report. I tried to work it out with their dispute team and they were extremely rude and impossible to work with.

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 2019-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is an education loan on my account in the amount of {$10000.00} opened on XXXX. The loan was cancelled and immediately paid back in full to XXXX ( Loan Servicer ) on behalf of the Department of Education. There is a {$0.00} balance on the loan and has been for nearly a year now. I have contacted the creditor and they concurred that there is a {$0.00} balance and they have no idea why Experian is reporting a balance and / or refusing to fix it. 

InXX/XX/XXXX I disputed that entry into my credit report twice via their online app and supplied them with documentation validating a {$0.00} balance. I have my reservations that they even looked into the matter.

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 2018-09-20
Company: Bryant Bryant & Associates LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I and people I know were approached by a " investigating officer '' pretending to be XXXX XXXX from Bryant & Bryant & Associates pretending to represent XXXX XXXX XXXX with fake case number and claimed to need to make payment arrangements under penalty of Law. After setting up 75 biweekly payment got a call from a family member that it was a scam. I went to My representative at local XXXX XXXX XXXX location who verified it was a scam and cancel my debit card immediately. the scammer phone XXXX registered from XXXX Tx.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



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 2018-03-17
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My deceased wife had opened several accounts in my name without my permission. I was unaware of these accounts until I applied for a home loan and saw them on my credit report. These accounts later turned into collections and caused my credit score to go down and now I can no longer qualify to purchase a home. 
The accounts were XXXX XXXX, XXXX XXXX, and 2 XXXX accounts ending in XXXX, and XXXX. I had already paid off 2 of those accounts and will provide a letter of proof that these accounts were paid. 
I have enclosed the FTC Fraud Alert for the 4 accounts, death certificate, Letter from XXXX XXXX, Bank statement showing XXXX XXXX being paid in full for {$380.00}, and XXXX XXXX  being paid for {$280.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Complainant, XXXX XXXX and wife, XXXX XXXX had and have a home mortgage ; line of credit and bank accounts with Wells Fargo Bank ; Wells Fargo Financial Services and Wells Fargo Dealer Services since 2003. We were abused and lied to by Wells Fargo and Wells Fargo Home Mortgages and Wells Fargo Dealer Services. We independently enrolled in the Wells Fargo Class Action suit. We have yet to receive our remedies and compensation from this settled suit.

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 2019-05-08
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I was contacted by GM Financial on XX/XX/19 in reference to a XXXX XXXX and XXXX XXXX. Both of these vehicles I have leased from GM Financial for the past 3 years. These vehicles were given back to the dealership when we purchased new vehicles in XX/XX/2019. I was informed by a collection representative that my XXXX XXXX was 38 days past due and has negatively impacted my credit. I was then transferred to a Loss Mitigation representative, XXXX who was unable to assist me since I was supposed to be transferred to the End of Lease department. Once I finally got to the End of Lease department, XXXX advised me that both the XXXX XXXX and XXXX XXXX were not paid off and confirmed that the XXXX did impact my credit. She then advised me that the XXXX XXXX was 25 days past due and going to report if payment not received. I advised XXXX that both vehicles were returned and I did not have ownership of these vehicles anymore. XXXX advised this is not what was showing in there system and she could not assist me. She advised I would need to contact the dealership. I contacted the dealership and received copies of the cashed checks along with the Remaining Lease Obligation Quote from GM Financial. Both vehicles were paid the correct amount on XX/XX/19 and both checks were cashed on XX/XX/19 however ; I am still being impacted. I started getting daily collection calls until I requested my cell phone number to be removed. I still get daily emails advising me that my account is delinquent and I need to contact them immediately. I have provided all of this information to GM and it is still impacting my credit as a consumer. I do not go past due on my bills and work in the same industry. I understand how important credit is and am extremely frustrated I can not get this resolved. The dealership has done what they needed but I can not get GM to fix this error. During a conversation with my spouse, an agent advised him that the payment for the XXXX XXXX was received and it was posted to the wrong account. We asked them to stop the reporting on our credit until this was resolved and advised this could not be done. I find it hard to believe this can not be done when it is the company that made the error not us. I need to get the collection activity to stop on these vehicles and know that this is resolved so that I can sleep at night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
State: KS
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:
My wife and I sent investigation requests to the credit bureaus on XXXX XXXX. We were supposed to receive the results within 30 days. She did, but I did not.

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 2017-11-20
Company: EQUIFAX, INC.
State: OH
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:
filed a complaint numerous times, even though I have frozen my credit reports with the data mining companies including XXXX, this still seems to be reporting on the three main credit reports. Received a letter in XX/XX/XXXX from Equifax in XX/XX/XXXX from the complaint with cfpb stating that they are not reporting which is not the truth I am attaching report from today which still shows chapter XXXX bankruptcy reporting. They have been sent numerous letters asking their method for verification which they have not responded within the alotted time frame. I keep getting the same response verified by XXXX, but in the public records section of the credit report says its verified by the municipal court which is not true because I 've also attached a letter from the courts stating they do not report to the credit bureaus, so how are they verifying that any of this information is accurate or true. I believe this is a violation of the Fair Credit Reporting Act to report false information and claiming to get information from a court when it is actually obtained from a 3rd party and could easily be considered " false information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Experian. My credit card balances are incorrect for 2 months. I contacted Experian XX/XX/19. Customer service representative said it was the credit card responsibility to provide the information. The credit Card company, XXXX said it's Experian, XXXX and XXXX   responsbility. My credit is down to 30 % from 95 %, but still shows 95 %. I want to lease a car, but can not with my terrible credit score.

TransUnion. I tried to speak to someone to make corrections, but got disconnected. Also on XX/XX/2019.

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 2016-09-07
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I made a partial payment halfway through the month, as I fell on some hard financial times. I set up a payment for the end of the month ( to avoid a negative report on my XXXX, as I have been working on a mortgage for about 9 months. ) They reported me 30/60 days delinquent, and dropped my credit score over XXXX points! They said I needed to pay by the XXXX to avoid negative reporting, which I did. They have also been applying all of my payments to interest.. and nothing goes to my principle balance. I have been paying on the car for 1 year, @ XXXX $ a month, and have only satisfied XXXX of the initial balance!!! When I call, they have no record of previous calls, and have been hanging up on me when I call to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Experian Information Solutions 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:
I was advised to contact this agency regarding items on my credit that are not mine. The first time I noticed something weird is when I applied for a XXXX account and was not approved. I then went to my bank who I have bank with for the past 6 years which I also have car loans with and they did not approve me for a personal loan. Please take these items off my credit. I have contacted my local police and the FTC. XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf.

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 2017-01-26
Company: SLM CORPORATION
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
On XX/XX/2016 I submitted a complaint about my student loan with Sallie Mae bank. The case number to XXXX is XXXX. I do not believe the response from the company was truthful. In their review of the case Sallie Mae referenced XXXX phone calls that were on recorded lines, XXXX was on XX/XX/2016 and XXXX on XX/XX/2016 On these phone calls the company said that they did not intend to harass me or my parents into making payment and the " consequences '' of not making a payment. They furthermore said that the representative informed me that that both loans would not be included in my repayment plan which they did not. I am writing to request Unedited Transcripts or recordings of these phone calls be sent to me directly. I believe that would settle the issue of wrongdoing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX XXXX XXXX/XXXX  veteran. I served 20 years in the military. After retirement I decided to use my GI Bill to attend XXXX University and obtain my degree. I am just 2 classes short from earning my degree at this point. ( XXXX did not accept all of my military credits as transfer credits and, I took a full course load for 4 years - but still don't have a degree somehow ). 

In 2015 I stopped attending XXXX full time since I just needed 2 more classes. During school, I ended up borrowing using some student loans since I had a wife and XXXX children who came with me to XXXX and we had extra expenses than what the GI bill covered. 

