BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Hi i had just recently turned XXXX XX/XX/XXXX and wanted to begin building my credit by starting a contract plan with XXXX. They denied me and sent me a letter informing me of my credit score : XXXX. I am not sure why is it XXXX because I have no payment history, never gotten any loans out or anything. I attempting to receive my annual free credit report from the XXXX credit agencies, annualcreditreport, creditkarma etc. In the third step of identity confirmation I am asked security question as to which credit agency or bank I got my supposed home, auto and school loan from XX/XX/XXXX. XX/XX/XXXX I was only XXXX years old and it is impossible that I have any loans, which then denies me access to my credit report ; it says they are " unable to retreive my report at this time ''. I have taken hours calling each agency bureau, the annualcreditreport, my bank XXXX and the consumer protection bureau. All of them have given me little to no insight. I had no other choice but to turn on a fraud alert on my credit report to be proactive if it is the case of an identity theft crisis and someone got loans in my name XX/XX/XXXX. Still no one can help me see my credit report that I have never gotten to see myself and no help from Experian to talk to a representative, its all an automated machine that had no option for assistance. I am left with my last hope of figuring out my credit status so I can fix it if needed or just understand how my score came to be, by filing a complaint to get a response and further guidance.

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 2015-04-14
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have a debt on my credit report with XXXX Mortgage, which is past due over 180 days. This is the ONLY negative on my credit report. the item has been disputed on complaint # XXXX as I filed chapter XXXX bankruptcy in 2003 and all debts were included in that. My additional problem is this same debt was under the name of XXXX Mortgage last year and removed, XXXX XXXX the year before and removed, XXXX the year before and removed and so on. When this debt is deemed uncollectible by the debt collector and this info is disseminated back to the loan holder, it is then sold to someone else for collection the next year. This has hurt my credit terribly cost me money in points and higher interest rates, and wasted my time and other, plus being a fraudulent practice on the part of the creditor, the reporting agencies and the collectors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
am unable to " validate '' to get both my XXXX and EXPERIAN credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ), student loans and auto loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that XXXX and Experian have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! I am a homeowner and have lived at my current address since XXXX 2012 ; I suspect Experian is somehow not using the right address information. 
I have XXXX auto loan ( with XXXX XXXX XXXX in XXXX, MI ) and my mortgage is with XXXX XXXX XXXX in XXXX. I do NOT have student loans or any other mortgages or auto loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account # XXXX has violated my rights. 
XXXX, Account # XXXX has violated my rights 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, other than record 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: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased a trial of XXXX XXXX at the cost of XXXX dollars on their website. the site kept trying to upsell me on more bottles. I kept saying no but when I look at my account a whole other amount. I have been waiting it has been more than three months. Please Assist

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 2020-06-17
Company: JPMORGAN CHASE & CO.
State: FL
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:
On XXXX XXXX my credit card was stolen and used at a store fraudulently and i got charged XXXX $ by Chase. I reported the card the same day of XXXX XXXX and the dispute was filed. The bank denied by dispute without any reason other than starting we did our investigation. I tried to appeal again after trying to get in touch numerous times yet their fraud claim number never works and had wasted hours n hours just to attach further proof that i had i.e a police report. I have emailed them and called them and there is no response from them yet somehow they filed the appeal without taking any proof from me or even acknowledging my police report and just few days ago denied my appeal as well stating the same reason that their investigation was done properly. I am emotionally distressed with taking out time from work just to call them so many times to find no answer and financially burdened with this amount and having not able to get in touch with the bank especially having 4 cards with them and never ever missing any payment and having a good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: CFM Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I actually do n't know whats going on seens i have XXXX i have accesses of my credit info, my credit went down from excellent to good because of this creditor called CFM GROUP XXXX, GA XXXX I do n't recall if i have got any phone calls or latter from them and i do not recall if i own anybody any kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Stellantis Financial Services US Corp.
State: NC
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:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

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 2022-04-19
Company: General Motors Financial Company, Inc.
State: NC
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:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, we paid off our home with U.S. Bank, NA on XXXX/XXXX/2016. To date we have yet to receive a lien release on our property. I have had to contacted the bank at least 4-5 times regarding this matter, 3 weeks ago, I was informed the lien release was sent to XXXX County Recorders Office on XXXX/XXXX/2016 and bank has since received the recorded release back from XXXX County. After checking my property records at the XXXX County Recorders Office today, there is no lien release filed on our property. During the call 3 weeks ago, I was also informed they had mailed the recorded release to our home, their office is located in XXXX XXXX, TX and we live XXXX miles north of XXXX XXXX and should have received the item they supposedly mailed within 4-5 business days. My guess is that our lien release has not been processed and we have not been told the truth. U.S. Bank, NA did not have a problem of taking our $ XXXX, our hard earned money to pay off our loan, it was paid off with our savings, not with the loan being refinance. The loan was paid off 5 MONTHS AGO and I feel is it ridiculous that we have to make call after call, ask to speak to Supervisors just to get the paperwork off someone 's desk and to get the ball rolling to complete the lien release process. Unfortunately, at this point, my guess is that we have been mislead and our lien release has not been processed, even though we paid a fee to complete this process as part of the loan pay off amount!

