BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: Maximus Education, LLC dba Aidvantage
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: Account information incorrect

Complaint:
Now that my loan was transferred, Aidvantage has not updated the credit reporting agencies with this information. The balance and date closed fields would need to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
I Placed a call to Experian, also mailed Experian and this is my second CFPB complaint regarding inaccuracies being furnished on my credit report that need to be removed immediately due to it causing extreme difficulties in my everyday life. I was told by a supervisor that the items that I reported as inaccurate would be removed within 4 business days according to federal law. It has now been two weeks and nothing has been removed. All incorrect address that are not XXXXXXXX XXXX XXXX XXXXXXXX, PA XXXX, all invalid phone numbers that are not ( XXXX ) XXXX XXXX, all incorrect employers that are not ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and specific collections & closed account reporting inaccurate information, I was advised these items would be deleted in XXXX days, I was also told that a dispute was not filed but a request for deletion. I have made several attempts to remind them of their duty of 15 USC 1681 accuracy and fairness of credit reporting. It seems as though Experian is intentionally neglecting remedying my affairs. Also my life! 15 USC 1681 a ( d ) states as a consumer I and due, promised accuracy on my credit report based on Federal Law. 15 USC 1681i ( A5 ) states that after reinvestigation all unverified information must be promptly removed and the records clearly show that it was never properly investigated so it can not be properly verified or validated. Due to the above reasons Im asking that ALL NEGATIVE closed account, charge off accounts, collection accounts, incorrect reported invalid addresses, employers, phone numbers, incorrect spelling of names, to be removed from my credit report per federal law. I can provide the confirmations numbers from the call as well as recordings, not only are these companies violating our rights they are lying in our faces!

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 2023-08-28
Company: ALLY FINANCIAL INC.
State: MD
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 do not recognize the following inquires

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 2022-12-29
Company: Experian Information Solutions Inc.
State: UT
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: TX
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  # XXXX, XXXX XXXX  TX # XXXX, XXXX  # XXXX, XXXX  # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 # XXXX, XXXX XXXX  TX  # XXXX, XXXX  # XXXX****, XXXX  # 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

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 2023-05-23
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX  : XXXX, XXXX : XXXX, XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I had to break my lease due to Covid 19, and I am now living with a family member. I had to break my lease because of medical complications, and was unable to afford my apartment. The charged me a fee, of which I told them I would do the best I could. I paid half of it, and cleaned the apartment and they rented it out right away. I told them I would make payments on the rest of it. But they turned it over to a collection agency that calls several times daily, and clearly refuses to work with me. And they have put negative marks on my credit report. I am not sure why they would need such a large amount anyway, since the apartment was clean and was rented out the next week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I bank with chime and they suspended my account for some policy i broke that i wasnt aware of. I have over XXXX in that account and want my money back i even sent them the necessary documents needed to prove where the money came from and still no reply its been a week nobody contacted me or emailed me and after looking at all them reviews i feel like i will never see my money again please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
So somebody opened a XXXX  under my fathers name and been taking money out of my chase checking account for months and I really did not look into it until one day I realized how my money was negative and it was down to a point where the bank started charging me XXXX $ fee a day and night and unfortunately whoever was doing these transactions had my online banking or my debit card access to be able to take money out of my account thru XXXX  and Ive called the bank let them know what was going on they told me I was supposed to receive all my money back to my account by next 10 business days and I never got a XXXX XXXX back from them and I called them afterwards they told me that they closed the case and I am not receiving the funds back and its really a huge amount of money for me when I have a XXXX XXXX XXXX and also has XXXX kids to take care of and its just stressful for me to get robbed for almost like XXXX XXXX dollars out of my bank and I dont know what to do at this moment please help me out with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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: Investigation took more than 30 days

Complaint:
My consumer rights have been violated. Pursuant to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer reports being fair, and accurate to me. You allowing insccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, and as a result I will no longer be extending my credit to anyone, nor will i allow you to furnish a report on my behalf as a result. If you would like to continue to do business with me I am demanding that you do what I say Immediately! You have not followed the procedures when preparing my consumer report pursuant to 15 USC 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. These violations results in {$1000.00} in damages for each violation I find if my demands are not met. Remove all derogatory items on my credit file listed in my documents attached or be civil and criminal liable pursuant to 15 USC 1681n and 15 USC 1681o of the Fair Credit Reporting Act.

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 2019-10-22
Company: Experian Information Solutions Inc.
State: SC
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:
Im unable to upload this information via EXPERIAN.comXXXX im not sure if the server is down or theyve blocked my IP address. Ive mailed in these documents before, and according to several agents, its required and exactly whats needed to process the removal of these fraudulent entries to my personal credit report. Today I am unloading them via the CFPB, and I will mail them certified mail with tracking and return receipt so I know exactly when they are received.

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 2023-01-31
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:
I am challenging an account that Experian is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Experian last month informing them of this, but my request fell on deaf ears. I do not believe that Experian started an investigation. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Experian reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Experian. Also, Experian is not reporting accurate information. The status says paid, 60 days late, but the payment history shows different data. How is this accurate? Please see the attached documents and remove the account from my credit report.

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 2022-12-29
Company: EQUIFAX, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-28
Company: CarMax, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
At the moment all I can say is that I know who ( which ) Nonprofit community organizations in XXXX XXXX Al XXXX help me with my HOMELESS ESG XXXX PANDEMIC FUNDS Provided TO HELP ME ( RECIEPTANT ) BE LIVING ING A STABILITY HOUSING ..I HAVE DOCUMENTS OF HOW THEY HAVE TOOK THOUSANDS OF UNNECESSARY GOVERNMENT FUNDING TO MISUSE AND FRAUDULENT DAMAGE MY CREDIT AND PUT ME IN a over my Budget place and blocked me off the programs and stealing still through the EMERGENCY RENTAL ASSISTANCE PROGRAMS AND ALL OTHER HELP TO ... ITS SOO MUCH I JUST SO OVERWHELMED. I'VE BEEN LIED, Threatening, cuss and destroy distract destruct destruct. This has been going on since XXXX - XXXX ( {$550.00} Wkly at Red roof inn room # XXXX XXXX, XXXX  ( as my caseworker XXXX XXXX XXXX XXXX XXXX, XXXX  ) IN KAHOOTS WITH ARCH ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied and was denied credit from Amazon XX/XX/2020 ( violations of 15 USC 1611 and 15 USC 1691 ).

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 2023-08-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
MY NAME IS XXXX XXXX AND I HAVE BEEN A CITIBANK CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY XXXX SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX  AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO CITIBANK AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT CITI BANK IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.

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 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
To Whom It May Concern : It has been brought to my attention that { Truist bank } has listed { negative listing } on my XXXX file. To my knowledge, I have never had account with { TRUIST BANK }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { TRUIST BANK } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this TRUIST BANK be permanently removed from my XXXX report. For your records, my contact information is as follows : 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