My student loans became due several months later. I paid them but slowly it became too difficult as I was not working, my wife also owed student loans, and I had a daughter approaching college age. 

I tried relentlessly to contact XXXX, XXXX and XXXX XXXX, which were servicing my loans, to get my payments deferred or reduced. When I called there was always a 1-2 hour wait. I called to ask them to talk to my wife who handles our finances. They said they would send me an email form to complete and return - I never received the email. I tried to use their online website to submit payments and contact them but the website would not let me create a user profile and log in. 

When I finally reached someone at XXXX XXXX XXXX they said I could set up loan deferment and we set it up over the phone. Three months later I found monthly email statements that showed they had never processed my deferment request and had been charging me each month, which put me in a delinquent status! I called and waited on hold for over an hour and they put me on a payment plan. Several weeks later the payment became due, but when the statement came it was for more than the amount we had agreed upon on the phone! 

I suffer from XXXX from my time in the military. There has been so many obstacles to working with these school loan servicers it has been so difficult. I have been unemployed for most of the time since attending XXXX, but I have not been able to reach the servicers to apply for deferment or forbearance since my early attempts. 

My school loans have now gone into default. We were sent a letter saying we now owe {$40000.00}, but I know I did not borrow this much money. I have records that show 1 loan was only {$3000.00}. My family needed money from our tax returns recently, but over {$10000.00} were taken in garnishment. 

I do not know who to call or where to turn at this point. 
1. How do I get straightened out what amount I really owe? 
2. How do I get back on some realistic payment plan, given that I am still unemployed? 
3. Is there a payment plan for veterans that are XXXX? 

Thank you in advance for your assistance. 
XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
There were fraudulent charges on my account for three months. I disputed the fraudulent charges and the charges were removed three months later. I have requested in writing to this company that I get refunded interest charges for the months when I had fraudulent charges on my account. The company responded to my letter on XX/XX/2020 via email to me however they ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment from Chase mobile app to my Chase XXXX credit card via the Chase.com app as i do every month. Every other time for years it posted immediately so I didn't worry about making the payment on the due date. This particular time, the payment didn't post for 3 days, they not only billed me a late fee but reported me 30 days late to my personal credit bureau. When I called while the payment was processing, a representative advised that they see the error and to call back once the payment is posted so they can fix it in their system and on my credit report. A few days later when I called back, the representative advised me that they don't have to respond to my alleged banking regulation error because they offer multiple ways to pay my bill. I asked them to open a case to research it as the previous representative acknowledged the error but was denied and they said they don't do that. This is a clear disregard for banking regulations and Chase should be fined whatever the maximum fine is as they blatantly disregard the laws and don't even attempt to remediate or research errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My wife and I sent investigation requests to the credit bureaus on XX/XX/XXXX. We were supposed to receive the results within 30 days. She did, but I did not.

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 2021-08-05
Company: KEYCORP
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XX/XX/2021 I applied for a personal line of credit when I applied for a checking account with Key Bank in XXXX Washington. In early XX/XX/2021 I was qualified and accepted an offer for a line of credit for {$5000.00}. I was not told that I would have to go online to their online platform and accept the offer because in my mind, I accepted the offer with no warning that I would have to accept it again a 2nd time. 

I went to the bank when I realized that I no longer had access to this account and was hold my a bank rep that they would get their " back office '' to investigate and would call me Monday XX/XX/2021 with an update. I never received a call. 

Today XX/XX/XXXX I went back in to the same branch and spoke with a personal banker XXXX XXXX to called the back office and told me I would have to reapply where my credit score would be hit now a 2nd time for an offer and acceptance of a line of credit that I already qualified for an accepted. This was not acceptable and I feel they should able to reactive something I already had that they closed with out my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Experian Information Solutions 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:
Hello I was advised to contact you about some things on my credit that does not belongs to me. I have contacted the FTC and my local police. Please have XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX. XXXX  XXXX removed from 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