BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: Experian Information Solutions Inc.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and XXXX files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent 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 2023-09-19
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had recently opened up a new account and was expecting my direct deposit from my employer the USPS but instead Im getting a email about them closing my account due to fraud. They put a block on the acct and refuse to send my funds that is in my account. My deposit date was XX/XX/2023, in the amount of {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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: Personal information incorrect

Complaint:
I have disputes several names that I am disassociated with, or are clearly not my name as well as addresses. I would like them permanently deleted as I do not utilize these names, phone numbers, or reside at these addresses except one. I also am trying to delete the several phone numbers on my reports as I have had lost/stolen phones over the years and my personal information being used linked to those addresses as well as phone numbers. I have 1 name, 1 phone number, and 1 address that I use and reside. These appear on XXXX, XXXX, and Experian.

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 2018-10-27
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX from XXXX XXXX, California has sent me a Pre-Legal Notification/ Debt Collection letter I received on XXXX XXXX, 2018 claiming that I owe {$3300.00} on a XXXX credit card. I do not own a XXXX credit card. The letter threatens legal action if I don't pay. I contacted them via phone. The man I spoke with had a very thick XXXX accent which was extremely hard to understand. He wanted my social security number and date of birth which I did not supply him. I let him know that what he was doing was illegal and that I was going to file a complaint with my attorney general 's office, the United States postal service and the Federal Trade Commission which I did, today, XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-18
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
From XX/XX/XXXX until today I have been disputing fraudulent collection accounts fraudulent addresses and names that are spelled incorrectly on my credit report the only things I have been offered is freezing my credit which i had tried for almost a year and mad no difference in fraudulent charges being added onto my credit account even though my credit was frozen the creditors still allowed fraudulent debit collectors to add charges to my credit report Ive also been offered free credit monitoring and an added statement to my report warning that there has been and may still be fraudulent charges added to my report I have spoken to all credit bureaus over the phone pleading for them to stop letting fraudulent activities go on my report on my behalf and yet still 10 years later I am still waiting for someone to help me repair my report and reputation I have many inaccuracies on my report and it effects me so badly I have never been able to utilize my credit in an way possible I have also complained to the credit bureaus about an fraudulent secured credit card I had received 7 years ago that didnt not have the right no charge off on my report because I had placed a deposit on the card to receive it and I was also paying for loss insurance XXXX XXXX had offered to me when I signed up for the credit card which was supposed to be an option that allowed me to pay the card off in full if there was an emergency like a loss of job or other financial emergencies in which XXXX XXXX never condoned or even offered this incentive I payed for when I had experienced sudden loss of financial willingness to pay my monthly bill I to also have a problem with the credit card company XXXX XXXX XXXX card fraudulently changing the dates on my report they have changed the date I received the card they have swapped older dates for newer ones so that the collection account the company has on my credit report will stay up to date and never expire For the last 9 years I have also had my state tax return taken away from me to pay fraudulent debts to an unknown company that takes advantage of the Kansas offset program and there has been several instances where I had no idea what happen to my state return where it went and why and I have given the Kansas offset program calls multiple times and I have never been told anything except my money was taken for an ambulance bill for the last 9 years i feel that I my financial stability has been robbed from me and I have lost all hope at this time because someone else is using my information to do whatever they want and there is nothing I can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: NCB Management Services Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have sent notices to each of the credit bureaus indicating that I was a victim of identity theft, and they have failed to correct the issues.

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 2023-04-28
Company: DISCOVER BANK
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:
My credit report was hit twice on XXXX with the person using my information and Social Security number from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2018-04-23
Company: EQUIFAX, INC.
State: WA
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:
I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
on XX/XX/XXXX a Hard Credit Inquiry was placed on my Account without my Knowledge. No creditor information was provided for me to contact the agency.

I believe my Identity has been stolen as this is the 4th invalid/ false inquiry placed in my name in the past 4 weeks.

This Inquiry came from : XXXX/XXXX and it says its a Bank card.

I did not apply for any bank cards and I do not know what or where this bank is. 

This was done without my Authorization and no signature or identity proof. This needs to be removed from my Account Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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 non-monetary relief
Consumer complaint received 2018-10-25
Company: JPMORGAN CHASE & CO.
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I logged a complaint with you : XXXX. Chase received it and sent a letter to me about it back in XXXX. It is now XXXX and I have heard NOTHING SINCE. I contacted them and left messages and no one responded and the general line claims they can not patch me through because that department doesn't have phones, which is an outright lie, since they provided me with their number, which they never answer. 

