BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
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: Information belongs to someone else

Complaint:
I Started to look at my credit Report to make sure my credit was in good standing and noticed multiple unauthorized inquiries on my report and confused on startled on how many were being reported. I was not aware of any of the inquiries being reported. The fraudulent Inquiries are listed : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Camp ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
**************LOAN VALUE REQUEST FOR THE XXXX XXXX XXXX **************** On XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX IL . Financed by Santander USA. I am a victim of PREDATORY LENDING! 
I am requesting the LOAN VALUE on this XXXX XXXX  XXXX. I have attempted several times to reach your underwriting Dept. I have been hung up on twice by your office. 
Your office states you Santander USA does not have an Underwriting Dept or a Compliance Dept. Santander per your response back to CFPB You do have an underwriting Dept but NOT available for customers by phone. Please have your UNDERWRITING DEPT contact me by Email, written correspondence, Phone with a LOAN VALUE ASAP! 
THIS REQUEST IS FOR THE LOAN VALUE OF THE XXXX XXXX XXXX  THAT I HAVE BEEN CHARGED {$26000.00}. Who approved this loan? Who is managing the underwriting dept? 

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IL XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
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:
In accordance with the Fair Credit Reporting act the following accounts are out of compliance : XXXX XXXX XXXX  XXXX : Account # XXXX | Account History Invalid - No Consent Given. 
Extra Credit Card : Account # XXXX | XX/XX/2022 - Inaccurate Payment History. ( This payment was not missed. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX | Account History Invalid - No Consent to report given. 
XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX | Account Payment history invalid - No written consent given - Account Paid in full Invalid Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following accounts are out of compliance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 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 2022-06-08
Company: EdFinancial Services
State: LA
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:
On or around XXXX XXXX I have requested an original instrument of indebtedness from ED FINANCIAL in regards to transfer of promissory note which is already credited upon submission of application. This company has sent in a inaccurate copy of application the parent name listed in parent/guardian line has listed my younger sibling on the line. When I called from the telephone listed from XXXX the line was out of service. Please provide all parties name and assignee of information. I have not directly given this company any authorization without my consent in transfer of any electronic tenders. Please provide all original documents NO COPIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There were unauthorized withdrawals made from my twXXXX checking accounts XXXX totalling XXXX dollars. I was at XXXX at the time with my debit card and the withdrawals were in the XXXX. After receiving an email from chase regarding fraudulent activity on XX/XX/XXXX I called and filled claims. Temporary credits were made to my account but later on XX/XX/XXXX and XXXX chase took back the credits. I explained that I was not in the US at the time of the withdrawals and transactions I did at the airport and hotel proved it but i still lost the claims bc my pin was used for the withdrawals. I would like a thorough investigation of this matter bc im sure that this also happened to other individuals who used the ATM machines at chase XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-22
Company: Nelnet, Inc.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Nelnet XXXX XXXX ( " Nelnet '' ), either through negligence or malice, has caused me damages as a result of their irreverent handling of tuition refunds. 

Specifically, Nelnet has made multiple mistakes that have resulted in an ACH transfer being reversed, as a result of this reversal my bank account is likely to be charged one or more overdraft fees. Worse, Nelnet has purposefully delayed a refund of {$930.00} dollars in an apparent attempt to ensure that I would be charged overdraft fees. Outrageously, Nelnet has reordered their ACH transactions to ensure that withdraws are processed before deposits. 

In detail, I have been owed a {$930.00} refund for over one week now. However, despite promising to provide a refund in a couple of days Nelnet has not even started the process of initiating a refund and has instead focused on withdrawing nearly {$4000.00} from my account in an out-of-order manner. 

If Nelnet has processed transactions in their logical chronological order wherein the {$930.00} refund was executed first then it is likely that the current torturous activity of Nelnet and resulting damages may have not occurred or been limited in scope.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NC
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:
Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly. 

You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible.

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 2022-09-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
It was a chase credit card which I do not have. I first received a statement with a XXXX amount on it. A called chase telling them I did not open an account. They told me they would close the account. Next statement I received there was {$840.00} on the account. Someone using XXXX which Ive never used. I called again and after getting a run around finally was able to file a complaint. Why after I told them it wasnt me did they reopen this card and allow it to be used?? I filed a police report and put claim through. I also received something from XXXX which I also dont have. I called them but they said Id have to go in to a branch to handle that. This is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
EXPERIAN XXXX. IS REPORTING ADVERSE, INACCURATE, FRAUDULENT INFORMATION TO XXXX XXXX XXXX REPORTS AND THE CONSUMER IS INCURRING INJURY OF DEFAMATION TO THE CONSUMER 'S CREDIT REPORTS AS WELL AS PHYSICAL, MENTAL PSYCHOLOGICAL CONSUMER IS IN DISPUTE OF ALL NEGATIVE INFORMATION! THERE WILL BE NO AGREEMENT UPON ANY ADVERSE INFORMATION WITHOUT MY CONSENT BEFOREHAND! AS WELL AS FINACIAL DAMAGES WITH INVASION OF PRIVACY 15 U.S.C. 1681 A4, NON REMOVAL OF NEGATIVE INFORMATION WHILE UNDER INVESTIGATION - 15 U.S.C. 1681IA [ 1a ] as well as FALSE IMPERSONATING OF ADVERSE COLLECTORS IN VIOLATION ADDED TO THE CONSUMER 'S REPUTATION AS AS A PRIME CONSUMER INDUCING NEGATIVE CREDIT RESPONSES. THE. CREDIT AGENCY KNOWN AS EXPERIAN IS ENTIRELY RESPONSE AS INDUCERS OF ADVERSE PARTIES WITHOUT CONSENT OR CONTRACT BEFOREHAND! THE CONSUMER 'S " CREDIT WORTHINESS SHALL ALWAYS BE AT " MAXIMUM ACCURACY POSSIBLE '' AS GUARANTEED BY FCRA, FDCPA, FTC, DODD - FRANK ACT. I AM " JUDGEMENT PROOF '' ADVERSE PARTIES WILL BE CALLED TO FEDERAL COURT UNDER 15 U.S.C.1681 AS WELL AS FDCPA & FTC VIOLATIONS!! DELETE ALL PARTIES!

