BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I recently disputed a XXXX XXXX account that was reporting on all 3 of my credit profiles. I sent in a letter to all 3 Bureaus on XXXX  with a attatched letter from XXXX XXXXXXXX XXXX stating that per their investigation, the account was not min es and would be removed from my credit file. The account was removed from all 3 bureaus, however it is now reporting back on my Equifax account. Per the FCRA i was not notified by the credit bureau that this account was reinserted on my credit file. It has caused my credit score to drop drastically because of their inaccurate and unverifiable information. I am requesting that this account be removed from my Equifax report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: TN
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:
Date- I have wrote XXXX  , XXXX  and Experian regarding inaccuracies on my credit report XX/XX/XXXX XXXX  has removed the account. 

However XXXX  and Experian continue to report inaccurate data on purpose to hurt my credit. 

I am a veteran and I shouldnt be treated like this ; I have facts and there are being ignored like Im just another number. 

Amounts- {$1000.00} Actions I took : Issue : Credit Bureau Reporting inaccurate Date of last active on XXXX account- XXXX  has XX/XX/XXXX and Experian has XX/XX/XXXX. It is obvious Experian has re-aged this account and this is a violation. 


In addition, I believe they are required to put on my credit report _A notice of Dispute in comment section ; within 30 days and they have not. This is another violation. 

Also, XXXX  has no history reporting in the Legend of the account how Is that possible? 

Resolution is - delete this account for inaccuracies Please see the attached current credit report for XX/XX/XXXX, and XXXX XXXX XXXX  remove acct. 
Please see the attached Letter I sent XX/XX/XXXX. 
Please see attached Drivers License, and my passport as proof of identity. 

Please assist me with getting this issue addressed. 

Thanks 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 2019-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
All 3 credit reporting agencies are keeping closed account information on my report, one as far back as 2012.

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 2023-06-26
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: Account information incorrect

Complaint:
EXPERIAN CREDIT BUREAU False Reporting of Credit Cards : Credit cards are all showing owed and not updated since a month ago going on and showing a high debt in which has Been paid off. 

Companies paid off : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX? XXXX XXXX are all paid off Experian has all credit cards showing owed in which there all paid off. 

My credit score went down do to paying off all my credit c cards by Experian and there is nothing but fraud going on with Experian in which I file a complaint with US attorney and the DOJ I have talk to XXXX XXXXXXXX XXXX  of filing a law suit on Experian for reducing credit scores and manipulated my credit in which paying off all credit cards. 

Experian needs to be investigated due to how they lower your score and rig with banks for money and predatory finance rigging of the financial consumer for higher rates and fees. 

There is mix use already of a woman 's name and mans name on my credit file causing mix use and lower score and incorrect information my credit file by Experian.

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 2022-05-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During my Citizens home loan application process, all forms of income reported weren't accounted for thus the loan was denied. 


On Monday XX/XX/2022. I gave the mortgage lender 3 jobs that I currently work and notified her that I will be giving her 2 more as I work for a XXXX XXXX and pick up contracts throughout the year. 

On XX/XX/2022 I updated her one more of the places of employment I work for. 

On Wednesday, XX/XX/2022. I updated the mortgage loan officer with all current places of employment for work verification. As this was the first time I was notified that they have to do VOE which was never previously done. 

On XX/XX/2022 I was updated that none of the places where contacted. I am not sure why however, that is a span of 2 weeks that no-one attempted my VOE. 

On XX/XX/XXXX, I was told that my loan was suspended due to t a back up. 

On XX/XX/XXXX, I was notified that my DTI was high for the loan amount. 
I was also notified on this day that only 2 out of the 5 incomes were being used. 

To be specific it was the 2 XXXX jobs and the XXXX XXXX I work for that were excluded for unknown reason. 

I asked to speak with someone above her ( mortgage lender ), however after a week, I was never contacted by anyone else. 

Also the price of the home is {$170000.00}. I have a XXXX XXXX. The denial letter stated I was denied for a home loan of XXXX. That was also inaccurate. 

There were also many days and sometimes weeks that I wouldn't hear back from anyone even after calling and sending multiple emails. This has showed a great lack of negligence and communication in the home loan process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I attended the school in XX/XX/2019 and I withdrew from the school early because I didnt like it so I stop attending the school on XX/XX/2019 I went there to withdraw. The finicial aid guy talked me into holding my seat because I may come back instead of withdrawing and starting over. He told me I would not be charged I would be tooken of the attendance. I told him Im not coming back though he insisted this was the better option. I got an phone call in XX/XX/XXXX saying why havent I been in school then I had to explain to the guy what do you mean I was suppose to be withdrawn he said Im still on the attendance as Im coming to school. I was shocked because the guy lied to my face and still had me being charged when I wasnt there any more. I owe a loan in the amount of XXXX and its on my credit already and I was approve for fincial aid too

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: MO
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 I have some fraudulent items on my credit report that do not belong to me and I do not recognize, nor did I authorize them. Can you please delete and block the following information on my credit report. XXXX, XXXX and Experian refuse to follow the rules set out by the FCRA and the CFPB. If they would investigate the accounts that are reporting on my credit they will that they don't belong 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 2023-02-28
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative items that have been reported on my credit report. These items have caused significant emotional distress for me and have impacted my ability to obtain credit and other financial opportunities. 

The following items are being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charge off account I request that you investigate these accounts and provide me with a detailed explanation of the information reported on each account, including the date of first delinquency, the date of last activity, and the current balance. I also request that you provide me with any documentation or evidence that supports the accuracy and validity of these accounts. 

Furthermore, I would like to remind you of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The FCRA states that credit reporting agencies must investigate disputes within 30 days of receiving them and that inaccurate information must be corrected or deleted. The FDCPA prohibits debt collectors from engaging in abusive or harassing behavior and requires them to provide accurate and truthful information. 

If you are unable to provide me with the requested information, I ask that you remove these accounts from my credit report. I look forward to your prompt response and resolution of this matter. 

Sincerely, 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 2023-09-25
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am paying XXXX XXXX  interest on this card and they keep on raising my limit ( without my permission ) in order to cover the additional finance charges. My debt is a bit over $ XXXX and I pay over $ XXXXmonth in order to try and pay off this card. I have been a good customer for many years and so I thought that I would surely qualify for a rate reduction. I called and asked and was told that their current policy is to not grant rate reductions. I asked where I could appeal this decision and was told that their current policy is to not allow appeals. 

I dont understand how a company can not allow an appeal to a decision make by somebody who works in a call center. Further, I can not continue to pay over $ XXXXmonth for very much longer. Im on a fixed income and with prices going up and my social security actually decreasing ( because of the increase in XXXX premiums ) Im terribly afraid that this card is going to max out soon based solely on the interest and I dont want to default. 

My question is, under the current laws, do I really have no recourse to appeal this 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 explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
<This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> XXXX : Inquiry : : : XXXX  - To Remove from XXXX XXXX : Inquiry : : : XXXX - To Remove from XXXX Equifax : XXXX XXXX XXXX Balance to be UPDATED as of XXXX XXXX >> ( {$160.00} ) << / Currently left at XX/XX/XXXX ( {$460.00} ) *** Please fix this as my score should be higher than what it is *** XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX - Address ID : XXXX -- - Type : XXXX -- - Geographical Code : XXXX ( ( ( ( ( Remove : Appeared on XXXX Report ) ) ) ) ) ================================================================= <This is a violation of 15 U.S Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately> DEPT OF EDUCATIONXXXX Balance : {$2400.00} DEPT OF EDUCATION/XXXX Balance : {$5800.00} DEPT OF EDUCATIONXXXX Balance : {$5800.00} Total balance : {$14000.00} ================================================================== *** Please remove fraud alert from all 3 credit bureaus until it's requested again ***

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I went for a time share presentation with Wyndham and submitted my information for a soft inquiry on timeshares. I decided not to purchase the time share and the next day I found out Wyndham used my information to open a credit card. I called Wyndham multiple times and they have not called back after numerous voicemails. I called Barclays to report this fraud and they did an investigation but never removed this account from my credit. Barclays still has the account open never closed it. Never sent me anything. Still waiting to hear from Wyndham and am now finding out they also opened up a mortgage account. Horrible experience. 

I understand Wyndham initiated the action, however they are the credit card issuer and I contacted them with 48hours of the alleged application. To not acknowledge the fraud. Keep the account open and never send account information to the user is very confusing and obnoxious. The fraudulent inquiry and account should be removed immediately. And they should reconsider their business partners.

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 2023-07-21
Company: FinCo Services Inc DBA Current
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I first noticed my bank account to negative for a charge of XXXX at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I immediately filed a dispute for unauthorized transaction and requested a new debit card. 

I received the debit card in mail on XX/XX/XXXX and activated it, On XX/XX/XXXX at XXXX I contacted a representative at Current inquiring about the provisional credit due to Regulation XXXX and the dispute not being resolved and it was the XXXX business day. 

To my avail, the customer service agent notified me that I would receive a credit by end of day and that the resolution was not finished. And then spoke to another representative to notify me that it would not be issued until Monday despite Friday being the XXXX business day. I asked to escalate this issue. 

Upon calling at XXXX - XXXX had nothing still. No provisional credit or a decision. 

Once on the phone- I was told that the dispute was closed and lost. 
I had not received XXXX email or communication and it was not resolved prior to communication. 

I asked to know when, why, and to appeal to which I was told, the dispute team would reach out. 

They never did. 

XXXX business days and no notification or response is a violation. 

XXXX addition, this was in fact an unauthorized transaction that occurred resulting in my amount being drained to negatives as well as having to review my entire account and request a new card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2018-09-10
Company: AmeriCollect
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
americollect : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dollars profit service group : opened on the XXXX of XX/XX/XXXX, in the amount of XXXX dolllars Ive never opened, or even used a credit card before in my life. Ive been working extremely hard to build my credit, while others tear it down. I need help getting this off of my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am writing this due to non-compliance with the CRA ( Experian ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Experian said that they will not reinvestigate the accounts in question that I have attached with this complaint. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My report # is XXXX Note : This is my second complaint.

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