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 2022-04-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 XXXX XXXX has violated my rights. 

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.

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 2022-04-19
Company: Global Lending Services LLC
State: NC
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:
I have filed a dispute in regards to the inquiries on my credit report that i do not recognize nor did i authorized. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that XXXX was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent woman, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.

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 2015-03-19
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I filled out all of the information on-line and then there was no report. Is it supposed to be emailed? It just was n't there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-17
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
A collection account with XXXX XXXX XXXX XXXX, account number XXXX was previously deleted from my credit report now and readded. They are reporting an open date of XX/XX/2014 which is not true and a balance of {$70.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Complaint is with Experian. 
Their response to my first complaint was : items XXXX & XXXX are not on report. 
What kind of answer is that??? 
The report under my name " WITH THEM '' is showing negative items :1 XXXX XXXX {$250.00} ) XXXX {$660.00}. Both items already removed from XXXX and XXXX because it was proven to be incorrect and removed. 
3 ) XXXX XXXX ( judgement ), that had to do with a litigation that I won against them in XXXX XXXX, California. " So, WHY '' is it still on their report??? 
4 ) XXXX XXXX5 ) XXXX XXXX6 ) XXXX, Also " ALL XXXX REMOVED '' from XXXX and XXXX because of proven " Not Appropriate ". 
So why have n't THEY removed them yet??? 
A response to this claim needs to be Proffessional and ethical!!! 
If they say " items x x not on report '' then they should prove it!!! 
Show me " MY REPORT '' where these items suposedly not on report. Because that 's not what I 'm reading from my report!!! 
These XXXX items SHOULD NOT BE on my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX of calls over more than XXXX months. They have never left a message, until today. They are, supposedly, a Debt Collection Agency, based in Texas and XXXX, XXXX Caller ID reports the call from Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXX XXXX XXXX XXXX XXXX  The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This was not done. 

They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 

The Credit Bureaus stated this account was properly investigated and verified with XXXX and the XXXX XXXX XXXX but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. 

They have violated the law because according to 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

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

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 2015-11-11
Company: SLM CORPORATION
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Sallie Mae does not give borrowers the option to make a principal-only payment online. I gave the minimum payment online and planned to call in to apply another payment strictly to the principal. I called the main Customer Service number, and they told me that was also impossible to guarantee through their means. The representative I spoke to was clearly unfamiliar with the idea or function of a principal-only payment and told me false information. He repeatedly told me " most '' of my payment would go to the principal or that he really could n't guarantee where it would go. It was clear the representative was trying his hardest but that he was simply untrained and unequipped to provide me the correct information and action. I went so far as to ask if a principal-only payment application could be guaranteed if I sent in a check. He once again essentially tried to tell me there was no such guarantee. 

This is unacceptable. ANY other type of loan allows the borrower to apply payment at their discretion, provided minimums and fees have been paid. If I pay what I " owe '' for the billing period, I should be at liberty to apply payment wherever. 

It is clear Sallie Mae has exercised great liberty in thwarting its borrowers from repayment. It is disgusting that an organization would make it so difficult to get ahead on debt. 

Perhaps the representative was new, or mistaken. Regardless, it would really be best if SM could offer this option online. This is totally unreasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-23
Company: EQUIFAX, INC.
State: LA
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:
U S DEPT OF EDXXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX U S DEPT OF EDXXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, ONLY NAME IS XXXX XXXX, ONLY XXXX IS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Residential Credit Solutions, Inc.
State: IN
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
TOOK OUT MORTGAGE WITH XXXX IN XXXX AND THE LOANED SECURED BY XXXX XXXX. THE ORIGINATED MORTGAGE AS WELL AS SERVICED LOAN UNTIL XXXX ( DURING THAT TIME COMMITTED FRAUD AGAINST ME AND MY LIFE ). AND THEN TRANSFERRED TO XXXX WITH A LETTER DATED XXXX/XXXX/XXXX COVERING UO THE FRAUD VIA XXXX XXXX ) AND WITHOUT VALIDATION NOTICE ETC. TRANSFERRED AGAIN TO XXXX, RESIDENTIAL CREDIT SOL. AND NOW XXXX. ALL TRYING TO COLLECT A FRAUDULENT MORTGage accounts and leaving tradeline scaring on all XXXX bureaus.

Company response to consumer: Closed with explanation