BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: OK
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 lots of inquirys that didn't have permission or no need to view my credit report XXXX XXXX XXXX had my permission to review twice on XX/XX/XXXX and XX/XX/XXXX I signed my car note XX/XX/XXXX with XXXX XXXX, All inquiry 's after XX/XX/XXXX DID not and DOES NOT have my written permission XXXX XXXX XXXX XXXX did not have permission to pull credit on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Unless They can show they had my permission remove these inquiry 's listed, XXXX XXXX had my permission granted to pull my credit on XX/XX/XXXX XX/XX/XXXX on both dates I signed my contract for car with XXXX XXXX XX/XX/XXXX and XXXX on XX/XX/XXXX there was no need to countinue pull my credit report, XXXX XXXX did not have permission on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XXXX did not have permission on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX these companies need to either provide where I gave written permission with a signed and dated document or remove from my credit report, EXPERIAN is to insure that my report is being hand out with my permission and maintain copies of such in my file 15 U.S. Code 1681b - Permissible purposes of consumer reports The term permissible purpose is defined by the Fair Credit Reporting Act ( FCRA ) as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. I do understand the language, so please investigate all inquires and remove all non-account inquiry 's

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 2021-11-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : LATE/CLOSED XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions Inc.
State: MS
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:
This account is showing charge off. I havent been billed since XX/XX/XXXX, but its still reporting missed payments every month. Also, I have not received notice of collections or a new lender that bought the devious debt. I went overseas in XXXX and called the Lender to express that I was deploying in the armed forces and they told me that I would not have to make a payment until I came home. Call was recorded and monitored, but now theyre saying they dont allow such a thing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a PNC checking account on XX/XX/XXXX. At that time, I was told I am eligible for feee checks. One week later, I received no checks and called to find out that checks need to be ordered separately. I ordered my checks through Pnc representative on phone at the end of XXXX and was told the checks would be delivered in two weeks. Today ( XX/XX/XXXX ) I called to ask about the checks and was told the checked have never been sent out because the previous representative did not order the checks at all. I was told either to wait another two weeks or pay extra for expedited services. it has been over six weeks since I opened my account and use the bank as my only bank for my income. How can I pay my bills without fiscal checks? Why should I pay for the extra fees when it was the bank that kept messing up with my order. I am writing to request expedited checks without paying for that. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Great Lakes, the private company the government pays billions of my taxpayer dollars to provide incompetent loan servicing to Americans, has reported that my student loan is in deferment due to coronavirus, which is a lie. My credit score went down! 
Please investigate and fine this terrible company which is actively harming Americans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: JPMORGAN CHASE & CO.
State: PA
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:
On XX/XX/2018 I purchased airline tickets through Chase travel for {$1700.00} total. {$240.00} in credit card rewards were used and balance of {$1500.00} put on my Chase credit card. In XXXX my father in law had taken a turn for the worse and we decided we couldnt take our trip. I had submitted a refund through XXXX XXXX after reviewing their policy and steps. I obtained a letter from the XXXX  physician that was needed and submitted all needed information. On XX/XX/2018 I received an email from XXXX XXXX saying they understood and they wished us well and processed the refund. It wasnt until sometime later I realized that the rewards part of the credit card was a third party and that is who I needed to get my credit from. I had noticed in the email from XXXX XXXX the credit card that was credited ended in XXXX, not my credit card. Chase the credit card department had informed me that the third party travel rewards department would not refund me due to their policy of the purchase needed cancelled within 24 hours and  they did not care about my father in law at that time XXXX. I have attached a complaint form I filed with the credit card  company along with all other supporting documentation. The third party travel rewards department for my credit card company has now received money from me ( Chase credit card ) and also from the airlines so they have made money off this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-27
Company: Penn Credit Corporation
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: Account information incorrect

Complaint:
Collection from Penn Credit Corp, I do not recall doing any business with the following collection agency. Please verify debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Army and Air Force Exchange Service
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Example, I received a statement, dated XX/XX/XXXX balance {$460000.00} minimum due payment of {$120.00}. Next statement, dated XX/XX/XXXX balance {$4400.00} with minimum due payment {$120.00} For the past several months I have received statements with minimum payment due of {$130.00}. Statement for XX/XX/XXXX is {$130.00} with a balance due of XXXX I have contacted XXXX where I make my payment for AAFES by phone in the past few months regarding my concerns about my pay statements. However, when I get in touch with there customer service staff member. I am told my minim due payments are set by AAFES. Later I call again getting difference customer service agent with in days a part getting a difference answer. Example, I am told I have to make a purchase on my AAFES card, then my minimum due payment will decrease. I contact them again, I am told that I need to pay a higher minimum due payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: GA
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:
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to XXXX, XXXX, and Experian and they haven't removed them from my credit report. The following creditors inquired 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

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 2018-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted XXXX  on XX/XX/2018.XXXX stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
When Credit grantors decide to close your account because you dont owe them anything, you havent used the account In quite some time, you were never late, they close it and closed accounts negatively affect your credit.

When you lose a debit, or credit Card the banks close that account so your credit report shows closed accounts which is negative, they will send you a new card but closing that account is harsh on your credit When you no longer owe on a. Who le and they close your account, thats negative. I had a car, it was totaled, I had gal insurance which paid the credit union to satisfy the loan, so loan was satisfied 100 %, never a pete payment, they closed the account which has negative impact on credit Closed accounts severely damage your credit score AND they diminish your credit history even though you were perfect!! Paid on time always never late so we are punished for paying off our debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Forster & Garbus LLP
State: NY
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:
In XX/XX/2018 i received a court paper-A SUMMONS from XXXX XXXX XXXX by way of Forster & Garbus LLP ATTY FOR PLTF. Stating i owe {$2200.00} for a pass debt. I do not even know this XXXX XXXX company so there for i do not believe i owe them any money have never spoken to anyone at that company have no contract with that company and would like for XXXX XXXX as well as Foster & Garbus to stop sending me courts papers, summons, collection paper. All mail to cease. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I applied for a Credit Card with XXXX via Citibank NA. I received that card and have no problems with that account. 

About 3 weeks later, I received an unsolicited Credit Card from XXXX XXXX XXXX. This card is also issued by Citibank NA! 

It appears they are either opening a new account without my permission ; OR, have been hacked and someone is opening a new credit account in my name.

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 2018-05-12
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: Personal information incorrect

Complaint:
On XX/XX/XXXX I also Sent Equifax to remove the incorrect addresses on my credit profile. 
They have failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-21
Company: MNS & Associates LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/ received lengthy voice mail message lying about documents that were to be sent out -- -they needed asset verification and address verification. Phone screen showed incoming call from ( XXXX ) XXXX. XXXX gave XXXX to call for questions. 
XX/XX/ XXXX  received incoming phone call regarding the above. When I asked questions, caller lied to me and refused to answer any further questions, and kept asking me repeat questioning while I was asking for clarification. When I refused to provide information, caller told me I was wasting her time. I asked that she remove my number from the list and get rid of it ; she replied that she certainly would! Phone screen showed incoming call from ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions 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:
Two collection accounts for the same originator ( XXXX  ) who stopped reporting an account that was not mine. Now XXXX XXXX XXXX and XXXX XXXX XXXX are both reporting this account in violation of FCRA regulations. This is an attempt to collect on a debt not mine and to cause malicious damage to my credit reports ...

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 2021-07-14
Company: National Credit Adjusters, LLC
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Personal information incorrect

Complaint:
Transunion displays innacurrate employer XXXX XXXX. I do not work for XXXX XXXX. I work for XXXX. Explained this before

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 2018-06-20
Company: I.C. System, Inc.
State: WV
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:
On my XXXX  report there is a collection of {$450.00} by I C System for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from I C System, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
AFTER REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20, XX/XX/20 AND XX/XX/20

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian and XXXX  credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: MO
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:
XX/XX/2016. My project loan from XXXX XXXX XXXX XXXX was compromised and added to a companies pro desk account. Chargers were made on the account, without having possession of the card. I contacted XXXX, filed and identity report with the FTC. Filed a police report as well. I continued to pay the account in the beginning of resolving this matter, due to the fact I did not want my credit affected. They never removed this account from my credit, although I had proof of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
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: Personal information incorrect

Complaint:
I am having issues with old addresses and information not current or accurate on my credit report. 
My name is XXXX XXXX XXXX My SS is XXXX My DOB is XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services. 
XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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