BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I am submitting this regarding the unauthorized inquiries I found on my Credit Report. The last dispute I sent to the Credit Bureaus was XX/XX/XXXX but I received nothing from them. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The XXXX, Experian, and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and FCRA section 605b, and continued to report unverified information without providing any proof required by law. The XXXX Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
XXXX Inquiry Date XX/XX/XXXX XXXX-XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX I XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX/XXXX  Inquired on 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 2023-12-06
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I HAVE QUALIFIED FOR THE PSLF FOR THE LAST 18 YEARS. I HAVE APPLIED MORE THAN 3 TIMES AND HAVE RECEIVED NO CLEAR APPROVAL OR DENIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: SANTANDER HOLDINGS USA, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Santander Bank account to fraudulent investment firm ( s ).

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 2022-05-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid 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 an account with American Express that had a card limit of {$10000.00}. I have had this account open for 2 years and Ive NEVER had a balance over 20 % of my limit ( which has always been {$10000.00} ). I recently tried to make a {$9000.00} purchase and it was denied for security reasons. When I called the company a very sarcastic and blatantly XXXX man told me that he suspected I was using this card for un-meaningful purposes, and lowered my credit limit to {$1000.00} without even telling me he would do so. I have never missed a payment and I am of XXXX decent, my name is XXXX XXXX. I have absolutely nothing in my account history to warrant a massive credit deduction as such. Even my credit reports show for the last 12 months Ive only utilized 20 % of my available credit and I have had a consistent credit score of XXXX in these months. This is absolutely horrible, unwarranted on a account thats never had a 20 % + running balance ever in its 2-year existence. I tried calling this card company back but received little help. Whenever I call the card company i speak to XXXX workers who seemingly always have a XXXX ( sarcastic ) attitude because of my voice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report yesterday ( XX/XX/XXXX ) and noticed I had an account in collections from a Cable company from back in XX/XX/XXXX. I was not aware of the balance so I called the Enhanced recovery company to see what was going on. They advised me that they were sent the bill back in XX/XX/XXXX. This company has not made any attempt at contacting me to let me know I had a bill in collections but they proceeded to place this delinquent bill on my credit report without my knowledge. When I spoke to the agent at ERC she told me they had a phone number on file that I have not had for 6 years and they have not made any attempt on mailing out any type of correspondence. I asked if this could be removed from my credit report and I will pay the balance but the agent told me no. I am extremely frustrated by the fact that Ive been working so hard the past last year to improve my credit report and this company can just ruin the progress that I have made without even letting me know I had a balance due in collections! I would have paid this if I would have known. The manager I spoke to was very condescending and patronizing, she told me to file a dispute and when I asked will they call me back with an update she said, Were not going to call you back but you can feel free to call us if you want. This is totally unacceptable. I need this balance removed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Experian Information Solutions Inc.
State: SC
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 extend my appreciation for your previous efforts in addressing certain fraudulent items in my credit file resulting from an alleged identity theft. However, it has come to my attention that specific items persist, requiring additional attention and resolution. This marks my third complaint, wherein I declare myself a victim of identity theft and submit a dispute for the remaining items in my file associated with this crime. I wish to underscore that the contested items bear no relation to any transactions involving the acquisition of goods, services, or funds that I have personally authorized. I kindly request the removal of the reporting of these distinct items from my credit file, attributing them to the alleged identity theft. For your reference, I have provided the relevant details below : -- -- -EXPERIAN XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -- -XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. These items were previously unknown to me, and it is noteworthy that the information you provided on them has already been deleted from other bureaus. Consequently, I harbor doubts about the accuracy and reported history of these items in my credit file, as outlined in accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2022-05-31
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:
At some point around XX/XX/XXXX, i sent in disputes to the Credit Reporting Agencies. 
I am reiterating that Esperian, XXXX and XXXX are reporting my Private/Public information from my XXXX XXXX XXXX XXXX XXXX # XXXX '' without my consent, nor have they gave me written notice of what would be reported or what info I wanted publicly reported. ( See Fair Credit Reporting Act ) These agencies are in violation of the Privacy Act as well. 

All information being reported is not information reflected within my true credit report with the Consumer Financial Protection Bureau. As a living breathing Man made flesh and Blood my Credit lies within the " Full Faith and Credit of the United States of America '' as they have made it illegal to possess lawful money. ( See : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX Sec. XXXX, The Coinage Act 1972 Sec 11 & 20 ) These reports facilitate credit discrimination and deny access to the " Full Faith and Credit of The United States '' in violation of the " Equal Credit Opportunity Act. '' Could you please exercise your authority and instruct the subsidiaries and/or Agencies to reflect the " True Credit/unlimted Credit '' that all americans have to live " A Better Life Experience. '' Digital 850 as we rely solely on the legal process and the US Treasury Dept to make the payments on all Principal and Interest incurred by the public/private debts of the people.

Thank You I appreciate your professional services and I look forward towards your quick and professional response.

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 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: AMERICAN EXPRESS COMPANY
State: TX
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 have XXXX XXXX XXXX accts platinum card need to know when this renews, as i dont want to renew it both the XXXX XXXX and XXXX  card need statements XXXX say they investing, now i getting XXXX statements they dont list what the purchases are for, and now i get a spetcum bill statement on XXXX mail for XXXX i did not make this pymt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received nearly every single day one to three calls from XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, and about a dozen other numbers all show up with the Caller ID Credence. Which is a XXXX, IL based debt collector. I do not owe them a XXXX. They harass me daily and I know its a scam. I do not owe any money to anyone in XXXX, Illinois. This is harassment plain and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

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 2023-08-22
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE FRAUDULENT CREDIT INQUIRIES ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: HW Holding, Inc
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HWARFIELD XXXX XXXX XXXX XXXX This property send me to collections for {$3500.00} which is not correct. They are stating that I rented an apartment which I never lived in. I never rented any properties from them and I requested multiple times to send me any lease agreement and if they have given me any keys to their property. They never showed me any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
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:
RE : Late Payments on Credit Report Without My Written Consent, violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A - States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 - States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B - States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I have not given
XXXX EXPERIAN nor XXXX the permission or instructions by written consent signed with my own hand to furnish these negative references of late payments entries on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Resurgent Capital Services L.P.
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: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX XXXX  and XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. I submitted evidence showing that they are not reporting my account 100 % accurately. After that they updated my account with more inaccuracies. U.S.C 1681 section 602A states I have the right to privacy. U.S.C 1681 604A states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Reported Balance XXXXXX/XX/XXXX {$1700.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated, my rights. 
15 U.S.C 1681Section 602 A. & Section 2. 

I have filed a report with the FTC, contacted the creditor, the credit bureau and have sent letters via mail to the credit bureau. 
I demand that this item which is incorrect, be removed immediately from my credit report as soon as possible. 
This innacurate information is preventing me from buying a home, and I need it removed as soo an possible. Company and bureau have failed to provide proof that this account belongs to 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 explanation
Consumer complaint received 2022-05-30
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was told by my Bank Lender to ask for a letter stating that the debt payment had been DELETED. 
I was told the letter would state that the debt would be deleted. The letter simply stated that the debt had been paid in full. Once the funds clear, your account will be considered closed. 
But, nothing stating deletion. When I called the Rep said they would not do a deletion. 
Once the deletion is stated in writing my credit status would return to where it previously was. 
Thank you, 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 2022-04-20
Company: EQUIFAX, INC.
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CITIBANK, N.A.
State: MA
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:
XX/XX/XXXX charge to my master card - LL Bean Master Card Citibank - XXXX XXXX XXXX XXXX XXXX Massachusetts - amount {$7000.00} XXXX membership fees for the XXXX summer golf season XX/XX/XXXX called Citibank LLBean Master Card to dispute the {$7000.00} charge based on country club closing their doors and laying off all employees. have news articles stating the country club told employees they were closing. 

XX/XX/XXXX dated letter stating dispute was in process XX/XX/XXXX dated letter stating credit was issued - validated the {$7000.00} was credited back to my credit card account XX/XX/XXXX the XXXX XXXX XXXX filed for Chapter XXXX bankruptcy and new articles confirmed they were not opening/shut their doors for good and would not be opening. The chapter XXXX filing was registered and confirmed - they are closed. 

XX/XX/XXXX my account shows the charge of {$7000.00} was charged back to my account. 

XX/XX/XXXX when I noticed the charge was charged back - the {$7000.00} - I contacted Citibank LLBean master card and they told me I would be sent a letter regarding the fact the XXXX  sent them a response that it was an accepted charge. I told the credit card company that they filled for chapter XXXX and " did not and could not provide me the services I paid for '' and they told me it was still denied. They told me a letter would be sent and I could respond to it. 

The bank is telling me that I can only dispute things via writing and have no ability to talk to anyone to resolve this issue. 

The service I paid for can not be supplied - it is a fraudulent claim by the XXXX XXXX XXXX in XXXX Massachusetts that the charge is valid - they can not provide me the service I paid for if they filed for bankruptcy and have closed their door. 

thank you in advance for any assistance or advice you can offer.

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 2022-11-28
Company: EQUIFAX, INC.
State: GA
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:
This company is reporting inaccurate dates of payments made there claiming I havent made no payments in the pass 8 months and I have Receipts showing where I was making payments XXXX XXXX was made XXXX XXXX was made and XXXX was paid on XXXX and those moths they claim no payments was made

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: MI
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 sent 4 registered letters to XXXX, Experian and XXXX XXXX regarding inquires that I believe to be questionable on my credit report. And on every single occasion XXXX opened and closed the investigation on the same date without any investigation at all. How do I know that because, I sent letters to the creditors and they wrote back saying that they would indeed remove the inquiry. So, if XXXX contacted, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX why do I have letters from these people? They are violating my rights under 15 U.S.C 1681 section 604 section 2 U.S.C 1681 section 611 ( 2 ) a if after any re-investigation you are unable to produce evidence : meaning that I was the person that applied for credit at these places with my signature and ALL my pertinent information SS # date of birth address everything.

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