BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 I sent a 5th letter to Experian in reference to my personal information on my consumer report. I noticed that they still had not removed an inaccurate and old address I no longer have access to. I've repeatedly asked Experian to remove the address because of the reasons I stated earlier. They claimed that the address had been verified and updated because it is attached to collections account that's not supposed to be on my report to begin with. I have enclosed the letter that was sent out. A copy of an old license from Maryland that has the correct address. Which is not the same address that's on my report. The address on my report is not accurate at all. They have constantly violated my consumer rights by holding my report hostage. 
I have also enclosed a copy of my report with the old address as well as a copy of my current address and license that I've sent them 5 times. They refuse to remove the address and I'm tired of asking. They have constantly violated 15 USC 1681 ( a ) ( 4 ) as well as reporting accurate information on a consumer report. 
They also refuse to remove two collections that they claim have been verified and updated. They have not provided me with any information on how these two collections were verified. Even though I filed a complaint with you guys already against XXXX XXXX XXXX and they stated here in a response that they did not report to any bureaus in reference to my consumer report. They still refuse to remove it. I also have a copy of the said letter as a response to the CFPB complaint about them not reporting it. 
XXXX XXXX XXXX XXXX was also verified and updated and I wasn't told how. That should also be removed from my report. I never gave permission to them to report anything. 
XXXX XXXX XXXX was not given permission to report anything as well. So these companies have illegally reported anything without my written permission 3 times. 
So these companies have illegally taken my information without my consent.

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 2021-03-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
ON MY XX/XX/XXXX RESERVED A RESIDENCE STAY WITH XXXX FOR THE PERIOD JXXXX XXXX XXXX 

DUE TO THE HOG FIRES IN SAME PROXIMITY OF THE RESIDENCE STAY. I CANCELLED RESERVATION. BOTH THE PROPERTY MANAGER AND XXXX ASSURED ME THAT I WOULD BE REFUNDED. 

CITI - THE CREDIT CARD CO. STATES " THE MERCHANT IS NOT WILLING TO ISSUE CREDIT TO MY ACCOUNT ATTACHED IS WEBPAGE CORRESPONDENCE WITH XXXX XXXX PROPERTY MANAGER '' DATED XX/XX/XXXX ATTACHED IS EMAIL WITH XXXX REPRESENTATIVE XXXX DATED XX/XX/XXXX. 

ATTACHED IS LETTER FROM CITI DATED XX/XX/XXXX. 

TOTAL CHARGES {$1700.00}

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 explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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

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 2023-07-03
Company: ALLY FINANCIAL INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is in reference to my complaint ID XXXX. I have sent several secure messages through Ally Bank to try and a Letter of Indemnity ( LOI ) for my initial complaint with Ally Bank. I wanted Ally Bank to send XXXX LOI to the mailing address on file and another to a fax number that was provided to me by XXXX XXXX ( XXXX XXXX XXXX XXXX ). In my previous complaint, they claim to have sent an LOI on XXXX occasions. I reached out to Ally Bank asking how it was sent over and I did not receive any receipts. On XXXX occasion I was told it would be 7-10 business days from the date my case was made on XX/XX/2023. In this message, I was told that your issue has been escalated to the highest level in our Executive Customer Relations. Today XX/XX/XXXX I messaged Ally Bank to get a response What Ive done to better assist you is to request to have your request escalated. Please allow XXXX business days to process the request. I do not understand how something can be escalated past the highest point of escalation. They did mention in the same message, I do not see that the letter has been sent out at this time. It appears there were no issues sending out the LOI previously. There seem to be no receipts on previous attempts to send out this letter. I asked Ally Bank if it was possible to send via secure messaging and this was not possible. If Ally Bank could even email me the letter or even submit it as an answer to this claim that would be appreciated.

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 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 
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

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 2018-09-16
Company: CITIBANK, N.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identifying theft, but also blatantly dismissed of just simply trying to solve this matter. This account is a line of credit and credit card that was credited under my name through Citi Bank. The account number is XXXX with Citi bank. I Originally in XX/XX/XXXX, when I first found out about this account, was when Citi Bank started to get Levy my account, I called Citi Bank and spoke to XXXX XXXX, a spokes person. She told me that I would not be Levy anymore since they could not find him in the system when he provided his social security number. The only information I got was that the loan started from XX/XX/XXXX, and the payment stopped in XX/XX/XXXX, then the lawsuit started XX/XX/XXXX. 

After this conversation, They still continued to Levy my account. I went to 3 different branches total to see who opened this account, and find proof that I was not the one who opened this line of credit and credit card. 

On XX/XX/XXXX, I went to the branch on XXXX XXXX in XXXX XXXX and then XXXX XXXX in XXXX XXXX, since no one at the XXXX  location could help me. One of the employee at the XXXX XXXX location told me that there was no ID in the system to show who was the one who signed for this loan. So, they directed me to go to the XXXX XXXX location, since that was the location the loan originally was created. 

On XX/XX/XXXX, I went to the branch location on XXXX XXXX. I spoke with XXXX XXXX, and she said there was no record and would investigate further with a case number ; XXXX. Other then this brief conversation, she was no further help. She promised to call me back, but never did. 

While I waited for this investigation from citi bank to come to some conclusion, there was a judgement on this account, and my personal bank account was being levyed close to {$4000.00}. 

The case number on this judgement is XXXX. 

No one from any branches, and the company itself, when I called, can not show me any proof of who opened this account. Either they would transfer me to another department or location, and not give me this simple request of proof. 

Also, this account is NOT in my credit report! Additionally, I was never served any paperwork. 

Please listen to all recordings and follow up on my cases since I was not only properly served this judgement, but I was also a victim of identity theft. They do not have my social security in file, nor show me any proof of me optaining this loan! I do not speak the language very well, and I personally feel they are taking advantage of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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


Account XXXX : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act : : XXXX XXXX INQUIRY DATE XX/XX/2020, FRAUD REMOVE XXXX XXXXXX/XX/2020 FRAUD REMOVE US DEPT ED acct # XXXX FRAUD REMOVE US DEPT ED acct # XXXX, FRAUD REMOVE DEPTEDXXXX acct # XXXX, FRAUD REMOVE XXXX XXXX  acct # XXXXFRAUD REMOVE, DEPTEDXXXX acct # XXXX FRAUD REMOVE 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 a 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 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
MACYS/CBNA Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE 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 non-monetary relief
Consumer complaint received 2018-09-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Several weeks ago XXXX XXXX called and stated they were calling to collect a debt on one of my credit cards. I told them I was in debt consolidation. After that and up to this date ( XX/XX/18 ) this company called ( name appeared on my phone screen with their phone number of XXXX ) every day at least 5 to 10 times, each time phone rang and I answered and they immediately hung up. No person talked and the phone call was then disconnected. 

Tried to call them back at the number displayed and was told it was not a working number.

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 2022-09-14
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: Account status incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX  ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. This Right has been violated.

15 U.S.C 1681 section 605- Fair and accurate reporting within 30 days. This Right has been violated " Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate '' - This right has been violated XXXX XXXX XXXX XXXX XXXX  has continuously violated my rights by inaccurately reporting an " over the limit '' status to the credit bureau 's. Despite having consistent payments on the account and the account now reflecting XXXX. This account has not been updated since XX/XX/2022. This information has been verified by Experian, XXXX and XXXX. 

I have called XXXX XXXX  of several occasions. each attempt took hours and many transfers to different departments that indicate it has been updated and there is nothing they can do. XXXX continues to blame the error on the credit bureau. The Bureau 's indicate they only report what is reported to them. I have disputed the account with all 3 bureaus. 

Due to comenity disregard for my consumer rights I have received adverse credit decisions. unbalanced utilization, inaccurate score reporting and adverse credit reporting that is a direct result of their negligence and violation of my consumer rights.

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 2022-04-28
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: Account status incorrect

Complaint:
I did a forbearance with XXXXXXXX XXXX XXXXXXXX and was completely mislead. 
Per XXXX, I could do a forbearance and this would not harm my credit in any way. I explained ; I would not be able to pay the amount at the end of the forbearance, they said not a problem. I could put amount that was owned on the end of my loan and do a modification, I said that works. Well, I did the modification but did not know my credit would be affected. I have been trying to get the negatives taken off my credit report and XXXX refuses, they stated letters were sent to me. I explained that my XXXX year old mom XXXX had a XXXX XXXX in XXXX, then another one in XXXX, so I never read any letters, I trusted what they were saying to me : GOD WHAT A MISTAKE. You can understand the stress that I was under and financial problem due to COVID-19. The worst part is I sold my house, and XXXX knew I was selling the house. I now can not get a mortgage company to give me a loan. I am XXXX and have worked my whole life for good credit. My credit has gone from in the XXXX hundreds down to the XXXX hundreds. I will be XXXX. I am a registeXXXX XXXX XXXX XXXX. I am sick over this. I don't know where to turn for guidance, please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 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 

15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C. 1681 Section 604A : It also states that a consumer reporting agency can't 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 2022-10-31
Company: Maximus Education, LLC dba Aidvantage
State: PA
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:
Below are the dates and details of interactions with customer service representatives at Aidvantage From XXXX to XX/XX/XXXX. 

XX/XX/XXXX Called Aidvantage early that morning to request a refund of payments made from XX/XX/XXXX to XX/XX/XXXX. The customer service rep confirmed they submitted a request for refund on payments. They gave a time frame of 6 - 8 weeks to receive the refund and that the account balance would reflect once the refund was received. The process was easy but felt rushed to be off the phone. 

XXXX Called to check the status and confirm refund amount and time frame. The rep was very kind and thorough. This rep did not see that any refund request was submitted, and said that the previous rep never submitted anything. They apologized profusely and then told me the refund amount. They said they first had to submit a " refund amount approval '' that could take until XX/XX/XXXX. They went on to explain this was likely to happen even sooner and that in another 4 to 6 days, they would begin processing the refund, from there it would take another 6 - 8 weeks to receive any funds from the Treasury and the account balance would update in the next 30 days. This information was conflicting from the last rep but they didnt even submit my refund request so didnt question it. 

The weeks following XXXX up to XX/XX/XXXX I checked my account balance with Aidvantage and XXXX often ( at least one to three times a week ). There were no updates or movement on any of my accounts. 

XX/XX/XXXX Spoke with a very friendly rep that confirmed the amount was approved on XX/XX/XXXX and still processing, nothing was sent to the Treasury. They said my account wouldnt update until they heard from the Department of Education and that wait times were quite high. They gave a new time frame of XXXX - XXXX weeks. Again, some conflicting information and very frustrating. 

XX/XX/XXXX Checked in on the status by calling in. The rep seemed the most informative so far and was understanding of my frustrations. They that said my refund amount was approved in XXXX and the new timeline is 10 to 14 weeks. The also said my Aidvantage account balance would update before I would receive anything from the Treasury which they were waiting to hear back from. 

Most of the reps were helpful, kind and understanding but after the initial lie about submitting a refund request and then on-going conflicting information about the status of my request and the timelines, my confidence that any of this information is accurate or that a refund will be processed is completely broken. Im especially concerned that if the requested refund is not processed soon, that I could be responsible for paying interest on loans that I never even let accrue any interest, all because of Aidvantages mishandling and incompetence.

Company response to consumer: Closed with explanation