BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the 3 credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XX/XX/XXXX, then I followed up on XX/XX/XXXX. At that point, I sent a 3rd dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. With XXXX XXXX, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to COVID, but apparently when the mortgage sold to XXXX, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! For the XXXX XXXX XXXX XXXX XXXX account, there are 2 late payments reporting, neither were valid either! One of them, they admitted to their system being down due to COVID and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened 2 new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. For XXXX XXXX XXXX XXXXXXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to 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 2021-08-06
Company: Bliksum, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I took a loan with loanme.com in XX/XX/2021 ( Acct # XXXX ). I began having issues with paying the loan in XXXX of XXXX and removed auto-pay from my account. I contacted loanme.com to see if they can help me get back on track. They agreed to lower the bi-weekly payments by half and agreed only if I set auto-pay back up. I did that and was able to afford my payments, but now in XXXX they reverted back to the original payment and I am about to get overdrawn again on my checking account. There was no warning and they just changed the payment without authorization. I've spoken to some people who have stated that the loan interest rate is illegal in FL as well and that FL law requires that they offer me a payment plan if I am unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: NJ
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:
On Thursday XX/XX/2020 I mailed a letter to Equifax Information Services LLC to remove the errors on my XXXX XXXX XXXX XXXX  account. 

I informed Equifax that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Equifax that my account is not past due and there are no missed payment on this account. 

I further requested that Equifax correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Equifax has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX 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 2022-03-11
Company: AES/PHEAA
State: CO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My loan servicer is FedLoan Servicer and I have been working toward PSLF since XXXX. With the waiver from XX/XX/XXXX, payment I submitted prior to XXXX should count, so I have sent them additional proof of employment. 

I recently consolidated all of my loans so that all would be eligible for forgiveness. I received a letter from FedLoan that erroneously informed me that if I went forward with the consolidation I would lose all the history of payments since XXXX and that I would have to start over and make an additional 120 payments. This is untrue under the temporary waiver. The letter also referenced the waiver so it indicates that they are working under the waiver. 

This statement is untrue and it is clearly addressed in the Studentaid.gov website. The " warning '' that I will be restarting my payment clocks is very worrisome and anxiety provoking. My two options are : 1. Carry on with the consolidation based on what the studentaid website says, even though it is really scary to risk re-starting my loan counts. In effect I have to trust that I know more than they do; or 2. I cancel the consolidation which then means a portion of my loans ( about 20 % of what is owed ) is not eligible for forgiveness. If I were to follow the instructions from FedLoan I would not be receiving the full forgiveness that the waiver is for.

FedLoan Servicing is communicating incorrect information either unknowingly or knowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 addition with the fair credit reporting act Has violated my rights. 

Account # XXXX Re Late payment 15 U.S code 1681 section 602 A states I have the right to privacy.

15 U.S code 1681 section 604 section 2 also states a consumer reporting agency can not furnish a Account without Mt written instructions.

15 U.S. code 1666B A creditor may not treat Account under open and consumer credit Late for any reason.

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 2021-08-06
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: Information belongs to someone else

Complaint:
I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX ) and the Creditors ( XXXX  ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

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 2023-06-18
Company: Bread Financial Holdings, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 previously submitted a complaint to the CFPB on XX/XX/XXXX against Comenity Capital Bank due to unfair practices of not letting me pay off my debt despite calling and following up with them multiple times, and hitting me with delinquent payments and hurting my credit score. My credit score has still not returned to the original value it was at before I had opened a card with this bank. I have always responsibly paid off all my debts and worked extremely hard to increase my XXXX XXXX. Please see the attached file for my earlier credit scores ( in XX/XX/XXXX ), where XXXX was XXXX ( I'm currently only at XXXX ), and XXXX was at XXXX ( currently only at XXXX ). This is unacceptable and a violation of my rights as a customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: TN
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:
XX/XX/2019 RE : Unsolicited Email from Synchrony Bank that may be an indication that an account in my name has been breached (? ) Today I received 3 emails from Synchrony Bank that make no sense whatever to me. At XXXX XXXX   the message was titled, " A trial deposit has been successfully made to your ... '' ( My what??? ) An additional email also at XXXX XXXX. titled, " Action required on your application '' ( I have made NO application ), and at XXXX XXXX " A trial deposit has been successfully made to your AMAZON CREDITBUILDER. '' All of the emails clearly stated, " Please do not reply to this email. '' I tried twice today to reach this bank by phone. Both times I got well into their automated telephone messaging before I was told via an automated voice that they could not handle my call at this time. I then registered a compliant through their online system but the character limitations imposed in the online complaint field made that attempt next to being useless. In a nutshell : I can not reply to their email ; I can not reach a human being by calling their Customer Service number ; and their online complaint system is so limited it is worthless. 

If Synchrony Bank is taking lessons from XXXX XXXX XXXX on how to FLEECE their customers this needs to be nipped in the bud ASAP. Consumers everywhere may be at risk. If I need to go testify before congress to help resolve this issue I will be happy to. I will also be more than happy to share the 3 above referenced emails with the proper authorities. 

Disclosure : Synchrony Bank services a Belk credit card that I have but I am not aware of any other business that I do with them. They should NOT be opening Amazon Credit in my name or requesting any action in regard to an Amazon application in my name. 

I would like to attach the 3 referenced emails to this complaint but my printer ink is low, thus I am unable to print and scan them tonight. If an investigator would like for me to forward the email to them all I need is an email address and they will be on their way to 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 2023-12-07
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting {$500.00} was not paid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX, XXXX XXXX and Experian give notice that this creditor is providing false information. Unfortunately, Experian continue to report this error. This account was paid in full by the insurance company through XXXX XXXX when I injured myself at work and was no longer able to work. This loan had insurance, that was paid for in the event I could not work, which is what happened. The creditor ( XXXX XXXX ) was aware that I had insurance on this account he helped me file it. I filed the claim and money was paid to XXXX XXXX to cover the balance owed. Experian is aware this was an insurance claim that was paid in full. Experian decline to remove this error or put notice I was disputing this debt so that creditors would see it when pulling my credit report. This is a fraud account. 


XXXX XXXX XXXX is reporting I own {$670.00}. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This was reported as a fraud account. A police report was provided, Experian continue to report this against my credit file. The creditor was given written notice that this was a fraud account, they decline to remove this derogatory report off my credit file after months of trying to get this error corrected. Experian declined to remove it and declared it valid even after notice was given that this was a fraud account. I asked Experian to provide evidence that the creditor validated this claim, no response to my request. 

XXXX XXXX XXXX {$1800.00} is owed to them. XXXX XXXX XXXX XXXX XXXX XXXX I have never lived in an apartment. I own my own home. My identity was compromised during this time, a credit card was open as well as someone rented an apartment using my social security card. XXXX declined to request photo identification before putting a lease in my name. I contacted XXXX XXXX and was told the company was sold and no records could be found. Experian still continue to report this with no evidence to support this claim is valid. I own my home and never lived in an apartment and do not know anyone who lived there. Experian declined to have this removed and continue to report it after several disputes. This is a fraud account. 

XXXX XXXX is reporting a balance of {$4600.00}. This is not my account. I have disputed a few times. This account is older than 7 years but it is still being reported. 

XXXX XXXX is reporting an account as delinquent. Account was paid in full under insurance claim filed after I was unable to work due to health issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
Were the Consumer Financial Protection Bureau, a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders and other financial institutions. 

I AM NOT BEING TREATED FAIRLY BY NAVY FEDERAL!!!! EVERY MONTH THE XXXX  USELESS INCOMPETENT XXXX FIND NEW WAYS TO SCREW ME OVER AND I'M SICK OF IT!!!! THEY ALLOWED A FRAUDULENT CHARGE ON MY XXXX AND NOW REFUSE TO SEND ME A REPLACEMENT!!!! I PAY MY CREDIT CARD BILLS ON TIME AND IN FULL EVERY MONTH!!!!! IF SOMETHING HAPPENS TO MY VISA THEN I WILL HAVE ZERO CREDIT CARDS TO USE!!!!! WHICH ALSO MEANS I WILL BE WITHOUT CELL PHONE USE SINCE MY CELL PHONE IS PAID EVERY MONTH ON MY CREDIT CARD!!!!! THIS IS COMPLETELY UNACCEPTABLE AND I WANT MY REPLACEMENT XXXX SENT TO ME IMMEDIATELY!!!! WHY DO I HAVE TO SUE NAVY FEDERAL TO GET CUSTOMER SERVICE????? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CITIBANK, N.A.
State: FL
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:
My CitiBank XXXX XXXX ending in XXXX was charged with {$3000.00} worth of fraudulent charges from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The dates of fraudulent charges were between XX/XX/2022 - XX/XX/2022. I did not initially notice the charges because I pay my credit card bill via auto-pay. However, when my balance was so high, I became alarmed and upon researching, saw multiple fraudulent charges over a few months. I contacted CitiBank immediately and that card was then closed. Citi stated that they would open an investigation. I never heard anything regarding the outcome and this was about 6 months ago! One day in XX/XX/2022, I called Citi again, they sent me a letter stating that the investigation was opened and that is the last I heard from them. Today when I called XXXX, they said my claim was closed/denied because they could not reach me. I find that hard to believe because I have been WAITING to hear from them! That's why I called them again! In addition, I have had the same phone number for 40 years! My address has changed, but I have my mail forwarded via the XXXX. I do not believe them when they say they could not connect with me and therefore, " denied '' my claim. I have email mail. It all sounds too convenient for them to say, " we could not connect with you so we denied your claim. '' I'd LOVE to speak/connect with them to get this handled once and for all! On an other note : Upon looking at my statement, it can easily be seen that charges were made simultaneously in XXXX XXXX AND XXXX  on the same day - how could I possibly be in 2 places on the same day on opposite sides of the country?! No, I did not lose my card. Yes, I am willing to file a police report if necessary. All the while I am accumulating interest fees and my credit is affected by this as well. Today I called again and after 45 minutes of phone XXXX with ignorant people, Citi claimed they will re-open my fraud investigation. I do not trust Citi to help me or do the right thing because they have not in all these months! 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 2023-12-02
Company: U.S. BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Per offer term, The business checking bonus will be deposited into your new U.S. Bank Silver, Gold, or Platinum Business Checking account within 30 days following the last calendar day of the month you complete all the offer requirements, as long as the account is open and has a positive available balance. 

The account was opened on XX/XX/XXXX and the last calendar day of the month all requirements were completed is last day of XXXX. It has past the deadline for bonus deposit. 

Please kindly advise.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: ID Analytics, Inc.
State: IL
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 to the Fair Credit Report Act XXXX XXXX ; XXXX XXXX  ; XXXXXXXX XXXX XXXXXXXX ; US Dept of EducationXXXX has violated my rights Please remove ALL inquiries XXXX XXXXXXXX, XXXX ; XXXX  XXXX ; XXXX  15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation