BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-10
Company: Social Finance, Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have tried to contact Sofi bank for almost two weeks I havent been able to buy groceries or pay my rent soon I will be evicted even though its the banks fault I have called every department but the keep sending me to voicemail. Since XX/XX/2021 my account has been frozen .with no explanation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2014 XXXX Was not aware of the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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:
I've sent a few letters via certified mail asking to fix the errors on my credit reports. I also ask them to send me information on how they verified the inaccurate accounts as " verified '' when the accounts are not mine. Each time I got a generic letter stating that the information is accurate and that they refuse to 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 explanation
Consumer complaint received 2022-08-13
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: Credit inquiries on your report that you don't recognize

Complaint:
I have applied for credit twice, But loan officer aren't being transparent.. When I've asked which Agency they pull from.. They lead me to believe only one they pull, I real time it ends up being two agencies..

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 2022-01-10
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX {$1500.00} disputed with transunion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX XXXX XXXX XX/XX/2022 inquiry on my credit file I have not applied for anything with company. This inquiry is unauthorized. Please remove from credit profile and or delete from 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 non-monetary relief
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2021-07-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 I realized my tax return was being sent to the wrong bank account. My bank account ends in a 2, but the bank account I had put on the form ended with a 4. I called the bank 1st think Monday, XX/XX/2021 ( the date of the direct deposit, ) to inform them of my situation. I spoke to a manager who told me they located the direct deposit, and that they were putting a stop to it. I was told the money would be rerouted to my account in 24-48 hours. 4 days later on XX/XX/XXXX I received a notice that no action was being taken. I called the bank and was told my refund was rejected. Per the IRS website, I saw that once rejected the money would go back to the IRS and I would be sent a check. Fast forward to XX/XX/2021. The Stimulus payments were about to go out and I called the bank to give them a heads up, since the IRS is using banking information from tax returns. It was during this call I was told that my refund was NOT rejected, it was placed in someone else 's bank account. The woman I spoke to was so rude I got off the phone crying. I spoke to her manager who told me that she would do everything she could to help fix everything. I was also told that we would be getting our money, and that worst case, the bank would take a loss. We continued talking to the bank for days. They did end up sending the stimulus money back, and I received a check from the IRS. I still have received nothing for my taxes. I have called the bank multiple times and I am given different answers each time. I escalated to the regional manager who told me there was nothing they could do. The IRS told me the check should have never been accepted since it had our names on it, but the bank continues to say that refunds have no name. Fast forward yet again to XX/XX/2021. Child Tax credit payments are getting ready to be sent out. We called the bank AGAIN to let them know this payment will be going into this person 's account. We are told they will get back to us. A week later we call AGAIN. We filed a claim, the payment went into the people 's account on XX/XX/2021. I received a notice today that the claim has been rejected. Someone called and left me a voicemail on XX/XX/2021. I called back the same day and left her a voicemail and never heard from her again. It's ridiculous that we are told so many lies, no one is helping, and someone has {$6900.00} of our money in their account. And we know it's an actual bank account because one of the tellers told us it belonged to someone. Same routing number and every digit the same of the bank account number aside from the last number being a 4 while ours is a 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: Experian Information Solutions Inc.
State: PA
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:
Experian is furnishing information that is not 100 % accurate and correct. They also are presenting information on behalf of consumers without the direct written consent of the consumer, and that is a violation of permissible purposes. I sent in dispute letters and no one has got back to me, Ive called and they say they are still under 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 explanation
Consumer complaint received 2017-10-22
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
The problem is with discover card. I actually already have an account with them this complaint is about obtaining a credit limit increase. I started with a secured card with a XXXX $ limit in XXXX. Since opening the account my XXXX has increased to XXXX according to their own site, I have not missed a payment with them or anyone else and have been considered credit worthy enough for other banks too give me XXXX limits. I have called them several times to try to get a credit limit increase and the just say the system automatically reviews it. I consider calling them an application for credit, they take adverse action against me by denying me additional credit, but give me no reason as to why, in fact they do n't even consider my request. Is this not a regulation B violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
-Purchased a washing & dryer from XXXX in XX/XX/XXXX-Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on time & paid off in full inXX/XX/XXXX-I was NEVER late and paid on time every month prior to the payoff -The washer has had 17 repair appointments -The washer is currently not working -The washer is still under warranty XXXX is reporting me paying late ONE time in XX/XX/XXXX-I have contacted XXXX executive office three different times -I have was treated with disrespect and XXXX has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the XXXX rep with a negative racial stereotype

