BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: MO
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:
Experian has this service that can increase your credit score if you link your bank account to show payment history for utility bills. I recently filed for bankruptcy and have no debt. While checking my credit report on Experian 's website I discovered that Experian is misleading it's customer when it markets its " Experian Boost '' product. After doing further investigation I learned that Experian is using the same utility accounts that was linked to my bank, with a label as debt. Currently, there is 7 XXXX  accounts that I linked to Experian from my XXXX  XXXX XXXX checking account. Of the 7, 2 of which should be taken off my report because there were both closed due to rental lease ending XX/XX/2019. 

Experian is reporting the balances of all 7 accounts on my credit report and labeling them as debt when they were all paid in full. Two of the 7 accounts that's listed below were closed in XXXX. I called Experian and shared my concerns and inquired why they aren't informing customers about this. I was immediately referred to CFPB. I also requested that they remove the old 2 accounts and they refused. I asked the representative why doesn't the 7 accounts reflect that they were all paid in full and show a XXXX balance, he had no response. 

This is and has hurt my chances of getting credit and has kept my credit score low. They appear to have not verified that it has been paid in full, but rather list it as debt. Below are two accounts that should have been removed, but Experian is refusing to remove them and all other inaccuracies. 

I would like the 5 accounts to be listed as 0 and the accounts listed below to be taken of my credit report. 

Respectfully, XXXX XXXX Account Info Merchant : XXXX  Account status : Open Account number : XXXX Account type : XXXX Account Info Merchant : XXXX  Account number : XXXX Account status : Open Account type : 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 non-monetary relief
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: NY
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:
Equifax obtained my personal information and failed to keep it secure, allowing hackers to obtain access to it. Equifax then failed to disclose this information for weeks. I recently was the victim of identity theft in which thieves accessed my bank accounts. It is unclear if it is related-there is no way to know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of these and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$180.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 Balance : {$210.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/2022 XXXX : {$52.00}

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 2018-10-30
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX I sent a debt validation letter to Conserve. On XX/XX/XXXX Conserve received the letter as evidenced by Certified Mail Returned Receipt. Conserve placed a negative entry prematurely in the amount of {$810.00} on my credit reports and as of today, XX/XX/XXXX have not yet responded to the letter/request for debt validation. The negative entry was later removed from my XXXX  credit file without receiving correspondence from Conserve as evidenced by attached personal credit reports on XX/XX/XXXX while on XX/XX/XXXX, Conserve was reporting the negative entry to all 3 credit reporting agencies-evidenced by attached personal credit reports. On XX/XX/XXXX I received an alert from XXXX that my credit score decreased due to Conserve adding a 2nd negative entry to my XXXX credit file ( with a different account number ) in the same amount of {$810.00}. Previously, Conserve also had the incorrect account name reporting for the negative entry as evidenced by attached credit report XX/XX/XXXX prior to its removal from my XXXX  file. On today, XX/XX/XXXX I received notification that Conserve added the account back onto my XXXX  credit file in the amount of {$810.00} after previously removing it-evidenced by attached personal credit report from XX/XX/XXXX. Conserve is in violation of the Fair Debt Collection Practices Act because : they ( Conserve ) DID NOT provide debt validation within 30 days from receipt of the request ( Conserve received and signed for the letter on XX/XX/XXXX ) ; they ( Conserve ) removed the account from my credit file and have recently re-reported the account making it appear as new ; they ( Conserve ) also added a new 2nd account in the same amount ( {$810.00} ) with a different account number after failing to validate the debt previously and I am also reporting the violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau due to my credit standing/scores being impacted by their ( Conserve ) noncompliance with FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: Rocket Mortgage, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Rocket mortgage revised my loan estimate for a refinance and the closing costs went from around XXXX to XXXX. I was also promised XXXX cash out at close ( depending on appraisal, which has not occurred yet ), and this was reduced to XXXX. I tried calling the loan officer and he will not call back. I should get my {$500.00} deposit back because the appraisal has not occurred. I am furious that this is way off the mark of what was discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Infiniti continues to report inaccurate information to my consumer credit file. When I log into InfinitiFinancialServices the account immediately reflects a balance of {$1300.00}. Infiniti continues to report to the credit bureaus that I owe a balance of {$750.00} or {$790.00} what they report to the bureaus keeps changing. This account has been paid off by my insurance due to an unfortunate front end collision in XX/XX/2020 which resulted in a total car loss. 

I have attached two supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX  XXXX Bankruptcy : Bankruptcy XXXX. XXXX, 2017 {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, 2017 Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Joint Asset Amount 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 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 2022-06-16
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My student loan is being report reported incorrectly. I originally borrowed roughly XXXX and I still have the consolidation promissory note from XXXX  from AES. 
AES is reporting that after 10 years of payments of XXXX, I still owe XXXX. What? I have paperwork they sent me that has me down as two loans each for XXXX. Same date on both. One is a duplicate as they are at fixed rates. One says unsub, the other says subsidized. I've filed complaints that keep getting closed, I've spoken for hours with rude people. They reported to XXXX that I still owe XXXX. 
My sub loans equalled roughly XXXX My unsub loans totalled roughly XXXX. 
Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: AES/PHEAA
State: SC
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 do not have a contract with American Education Services ( AES ) however they are reporting on my XXXX Credit Report that I owe a debt. In addition, I have requested a full validation of alleged account that is being reported and XXXX completely ignored this request and certainly did not respond to the request within in the 30 day required timeframe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-23
Company: Nelnet, 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: Account status incorrect

Complaint:
Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from Nelnet student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with Nelnet were purchased by XXXX  my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from Nelnet. The credit bureaus disputed but results came back saying to contact Nelnet. I reached out to nelnet via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to Nelnet asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX.

Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXXXXXX  Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX  Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: OH
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 a a unverified account from XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. I had previously disputed this account. I have never done business withXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
I request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2018-11-16
Company: JPMORGAN CHASE & CO.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I am shopping around for the best interest rate. I was not told this would result in a HARD inquiry on my score LOWERING my points. I am furious and would like it removed immediately please. Other places I have shopped around have NOT resulted in a hard inquiry, CHASE is the only one who had and did not disclose it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NC
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation

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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On XX/XX/XXXX, I signed an auto financing agreement at the dealership XXXX XXXX XXXXXXXX XXXX XXXX and the bank XXXX XXXX XXXX for a XXXX XXXX XXXX. 

I payed a {$1500.00} down payment and agreed on paying $ XXXX for a term of 72 months starting XX/XX/XXXX. 

On the XX/XX/XXXX, my car was repossessed from my house with no prior correspondence. After further investigations, I called XXXX to inquire if they have the car and they confirm that they repossessed the car due to failure of receiving payments. XXXX claims that they do not have any contact information for me except for my phone number. They claim that they called my phone numerous times and sent me several mails. 
I hereby confirm that I have not received any calls from XXXX. I also did not receive any mailing correspondence from them, and that after confirming with XXXX they had the incorrect mailing address and all mail letter sent were returned to them. They also did not have my email. 
XXXX submitted reports to the credit union regarding late payments and repossession of the car, which has severely impacted my credit score, which has decreased from XXXX to XXXX. They also declined my request for installment and request that I submit a full payment of {$24000.00} before XX/XX/XXXX. 

I believe these claims are invalid because of the following : 1- I did not receive any correspondence from XXXX regarding this. 
2- XXXX did not have my correct mailing address or my email. 
3- efforts should have been made to contact the dealership to get my correct contact information. 

Additionally, no correspondence until this date has been sent to me to obtain my personal belongings that were in the repossessed car. 
XXXX have numerous similar lawsuits and allegations for similar claims that can be found publicly online. Unfortunately, I was the victim of their predatory conduct. I am currently pursing legal actions against XXXX. I have no problem in paying the monthly installment as I am a XXXX and I work at XXXX XXXXXXXX XXXX XXXX. I would appreciate your help in removing these claims as it has severely impacted my XXXXedit score and also due to the fact that XXXX did not reach me either via email, mail or phone to get the correct credit card number. 
Please feel free to call me at XXXX to discuss further if needed. 

Thank you so much

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 2022-06-16
Company: U.S. Auto Sales 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
The XXXX XXXX police credit unon has been changed, new name, also updated website, and uses robo calls with no live operator after choosing to speak to live person to make payment. online was down. i disuputed and experian took their side, without even looking at their website to see info has changed. for a small mount of less than {$80.00} they have put incorrect late mark on credit and will not fix it. i provided proof. this is predatory lending practices. i have a paid experian monitoring and they don't help by removing this at all. i provided all the reasons.

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 2017-09-09
Company: EQUIFAX, INC.
State: IN
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:
According to Equifax my personal information has been potentially stolen through their cyber security breach in 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions 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:
I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2017-06-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have asked numerous times to get a letter in writing about the account in collections. They state they will not send one until money is paid upfront. I want this closed but will not pay anoyone without proper notification. They c all 3 to4 times a  day and continue to refuse written account information. They state one was mailed however this can not be true based on their continued refusal to mail me anything.

Company response to consumer: Closed with explanation