BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-10
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 status incorrect

Complaint:
In XX/XX/2022, I was notified by XXXX XXXX that beginning XX/XX/2022 my mortgage loan servicer would be XXXX XXXX. Per the letter notification I began making remitting my payment to XXXX XXXX. 

I recently pulled my credit report and XXXX XXXX is report mortgage late payments for the months of XXXX, XXXX and XX/XX/2022. This is a RESPA Violation, as my payment was not late. 

I am refinancing my loan and have been denied due to XXXX XXXX erroneous credit reporting. I have reach out to XXXX XXXX requesting a letter that I was not late. I also requested then to correct the error with the three Credit Bureaus. I have not received any response for XXXX XXXX. 

The situation is adversely affecting my ability to refinance my mortgage loan. 

Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: MO
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:
ALL ACCOUNTS PERMANENTLY LISTED BELOW : NO WRITTEN CONSTENT TO DISCLOSE PRIVATE INFORMATION 15 U.S.C 1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; 15 U.S.C 1681 ( section 602 A ) States i have the right to privacy 15 U.S.C 1681 ( Section 604 A Section 2 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

DELETE ALL LISTED ACCOUNTS BELOW : or I WILL SUE YOU Civil Federal courts {$1000.00} and additional damages for willfully non compliance UNDER FCRA 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20
Company: CNG FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received phone calls from XXXX XXXX, threatening legal action for a past due bill. I was intimidated, so provided my fiancs debit card number because we share a bank account. She called XXXX XXXX, and felt that he was scamming us, so she cancelled her debit card. She asked XXXX XXXX to send a bill, and he sent it in an email. The cover page of the email had a company logo for XXXX XXXX XXXX. Inside the email, it stated it was from XXXX XXXX XXXX XXXX, XXXX. The current creditor was listed as XXXX XXXX XXXX, XXXX. My fianc and myself have received numerous harassing phone calls from XXXX XXXX. He has shouted at her, called her a low life. He calls my family members and tells them theres a case against me for fraud. We both have been threatened with legal action for providing a false instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX  of XXXX, I defaulted on my Federal Student loan. XXXX XXXX XXXX was hired by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ) to collect my balance of {$13000.00}. I spoke to XXXX on XX/XX/XXXX where we agreed that I would enter into a federal rehabilitation payment program to repay my loan. He explained that I needed to email copies of my tax returns after I verbally told him what my income was for that year by reading the amount off my XXXX tax return. I further explained to him that I was making 3 other student loan repayments and would be able to pay $ XXXX  monthly. Also, I explained that I would be able to make a payment that night and he didn't take it because he wanted to get me enrolled in the rehabilitation program, which I was qualified for. He said, that $ XXXX  monthly would be around what my payment would be from learning what my gross annual salary for XXXX was. He assigned me the reference # XXXX and asked me to email my tax returns. Upon receiving my information, he would submit all the paperwork and send a confirmation via the United States mail. I emailed my income tax return as soon as I hung up with him. I received a confirmation via email that they received my documents. Please note that all conversations are recorded at their company and this one has me agreeing to enter into the rehabilitation repayment program on XX/XX/XXXX. Then on or about XX/XX/XXXX I receive a letter from XXXX XXXX XXXX with a new balance of {$16000.00}. I immediately called them & asked why? Mr. XXXX XXXX, supervisor, explained that the new balance was because of my lack to supply sufficient evidence of my taxes. Subsequently, I had no recourse with them, thus I contacted the New York State Attorney General, XXXX XXXX. I have the documents from their office which I would like to forward to your office. I have also contacted the Division of Finance in Missouri and XXXX XXXX is waiting for a response from 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 2023-12-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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
Consumer complaint received 2022-05-31
Company: EQUIFAX, INC.
State: WA
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 recently submitted a 3rd dispute for the credit reporting agency Equifax to fix the inaccurate information on my report. I sent all account information, including description of what was incorrect yet they rfuse to remove the inaccurate information and ask again for me to provide the information, see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I recently created a XXXX XXXX account and I noticed a hard inquiry for SYNCB, national credit cards / Airlines. I have no idea what this is from. I have never had or applied for a credit card. Ive tried contacting everyone and no one has gotten back to 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 2023-06-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I am filing a complaint in response to my previous claim number XXXX Claim XXXX Wells Fargo stated , " Based on the information provided and our research, our Claims Assistance Center completed their investigation and it was determined the transactions were authorized, and no error had occurred. During our investigation of the claim, we have determined that the merchant obtained a valid authorization for the full transaction amount in Visa for these transactions. Based on this information our Claims Assistance Center '' Claim XXXX Wells Fargo states, " Based on the information provided and our research, our Claims Assistance Center completed their investigation, and it was determined the transaction was authorized, and there was no processing error.Please note, based on the information at hand, no new information has been made available to determine that a merchant error occurred, or to be able to continue any dispute. '' Claim XXXX Wells Fargo states, " Based on the information provided and our research, our Claims Assistance Center completed their investigation, and it was determined the transactions were authorized, and no error had occurred. On XX/XX/2023, the claim was denied and closed, and a letter was mailed out to the address on file on the same day. 
After our research we have determined that the merchant obtained a valid authorization for the full transaction amount in Visa for these transactions. Based on this information our Claims Assistance Center reviewed the claim and determined there was no merchant error, and the merchant obtained valid authorization to charge your card. As a result, your claim was denied and closed. '' Response : At first, my claim is about merchandise/service not received for which I have provided the documents to the best of my ability including conversation with the website where I made the payment, email from the website and picture of my account disabled. 

Wells Fargo has not even made an attempt to reach out to the merchant and ask for the documentation and have come to their own agreements stating the the merchant transaction was valid. 
Consumer is complaining for a reason and has provided the documentation and constant email and chat conversation yet Wells fargo has decided to overlook these documents. 

Can Wells Fargo please explain how they can make assumptions that the merchant provided services without trying to question them when your customer has been complaining for 6 weeks and has provided documents for your every request. 

I do not have documents of my account not showing online credits as the merchant has deactivated/disabled my account so I can't win the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
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 have been working on my credit with Experian, XXXX, and XXXX for the last few months and while some stuff was removed, a good bit was still there. I asked them to provide proof of debt owed and neither them or the debt collector has provided me any proof via mail of account information, contracts, signatures, etc. This is unacceptable because it's illegal to have wrong information 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
Consumer complaint received 2022-07-14
Company: EQUIFAX, 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 have been submitting letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports.. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation # XXXX, Credit File XX/XX/2021, Confirmation XXXX. 

Equifax is reporting the XXXX XXXX account which is identified as an installment loan which is factually incorrect. The true account type is a credit sale agreement. I have a right to an accurate credit file and discrepancies like this are unacceptable. Please remove this account from my credit file. 

XXXX XXXX is required to report accurate information. The continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been reporting that I owe them money on my credit report. Before this, I have never heard of this company or ever done business with them. I have been writing to both the credit bureau and XXXX XXXX to have this debt removed from my credit report. In order for this debt to stay on my credit report, XXXX XXXX continuously approves or update the status that I owe this debt. But how? They have yet to substantiate or validate this debt according to FDCPA requirements. They have not shown any documentation with my signature on it in agreement with their company, They have not shown how they calculated this debt, or even where this debt orginated from with THEIR business.This is unfair and by far detrimental to my credit. They are in violation of both FCRA and FDCPA act.

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 2023-11-04
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-03-19
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 accounts blow has violated my federally protected consumer rights to privacy confidentiality under 15 USC1681. 
XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  XXXX, XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX US Dept Of ED XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX - 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 604 A Section. States i have the right to privacy.

15 U.S.C. 1681 Section 604 A 2 : It also states a consumer reporting agency can not furnish a account with0ut my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any following items of information Any other adverse items of information other than records of convictions of crime which antedates the the report by more than seven years.

15U.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 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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
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:
Experian is currently reporting payment history activity in XXXX on my closed mortgage account after the account closed on XX/XX/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 2021-04-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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
Consumer complaint received 2021-06-09
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed online by XXXX and he said about sending me a gift. But then fake courier milefast send an email to me requesting fees for an antiterrorist certificate, anti monetary laundering certificate, international monetary fund certificate. 
I requested a claim investigation for scam wire with my bank, Citibank in XX/XX/2021. Recently, Citibank closed the case because the beneficiary bank XXXX XXXX responds that the scammer withdraws all the funds and closed the account. The amount is {$2000.00} with reference number # XXXX. The second amount is {$8400.00} reference # XXXX. I

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