BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have reached out to XXXX, Experian, and XXXX  on providing proof of the verification of my bankruptcy and have not been provided anything.

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 2020-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have reached out to XXXX, XXXX, and Transunion on providing proof of the verification of my bankruptcy and have not been provided anything.

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 2023-07-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

DEPT OF EDXXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$20000.00}, XX/XX/XXXX ; DEPT OF ED/XXXX : XXXX, {$10000.00}, XX/XX/XXXX ; XXXX  : XXXX, {$1000.00}, XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX XXXX XXXX : XXXX, {$2000.00}, XX/XX/XXXX ; XXXX XXXX : XXXX, {$2500.00}, XX/XX/XXXX ; XXXX XXXX XXXX  : XXXX, {$220000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX {$5500.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$10000.00} XXXX XX/XX/XXXX ; XXXX  XXXX : XXXX, {$12000.00}, XX/XX/XXXX ; XXXX XXXX  XXXX : XXXX, {$7500.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, {$9500.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, {$16000.00} XXXX XX/XX/XXXX ; XXXX XXXX : XXXX, {$6000.00}, XX/XX/XXXX ; XXXX XXXX XXXX : XXXX, {$9400.00}, XX/XX/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 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
Consumer complaint received 2023-06-04
Company: Experian Information Solutions Inc.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX, Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  Account name : XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Consumer complaint received 2022-05-05
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had my backpack stolen from me which had sensitive information including my social security number and XXXX XXXX card in the bag. There were numerous add cash charges made that were not my charges. I started a dispute with XXXX. They did NOT provide me the temporary credit to my account within 10days like their policy stated even after sending them the written statement outlining the transactions. XXXX did NOT send me any documents or tell me the status of the dispute within the 3days of reaching a decision like they stated they would. 

Now I have XXXX telling me the dispute was not in my favor and that no error occured. I contacted XXXX XXXX  however who has assured to me that they in fact did reverse the transactions and the funds were sent back to XXXX. 

XXXX refuses to allow me to speak to anyone in their dispute department and they keep sending me the same repeat copy and paste email saying the dispute was not in my favor and though I have provided them with proof several times that the merchant assures the money was sent back to XXXX I have still not received any credits. At this point I have {$1800.00} missing because of XXXX with no explanation as to where the money went!!

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 2021-08-11
Company: EQUIFAX, INC.
State: NY
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 a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: IN
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 account XXXX Inaccuracies among the reported lates between the three bureaus. 

