BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-21
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 Everything has to be 100 % accurate on my credit report. 

A well-known debt buyer by the name of XXXX XXXX  XXXX XXXX XXXX has failed to verify the furnished accounts on my credit report as 100 % accurate. 
I have asked for validation of this debt from the original creditor with my signature and submitted a copy of my credit report. I was not provided any supporting documents that proved that the information on my credit report was 100 % accurate. They are wrongfully keeping this inaccurate, unverified, and negative information on my credit report and causing harm to my livelihood as a consumer. This company and the bureaus are taking advantage and violating my rights as a consumer in accordance with the Fair Credit Reporting Act. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the original creditor information is missing, the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They also violated my rights under : 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 an account without my written instructions Also, the Credit Bureaus have been taking more than 30 days to complete my investigation. 

Here are my supporting documents : Data Breach reported on my XXXX XXXX FTC reference number that I submitted back in XXXX of 2020 [ XXXX ] My credit report Furnisher 's Response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: MoneyLion Inc.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
XXXX XXXX XXXX I logged into my XXXX XXXX account. The day before I had {$310.00} in my account. When I checked my account on the XXXX I had a XXXX balance when I checked my transactions MoneyLion had debited my account for the entire amount that i had in my account. My due date is always on Fridays. I contacted them and the customer service Rep told me that my due date was showing the XXXX. I explained to her that they have never debited my account on a Wednesday. She told me unfortunately there was nothing they could do. I explained to her that I needed the money so I could pay my utility bill. she kept stating that there was nothing they could do to reverse the payment. I asked to speak to a supervisor and when the supervisor came on she stated that my bank showed that I was doing XXXX and XXXX and that is why they debited my account early. I asked her how are you all going to just change my due date without speaking to me and that i had not did a XXXX or XXXX in over a week because my vehicle is in the shop.I also asked why are they looking into my account like that, that is my personal business. I told her you all have put me in a bind and that they did not even get the full amount owed to them so they should have just waited to the due date. I told her since you all don't care to make their mistake right. That I will just mail the remaining balance to them because they were wrong for doing me like this and have always paid them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-16
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: Account information incorrect

Complaint:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, there is not excuses of why I am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 SECTION 602 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 2019-02-05
Company: Experian Information Solutions Inc.
State: GA
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 have sent multiple letters to XXXX, XXXX and Experian requesting that they properly verify and conduct a reasonable investigation of a erroneous reported account on my credit report. They have stated that it was updated, but I have not received anything that proves there was an investigation and that the report is accurate. I also requested validation from XXXX XXXX, and they failed to properly validate the disputed late payments. 

XXXX XXXX XXXX XXXX Account # XXXX erroneously reported 30 days late in XX/XX/2018, 60 days late XX/XX/2018 and 60 days late in XX/XX/2018. These payments were made on time and were erroneously reported late due to carryover fees after the account had been paid to a XXXX balance. I called and discussed this error with XXXX XXXX XXXX XXXX  and was told on several occasions that the errors reporting would be reversed with the credit bureaus. I was told that this information was on a recorded line and would be made available for confirmation. I have followed up with XXXX XXXX XXXX XXXX and they have not done what was promised via the phone conversations.

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 2023-05-03
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 instructions15 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 2019-06-24
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I requested a copy of my credit report XX/XX/XXXX and against XX/XX/XXXX. Each time I was told my information does not match their records. Each time I submitted copies of my identification. I used third party websites to view my report. Personal details were incorrect. The credit bureau listed me as male. There is a public record bankruptcy on the report. There are several inquiries I did not authorize. I have been in dispute with this bureau since XX/XX/XXXX. I disputed information reported by XXXX XXXX   online by the link provided by XXXX XXXX in XX/XX/XXXX. The credit bureau said the information was verified and would not be removed. I sent a dispute to XXXX XXXX by certified mail to the address reported by the credit bureau to XXXX XXXX XX/XX/XXXX. The mail was returned undelivered, unable to forward. I have requested all the addresses which are undeliverable to me be deleted from my report. I have asked that all names other than the one on my ID be deleted. I have asked that my employer is corrected. The credit bureau has not provided any documentation verifying any of the questioned items are mine. I was told by the credit bureau in XX/XX/XXXX, the bankruptcy was confirmed by XXXX. My file was suppressed by XXXX in XX/XX/XXXX. The credit bureau finally provided a copy of my credit report. However, inaccurate information is still shown on the report. Equifax is the reporting bureau. I received a letter from XXXX XXXX XXXX, saying my credit line was decreased due to a significant decrease in credit score. The information received was reported by Equifax. I contacted the Bankruptcy Court. I have attached the letter received from the Court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: MN
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 received the following message from XXXX, " We have located your Social Security number on a Dark Web site on XX/XX/2022. '' ( and ) " Next Steps : You can take immediate action by going to Experian.com/fraud to add a fraud alert to your credit file. '' I went to XXXXfraud and completed the process to add a fraud alert to your credit report. As part of Experian 's fraud reporting process I reported a name on my credit report that is NOT me with explanation of " Details : Never known by this name. '' When I submitted my fraud report I received the following error message, " The below XXXX item ( XXXX ) were not submitted and need your attention. '' ( and ) " Our system is unable to process this item. Please Cancel to Continue and contact us at XXXX XXXX XXXX XXXX so we may better assist you with this item. '' I called the number provided 4 times. All 4 calls I entered my SSN and my identity was verified. On each call I quickly hit a road block dead end in their automated voice prompt telephone system. They continuously asked me either or questions with no remotely reasonable answer. After 45 minutes of frustration and attempting to find alternate ways of contacting Experian I gave up and the only reasonable solution was for me to fill out this complaint. 