I JUST WANT MY MONEY BACK!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have been trying to get a car finance throw my Credit Union, I was given an phone number to call, for Equifax which I continue to have issues with. They REFUSE TO CORRECT MY CREDIT FILE. I use my original birth name, and I have to get the sex corrected on my original birth certificate.

I called the phone number to Equifax, and ask them to remove my Security/Credit Freeze, so that I could try and get a car financed.

However, Equifax continues to update my Credit File, and once my Credit Union ran my credit report, I wanted my Security Freeze and or Credit Freeze back on my Credit File.

I need the correct pin number to access my credit file, and I need an new number for my Credit Freeze and my file was updated.

I was told the Credit Union faxed over information about me : Social Security Card Drivers License Utility Bill Equifax on the phone while still at the Credit Union to me that he was faxing over my information, and that it would only take a few minutes, However, when I called Equifax back, the Customer Service Claims that No One talked to me, and now my information, after the Credit Union Faxed over my Documents. 

I have not been able to reach anyone at Equifax, this happen on XX/XX/2018. 
The Credit Union Branch Manager XXXX XXXX, was very patient with trying to help me. 

I tried calling the Federal Bureau of Investigation, but the Bureau hung up the phone. 
Someone is accessing my information, and trying to steal my " Inheritance ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have hard inquiries on my report that I have no affiliation with. I didnt apply for credit for these accounts. 

XXXX XXXX XXXX  XXXX TransUnion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX These unwarranted inquiries are having a negative impact on my score. I dont have any accounts with these companies.

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 2023-04-28
Company: Nelnet, Inc.
State: TX
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:
Nelnet is my student loan servicer. I was part of the XXXX vs. XXXX class action law suit. This case won, I was awarded {$45000.00}. Nelnet has taken this amount and applied it to my student loans. These loans were discharged. My wages were garnished in XXXX and XXXX and I made other payments. I am to receive a full refund for all payments made. Nelenet has deleted all of my payment history, statements ( only 2 statements show XX/XX/XXXX and XX/XX/XXXX ) and loan details. I attended XXXX XXXX XXXX Texas XXXX XX/XX/XXXX to XX/XX/XXXX, the school was fraudulent, hence the discharge. Nelnet won't give me a straight answer on how much my refund amount is? They have deleted federal documents which is against the law. I talked to the federal student aid customer service and was told Nelnet can get into big trouble for deleting federal documents, and they should not be able to delete any information on students accounts. Please help me get my refund and punitive damages. Nelnet is hiding and deleting nformation because they don't want to give students their refunds. I paid thousands and I only received a check in the amount of {$150.00}. I received a letter in the mail from Nelnet with this information. How will I know the real amount I paid since my payment history has been deleted? I have called Nelnet many times and I get a different answer every time. Nelnet can put in false information at this point since they have deleted my payment history and statements. I tried getting payment history through my bank but the bank only has statements available for the past 7 years. Nelnet needs to be investigated and made to pay my refund with punitive damages for their lack of integrity and fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: AES/PHEAA
State: NY
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:
In XXXX of XXXX, I completed an application for and submitted an employer verification form requesting to enroll in the Public Service Loan Forgiveness Program with XXXX. I then contacted them in XX/XX/XXXX to submit the annual employer verification form. On XX/XX/XXXX, I received a letter stating that I will only be credited for on time payments made from XX/XX/XXXX to XX/XX/XXXX although I have been a full time employee of the XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX  since XX/XX/XXXX and verification was submitted confirming this. The representative stated that they have my employer as the XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and the XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I explained that the XXXX XXXX  XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX is the same employer and it either way it is a public institution. The XXXX representative acknowledged that the Federal ID # was the same for both names ( XXXX ). I was told that my case will be reviewed and adjustments will be made if on time payments were made while employed at my state job between XX/XX/XXXX and XX/XX/XXXX but the review will take anywhere from two months to six months. During XX/XX/XXXX, I contacted XXXX to get an update and was told that my account has not been reviewed and can take up to a year to review and no additional information can be given to me at this time. I feel that this time is extremely long and unfair and the review should have already began as it is four months since I requested a review. I do not believe that the process takes that long as the history of my loan was forwarded to XXXX when it was purchased by XXXX. How is it then possible that they need 6 months to a year to review. It is now 4 months and my account has not even been looked at. I believe XXXX has no intention in reviewing my account with the expectation that I will give up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$470.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a house in 2018 and took out a mortgage with PNC Bank. The property taxes on the house were due XX/XX/2018 and PNC did not pay them. I contacted PNC in XXXX and they said they had made a mistake and would pay them immediately. Today I found out they had not paid them. I called them again and they would not tell me when the overdue taxes would be paid or why they had not paid them. 
The loan number is XXXX. 
PNC 's telephone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation