BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: ID
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:
In XXXX of 2020 I fell ill with XXXX XXXX after XXXX XXXX diagnoses. After a few months of only being able to afford partial payments I reached out to XXXX, who I have a loan with and they helped me under the cares act and on XX/XX/2020 received a loan modification to omit the late months and reduce payments through XX/XX/2020. I made payments per agreement and once XXXX  was established back on regular payments for 6 consecutive months as was told had to have that before I could refi under the cares act from other lenders. During this time my other accounts were closed by lender due to low credit score. I didn't realoze the damage as I applied in XXXX then again in XXXX and time expired ( my fault ) then I received a flier in mail saying I could get a home equity loan 3rd party and needed credit score if X amount so I pulled my credit and found the errors in report. I then tried to get a loan to pay off closed accounts and unable to qualify. I filed a dispute with all 3 credit reports and XXXX said reported credit correctly and did not change. I filed a complaint with XXXX and the XXXX and they are currently processing a " mini loan '' so I can pay off bills and reset the reporting on credit for loan. Per my consumer credit rights I am requesting a through investigation as my attempts to resolve have been unsuccessful and I am needing new windows for my home and can not qualify for the loans under cares act due to 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 explanation
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: GA
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 Act XXXX/XXXX  XXXX  XXXX ( Account # XXXX ), has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights 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 2023-09-20
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Ace Cash Express directed me to Populus Financial to pay off my previous account. I experienced hardship during the Covid 19 epidemic and I applied for a payday loan. I wasnt aware of this installment loan nor the high interest rates. Even though I made payments towards my ACE Cash Express account, my banking institution stated, the merchant whom received my payments was through a currency, or to a foreign country. My banking institution told me to contact the merchant to verify my received payments and to show proof of payments receive to a company within the United States of America. I asked Populus Financial for an invoice and I spoke to several supervisors for assistance. My payments to Populus Financial did not leave me in good standing with Ace Cash Express. The interest rates for this online installment loan should be further investigated. Populus Financial stated, No third parties are working on the companys behalf, however, the company has failed to properly report updated information regarding customers accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
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 recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXX and sue on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit XXXX XXXX XXXX XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. 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 2021-12-14
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-09-20
Company: Experian Information Solutions Inc.
State: GA
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:
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 explanation
Consumer complaint received 2022-01-09
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for a XXXX XXXX credit card. I have had issues getting my statements from them. I contacted them numerous times asking why I was not receiving statements. I also after the third month of issues spoke with a supervisor. She told me she would set me up for auto draft payments. Today, as I laid in the bed with XXXX, I received a call from Comeity Bank who stated I was late on my payment. They tell me that the auto draft stopped this month. I had to enroll online for the payments to continue. I explained again I didnt have a statement to get rhe number off of. I told her that the last supervisor I spoke to set me up on auto draft and there have been no issues. She told me that I had to go online and she wouldnt do this. She asked me about email statements. I told her that would be perfect and I had not been offered that before this call and that I wanted whatever I needed to do to be able to pay my bill. She stated that it was showing my statements delivered. I told her why would I be telling a lie when I have set my statements on auto draft and their company wont do this but for 3 months? They have charged me late fees and were of no help. I am waiting on my email statement and I paid the bill but the late fees will now be placed on my account. This is so unfair that this company has clearly taken advantage of me. I also told them I was recording this call and they refused to speak to me but they said they were. I told them then I did not agree and they stated they could not speak to me the. Where are the customer rights? Where does this stop? XXXX and XXXX are the two I spoke to today valierie being a supervisor. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
The below listed account was CHARGED OFF in XX/XX/2018. This account has since been updating as CO every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 
Please remove the following account : Name of Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, Your Name

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 2023-06-05
Company: Prince Parker & Associates
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is about XXXX XXXX XXXX XXXX sending a wrongful debt of XXXX XXXX on my name to the debt collector Prince Parker. I an ex XXXX XXXX XXXX XXXX. I had closed down my XXXX XXXX XXXX internet and wireless account more than 2 months ago & I moved to another provider for better services. Before closing down XXXX XXXX XXXX, I paid all my due bills for internet & wireless account. I did not owe anything to XXXX XXXX XXXX. I moved my home internet and mobile provider to another provider and now I am not even an XXXX XXXX XXXX customer. I checked my online account & also spoke with the XXXX XXXX XXXX Customer service and I was told that I do not owe anything to XXXX XXXX XXXX and my balance is XXXX. Then why did XXXX XXXX XXXX wrongfully report this to Prince Parker Debt collector when I do not owe anything to XXXX XXXX XXXX. Again, I am not even an XXXX XXXX XXXX XXXX XXXX XXXX customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts form my report. 