Example Teleprompts : - Are you calling about the active fraud alert on your account? Yes- Do you want to add an alert or remove an alert?... no that's not what I'm calling about and there is no possible way to exit the teleprompt... eventually they disconnect the call and then I have to call back- Are you calling about the active fraud alert on your account? No - For questions about your Experian membership press 1 if you have general questions press 2. 

I find it concerning they're unable to assist with my actual problem and yet they seem to be " soft marketing '' their Experian membership program.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: PENTAGON FEDERAL CREDIT UNION
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account a few months ago and began making deposits. They were all thousands of dollars. 

On XX/XX/XXXX, I attempted to XXXX funds to MY XXXX XXXX  account, and was told that there was a XXXX BLOCK on my account ( that I was NEVER made aware of and would not have opened the account had I known ). They gave me the option of an ACH or wire transfer. On XX/XX/XXXX, I opted for the wire transfer and was told that the transaction was successful and should be available in XXXX hours. I checked my XXXX account 3 days later and did not see the wire funds deposited. 

On XX/XX/XXXX, I attempted to log in to my XXXX account and was blocked from doing so. I then called and they advised that there was a FRAUD FLAG placed on my account and required authentication. I was LIVID because had I been made aware DAYS ago, I could have handled the verification with no problem! When asked " How are members supposed to find out that verification is required? ", the representative XXXX said " You find out how you find out, by calling in. '' The representatives were VERY condescending and passive aggressive during this process! They were arguing with me and even suggested that I get another phone line " in my name '' if their identification methods are an issue for me. Of course, I declined because that will require a 2yr contract and I don't need a 2nd phone! It was constantly implied that I was committing fraudulent activity. 

At any rate, on XX/XX/XXXX, I submitted ALL of the originally required paperwork as follows : Driver 's license Selfie holding my DL SS card W-2 I was then told on XX/XX/XXXX, that the funds would be sent back to the cashapp account that was used to deposit funds. I declined and was told verbatim that " IF it's your account, why not? ", as if I have to explain to them WHY I want MY funds allocated to certain accounts!!!! 

They then asked for the following : Check stub Direct deposit for from XXXX recent statement from XXXX I provided them ALL and they STILL told me that my funds would ONLY be sent to the address on file or my cashapp account. 

I am UTTERLY disgusted and humiliated by this process. I have verified my account with SEVEN documents and was told today that my account will be closed because " the activity does not adhere to the policies and regulations of Penfed '', but no-one can tell me WHAT policy I violated!!! 

This is a TERRIBLE way to treat your members!

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 2022-02-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have received the response however you will not remove the XXXX collections account or and XXXX XXXX  the addresses associated with the accounts. I have provided you with the police report that my husband also provided you. His credit file has been updated with accounts deleted. My file still showing the collection accounts.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-23
Company: AES/PHEAA
State: CT
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I consolidated my qualifying student loans through the federal government in XXXX. I then enrolled in the Public Service Loan Forgiveness ( PSLF ) program in late spring/early summer of XXXX. 

In XXXX the loan servicer was changed to another company briefly. I then enrolled in the federal " payment tracker '' in XXXX for PSLF. At that time the servicer was then changed back to fedloans. This resulted in some payments not counting towards my total payment count. 

I have been working fulltime for a 501 ( c ) 3 status employer since XXXX. I submitted the requested " Employment Certification Form '' each year that I worked. 

The " payment tracker '' on the fedloans website payment " counts '' were off consistently for years and years. I would inquire on the phone about this and was told they would be updated. 

As I near the 120 payment mark where we can request " Loan Forgiveness '', I formally requested a review of my account in XXXX of XXXX so that the payments tracker would be correct. I was told at that time that a review would take 90 days. I called after a few months and was told it would take 6 months. I next called after 9 months and was told it would take a year. It has now been 1.5 years and my payments have not been counted and the tracker now says that I have made 6 qualifying payments. 

I should have 96 qualifying payments. The tracker should not continue to say 6 payments. It should show an accurate representation of my qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2023-01-16
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: Credit inquiries on your report that you don't recognize

Complaint:
the following are inquiries on my credit report that I do not recognize and did not authorize. 

: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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