BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: NC
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:
Dear CFPB, I have made numerous attempts to validate a debt reporting under my credentials. Ive disputed over and over again, only to have the reporting agency ( Experian ) to claim verified as accurate. I recently sent evidence of my letter returned from the alleged creditor, due to unknown address. Ive sent Experian the pic of the return envelope, print out of the tracking information and as well as the certified letter receipt. Under the FCRA, any information that is incorrect or is not completely accurate, must be deleted. I have disputed the entire account and its validity. Ive made attempts the contact the alleged creditor to seek evidence of the debt owed. I have been unable to contact the alleged creditor because the address thats on my Experian report is return as unknown. My question is how is Experian able to verify anything, if the address on my report is not correct or unknown. U.S. postal service has verified this isnt a real address. More disturbing is with my prior disputes with Experian, this account has been verified as accurate with as little as 24 hours, on several occasions. I plan to seek litigation against this reporting agency and strongly urge to please conduct a thorough investigation into the practices and compliance to the law that this company routinely breaks.

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 2023-04-21
Company: College Ave Student Loan Servicing, LLC
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX made an extra payment to be applied to my principal balance. 

XX/XX/XXXX checked my account- part of payment was used to pay off interest and the rest was applied toward principal. My account showed my next payment lower than my normal amount. called and asked why this happened after I selected the setting for the payment to go directly to loan amount and not my next payment. They advised me they would fix it no problems. 

XX/XX/XXXX received an email saying my payment would be returned. checked my account the payment showed in their system as they had received it and checked my bank account and it showed they had taken the money from my account. my next payment still showed the same amount as yesterday. called and they said disregard the email and to give it another day or 2 for the account dashboard to show the proper information. 

XX/XX/XXXX - Dashboard still showed the same amount and the transaction log showed multiple instances of returned funds and then applied payments. My payment for the following month still showed a lower amount than what I normally pay ( the difference was the extra payment I asked to be applied on XX/XX/XXXX ). Called and asked why hasnt the changed applied was put on hold for around 15 min. When they came back to the phone they said they had fixed it. My next payment was the same amount as always but then when asked why did my principal balance not go down they could not give me a straight answer. Once this fix had gone through I noticed my minimum payment was raised to XXXX. The difference was the same amount as my extra payment. When I asked about this they had no idea what I was talking about and made it seem as if I was making this number up. It seems as if they raised my minimum amount just to make sure that the amount due next month was the same after my extra payment. They also informed me all extra payments go first to paying off outstanding interest and then applied to the principal. When asked again why i never saw my principal drop at all after these payments they said you have interest accrued. I asked why these didnt show up on the transaction history to verify the amount on the principal loan balance is correct I was answered with silence. 

Screenshots of everything that occurred on XX/XX/XXXX are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I went to make a purchase using my debit card on XX/XX/XXXX, and it was declined even though I knew there was money in the account. Later that day, I tried making an ATM withdrawal to see if maybe it was the business ' terminal and was again declined. 
When I called CitiBank I was told a block was placed on my account and then it was determined to be frozen for closure. I asked why I was never notified or given a heads up and was repeatedly told " you will receive a letter in XXXX business days with an explanation of the decision. '' I have called several times since and spoken to the fraud team who said a special department is who placed the block and that they ( fraud team ) did not have access to any of the details regarding the matter. There is supposedly no direct line to that department either. When I called the main customer service line on approximately XX/XX/XXXX to file a formal complaint, the only thing they were able to tell me ( which was more than ANYONE had up to this point ) is that the case was closed on XX/XX/XXXX and suggested I give them XXXX more days for a letter to be received before calling again. 
When XX/XX/XXXX arrived and still no letter had been received, I called the fraud department again and demanded I speak to a supervisor after the agent told me that my account was " frozen for closure '' on XX/XX/XXXX. The agent said that talking to a supervisor was not going to result in more information or a different answer, and the supervisor confirmed that when he rudely spoke to me on the phone. 
I have now had no access to approximately {$1400.00} for a month... I am a XXXX  mother of XXXX XXXX  children, behind on bills, and barely make it getting paid twice a month. 
CitiBank continues to give me the run around and not providing any answers or solutions. The request was made by myself more than once to have my funds released and have been told " you will receive a letter and a check if anything is owed to you in XXXX days of closure. '' There are no physical, brick and mortar branches that I can go to and have this resolved or I would have already done that. I informed CitiBank that I would get a lawyer involved if I needed to, and again was told " you will receive a letter explaining the decision. ''

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 2023-04-21
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: Personal information incorrect

Complaint:
Hello Good morning My name is XXXX XXXX XXXX, I'm writing to dispute the address that appears on my credit report. 

My Correct Address is XXXX XXXX XXXX, XXXX, FL XXXX, I am requesting to fix it for it to read that address. 

Please attach you will see driver licence and Social Security Number. 

