BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I finished paying my car noteLast year XXXX ( 2022 ), however sometime before that, in XXXX ( 2022 ), about a month before i made my finalpayment, Automotive credit corporation ( acc ) reported that I was 30 days late on my payment. I called several time and exchanged emails etc. XXXX ( rep from ACC ), respondedwith justifications as to why that late report is on my report etc. ( see thread ) Eventually, your team sent me my title but the late payment report had already been done.

I recall talking to ACC team several times in XX/XX/2022 about why my creditreport is showing more balance than it should. A team member informed me that automotive is changing its systems and for that reason, balances showing on each credit bureau is different. I gave their team grace to correct this balance inaccuracy. AroundXXXX XXXXXXXX, there still was no correction yet. ( I assumed automotive was still changing database systems ) Again, I emphasized to the representative that if i were late for my payment, Automotive will charge me a late fee and also report to the credit agencies. I stated that if that correction is not fixed, i will not make payment on time for my next month. ( All of this, i have on recording and i believe your team has on recording as well ). Indeed if i was late on payment, automotive quickly reported that late payment to the bureau.

Fast forward to today, this isscrewing me up big time because I can not purchase real estate whatsoever.

At this point, all I am asking is a resolution regardless of who is to be blamed. As customer goodwill/ courtesy ; is XXXX or anyone capable to update the creditbureauwith a letter or something so that it can be fixed/taken off my 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 2022-12-26
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: Their investigation did not fix an error on your report

Complaint:
My name is 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 2023-10-30
Company: Experian Information Solutions 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:
I am writing to express my deep frustration and dissatisfaction regarding the numerous attempts I have made to remove fraudulent items from my credit report. I have been a victim of identity theft, and the inaccurate information on my credit report is negatively affecting my financial well-being and reputation. 

The following are the issues I have encountered : I have been a victim of identity theft, and several fraudulent accounts have been opened in my name without my consent. Despite my diligent efforts to report these fraudulent activities, they continue to tarnish my credit history. I have reported these issues to the respective creditors and provided them with the necessary documentation, such as police reports and identity theft affidavits. However, the fraudulent accounts persist on my credit report, causing significant harm to my creditworthiness. 

I have submitted multiple dispute letters to the credit bureaus, explaining the fraudulent nature of these accounts and providing all the supporting evidence required to substantiate my claims. Despite my numerous attempts to rectify these errors, the response has been minimal, and the fraudulent items have not been removed from my credit report. 

I understand that maintaining the accuracy of credit reports is essential, and I am committed to restoring the integrity of my credit history. It is of utmost importance that these fraudulent items are promptly and permanently removed from my credit report. 

I kindly request your immediate attention and action in addressing these fraudulent items on my credit report. I expect a thorough investigation into these discrepancies, and I request that you provide me with written updates on the progress of these disputes and the results of your investigations. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and will take any necessary legal actions to resolve this matter if these discrepancies are not corrected promptly. I hope such actions will not be required and that we can work together to rectify these inaccuracies as soon as possible. I am asking for your assistance to remove thes items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-07-27
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This is my third complaint regarding this issue. The first was XXXX, the second is XXXX. I have been trying to resolve this since XXXX. This has now impacted my credit score because I can not afford to make payments on both balance ( which are the same balance ). I have uploaded all of the evidence in PDF form showing that XXXX paid Amex, they paid the wrong account number. I have included the incorrect account number that the payment was applied to, and have also included my account number, the correct one, that the credit should be applied to. If this is not resolved I intend to seek legal action. I am a single, currently unemployed, mother of three small children. I AM STRUGGLING. Had this balance transfer gone through like it was supposed to in XXXX, I would only be having to make the payment on my XXXX card that I could easily manage and have the option of credit on my Amex. That was the plan. Now my XXXX card carries a higher balance than my Amex, I am able to make those payments, but Amex keeps calling me, emailing me, sending me to collections because of this balance transfer that got applied to the wrong account. Please, I need help. Could someone please, please help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
COVID federal student loan flexibilities started on XX/XX/XXXX ( see photo with history of flexibilities passed by congress ). At that point, interest was 0 % and student loan payments were suspended. 

On XX/XX/XXXX I requested to switch my XXXX plan from XXXX to XXXX. I submitted an application with XXXX to get this completed. This application was processed on XX/XX/XXXX. On the same day, I received notice that my student loan interest had capitalized from repayment plan change ( see photo ). So my interest was added to my principal loan balance and effective accrued interest was {$0.00}. 

I have since applied for XXXX, as I am a physician working for a non-profit organization, and have been since XX/XX/XXXX. On application to XXXX, my loan servicer was switched from Great Lakes to XXXX. This was completed between the timeframe of XX/XX/XXXX ( closed accounts with Great Lakes ) through XX/XX/XXXX at which time I had access to and all accounts with XXXX servicing. 

On logging in to XXXX to prepare for return of student loan payments, I noticed that I had interest accrued of {$6700.00} ( see photo from XX/XX/XXXX ). At that point, I was in forbearance ( still for XXXX ) with a 0 % interest rate. After noticing this, I reached out for guidance from XXXX, who indicated that in their investigation student loan interest had accrued prior to transfer to their servicing. On discussion with student aid.gov ( 2 complaints/case submissions ), they encouraged me to get details of payments, loan history and interest accrual from XXXX. This was requested and never provided. After I was unsuccessful here, I moved on to submit a complaint with NelNet ( took over all servicing for Great Lakes ). See photos for submission dates - I have not received any response or feedback from them. I also submitted second case with XXXX and have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: WA
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:
Experian has repeatedly reported inaccurate information in my credit report. They have my ex ( deceased ) husbands ss number listed as mine, they have the wrong name as mine, as well as accounts such as a XXXX card which I have not applied for listed on my report. I have addressed every issue several times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
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 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 2023-07-05
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: Information belongs to someone else

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$16.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please review attached 1099C that was accepted by the IRS. Debt has been discharged & paid. PER IRS THIS IS TREATED AS INCOME, THEREFORE, IT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT. 
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 2023-07-05
Company: EQUIFAX, INC.
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Received copy of credit report, noticed accounts on my credit report that are a result of identity theft / fraud. Have attached FTC Report XXXX. XXXX to this complaint. Along with a copy of my credit report confirming the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On Saturday XXXX, XX/XX/2021, I deposited A cheque in my business account at the ATM for the amount of {$3900.00}, The Balance in My account was {$7100.00}. 
On Monday XXXX, I checked my account on line, the balance was {$0.00}, I called citi bank to see what is happening. 
they advised me to call the fraudulent Department, because my account is blocked, I called the fraudulent Department, I give them my account number, she said no account with that number. 
I give her my debit card number, she said no card with that number. i said i will go to the branch. 
on XX/XX/XXXX, i went to the branch, and i asked to close the two accounts i have with them.

They closed one, and they have to call the fraudulent Department to unblock the other account. 
XXXX XXXX called them and told me, my account blocked because i deposited a fraudulent cheque. and i have to wait for the fraudulent department to close my account and send me a letter explaining what happened. i give them the proof that the cheque is paid from XXXX  XXXX XXXX to citi bank, they did't care.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In XX/XX/2014, I was unable to pay XXXX XXXX XXXX, and my debt was sold to XXXX   XXXX XXXX, XXXX. As soon as I received payment information, I began paying them and have paid them every month every since. I have also raised the amount I'm paying them twice and attempted to arrange a payment schedule. Even once I verified my identity for them, they refused to listen to me. 

XXXX XXXX XXXX calls up to five times a day and not unusually before XXXX or after XXXX. When I answer, the person on the line often refuses to identify the company he or she works for, and it takes asking them two or three times to identify the company before they will do so. The person also usually represents themselves as someone who knows me at a personal level. Once I manage to get them to identify the company, the person calling typically asks me for personal information ( Social Security number, birth date, etc. ) to verify my identity. The person also usually requests I give my whole Social Security Number or birth date, which if the person was a scammer would leave my identity vulnerable. On a recent call, I asked the supervisor I spoke with to verify the company she worked for by giving the company 's address, an item of public record, so I knew who I was talking to, and she refused to do so until I had requested her to do so another three times. When I affirmed who I was, she refused to talk to me about my account unless I verified personal information or flat out gave it to them. Each time I have spoken to a purported representative of the company, I have requested mailed statements with details about interest, how payments are applied to the account, terms and service agreements, etc. They have repeatedly refused. Earlier this summer, I did manage to get a balance statement but only by refusing to talk further until I had at least received that information. The balance statement provided none of the other information I requested. At that time, there was no way to verify the account information other than by phone since they had not given me an account number, so I could access it online. 

It's also worth mentioning that I finally was able to access their website and checked. I am currently paying more than the minimum amount the published amount allowed for a payment plan, and they still refuse to accept what I'm sending as my standard payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Experian Information Solutions Inc.
State: MO
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 ordered a copy of my report in XXXX  dated XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check the payment history, date open, last activity, and Status of the listed accounts which I believe was reported in error. 
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 non-monetary relief
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: IL
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:
Subject : Dispute for Late Payment Reporting on Charged-Off Account Dear XXXX XXXX  Dispute Resolution Team, I am writing to formally dispute the recent late payment reporting on my charged-off account that is currently in collections. After initiating a dispute for incorrect information on this account, I was pleased to see that XXXX XXXX updated the information on XX/XX/XXXX. However, my satisfaction was short-lived, as on XX/XX/XXXX, you reported a late payment on an account that has already been charged off and is in collections. 

This late payment notation has had a significant and detrimental impact on my credit score, causing it to drop by XXXX points. As a result, I have lost my pre-approval letter, which was crucial for providing for my family 's needs. This sudden decrease in my credit score is creating substantial financial hardship for me and is negatively affecting my livelihood.

I urge you to investigate this matter urgently and rectify the situation by removing the late payment notation from my credit report. It is essential to correct this error promptly to restore my credit score to its previous status and enable me to regain my pre-approval letter, which is vital for my family 's well-being. 

I am prepared to provide any necessary documentation to support my dispute and facilitate a swift resolution. Please consider the significant impact that this late payment notation has had on my financial situation and act promptly to rectify this issue. 

I look forward to your prompt response and resolution of this matter. Thank you for your attention to this urgent issue. 

Sincerely,

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 2023-10-30
Company: Experian Information Solutions Inc.
State: NY
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. 

Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 explanation