BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
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 have asked Experian and have mailed my personal information in regards to my information. My name is incorrect. Has several different names on my credit report. I have called and mailed items and still it is not corrected.

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 2023-08-09
Company: Experian Information Solutions Inc.
State: OK
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2021-12-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/XXXX. Received text from Citibank alerting me of fraudulent activity on my checking account. I logged in and saw unauthorized funds were being transferred out of savings and checking accounts. Within 20 minutes my cell phone stopped working. It had been " taken over '' and my number was being used with a different SIM card ( according to XXXX XXXX ) I went to the bank immediately and sat with an associate as he initiated a fraud claim. 
Funds from checking, savings, debit card, " Simplicity '' card and line of credit were accessed by wire transfers. Approx {$42000.00} in total The complaint is this : At NO TIME has the wire fraud department contacted me. 
Trying to contact Citibank regarding this matter has been tortuous. ( Hours spent on hold while being transferred to wrong departments in call centers. ) The bank manager at my local bank has been helpful and used the internal system. Yesterday XX/XX/17, she kindly emailed an update as follows. " The fraud dept. is still waiting to hear from the recipients of the wire ''. 
I was speechless but found words to express my disgust! 
She patiently sent another phone # for the wire fraud dept.for me to try. 
I was able to speak ( XX/XX/17 ) to an " escalator '' and asked if I could speak to who ever was doing the " investigation ''. It was explained that she could only make a request for them to call me ...... 
This is the short version. There has been an incredulous lack of communication, help and action on the part of the bank. It is a broken system and I'm in despair every day. 
I am XXXX with a very small income. This has cleaned out all liquid funds.

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 2021-12-19
Company: Nelnet, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2021 I sent a letter to Firstmark Services LLC requested a debt validation letter according to the FCRA and the FDCPA, They sent me back a correspondence on XX/XX/2021 saying they would review my request and the respond said that I made a payment on the loan but they didn't provide any other evidence or promissory or signature or anything. I sent another request on XXXX XXXX requesting documentation and contract obligating me to pay the company, again I didn't receive the information I requested. I received an email saying that I received a promissory note on XX/XX/2021, which I didn't They also sent me about much the loan is but no proof. On XXXX XX/XX/2021, I sent a letter again stating this is my last and final time requesting debt validation on I will have to pursue with the courts and now I am waiting on a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
each time I send a dispute letter to the credit bureaus they either dont reply or they send back a letter stating they couldn't find me. Even though I provide my full name, address, and SSN #.

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 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A . States : I have a right to privacy. 15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an 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 items 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 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 2021-12-19
Company: EQUIFAX, 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:
I have and issue where i have inaccurate information being reported on my credit report. I have disputed many times with this company via certified mail, online, phone with no positive resolution. These following accounts i am going to list are inaccurate and non-validated with a deletion not being made and the account never being proven to be mine. 
XXXX, XXXX, XXXX, XXXX Last reportedXX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reportedXX/XX/2021 {$360.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$550.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$1400.00} XXXX, XXXX, XXXX, XXXX Last reported XX/XX/2021 {$1700.00} XXXX XXXX XXXX XXXX Bank ) XX/XX/2021 XXXX FINANCIAL ( Bank ) XX/XX/2021 XXXX XXXX XXXX BANK ( Finance ) XX/XX/2020 XXXX BANK ( Bank ) XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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: Investigation took more than 30 days

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my rights as a consumer that have been violated under US Code 1681c. Recently, I discovered on my credit report that there is an error of incorrect information and or delinquent payments. 

I have requested that the reporting agencies correct this error but they failed to do so after 30 days. This violation puts me at risk of being denied credit or other services due to false information on my report. Furthermore, it has caused my credit score to be lowered significantly and has caused me stress and financial hardship. 

Please take action against the reporting agencies for their failure to correct this error in a timely manner and investigate further into their practices. 

Thank you for your attention to this matter, Sincerely yours, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-15
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
ON MY CARD I HAVE FOUND SOME TRANSACTIONS THAT ARE NOT MINE AND I REPORTED IT WITH THE CARD THAT WAS DEPOSITED TO ME WITH XXXX, THEY TOLD ME THAT I HAD TO SEND ALL THE INFORMATION AGAIN, MORE THAN 60 DAYS HAVE ALREADY PASSED AND I HAVE NO POSITIVE RESPONSE ABOUT MY CLAIM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: DC
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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: MA
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

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 2023-08-08
Company: Experian Information Solutions 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 sent in my dispute letter XX/XX/XXXX and experian still hasnt responded nor corrected items on 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 2023-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is my 4th dispute to Transunion requesting to have 4 positively reporting open accounts reinserted back to my consumer profile and I'm being given a response that doesn't address my dispute. Transunion is obligated to report accurate information about me as an consumer and my Transunion credit report is reflecting inaccurate not reporting these positive accounts. I also believe that if these were negatively reporting accounts Transunion would be very motivated to report that which displays unfair and deceptive credit reporting tactics. Im requesting to have these positively reporting accounts REINSERTED BACK TO TRANS UNION CREDIT PROFILE.

