BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: CITIBANK, N.A.
State: IL
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:
XXXX Ive already filled a complaint about my citi credit card. The problem still hasnt been resolved. They are very hard to get a hold of and the few times I did, it was about a dispute. They would email me a form that wouldnt load so I asked them 3 times to mail it to me and never got one. About two weeks ago I got a response from you and citi. Once again it was an email with a link that doesnt work. I emailed them back telling them for the 4th time to mail me a letter. I havnt heard back from them or gotten the letter.

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 2021-10-23
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2021, I received an email from the Department of Education advising that I consider re-establishing Direct Debit for my Federal Student Loans with my servicer ( FedLoan Servicing ). On XX/XX/2021, I visited the FedLoan Servicing website to re-establish my Direct Debit. Following the re-establishment of my Direct Debit, I am now simultaneously receiving conflicting information about my monthly payment due date on two different screens within the FedLoan Servicing website. On the payment due date screen, the website displays my original payment due date of the XXXX of the month. On the Direct Debit screen, my payment due date is now reflected as the XXXX of the month. I did not request a change to the XXXX of the month. Additionally, I do not believe that I received any correspondence regarding a payment due date change. I would like my payment due date to remain the XXXX of the month ( or another date that falls in every month of the year [ e.g. NOT the XXXX, XXXX, or XXXX ] ). Because of the new, conflicting information on the Direct Debit page, I am unable to discern accurate information about my student loans. Due to this conflicting information, it is obvious FedLoan is giving me incorrect information somewhere on the website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21
Company: Netspend Corporation
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There was a breach of my card number through my checking account with the bank. Large sums of money was stolen out of my account at multiple ATM locations. When I noticed the unauthorized transactions I immediately contacted the bank to notify them within 48 hours after noticing the unauthorized transactions. I provided the bank with all evidence to show that I never made those transactions neither did I ever visited that bank in the past. I corroborated this information to the bank. I sis everything to communicate this fraud. The banks response was they found no errors. I dont know what else to do. Please help. Below is correspondence. Many attempt were made by me to work with the bank for at lease a provisional credit and a continuing investigation on how this happened. 

Fax number - XXXX Email - XXXX Mailing - XXXX XXXX  XXXX, XXXX TX XXXX XXXX XXXX Supervisor, Customer Experience Netspend XXXX XXXX A Global Payments Company I made a police report with the XXXX detective XXXX XXXX XXXX ( XXXX ) XXXX XXXX I file a claim of identity theft with the FTC XXXX to ensure no other information was stolen or breach by the bank this all started with.

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 2022-03-07
Company: Experian Information Solutions 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-05-15
Company: Experian Information Solutions Inc.
State: MT
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:
Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXX XXXX and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXXXXXX XXXX. Leaving the Report INACCURATE. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX .... This is a joint account with my spouse. I will attach documents that Experian provided. I contacted XXXX XXXX XXXX  and requested documents about payment history or statements related to this account they informed that none were available and would not provide any documents. When you examine the account information from Experian you will find that the Date Opened is XXXX XXXX. The XXXX history ends XX/XX/XXXX. The Payment history is missing 12 months of payments making this report ( INACCURATE ). The Monthly payment ( NOT REPORTED ) missing information making this report ( INACCURATE ). Upon examining the provided Experian document you will find the High balance as ( NOT REPORTED ) making the report ( INACCURATE ). Recent Balance is ( NOT REPORTED ) making the report ( INACCURATE ). The Payment history has been left showing a few months of an account which was active for 19 months making this report ( INACCURATE ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by 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 2021-04-16
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
At XXXX on XX/XX/2021 I tried to withdraw my money that I had on my cash app card. When trying to withdraw my money from the ATM, I kept receiving an error message. I immediately contacted cash app support team explaining to them that I was not able to withdraw my funds from an ATM nor at a grocery store cash back purchase. The representative told me to try again that it should work, it didn't. Again on XX/XX/2021 I reached out to cash app support and explained to them that I am not able to cash out funds by linking a debit card nor can I cash out by linking a bank account, every time I tried it gave me an error message saying failed to link bank or incorrect info. yet when I go on my banking app I am able to login so I expressed to the representative it is not the wrong information that Im entering and every time I try to link a government issued bank debit card or link my account and routing number it gives me a error message. The representative then tells me that unfortunately there is nothing that she can do as she gave me all the options I have and all I can do is try linking new banks and cards as the ones that I tried are not able to be linked to cash app and she can't override it. Long story short, I have been messaging and emailing cash app managers and representative about this issue since XX/XX/2021 and I have not been able to get my money off. I am not able to send or receive money because they closed my cash app account shortly after my complaints to them and told me that my account was in violation because I requested a refund. I am not able to transfer, receive, send, or cash out my funds.i have asked for a check to be mailed or for any help of any kind and I get the same message In response from their support team.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
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 to the fair rights reporting act : XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX account # XXXX XXXX Bank account # XXXX have all violated my rights. 

