BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: SC
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I called Experian to dispute and change dispute status on a few items on credit report and a representative was in the process of verifying my address when she stopped and said she didnt see my address on file and I would have to upload my identifications. I been using Experian for months and never have I had to do this she was talking over me and I requested for a supervisor and was on hold for about 20 minutes. 1. The Experian.com/uplaods do not work on my computer and I complained about that having to send things certified mail. 2. Not having my address or proper information all this time means that my disputes have not been investigated properly cause it keeps coming back remain or validated and according to FCRA sec 623 enforce FACTA 312 if your unable to perform a reasonable investigation then by law you are required to remove the negative items and information off the account. Experian has to be accountable for their actions

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 2023-10-26
Company: U.S. BANCORP
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Several months ago I asked U.S. Bank to stop sending me paper statements because we need to save trees and because of mail theft. I said I only want paperless statements just like any other company I pay bills to. But when you try to click paperless statements on their website it said something like your account isn't eligible. So I made some calls and some complaints requesting paperless only. Well the paper statements stopped coming, but then in XXXX the statements on the website stopped coming too. I can see the statements for XXXX, XXXX, XXXX and XXXX on their website. But XXXX and XXXX are noticeably absent ( and XXXX but that probably hasnt been released yet ). So I called U.S. Bank on the phone about this matter and one of their phone reps claims they are aware of the problem of statements not showing up online for clients. I find that hard to believe because that means this problem has been unresolved for 3 months now. I find it hard to believe a reputable and professional company lets their clients go 3 months without being able to see financial statements. I filed a XXXX XXXX XXXX complaint against U.S. Bank about this, asking for the statements. On XX/XX/23 the XXXX wrote to me saying " XXXX XXXX XXXX has received a response from US Bank addressing some or all of the issues raised in your complaint. Upon review, the XXXX has determined the company has chosen to remain firm in their position and not offer an alternative resolution. '' U.S. Bank is holding my statements hostage. How am I supposed to report the interest on the loan through my taxes? Why isn't U.S. Bank taking this more seriously? This is unacceptable.

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 2023-08-16
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:
there are credit cards on my credit report that ii have no knowledge of that i never used or authorized

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 2020-06-18
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The afore-screen did not have my option, so I chose what may be similar to my issue : " Problem Using debit or ATM card etc ... '' On XX/XX/2020 I received a text from Key bank stating my balance, I immediately called Key bank and stated " The amount is incorrect '' I searched for my wallet and noticed that is was not in my car. I informed the Key bank representative that " My wallet has been stolen out of my car and the charges are fraudulent '' Moving forward I told them to '' cancel my cards ''. Also I asked " Can I put a pass code on my account '' in which I did. On XX/XX/2020 I called Key bank to set up my cards into " XXXX '' I called XXXX, the representative asked for identifying information, name, last 4 social and birth month and year. The representative stated " Will you please hold while I access your account? '' I stated " How can you access my account and verify me and you have not asked me for my postcode, the person who stole my identity can give you the same information that I have given you, this is why I added an extra security to my account by adding a pass-code that they would not know? '' Then and only then did the Key bank representative ask me for my pass-code. I gave the Key bank representative my pass code, she then states " I must call the Key bank branch to verify your pass code '' I stated " I did not set my pass code up at a Key bank branch I called XXXX 's customer service department '' She states " Please hold I must contact the branch '' In which she kept putting me on hold, because a branch never responded. Moving forward she connected me to someone else. The individual stated " She is not sure why the Key bank representative did not ask me for my pass code, she is not sure if the system had prompted for my pass code, but upon her further looking into my account she noticed and stated I see first the red banner, it is the first thing that pops up alerting identity theft on your account '' The representative is not sure why she did not ask me for my pass code. I stated to representative, I am upset I have taken all safe guards necessary protect my account and this is unacceptable. The person that has my Driver 's license, social security card and birth certificate can call Key bank and give a Key bank representative my information and key bank will give the thief access to my account, this is unacceptable my identity has been stolen and my account has been compromised. My pass code should have been asked of me. I feel violated and feel that my account is not fully protected as it could be. If only the representatives across all departments ask me for my pass code will give me some relief and security.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have had private loans through Navient since 2006 because I did not qualify for federal loans due to my parents income. I went to school to be a teacher, I do not make a lot of money. Although Navient is currently working with me on lowering the interest rate, my loan amounts have doubled or more in many cases due to forbearance etc. these loans were put into forbearance when I had previously called to lower payments because I couldnt afford them. Rather than work with me, Navient deceived me and they have cost me roughly 30k in interest that I cant afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX  Date Filed/Reported : XX/XX/XXXX Reference # : 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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
on XX/XX/XXXX & XX/XX/XXXX I noticed 2 inquiries from XXXX XXXX XXXX XXXX XXXX. I keep track of my credit inquiries and lost my state ID in XXXX so I know this is identity theft. I have since locked my report and the reporting bank is telling me I can not have these items deleted! The 3 credit bureaus won't help and is bringing me to fight 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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 am writing to report a concerning issue related to fraudulent inquiries on my credit report. I recently discovered unauthorized credit inquiries that have been made in my name without my consent or knowledge. 

