BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-05
Company: Experian Information Solutions 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 information incorrect

Complaint:
I Asked the credit Credit bureaus to complete a verification on everything on my credit report. They did complete the report and stated that everything was accurate. I went and did a thorough research myself and found improper and in accuracies on my report every after there report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the recordings of the Fair credit reporting act # 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 2 : it also states a consumer reporting agency can not furnish a account without my writing 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 2022-08-11
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 im XXXX  now.with no help.

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 2023-10-08
Company: EQUIFAX, INC.
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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please provide me with the accurate information on these accounts, this effects my life and you guys are listing wrong and inaccurate information 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 2023-01-13
Company: Experian Information Solutions Inc.
State: HI
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:
Experian report number XXXX Date Generated XXXX XXXX Send proof of my XXXX account and XXXX account never late.

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 2023-04-11
Company: EQUIFAX, INC.
State: VA
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:
Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. 

Furthermore, my current address is XXXX XXXX XXXX XXXX XXXX, VA XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: CIG FINANCIAL LLC
State: TX
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:
I restart at least a dozen times directly to CID financial through phone calls emails and disputes through credit agencies and never once update corrected the record. The last dispute I sent out on the XXXX of last month magically was bounced back the exact same day and closed and said to be in verified when you look at their very own records and it literally shows during correct so they did not do the investigation as they said that's a complete 100 % lie as well on the part of XXXX they didn't do anything to make sure that they didn't investigation in fact they did anything but. This is two companies working together to be able to create money off of my back and I'm not going to have it anymore. Their own record reflects that are only owe {$1.00} left on this vehicle and I did that very specifically. Yet at the top it says I owe a couple XXXX dollars. And that doesn't make sense with the chart you have literally right below it that shows I paid it down to {$1.00}. Also what is oat on the vehicle and then my payment amount is completely off why would I be making a {$300.00} payment when I only owe you guys according to you XXXX some dollars even though I only owe {$1.00} why would I pay over {$300.00} on either one of those amounts? There's also a month of missing information which just so happens to be the month I paid everything down to {$1.00} but then the record reflects from then on out my balance was {$1.00} but at the top it does not reflect the same and that's what they're trying to claim I owe when it's incorrect I want it removed immediately. The fact I have to go see and do the investigation and I see it on the very first page the very first second I look at it should be embarrassing for your company. I'm not even smart I'm not even that guy I'm a XXXX person but that's clear as day to me and it just taking money from people When they don't have any.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: CITIBANK, N.A.
State: IL
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:
On XX/XX/XXXX and XX/XX/XXXX, I ordered a couch and two side chairs from XXXX XXXX for a total of {$3900.00}. I paid for the purchase with my Citibank debit card and the entire amount was taken at that time. I was provided a delivery date of " XX/XX/XXXX. '' I checked on status of the order several times in XX/XX/XXXX with no response. 

I inquired with XXXX XXXX customer service and XXXX XXXX, Director of Customer Experience personally and never received a response. As of XX/XX/XXXX, my orders were " Cancelled '' by the company and I was referred to XXXX XXXX to file a formal complaint. I never received a response from them.

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 2022-07-07
Company: Persolve, LLC - Legal - Series 2
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: Public record information inaccurate

Complaint:
I have recently been informed that there is negative information reported by Persolve in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is not my account on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX wont see it my way just do everything they want in the first place how can you say my payments were lare they were made as always and you guys accepted them instead of returning them to XXXX  which would of gave me idea payments were messed up but you guys kept accepting payment from me instead of sending them back wgich would of gave me a inkling to problem that was happening you accepted monthly payment every month instead of saying no not enough. i made my payment like clockwork till i got a letter in may which made me up money which i thought was overdue taxes XXXX  make amount you wanted for may.the exces amount was not due till XX/XX/XXXX which means you got what you wanted payed to you guys ahead of time.the amount that was past due was on account which i pay ahead of time and you got mothly amount due payed ahead of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion employee informed me to send in a letter of all unauthorized inquiries and they will be removed without any issues. I send in the letter like requested and waited 30 days for a response. I called up to transunion and was told I would have to investigate myself pretty much and theres nothing they can do about it. They did not contact me, they lied to me and now telling me one thing and doing another. This is horrible and they make it hard for innocent people like me to get unauthorized inquiries they agreed over the phone to take off but never did removed. Management nor workers are trying to cooperate with cfpb law to contact consumers before 30 days and giving the runaround and listing unauthorized inquiries on peoples credit reports

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 2023-04-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/23 I filed complaint # XXXX. The basis of the complaint was an attempt to simply speak to someone in Citizens loss mitigation department so that I could offer a solution which would both provide Citizens with a path to being repaid XXXX cents on the dollar and to provide me with an amount of time to repay the loan. I was even offering to make payments for the duration of the workout period and offered to back my proposal with a " deed in lieu of foreclosure ''. The day after I filed my complaint I received a call from a XXXX ( not from loss mitigation ) but from the Office of the Chairman. He promised to forward my complaint to loss mitigation. Approximately 3 weeks passed. XXXX called again to apologize that it took so long to get back to me but stated that because I did not show/have " enough income, there was nothing they could do for me ''. What was outrageous about that statement was that XXXX and whomever else might have been looking at my file did not have any updated information. No one ever asked me to give them any additional information or even cared how I would live up to the agreement I was proposing. The information that XXXX and anyone else was looking at must have been 6 months old and therefor stale. I think Citizens is more motivated to do nothing to help me because they have already determined that the outstanding debt on my home is only approximately 1/3 that of the market value. At the end of the day I would just like to speak to someone who is reasonable and in a position to deal with me on a fair basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX  # XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED or DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX CO XXXX ) XXXX* Balance : {$690.00} XXXX XXXX Balance : {$380.00}

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 2020-02-05
Company: JPMORGAN CHASE & CO.
State: TX
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 am writing to dispute a billing error in the amount of XXXX on my Chase Credit Card account. The amount is inaccurate because I signed up for a class that should have had 40 hours of interactive classroom training. I paid for a classroom format, XXXX XXXX   XXXX training that should have included 4 days of group activities, real world examples, Trainer notes sample question paper & case studies along with certification. None of these were received and I found out this company is a scam. This company immediately tried to reschedule the class. They claimed a medical emergency for their trainer ( 10 days before the class ). Unacceptable business practices. I am out the deposits on the hotel and the charge on my credit card. I signed up for a class ( and paid for it ) on XX/XX/XXXX and by XX/XX/XXXX 10 days before the event they were trying to reschedule it and/or move to a different venue. When I checked on XX/XX/XXXX I saw that you can still sign up for this class. I contacted XXXX which hosted the merchant at the venue ( https : XXXX ) and filed a complaint due to the fact that they had a 100 percent cash back guarantee. I filed a dispute with Chase Credit Services in XX/XX/XXXX to make sure that we would be able to recoup funds since the merchant is based in XXXX. Chase credit services has replied back saying that due to no response. I looked and saw that since I have paperless billing they had emailed me to ask sign documents and re-open the case which went to spam. The document said they that findings show the charge was valid because of a certification that I never recieved said certification. As of today XXXX I have not received a reimbursement for the class. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed are copies of email thread along w/ sales slips and payment records supporting my position. Additionally I provided merchants information about the event They operate under different alias as they conduct shady business practices. I also have show refund information from XXXX supporting my position and email thread from merchant to get refund. Please investigate this matter and correct the billing error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. XXXX was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that XXXX will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. XXXX in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to XXXX and all credit bureaus with the information to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I was approved for a forbearance ( documents attached ). I have tried to contact NelNet via phone and email for over a week with hold times of an hour or more, never being able to speak to a customer service agent. As I type this I have been on hold for 35 minutes after calling right at XXXX with an estimated wait time of 2 minutes. 

NelNet is going to report my account 30 days late for a payment not being made in XX/XX/XXXX, but my forbearance letters ( attached ) say I do not have a payment due until XX/XX/XXXX. 

I have worked very hard on my credit over the years and my employment depends on having a healthy score. A 30-day late will destroy my report. There are no other options to contact NelNet and I have to work so I can't sit on hold for more than an hour which I'm sure is true for most people. I tried using the chat feature but it is only AI and was not helpful.

Company response to consumer: Closed with explanation