BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX account number # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX XXXX 15.U.S.C 1681 section 602 A.states I have the right to privacy 15. U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction 15. U.S.C 1681C ( a ) ( 5 ) section states.no consumer reporting agency may take 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. 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 2023-03-06
Company: Experian Information Solutions Inc.
State: IL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
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:
My last plea for help was on XX/XX/2018. I have been asking for SEVERAL months that Experian and XXXX   update my correct name and address on my account so that I can dispute online. As of today 's date they STILL have not corrected my name and I can not dispute on line

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 2023-05-28
Company: Bread Financial Holdings, Inc.
State: NY
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 and someone opened a credit card account under my name with Comenity Capital Bank for a XXXX XXXX XXXX back in XX/XX/2021 approximately. I got the account closed with the agency they sold the credit card account to ( XXXX XXXX XXXX ), but they fail to remove the credit card account from the 3 credit bureaus, showing up as accurate ( all disputes were in XXXX, but exact date is unknown ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: General Motors Financial Company, Inc.
State: MT
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:
Gm financial, and XXXX XXXX XXXX are no longer my responsibility after divorce XX/XX/2021 and I continue to get derogatory marks that reduce my credit score and make my ability to get housing, credit or auto loans approved. My credit is poorly effected by accounts that I am not legally responsible for and have no access to information about. I'm being penalized for the behavior of an ex spouse and it is entirely out of my control and should not be legally allowed to poorly reflect on my own credit history. I have tried without success to get the accounts to stop posting negative things to my credit, have tried to plead for my ex to resolve the issues from his end and have sent disputes through credit reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hello. I have been trying to add money into my WISE account and opt to earn interest on the deposit. However, I was blocked from getting an interest-earning account on WISE because they could not verify my Tax status. I think it had something to do with my birth date being wrong ; it was XXXX on the website but its actually XXXX. I asked WISE to correct the type ( they did ) and to re set the account so they could re verify my tax status, but every time I have reached out to WISE about it ( maybe 9 times ), their customer service reps just ignore my question. They send me guides on how to deposit money or answer some other question I did not ask. Its like they are purposely ignoring me. It is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: Consumer Adjustment Company Incorporated
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: Investigation took more than 30 days

Complaint:
This is account advises that I opened XX/XX/2023. I've sent credit reporting letter from XXXX XXXX to have removed as it's reporting negatively on my file as I never gave permission to report. I've not received any correspondence from the company as of XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear CFPB, Could you please help me on the fraudulent transaction? Yesterday morning, a facebook user, XXXX XXXX, asked to buy a sofa from my family at {$1200.00}. She asked to pay via XXXX. Then she told me that my account had limit so she would send me {$400.00} more, totaling of {$1600.00} and then I had to send her back {$400.00}. She also said she trsuted me so she would send me {$400.00} more to make my account be eligible for receiving {$1200.00}. I also received XXXX emails from XXXX XXXX ( as attached ), it made me believe they're the real ones. In addition, she said her XXXX would go to pick up soon. But after that, I felt something wrong there. I also received an email from Chase saying that my transaction was cancelled. Hence I believed the transaction was canceled. However, last night, I checked my checking account and I saw {$400.00} was charged. I tried to contact Chase but it seems like they just filed the report. I am in the middle of moving. My XXXX got high fever for the last XXXX  days. Those things made me out of control. Can you please help protect me from this transaction? {$400.00} is really big to me and my family. I would appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2019-03-15
Company: AES/PHEAA
State: IL
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 continue to struggle with XXXX. There has been an obvious miscalculation of Public Service Loan Forgiveness payments, counting only 9, as I have been making full monthly payments through and income-driven repayment plan faithfully since XXXX when I first consolidated my loans for the express purpose of being in the Public Service Loan Forgiveness program. I just recently sent updated employment certification forms - again - from eligible employers with eligible employment XXXX, detailing no new information I have not sent multiple times since XXXX. I received a reply back that the forms were received and no updates were to be made, and they detailed my eligible employment dates erroneously in spite of having clear, concise data on the proper forms that indicate a continuous period of eligible employment. 

I have always submitted all paperwork on time every time it was asked of me, and I have never had to stop making eligible monthly payments because of financial trouble. Twice in the last few years I have had my account put in forbearance because of their clerical errors - already detailed documented in a Consumer Financial Protection Bureau complaint I have placed in XX/XX/XXXX - that contribute to a significant extension of my loan by no fault of my own. 

The incentive structure is extremely problematic here. Through income-driven repayment >90 % of my payment goes to interest, with the last small fraction going to a very large loan, so they are obviously incentivized to keep my loan going as long as possible. Even if I get frustrated and pull out to pay it all down after refinancing, they still get all of their money. This has been such a chronic and common issue that I can only think they institutionalize some degree of incompetence and/or commitment to these anti-borrower and frankly misanthropic incentives in order to maximize their gains at the expense of students, especially with so few servicers who all seem to be terrible to borrowers. 

This has to change. I hope State and Federal authorities can assist in applying pressure on XXXX and other servicers to remember their borrowers are people who needed and appreciate their help to pay for education, and not to mistreat the vast majority of us who are following The Rules but are still being bilked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-12-17
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:
Today, XX/XX/XXXX of XXXX, when I am reviewing my Experian Credit Report I found an open account from " XXXX XXXX XXXX '' for the amount of {$2500.00} that was updated on XXXX XX/XX/XXXX into my Experian 's credit report. 
I don't know nothing about this account and this account do not belong to me, also why Experian allowed that this company ( as per XXXX " XXXX XXXX XXXX  stands for XXXX Companies XXXX through XXXX XXXX '' ) posted this debt on my credit report. 
Experian works to support this kind of illegal / fraud scheme instead of protect our credit information, this fraud does not appear on the other company like XXXX and XXXX. 
This is not the 1st time I have problems with Experience, last year they did a mistake and after I placed a complaint in this site, they finally resolved the issue without any consequences. 
I need facts that this CC belong to me! 
Thanks

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 2023-12-01
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 wirtten instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: AL
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:
These accounts where open with out my authorization XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: MS
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 is not my account it was open fraudulent experian have not deleted it the other credit company have

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 2023-04-20
Company: CCS Financial Services, 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:
XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX : {$600.00} XXXX XXXX XXXX : {$650.00} The XXXX XXXX : {$830.00} XXXX XXXX XXXX  : {$1900.00} XXXX XXXX : {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for forbearance due to XXXX XXXX and was successful for initial XXXX month forbearance but near end of XXXX month forbearance I elected to apply for another forbearance and they will not give me that option instead sending me loan modification documents where id need to start paying immediately when I can't and when I try to instead select forbearance it now says I'm ineligible, and online it says I would be eligible for at least XXXX  months and up to XXXX months so mr Cooper is not following XXXX XXXXXXXX forbearance guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We were victimized by a XXXX hacker and sent {$1900.00} through XXXX to an individual impersonating a friend. We reported the fraud to XXXX and PNC ( my bank ) within 24 hours and neither institution will help. These financial institutions create an environment where fraud is prevalent by refusing to assist even when reporting quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
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: Information belongs to someone else

Complaint:
These are not my accounts. Please remove them.

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 2021-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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