BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I sent a XXXX Letter to XXXX via XXXX asking for validation of original debt history because unfair collection and unfair reporting practices with XXXX continues to not report my XXXX payment history. I also followed up with an XXXX letter to try to resolve the matter. Equifax did not do their due diligence in correcting matter. XXXX  intentionally suppress my payment history by not correcting the reporting my XXXX payment history. XXXX  account is old and requires removal from my credit report. I have made over XXXX disputes in reference to this matter. To no avail Equifax verifies XXXX erroneous credit reporting data sometimes in less than XXXX hours. XX/XX/XXXX I called Equifax stating my frustrations with their reporting practices and tried to file a complaint with their company but did not get any assistance. the Equifax report numbers are XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX I checked my credit report on XXXX XXXX and had a total of XXXX hard credit inquires removed. In checking my report on XXXX all XXXX inquiries were placed back onto my account with out sending me a reinsertion letter required by the car section XXXX. I have been calling transition ever since and have received no help, my request to be transferred to an American representative or the fraud department, many of the representatives were very rude and condescending. Some even told me they know what happened and basically told me I should simply file a complaint because they will not fix it

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 2017-05-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chase Bank Owes me {$290.00} for services not rendered from a vendor after promptly closing my account early  XXXX  with out notice. I recently received notice as of today via email that an account reversal of {$130.00} took place when I no longer have this account by the bank 's request and the bank wants to charge me back funds when in fact I have not had returns. I also had to spend extra money due to the shut down o n the road, a nd Chase Bank refuses to compensate me for the huge disruption with out even having a debit card to use while traveling.   Now the bank want to charge me for a claim that was not valid. I received a letter with no description. I do not want Chase Bank to email me, or to contact me at all other than mailing me of what is due to me which is {$290.00}. My account have been closed since  XXXX  upon the banks request. I find this unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: ALLY FINANCIAL INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ally Financial Inc., has continued to ignore my notice of billing errors, and they have continued to report data that is known to be false or would be known to be false. I have requested documentary evidence according to GAAP and they have refused to disclose this information. I have requested account-level book keeping information to verify that the information is accurate and they have failed to disclose this information. Confirming that the data being reported to third party credit reporting agencies to be false or would be known to be false. I am requesting this information to verify that the data being furnished is accurate and is in compliance with the XXXX XXXX standard for companies that furnish information to credit reporting agencies. This false information has not been verified upon request and my dispute has not been reported causing my credibility to be questioned. It has also caused mental anguish and severe stress. The damage I have suffered from their failure to comply is in the amount of {$50000.00} that I am seeking in relief.

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 2016-09-07
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Hello, I feel I am a victim of fraudulent charges and/or identity theft. First, there were fraudulent charges made using my debit card. Then, someone accessed my banking information and changed my username, address, and email. Next, there were fraudulent charges made on my credit card. I spoke with representative from my bank and claims department. They are currently reviewing the credit card charges. I believe this person has also set up an online presence through a social media site called XXXX and used my username with my favorite number attached to it. I 'm very concerned this person has access to all of my banking information. All of my credit cards are on hold at the moment. I need to protect my identity and credit so this person does n't move further and use more of my information. Again, I 'm very concerned and would like to monitor my credit. Thank you.

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 2016-11-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
i got few hard inquiries that i never requested from this bank tried to contact them over the phone and they said they gon na get it removed after 4 months i still see all of them on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: TX
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 am writing due to non-compliance with Experian. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete its investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2022-10-07
Company: BRite Financial Services, Inc.
State: WI
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:
Brite Financial reported my payments delinquent however they are in violation of my rights as I never provided this company permission to report our transaction to the credit bureau which is a data mining company whos inaccurate information is effecting my life and enabling me from purchasing a home for my growing family. As remedy I am requesting you remove ALL NEGATIVE reporting from all 3 credit bureaus and report my balance as XXXX, as your company has already written this off of your ledger and your insurance company has made you whole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I requested my XXXX from Navient in XX/XX/2022. I have heard nothing from Navient about my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX account listed on my credit report shows as past due for four payments of {$9800.00} ( credit report excerpt attached ). This account is current and no delinquency exists. Even XXXX 's company on-line information ( attached to this complaint ) shows my account as current and I 'm told updated information should be on my credit report showing the account is current with no late payments. This account needs to be corrected asap as I am trying to purchase a car and I ca n't get financing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX XXXX Account Number : XXXX Bal : {$1500.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$79.00} 3. XXXX XXXX XXXX Account Number : XXXX Bal : {$54.00} 4. XXXX XXXX XXXX Account Number : XXXX Bal : {$200.00} 5. XXXX XXXX Account XXXX : XXXX Bal : {$150.00}

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 2022-03-28
Company: Genesis FS Card Services, Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had an account with FS Genesis Card services. I paid off my card around XXXX and wanted my account closed due to the fact the said they keep mailing me out cards that never arrived at my place so I just ended up calling and getting my account closed. The person never closed my account so fast forward to a month ago and they said I was late on a payment and reported it to my credit company. I called up genesis card services and the first person I talked to seen where I was coming from and not only took off late payments and interest charges but took off the annual fee and put my account down to {$0.00} and finally closed my account. It has already been reported to my credit company that I am 60 days late on my payment that I was never suppose to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: EQUIFAX, 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 information incorrect

Complaint:
The company is reporting the incorrect balance to XXXX XXXX XXXX XXXXhowing on my credit report. Please have XXXX XXXXXXXX XXXX do an Validation fo Debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian isnin violation of my rights. To jave a debt collector not to harrass my and allow me to deal only with the original creditor which os a. Violation of the FAIR DEBT COLLECTION ACT, THE UNIFORM COMMERCIAL CODE, and On XXXX XXXX, 1933, Congress passed XXXX ( XXXX ) XXXX. HJR XXXX was passed to suspend the gold standard and abrogate the gold clause in the national constitution. Since then, no one in America has been able to lawfully pay a 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 2015-09-15
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a public record on my Experian credit report from " XXXX XXXX XXXX XXXX. '' There is no recorded judgment from this creditor. I have disputed in the past with Experian, and it has come back verified. I went on to request that Experian provide me with the method by which they verified this public record, and they have repeatedly failed to provide me with any such information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have initiated two good will letters to Experian to provide me with documentation bearing my signature for a chapter XXXX bankruptcy on my credit report. They have failed to do so under the FCRA guidelines.

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 2022-07-21
Company: Experian Information Solutions 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 been contacting Experian over the last few months to correct an issue with my account with XXXX XXXX XXXX. This account was paid off in full last XXXX. The last thing I heard from Experian was that the information was correct. I contacted the lender and was told that they were indeed reporting the account as paid in full/closed. I have been trying to reach someone at Experian but have not been able to get ahold of a live agent. There is no possible way they contacted the finance company to verify this information. Their incorrect information and lack of interest in reporting accurate is insane

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 2018-05-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a secure credit card to build credit. I also had a bank account with Bank of America. While in XXXX my bank card malfunctioned and i was forced to only use my secured credit card. a unauthorized charge was made on my account. I provided proof and was refunded then they put the charge back on my card. This caused my card to be charged off. i request that the error report be removed from all my credit reports immediately.

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: Experian Information Solutions Inc.
State: PR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I send a police report report together with other to Eperian requesting account that did not belong to me to delete them and also to update my records as letter stated from the creditos. Also send them copy of drivers license for the verification of my of my identity since I am victim of fraud and they know about it. The police report included everything they are putting on their response. They refused to block eventhough they have copy of my police report and my XXXX creditor.s

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 2018-05-30
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Experian declines to grant me any proof or validation of XXXX XXXX account ( ... XXXX and XXXX has found it to be an error and deleted it, it was false reporting on behalf of the loan company, and Experian has also failed to respond to me in writing within the 30 day period ... violating my rights and F.C.R.A. law ... this was an Auto Loan from 2014 that was settled, and has been corrected by the other two reporting Bureaus ... Experian seems to cause a lot of trouble for people without really investigating disputes, and they delight in being difficult and unresponsive, but a class action litigation may change this, because countless are quite unhappy with Experian ...

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 2022-03-28
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXXXXXX sent me a letter on XX/XX/2021 about an alleged debt owed to American Express. I sent a cease and desist as well a debt validation letter with a green receipt that was received on XX/XX/2021. For the validation of the debt XXXX sent me statements and terms and conditions pages. They never provided me the address and name of the original creditor. They have since taken legal action against me and filed a lawsuit. This is a violation because a debt collector can not be an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: Paypal Holdings, 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:
After I noticed an alert from my reporting agencies saying there was an inquiry from Paypal on my report I immediately called their fraud department and spoke with an agent stating I didn't apply for credit with them and when I called all 3 times each agent said they would send me a letter stating it was fraud and I never received anything back with stating I gave them permissible purpose to pull my credit. I have disputed with the credit bureaus as well and submitted my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-27
Company: GREAT LAKES
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company have been sued by the Bureau of Consumer Financial Protection ( CFPB ), and the States of Minnesota, North Carolina and California for deceptive practices and taking unlawful advance fees. The Court has appointed a Receiver who has suspended the companies operations.XXXX XXXX XXXX, d/b/a XXXX XXXX XXXX XXXX, et al. The companies listed have been sued by the Bureau of Consumer Financial Protection, The State of Minnesota, The State of North Carolina, and The People of the State of California ( collectively, Plaintiffs ) for deceptive and unlawful practices related to their student loan debt relief operation. The Plaintiffs lawsuit was filed on XX/XX/2019, naming as Defendants all of the companies listed, along with their principals. The Court entered a Temporary Restraining Order ( TRO ) the same day, which prohibits any further unlawful conduct and appoints a Temporary Receiver to take possession and control of the business. The Temporary Receiver suspended operations and conducted a review of the business. A copy of the Receivers Preliminary Report can be found in the Documents section of this webpage. On XX/XX/2019, the Court entered the parties Stipulated Preliminary Injunction which extends the restrictions in the TRO until there is a trial of the case. The Receiver has concluded the Defendants business operations can not be operated lawfully and profitably. As such, the operations have been terminated. I applied for this student loan consolidation program as this company posed to be supported by the Department of Education. I have made 3 months payments to this unlawful company, totaling in a loss of {$750.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Paramount GR Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I signed a contract with XXXX XXXX XXXX for the installation of XXXX Panels. They installed the panels but the City should perform the final inspection before it starts up. 
They City first came for inspection and needed some modifications done, XXXX XXXX XXXX did the modifications then a final inspection was scheduled. City came for inspection but nobody from XXXX XXXX XXXX ( now aquired by XXXX XXXX ) showed up. The City did not approve the XXXX Panels to start. This has been going on for almost a year now. Good Leap is the loaner and I have been paying monthly installements ( {$220.00} ) for 10 months now. I called Good Leap and asked to put a stop on payments until the Panels are approved to work. They said the can't do that because I am paying for the equipments not for the service. I asked for reimbursement as well.

Company response to consumer: Closed with explanation