BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-05
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquires made by the following companies : XXXX XX/XX/2022 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you Experian permission to furnish this. Information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and also a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry. 

I also demand that Experian produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish any information on my behalf. 

In the absence of any such documentation dealing my signature, I formally request that these fraudulent inquires be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Best Regards, XXXX : XXXX Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Previous complaint # XXXX filed on XX/XX/2023 and closed on XX/XX/2023 as Experian claimed the problem was fixed and I would have full access to my credit file. I continue to get this response : Sorry, we can't show you today 's report. This might mean that your lenders have different personal info for you than we do. Until this issue is resolved, you won't be able to see your report. 

On XX/XX/2023 I received a telephone call from a representative at Experian who indicated I would have full access to my credit file. I still can't not access it. The previous complaint referenced above should not have been closed. 

The last time I had access to my credit file was on XX/XX/2023. 
I've attached the name and address page from my XX/XX/2023 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 2023-08-03
Company: AMERICAN EXPRESS COMPANY
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:
Two accounts showing from AmEx appear on my credit report. I have NEVER had an account with American Express other than a Bluebird Prepaid Card. In fact, I have attempted to get a card with them for many years and have always been denied. 

I have spoken with Customer Care multiple times and been assured that since these accounts were a result of identity theft, I would not be responsible, yet still show these on my credit report / get copies of the balances due in my email. 

These notices continue to say " FINAL REMINDER '' yet... they continue. I've been getting final reminders for several years now. All on a balance that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
The IRS publication states charge offs or a 1099C as gross or ordinary income. 
Income does not get reported on the consumer report. If income does not get reported on a consumer report, then why is a charge off being furnished as a DEBT? If the IRS says by definition, it is income, then these accounts listed are being reported as inaccurate and they have violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX According to : 15 USC 1681a - I have the right to Accuracy, privacy and fairness of credit reporting 15 USC 1681e ( b ) - Compliance procedures ; Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 USC 1681a Section 603 subsection K- Definitions ; rules of construction. Due to this inaccuracy of my credit report I have been denied opportunities that has also violated my rights based on the Equal Credit Opportunity Act I demand that the above charge off account be DELETED from my report 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 explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
XXXX reported inaccurate information on my credit file and shared it with TransUnion and XXXX. Attached you will find the letter from XXXX clearly stating the Bankruptcy placed on my file is unverifiable. Also XXXX advised the data being reported as unverifiable. Please have them to remove the inaccurate data immediately please. Attached you will find the letter from XXXX clearly stating the Bankruptcy is unverifiable and removed from my file.

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 2017-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had an account with citizen 's bank for over 20 years. I have direct deposit for my social security check scheduled for the XXXX Wednesday of every month and pension check deposited on the XXXX. Twice now, checks that were deposited in the back the day of the social security check came in was flagged for insufficient funds and I was charged {$35.00}. The money is on deposit at XXXX so I do not know why I was charged. There was money in the account to cover the check. Another time, I overdrew the account by {$2.00} and had {$400.00} in the same bank but I still was charged an additional {$35.00}. They " improved '' their web site and I had trouble navigating it and had reported my problem. ( I a XXXX years old ). They said I had to link the accounts yet, I could n't figure out how to do that. Lastly, after the last {$35.00} charge, I changed banks on XX/XX/2017. Even though my deposit was made on XX/XX/XXXX and there was plenty in the bank to cover the check that came in the same day, I was charged another {$35.00}. When I complained, they put an additional penalty of {$30.00} as a " service " charge and said I could not close out my account until the charges were paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy.

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

15 USC 1666B : a CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: LA
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 am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I set up direct deposit of my XXXX XXXX  Payment with XXXX XXXX for the first time. This was to start XX/XX/XXXXand I advised them of same. Approx 2 weeks prior, I updated my address, went in person with my lease etc.. On XX/XX/XXXX I saw the deposit. The morning of XX/XX/XXXX I called to verify its availaby. I was told check back at XXXX XXXX  and XXXX XXXX. BetweenXX/XX/XXXX-XX/XX/XXXXI called 9 times. I was barred from the online access so could not view the pending deposit. After the 3rd or 4tth call, I was told YOUR ACCOUNT IS SHUT DOWN FOR REVIEW. YOU HAVE NO ACCESS TO ANY MONEY, ONLINE ACCOUNT, DEBIT CARD. ETC. They said probably til Monday XX/XX/XXXX. I said who will I speak to MONDAY ABOUT THIS? I was told that a XXXX XXXX  froze my account. I advised XXXX XXXX  employees over and over that I was XXXX live alone with my dog, had no food for either of us, no medication, missed doctor appointment, no gas. I finally went in person to XXXX XXXXXX/XX/XXXX approx XXXX XXXX. I was turned away, told I HAD TO HAVE AN APPOINTMENT. Late in the day XX/XX/XXXX I Received Checks for this account. I went to the pharmacy, wrote a check for {$12.00} for XXXX as Id been ill 2 weeks. The check went through. I then proceeded to get a few groceries ( extremely extremely hard for me due to pain ). I wrote a 2nd check for the food. I was told the check was declined. The mngr called to question what happened and the person stated her bank is declining the check. I was forced to leave all my food and dog food there, leave the XXXX there, and ask for my {$12.00} back, which I received. I had only that to get food for myself and dog, and gas. Needless to say, we are starving still today XX/XX/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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for.

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : 1. Account Number- ( XXXX ) Account name - ( XXXX XXXX ) 2.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 3.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 4. Account Number- ( XXXX ) Account name - ( XXXX  XXXX XXXX ) 5.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 6.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 7. Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX ) 8.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX  ) 9.Account Number- ( XXXX ) Account name - ( XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these pavments be updated to on time as they should be as I was NEVER Late. Thanks, Fair Resolution!

Update the account to Paid on time and never late. Or remove it from my consumer report.

Dear Trans Union : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX met this requirement, pursuant to the Act. My Social Security number is XXXX. 
Otherwise, rescind the errant notation 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 2017-04-03
Company: SECURITY FINANCE CORP
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
After my divorce my credit is bad. I bought a truck with XXXX down. Total was XXXX bought on XX/XX/2017. My first payment was due on XX/XX/2017. I called Saturday XX/XX/2017 to pay off the truck. My statement shows XXXX they were closed my husband called today XX/XX/2017 and payoff is XXXX he talked to a couple different people. We just want to pay off the truck with the amount on our bill

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 2023-07-06
Company: EQUIFAX, INC.
State: MD
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: CITIBANK, N.A.
State: FL
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:
XX/XX/2022 I received an email stating I had an online transaction of {$230.00} on my Citi XXXX XXXX from XXXX. I called them right away and disputed the charge. They sent me a form to fill out and send back, which I did, and figured it would all resolved. 
XXXX XXXX I received a bill from XXXX for {$2700.00} for the unpaid phones. I had been ignoring mail from XXXX since I thought the credit card company had handled the unauthorized transaction and it wasn't valid. 
XX/XX/2022 I received a notice from a debt collection service for {$2800.00} for the unpaid bill from XXXX XXXX 
XX/XX/2022 I called Citi about the situation and they did nothing about the disputed charge. XXXX, billing specialist, found the letter I returned to them and sent it to the company XXXX. I am waiting to hear back from 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 monetary relief
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

US DEP ED XXXX {$9300.00} XXXX   XXXX {$2600.00} XXXX  XXXX {$110000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1600.00} XXXX  XXXX XXXX {$350.00} XXXX  XXXX {$3100.00} DEPTEDXXXX   XXXX {$7100.00} XXXX  XXXX XXXX    XXXX {$1600.00} XXXX/XXXX   XXXX {$1200.00} XXXX/XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$2900.00} XXXX  XXXX {$7400.00} XXXX  XXXX   XXXX {$3100.00} XXXX/XXXX  XXXX {$500.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX XXXX {$29000.00} XXXX   XXXX {$3500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for XXXX XXXX XXXX XXXX in XX/XX/XXXX. When I applied for loan forgiveness I included employment verification for three employers : Exploratorium, The XXXX XXXX, XXXX XXXX XXXX. 

On XX/XX/XXXX I reached out to MOHELA via phone and email message because I noticed that my loan payments made during my employment at the Exploratorium were not being counted towards my 120 required payments. I was told to " give them some more time '' to process the application and that those payments should appear in my account in the next few months. 

On XX/XX/XXXX, I emailed MOHELA to ask about the status of my XXXX request. I did not receive a response. 

On XX/XX/XXXX, I called MOHELA to ask about the status of my request. I was told by the customer service person that the payments I made during my years of employment at the Exploratorium SHOULD count and that my case was being " expedited '' so that it could be resolved before repayments were scheduled to start at the end of XXXX. 

I did not hear back. And nothing was fixed. 

So I called MOHELA again today, XX/XX/XXXX. After waiting 90 minutes for a call back, a customer service agent reviewed my files and said she wasn't sure why the payments in question weren't listed on my file. She put me on hold to talk to a supervisor in the Processing Department. She then came back and told me that the supervisor she was speaking to suggested that she transfer me to a different supervisor. She transferred me and a recording said to " please hold '' and I have been on hold for more than an hour. 

I have been fighting this fight for more than a year, I did everything I was asked to do, my application was completely in order, and I haven't been able to get this problem fixed despite numerous attempts and hours of time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-29
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
phoeniix financial services has falsely been trying to collect this in 2019 it was determined this is a false demand again reference number XXXX action taken closed XX/XX/2019 your company 's number also XXXX, this has been paid and this debt is not owed, paid by insurance company, this is a false attempt again by this company, furher more XXXX has falsely stated this is true, it is not true, this company phoenix has stated they owned the debt from another attorney the last time mis representation again, this should be illegal. 
PLEASE ASK THEM WHAT METHOD THEY USED AND PROOF THEY USED. WHEN WAS THE ACCOUNT IN QUESTION OPENED AND WHEN WAS IT CLOSED. AS WHAT INSURANCE I HAD THAT PAID THIS ACCOUNT WHAT ARE THE TERMS SHOW PROOF OF ORIGINAL COMPANY BILL, NOT A MADE UP ONE BY THIS COMPANY please investigate fully

Company response to consumer: Closed with explanation