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
-Purchased a washing & dryer from XXXX XXXX XXXX, XXXX -Had multiple problems with deliveries -Once the items delivered the washing machine began to malfunction -I paid every month on XXXX & paid off in full in XXXX XXXX -I was NEVER late and paid on time every month prior to the payoff -The washer has had XXXX repair appointments -The washer is currently not working -The washer is still under warranty -XXXX is reporting me paying late XXXX time in XXXX XXXX XXXX have contacted XXXX XXXX XXXX XXXX different times -I have was treated XXXX disrespect and XXXX has refused to correct inaccurate report -I owe NO money -I do not have a working washing machine -The inaccurate report is the ONLY late payment reporting on my credit report -I was also insulted by the XXXX XXXX with a negative XXXX stereotype

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 2017-10-22
Company: Experian Information Solutions Inc.
State: CA
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:
[Letter # 4] Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS  *** {

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 2022-05-02
Company: Experian Information Solutions Inc.
State: OH
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:
The CRA 'Experian ' has failed to follow the FCRA guidelines in regards to reporting. The following account below is the account in question : XXXX  - 8 potentially negative months Closed Account info Account name Account number Original creditor Company sold Account type Date opened Account status Payment status Status updated XXXX XXXX - - Credit Card XX/XX/XXXX Closed Legally paid in full for less than the full balance Under section 609, you have the right to request : 1. All of the information in your consumer credit files.

2. The source of that information.

3. Each person that has accessed your credit report within the past two years ( unless it was to complete an investigation ). 
4. Businesses that have made soft inquiries within the past year.

Violation 1 : None of the following was provided to me upon multiple request to Experian.

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumers dispute that the furnished information is inaccurate or incomplete. 

Violation 2 : regarding the payment history being reported. Take a look ar year XXXX where XXXX - XXXX was reported as 30, 60, 90, 120, 120, 120, 120 with XXXX, XXXX, and half of XXXX having no reporting at all. How is this accurate? How can an account go from 120 days past due, no reporting for two years and all of a sudden reports as charge off? This is completely inaccurate. 

Please review the following complaint accurately.

