BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.. I feel like I'm being taken advantage of and being ignored of my disputes.

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 2018-03-09
Company: EQUIFAX, 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:
I applied through XXXX XXXX ofXX/XX/XXXX for a personal loan. I understand XXXX XXXX shops for the best loan offer with outside Lenders. I received an email from XXXX and XXXX XXXX, letting me know I had been preapproved through XXXX XXXX and that XXXX and XXXX XXXX was ready to make an offer to me. I decided I did not want to go through with either loan, so I did not reply to any emails from XXXX or XXXX XXXX, which meant, I was not interested in moving forward with the approval. I noticed XXXX sent 7 emails to me, dated from XX/XX/XXXXto XX/XX/XXXX. It was on XX/XX/XXXX I noticed the email said I had been denied the loan. I then checked my credit report and noticed the hard pull from XXXX. I contacted XXXX and demanded the hard pull be removed from my credit file because I did not respond to their pre approval offer, offered to me on XX/XX/XXXX The representative apologized and began to ask me for my personal information in order to create a fraud ticket in his system. He then said it would take 30 days to resolve the issue. I told him I did not have 30 days to wait. He continued to ask for personal information but I chose not to give my information and informed him I would submit the complaint a different way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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: Account status incorrect

Complaint:
In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I mailed a Multiple  Inquiry Removal Letter by mail in order to dispute information, in regards to 7 har d inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted includ ed 7 H ard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigate d and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2021-12-14
Company: JPMORGAN CHASE & CO.
State: HI
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 first informed Chase on XX/XX/XXXX that I noticed a derogatory account ( ending in XXXX ) in my credit report at XXXX and that this was a fraud account and that I did not create that account. I also told Chase that it was listed under my name and ssn but the address was one I never had or used. Someone had stolen my name and ssn and used it to create the account. Chase sent me letters on XX/XX/XXXX, XXXX saying that I was responsible for the account and that the account was reported accurately. They also sent the same letters to the 3 major credit bureaus and XXXX. The only reason they gave for their determination that the account was accurate was that they had " correspondence showing '' I knew of the account. In their XX/XX/XXXX letter they said that " I accepted responsibility for the account ''. I categorically denied any involvement with the account and wrote letters to Chase requesting documents ( of transactions made, the application for the account, and other written documents related to the account ). They have not given me any documents related to the account. I requested those documents because I did not receive any written documentation of that account because Chase had apparently sent those to the false address and not to me. I called Chase on XX/XX/XXXX and at that date Chase still had the false address on that account as being my current address! I corrected them but since then they have not acknowledged that they used this false address for communication about this account. In fact, they have continued to insist that the account is accurate ( letter dated XX/XX/XXXX ). The false address listed on the account was : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In Chase 's letters sent to me and to the credit bureaus, they said " we confirmed that your account is valid and reporting accurately ''. This false statement to the credit reporting agencies is a violation of the FCRA which protects consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
We have a business checking accou nt in Chase.  A wire of  XXXX  dollars was sent to ou r Chase acc ount back to  XXXX   XXXX . We only get credit of  XXXX  dollars. Th en Chase ch arge us  XXXX  dollars wire fee from this  XXXX . So  XXXX  dollars was gone before wire came in our account.   Has been talking wit h Chase for 5 months. Chase  refused to provide information about how this charge occurred and how it was calculated? No answer why it is not on the service charge list if it is  Chase took th e money.   By back and forth betwee n Chase a nd the  XXXX  bank,  Chase a dmits that the wire came  in Chase  in  XXXX  dollars, and they deduct  XXXX  dollars before credit my account. But they refused to provide information about why this  XXXX  dollars be charged before coming in my account.   Since the  XXXX  dollars was deducted before it came in our account, it is different with they charge from our account as the fee we knew  XXXX  dollars.   How could someone took our money without our authorization?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Issue: Other

Complaint:
I was interested in the B ank of America credit card, and I decided to give their nearest bran ch a call to discuss its details and if I would be approved based on my information. On the phone, I gave the agent  my credit score,   my future salary with an accepted job offer, my current debt from student loans, and any other important information. He told me I should come into the branch to further discuss this. I went into the branch, and I was told that based on that information, I would 100 % be approved for a card that BoA offered. My main concern with applying here was that I could be denied, and I had previously applied for a card and been denied, in part to medical bills that I have since paid off, and I was now in a better position to apply for a credit card with a more favorable credit report. The agent assured me that I would be accepted for a card, and he submitted an application on my behalf, under the assumption that there was no chance I could be denied.     Well, the next da y I went in to the branch, and I was told I was denied. I spoke with the branch  manager,  and I was told that this was not how agents should be dealing clients, and he opened up a claim for me. Less than a week later, I received an email that the claim was closed, and after calling, I was told they closed it and said there is no chance I could have the hard inquiry removed, even though I was misled into applying for this card by the rep that assured me there was no chance for being denied. I am reaching out to the CFPB to see the unethical behavior BoA exhibited with misleading me , and I hope t o have the inquiry removed from my 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 explanation
Consumer complaint received 2021-12-14
Company: Sezzle Inc.
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:
I had used a company named Sezzle for purchases and made payments back to this company then I get notification from XXXX XXXX I had a late payment to sezzle I filed a dispute with XXXX. I also emailed Sezzle and provided XXXX my payment history. They took it off my credit report next its reported again so I filed another dispute for XXXX and XXXX they found it was misreported and took it off. I paid off the remainder of the loan. I emailed with Sezzle customer care and they stated someone else used my email and the account belonged to someone else and I asked it be closed> So on XXXX I get a letter from XXXX stating i am 120 days past due and then it shows paid in full. I have never been deliquent on this loan and I also filed a police report I have been an identity theft victim in the past so I think the other persons account may have been reported on my old sezzle account this account is paid in full. I called XXXX on XXXX at XXXX est and filed another dispute on this matter. I am filing a complaint to get this off my credit I always paid this company and then paid it off in full. I try to call Sezzle with no luck and yet again sent another email to them regarding them misreporting on my credit report. I also made another police report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I obtained a copy of my credit report from  XXXX  and found negative accounts that should have been removed from my report permanently within  XXXX  days upon completion of the student loan rehabilitation program. I successfully completed the program in  XXXX  of  XXXX . I spoke with multiple associates from Navient on multiple dates receiving misinformation that I would be mailed a letter from them stating that Navient no longer carries my student loan debt, as my debt was transferred over   XXXX    years ago, and that they would write the credit department and have the negative accounts removed from my credit report. I was even told that the debt removal would be reflected on my credit report by the beginning of  XXXX ,  XXXX  at the very latest, and after the  XXXX  phone call, that I would be getting an e-mail of this to fast-track the process. The U.S.  Dept. of Education su ccessfully removed the negative accounts on their end. After a duratio n of over  XXXX   months of repeatedly calling and receiving this same information, this never happened. Upon finally speaking with a supervisor, I was told that  Navient would not remove my negative credit remarks at all and that I should have wrote a letter to Navient    XXXX   months ago to dispute this. None of this information was given by their employees by t he   XXXX   previous len gthly phone calls. According to sect ion 674.39 of the CFR, Navient must re move all of my negative accounts since I completed the rehabilitation program and it has been way passed   XXXX    days since completion. My  XXXX  phone call with one of Navient 's associates was back in  XXXX  of  XXXX , though this is the  XXXX  phone call I did not write down the name and employee ID for. All other dates, names, and employee ID 's of my phone calls are as follows :  - XX/XX/XXXX ,   XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX  ,  XXXX ,  XXXX  - XX/XX/XXXX ,  XXXX  ,  XXXX   XXXX ,  XXXX ,  XXXX  - XX/XX/XXXX ,   XXXX    XXXX  I am requesting that these items be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am receiving a notice from TSI XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA, XXXX, XXXX. 

The notice claims I owe {$150.00} to XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, CT, XXXX. I have never been to XXXX XXXX. I have called numerous times and been unable to have them correct this error. Most recent bill is dated XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I tried to get a loan fr om Ace Cash Express a nd was told I had to give {$200.00} to start the loan process, and I gave it, then I was t old I needed to give {$400.00} for insurance purposes because I have poor credit, and to send it to a person located in the bank department, and I did along with {$25.00} for  XXXX , they got it a man named  XXXX   XXXX  was in charge, and he received it, now we are talking {$620.00} before I even get the loan. Now  XXXX   XXXX  says he wants another {$470.00} for a sponsor because of my poor credit!! I refused and said I just want my {$620.00} back and forget the loan ( this has been going on  for 5 w eeks now ) and now the chase is on for my money back,  XXXX   XXXX  has not answered my repeated phone calls and texts all I want is my {$620.00} back please help me thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2017-02-28
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am currently paying a Parent Loan to Navient. The original consolidated loan was {$44000.00} and I started repayment on XX/XX/XXXX. In XXXX of this year I will have paid {$41000.00} ( 120 months ). I originally started with XXXX with a standard loan. Then I had a second servicer. I remember at that point that my last payment would be made sometime in XXXX. Navient is now my new servicer and when I went to look at the terms of the loan on their website, It shows that my last payment is in XXXX. If I pay XXXX a month til XXXX I will have paid over {$90000.00}. for this loan. That does not sound right. I have tried to reach out to Navient twice but they keep telling me this is correct. Please let me know if this is right. I have never missed a payment in the ten years. I thought I was paying a standard ten year loan. Now the loan term has more than doubled. Thank you for your help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
Company: EQUIFAX, 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:
I have disputed this before and still it shows on my credit reports. This is not mine, I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: TX
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 US DEPT OF ED/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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The following XXXX accounts were not properly investigated by this reporting agency and they remain inaccurate and illegally reported to my file. XXXX XXXX # XXXX and XXXX XXXX # XXXX were not properly investigated and I was not given ANY proof or evidence of any reinvestigation that resulted in these items being verified. They are not verifiable and are still inaccurate and contain incorrect information within the reporting. The agency should not be allowed to report them to my file as the inaccuracies are affecting me financially. I requested absolutely any evidence to be shared with me regarding their investigative duties and i fear that nothing was ever done to properly verify these items because they remain incorrect and i still have not received any documentation or procedures to show any sign of a reinvestigation. I have contacted the furnishers and they have assured me that no one has contacted them to conduct a reinvestigation on the accuracy or completeness of these XXXX accounts. i have spent so much money corresponding with them via certified mail and they continue to give me no answer and no proof. please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-20
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:
The facts : I applied for a form of credit through a Matress company. I was approved for around {$4000.00} then I decided to shop around further for the best deal for me. I found another vendor with better pricing so I informed them of my approval with XXXX and they said they accepted them and could move my approval to them. The owner attempted to move the original approval. A code was sent to my phone to verify my identity and he said it had been done. He called and talked to the company on the phone in front of me as thats what needed to happen and they went through the process with him so he did his part. Then I get the lease information and an email saying I had a certain amount of credit left and that I could make an additional purchase. The credit was way less than my original approval so I chatted with XXXX  customer service and the lady stated she was a supervisor and attempted to disconnect because she said I was rude. I was direct and professional. She stayed on and continued to not help but tell me company policy and would not escalate my concern to management. I told her I wanted to undo everything and return the product and she said that it would report as repossessed property on my credit report. I still have the mattress and have until XX/XX/2020 to exercise my 90 day payoff and Im waiting until that time to complete the payoff as thats the full 90 days. Its being reported on my credit report for some huge amount thats not the original purchase amount of XXXX plus tax. They need to be fined and reprimanded for the service they are providing. They also did a second pull on my credit report, it was a soft pull but I did not authorize a second pull period. So at what point does a company take responsibility and follow set standards and regulations and hold their employees accountable for not doing their job correctly. I want a positive resolution for both parties and want to be treated with respect and to be heard. I disputed this and Im guessing since they are a partner vendor with Experian they didnt make XXXX change anything. Because the item was updated the only change was to show my good payment history for the next month.

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