BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to Section 1681s-2 ( b ), furnishers of information to consumer reporting agencies, such as the creditors in question, have a legal duty to provide accurate and complete information. However, after careful review, I have identified multiple discrepancies and inaccuracies in the reporting of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of EducationXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The reported balance and payment history of these accounts are incorrect and do not align with my records. I have documentation, including account statements and payment receipts, that substantiate my claims. This violation undermines the integrity and accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The reported accounts status and dates of last activities for these accounts are inaccurate and misleading. I have evidence, such as correspondence and settlement agreements, demonstrating that the account ( s ) was resolved and should be reflected accordingly. The failure to accurately report this information is a drect violation of the FCRA.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I received loan forgiveness through the XXXX XXXX XXXX XXXX. However, Navient has continuously denied that my loans couldnt be forgiven due to this since they are private. I have sent letters and filled out discharge paperwork for schools that have closed as well. This has gone on for the past XXXX years, without any type of resolution except threats for delinquency. Prior, to my XXXX XXXX being approved for the federal loans to I was paying for the private ones. I dont believe I should still be paying a loan that XXXX wasnt needed at the time of my enrollment but due to the predatory practices of the school was taken out. XXXX. I shouldnt be paying for loans for a campus that is now closed due to those same practices. Theres no way, that a loan that originated as {$5000.00} is now over $ XXXX for schooling from XXXX ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are unauthorized which is 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 non-monetary relief
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
WILLFULLY KNOWINGLY FURNISHING AND REPORTING OLD OUT OF DATE SCORES TO CAUSE CONSUMER HIGHER " MORTGAGE '' INTEREST RATE ON NEW LOAN ; 1 ) THE FAILURE TO UPDATE MY FICO MORTGAGE SCORE ; SPECIFICALLY SCORES XXXX & XXXX ; XXXX ) FAILURE TO " ACT '' CONTRIBUTES TO ECONOMIC NEGLIGENCE AND DAMAGES. 

NOTICE : TWO SPECIFIC AGENCIES [ TRANSUNION AND XXXX ] REPORTING OLD OUTDATED FICO MORTGAGE SCORES UNDER XXXX & XXXX ; ARE PUT ON NOTICE THAT THEIR FAILURE TO " ACT '' TIMELY AFTER MULTIPLE REQUEST WILL CAUSE THE CONSUMER TO PAY A HIGHER MORTGAGE LOAN INTEREST RATE. IN COMPARISON XXXX HAS FOLLOWED THE FCRA ; THEY ARE THE EXAMPLE AND THEY HAVE A SCORE [ [ [ XXXX ] ] ] POINTS HIGHER THAN XXXX 'S MORTGAGE SCORE AND TRANSUNION IS [ [ [ XXXX ] ] ] POINTS LOWER THAN XXXX WHICH HAS BEEN THE LEADER IN UP TO DATING MY FICO. THE DOCUMENTED FAILURE TO ACT IN A TIMELY MANNER AFTER MULTIPLE REQUEST IS NEGLIGIBLE UNDER FEDERAL DEPORT LENDING INS INCLUDING BUT NOT LIMITED TO ( TILA ), 15 USC 1601 ET SEQ., AND CONSUMER CREDIT PROTECTION ACT 9PUB.L.90-321 ; REGULATION Z 12 CFR 226.

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 2023-06-17
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
The following account is too old to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : XXXX XXXX XXXX Finance Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you

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 2023-11-07
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX, I made large ( costly ) purchase from Home Depot ( HD ) in XXXX, CA relative to kitchen remodel, with terms of 24 months/same as cash. Initially paid-down nearly ( over ) half, with approx. {$17000.00} balance. Immediately began ( XX/XX/XXXX ) began making $ XXXX monthly payments in addition to the monthly minimum payments HD concurrently withdrew from my banking institution, XXXX XXXX XXXX XXXX ( XXXX ). As of XX/XX/XXXX began making {$500.00} per month additional payments, and began making {$700.00} ( in addition to monthly min ) payments to the account via direct deposit from XXXX. 

In late XXXX or XXXX, I began receiving what I initially thought were rebate checks for the multitude of appliances, new cabinetry, countertops and more ; each check had a must be deposited by date, or ( presumably ) otherwise loose amount. In late XXXX I finally got around to addressing a pile of paperwork, and noticed my HD account balance was WAY too high, and not reflecting my extra payments which were wholly intended to have a XXXX balance by or before the 2 years/same as cash ; it dawned on me that the checks I was receiving were the exact amounts of the previous months deposit. I promptly contacted HD and thusly began a hellscape of referrals, requests for proof, denials of provided evidence, even as to this day I continue having my direct deposits to the CORRECT account NOT applied to the account, but instead returned, seemingly as though a Mafia grasp to have me stuck with the large balance with massively elevated interest. After multiple months of countless phone calls and mailed documents I was recently informed that XXXX coordinates HDs billing. I attempted reaching CitiBank and was repeatedly referred back to HD, who then referred me back to Citibank. Up to yesterday, I spent nearly XXXX hours on hold, transfers, then disconnections attempting to get some credible resource to help with this. I have repeatedly provided verification of transactions from my bank to HD, and repeatedly been told by HD I didnt provide verification of my statements.

Company response to consumer: In progress
Consumer complaint received 2019-09-18
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have applied 6 times for a XXXX XXXX XXXX XXXX XXXX card. Each time the instant approval comes back with a $ XXXX credit limit. I am then asked for proof of State Identification and a copy of the business ' XXXX letter from the IRS. I have provided both ( Driver 's License and Passport, in addition to the XXXX letter ). Every time I receive an email the next day saying the application is denied because your identification could not be verified. No other reason given was ever given. I even contacted them on Social Media, I have a large following of XXXX XXXX followers, hard to pull off if you are a scammer, and still I was told to check the denial emails, like they were going to magically say something different. I am exasperated and utterly disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-08
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a loan, and recently applied for an refinancing loan, so there are XXXX inquiries from XXXX XXXX on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was looking for a place to temporarily rent while I was studying for school. I had posted on XXXX about my inquiry and was responded to by a leasing agent. I went to go see the apartment and it was a good fit. I later sent in a deposit through XXXX on XX/XX/23 for {$1100.00} to XXXX XXXX XXXX Later I found out the person who had me send the money was not who they said they were and were not the owner of the home. I called my bank ( Wells Fargo ) to report the renters fraud and asked for a call about the status since I was not at my banking address. I had also reported to the police and provided my police report as well as the leasing documents to my bank. A week had passed and I had not heard anything back from my bank so I called and followed up. They informed me they canceled the claim and they sent a letter to inform me. I told the representative that I asked for a call or email as I was traveling to complete clinical rotations for grad school. I reopened a claim again and then the same thing happened, they closed the claim and sent a letter so I was unaware. I called again and again and was told it was told one time they could not reverse the payment because I sent the money and it was through XXXX not my bank. I also received no response from a help email sent to Wells Fargo. 

This happened months ago and today I heard a coworker on the phone talking to a banking representative for fraudulent payments. The representative was completely blowing her off and even said they forgot to submit her first report and later I asked if she had Wells Fargo and she responded yes. I told her good luck getting protection or your money back I was not helped at all and have even thought about leaving the bank from my experience. She told me she was reporting it to this site which I had no idea it was an option. Praying I can somehow still get help since this was a big payment for someone in graduate school and not making an income.

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: EQUIFAX, INC.
State: VA
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We had disputed a charge on our Best Buy account in the amount of {$1600.00} for a stove that we purchased on XX/XX/XXXX. They resolved the dispute, but later reversed it and charged back to our account. This is a summary of the transactions/phone calls that took place and still not resolved. 
The stove purchased on XX/XX/XXXXXXXX  was not working properly. I made an even exchange for the exact same stove however, I was not happy with the it and decided to purchase a different model stove, for less money. That delivery, installation and XXXX XXXX ( XXXX Unit-Stove that was exchanged ) was scheduled for XX/XX/XXXXXXXX  and was completed. The {$1600.00} ( cost of first stove ) was not credited and the charge for the new stove, {$990.00} was now on our bill as well. As of XX/XX/XXXX, they closed the dispute, and it was NOT in our favor. They are stating that we still have that stove, so it was never returned by their driver when removed from my home. I've spent hours on the phone trying to resolve this, and every person I speak to, tells me it will be resolved, and I will have a confirmation email within XXXX hours, another person stated XXXX hours and the most recent call ( XX/XX/XXXXXXXX  ) said I will definitely have confirmation email by XX/XX/XXXX. ( tomorrow ). If that driver did not return the stove, then I should file a police report as he removed it from my home and never returned it as Best Buy policy requires. I have documented all my communications with Best Buy Credit Services and also their sales Department. I am extremely frustrated as I can not continue to spend endless hours on the phone and not getting any resolutions. I don't know what else I can do. Please let me know what else you need from me to escalate this matter. Thank you.

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 2019-02-08
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: Old information reappears or never goes away

Complaint:
There is an account that reports with some type of collection company for a debt that I am not familiar with. The strange thing is it sometimes reports on Experian and XXXX  and then sometimes it doesn't. I don't what else I can do. This thing needs to be removed permanently

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 2023-11-08
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/. I went to XXXX XXXX XXXX XXXX in XXXX California, i wanted to insure my new car, after all the paper work they then asked for XXXX $ from my debit card, i gave the girl my debit card she swiped it, i pushed my pin number, IT GOT DECLINED. I checked my bank, WHY IS XXXX $ GONE, i tell the lady " no it went through '' and she said " no it didn't '' i requested a receipt but she could not give me a receipt for what out of thin air no purchase or anything she just couldn't i didn't purchase anything. I call my citi bank right there sitting down around XXXX and to this day the bank has ignored me, made me redo about XXXX claims like its going no where i just want my money back from the FRAUDULENT insurance place or the Loop hole master CITI BANK i didnt waste XXXX $ for no service and for fun please help i got my proof of declined receipt but they wont do anything just keep brushing it off there shoulder

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