BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-25
Company: AES/PHEAA
State: WI
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:
Here we go again!!! I am still trying to fix the debacle that is my student loan. I have called and called and called and just get the runaround. I feel like my student loan is a complete and utter fraud and the student loan servicer is running a scam. 

My student loans are a disaster. The government garnished my income tax refund even though I'd been paying on my loans. I was assigned an ombudsman that was able to figure out the level of deceit these companies are willing to go through. The ombudsman discovered my consolidated student loans were unconsolidated and sent to separate servicers without my knowledge or consent. 

In trying to understand what's going on and why my fees are so high I called XXXX   XXXX and they just XXXX with me. I'm going through the exact same thing as before where everyone I talk to sends me to talk to someone else so I'm stuck in this vicious, expensive, circle of XXXX. 

When I talk to them they just say they don't understand what's going on and 'oops, we can't find any of your loan information before XXXX ''!!!!!!!! Ummmmm .... I graduated in XXXX. The way they have it calculated, my approximately $ 50K worth of loans with cost me somewhere around $ 180K. 

So - they can XXXX up my loans, lose my loans, not give me information about my loans, but still charge me interest? They also set me up on some graduated payment which means my $ XXXX/month loan will go up by {$200.00} next year!!!!! XXXX? I am already dying trying to pay $ XXXX/month. How am I possibly going to come up with $ XXXX/month?!!!!! 

This is sheer lunacy and is financial XXXX. I can not believe XXXX XXXX has no responsibility to be able to look at my records and truthfully, tell me my options. 

Servicing has been inconsistent, funds were misappropriately applied, I have been repeatedly lied to, information has been obscured, I have been deceived, my credit has been affected and I feel their behavior has been illegal. 

Someone needs to stop them or sue them like they sued XXXX. 
https : //www.consumerfinance.gov/XXXX Please help me figure this out. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
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:
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Secured Loan XXXX XXXX XXXX XXXX Account charged off. {$180.00} written off. {$1600.00} past due as of XX/XX/XXXX 
( XXXX ) XXXX Public Record XXXX XXXX XXXX Account charged off. {$740.00} written off. {$740.00} past due as of XX/XX/XXXX 
( XXXX ) XXXX Public Record remove the FCRA violations b/c of the civil violations ( XXXX ) XXXX wrong number XXXX ) XXXX wrong number

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 2019-06-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Dear all, I need your help as my credit score is keep going down without knowing why this is happening. I tried to access my credit scores to no avail. Can I get them and check what is the cause of this decrease?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: JPMORGAN CHASE & CO.
State: MI
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:
JPMorgan Chase bank auto finance failed to correctly update my credit report after identity theft. The account is fraudulent and I am not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
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:
A account appear on my credit without my understanding of ever applying for these account. I contact the merchant and the bureaus and insist it be remove but no word or action yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I stayed in XXXX XXXX, XXXX, NJ, from XX/XX/XXXX - XX/XX/XXXX. 

My father in XXXX had passed away in XX/XX/XXXX. Therefore, I had given 2 month ( 60 days ) vacate notice, as per my discussions with the Property Manager, and the General Manager at XXXX XXXX. 

Since my father in XXXX had passed away suddenly, and in order to attend to the remaining activities, and take care of my mother, I had moved to XXXX the end of XX/XX/XXXX. 

After returning back to the United States on XX/XX/XXXX, I had found to my disappointment that the XXXX XXXX XXXX, had incorrectly reported to the NATIONAL CREDIT SYSTEM, that I had not paid the rent from XX/XX/XXXX - XX/XX/XXXX, in the amount of {$6600.00}. 

Immediately, I contacted both the XXXX XXXX XXXX, AND THE NATIONAL CREDIT SYSTEM, to remove this collection amount that was incorrectly reported to ALL THE CREDIT AGENCIES such as XXXX, XXXX, AND XXXX, that I did not owe. Despite several requests, and in person visits, they neglected my pleadings, and threatened me that I owe the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Associated Credit Services, 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: Information belongs to someone else

Complaint:
On XX/XX/2020, ASSOCIATED CREDIT SE add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. 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 ASSOCIATED CREDIT SE has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Back in XX/XX/XXXX I filed Dispute with Bank of America XXXX prepaid card services For unauthorized transactions on my XXXX card And we sit in XXXX of XXXX We still no resolution no communication all Bank of America XXXX XXXX XXXX XXXX is doing is closing the disputes I was incarcerated during these unauthorized charges on my account And I feel like I'm at a dead end Road I contacted the XXXX I've contacted corporate Bank of America I've contacted the news 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 2018-09-26
Company: WELLS FARGO & COMPANY
State: MN
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:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A number of years ago i had someone use my social security number to access lines of credit and open credit cards, since then there has been multiple accounts opened in my name with different addresses, phone numbers and employment details that are incorrect. This is not my address ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This is not my employer ; XXXX This is not my phone number ; 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 2020-09-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Initiated disputes via mail and online with Experian, providing proper identification documents, sent via certified mail # XXXX XXXX XXXX XXXX XXXX on XXXX. The online method issues auto responses without providing any information about how accounts were verified, even though the accounts still report inaccurate and missing information. 

The following accounts have been repeatedly disputed due to inaccuracies. The CRA has a pattern of denying my rights under the FCRA ( sect 611 ). They have reinserted inaccurate and incomplete information further depressing my credit scores. Experian has stalled my dispute process randomly requesting identification documents which they have on file and, were submitted with my disputes. 