These fraudulent inquiries have the potential to adversely affect my credit standing and overall financial well-being. I am deeply concerned about this situation and would like to request the assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter. 

I have contacted the credit reporting agencies, specifically TransUnion, XXXX and XXXX to dispute these fraudulent inquiries. And they refuse to remove them. 

I believe that additional intervention is required to fully investigate and resolve this fraudulent activity. I kindly request that the CFPB assists in coordinating with the relevant agencies and institutions to identify the perpetrators and ensure that my consumer rights are upheld. 

I have attached copies of the fraudulent inquiries. Your prompt attention to this matter is greatly appreciated. Please acknowledge receipt of this report and provide guidance on any further steps I should take to address these fraudulent inquiries. 

Thank you for your assistance in helping me resolve this issue.

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 2020-06-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
** ( UNFAIR CREDIT** ) REPORTING EQUIFAX RECORDS MY BAD CREDIT. I call CONFLICT OF INTRESTS Income is derived from CREDITORS NOT CONSUMERS. ( Scores provided are Bias. ) Also Equifax Data Breach Website says MY PERSONAL INFORMATION WAS IMPACTED. The website requires hand movements my paralized hands are unable to do. I am XXXX years old. Grew up pay phones I AM UNABLE TO ACCESS THIS SITE DUE TO MY XXXX. XX/XX/XXXX I had fraud on two credit cards I HAVE NEVER RESOLVED!! I AM OUT {$8000.00} ON XXXX NOW. MY CREDIT DESTROYED. Equifax Data Breach Website says IT MAY BE XXXX FOR ANY CLAIMS PAID & {$120.00} .... SERIOUSLY?? My Private DATA is now on Dark Web for MORE FRAUD.. What Laws Protect the XXXX Elderly Targets? THIS IS NOT EVEN CLOSE TO FAIR!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX 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 2023-03-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$0.00} ; XXXX OF XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX OF XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

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 2023-09-09
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-11-15
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am being sued by JPMorgan Chase for XXXX XXXX XXXX ( one I've had for 30 years ). My husband XXXX XXXX XXXX XXXX XXXX  and I'm on XXXX and we didn't have income for a year during the pandemic. I got behind on my credit cards. I called to see if I could pay {$50.00} a month, and they only wanted the minimum payment. I simply couldn't keep up. They are now suing me for the cards. They have locked me out of my online portal so I'm unable to show the judge the true amount of the debt, which they are exaggerating. Their documentation to the court shows only a one page of a statement ( showing balance of {$26000.00} with a minimum payment due of {$4300.00} and the second card showing {$27000.00} with a minimum payment of {$5100.00} ). They submitted little knowledge of the actual debt details and using their corrupt " robo-signing '' to sign off on the account, which is contributing the the inaccurate claims of debt owed. JPMorgan is back to XXXX practices of filing tens of thousands of lawsuits, while only showing an affidavit swearing the truth of Chase 's claims that is signed by a XXXX  employee with little knowledge of the actual details the accounts. This practice of signing off on paperwork without reviewing any evidence is what they did before - when they promised the CFPB to provide better supporting documentation. The provision against Chase expired in XXXX and here we go again and I'm a victim of their practice this time. I would like more evidence. I am looking at filing XXXX  XXXX bankruptcy because of this situation. I would like to resolve this but there is no one to talk to. I've even reached out to their " attorney '', who was very unhelpful, however stated he would send me documentation to verify/prove ( not the one page document they submitted to court ) I went to initial hearing on XX/XX/XXXX and no one showed up on their end, I denied the accuracy of the amounts and it is now set for pretrial on XXXX XXXX, XXXX. I have talked to attorney general as well, and am seeking help from an attorney. Chase is back to it's dirty games.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence. I have taken the liberty of providing you with the necessary documents to substantiate my claim.

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 2023-03-04
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: Reporting company used your report improperly

Complaint:
My name is XXXX 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 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 2020-02-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have contacted Equifax several times about removing that ridiculous fraud alert. I even created an account on my equifax but there is no option to remove it. The alert is causing me denials for credit. i want it removed immediately before I sue equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: MS
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Newrez/shellpoint reported my payments 90 days late. I was in a government awarded forebearance plan that ended in XX/XX/2022. I started a loan modification in XX/XX/2022 made the trial payments on time and was than awarded the modification. I was never late. I was in a forebearance plan due to being unemployed during the pandemic. I was in a financial hardship. Im now back to work making my payments on time. My credit score dropped XXXX points. My rates went up. Auto ins went up. My credit cards went up and some dropped me. I tried to dispute this with the mortgage company and XXXX. Nothing!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation