BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have received both XXXX Grants and federal student loans since I began my higher education journey in 2003. While attending both my XXXX and XXXX  studies ( XXXX XXXX College, UT XXXX and XXXX University ), I worked full-time and/or was on paid internships for the bulk of that time ; so that I could try to keep my school loan borrowing amounts as low as possible. I am now being told that I could have been offered income based repayments while I was still in school and working full-time. Instead, I was placed on deferments for the duration of time that I was in school ; to include the six month grace period afterwards. I very likely would have qualified for the {$0.00} IDR payments during periods of employment from XXXX ; however, was never offered that as an option. After graduating with my XXXX XXXX XXXX, I started out in low pay, non-profit work environments to gain experience ; and, for years off and on, I could not afford my monthly school loan payment. Each time I contacted FedLoan to let them know that I couldn't make a full payment, I was always steered towards financial hardship deferments. It has come to my attention that they had the authority and power to offer me the option of lower monthly payments or partial payments ; but that was never the information I was given. Thousands of other student borrowers have reported very similar stories ; and this creates significant ethical and possible legal concerns due to the nature of the student loan industry already having a dark cloud due to noted manipulation of borrowers by certain loan companies that I will not name here as it's well known information due to recent, large scale settlements. I am more than willing, if given the opportunity, to pay all previous periods of forbearance and deferment so that those payments can be counted towards my XXXX payments to achieve XXXX. I am not asking for a handout ; I am simply asking that a wrong be righted. I have worked as a public servant for almost 15 years ; and am taking care of XXXX XXXX  family members. I am respectfully requesting that periods of forbearance and deferment be considered for XXXX forgiveness by FedLoan and the DOE ; to include allowing borrowers to retroactively lift those forbearances/deferments and pay the amounts that would have been owed at that time. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
these late payments i am requesting them to be removed its against the law per 1666b and there is an account with self that does not belong to me and that needs to be removed.

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 2023-10-04
Company: FIRSTBANK PUERTO RICO
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I opened this checking account at the XXXX XXXX branch. I encountered problem after problem, eventually leading to me requesting the account be closed. I am not bilingual & the English-speaking bankers did not seem to be able to understand my requests either. I requested to update my phone number multiple times ; I was told it was completed, but it still has not been completed. I requested to update my address, and even provided a utility bill showing that the address was incorrect. That was not completed either. I received a debit card with the incorrect name & was then told I'd need to go back to the branch to have it corrected. I did so, and it took 3 hours to get my request completed. I requested checks on four separate occasions, but they were never sent. Eventually, because of all of the continued problems I requested that the account be closed. I was told that it was, and confirmed. This was in XX/XX/2022. As it turns out, the account was not closed & was left open. The bank then proceeded to charge off the account after assessing dormancy fees & overdraft fees on the dormancy fees. None of these fees are valid & should be immediately reversed. Further, the bank has reported the checking account as being charged off with a balance of {$13000.00} to XXXX. That is absolutely incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent letters off on XX/XX/2023. To remove personal information that I don't want on my credit report. According to the fair credit act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX is not my address. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX is not my address. 

These are clear violations of my federally protected consumer rights.

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 2022-11-17
Company: CITIBANK, N.A.
State: PA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased tickets for the XX/XX/2022 show at the XXXXXXXX XXXX XXXX through XXXX on XX/XX/2022. The tickets cost {$330.00} and I put that on my Citibank Mastercard. Within 3 days, due to health problems ( we are XXXX and XXXX  years of age ), we contacted XXXX at XXXX to cancel our purchase. The customer service representative took specific information from me by phone and said she was submitting that to XXXX, who handles the ticketing, for a full refund. In addition, she advised that we would see the refund on our Citibank account in about 2-3 weeks. When 2-3 weeks passed, but we didnt see a refund posted on our Citibank card account XXXX we called both XXXX and XXXX on at least 8 different occasions and repeatedly got the runaround. For example, even though XXXX submitted our request for a refund on approximately XX/XX/2022, XXXX has repeatedly told us that they could not find a record of our purchase in their system. Just today, I called XXXX and was told that they also did not have a record of our purchase or request for a refund. Despite all this time time and both companies telling us that there is no record of our purchase or request for a refund, we have never received the tickets or a confirmation email about our purchase of them. 

When I disputed this transaction with Citibank, they denied it, saying that the merchant provided documentation stating the charge is non-refundable, however, there was no wording whatsoever about refunds being prohibited in the paperwork that we received from the merchant following our purchase. 

Citibank sent me copies of the steps on a companys website ( possibly XXXX ) when someone is purchasing tickets. I believe their decision was based on this information, however, I did not purchase these tickets through the website. I called XXXX and they completed the transaction for 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 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
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:
Experian is not reporting a closed auto loan that was in good standing on my credit report. In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Amount originally financed {$19000.00} XXXX attempt.

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 2023-06-25
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023, XXXX Date of Inquiry XX/XX/2023XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/202XXXX XXXX  Date of Inquiry XX/XX/2023XXXX XXXX XXXX Date of Inquiry XX/XX/2023XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX  Date of Inquiry XX/XX/20XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of XXXX XX/XX/2023, XXXXXXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/202XXXX XXXX Date of Inquiry XX/XX/2023 & XXXX XXXXXXXX XXXX Date XXXX XXXX XX/XX/2023.

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 2023-10-27
Company: LEXISNEXIS
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: MD
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:
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. 

I told the Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2022-11-11
Company: PNC Bank N.A.
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:
Please see the attachments on this complaint by me- I am requesting that your company send me copy of the 1099-C, Cancellation of Debt / CHARGE OFF or write-off that was issued by your company when you charged this debt off with the IRS which is required by law for all debts over {$600.00}. I XXXX, XXXX Authorized Representative for XXXX XXXX requesting documents and has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I do not owe any debt or any alleged debt. 
I also refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

These listed Violations are based on breach of fiduciary duties TILA, FCRA, XXXX, XXXX, THE Sherman Antitrust Act, FTC Act and RICO Act Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts. 

As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Chapter XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY 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 explanation
Consumer complaint received 2023-05-02
Company: I.C. System, 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 status incorrect

Complaint:
To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt removal of a collection account that is inaccurately reported on my credit report. Your immediate attention to this matter is required. 

The collection account in question is as follows : Creditor : I.C. System, Inc Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The aforementioned collection account is being reported with an open date of XX/XX/XXXX. This is a gross misrepresentation of the facts, as I terminated my XXXXXXXX XXXX in XXXX and dutifully returned all equipment associated with my account. The continued presence of this erroneous collection account on my credit report is causing significant harm to my financial well-being. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly delete the account from my credit report. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to remove the account from my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.

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 2022-11-17
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was minding my own business, studying in the library at my college last Thursday, XX/XX/XXXX, when I get an email from Chase at XXXX pm saying, " We sent your wire transfer. '' I was surprised by this because I had never sent a wire transfer nor even set up the service that allows you to do so. I logged onto my banking app to make sure this was legitimate and saw that there had, in fact, been a {$900.00} transfer from my savings to my checkings and then a wire transfer from my checkings of {$630.00} ( with a fee of {$40.00} ). I find out that the wire template had been activated on my account an hour prior with Chase 's secure message center reading, " You are now able to send a wire transfer to XXXX XXXX. '' I panicked and called Chase immediately. When connected, I was asked a series of questions asking. I admitted only to using public wifi. I had never willingly given out my banking information to anyone besides my parents. They proceeded to freeze my account and promised to call me back the following week. I received no correspondence and decided to follow back on Wednesday, XX/XX/XXXX. I was told then that during their investigation, Chase found no evidence of fraud since the transfer was completed using no unrecognized devices and was at my same IP address. I kept trying to appeal, providing them with more information like my login history, that my computer may have had malware on it that compromised my online information, and they kept redirecting me to other departments and ignoring my plea. I didn't know what to do but go to an outside party to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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