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 2022-05-02
Company: EQUIFAX, INC.
State: MI
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 student loans were reported 90 days delinquent back in XX/XX/XXXX, so in XX/XX/XXXX I called because it was still on my credit report and was told that it would not be removed until it was a zero balance. It was going to report delinquent indefinitely. I had never heard of an account being able to report indefinitely but I transferred & consolidated my loans in XXXX of XXXX to another lender which put my balance at zero with XXXX. When I called because it still appeared on my report, I was told that it would report for 10 years. Well XXXX of XXXX came and that made it 10 years it had be reporting on my credit. Spoke with XXXX at XXXX in XXXX of XXXX and was told that it should have been removed and she would sent it over to the department that handles credit reports to have it removed. I was told to check back in XX/XX/XXXX and it should be corrected. As of today, XX/XX/XXXX XXXX still appears on my credit report showing delinquent from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
In late XXXX or early XXXX XXXX My husband went to XXXX XXXX to get an oil change on his XXXX XXXX. After a few hours, he called to tell me the salesman we have always used there, XXXX XXXX, introduced him to a fully loaded XXXX XXXX XXXX. At this time my husband had recently completed XXXX. When I got to the dealership I was reluctant to agree to this jointly. I privately talked to the salesman and told him I was worried about signing jointly in case XXXX 's health did not continue to improve. Noteworthy - we were there several hours due to my trepidation and in that time my daughter called to ask if her fiance was eligible to use my father 's XXXX XXXX discount. I was told by XXXX XXXX that he was not. I was also told that if my husband wanted this car I would have to be on the lease because I was the family member for the XXXX XXXX or the discount would not apply. I also have a lease on a XXXX for my own use. In short, I felt pressured to sign. My husband XXXX on XXXX XXXX, XXXX due to XXXX XXXX XXXX and I 'm being told I 'm locked into this lease for a car I do n't like or want. l recently found out I was NOT required to be on the lease per the terms of the XXXX XXXX. My daughter 's fiance also lost out on a large discount because of this misinformation. This has caused a terrible financial burden, as my husband XXXX without an estate or any XXXX insurance. I feel that the dealership had a fiduciary responsibility to give me accurate information or find someone who could. When I found out in XXXX XXXX that I did not have to sign this lease XXXX XXXX went to his supervisor who verified verbally and publicly in the showroom that I was not responsible to sign that lease in order to receive the discount. At this point I am barely making ends meet as I continue to pay for 2 leases registration and insurance and drive only 1 car. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
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:
I had several tax liens showing on my credit report, which were released quite a while ago. The reporting agencies are XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX I sent letters to all credit reporting agencies, including Equifax, XXXX and XXXX  challenging the accuracy, compliance and reportability of these listings. All agencies have deleted these entries from my report, except for Equifax. On both XXXX XXXX, 2017 and again on XXXX XXXX, 2017 I sent letters to Equifax asking that they validate the information directly with the reporting sources, requesting contact information for each person contacted. Any automated response or e-Oscar verification would be unacceptable. As this erroneous information on my credit report is bringing down my credit score and preventing me from obtaining additional credit I feel this should be important enough that Equifax handle this in direct fashion. I have written to the reporting agencies myself and have found that they DO NOT report to any credit reporting agency. Therefore any information in my credit report with these reporting agencies as their source is inaccurate and incomplete. Equifax continues to verify the reported information with a 3rd party source. As this 3rd party source is NOT the reporting source nor the creditor they are an unreliable source and this information should be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Forbearance period was XX/XX/XXXX through XX/XX/XXXX, I resumed payments on XX/XX/XXXX. My promissory/forbearance paperwork was drafted incorrectly ( typo ) and never corrected during 90 day period. I contacted them multiple times with correct information but they wouldn't correct it. Company tried to force me to sign for 8 payments, not six. Sold my loan without paperwork in place, reported delinquent, credit problems immediately. New company will not honor any previous FHA guidelines for forbearance protection.

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 2017-10-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
At the age of XXXX, I met with a counselor at XXXX University, in XXXX, CA.
I applied and was accepted into there XXXX program which I completed XXXX 2014.
To pay for the tuition I secured a Fafsa loan.
I accrued a {$180000.00} debt. Now I ; m homeless and suffer from XXXX XXXX.
The XXXX University counselor failed to inform me that being a resident of California and over age XXXX, I could have earned an XXXX at a California XXXX University, for only {$11.00} per semester not per course but per semester.under California Education Code Section 68017, ( XXXX year old tuition waiver ) But being that XXXX is a for profit school, they convinced me to attend XXXX they took advantage of me, and did not inform me that I could earn an XXXX at a California XXXX  University school for under {$1000.00}, total.
Instead I attended a XXXX and incurred a {$180000.00} debt.
Which now at age XXXX will Never be able to REPAY.
Please help me. Please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28
Company: AFNI INC.
State: ME
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 never had an account become delinquent with XXXX XXXX XXXX nor did I receive any notice of missing payments or a collection account. Just now I came across this supposed account by checking my credit report. I want proof it belongs to me or for it to be removed from all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XXXX, after XXXX shopping, I couldn't find my credit card. A few days later I noticed charges including a charge from XXXX  of XXXX dollars. I froze the card and called customer service. They told me it wouldn't be an issue since my account is protected. And returned the money. 

Several weeks later they decided that since the purchases were made nearby I must have had my card and charged me without consent and took money directly out of my bank account.

Company response to consumer: Closed with monetary relief