BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I pulled my credit reports to see what was on my credit, as my family and I are looking to rent a house and I found that each credit bureau ( Experian, XXXX and XXXX ) pulled Bankruptcy information from a XXXX party and the court verified with me that they do not report to credit bureaus and therefore must be deleted. If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. This is hindering me from renting a house along with getting a car at a good interest rate, credit cards and could potentially prevent me from getting a job or a promotion.

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 2017-03-29
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Delinquent account

Complaint:
The bank in question reporting my payments as being late from XX/XX/2016-XX/XX/2016. I was set up on automatic payments for that time frame in question and every payment came out of my checking account at the same time every month and was never late but yet they have reported me late every month until i finally had to pay them and close my account with them for the damaging effect they were having on my ability to get a home loan with the best possible rates.

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 2023-12-20
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting 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:
As of XX/XX/2023, I have had several accounts compromised. Attempts to apply for loans or credit cards have been made without my consent. I have not done any such activity for a long time. I have also received several e-mails, starting on XX/XX/2023, stating I requested to reset my password or my password has been changed. I have been rigorously been changing passwords for all these sites. I have also had to shutdown the credit card I regularly use, three times this year, due to fraudulent charges. I suspect identity theft has taken place and I need corrective action taken immediately.

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 2019-08-19
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: Account information incorrect

Complaint:
Viewed credit file through Transunion in reference to XXXX XXXX account showing as charged off on my file.  File shows last reported :XX/XX/19 in the amount of: $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 2017-03-09
Company: National Recoveries, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I lost my job and signed up at the XXXX XXXX XXXX. they had me in class the next day. I XXXX made about $ XXXX year income. I was receiving grants. I got to XXXX. Then I had a XXXX. I had a XXXX 9 months earlier. I had a XXXX. I did not have stamina to continue financially. They would n't give me time off until I was better withdrew me and told me that I had no more grant money. I did pay about {$250.00} a month on my student loan. I called once to tell them I was gon na be late. They told me that I did n't make enough money to pay them. so they put me on defer ments. you have to understand I basicly worked XXXX jobs. I signed to consolidate a couple times with a reasonable amount I could pay {$110.00} a month. then the payments went up to a XXXX a month. I quit. that was 20 years ago Now 14 years at my job and 20 years later they are garnishing my wages for 15 % of my disposable income. Now i make less than XXXX and and they say i owe them a {$120000.00}. I heard the school got sued. they closed and the building does n't even exist anymore. but i am stuck with a loan i can not po possible pay back and no great job to support myself. I in my core do not i should be victimized like this. On my credit report is says closed with a XXXX balance. I am XXXX years old. worked hard for my little bit of money all my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
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:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020 ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
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:
I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXBalance  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXXBalance : {$5400.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: GA
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 contacted Experian ( credit reporting agency ) several times over the past year regarding fraudulent accounts that were opened in my name. Experian responded and told me that if I mailed my driver license, proof of mail and social security they would block the fraud accounts ( XXXX XXXX # XXXX and XXXX XXXX # XXXX ). Once I mailed in the information I called and was told by a representative that the accounts could not be blocked even with the FTC report I mailed in. I followed their instructions and they still refused to help me. The above referenced accounts are still reporting on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: EQUIFAX, INC.
State: MS
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I 've been disputing this for 2 years now. I recently Pulled my credit and saw XXXX is still on my Credit report for $ XXXX. I do not recall this debit, I sent four different letters requesting investigations and re investigations from the credit bureaus to investigate this matter. After several attempts to find out any information about this alleged account. I Sent a Notice of pending litigation, Seeking relief and monetary damages under FCRA section 616 & section 617, giving them 10 days to verify this alleged account and send me proof of this account. Still No reply, no action. XXXX is Still on my credit report and reporting monthly late payments dropping my credit score drastically. I have rights and I plan to pursue them. They are impairing me from a fair chance with creditors and a quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I got a call from Chase Bank about a charge that was being made and did I authorize it. I said no and then they said that they would cancel my card and reissue another one. It turned out that they were scammers and were spoofing the phone number of Chase Bank. They had a lot of my current information and sounded legit. I gave them the info they requested. The next day when I checked my accounts they had withdrawn twelve- {$100.00} withdrawals and two- {$40.00} withdrawals from my checking account and two- {$100.00} withdrawals from my savings account for a total of {$1400.00}. I immediately called the Chase fraud department and they said that I made the withdrawals. I said I didn't and after some research we found that they used my XXXX XXXX to make the withdrawals from the info that I gave them. After going back and forth with the fraud department they said that they weren't going to refund any of the money and rudely hung up on me. I called them again and said that the {$200.00} from my savings account showed being refunded and they said it may be refunded. Well, a few days later they did refund the {$200.00} in my savings account. So why did they refund it to my savings account but not my checking account? I thought there was some federal law that they have to return my money. I did contact the bank the next day and after the scammers took the money out of my accounts but gave up not knowing I may have some recourse but finally decided after doing a lot of research to contact the FDIC for help in this matter. Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was barely in the country from out of country trip when the Fraud charges happened. I got a notification received on my email and text regarding a charge. I immediately called them and went online to the bank website to disable my card. I was literally still on the phone with them as I was receiving charges in real time to my card to my phone. I told them it was fraud and the charges were made without my permission, especially WHILE I am on the phone with them. I have told them, while the charges are happening in real time, that it's not me and I do have the card in my possession so it made no sense how its going through.

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 2023-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX credit card is a business credit card which is included in company 's XXXX  XXXX. The account holder is XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 

However, XXXX is still trying to collect and harm my personal credit. In addition, I've had several fraudulent XXXX XXXX 's collection attempts from XXXX XXXX bank accounts unrelated to the business. 

I demand XXXX business credit card be removed from my personal credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm writing this letter of complaint to the credit bureau to let them know once more that I was a victim of identity theft. My desire to contest unlawful items that are appearing on my credit record appears to be completely unimportant to the credit bureau. I need the items removed from my file as soon as possible because this is a clear violation of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX*Balance : {$5400.00} ; XXXX XXXX Balance : {$3400.00} ; XXXX XXXX XXXX ( OriginalCreditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; 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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions.

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 2023-10-31
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX Credit Bureaus are reporting illegal unauthorized fraudulent transactions and charges from XXXX XXXXXXXX XXXX  as evidence of XXXX police report XXXX and other evidence investigations from, XXXX XXXX XXXX and XXXX and XXXX XXXX investigations and XXXX reports Credit Bureaus ignoring all investigations and continue to report negative reporting on my credit reports from XXXX XXXXXXXX XXXX  illegally repeatedly to clouding with XXXX XXXXXXXX XXXX in reporting negative on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I rehabilitated XXXX loans through XXXX which were then transferred to Navient on XX/XX/2017. At the end of the rehabilitation program, 16 % collection cost fees were added to the principal followed by a 1.5 % Rehabilitation writeoff. The totals were {$48000.00} principal, {$8000.00} collection cost fees, and {$1100.00} Rehabilitation writeoff. The total principal transferred amount transferred from XXXX to Navient barring interest was {$55000.00}. ( confirmed by XXXX ) Navient is stating the total is {$55000.00} plus an unpaid collection cost of {$1100.00} for a total of {$56000.00}. They are charging me for the fees that were written off by XXXX. I have filed two disputes with the Office of the Customer Advocate at Navient and received the exact same denial response document both times. They are very unhelpful over the phone and claim to not have any answers. They schedule a supervisor to call and discuss but the call never comes. They are unwilling to discuss the disputes I have with the additional charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My daughter was taken to Texas XXXX due to a XXXX that she obtained during a basketball game in XX/XX/XXXX. As her parent, I was asked if I wanted a XXXX to be conducted. I advised that I did Not if the cost would not be covered by my insurance. My daughter was then taken from the room with no communication to me that a XXXX was being performed. I later received a bill from Texas XXXX for {$1500.00} in which I called to dispute and was informed to submit a dispute online. I later called to follow up on the dispute and spoke with an billing agent whom communicated I did n't have to take any action while the matter was being researched. I never received results of the escalation or additional billing. I however, did receive notification from a Collections Company dated XX/XX/XXXX. My concern is erroneously damaging my credit report and pursuing collections on a charge that I disputed and should not be liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My loan is with Navient. For the past several moths I 've been having issues getting to my information then found out is was incorrect in their system. My social security number and account number is under someone else 's name and birthday they refuse to help me correct it or and gave me abother number to call but it was automated and could n't get me anywhere. I 'm suppose to make a payment on XX/XX/XXXX but ca n't because I ca n't get into my account but yet when they send me bills my information is correct. Ive also tried to lower my payments because with all my other bills i struggle to come up with that much extra money, but they have told me i have no other options and havent even tried to work with me. Ive even told them that im about to go through a divorce and will be a single mother making uner XXXX a month and they told me there was nothing they could do. I 'm not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate as unknown things on my credit report. To this day, over 39 days later, I have not received a response yet. I feel that I am 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 39 days so they should be promptly deleted. I demand these accounts be deleted immediately or i will file for litigation due to stress you caused me. My information was also impacted by the XXXX data breach and XXXX data breach and may have got into the hands of the wrong person.

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 2017-03-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I paid this account off in full and yet they are still listing themselves on my account as unpaid. I want them completely removed as the credit reporting company agreed that this account has been paid to a {$0.00} balance and indeed, should not be still appearing 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 explanation