BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company 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 2022-08-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-23
Company: EQUIFAX, INC.
State: NC
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-18
Company: U.S. BANCORP
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX U.S. Bank agrees to settle a credit line balance for a lesser amount ( {$1200.00} ) with the condition that this settlement balance be paid by XX/XX/XXXX. 

XX/XX/XXXX payment sent to U.S. Bank for {$400.00} XX/XX/XXXX payment sent to U.S. Bank for {$400.00} XX/XX/XXXX payment sent to U.S. Bank for {$400.00} I thought this settled account was complete. 

XX/XX/XXXX U.S. Bank debits my checking account for {$1600.00} and references the account number of the settled account. 

XX/XX/XXXX I called U.S. Bank recovery department and was told that my settlement agreement was cancelled because they did not receive the settlement balance owed. I explained that 3 payments were sent via XXXX. I provided front and back copies of the 3 checks to XXXX XXXX at U.S. Bank. 

XX/XX/XXXX I called U.S. Bank recovery department again, this time speaking to XXXX XXXX. XXXX said the offsets of the checks was being researched but he would follow up with me on XX/XX/XXXX. 

XX/XX/XXXX I emailed XXXX XXXX at U.S. bank recovery department. He replied via email that the investigation was complete and 2 of the check payments were applied to another account in error. XXXX said adjustments would be made and my account would be marked 'settled ' and that a manager would return the {$1600.00} back to my checking account. 

XX/XX/XXXX I followed up with XXXX again, expecting that my checking account would have the credit posted by now. XXXX said his department was waiting on another department to process an adjustment transaction, and that has to be done before my checking account could be credited for the {$1600.00} that was taken in error. 

I am frustrated that the bank knows this was their error and they still have not credited my checking account for debit that shouldn't have happened in the first place. The bank processed 2 of 3 payments incorrect, the account number of the account being settled was on all 3 checks.

Attached are images of the 3 check payments.

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 2019-01-31
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted this company many times to remove all hard inquires because they do not belong to me. their customer service would not help and take care of the negative inquiries reporting to 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 explanation
Consumer complaint received 2021-05-25
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The company ... Loan Care ... sent me a letter stating that the problem with them not applying my payment correctly was corrected ... It has NOT been corrected ... .my complaint previously thru you is # XXXX ... .I am having more problems and have received a letter stating that account has been corrected with a letter sent to me by XXXX XXXX XXXX of XXXX XXXX  and LOAN CARE .and that is NOT the case ... I can not log onto the website to check my account as it is preventing me saying I am past due with my payment ... again ... .not true ... ... please help me as my next step is legal ..this is causing me great anxiety and stress ... ..the mistake is from XX/XX/2021 and I can not understand how the problem is taking 4 months to correct ... My XXXX payment was received on 3-23 and incorrectly posted to principle ONLY ... .instead of principle and interest ... downhill from there ... all future payments have been sent but still posted incorrectly ....

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 2022-06-18
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: Their investigation did not fix an error on your report

Complaint:
XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called experian and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and experian knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue experian and XXXX. They too have been unhelpful.

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 2019-07-28
Company: EQUIFAX, INC.
State: SC
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:
Equifax is still reporting fradugelent informat well over 60 days after I disputed and proved that the following accounts did not belong to me for XXXX & 5 accounts for XXXX XXXX. I received notification that the accounts for XXXX were being deleted but they were only marked as closed which is incorrect & I proved that with a police report, identity theft report, Picture ID & Social security card that none of those accounts are mine. I am asking again to please Permanetly delete these fraud accounts for XXXX XXXX XXXX XXXX {$85.00}, which is also listed on my report as XXXX   {$85.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23
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 received numerous letters to my inbox saying " Congratulations! Your student loan has been paid in full! '' The letters, which I received for each of my loans on XX/XX/23, said that my balance was paid in full. Such an enormous relief! Only to later find a payment due ( {$140.00} ) and a balance displayed ( {$140000.00} ). The payment activity says paid in full, my inbox says paid in full, but I'm also showing a balance and payment due. How is this an acceptable way to conduct business? It is so wrong to " mistakenly '' send these to people and calls into question the accuracy of their records. I sent a request weeks ago for my full account documentation and have received no response. What if I relied on their letters of a XXXX balance? This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Mon. XX/XX/23 I opened an account and deposited a check XXXX XXXX XXXX XXXX, for a refund of an issue we had. 

on XXXX XX/XX/23, this {$800.00} check cleared my account. 

on XXXX XX/XX/23, this {$800.00} deposit was reversed by PNC, and said the issuer had placed a stop payment on this check ( after it was already cleared ). I found out they did this because I had given them a bad reveiw, the Sales mgr told me this, I then spoke with his mgr and they will be re-issuing the check. 

I don't know how a bank can take money out of someones account on a deposit that has already cleared, when the issuer puts a stop payment after the check was already cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. These are the accounts : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 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 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 non-monetary relief
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: AZ
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 XXXX BANK XXXX 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 15 U, S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: CO
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 602 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 explanation
Consumer complaint received 2022-06-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XXXX of XXXX, I requested Citibank stop paying XXXX XXXX XXXX  ( XXXX ) {$44.00} to attend weekly meetings due to Covid. Initially, the undersigned thought XXXX would stop debiting the undersigned 's account since they were not able to have in-person weekly meetings. 

Here it is a year later and XXXX is still taking money out of the undersigned 's checking account. The undersigned has contacted Citibank and XXXX XXXX and they are still taking money out of my account. I put in another claim regarding the matter on XX/XX/XXXX and Citibank still continues to pay XXXX. 

My debit card has been changed 2 times to deal with this matter. XXXX in the XXXX informed the undersigned that although, I changed my debit card twice XXXX has a way to get my new credit card number from Citibank. This is so wrong. Please help. 

I can be reached at 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 2022-10-26
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:
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 and 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 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 2022-06-18
Company: EQUIFAX, INC.
State: CO
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 XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Deinde Online Services, LLC
State: TN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I made a loan with Integra Credit on XX/XX/XXXX for {$1000.00}. Thus far as of XX/XX/XXXX I have paid a total of {$1600.00} and they say another {$530.00} is due. The required payment changes every 2 weeks and they add each pay cycle a fee in the amt. of {$41.00} plus interest payment.. 

This is a total scam - their interest must be at 1000 percent Can you help me on this. I have fairly good credit and always pay on time but this is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, 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:
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 and 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