15 U.S.C. 1681 section 602 A : states I have a right to privacy.

15 U.S.C. 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
[ Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Incorrect Information Reporting on Credit Bureau Dear Sir/Madam , I hope this letter finds you in good health and high spirits. I am writing to bring to your attention a persisting issue regarding the incorrect information that has been reported by credit bureaus from XX/XX/XXXX to XX/XX/XXXX. Despite my attempts to rectify the situation, the credit bureaus continue to report inaccurate details, including incorrect amounts and dates. 

I have recently taken steps to address this matter by contacting the credit bureaus and providing them with the necessary documentation and evidence to support the correction of the inaccuracies in my credit report. However, to my dismay, their response has been unsatisfactory, as the incorrect information persists on my credit report. 

The inaccuracies reported by the credit bureaus have had a significant negative impact on my financial profile and creditworthiness. This has proven to be highly detrimental, as it has affected my ability to secure favorable interest rates, obtain credit facilities, and even hindered my chances of gaining employment in certain sectors that require a thorough credit check. 

I kindly request the assistance of the Consumer Financial Protection Bureau in rectifying this matter. I believe that it is within your jurisdiction to intervene and ensure that the credit bureaus accurately report my credit information. I am confident that with your involvement, a resolution can be reached, and my credit report can be updated to reflect the correct and accurate information. 

Please note that I am available to provide any additional information or documentation required to facilitate the investigation and resolution of this matter. Additionally, I understand that certain personal information may be necessary later in the process for identification purposes, and I am prepared to provide such information when requested. 

I would greatly appreciate your prompt attention to this matter, as it has caused significant distress and inconvenience. I trust in the abilities of the Consumer Financial Protection Bureau to ensure that consumers like myself receive fair treatment and accurate reporting of their credit information. 

Thank you for your time and consideration. I look forward to a favorable resolution to this matter and appreciate your efforts in assisting 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 non-monetary relief
Consumer complaint received 2021-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2019-08-06
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2019, i purchased 5 tickets to an XXXX XXXX Soccer game on XX/XX/2019 for {$87.00}. Once the purchase was completed, the tickets received electronically were different than the seats that i purchased. I contacted XXXX and they refused to correct their mistake without additional fees. I disputed the charge with the credit card company and XXXX immediately voided the tickets and cancelled the order, about a week before the event, without issuing a refund. Synchrony bank says i must return the tickets i do not possess. I have explained this to them twice as well as sent them the required documentation and proof which they seem to conveniently " lose ''. They refuse to let me speak to someone who can handle the problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-21
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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. I have contacted this company XXXX XXXX  XXXX XXXX ) now in collections with ( XXXX XXXX XXXX ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. XXXX XXXX XXXX only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done State Employee Credit Union will not remove the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
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 accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

Account name : XXXX XXXX XXXX account # XXXX Account name : XXXX XXXX XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXXXXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX 15 USC1681 section 602A. States I have the right to privacy.

15 USC1681 section 604A section 2 : states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 crime which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) states 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 2022-01-04
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX ( Original Creditor : 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 2022-03-07
Company: Reliant Capital Solutions, LLC
State: LA
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:
Account was deleted from credit file because company did not respond back in a timely manner. Company had account replaced back on credit file which is in violation of the consumer credit report act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items are inaccurate that needs to be removed : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX, IN XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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