US DEP ED XXXX {$6200.00} US DEPT ED XXXX {$8700.00} US DEP ED XXXX {$5000.00} XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX {$8300.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$1400.00} XXXX  XXXX {$420.00} XXXX  XXXX {$450.00} XXXX  XXXX {$200.00} XXXX  XXXX {$50.00} XXXX   XXXX {$200.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX XXXX {$56.00} XXXX  XXXX XXXX {$200.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX   XXXX {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting 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 explanation
Consumer complaint received 2023-07-12
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: Information belongs to someone else

Complaint:
these accounts that i am disputing are due to identity theft and fraud and need to be removed. I did not provide permission for you all to furnish anything. As A consumer i know my rights per 15 usc 1681 b.

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 2023-04-11
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
2 checks total amount of {$4000.00} was deposited in my account in 2 different date without my account number by a stranger that I did not know. I went to the bank 10 minutes after they were deposited. the bank assured me the funds are good and available to withdraw. I used two different branches to make sure the funds are valid, asked if you verify the funds and if the funds are good to withdraw, They both assured me all is good. I withdrew total of {$4000.00} in 2 branches the same day as it was deposited. 4 days later, the bank overdraw my account because the checks were fraud. ( XX/XX/XXXX for {$1800.00}, 2 days later XX/XX/XXXX {$2200.00} ) The bank should have hold and verified the funds before giving me the money. I had to come up with {$4000.00} to cover my account. The person who deposited the check did not show and ID, and did not have my account number. They are no where to be found. This is bank mistake to allow this without proper ID. I tried to resolve the issue with the bank. But they said I am responsible while they made error of letting stranger to deposit with knowing my account number or showing legal ID. They need to be held responsible for this. They could have prevented this fraud at so many different level like holding the check til its clear before releasing the funds to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Navient Solutions, LLC.
State: CA
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:
Navient has recently submitted a bill ( statement date : XX/XX/XXXX ) associated with my account number XXXX that wrongfully states that I failed to issue a payment. Throughout XXXX I have complied and submitted my specified IBR payment, {$550.00}. Even their own account history reflects that I have faithfully submitted payment each month. The last payment made in XXXX shows that they applied {$470.00} to interest and {$75.00} to fees. This application of my payments was divergent from prior months wherein it all went to interest. On a side note, I thought during student loan payment pause that my payments would be applied to principal, but that past two years reflect that nothing has gone to principal. 

It is typical behavior for Navient to engage in false billing practices then unilaterally and falsely assert unpaid fess on my federal student loan account. I have previously submitted a complaint regarding wrongfully assessment of unpaid fees applied to my account due to their fraudulent and willful failure to accept my IBR application. They also purposefully misdirected me to enter into a hardship deferment when IBR was the best option. Those disputes remain continuously contested originating in XXXX with no resolution. Again, it appears that Navient is attempting to assess wrongful amounts and fines against my federal student loans. While others student loan borrowers have been able to enjoy the payment pause on student loans over the past two years, I have paid my IBR payments only to meet harassment at this juncture. 

Borrower : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: TX
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to 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 2022-03-25
Company: EQUIFAX, 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 information incorrect

Complaint:
To Whom It May Concern, Dear CFPB, I would like to inform you of the negligence of the consumer reporting agency I am submitting a complaint against today. This CRA has been reporting incorrect and unvalidated information on my consumer profile that needs to be deleted immediately. I have not received any notification that my previous disputes have been initiated. I have attached my dispute to this complaint, and I am requesting that this CRA investigate these negative accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting 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 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 explanation
Consumer complaint received 2022-11-08
Company: SYNCHRONY FINANCIAL
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I had a Paypal account and there were charges on it I did not do. I do not have the dates cause can't get into the account because I closed it. They have sent a delinquent payment to the credit bureau which has caused my credit score to drop over 55 points.

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 2023-06-05
Company: FIRSTBANK PUERTO RICO
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX We are approaching the 60-day mark on this CFPB complaint.

The original problem caused by FirstBank of Puerto Rico dates back to XX/XX/XXXX. 
Their original {$5000.00} mistake has now accumulated over {$500.00} of interest charges and fees, and, due to them continuing top report this matter to the credit agencies, it has knocked XXXX points off my credit score. 

They have ignored me for more than 6 months and are now ignoring a Federal Agency for 2 months. 

Time to turn up the heat. 
Bring charges against them and I'll hire a lawyer and sue.

Company response to consumer: Closed with explanation