BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Attempted to contact credit customer service on XX/XX/2020 to obtain a credit balance refund, was waiting for one hour and twenty minutes on hold to speak with someone, finally, hung up the phone. Since, the account has a credit balance of {$120.00}, please issue credit to the bank account on file. The account on file has a routing number ending in XXXX and account number ending in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am the holder of loans currently under the management of the Nelnt student loan servicing company. Upon my application for enrollment in the " Saving on Valuable Education '' plan, I received information that substantially deviates from the guidance provided by the official studentaid.gov resource. My attempts to establish contact with the company via telephone have been obstructed by severely constrained operating hours and excessively protracted wait times, rendering any meaningful engagement with them practically unattainable. 

I kindly request a detailed comparison of the interest subsidy description outlined in the attached screenshot against the corresponding information available on the official website at https : //studentaid.gov/announcements-events/save-plan for the purpose of addressing these discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to blocking made on the basis of a material misrepresentation of factory me relevant to the request to block the identified transaction. The identified transactions are not information related to any transactions by me as consumer. 


SEE ATTACHMENT

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 2020-06-18
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXXI responded to a Birthday XXXX XXXX page on XXXX for a friend. I submitted {$25.00} to XXXX XXXX XXXX. When the transmission was complete, I was charged {$250.00}. I immediately contacted XXXX XXXX XXXX via XXXX in XXXX, NC. They informed me that they could not do anything until the funds posted. After a week, they called me back and stated that do to them being a non-profit I would have to go back to XXXX. I contacted XXXX through their on-line help center and got this and that. I was asking for my return of {$220.00} to no avail. I made a dispute with my bank J.P. Chase last weekof which they denied advising that the transaction was correct. My question is this was an incorrect donation and I want a refund of the erroneous amount.All 3 parties XXXX, XXXX XXXX XXXX and Chase Bank are not being responsible or accountable. I have since found out that there are other complaints on XXXX about donations. Your assistance is deeply appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: IN
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: DISCOVER BANK
State: PR
Product: Credit reporting, credit repair services, 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:
I've contacted DIscover various times to payoff balance. I was offered to payoff balace for a discount which I am willing to do. I am calling doscover and they just send me to another " special division '' ad then the line just hangs up. 

I want to resolve issue and pay off any balance if there is actually a balance to pay off due to Statute off limitations and the fact that Discover also againtst FDCPA contacted an unrelated third party regarding an alleged debt. They left a voicemail and it is in my posession. 

Thank you and Discover should erase any negative remarks from my credit report. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was harassed today from Allied Interstate LLC. Not sure why they are calling me I dont have any debts and so dont owe anyone. This is very aggravating how companies can call and harass you over a debt you dont owe and never received and type of written communication. I will be getting in contact with an attorney regarding this harassment. I dont appreciate this company calling and harassing while Im trying to work. Most debt collection companies are companies who buy old debt that has already been written off and accounted for my the original creditor or organization. The original organization has already gotten credit for it. I will file a lawsuit against Allied Interstate for harassing 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 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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:
Ive filed a dispute in regards to the incorrect items on my Credit report it has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05
Company: Clarity Services
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: Account information incorrect

Complaint:
An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called Clarity [ " Clarity Services, Inc. is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer  credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. XXXX XXXXXXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
Firstly I have great credit XXXX/XXXX score bought new XXXX last year elite credit. Now my score is ruined because of XXXX XXXX. I recently moved to Florida and had to buy everything new for my apt . I had several store card purchases and offers. I do everything online. I did not get the bill sent but I eventually saw an alert. They had an incorrect address. I signed up for auto pay for All the accounts. I selected all accept one that is {$0.00} on the top it did not say that the XXXX XXXX needed autopay to be added. You clearly see that but it was not. I selected before with the others the XXXX XXXX. There is an issue to use the auto pay. This caused me to be late. I received call from them long after it was over 30 days. I said you never sent me an alert that payment was missed. They said they were going to listen to calls and get back to me. They never did and still charged me 2 month of late fees. They saw again in the system that I attempt to do the auto pay XX/XX/XXXX but it would not accept my checking account it finally went through as a savings account and its not this month. I was on the phone over an hour. The last rep said he could see in the system I attempted to do it. Thats why he credited me one late fee. He said only 1 per year hes only allowed. They also XXXX XXXX keep sending bills to my job and I told them stop. They never fix it. Violation of my privacy. I call XXXX XXXX and no one helps me to figure it out or fix it. I have auto pay issues recent for new accounts otherwise I pay always within 30 days. Never over.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have pulled up my credit Report from XXXX and discovered this account that I truly believe was opened fraudulently. I have sent to XXXX several dispute letters several times. XXXX has refused to do fair investigation to this matter. 
In accordance with the Fair Credit Reporting act. The List of account XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy a. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. 
Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect 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
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX  with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been requesting Equifax to remove the XXXX XXXX fraud alert, but to this date they have not removed it. I need them to remove the XXXX XXXX fraud alert immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is my SECOND time contacting you about a IDENTITY THEFT issue that was not handled. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report nor to open any accounts. 

I recently went to Equifax 's site to see if my information was compromised in the actual breach and it was. Attached are documents with my claim number XXXX for compensation for damages done to my credit BY THE BREACH. 

The accounts and addresses and Inquiries below are not mine and were attempted to open and also opened up fraudulently. Please delete them from my credit report Permanently!! 

Inquiries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Attached are screenshots of the accounts I stated that are not mines and also documents from my recent Equifax Breach. Also are screenshots of each account twice so that there is no mistake this time with the name or company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Account information incorrect

Complaint:
Equifax report showing {$170.00} collection incorrectly Equifax report showing {$550.00} collection incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: Experian Information Solutions Inc.
State: AL
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:
This inquiries are fraudulent never ever filled out any application for a car or credit..I will have the list posted down in attached form..I 'm asking for these to be removed from credit report..I 've complained to the creditor company several times no removed items..yet please help me remove these items

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to XXXX and Transunion. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: TX
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:
I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with 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 non-monetary relief
Consumer complaint received 2023-02-13
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 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

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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've observed that my consumer reports contain illegal unauthorized accounts. This reporting agency has integrated this erroneous data despite my repeated warnings. The FCRA 's requirements have been consistently disregarded by this agency.

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