BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: FL
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 writing of complaint about Experian Credit Unions failure to delete an inaccurate, adverse account from my credit report. The account I am disputing is XXXX XXXX XXXX associated with account number XXXX. I do not recognize or owe the said balance on this account. The balance listed on this account is INCORRECT. Experian has also failed to substantiate that the account is mine. Experian is are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. Experian also has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. I am requesting that Experian delete this unverifiable account immediately 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 2019-01-31
Company: AES/PHEAA
State: PA
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:
Through a series of complicated, opaque consolidations, and an application for Public Service Loan Forgiveness, I ended up with a large amount of student debt serviced by XXXX XXXX. ( {$100000.00} total, spanning undergraduate, XXXX XXXX, and XXXX study. ) I applied for Public Service Loan Forgiveness in XX/XX/XXXX/XX/XX/XXXX, shortly after I began a full-time position at XXXX XXXX, a qualifying XXXX XXXX  institution for Public Service Loan Forgiveness. I received an acknowledgement that I was approved for PSLF. I worked at XXXX until XX/XX/XXXX, when I left in preparation for a new XXXX  position at XXXX XXXX. I have been at XXXX since XX/XX/XXXX. 

According to my XXXX  account statement, I began making payments toward my balance in XX/XX/XXXX. ( I completed my XXXX  in XX/XX/XXXX, so I assume the gap is due to a repayment grace period. ) During the next year and a half I continued to make payments on time. For the month of XX/XX/XXXX I was officially unemployed, as my post at XXXX XXXX   began in early XX/XX/XXXX, but I continued making loan payments.

I have been sending repeated inquiries to XXXX to determine whether I am still enrolled in Public Service Loan Forgiveness and how many qualifying payments I've made. I have received cut-and-pasted responses to most of my inquiries since XX/XX/XXXX. ( They did finally confirm, on XX/XX/XXXX, that XXXX XXXX  counts as a PSLF-qualifying institution. ) I contacted them in XX/XX/XXXX to request that they remove paid-ahead status from my account, which seems to be the same tactic they have used to effectively remove payers from the PSLF payment scheme. I had never requested that my account be placed in " paid ahead '' status and do not understand why this was done. XXXX claimed that some of my payments did not qualify for PSLF for this reason. 

All I'm requesting is that XXXX  accept all of my payments since XX/XX/XXXX as qualifying PSLF payments. I'm aware of the class-action suit against them and don't want to be another victim of their predatory practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01
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: Information belongs to someone else

Complaint:
This is unbelievable, bureaus keep up with incredible reporting practices because they put stuff on my credit file without even informing me ahead of time.. They don't belong to me, I did not have an account with these companies, Please delete the mentioned accounts XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXXXXXX XXXX XXXX account ending in XXXX. This is a 30 day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights.

Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2020-08-17
Company: Harris & Harris, Ltd.
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:
XX/XX/2020 HARRIS & HARRIS, LTD Agency number XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is  {$150.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this tradeline to be removed from my credit file as soon as possible. The original creditor number that is listed is XXXX. 
This erroneous and illegal tradeline is damaging my credit greatly! Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Chime Financial Inc
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Credit Bureau records show that my Chime credit card currently has a balance of {$650.00}. However, the correct balance is {$0.00}. I disputed the amount with XXXX Credit Bureau, but they said that Chime informed them I still owe {$650.00}. I disputed it with Chime, and they denied reporting that information to XXXX Credit Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/2023, I made what I thought to be a payment to my Golden 1 credit card account. There was a pop up saying system maintenance in progress but nothing to state I couldnt make the payment. I assumed the payment went through because it acted like it did. Fast forward, I find out the payment didnt work due to their constant system maintenance. When I called to not only make the payment but also take care of the late issue, I was told that I shouldve known better and had other methods to make the payment. This is not true because I did my due diligence in making the payment. Even if I had known it didnt go through, which I didnt, I am a XXXX veteran. Golden 1 does not need to know of my accessibility to other methods like phones, vehicles, internet, etc. I made the payment in the one way I was able to. I am now being punished for this. 

Golden1s terrible system and constant upgrades hinders our ability to make payments. 

In addition my response to them included the following : It is not acceptable to be literally the only credit card company that does not send out Payment Upcoming emails. Unlike all major companies like XXXX XXXX, Golden1 instead sends out generic emails that say Your Statement is Ready. Statement is confusing, misleading, and the emails do not give details like date due, amount due, etc. Please take a note from XXXX XXXX playbook. 

Your system upgrades are confusing and misleading. They should completely shut down the site with a full page System Upgrades in Progress banner. Instead, Golden1 allows a user to log in and perform some things, as in my case, just to later find out they didnt work such as my payment made within the 30 day grace period.

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 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I received an email from Capital One : We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance - plus all interest earned - will be transferred to your linked external checking account. 