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 2023-11-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Fraud charge of over {$600.00}. Dispute was resolved but in the process another card was opened without my authorization. Im told it has a balance and was closed because the balance was unpaid. I can not get any information from Synchrony about the matter. Their customer service is the worst I have ever experienced. They never leave voicemails when they call, so I dont ever know what they are calling about. They have no clear records of prior interactions, so I talk to someone new each time who has no info or incorrect info and continue to be transferred without getting to anyone who can answer my questions. A supervisor said they couldnt talk to me because I needed to talk to the recovery department. I had just spoken to the recovery department and was transferred back to them. Im an honest customer trying to make sure I have my balance correctly paid and have excellent credit. I should not have to go to such lengths to resolve a fraud dispute or ensure my balance is paid off or to get a straight answer about how many accounts are open to ensure there isnt identity theft.

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 2023-09-22
Company: EQUIFAX, INC.
State: NE
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My student loans were transferred from XXXX XXXX to XXXX and they dumped my credit score by XXXX points. They did not suppress my credit score. These loans were satisfactory. Nobody will resolve the issue. XXXX points will take me until I am dead to resolve. Can not resolve via phone. Nobody answers. Nobody responds to email disputes either. This is not my fault. How am I supposed to buy a car or rent or pay utilities after they dumped my score?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: LA
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have been disputing information on my credit report for the past year! My lawful rights have been violated by XXXX, XXXX, And TransUnion. According to the FCRA regulations I am entitled to have true, correct, and complete information on my credit report. I have disputed all inaccurate and wrong information for over a year and the information still remains on my report. This information has kept me from buying a home. I have sent multiple letters to get XXXX  and no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: Square Inc
State: OR
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:
XXXX XXXX  appears to be a fraudulent company doing business via Square ( XXXX XXXX XXXX XXXX CA ). I have received multiple ( XXXX ) recurring payments to my credit card for a bogus subscription I did not authorize and have not been in receipt of services. I have disputed charges and been reissued new account numbers/credit cards XXXX times by my financial institution ; however, XXXXXXXX XXXX continues to assess charges to my account. I contacted Square directly and they declined to open a claim/investigate the company. I have searched for details regarding XXXX XXXX and no company details can be found on the internet. The address on the square receipt is a home address, according to XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX The most recent fraudulent transactions are as follows : ( XXXX ) XXXX XXXX XXXX XXXX$120.00} XX/XX/2021 at XXXX PM # XXXX XXXX code : XXXX ( XXXX ) XXXX XXXX XXXX {$120.00} XX/XX/2021 at XXXX PM # XXXX Auth code : XXXX Please investigate and advise of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
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:
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. 

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2023-05-04
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
After a thorough review of different CDs available in the market, Ally 's high interest rate as well as its reputation led me to open a new 11-month CD. Upon successful account opening, I linked my external accounts ( XXXX XXXX, XXXX and XXXX ) to provide funds for my new CD. So I have initiated 3 ACH Pulls ( $ XXXX XXXX XXXX XX/XX/29, $ XXXX on XX/XX/29 and $ XXXX on XXXX ) using my Ally account. Immediately after each transaction, I have received a notice indicating that the funds will be withdrawn on XXXX and will be made available on XXXX for XXXX XXXX and XXXX. For XXXX, I initiated on XXXX and the notice indicated that it will be available on XXXX. 

However, I have found that the funds ( $ XXXX ) have left from my XXXX XXXX and XXXX accounts. However, unfortunately, the funds have never arrived Ally. The answer I receive from customer service is that " Ally has never received funds as those payments failed and my external banks are suspended ''. And I was instructed to work with XXXX and XXXX XXXX to resolve the issue. After the call, my Ally account was blocked. 

So now my $ XXXX is disappeared and Ally is requesting me to take actions to retrieve my funds back. This is absolutely unacceptable and I request Ally to resolve the issue.

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 2022-10-15
Company: SYNCHRONY FINANCIAL
State: MA
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 had a rewards credit card with a limit of {$200.00} from TJX. I was late on one payment and since it wasnt much of a credit line I decided to pay off the card and close account. Theyre reporting a late payment on my credit even when I closed the account.

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