Thanks so much

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 2023-07-25
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Incomm Holdings Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received a card with a bad magstrip. 
I called the number on the back of the phone which was about a 45-minute wait on XX/XX/23. They said they would send me a new one XX/XX/23 I haven't received a replacement so I call them back up and go through another 45-minute wait. They say to wait it out XX/XX/23 I call them up and tell them it still had not arrived. it's another 45 minutes they tell me to email XXXX because they left the apt number off my request. 
XX/XX/23 their email service says they can not find my claim. 
XX/XX/23 I send them the gift card number and the code on the back, and they say I will have to call the number which requires 45 minutes of waiting to get an 8-digit code for a case number. 

They have intentionally long hold times, they have been shuffling me around left and right. I have already spent about 4 hours trying to get a birthday gift to work. This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: WI
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TOO INACCURATE INFORMATION ON ALL OF MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT RECEIVED ANY RESPONSE. 

FIRST LETTER SENT XX/XX/2022 SECOND ATTEMPT SENT XX/XX/2022

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 2023-08-02
Company: Zions Debt Holdings
State: IN
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:
Under Title 15 USC 6802- I am supposed to be given 3 Disclosure forms and consent to a company sharing my personal info via credit reporting agency. I do not have an account with this company, therefore they were not able to share said Disclosure forms with me deeming this reporting fraudulent. Here is the law : Title 15 USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Have written to Transunion, XXXX and XXXX  3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED AND PAID. I would request this be DELETED from my credit report as it 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 2020-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have had a series of inquiries and false additions to my credit report. Companies such as XXXX  ( now showing as XXXX XXXX XXXX ), XXXX ( now showing as XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX XXXX are showing as recent collections. I notfied Transunion that there is an error as XXXX XXXX was removed from XXXX, and XXXX I believe it was fraud but have no proof I have been asking them to send me a bill which they never do Transunion is the only agency refusing to remove it. XXXX is only reported as a collection account on Transunion they are now going as XXXX XXXX and will not provide a bill of the paid or owed account. Furthermore Transunion has been allowing XXXX XXXX XXXX to aceess my account I called XXXX and since I have no account with them they can not stop it, I also called Transunion who also says I have no account allowing for that. However when you pull my report my credit is actually pulled up to 5 times per month fraudulently by them with no account I can access. I also believe this is why all of the fraud is happening on my credit and why Transunion reporting is so much different from XXXX  and XXXX  as much a XXXX points on my credit last month.

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 2018-02-20
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I actually went to XXXX XXXX XXXX XXXX and XXXX in XXXX, FL, which was not listed on your site and I can only assume that they have since gone out of business. I'm currently in good standing with all of my loans through Navient and have been enrolled in the income based repayment plan. 
I believe I was grossly misled in the strategies of the loan repayment. Here are the facts. 
I was told that I would have affordable payments after graduation. I took the initiative and did not have a cosigner. I am a responsible adult with an excellent credit score. However, I feel like I'm being XXXX   here and I want to shed some light on this situation. 

In XXXX I borrowed {$27000.00} from XXXX XXXXNavient to finance my education. 

Since graduation, I have paid back {$35000.00} My outstanding balance is now {$37000.00} These are just my private loans and do not include my federal loans. 

I am one of millions. 

Please tell me that something is being done on behalf of the millions of people who are struggling with this debt issue. Everything is on hold, including buying homes, investing in businesses ... 

This is criminal. It's predatory lending. I went to school for XXXX. I am working in the field of XXXX. I have been working in the field of XXXX for a decade. I have been paying my student loans and getting no where. I currently pay {$420.00} per month to Navient and XXXX on my federal loans per month. This is insanity. I wanted a good education. I am now drowning and see no way out of this debt. Any advice would be great. Yes, my federal loans are enrolled in the PSLF so please do not send me another pdf on this information. This complaint is directly geared to XXXX XXXX/Navient and I think I am owed an explanation along with millions of other students who are buried in debt across the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NC
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 I am a natural person, I am a living human being, I have rights under 15 U.S.C 1681. XXXX is governed by 15 U.S.C 1681, XXXX has violated my rights numerous of times. I demand the account below be removed immediately : XXXX. XXXX XXXX Acct # XXXX ACCORDING to XXXX U.S.C 1681 ; I have the right to privacy and I did not give XXXX written permission to furnish these accounts. I have no contract with XXXX. XXXX XXXX. I have no contract with XXXX XXXX XXXX Provide original contract for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TX
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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NY
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:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : INPUT INQUIRES AND DATES ( CAN COPY AND PASTE FROM DOWNLOADED FTC REPORT ) EXPERIAN : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ny XXXX Attached are copies of my state ID. Warm Regards, XXXX XXXX RESOLUTION : Please delete the inquiries listed and send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX Ny 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 2023-10-17
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer, by law, my credit report must be 100 % accurate. I've been requesting for the credit reporting agencies to review my disputes and update my reports. Please update and remove the accounts listed below XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please remove the following unauthorized inquiries : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation