BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent dispute letters to XXXX, Equifax and XXXX on XX/XX/2023 and asked them to reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX  and XXXX I asked them several times to correct this information and they keep responding that the information has been verified. The credit bureaus keep disrespecting the laws. I showed them multiple times how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 15 USC 1681 I have a right to privacy According to 15 USC 1681S-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my report. 

The credit bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is inaccurate, the high credit is inaccurate, credit limit inaccurate, date of last payment is inaccurate, account status is not accurate. This is grounds for removal. 

I can go on and on about how the credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have contacted TransUnion several times explaining that incorrect information is being reported in my name. I have never filed for Bankruptcy, this should be deleted along with the accounts that you did not delete with my last dispute for XXXX XXXX & XXXX. They are the only remaining accounts that you did not delete as you deleted & blocked the other accounts as I asked in the last request. I have sent information along with a letter from the courts saying that they do not verify or report to any credit bureau. Please delete this information this is my third request and you keep deleting a few accounts at a time instead of all at one time. Please delete these accounts.

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 2023-12-17
Company: Experian Information Solutions Inc.
State: OR
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:
This is no longer my account it is a charge off and written off and sold to another company the contract between me and XXXX is voided and I know longer owe them this debt Im entitled to a accurate credit report delete this account 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 explanation
Consumer complaint received 2023-09-06
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$1800.00} to my original balance transfer account. I also have {$5300.00} on " Flex Plan '' payments left on my closed account. I had also paid {$200.00} earlier in this billing cycle to satisfy my Flex Pay plan due. 

Options to pay {$1800.00} were explicitly made to pay new balance and would not be applied to future Flex Payments. Copied from screenshot - that option specifically states : {$1800.00} - Remaining Adjusted New Balance + Flex Plan Monthly Payment This is the remaining amount owed to satisfy your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. 

Citibank Reps advised me that the payment would go to the highest Interest Rate- which is technically the Flex Plans at this point.

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 2023-03-04
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:
My name is 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 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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 non-monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MI
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:
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.

has violated my rights. Or list of inquiries 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 2022-07-25
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2022 I received a refund from XXXX by XXXX. I immediately contacted my bank Chime. I sent a copy of the detailed and itemized receipt. Chime did not investigate my claim because they said I closed the claim myself. I was on the phone with a dispute XXXX XX/XX/2022. He advised me that chime had a system update that caused this error to occur. He said not to worry he could reopen the claim. I immediately asked for a provisional credit while the investigation was on going due to me being a single parent of XXXX who is displaced due to home damages. I was told that the investigations team would reach out to me. The investigations team refused to investigate and didnt make contact with me. I have made numerous calls, I have driven back to the hotel and spoken directly with XXXX XXXX who refunded the charges. She explained that this was between me and my bank. She stated that the bank should be able to update the refund with the receipt. Unfortunately chime has not refunded me. My account is still in the negative. I have called daily and emailed daily chime just gives me the run around. I learned that chime is not a bank and that it is a financial technology company. I was unaware until I started looking for solutions to resolve this. I am owed a refund of {$560.00}. I have requested a full provisional credit until the investigation is completed. Each time I am told something different from the previous agent. I need my money so I can keep a XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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 belongs to someone else

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. 

has violated my rights. Or list of inquiries 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have tried to contacted Nelnet XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The only day I was able to reach anyone was XX/XX/XXXX and was told by the representative they could not help because their system was down. I have attempted to access the website several times including today and it was down. They have stopped allowing comments on social media when you have a question. I have emailed on XX/XX/XXXX  and received an email stating I need to call but you can't reach anyone. I've put a complaint on here before which they supposedly addressed the issue and had an attachment but there was no addressing of the issue nor an attachment for me to review. As I type this interest is being added to my loans because they were not correctly placed in Administrative Forbearance. They have admitted to having the letters stating this needed to happen. They received those letters directly from the Department of Education and I uploaded my copies to the website on XX/XX/XXXX. My loans are all tied to Sweet v Cordona and apart of the settlement is that the loans are to be in Administrative Forbearance until the Department of Education completes the discharge. I have put in a complaint with the Department of Education. I had to go apply for the SAVE repayment plan to avoid me not making a payment hitting my credit as a delinquent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: COMMERCE BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
See attached letter. Just received the cards, confusing and misleading advertising, thus appears to be fraudulent, thus we cut cards in half and returning to Commerce bank as we received cards today, XXXX. 

We do not want to do business with this entity and will not be a part of this, and do not agree to the disclosures and advised to cancel account forthwith.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I Have an account in Coinbase with XXXX XXXX XXXX. Since 2 months I cant sell, transfer or buy cripto currencies because the account is under revision. I Have tried to speak with coinbase and its impossible, no answer. Calls, email... but no solutions. 

I would like to send my cripto currency. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-06-18
Company: AES/PHEAA
State: CA
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 was contacted and informed that my account was locked because AES acquired a student loan from education financial services which had incorrected NPI. This created a discrepancy with my account as AES locked my account erroneously. Thus making it impossible for me to log in and make my payments as I'm always consistently on-time. I was instructed by the company 's customer services representative to scan a copy of my driver 's license and passport confirming my correct birthdate and either fax/mail this in. I completed both of these requirements as of XX/XX/XXXX. It is now a month later and I'm still unable to log in to the website. I've requested several times to speak with a manager, and unfortunately AES has failed to adequately address my concerns. I'm extremely frustrated as I've had an account with them since XXXX and this has never happened before. I fear my credit will be destroyed and my lender warned me that my loan may fail the CAIVERs test. I'm more than willing to make my payments and I just want to ensure my monthly obligations are accounted for when I make these payments. Please help me as I'm completely out of options and lost for guidance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: TX
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:
I sent my letter off on XX/XX/2022. I told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. Also I have attached and sent them corresponding documents to prove inaccuracies ( photos of my DL, SSN, & utility bills ). Yet has anything been resolved from my report.

According to the FDRC the term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate and its not and i have the photos with highlighted inaccuracies. 

XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-06
Company: Maximus Education, LLC dba Aidvantage
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recertified with the Department of Ed stating that I would be paying {$93.00} per month under the new SAVE plan. Aidvantage said I would be paying {$530.00}. I called them on XX/XX/XXXX and they agreed it was incorrect but told me to check back later. I received an ecorrespondence from them on XX/XX/XXXX saying it would be {$340.00}. I checked back on XXXX XXXXand they said it did not show that I recertified and selected the SAVE plan. They said I could do that through them. I did that and they stated I would be paying {$100.00} per month, which is {$9.00} more than the XXXX website said I would be paying. I asked for proof of this and they said it would show up on the website and through email. I saw neither of those and have not received confirmation yet. I also checked the Student Aid website and it previously said I was under the SAVE plan. I checked today and it switched me back to the REPAYE plan. I checked Aidvantage 's website again today and it said I would be paying {$260.00}, which is what I was paying under REPAYE before payments paused. I called and told them it was incorrect and they said it could take up to 15 days from when I previously called ( XX/XX/31 ) to show up properly. I asked for confirmation again about my certification for my $ 102 monthly payment under SAVE and was told I would receive it but still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: WI
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:
First I asked Equifax, XXXX and XXXX to check the information on my report and to delete certain items. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate and multiple Collections reported monthly. This is ground for removal and monetary relief. 

They also violated the law because according to the FCRA the Credit Bureaus never did a proper *investigation* according to the FCRA, The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ; or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

In accordance with the Fair Credit Reporting act 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. I never gave XXXX, Equifax or XXXX my written consent or instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 response to consumer: Closed with explanation