BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-02
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 act XXXX XXXXXXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 2020-04-06
Company: Revenue Enterprises, LLC
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received collections letters & phone calls from Revenue Enterprises regarding debt that was already paid for by my health insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: EQUIFAX, 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:
I've sent in information in XXXX and waited for a reply. I should have had some kind of tracking with it because the company never replied. I'm am simply trying to resolve some issues with my credit report. They are addresses I never lived at, names I don't go by, and misspelling etc, with never accounts they I don't recall opening and that flat out are not mine. I had some documentation from Equifax showing that I was a victim of the data breach that they had a while back so I'm sure that where most of this stems from. I've reattached the information in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX was paid off and the last toolbox was voluntary return and the gentleman took all my tools that I had already paid for on previous account that was paid for

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Eastern Account Systems of Connecticut, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a Collections letter from Eastern Account System of Connecticut , INC . for Creditor XXXX  XXXX.The letter was for a past due account payment in the amount of {$76.00}. I responded to XXXX XXXX and Eastern Account System of Connecticut with written correspondance attached to this document sent via USPS. No response from the above named participants have been sent to me. 

On XX/XX/XXXX a credit service notified me of a collection account being attached to my credit report by Eastern Account Systems of Connecticut reducing my credit score by XXXX. 

To highlight the letters attached : The account in question was closed on XX/XX/XXXX and payment rendered on XX/XX/XXXX in the amount of {$66.00} for the month of XXXX. 

On XX/XX/XXXX the modem was returned by verfied XXXX deliver to XXXX XXXX. 

The past due date letter XX/XX/XXXX is way past the termination of the account. 

Please assist, thank you so much

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Credit Bureaus are not reporting monthly credit card payments on time. Payments are not reflecting on credit reports.

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 2018-06-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
**This is my 3rd time submitting this information. I received a confirmation email, however when I log in it shows that I have no complaints. 

I did not authorize XXXX XXXX XXXX to pull my credit. I never signed an application. I reported this to Experian because they are who I have credit monitoring through and to XXXX XXXX. I was told by Experian that I need to contact the creditor which I did but to no avail. There are two credit pulls from them. 

I noticed there is a XXXX XXXX inquiry on my report from 2017. I NEVER authorized a credit pull. Period. I have reached out to both Experian and XXXX XXXX but have gotten nowhere. 

XXXX pulled my credit twice without my authorization. It was only supposed to be pulled once but it shows a pull on 2 separate days. I contacted Experian and again was told I needed to contact the creditor. Did so but have not heard back concerning this issue.

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 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion is currently reporting XXXX accounts for XXXX XXXX XXXX that the company agreed to delete. I filed a complaint with Transunion and they have not responded to my dispute. i have also disputed with the company and they are unable to verify or provide any proof that these accounts are mine. i did not open these accounts

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 2015-04-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015. The amount XXXX XXXX is reporting is incorrect {$1000.00} is totally ridicules, I have never owed that amount.. 
i sent this complain to XXXX and XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-04
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX on account numbers # XXXX, XXXX and XXXX have responded in sync with Experian stating that they investigated my last CFPB complaint and found all reporting to be accurate. The findings were false and clearly not even accurately looked into. It seems to be that both companies simply just stated all was correct to advoid actually looking into and addressing the incorrect reporting. 

A simple example of this is attached here to with the photo of my Credit report showing the automotive credit tradeline. As you can see the status and balance were updated XXXX of XXXX, however when looking at the month of XXXX its stating that the payment was 60 days late.. how can some thing updated in XXXX say that the month of XXXX is 60 days late? In fact it was not late in fact none of the payments have been late. Furthermore we are in XXXX and they havent reported for XXXX, XXXX, XXXX or XXXX despite payments now being made for all months though XXXX, cause we are actually paid ahead and in no way late ever on these accounts. 

XXXX XXXX and Experian have been Falsely and fraudulently reporting incorrectly and causing me harm to my credit profile and borrowing ability cause of their total neglect for accuracy

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 2016-03-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
First, we tried to resolve the subject dispute with citicards, the credit card issuer for several months, and could not resolve the issue. 
Briefly, we are disputing a charge on our credit card for a purchase where we did not receive the services we purchased. 
We have provided our explanation and related documents to show how the services we purchased were not provided by the merchant, to citicards, during the course of the dispute process. 
Unfortunately, citicards refused to direct our complaints and documents to the relevant merchant and demand an explanation from the merchant regarding our claim. Or, if citicards indeed have communicated with the merchant regarding this complaint, they have failed to provide that communication to us. 
The issue here is that : Does a credit card issuer such as citicards, have a fiduciary duty to ensure that the charges on a cardholder 's account are legitimate and products and services purchased using their credit cards are actually provided. And, what are the responsibilities that a credit card issuer has when a charge becomes illegitimate and products and services are not provided by the relevant merchant?

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 2016-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had a debt from XXXX XXXX Bank and XXXX credit purchased it as a collection account. I was taken to the local XXXX by XXXX, and he ruled in their favor, but not for the {$1500.00} that they stated that i owe. I only owe just over {$1100.00}, the amount the XXXX granted them. I sent the dispute to Transunion to correct, with all the proof necessary to correct it, and I recieved paperwork back saying it would n't be removed until 2021. I need your help in getting this removed as being incorrect. I will send any necessary paperwork you need.

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 2021-09-29
Company: American Credit Acceptance, LLC
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I contacted Chase to find out how to make a final payment on my home equity line of credit ( HELOC ) loan to pay it off. I was given mis-information ( told I could only get the info and complete the transaction via US postal mail or by going to a physical branch location - which XXXX, MA does not have ), was placed on hold for extended periods of time, spent literally hours on the phone with Chase personnel over the course of 4 days. All I wanted to to do was pay off my loan. It seemed that none of the " front line '' people could provide accurate, reliable information about how to do this. It also seemed to be a process purposefully designed to be inconvenient and difficult with the intent to dissuade people from paying off their loan. It turned out, once I complained more forcefully and mentioned contacting the Consumer Financial Protection Bureau, I was transferred to a supervisor and told that they can take payment via telephone ( with electronic transfer - as I have been making on a monthly basis for the last 10 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.

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 2021-09-29
Company: First Direct Mediation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Plain green! 
First direct mediation has threatened me and even called my mother speaking about debt that I owe. They threatened that I did fraud. NEVER in my life did I commit. They threatened me that they have all my information and he couldve done something. He was very rude! When I asked for proof they told me they couldnt it wouldve take to long. Called me three times in less than a hour time frame. Even was told he was an attorney and rushing me to provide my payment information!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: IA
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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently file a complaint with Equifax about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Equifax permission to report anything on me? I need answers now!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Nelnet, Inc.
State: MO
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 am a XXXX in XXXX. I have applied for XXXX Loan forgiveness from Nelnet. 2 months ago I received a letter stating I was being turned down because the name of my XXXX was written in the wrong way. I filled out the form again and included a letter from my former principal stating that I was highly qualified XXXX fulfilling all of the requirements for XXXX loan forgiveness. I just received a second letter saying that I need to fill out the forms again because a supervisor 's title is cut off, a date is not written clearly enough, and that a supervisor signature is by stamp. I have been told by XXXX at my school that this process takes at least four months because Nelnet comes up with different reasons for several months just in order to be able to continue charging us. Some teachers are being rebuffed if they fill out service of more than 5 years, because Nelnet only wants 5 years noted on the TLF application. This is ridiculous! I know they 're intending to give me the loan forgiveness, because they have already put my account into forbearance. I am a hard-working XXXX and according to the law I deserve this XXXX loan forgiveness. What Nelnet is doing is against the spirit of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Checkr has taken longer then 30 days to process my background checks for XXXX XX/XX/2021 XXXX XXXX  MST and XXXX. XX/XX/2021 XXXX XXXX  MST. XXXX has already exceeded 30 days and is in violation of the FCRA. XXXX shows a estimated completion date that exceeds 30 days and will be in violation of the FCRA. They blame COVID-19, however, that does not excuse Checkr from the law. I have emailed multiple times and only get automated or canned responses. Checkr intentionally, willfully, and with malice disregards the rights of consumers afforded under federal law. This has been an issue not only for me, but for tens of thousands of others. I request under law any and all applicable financial compensation that I am legally entitled to, due to Checkr 's negligence and willful violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: APR or interest rate

Complaint:
My account statement for a Chase Credit Card was due on XXXX XXXX in the amount of {$1700.00}. I processed the payment in full on XXXX XXXX XXXX day prior to the due date in the amount of {$1700.00}. The back of the statement states and I quote " If you pay your account in FULL each billing period by the due date and time due, NO INTEREST is charged on new purchases month to month ''. I call this evening and question why when I paid my account balance in full per my last statement was I charged {$25.00} interest. I was told that is the interest due from the XXXX of the month until such time I paid my balance on the XXXX. That is contradictory to the information listed on the back of their statement. He then proceeds to tell me that if I pay the new balance in full with the interest charge by the due date I will not be charged any further interest. That is exactly what I did last month but yet am charged interest. I am forwarding this information to legal counsel as well as it appears there is " double dipping '' occurring and they feel the consumer wo n't questions this. If a statement balance is paid in full by the due date it is paid in full. At this rate you would never pay the card off as they would continue to generate interest monthly unless you overpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: SERVICE 1ST MORTGAGE, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Service 1st mortgage claims to help veterans but what they actually are doing is ripping them off with outrageous fees. They also solicit borrowers within 3 months of closing on a refinance to try and refinance again. ( Churning ) Also they have individuals who work on loan files with private information ( credit report, income documentation and social security number ) The files are not stored in locked file cabinets and they are scattered everywhere and not stored away. Also Loan officers do n't sign any of the applications or any other documents pertaining to their loan that they originated. Employees are not paid overtime when they exceed XXXX hrs and no benefits with employees. This company is a compliance office dream! They should be shut down

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2018-06-29
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
My brother attempted to send me money using Paypal on XX/XX/2018, which we assumed would be free to send money between family and friends. However, I was charged a fee of 2.9 % of the amount plus a flat fee of {$0.00}. I asked my brother and he said he believed the money was sent using the friends and family option, and not the 'payment for goods and services ' which applies the fee. I called the company and they were not helpful in resolving the dispute. They suggested to send the money back to my brother, in effect reversing the transaction. But, they would not reverse 100 % of the fees they charged on the transfer, even if we reversed it. It seems hardly fair the company can retain part of the fee on a transaction that was reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-23
Company: General Motors Financial Company, Inc.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My lease is throu gh GM Financial. I t ook it out in  XXXX ,  XXXX . All payments have been made on time. At the end of  XXXX  i discovered a payment made on  XX/XX/XXXX  for  XX/XX/XXXX  due date was missing. I contacte d GM Financial an d they stated to fax in a copy of the cancelled check and remittance coupon which i did on  XX/XX/XXXX . I had n't heard back so on  XX/XX/XXXX  i called and was on hold for ove r 30  minutes. They said further research was required and would call me back. As  of 24 hou rs later I have n't heard back so I called again. As soon as i called the lady indicated rep yesterday was supposed to escalate this and she did n't so she will need to put me on hold and escalate this. I have {$75.00} in late fees that should be waived and I really hope this is not reported to my credit as late since i 've never made a late payment. I call them again and just put on hold. They cashed the check the day they received it, but getting them to apply to my account is much more difficult. There was a remittance coupon attached which showed my account #.

Company response to consumer: Closed with explanation