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 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 2023-06-04
Company: Experian Information Solutions Inc.
State: NJ
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Consumer complaint received 2019-06-19
Company: Capital Markets Cooporative, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Failure of mortgage servicer to automatically terminate PMI once the LTV reached 78 % without requiring an appraisal. This date was provided to me during closing with the loan underwriter. The date was XX/XX/2019. The amount is {$80.00} per month. So far, the total is {$240.00}. I initiated a request via phone then followed up with an email. The method of communication was requested by the loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of a scam in which the seller never shipped me the item I paid {$780.00} for on XX/XX/2020. They said they shipped the item but demanded XXXX gift cards in order to activate the USPS tracking number. This is when I realized I had been scammed. Prior to realizing this, I paid through XXXX, which I accessed through my Fifth Third Bank account. I contacted XXXX and they said they couldnt do anything to help me considering XXXX is separate from them and I was aware of the transaction. It is extremely misleading when XXXX provides XXXX as an in-app service but is not willing to backup or investigate clear acts of fraud and scams. XXXX is advertised as a similar service to XXXX XXXX an organization that does provide transaction security ), and in the process provides a false sense of security to its users. If Fifth Third is going to automatically attach XXXX to my mobile banking account, they should more clearly specify that they are not willing to help in the case of a financial scam ( even though they should ). Instead, I was tricked by not only the scammer, but also Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NY
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. The List of XXXX accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 explanation
Consumer complaint received 2020-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account is passed the 7 year mark. Last payment was made in XX/XX/2013. I have proof of this. Please remove this account as it is 7 years since last payment. 
XXXX Account status XXXX XXXX opened XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-04-08
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I was supposed to get a payment of {$600.00} from XXXX XXXX, a XXXX XXXX XXXX   program with Social Security XXXX, which I am currently on since XXXX, within 7 -   10 days from XX/XX/XXXX ( see emails ). Therefore, I scheduled payments, which included my car payment for {$440.00} on XX/XX/XXXX, a credit card payment of {$64.00} on XX/XX/XXXX and another credit card payment of {$54.00} for XX/XX/XXXX relying on the fact that the {$600.00} payment would have already been posted to my account. The other charges for {$5.00} and {$6.00}, in which I got insufficient funds fees for when, in fact charged in error, because I signed up for a 30 day free trial with XXXX XXXX XXXX through XXXX XXXX  and I am now working with XXXX  to get those charges credited. I am emailing XXXX and communicating with XXXX as of XX/XX/XXXX in customer service to have those charges reversed. So far, the total amount of insufficient funds fees is {$170.00}, but I still have 4 charges pending and I am not sure if those will incur insufficient funds fees as well. So if they do, I would like those credited as well for a total amount of {$300.00} in insufficient fees funds. The XXXX charge for {$28.00} is a ghost card charge for an order I canceled with XXXX  and will be refunded in 5 - 7 business days. Again, the other 3 charges, XXXX  for {$7.00}, XXXX for {$31.00} and XXXX XXXX for {$40.00} were charges anticipated with the {$600.00} payment being deposited within the 7 - 10 day time frame of XX/XX/XXXX as stated in the email provided. The reasons I did not try to go through Chase Bank or Customer Service by phone is because of the pandemic. It states on the Chase Bank app that because of the COVID-19, there will be extremely long wait times if you call us and I work from 9-5pm M-F and I am in training and on the phone most of the day as well as they can  only take off two insufficient funds fees every year. The reason I did not go into a branch location is that there is no bankers to talk to. So, basically this is my only option to get this issue resolved during the pandemic. I also signed a petition that JPMorgan Chase should waive all insufficient funds fees during the pandemic, which I think applies to my case. Thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
On XXXX I FILED CFPB COMPLAINT AGAINST XXXX ON SPRING APARTMENTS AND XXXX XXXX XXXX  AND CITED In XX/XX/ I called XXXX XXXX XXXX ( A collection company ) requesting validation of the alleged debt on my credit report by producing the original contract with a wet ink signature. Additionally I sent letters to XXXX, XXXX, and Transunion requesting validation of the alleged debt. In response, XXXX XXXX XXXX sent a letter dated XX/XX/2023, wherein they confirmed an outstanding balance, however they have failed to validate the debt by producing proof of the original contract with wet ink signature. The credit reporting agencies mentioned notified me the debt was " verified '' but failed to outline investigation procedures as requested or produce proof of the original contract. XX/XX/ I mailed XXXX, XXXX, and Transunion demanding the unverified items be removed from my credit report immediately. They have yet to do so and claim XXXX XXXX has continued to verify the debt. Additionally, I am still receiving mailed statements from XXXX XXXX services despite the fact that I have yet to be sent proof of the original contract for this alleged debt. This company is in direct violation of 15 U.S.C. 1692 ( c ), U.S.C 1692 f ( 1 ), AND U.S.C. 1692 ( g ).

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 2023-06-19
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:
I sent a dispute to XXXX  as I denied any ownership to this account they claim is mine. There was no investigation and they reported to my credit report any way. I never had att and filed a claim with federal trade commission as well.

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 2020-04-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am an authorized user on XXXX XXXX XXXX  account beginning with XXXX, a credit card with a {$600.00} limit and no balance.

T

his company is not reporting a credit account with a good payment history, low balance, and high credit limit, which adversely lowers my credit score preventing me from obtaining new credit accounts and purchasing a home. Failing to report that I have other credit accounts that are in very good standing very good credit worthiness is a violation of my consumer rights and an unfair credit reporting practice.

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 2019-01-28
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a Navient customer. Since XXXX of 2018, I have filed 3 income driven repayment plans. During the last application of IDR I attached a letter explaining I can not afford {$870.00} a month as I am a XXXX in Georgia, XXXX XXXX with a son who has XXXX. Currently, my monthly repayment plan is still at {$870.00} a month. Navient is not being cooperative with my needs. I am in the mean time going to apply to have my loans consolidated through the federal loan servicing. I need my voice to be heard this is very frustrating and not necessary. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
During the Covid-19 pandemic, Discover not only didn't try to help its customer but they chose to close my account due to inactivity. There was no advance warning at all. After contacting the customer service, they would not reopen this account. This is totally unacceptable and it does show this company doesn't care about its customers.

Company response to consumer: Closed with explanation