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 2022-07-02
Company: Experian Information Solutions Inc.
State: MA
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:
This Complaint is to Experian Credit Bureau I have been disputing multiple Fraudulent Accounts on my file back in XX/XX/2022. 
Experian keeps sending the same generic responses as " This account has been verified '' as accurate Experian has sent me copies of my credit report and also have mailed me statements. 

a Copy of a Statement is NOT proof that an account has been verified and any Automated response or e-Oscar verification is unacceptable. I know these accounts are fraudulent and do not belong to me so I requested Experian to let me know their Method of Verification that these accounts are valid. I requested the name, address phone number of each person contacted regarding these accounts. I requested a copy of any document with my signature proving that I am obligated to pay the exact amount owed. After months and months of going back and forth with Experian they still have not provided any proof nor documentation and still keep responding with the same generic response " Account Verified ''. They have failed to provide their Method of Verification nor provide any documentation proving these accounts belong to me. 

I also made a police report out and submitted a copy to Experian. I've spoken to them over the phone and they said because I submitted a police report their fraud department put a security freeze and fraud Alert on my file But they STILL continue to report these Items as Verified! This makes absolutely no sense Below is a snippet of XXXX of the dispute I've sent This letter is in response to your recent claim that XXXX XXXX has verified that the account they are reporting under my name is accurate. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation AND your Method of Verification

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 2022-07-02
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Comenity bank has had its payment system down since at least XX/XX/2022. I have attempted to make a payment regarding my XXXX 's Mastercard I have with this bank on multiple occasions since this date. They have a new easypay system that does not work and and you get a " Page Not Found '' error and to contact customer service. When attempting to contact customer service, via phone, you get another message that they are " experiencing a phone outage and can make an online payment at comenity.net/easypay. '' Yet going back to my previous statement this system is not working. 

Consumers are unsure if their data has been breached or when this issue will be fixed. The company keep posting the same message via XXXX, not emailing actual consumers of the ongoing issues. If someone does not have XXXX they would not know what was going on. 

They did post that late fees would we waived for people whose payment were due from XXXX XXXX XXXX and that inability to make a payment will not effect credit scores, via XXXX. I certainly hope that this companies lack of responsibility to its customers truly does not effect my credit score and effect my ability to buy a home in the coming months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Collections - Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX and Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXXXXXX XXXX  - Account # 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 non-monetary relief
Consumer complaint received 2022-04-25
Company: SCA Collections, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/XXXX I have yet to receive anything to validate said debt. I have sent THREE debt validation requests. Two in writing and one via phone. And all of my requests have been ignored. I first disputed this debt on XX/XX/XXXX and instead of validating the debt they would rather ignore my request and continue reporting to the credit agencies ( most recently as of today ) that I owe them when in fact I do not. I have never done business with this company. They have never provided me with goods or service yet they have fraudulently stated I have. I have yet to receive a contract between me and this company. A full account summary and itemized calculation of the alleged debt. When this debt originated and when it became delinquent. They also failed to follow FDCPA by not sending a letter giving me the alloyed time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. It is obvious they do not have anything to validate this debt and instead of removing their fraudulent trade line they would much rather continue violating not only the law but my rights as a consumer. It does not take WEEKS to validate a legit debt. If I am the person you say owe I wouldnt have to fight tooth and nail just to get basic information to validate the debt. They lied and said they would and were sending me something and have not!

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 2022-07-02
Company: Experian Information Solutions Inc.
State: TN
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 15 USC 1681 an account can not be furnished on my consumer report without my consent. I have not given any consent to XXXX XXXX or XXXX XXXX XXXX to furnish these accounts on my consumer report. Furthermore they are charged off and are reporting incorrect balances to the credit bureaus. I have also not received my 1099c which is required to be sent to the consumer once the account is charged off. By law they are required to notify me once the accounts have been charged off and have failed to do so, therefore Im motivated to seek monetary relief of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES LLC lost in trial, case no : XXXX XXXX XXXX XXXX XXXX  this case was tried on XX/XX/XXXX, they continue to contact and harass me for funds not owed. This is illegal and fraudulent and have not taken it off my credit. 

The case was tried in XXXX at the courthouse of XXXX and the case was dismissed, that the plaintiff is unable to and has not proven a contractual relationship between the plaintiff and defendant. 


Yet the plaintiff, aka PORTFOLIO Recovery is calling to obtain a collection I do not owe.

Company response to consumer: Closed with explanation