BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: AR
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:
I HAVE ASKED XXXX XXXX XXXX TO DELETE THE WHOLE ACCOUNT FROM ALL THREE CREDIT REPORTING BUREAUS AND THEY REFUSE TO. I NEVER GAVE THEM PERMISSION TO PUT ANYTHING ON MY CREDIT REPORT THEY ALSO VIOLATED THE TRUTH IN LENDING ACT AS WELL.

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 2021-08-30
Company: Helm Associates
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with HELM ASSOCS. This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the repossession was posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE IT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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:
These are not my accounts, I didn't authorize these credit pulls, and these aren't my names listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation gatherer hasn't given confirmation that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient verification and a duplicate of a printout bill isn't confirmation this is influencing my capacity to get another home. I don't have the foggiest idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts, I didn't authorize these credit pulls, and these aren't my names listed.

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 2021-08-30
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
According to all the information online, I qualify for my XXXX loan to be discharged or forgiven. However my loan servicer great lakes has denied me twice for loan forgiveness. Stating that I dont qualify even though I attended during the years that the Biden administration has expanded. Most recently I submitted a loan forgiveness two months ago and I have not heard back from them once on an approval or denial. And its nowhere on my forms that its been processed. I dont know what to do and they keep adding thousands in interest despite loans being frozen for Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XXXX XXXX, 2016, I requested my transunion credit report. I received it ( file XXXX ) and submitted a dispute form regarding an account with XXXX and XXXX on XXXX XXXX, 2016. I did not receive a reply from Trans-union. The same inquiry was submitted to XXXX and XXXX and both have communicated to me since that date. On XXXX XXXX, 2016 I wrote Transunion a letter stating that my XXXX XXXX dispute had not been addressed. I submitted a copy of the original dispute form as well as requesting that Transunion report the disputed XXXX account accurately pending the results of the dispute. To the date of filing this complaint, XXXX XXXX, 2016, Transunion has failed to address my dispute.

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 2016-12-21
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I spoke with a young lady on XXXX/XXXX/2016 I believe from this company..she informed me of the balance owed. I advised her I did not want to get any calls from their agency. She then had an attitude and demanded payment. I asked again for no more calls and disconnected the call. 
I receive another call on XXXX/XXXX/2016. I was not able to answer. I called them back XXXX/XXXX/2016 at XXXX and let the agent know I previously requested not to be called. He said he is going to mark my account as a refusal to pay ( misleading ). I said I am not refusing to pay, I just do n't want any calls. He said they can stop the calls. 
I called again and spoke with XXXX on XXXX/XXXX/2016 at XXXX to get the company info and my account number. I asked him for their company website. He did not want to provide it to me. He kept asking why I needed it. I said I wanted their company info and a place to make my payment. He said I can only pay over the phone with a card or check. I stated I still wanted the site. He provided https : //halstedfinancial.com/ I said thank you and disconnected the call. 
Their site does allow for online payments, therefore agent was misleading and lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Chime Financial Inc
State: GA
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 XX/XX/2021 I contacted Chime in regards to a transaction in the amount of {$140.00} through the merchant XXXX XXXX XXXX  due to services/ goods not received. I was initially advised that I my case would be resolved within 30 days. However, upon reaching out to Chime on XX/XX/2021, the 70th day, I continued to receive automated responses regarding my claim with no attempt to resolve. On, XX/XX/2021 Chime contacted me stating the dispute had been denied due to no error on my card which was no relation to the nature of my dispute. They advised me that I could resubmit my dispute and wait 45 days for a decision. I am truly disappointed in the service received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Manhattan Beach Venture, LLC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
They said i went XXXX XXXX  something, i never did I never ask for a loan because my situation is i didn't even finish XXXX grade last time was XXXX  at XXXX XXXX high i summit all paper work year after year now they did they never got nothing Im homeless I don't have any of my record is been more than 7 year me trying to clear this but they never give me a result my signature doesn't even come closely to mine

Company response to consumer: Untimely response
Consumer complaint received 2021-08-30
Company: OneMain Finance Corporation
State: CA
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:
I have sent letters to dispute items on my consumer report to XXXX, XXXX, AND XXXX, the investigation took well over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have sent letters to dispute items on my consumer report to XXXX, XXXX, AND XXXX, the investigation took well over 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2016-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I requested transition to review my XXXX XXXX loan for missing payments ; however my credit score dropped by XXXX points because instead of reviewing the accuracy of the payment history they flat out removed my XXXX XXXX auto loan from their records in error. I called XXXX XXXX to attempt to see if they are reporting to all XXXX bureaus and they stated they are and that this is an issue with transunion

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 2016-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
THESE ACCOUNTS REPORTING ON MY CREDIT REPORT HAVE NOT BEEN VALIDATED. FOR A FINAL TIME BEFORE I SEEK LITIGATION WITH MONETARY COMPENSATION, I AM HEREBY OFFICIALLY REQUESTING THE ORIGINAL CONTRACTS ( For Inspection ) including ALL pages WITH MY ORIGINAL SIGNATURE ( no copies ) and also provide an affidavit certifying that you did not breach any federal state contractual, commercial or consumer laws in carrying out the alleged contract and associated transaction. Also provide a transaction history with dates and details of payments. Finally, certify that you did not unlawfully use my signature to materially alter, falsify, or endorse any contract bearing my name or signature INTO A SECURITY, in order to convert my contract into assets, or gain assets from a third party. You MUST certify and prove that you are an actual LENDER as defined by law. You are bound by law to provide this information upon request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act and FCRA. XXXX - XXXX & XXXX XXXX - XXXX. REMOVE ALL INCOMPLETE/INACCURATE ACCOUNTS 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
Consumer complaint received 2017-02-10
Company: Bread Financial Holdings, Inc.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
A GUY NAMED XXXX XXXX CALLED MY CELLPHONE AND THEN CALLED ME HERE AT WORK. HE SAID THAT VICTORIA SECRET A CREDIT CARD THAT I HAD IN 2014 HAD FILED A LAWSUIT ON ME FOR THE DEBT AND I ACTUALLY FILED BANKRUPTCY ON THE DEBT. HE STARTED HOLLERING AT ME AND THREATING ME SAYING HE WAS GOING TO HAVE ME FIRED AND ARRESTED AND HE WAS HAVING THE POLICE COME TO MY WORKPLACE TO SERVE ME COURT PAPERS. I TOLD HIM I WASNT SIGNING ANYTHING BECAUSE I HAD FILED BANKRUPTCY ON THE DEBT. THEN HE STARTING THREATING ME AGAIN AND HOLLERING SO I HUNG UP ON HIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BARCLAYS BANK DELAWARE
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently had a very frustrating and extremely damaging experience with Barclays Bank Credit Reporting affiliated with Miles and More Barclays Card. I feel that I am owed the quick removal of the unjustified derogatory credit reporting information to restore my flawless payment history and loss of XXXX FICA points. On XX/XX/2021, I received an email notification from XXXX that my XXXXredit score had dropped XXXX points. Startled, I log in to find out what had happened. After looking through the reports I found Barclays Delaware had reported that my Miles and More card was over 30 days past due. Given that I have this payment setup automatically, I thought this was impossible. You can review my payment record and verify all payments have been delivered on time until XX/XX/2021 when the automatic payment failed. I immediately went online and brought the account current. Communication is a two way process. My issue is that despite being signed up for full automatic email notification as my preferred communication channel, Barclays did not notify me timely about the first missed payment in XXXX. Had Barclays notified me timely that there was a problem with the automatic payment in XXXX, I could have quickly made a payment and restored the automatic payment function and avoided the same issue in XXXX leading to the derogatory report and loss of XXXX FICA points. Moreover, Barclays can see that my payment record is flawless except for your unnecessary report. I called three different dispute numbers listed on the Barclays website and my card. All these numbers connected my to telephone agents in the XXXX who could not assist me except to advise I mail a complaint. I did send a complaint letter on XX/XX/2021 certified return receipt. I attempted to follow-up through several XXXX numbers but no one had any updates nor could they tell me who to call to get an update. Again, the Barclay Help calls were directed to agents in the XXXX who had absolutely no information nor latitude to assist me.

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 2020-04-02
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I authorize these credit inquiries.

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 2022-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX During The Evening It Was Brought To My Attention That Suspicious Transactions Were Made On My Bank Account That I Wasnt Made Aware Of Or Know Of

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor did I authorize these credit inquiries.

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 2016-09-15
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a phone debt in XX/XX/XXXX from XXXX XXXX. XXXX called and told me that I had a debt in my name and that I needed to pay it off in a month. The balance was satisfied on XX/XX/XXXX. I called XXXX and they said they have forwarded the debt to Jefferson Capital Systems and now there is a duplicate collection placed on the credit report on XX/XX/XXXX - a year after the fact which is double dinging me and causing the FICO score to be hindered. I have spoke to Jefferson and they provided the same account information as XXXX and XXXX. This is not a valid collection for Jefferson.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: WELLS FARGO & COMPANY
State: KS
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Wells Fargo Student Loan reported for 4 years that the amount due monthly on XXXX different loans was : 1. {$11000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
2. {$17000.00} per month, paid monthly for 176 months = {>= $1,000,000}. 
3. {$2200.00} per month, paid monthly for 56 months = {$120000.00} Add all these loans the total debt Wells Fargo reported to credit bureaus is {>= $1,000,000} due. 
They have reported this to all XXXX credit bureaus for the past 4 years, causing my debt to income ration to be over 5000 %. Furthermore this is not accurate and there is NO student loan over XXXX dollars, especially not for the XXXX College I attended. I have disputed this inaccuracy for 4 years with the credit bureaus and Wells Fargo ; neither party has corrected the credit file. To add insult to injury XXXX of these loans are not mine, which is proven by the forged Master Promissory Note, and the second Master Promissory Note is not signed, Wells Fargo mailed these documents to me XX/XX/XXXX. 

Throughout the years as I have disputed the accuracy Wells Fargo has changed dates repeatedly and or re-aged the debt. Also on XXXX they deleted the terms but left XXXX and XXXX the same both still reporting over XXXX debt. Or the date updated will change if if they was no actual change to the date. 

XX/XX/XXXX Wells Fargo sent me a XXXX Cancellation of Debt -Decision to Discontinue Collection. However these accounts still show on my credit report. I called them XX/XX/XXXX and requested they delete the accounts now that I have to take the matter up with the IRS, XXXX the account manager refused and said they have been reported correctly, however they did not review all the disputes I have sent over the years. 
This has negatively affected my ability to obtain credit, buy a house and has been very XXXX. I have been forced to pay higher interest rates. Wells Fargo wrote this loan off and I am sure deducted in their business taxes, they should not be allowed to report inaccurate information and now claim double jeopardy by getting a business write off and continue to affect my credit worthiness.

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