BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/2023 I sent an email to XXXX disputing debts in letters from XXXX XXXX XXXXXXXX dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying XXXX XXXX XXXXXXXX was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from XXXXXXXX XXXX XXXXXXXX in an attempt to verify the debts.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: MO
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:
I hope this letter finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts made by your organization to immediately remove charge-off account from my credit report. I believe there has been a misunderstanding or an error in this process, and I am seeking your assistance in resolving this matter promptly. 

As a responsible consumer, I have been diligently addressing and resolving my financial obligations. In this regard, I have been closely monitoring my credit report to ensure accuracy and fair representation of my credit history. However, over the past few months, I have noticed several erroneous attempts by your organization to remove charge-off accounts from my credit report without my consent. 

I would like to emphasize that the charge-off account in question are accurate representations of past financial issues. While I understand the importance of credit repair and the need to rectify any inaccuracies on my credit report, these charge-off account is legitimate and should not be removed without proper evaluation. 

I kindly request the following actions to be taken : Cease all further attempts to remove the charge-off account from my credit report until this matter is resolved. 

Provide a detailed explanation of the reasons for these multiple removal attempts and any documentation supporting your claims. 

Review and assess the legitimacy of the charge-off account in question, ensuring that they are accurate and in compliance with all applicable laws and regulations. 

Immediately rectify any inaccuracies or errors related to my credit report. 

Provide written communication confirming the resolution of this matter and any actions taken to prevent such errors in the future. 

I believe in the importance of accurate credit reporting, and I am committed to maintaining a fair and honest credit history. However, I must insist that any changes made to my credit report should be based on accurate and verifiable information. I am asking for your immediate assistance to remove this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7900.00}.

Company response to consumer: In progress
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 2023-08-05
Company: Experian Information Solutions Inc.
State: PA
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 XXXXXXXX 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 explanation
Consumer complaint received 2023-08-05
Company: MOHELA
State: MD
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 called XXXX, Mohela, XXXX XXXX, and XXXX XXXX. Nobody can tell me whats going on. First, the two loans that were with XXXX, that are reporting me late were consolidated. They were for XXXX XXXX university that was part of the XXXX XXXX XXXXXXXX settlement and should not be on my credit report. But this is the biggest issue, Mohela doesnt have these consolidated loans that are reporting me late on my credit! Nobody can figure out whats going on. XXXX suggested I call borrowers defense however borrower defense said they can not help with my reporting. Mohela said they dont have these consolidated loans! SO WHERE ARE THEY? AND WHY ARE THEY ON MY CREDIT? Somebody please figure it out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 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 2023-09-19
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
One of the advertised benefits of maintaining the account was that each person which was traveling on an itinerary for which the fare was paid using the AA Aviator XXXX XXXX card was to receive a free checked bag on XXXX XXXX. 

Expecting XXXX XXXX and your bank to be true to that representation, I purchased air fare from XXXX XXXX for a trip from DAY>LHR and returning CDG>DAY. Record Locator : XXXX. 

Upon arriving at the XXXX XXXX to depart on the trip I was advised that the terms of the credit card had been changed, for tickets purchased after XX/XX/2023 to provide that one free eligible checked bag was only available on domestic U. S. flights. Apparently, the definition of eligible bag was changed without notice. Consequently, XXXX XXXX and I were each charged {$75.00} each for our checked bags and XXXX each at XXXX for the return trip. The total of these surprise/shock charges of {$300.00} has been added to my AA Aviator XXXX  balance. 

The addition of a {$300.00} charge to the account balance for something which was to have been free of charge clearly constitutes a significant change in account terms. Even if it did not strictly constitute a significant change in account terms, a change of this sort is nonetheless requires some reasonable notice pursuant to 12 CFR 226.9 ( c ) ( 2 ) ( iii ) ( A ) and ( B ).

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 2023-08-05
Company: Experian Information Solutions Inc.
State: CA
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 this creditor, XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

Section 15 USC 1681 Section 602 which states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit card late for any purpose.