The following accounts continue to report inaccurate, missing and unverifiable information : 1.  XXXX/XXXX  Account # XXXX : Date Opened XX/XX/XXXX : Account has missing information which the CRA will not update ; Highest Balance, balance. Request for immediate deletion. 

2. XXXX Account # XXXX : Date Opened XX/XX/XXXX : The account is missing its complete payment history. It is only reflecting 7 months of my payment history. Request for deletion due to incomplete information and failure to resolve within time allowed by FCRA. 

3. XXXX/XXXX  XXXX Account # XXXX : Date Opened XX/XX/XXXX : Account is missing balance which should read " XXXX '' /XXXX. It is left blank. Request for payment history verification due to inaccurate missed payment was not honored. Request for deletion due to inaccuracies. 

I have a right to complete and accurate information, or the accounts here must be removed immediately. I am respectfully asking them to comply with FCRA.

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: EQUIFAX, 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:
company is currently reporting a negative listing to the XXXX major credit bureaus ( XXXX, XXXX XXXX, and Equifax ) regarding the above referenced account. Based on my recollection and my records, I can find no reason for you reporting such a history. If you'll review your records I think that you will find your reported notations are inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: CITIBANK, N.A.
State: WI
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:
I opened a secure credit card with citi bank last year I had XXXX XXXX on time payments right before my first year mark was coming up citi bank closed my account. They are reporting that I owe a XXXX dollars still but havent issued me my initial deposit refund they are stalling my refund so that I send them more money I am owed XXXX $ for my refundable deposit and the balance is XXXX my balance should be XXXX and the remaining amount of my deposit should be issued to me this is showing negative information on my credit report when in all reality I am the one who is owe money not citi bank

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 2020-09-08
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I brought a XXXX XXXX XXXX  with XXXX miles on it from XXXX XXXX and XXXX XXXX in XXXX of XXXX the cost of the vehicle was roughly 21,000 it was financed by Chrysler Capital at an interest rate of 16.2 for 72 months all 72 payments have been made at this point I was told at the end that I had a balloon payment of about {$10000.00} I called to find out how is that possible when all 72 payments was made I was told that Chrysler Capital policy is if you late on any payments they have the rights to only apply your payments to intrest only and not to the principal so what they did was stop applying anything to the principal of the loan for at lease a yr which creates a balloon payment at end of your loan. base on a class action lawsuit that have been file against them not only do they Chrysler Capital do this to people who might make a payment late they been doing it to people who pay on time. It is just Chrysler Capital policy to use predatory lending practices against any minority or anybody with a low credit score also what Chrysler Capital have been doing is taking advantage of people with low credit score and feeling that they can discriminate against them because they credit score. this predatory lending practice is outrageous not only that Chrysler Capital also charges you late fee plus interest on any late payments made late so you are being charge intrest over the 72mn and interest on the late fee they are inaccurately reporting these large payments to the Credit Bureau it is outrageous to think that you make 72 payments and then your told at the end you still owe Chrysler Capital {$10000.00} for a car that only values about {$5000.00} what they want you to do is to be afraid that they are going to repossess your car so you will negotiate so they can get more for a car that value have depreciate this practice is racially motivated and discriminately against minorities I was told even though the 72 payments have been made I will not be able to get the title for my car unless I pay this {$10000.00} I am looking for this {$10000.00} debt to be removed from my credit report I am looking to resolve this issue with Chrysler Capital for anymay late fees only no interest.72 payments have been made and the car is mind I do not owe them {$1000.00} i will not give them {$10000.00} i will take whatever legal action to stop this process from happening it is unfair no normal car loan or car company would do this to a consumer to try and Rob them to use predatory practice to manipulate and connive is unlawful I'm asking Chrysler Capital to remove this debt from my credit report I am asking them to clearthis loan if there is any late fees I am willing to pay it without no interest onthe late fees the 72 payments have been made and I would like to have the title of my car

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Affirm Holdings, Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Affirm had contacted my place of work on multiple occasions asking for me by name and when I attempted to contact them by mail and provided my information all they provided me was an email stating I was responsible for the debt. Never once did the company provide me with written and signed documents that state I agree with my signature and they never provided my correct address or any other information only that I owe them money to several accounts. When sending in a written letter stating for them to provide accurate written documentation they provided nothing but an email stating I was responsible for payment with no other info as to what was purchased who they are and what services they provided. This has been ongoing for over a year now ( since XX/XX/2022 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: Navient Solutions, LLC.
State: MD
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:
XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of Attending XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was Navient. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
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 status incorrect

Complaint:
The end of XXXX I took bad advise from a company called XXXX XXXX XXXX. I am trying to move on from that mistake. They recommended me to stop paying my unsecured debt and to settle with the credit holders instead of slow paying out the debt. I have settled with all 4 credit accounts - XXXX XXXX, XXXX XXXX, XXXX, and XXXX in XX/XX/XXXX. 

I have had a flawless credit history since all time before my dealing with XXXX XXXX XXXX program. My Credit has been flawless since i got out of that XXXX program as well. I paid the creditors what was agreed to settle for but I still have a tarnished credit report listing Charge Offs. I have only one small time period of an issue and I want to move past that. 

I would like the three credit bureaus to list the accounts as simply closed. Not Charged off. The Accounts were not " Charged Off ". The accounts were paid the amounts negotiated by the creditors.

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 2020-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account. Please provide verification, method of verification XXXX XXXX XXXX  XXXX XXXX # XXXX This account is closed but reporting negative information on credit every month on XXXX. The account was deleted from XXXX  and reporting no payment history on Transunion. This is information is inaccurate and not my account account, please removed.

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 2021-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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