BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: WI
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The issue is my student loans should already be paid off. Instead, I still have a {$37000.00} balance. 

The very first payment on all my student loans was set up wrong by AES. Ive requested information but have never received it. Ive requested an override but have never received it. AES is charging me 7.375 % and I should be paying between 1.75 % to 3.15 %. 

AES says my interest rate couldnt be dropped because I missed a payment. For 20 years my loan has been on auto draft and Ive not missed a payment. Online it shows I missed my very first payment. Ive asked AES to provide me documentation on this matter for over 10 years now and not once have they sent me any information. 

AES failed to set up my auto draft properly and is punishing me for it. Had my loans dropped to a lower interest rate my loans would be paid off at this point. Instead, I still owe over $ 30k of principal between 2 loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Illinois electric company has hired a debt collector " The Cbe Group Inc-former '' to attempt to collect {$1000.00} from me on a electric bill that is not mine. I am on the national do not call list and they call me at work even after I tell them they are breaking the law. I don't have this debt and it is innacurate. 

This has impacted my credit score and effected my personal and work life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: MS
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:
THEY HAVE TAKING WELL OVER 30 TO REMOVE THESE ITEMS THAT DO NOT BE LONG TO 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 2018-12-09
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Tried calling XXXX, Equifax and also XXXX to remove addresses that were not accurate on credit report. Was not allowed to remove said addresses. 

XXXX has an inaccurate previous address of XXXX XXXX XXXX XXXX La, XXXX. It also has the wrong current address. I have not lived there at any time. My current address is XXXX XXXX XXXX XXXX La, XXXX. XXXX XXXX   XXXX XXXX XXXX La, XXXX is my correct previous address. 

XXXX has an inaccurate previous address as XXXX XXXX XXXX XXXX La, XXXX. I have never lived at that residence. 

Equifax has two inaccurate previous addresses as XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX is also an inaccurate previous address. I have not lived at either addresses at any time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2021-05-11
Company: Avantus, LLC
State: CT
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 filed a dispute in regard 's to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results. The dispute was filed with XXXX, XXXX, and XXXX on the date of XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: HI
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 tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from XXXX, Equifax and XXXX to no avail. I have disputed on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX with Equifax and XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX with XXXX. I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and XXXX XXXX accounts for increases etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: U.S. BANCORP
State: SD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Purchased an XXXX puppy named XXXX on XX/XX/XXXX. {$1000.00} payment sent to XXXX XXXX at XXXX through US Bank XXXX. Transaction completed on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX. Puppy was to ship within 2 hours per website and XXXX XXXX. I contacted him several times and was told it takes time to process paperwork. My daughter called next morning at XXXX XXXX & spoke to XXXX. Told her the paperwork takes time, that I would hear from the shipper in a couple of hours. Three hours later I receive an email from XXXX XXXX XXXX XXXX XXXX XXXX with info puppy would be shipped at XXXX, arrive at XXXX. Delivered to my home. Received another email from them, requesting {$1400.00} for transport crate and I would be reimbursed when puppy was delivered. I thought they meant {$14.00} and sent another XXXX payment of {$14.00} to XXXX XXXX, XXXX email XXXX. They sent an email back stating the cost of the crate rental is {$1400.00} not {$14.00}. I emailed them back and told them the seller was responsible for shipping the puppy to me and to get the money from him. They responded back they would not ship the dog and did not refund my {$14.00}. At this time knew I had been scammed. Reported to US bank on XX/XX/XXXX. Did not hear back from bank. Met with a banker on XX/XX/XXXX and they will not refund my {$1000.00}. I want both web sites removed from internet and prosecuted to the fullest extent of the law : XXXX XXXX XXXX  & XXXX. The above information was sent to the Federal Trade Commision. 

Also, was told by a XXXX customer service representive, XXXX, who helped me set up the XXXX account I would be able to get my money back. I met with banker at US Bank, XXXX XXXX, on XX/XX/XXXX and was told I can not get my money back. The bank never made contact with me after I report the scam/fraud issue to them. I called a week later to insure my claim was being investigated and was told it was. I would have reported this sooner had the bank contacted me. Someone there dropped the ball. I never would have sent any money to anyone without assurance my {$1000.00} would be refunded to me if there were any problems. US Bank obviously supports the use of XXXX and should be held accountable to refund my {$1000.00}. Thank you very much for any help you can give me in recovering the money I was scammed out 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 monetary relief
Consumer complaint received 2017-06-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Bogus Late Fee Charges  from Navient Student l oan. The amount bellow is for a bogus late fee. I have never been late. I have always taken the appropriate measure to defer or be  on Income base. Navient is playing games alleging that this o ccurred in  XXXX . This i  s False!
Navient To view all information regarding this notification, log in to your Navient inbox.
here 's a snapshot of your monthly statement.
Total payment due : {$85.00} Due da  te :  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Securus J Holdings, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
So the previous complaint I filed with JPay. I received a call from a 800 number. And clearly they know that the phone companies block numbers that are scams likely. They are aware of this because this is one of the problems with them. So naturally I missed the call. XXXX from corporate leaves me yet another 800. Number to call her back on. In which is the customer service number that has no way of even contacting any one in corporate. The supervisor XXXX clearly told me there is nothing he can do and he has no way to contact them other then an email. XXXX XXXX also stated she would be five if me a call back this morning. It is XXXX no call. I have tried time and time again to contact them. I have played by all their rules. I have invested over XXXX with them. And I am not even able to communicate with them. But I guess that's what happens when the CEO is in federal prison for all of this,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: JPMORGAN CHASE & CO.
State: IL
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 is incorrect

Complaint:
In 2017 I deposited a check from a potential employer that turned out to be a bad check. I did not remove any funds from the my account after depositing the check and let Chase flag the check as insufficient. My issue is that even though I committed no crimes and took no money from the bad deposit, Chase has added my name to a registry of fraudsters/ or potential fraudsters. Every bank I have encountered since has flagged my account as high risk and potential fraud. Some have denied me an account, and I even had a bank hold my money for 30-60 days while they investigate me. I think it is unfair that chase can add my name to a list that prevents me from transacting without ever committing a crime. There is no accountability to them and they are able to keep my name in the registry indefinitely with no answers to me. They wont even provide the name of the registry that my name has been added to. This is violating my rights and prevents me from providing for my household.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
This submission is in response to a previously closed complaint  XXXX .   A loan modification was executed through a third party ( Hardest Hit Fund AKA Arizona Foreclosure Prevention ). Bank of America has refused to update my credit file according to the Fair Credit Reporting Act as late payments were reported while making payments during the program. Bank of America justification for derogatory reporting is that the modification was not completed within their business entity.     Intermittent address changes to my credit file without my explicit authorization or consent.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I previously filed several complaints, upon review and in attempt to see responses I discovered that PRIMARY CONSUMER on all of my my complaints is LISTED AS  XXXX   XXXX . This is my EX WIFE, we have been divorced and living apart for near ly 4 years.To my knowledge she has never been associated with or responsible for ANY of my credit accounts or credit arran gements to include my home mortgage. WHY and HOW is this name attached to or affiliated in any way to MY CREDIT? I have never co signed on any loan with her, I am the sole signature on ALL my credit accounts NOW IN THE PAST or DURING our marriage. To my knowledge she has NEVER signed, in association with, or party to my credit in any way. How again, and why is she listed as primary consumer on my complaint and her name attached to my credit in any way? This is a GRAVE and SERIOUS ERROR. My previous complaint regarding reporting my home mortgage as an installment loan, and not dropping credit inquiries as they expire and in a timely manor to my knowledge and belief, has not been resolved and result or response to my complaint has not been received or conveyed to 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 2023-07-25
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: EQUIFAX, INC.
State: GA
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:
I HAVE 0VER XXXX of open credit. i used XXXX on a credit card. Equifax dropped my credit score by 47 points. XXXX dropped it also but by 3 points. I wrote Equifax repeatedly and they think they can do anything they want as you do nothing to them. I want Equifax investigated. If you look at my score and how it has dropped over 40 points many times in the past year for virtually nothing you will see. my name XXXX XXXX. XXXX ... XXXX ... ... XXXX ... ... .I am sick of how Equifax seems to think they can do this to any of us.I give you permission to look at my report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: LA
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:
Looked at my report and seen inquires that does not belong to me. Please remove them before I contact my attorney.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-06-19
Company: Experian Information Solutions 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:
Inquiries were made without my consent please remove

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 2020-10-07
Company: Experian Information Solutions Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
Consumer Statement of Ongoing Dispute to Be Added to My File

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