*All phone conversations below I have saved recordings that I can send per your request* XX/XX/2020 - I called the number provided in the email and spoke with an account specialist that informed me my account was suspected of fraud and asked me to verify some recent XXXX transactions by providing them a name and phone number for the people I had transactions with. After I provided them with the information requested, the account specialist claimed that she was not able to hear me which eventually led to the call being disconnected. 

XX/XX/2020 - Contacted the same department and the representative informed me that Capital One will no longer offer me banking services now or at anytime in the future with no further explanation. She assured me that my accounts will be closed and a check sent for the balance in each account. 

2 Checking accounts 1 Savings XX/XX/2020 - I received two checks in the mail ; one for my savings account and my secondary checking account. My main checking account with a balance of {$4400.00} was not included. So I assumed it would be sent separately and was anticipating it in the coming days. 

I called 3 times between XX/XX/XXXX and XX/XX/XXXX and I was always transferred to a voicemail. Left a message and never was never contacted. 

XX/XX/2020- Called the same number and this account specialist was about to transfer me to that same department. I asked him when this department was open because it has always been a voicemail in the past. He explained that it is always a voicemail on this line - He literally says there is no one that can help me. Ended up transferring me to a manager that ultimately transferred me again where I was placed on hold for an hour before I finally hung up!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I am unable to pull the information. However, I received overdraft fees. My personal Information was also leaked through a breach in the company.

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 2023-10-10
Company: EQUIFAX, INC.
State: NV
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MI
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:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX has the wrong information. I tried to contact them to receive the right information but I was not provided with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Wells Fargo auto loan. Extra fees charged.

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 2023-07-26
Company: Bread Financial Holdings, Inc.
State: TN
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:
The statute of limitations on debt in the state of Tennessee is six years. This means that if a debt has not been repaid in six years, the lender can not sue to collect the debt. 


Charge offs are considered income according to the IRS, I never received a 1099c from this company although the debt has been sold to a third party company. Income is forbidden to be on a consumer credit report according to congress 15 ISC 1681-2 ( a ) ( i ) No transactions or experiences are allowed to be on a credit consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: NJ
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:
XXXX reported late payments on equifax credit report which were inaccurate in XX/XX/2022 and XX/XX/2022. Spoke with XXXX rep and was told that payments would be removed once account was up to date. This never happened and payments were continuously reported late which cause credit score to plummet. 

According to the Fair Credit Reporting Act 15 USC 1681 sec 602, 604 I never gave XXXX permission to report this account on my credit report. The late payments were suppose to be removed, and my right to privacy has been violated. Please remove all late payments immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
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:
In a recent review of my personal credit report with Transunion, there is a previous address reported on my report that I do not recognize and have never used. 

The address is XXXX XXXX XXXX XXXX, TN XXXX. 

Please have this address removed from my list of addresses. 

Also under Phone Numbers : I do not recognize and have never owned the phone numbers : XXXX or XXXX Please investigate these fraudulent entries on my credit report and remove them. 

If there are question or we need to discuss this report, call me at 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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Investigation was ignored unresolved. 
Accounts DONT belong on my consumer report. 
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 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10
Company: MOHELA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2021, due to my Public Service Loan Forgiveness application, XXXX, my loan servicer at the time, transferred my loans to PHEAA. 

Because the account has transferred to another Education Department ( ED ) servicer, a suppression order was added to the account, at the direction of ED. XXXX has not actively furnished any data to credit-reporting companies since XX/XX/2021 due to this order, which means my loan accounts are listed as active, with a XXXX XXXXXXXX balance even though I've paid them all off in full. 

I am requesting that ED remove the suppression ASAP so that XXXXPHEAA can furnish data to credit-reporting companies reflecting that my account has a {$0.00} balance and was transferred to another entity ( and therefore closed ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Self Financial Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Self inc seems to be waiting for interest can be incrued before they take a payment ... it's been 5 business days plus 3 weekend days and my payment is still not posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have a financial situation where I had to use my lines of credit on my credit card. 
We had to use those credit lines for a long time and pay the minimum for some time with some delays. Through time we have reduced all the credit card debt but the reduction of the credit card limit and high utilization of my credit has impacted my credit score. A couple of months ago wrote to the CEOs from XXXX XXXX, XXXX and XXXX which are my main credit cards and explained the situation that need to increase my line of credit to stop the high utilization of my credit line. I explain to them the situation and ask them to do something about my credit limit. I have between the three companies a Line of credit of around XXXX USD including some others and now I have only XXXX XXXX between the three. All this has impacted my credit score. I have never defaulted or filed for bankruptcy. I have paid every penny owed to all the credit card companies and banks but their justification is the use for a long time of the line of credit.

I find this unacceptable since they have all the lines of credit I have during my whole credit card history and they have received all their money. I would expect the credit card companies to recognize they have received all their money and at least restore half of my previous line of credit to reduce to acceptable levels of credit line utilization and increase my credit score to normal levels.

I want the credit card companies to help me reduce my high usage credit utilization to restore my credit score to good.

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