BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05
Company: Uber Technologies Inc.
State: MD
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
Did you know that Uber offers the option to lease cars to its drivers? Drivers who are often financially desperate and fiscally uninformed individuals and who are often new to this country. And the fees that Uber and its affiliate are charging to lease these vehicles are predatory. I mean the monthly equivalent of {$610.00} to lease a Toyota Corolla ( 156 payments at {$140.00} per week )? Seriously? This is absolutely predatory! And I 'm afraid that people are doing it because they fail to realize that they may qualify for much cheaper leasing options elsewhere and they do n't realize how much they are actually paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am trying to get a tax lien removed from my credit report. This tax lien is on all XXXX of my credit reports. It is paid in full.

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 2016-01-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
same as i have been trying to get worked out, ex wife is upset over her having to pay me child support so her way of getting back is using my info to try and ruin my credit. STOP LETTING IT HAPPEN. 


XXXX Account Number XXXX -- -- -reports late thought its been years since this happened XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- -- -- -reports late though its been years since this happened XXXX XXXX Account Number XXXX -- -- -- limit is XXXX XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years go XXXX XXXX XXXX XXXX Account Number XXXX -- -- reporting lates from years ago XXXX XXXX Account Number XXXX -- -- -- lates from years ago Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Unknown all of the payment statuses on these are PAID IN FULL XXXX Account Number XXXX -- -- -- -- - no balance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received a hard credit inquiry on my Experian Credit Report from a Payday Loan company called " XXXX XXXX '' and I did not apply for a loan with this company. I called the company to report the fraudulent credit inquiry and have not received any response in over 24 hours. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. I am not the first person to report this type of fraudulent activity from this company as I 've seen other complaints online ( and XXXX that was resolved on this site ) 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 2017-02-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently pulled my credit report and found that Experian reported wrong information into my report. 
I am requesting that these accounts must be assessed 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 2022-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX OF 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2022-11-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX OF 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We applied to Refi our current loan with Chase bank. So we can get a better interest rate. They told us we where approved, took our good faith money, and we even got our home appraised. They kept dragging the process on for about two months. I kept calling about every other day trying to find out what was going on. I finally I got a hold our loan officer, and she told us we were denied because my wife switched from XXXX and because she was receiving checks from a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/22 I needed to pay some utility bills online as well as other things and to be safe I went to XXXX and loaded {$500.00} cash onto a Netspend/PayPal prepaid card. A {$5.00} fee was charged leaving {$490.00} on the card. I then activated the card and tried to pay the bill, it was declined. I proceeded to register the card online and they asked for documents to verify my identity. They asked for ID and a utility bill. I provided the documents asap and shortly after they responded saying my account was fully ready to use. I try again to pay a bill/shop and they blocked my online acces and ask for the same documents again. Their response email said they respond within 6 business hours. They did not respond until XX/XX/22 saying the documents had to be in color. I re-sent the documents within the hour and they replied again that they will respond within 6 business hours. They still have not responded or unlocked the account. I am now late with the bills I needed to pay and they have stolen {$500.00} from 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 2021-08-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  - PAY TO DELETE ARRANGMENT - BUREAU WILL NOT REMOVER PER ATTACHED LETTER. LETTER HAS BEEN NOTARIZED FOR COURT PROCEEDINGS. DISPUTE WAS SENT BY CERTIFIED MAIL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Paypal Holdings, Inc
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Inquiries from Paypal Credit was placed on my credit reports ( XXXX, XXXX and XXXX ) and it was not authorized by me. I believe this to be fraudulent and I wish this inquiry to be removed from all three credit reports. The dates of these unauthorized inquiries are as follows : XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX/XXXX/2015

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'd like to remove permanently my fraud alert and consumer statement, so creditor cam view 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 non-monetary relief
Consumer complaint received 2016-05-20
Company: Platinum Holdings Group, LLC
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I took out a loan with XXXX XXXX. I am now being contacted by Worldwide Recovery XXXX, and they will not tell me the original amount of the loan. I have also received an email, with no contact information, regarding this loan at a different amount. When the agent from Worldwide Recovery called, after promising to send an email with the information, he was yelling at me about " The games I want to play ''. The letter that was finally emailed to me clearly states the date and payment method, with the due date. I informed him I would follow the instructions of the letter, and he told me that he had to collect a credit card number immediately. When I told him I would be following the directions of the letter, he yelled that I " better '' and hung up the phone. This was the second time he hung up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting inaccurate info about XXXX XXXX. EXPERIAN REPORTS status as a past due amount of {$2600.00}. However, I have uploaded a copy of the deed in lieu of foreclosure document which clearly states the deed is in acceptance of any and all past due balance. They also report that we have a monthly payment of {$410.00}, and a recent balance of {$20000.00}. Last reported on XXXX. I asked them to investigate and followup with XXXX. According to XXXX, they no longer show the account active with no balance. Experian provided dispute findings as remains no change. They did n't even get an updated response from XXXX. XXXX XXXX clearly states deed accepted ias full satisfaction. I have been trying to get experian to correct this for over 60 days..

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 2016-03-21
Company: Dynamic Recovery Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To whom it may concern, Dynamic Recovery Solutions asserts that I owe a debt to XXXX XXXX when I never held an account with this telecom giant. They further assert that I owe {$2500.00}. I kindly asked them to stop harrassing me and to follow federal rules in this regard. They continue to ignore the rules. 

Prior to Dynamic Recovery Solutions, the alleged debt was being claimed by XXXX XXXX XXXX. I disputed the matter with all three credit reporting bureaus. However, rather than being taken off my credit reports as an erroneous matter, the issue was either sold or transferred to Dynamic Recovery Solutions. 

They list their mailing address as : XXXX XXXX XXXX, XXXX, SC XXXX. 

This erroneous claim is damaging and unfair to this consumer. I kindly request CFPB help resolve the matter, as the claim is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I recently applied for a repayment plan for my Direct Loans serviced by Nelnet. On the application, which must be done through the Federal Student Aid website, I was given the option to opt for the lowest payment plan regardless of applying for an IDR ( income driven repayment plan ). I live by myself, pay all of my bills on my own, and have another XXXX in student loans with another loan servicer. In addition, I pay XXXX USD to the IRS. I asked Nelnet to look at another repayment plan or lower my monthly payment which begins next XXXX, but they have failed to respond back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I receive a call every morning at XXXX Monday thru Friday from a company listed as Convergent resources by my caller ID and shows the number calling to be XXXX. The call is a Robocall that does not identify themselves and says that this is a Debt collection and I owe a debt ( which they do not provide information as to what debt I owe ) and then provides a different contact phone number to call back with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This is not a Duplicate. 

I have tried to escalate this matter to Experian multiple times without success on XXXX XXXX. I have tried to get validation by the collection agent and received no response back from the collector. 

Tracking information : USPS Certified mail - XX/XX/XXXX - XXXX Certified mail - XX/XX/XXXX - XXXX have tried bringing this to Experian multiple times notifying them that the Collector agent did not validate this account within the XXXX required by the FDCPA and Experian repetitively delayed the process of removing this account ; responding that they performed researched and that " we verified that this item belongs to you '' Tracking information for ExperianXX/XX/XXXX - XXXXXX/XX/XXXX - XXXXXX/XX/XXXX - XXXXThis account showed up on my credit report on XX/XX/XXXX for a balance of {$670.00}. Experian mailed me a few reports which state the repetitive response that Experian verified this account to be a collection from XXXX XXXX XXXX for a Rental/Leasing named " XXXX on XXXX XXXX ''. During this time period, I was living at XXXX XXXX XXXX up until XX/XX/XXXX. How could there be a collection for another rental/leasing and for a different amount while I was living at another location in XXXX XXXX XXXX? I have a copy of my lease which I 'm attaching. Experian allege investigation only verify my name, and information which is already on my credit report provided by the collector. 

Again, I have contacted the Collection Agent and did not receive any validation nor respond and the report on XX/XX/XXXX states that this is from another rental/leasing company. On XXXX, when I return my apartment I did a final walkthrough with the property management named XXXX, and there were no damages to the apartment and the apartment was returned in good standing and no money was owed. Also my monthly rent was not {$670.00}. 

This account does not belong to me. I have not received any validation from the collection agent, and this is mistakenly on my credit report. I 'm demanding that this be removed from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
My credit report has been ok with no late payment until just recently with XXXX XXXX ( XXXX XXXX Reporting wrongly on my report. I have asked XXXX XXXX to remove Late Payment Reporting on my Report. Upon talking to XXXX XXXX they claimed they have sent a letter to XXXX. Experian to remove, till date nothing has been done. XXXX has not only been evasive over my report, nor have they corrected or prevent this wrong information. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) This should not be happening. I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish and insist you comply with the law by providing correction of the information within the 5 days to avoid sue.

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 2022-11-07
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am filing another complaintsince you failed to resolve this issue regarding my previous complaint. In your response, you said that you sent adocument to my address but I never got anything like a debt validation letter. I am not sure who and where you sent it to but I never got what I have been asking you, and to be clear, I am NOT REQUESTINGFOR A VERIFICATION NOR JUST AN ITEMIZATION, but DEBT VALIDATION LETTER. This time to make it easier for both parties. I want you to attach the debt validation letter to your response to this complaint, this way the CFPB will also see that you really are doing your part infulfilling my request. I assume that since you claim to have sent it alreadyto me, it won'tbe an issue to send a copy through CFPB. right? You only have within 7 days to complete this request, failingthat, you need to clear my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Response from XXXX XXXX XXXX XXXX, 2015 I have not and do not abandon my property. 
I am still in dispute with XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates, remove lien, stop harassing us, cease and desist. 
I do not agree to pay any legal fees. 
I have never paid XXXX XXXX at any time stemming from this invalid loan and servicing that is not in good standing. Statements from XXXX XXXX never included XXXX XXXX name. This is my home. My XXXX adopted children will not be on the street for their greedy scams. We are victims of XXXX, Robo signing, Falsehood, XXXX, force -placed insurance, and other violations. 
I have estimates up to {$48000.00} to get the roof put on right. I have a {$140000.00} estimate to have my foundation under floors fix right. Plus all other maintenance and problems. Nothing in here is grade A materials, but by or blood, sweat and money, we made it a home for our children. You show paperwork, we did not sign. Harassment phone calls and drive by people harassing, sitting out by the yard, and then knocking on my door talking about they walking around the house for XXXX XXXX. Stop harassing us, cease and desist. 

cc : XXXX XXXX XXXX XXXX XXXX XXXX, Bank of America, XXXX XXXX, XXXX XXXX XXXX and all other associates ; Included : * Consumer Financial Protection Bureau case # 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Dispute Letters to XXXX XXXX XXXX , XXXX. 
*Dispute Letters *Estimate *XXXX XXXX Letter XXXX XXXX Statements * More available Documents Upon Requests ( Including, Independent Review and Forensic Audit ) Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I noticed I had a negative item on my report, filed a dispute and it was removed. I was told to check all reports and realized there were negative items on all reports. I was denied credit due to negative marks. I 've spent money on numerous credit sited trying to get in contact with XXXX and Experian to get dispute items and also fix my date of birth. I ca n't even see reports or talk to someone that knows whats going on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief