BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: EQUIFAX, INC.
State: NJ
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 am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, 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 items from my 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 creditor. The account below should be corrected : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
According to the FCRA, my rights and the accounts listed below in question have been violated : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
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 is listed 3 different times, XXXX XXXX XXXX I have never lived at any of these addresses. 
15 U.S.C. section 602 A. states I have a right to privacy.

15 U.S.C. section 602 A. states a consumer reporting agencies can not furnish an account without my written instructions. 
I'm a XXXX, my name is being mixed up also. Correct name : XXXX XXXX XXXX. 
Incorrect Phone Numbers : XXXX, XXXX, XXXX These belong to my ex. 

XX/XX/2022, I have been trying to correct inaccurate information that is reported in my Experian credit report, Experian sent me a stall tactic letter stating that it was not me who is disputing the information in my credit file. I sent my identification, proof of address, and my identity theft report notifying me of the issue. Experian is still saying that it is not me. 
I have started the dispute process all over again to be told that they need proof of my identity again. When I submitted it the second time, I provided everything that was requested from Experian. Experian has failed to comply and violated my consumer rights when it comes to disputing erroneous, inaccurate, and unverifiable information in my credit file. I'm a true victim of identity theft and I'm trying to correct the misleading and inaccurate information in my credit report with Experian. I have done my homework and feel like I'm entitled to dispute anything that is untrue in my credit file. I do know the laws and can use them correctly to fight for what's right in my file.

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 2023-11-15
Company: CITIBANK, N.A.
State: IL
Product: Credit 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:
On XX/XX/2023 we filed a claim with Citi Bank for fraud on XXXX airline ticket upgrades of {$1900.00} ( total XXXX ) with XXXX XXXX. I filed these claims because XXXX did NOT upgrade our fligths... the plane was broken. 

After nearly XXXX weeks of trying to resolve the issue with the original merchant, on XX/XX/XXXX, we filed a claim, within the 60 days that regulation E allows. I have proof that we filed the requested information. 

During the dispute process with Citi Bank, several Citi issues were encountered... first being they closed the duplicate disputes as a mistake. Second, we provided documents in XXXX and XXXX at neither when asked for documentation did they indicate the time was lapsed and we could no longer dispute. 

My husband, XXXX XXXX was added as an authorize signer in order to assist with obtaining a resolution. After XXXX calls, emails and XXXX CFPB complaints of his own that Citi XXXX he was not authorized on. This is false and yet another issue that Citi caused. 

I want my Dispute resolved with a FULL refund. Citi and XXXX have fraudulently bait and switched then caused their own delays to prevent refunds. This is illegal collusion that Citi and XXXX fraudulent operate to prey on consumers.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: NJ
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
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 2020-11-05
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
After selling a very expensive phone on XXXX, I was paid through Paypal. This payment was {$2200.00}. This is the only transaction that I completed with Paypal. I was then notified that I was permanently suspended from using Paypal. I was given no reason as to why, and I am completely shocked that they did this. When doing this, they then prevent me from withdrawing my funds for 180 days. 

While I feel that the 180 days is absolutely ridiculous, they state it is to ensure that there are not issues with the transaction that will require refunding. 

However, there is no risk of this occurring as there was a case opened and Paypal ruled in my favor and denied the case. It is documented in case XXXX completed on XX/XX/2020. 

The date of the transaction is XX/XX/2020 through XXXX  ID : XXXX. 

As there is no possibility that the available balance will be refunded due to the case review stated above, there is no reason for Paypal to justify holding these funds any longer. I urgently wish to withdraw my funds and close this account with paypal. The paypal account is XXXX. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, INC.
State: OH
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:
Inquiries that I did not make which has caused me to have to answer questions that are not related to my credit, and inquiries that were not made by me. 

My my XXXX credit report has 2 different social security numbers listed ( see attached copy ). I have called and can NEVER get a live person to answer!! 

Inquires that need to be deleted : XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Received email from Experian ( I have a monitoring membership ) about a car. I dont have new car. Same as Ive had for six years. Provided email as attachment. Tried numerous times via text, web site and phone to contact them. No results. Poor customer service. Think information about car belongs to a relative with new car. This has happened in the past and created time guzzler and other person was denied credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was trying to buy a house, when I reviewed my credit report I notice there's some inaccurate item on my credit report. I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccurate information. According to the 15 U.C.S 1681 there should not be any damage on my credit report it's defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company 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 2022-12-17
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: Stenger & Stenger, P.C
State: TN
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:
I have provided police reports notarized affidavits letter after letter that these are not my charges XXXX has even issued a check to me for the time Ive spent fighting this company. I had my purse stolen from a luggage handler and my wallet stolen at the tavern at XXXX during this period. Upon further investigation of XXXX XXXX and Stenger and Stenger are affiliated and according to their reviews they never remove the derogatory mark. These charges are for 2011 and are clearly NOT MINE!! The original charges were {$400.00} approximately. This mark has severely affected my life. After my divorce I was unable to secure a home loan. As you can see I clearly pay my bills. {$400.00} is not going to change my life. XXXX removed this at one point but they continued to refill it monthly Please help I have spent 2 years fighting these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: Aspen Yo LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, on XXXX I submitted a complaint to Gregory Funding and copied multiple agencies that may assist with the complaint, which is how I got Consumer Financial Protection Bureau ( CFPB ) information from FDIC 's Office of Ombudsman. 

Gregory Funding purchased my mortgage from XXXX in XX/XX/2020. I made the XX/XX/2020 payment to XXXX in XX/XX/2020, then XXXX forwarded the payment to Gregory Funding. To date the XXXX payment is not applied by Gregory Funding because they claim XXXX did not send the payment. Proof of XXXX mortgage payment by me to XXXX  and proof of XXXX mortgage payment wire transfer from XXXX to Gregory Funding was provided to Gregory Funding on XXXX to, but to date the XXXX mortgage payment is not applied. 

In short, two companies are in dispute of money sent and money received, but for me as the consumer, I am out an entire mortgage payment, accumulating monthly late fees, reflecting my credit report, and Gregory Funding is withholding an escrow surplus check because my account is not current, which is incorrect. 

I have made multiple attempts to resolve this matter with Gregory Funding and this process has become labor intensive with no resolution yet. Please see attachments which are the XXXX complaint sent to Gregory Funding with detailed information about this complaint. In this attachment to CFPB I am including everything that was sent to both Gregory Funding and XXXX, specifically proof of XXXX payment on loan history statement. 

Thank you in advance for your assistance with this matter. 

Sincerely, Consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Remitly, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi, I had opened a dispute for remittance transfer made using the Service of Remity on XX/XX/2021 receipt/reference number XXXX for the amount of XXXX . The money was supposed to reach my bank account of XXXX XXXX XXXX Account XXXX but it didnt due to No credit status on my XXXX XXXX account. 

Upon contacting Remilty same the customer representative XXXX XXXX/XXXX/XXXX/XXXX  asks me to upload my XXXX XXXX bank statement which I did right away upon further investigation they gave me UTR Number XXXX provided by remilty partner bank in XXXX and asked me to check with XXXX. 

When I contacted XXXX XXXX they informed me that they had returned the money to the XXXX XXXX  on the same day itself and provided me UTR Number XXXX. 

I am providing this information to the Remitly Customer representative for more than a month but still and there is no response from them. I am calling every day about it and getting very rude and weird responses. I had more than 64 calls in the last 30 days and chat with customer representatives more than 27 times also. 

I am attaching my XXXX XXXX bank statement for the last 30 days and email confirmation from them about the refund to the XXXX  XXXX  along with UTR details. Also attaching the chats transcripts which I had with the Remitly customer representative. 

My money is still with Remitly and their partner Bank XXXX XXXX and they are really not willing to return my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: EQUIFAX, INC.
State: PA
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:
XXXX hasn't has cancelled several disputes involving the use my report. I never gave consent to Equifax and is violating my rights a s a consumer by reporting false information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I reached out to the credit bureaus in regards to an account that they are reporting illegally on my credit report.This account has to be deleted immediately : ( Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX ) Re : Violation of Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) - Request for Deletion of Unauthorized Account I am writing to bring to your attention a serious matter concerning an account on my credit report, which I believe is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically, 15 USC 1681 ( a ) ( 2 ) ( B ). Furthermore, I wish to highlight certain provisions of the Truth in Lending Act ( TILA ), specifically, 15 USC 1602 ( g ) and 15 USC 1681n, which have been transgressed in this matter. 

XXXX XXXX XXXX XXXX XXXX, failed to comply with these obligations by not disclosing to me, as a consumer, the required information about the disclosure of my nonpublic personal information to affiliated and non-affiliated third parties. Additionally, they did not provide an explanation of how I, as the consumer, could exercise the nondisclosure option, as mandated by federal law.

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 2021-07-17
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I want to put on record the forced consolidation of student loans by fedloan. I struggle with XXXX XXXX, despite XXXX serious diagnosis I have beat the odds with a lot of hard work and caring professionals. In XXXX I was partially hospitalized and went on XXXX  XXXX. I couldnt make the payments and I called them. They refused to take a lower amount. They said they would report my payments late if I couldnt pay the monthly amount. In other words would rather take nothing then something. I sent what I could but instead of applying it to past due amount they broke the payment into pieces. They put different amounts to different loans and thereby forced the account to be late. My credit plummeted. In an effort to stop the bleeding fedloan told me I can consolidate the loans. I had been fighting this option because some of loans dated back to XXXX when interest rates were low. I asked to pay a different amount it was not an option. Knowing my credit will continue to suffer I chose consolidation. Knowing I couldnt pay at the time I put it in forbearance where the XXXX style interest began. I have all the correspondence. Thru out my time with fedloan they applied payments in pieces forced me into consolidation and forbearance. I complained and went to student loan ombudsman and no one listened. NOW it is discovered I am far from the only one this happened to.

Company response to consumer: Closed with explanation