BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX lists two installment loan amounts on my credit report ( {$410.00} & {$770.00} ). 

Both loan amounts were given via pre-paid debit cards in XX/XX/XXXX. The amounts were subsequently disputed in XX/XX/XXXX. Both amounts were XXXX XXXX out after the disputes, which I confirmed via a phone representative at XXXX on XX/XX/XXXX. Therefore the balance of the loans was XXXX, and I no longer owed anything. This information was confirmed via email and phone with XXXX. 

However, both amounts show that in XX/XX/XXXX, there was a 30-day late payment which is incorrect. Secondly, the other months XXXX XXXX, and XX/XX/XXXX-XX/XX/XXXX, show that the payments were on time. Both of these reports are incorrect, because the loans were both XXXX XXXX out/cancelled due to the disputes, and there was a XXXX balance. But XXXX continued to report that there was a balance, AND on-time/late payments. In other words, monthly payments were still reported as being on time, despite the balance being XXXX. 

There is a third installment loan of {$40.00} on my credit report from XXXX. This amount was also given via a pre-paid debit card. However this amount was fully refunded by the merchant, which I have confirmed with the merchant. XXXX continued to report this amount as current and past due on my account, until charging it off in XX/XX/XXXX. This account was incorrectly charged off, and there was a XXXX balance. 

These incorrect marks on my credit report violate several FCRA statues which are : not providing notice of furnishing negative information FCRA 623 ( a ) ( 7 ) ( A ) ( i ), and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information continues to be reported. It also violates FCRA 623 ( a ) ( 5 ) ( A ) which states the date of delinquency must be correctly reported to the CRA within 90 days. There are 0 sections that prohibit deletion.

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 2023-09-05
Company: Navient Solutions, LLC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient posted incorrect late payments on my credit reports. I was unable to qualify for a home and this issue has been devastating to me and my family. Starting in XXXX, Navient promised to remove two last payments if I made three timely payments in a row. They did not correct the issue. Furthermore, they also confirmed that my loan was approved for forbearance between XXXX to XX/XX/XXXX. My accounts still show 5 late payments on them each. I have contacted them multiple times and have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : 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 explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2019-10-07
Company: CITIBANK, N.A.
State: FL
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:
Citi XXXX XXXX  XXXX XXXX XXXX SD XXXX Dispute Denied on Citi Double Cash Card It seems from internet complaints that the business practice of credit card companies is to automatically side with merchants over customers. I was disputing an overcharge by XXXX XXXX XXXX ( XXXX ),  XXXX, Florida. It was supposed to be {$60.00} and I was charged {$240.00}. I claimed and proved that XXXX  had overcharged me. I went to XXXX County Sheriff 's office and they agreed that XXXX 's aggressive response immediately after my initial phone call, was suspicious. XXXX provided a case number for a report I filed about suspected fraud. XXXX  provided pages of blank boxes not filled with any price because they use an automated system. Other than a XXXX post that did not apply to what I was purchasing, they had no proof I agreed to the price they charged me. I did not receive a paper receipt nor did I see a total on the electronic signature pad. I didn't know I had been overcharged until I received the credit card statement from Citi. I initiated a dispute with Citi and provided overwhelming documentation including emails and a XXXX report that itemized the dispute. Citi didn't even read it. Citi sent a letter that stated that the merchant had to agree to refund the money. Really? That's the reason there is a dispute. Does this mean they can charge anyone anything and just not agree to refund it. Sounds like a formula for massive fraud. 

I understand that unscrupulous people make chargebacks for every reason, but I am not one of them and my credit report will document that. Citi has made an across-the-board business decision to deny all customer disputes unless the merchant agrees. The merchant can now charge anyone any amount and it will encourage and promote fraud throughout the world. Banks need to act in good faith with customers. And if it is true that this is an industry-wide trend, credit cards will cease to exist because if we can't trust them to ride herd on their merchants, we can't trust the system.

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to you with great concern and frustration regarding the persisting inaccuracies on my credit report, particularly in connection with an account held by XXXX XXXX and a collection reported by XXXX XXXX XXXX. Despite multiple disputes and providing irrefutable evidence of the following inaccuracies : 1. An address I have never lived in. 
2. Information I have no knowledge of. 
3. Discrepancies in my consumer report upon different timeframes. 

It is evident that both XXXX XXXXXXXX and XXXX XXXX XXXX  are consistently in violation of several critical sections of the United States Code, specifically : 15 U.S. Code 1692b ( 2 - 5 ) : The Fair Debt Collection Practices Act strictly prohibits false or deceptive practices when reporting information to credit bureaus. XXXX XXXX actions in this regard are inexcusable. 
15 U.S. Code 1692c ( a ) ( c ) : XXXX XXXX XXXX reporting of a collection that I have absolutely no knowledge of raises serious concerns about their adherence to the law. 
15 U.S. Code 1692g ( a ) ( 1-5 ) : I have not received adequate validation of this alleged debt from XXXX XXXX XXXX XXXX a clear violation of my rights under this section. 
15 U.S. Code 1681 ( B ) ( i ) ( ii ) : Both XXXX XXXXXXXX and XXXX XXXX XXXX have failed to accurately report my information, including the false address and information that I have repeatedly disputed. 
15 U.S Code 6801 ( a ) ( b ) ( 1-3 ) : XXXXXXXX XXXX inability to safeguard my personal information, as indicated by the inaccuracies on my credit report, raises concerns about potential identity theft and is a violation of the Gramm-Leach-Bliley Act. 

In addition, XXXX XXXXXXXX may be in violation of 15 U.S. Code 1681c ( a ) ( 1 ) ( B ), as they have continued to report information that I believe to be inaccurate and potentially fraudulent, further exacerbating my distress. 

Given the egregious and repeated violations of these consumer protection laws, I demand an immediate deletion and removal of the disputed information from my credit report. It is my right as a consumer to have accurate, fair, and lawful reporting, and I insist on the restoration of my credit integrity without further delay. 

I am determined to resolve this matter swiftly and to put an end to this ongoing ordeal. 

Sincerely, 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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
About 2 months ago Bank of America XXXX XXXX XXXX bank account with about XXXX XXXX They closed my account and stated that they have sent a cashiers check via ups. After about. A week or two no check was received so I called Bank of America. They gave me a tracking number and I called XXXX numerous times finally I got through to someone and they said I had to file a claim for a lost package so I did. When I called to follow up after a few days I was told that I couldnt inquire about this package and only the sender witch would be Bank of America so I did. Bank of America representative said that the previous representatives that I spoke to were incorrect and escalated the situation. The supervisor or manager informed me that not to worry they will place a stop check order and would reissue a new check now its been roughly a month and a half if not more still no check. So I called back today this representative told me they cant do nothing I would have to still wait 120days and that they apologize that I was misinformed but theres nothing they can do. I have to wait 120 days and then they will resend it. My biggest fear is what If the check gets lost again do I have to wait an additional 120 days. I will loose my business by then. I already experienced great hardship over this and am at risk Id loosing my livelihood because I cant get access to my money. I need help and dont know who to turn to for help. They back is refusing to help me they say I must wait. Is this 120day hold legal what can I do about 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 monetary relief
Consumer complaint received 2023-03-28
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 explanation
Consumer complaint received 2021-10-10
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is my second complaint against Wells Fargo. I tried to perform a wire transfer to XXXX on XX/XX/2021. I received a call later that day from the fraud department stating they called the sender and she told them the wire was fraudulent and she was going to recall the wire. And my account was being closed. The wire has never been recalled. Wells Fargo received a call from the sending bank and the sending bank told them the wire was not fraudulent. Wells Fargo told them they realized the wire was not fraudulent but they had " issues '' with me. The owner of the company who sent wire reached out to Wells Fargo and told them the wire was not fraudulent. Wells Fargo told his attorneys they had " issues '' with me. I was sent a letter by an XXXX XXXX asking did I dispute what the sender initially said about the wire. I went into the branch I normally do business and disputed what the sender said. I provide supporting documentation on this transaction and other transactions prior to any funds going into my 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 2021-09-26
Company: Experian Information Solutions Inc.
State: TN
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 have an XXXX XXXX account, which provides members with their FICO score. I continuously monitor my credit from this and other sources. A few days ago, I saw that my score went down almost XXXX points on the XXXX app, so I contacted XXXX XXXX XXXX and viewed my reports. Experian shows a XXXX account from XXXX reported XX/XX/XXXX as delinquent by over {$5000.00} in XXXX. I had a Chapter XXXX bankruptcy in XXXX, this account was on it. This should never have been allowed to be placed on my credit report as it was included in the bankruptcy, the account was not within the last 7 years and I believe I should have been contacted when it was reported. I have tried calling Experian and can not get to a person, tried their online dispute tool several times. I am unable to complete my dispute, the website keeps timing me out. Now the account I created says I have the wrong user name and password that I had just created minutes ago. I have maintained perfect credit since XXXX and I am proud of my record and my scores. I would like this to be removed and Experian should be investigated. Neither of the other two bureaus have this issue. 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 2021-07-23
Company: EQUIFAX, INC.
State: MD
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 is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX  : {$600.00} ; XXXX XXXX XXXX XXXX : {$630.00} ; XXXX XXXX XXXX XXXX XXXX : {$31000.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00}.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: LA
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 called Experian this morning and talked to someone in the Fraud Department that obviously knows NOTHING about federal law. I informed them that I am well aware of my rights and that Experian had 4 days to block the information that I identified as Identity Theft. I was told that was not true. I submitted a CFPB complaint XX/XX/22 and was told that the following accounts were no longer listed on my consumer report HOWEVER that is a lie and they are still listed. I was told that the companies have certified to them that they were accurate. However, nobody can tell my story better than me and if I have stated I did not open the accounts and there is no evidence to prove otherwise the information needs to be removed and blocked from reporting. 
I am a litigious consumer and I have been dealing with this deformation of character so long that it has begun to affect me moving and putting my family in a different position in life. I have been denied two loans within the last week because it appears I have more debt than is actually valid. I WILL SUE FOR THESE DAMAGES. I have all the proof that your company has been violating the law and I am willing to go to court since the fees will end up being paid by your company. This is your finally opportunity to cure. 
Acct # XXXX {$8300.00} Acct # XXXX {$39000.00} Acct # XXXX {$5600.00} Acct # XXXX {$3500.00} Acct # XXXX {$6300.00}

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