BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-17
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
I requested the creditor to send me bank transactions record that I was ever late on this account. This account payment status is 30 days late as of XXXX Even though the account has been paid. The creditor and the Bureau failed to do a proper investigation because the comment section has not been updated since XXXX. The creditor never updated that the account was in dispute. I have sent over three letters to the creditor. The creditor has reported to experian that this account meets FCRA Requirements but they have multiple violations.

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 2023-01-19
Company: Maximus Education, LLC dba Aidvantage
State: ID
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 called Aidvantage in XX/XX/XXXX to request a loan under the Federal Student Loan Debt Relief, for which I should receive roughly {$5000.00}. After speaking with a customer service rep, I was told I should see my refund within XXXX weeks. Therefore, I should have received the refund in approximately XX/XX/XXXX. 

In XX/XX/XXXX, I called Aidvantage to follow up and ensure there were no issues. Although the loans had re-appeared on my credit report, I had yet to receive any notifications from Aidvantage regarding my request. The customer service representative told me that my request for a refund was never submitted. They stated that they could present the proposal now ; however, it would take an additional XXXX weeks to process. This meant that I would receive my refund in approximately XX/XX/XXXX. 

I called Aidvantage on XXXX XX/XX/XXXX, and the customer service representative told me that I needed to wait another week and, if there was nothing processed, I should call back. 

I called Aidvantage on XXXX XX/XX/XXXX. The customer service representative was extremely rude and told me that I needed to wait another week and that if there was nothing processed, I should call back. 

They also stated that when the refund is processed, it will take an additional XXXX weeks before I see it, pushing the date I expect to see my requested refund to XX/XX/XXXX. 

The amount of uncertainty while dealing with Aidvantage has been astronomical. In addition, customer service representatives need to be more knowledgeable concerning refund processes and timelines. 

I am confident I will never receive my XXXX XXXX XXXX XXXX XXXX as promised. 

Aidvantage has no interest in processing my request. I am calling weekly for updates, but I need help to get through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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

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 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX  XXXX XXXX : {$780.00} XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2023-06-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The reasoning for this letter is to dispute account " XXXX '' from the creditor " THE HUNTINGTON NATL BA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature. 
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: WV
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, 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. 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 an 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 2023-10-17
Company: Experian Information Solutions 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:
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 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 2023-09-15
Company: MoneyLion Inc.
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a money builder plus loan with the company money lion I keep getting payment failures email which will affect my credit score I have repeatedly emailed and called to express my major concern I have sent multiple times documents that they requested I have told them my address is XXXXXXXX XXXX XXXX XXXX XXXXXXXX and has been for 5 years and they keep telling me they can except my documents because they don't have that on file and wants documents from that old address on file from the last 60 days well I haven't lived there for 5 years so don't have any and they still refuse me access to this account and will affect my credit and they do not care

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX Balance : {$1100.00}

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 2023-10-17
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 filed an FTC report because I found inaccurate and unauthorized accounts and inquiries on my report, and nobody has yet to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 non-monetary relief
Consumer complaint received 2019-01-04
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The card XXXX XXXX XXXX  card with Barclays refuses to close an account I have with them. I have called them twice to get the unused card closed, the second time they claimed I was late in paying some kind of fee they created on the card after I told them to close it the first time in early XX/XX/XXXX. They promised me they would take care of the fee and would close the account properly after I called them a second time in late XX/XX/XXXX. 
I am still receiving emails in XX/XX/2019 from the company about a currently active account with my name attached to it 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 2023-10-17
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting ITEMS as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Have tried to get to properly correct every address that is listed on there report as there are dozen improper addresses being reported that are damaging me directly on top I cant even pull my credit file to examine being sent in my Passport n SSC verification as seems have something I cant even pull file online this needs assistance

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 2018-01-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Chime Financial Inc
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account got suspended on the XXXX of XXXX. I reached out the previous day and was told to send very sensitive and personal documents to them so they can prove it is my account and unlock it. Now it is the XXXX and i have called several times to be told different information. 
They told me i am missing my email address and the phone call cuts ( no attempt to contact me back even through email ) then i called again and the support person says i don't need to include my em, ail i am good then a couple of hours still on the XXXX i called and i was told i need to send the email and when i tried getting hold of a manager the call was still cut short. 
I am tired of calling, please can someone help me just get my money out of the bank let me go somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
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: Credit inquiries on your report that you don't recognize

Complaint:
There are 3 unauthorized inquiries on my credit report, some a day right after the other that I would like removed. 

According to the FCRA these unverified and unauthorized accounts must be removed. 

They are not tied to any open accounts nor were there written consent for such reporting. 


XXXX. XXXX XXXX - XX/XX/XXXX XXXX XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MA
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:
Ive contacted all 3 credit bureaus regarding a 30 day late payment posted on my credit report for my car loan with XXXX for the month of XX/XX/2021. This account was never 30 days late. XXXX investigated and couldnt verify that the info was correct. They removed it. Experian and XXXX both keep stating the info is accurate, but neither will provide the proof of this accuracy or the person they contacted or documents showing it is in fact accurate. I have requested this 3 times. They have not removed it.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: NY
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 have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: EQUIFAX, INC.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: OK
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 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 : It also states a consumer reporting agency can not furnish an 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 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-02-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I signed up for Ally Financing to purchase a XXXX XXXX XXXX conditioning unit through XXXX XXXX XXXX XXXX  in XXXX XXXX for my second home this past XXXX. My account number ends in XXXX. 

When I signed up, I agreed to an APR of 9.99 %. XXXX from XXXX took my application over the phone and confirmed this. However, when I received my bill in the mail from Ally the APR assessed was 14.99 %. Now, I dont know any reasonable person who would agree to this outrageous rate. That would mean, over the course of the ten year loan, I would end up paying back {$20000.00} for a {$10000.00} loan! Thats ridiculous and I would never have agreed to that rate. Further, I have excellent credit and own two homes, theres no way I wouldnt qualify for the 9.99 % rate XXXX at XXXX originally quoted me. 

I want to give this company the benefit of the doubt and assume this was a mistake, rather than fraud or a bait and switch. Im asking them to correct their error. If they reduce the APR to the originally promised 9.99 %, we will have no further issue. If they refuse, then Ill take the matter to small claims court. If thats not successful, XXXX can come and take the air conditioner unit back and refund Allys money in full, as far as Im concerned. What I know for sure is, XXXX quoted me 9.99 % over the phone and I will not pay one cent over that amount.

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