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 2023-08-05
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX XXXX Account Number 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 an account without my written instruction.

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 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'm having difficulty accepting this issue and it's affecting my ability to sleep.

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 2021-07-07
Company: AES/PHEAA
State: IL
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:
Pennsylvania Higher Education Assistance Agency violated 15 usc 1681a ( 2 ) ( B ) and 15 U.S. Code 1681b ( a ) ( 2 ). Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction I am complaining about. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

Pursuant to 15 USC 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. Wouldnt I be considered allegedly obligated to pay the debt listed below? I XXXX XXXX the consumer never gave Pennsylvania Higher Education Assistance Agency any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has continued to report inaccurate account, personal information, and hard inquires despite my endless efforts of informing them it's not mine and never was, also all the different XXXX names they allowed creditors to run without my permission not even having the correct information or person information. 

Collection Account is not mine never even had a XXXX XXXX ever in my life nor gave anyway permission to obtain credit using my personal informantion. It is being reported now as Collection Account Name " XXXX XXXX XXXX XXXX '' {$980.00} balance and the address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have spoke directly to this debt collector and they continue to state Experian can delete this off and can not help me. Also, there's 3 hard inquires on my Experian Credit Report I don't recognize nor give these companies permission to use my personal information. 

Hard Inquires that are Fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Hard Inq Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Hard Inquire Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Hard Inquire DateXXXX

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 2023-08-05
Company: Experian Information Solutions Inc.
State: IA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I paid off a {$1000.00} limit Credit card and cancelled it because of a {$69.00} annual fee. My credit score then dropped XXXX pts in XXXX day. So my question is why would this happen? I know this is not a topic you have listed but I sure would like to know why taking care of my credit results in a XXXX point drop in my score.

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 2023-06-16
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Acct XXXX, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under 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 explanation
Consumer complaint received 2021-07-07
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I purchased glasses from XXXX XXXX  on XX/XX/XXXX for {$89.00}. When the glasses were received, they were not made correctly or made to the wrong prescription. I could not see out of them and they were blurry. I contacted the company and provided another copy of prescription and they verified that was what they had. They instructed me to send them the glasses to see if they were made correctly. I sent them and received conformation that they were received. Several weeks later, the company insisted that they were made correctly and would not refund my money. I opened a dispute with American Express. They ruled in my favor three times and then changed their mind three times. The last time, they sent an email stating I would have to pay but when I called, the agent told me the email was incorrect and I did not have to pay. Several weeks later, the charge was again placed on my card. When I called again, this time I was told that because I ordered them, it was not fraud and there was nothing they could do because that was the company 's policy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
An housing court record is currently displaying on my credit history. This record has impacted my ability to apply for apartments. I have lived in XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX NY XXXX from XXXX to XXXX. In XXXX, I settled an outstanding balance with Property owner XXXX XXXX XXXX XXXX. However, there is a record displayed on my credit record. I would like it to be removed so I could apply for apartments in the future. I was not able to have any record from 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 2023-11-05
Company: EQUIFAX, INC.
State: GA
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:
There are several inquiries on my report that I did not authorize and I would like to have them removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-16
Company: Nelnet, Inc.
State: CA
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:
I made a payment towards my student loands on time via Nelnet 's website. I made a payment on XX/XX/23 of {$1100.00} to a loan group. The payment amount due was {$500.00} by XX/XX/23, so my payment of {$1100.00} covered the total due in excess. It is now XX/XX/23 and Nelnet 's website says that my payment is past due. However, the website reflects that my payment of {$1100.00} on XX/XX/23 was posted and applied to my account, and the money has been drawn from my bank account. I have tried to call Nelnet twice, once on XX/XX/23 and again on XX/XX/23 to speak with an advisor to address their error. Both times the hold times were estimated to be over 70 minutes long. I can not get in contact with anyone to amend this issue. I am scared it will start to impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: PA
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:
I want my employment information deleted. I did not give permission for any of my employment information to be provided. I also want all addresses that I DO NOT live at deleted.

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