BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This XXXX account is not mines and has been deleted by Experian. The XXXX account appear to be the same debt, so how can it be posted two times? XXXX XXXX Credit card not mines. 

1. XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} 2.XXXX XXXX XX/XX/XXXX XXXX {$0.00} 3.XXXX XXXX XX/XX/XXXX XXXX {$1000.00} XXXX 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$45000.00}

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 2023-03-16
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have tried having a bankruptcy that is shown on my XXXX and Experian credit report removed and it has come back verified after each dispute. I contacted the Court where it shows the bankruptcy at and they state that they do not release public records to 3rd party reporting agencies. Without that information being released from the court this information is not verifiable.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Please Contact all Consumer Reporting Agencies and demand they delete these item from their reporting immediately as the items have been identified as information in my consumer credit report that is a result of identity theft. These item are not related to any consumer transactions completed by me or initiated by me, Please see attached.

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 2023-07-12
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX Credit Report and Information Dispute Dear Sir/Madam , I am writing to file a formal dispute regarding inaccurate information on my credit report, as provided by Experian, XXXX, and XXXX XXXX I have previously attempted to resolve this matter directly with the credit bureau but have not received a satisfactory response. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to rectify this issue. 

I have identified the following inaccuracies on my credit report : such as incorrect account information, inaccurate payment history, or mistaken balance. 
I believe these errors have negatively impacted my credit score and overall creditworthiness. It is crucial to address these inaccuracies promptly to ensure fair and accurate reporting. 
I kindly request that the Consumer Financial Protection Bureau initiate an investigation into these matters and take the necessary steps to correct the inaccuracies. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S 1681 they are required by federal law to verify through the physical verification of the original signed consumer contract, I have not received any physical form of proof. I also understand that you have the authority to enforce compliance and ensure that the credit reporting agencies maintain accurate and fair reporting. 

I also request that you inform me of the progress and outcome of this investigation. Additionally, I would appreciate any guidance or assistance you can provide throughout this process. 

I am also informed that there was a major breach by one of this agency employees who sent personal information and details to a personal email account. Proper actions was not taken and my personal information may have not been destroyed or deleted. 

Thank you for your attention to this matter. I look forward to your prompt action in resolving these inaccuracies. 

Sincerely, 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 2017-04-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended a now closed for profit school, XXXX XXXX XXXX XXXX, in XX/XX/XXXX. A few months after completing the program my student loan payments kicked in, the one from XXXX being nearly {$400.00} a month. In XX/XX/XXXX my ex-wife and I moved from XXXX to XXXX, and I struggled to find work. She found work fairly quickly, but for far less money. The bills became a burden, so I reached out to my student loan servicers, XXXX XXXX and XXXX XXXX. XXXX XXXX have been very fair with me, first putting me into a plan with no payments until I found work, and then a graduated payment plan which kept the payments very reasonable. XXXX was a completely different story. They told me the only option for my " Smart Option '' loan was Forbearance, and when that ran out, they told me there were no other options available except to continue making regular payments. I found out how long it took for an account to go into Default, told them that 's what I was going to do, and proceeded to stop making payments to them until a month before the account went into Default, because I felt like I had no other choice. This, of course, destroyed my credit, but allowed me to survive from one day to the next. When I finally did contact XXXX again about payments, they were very eager to work with me for payments, naturally, and placed me on a plan for {$93.00} a month, automatically withdrawn from my account. After the first year I received my tax statement and realized that of the {$1100.00} I paid the previous year, only {$17.00} went towards the principal. They have sense jacked my interest rate back up to 10.375 %, and unfortunately while my credit score has improved, I have been denied every consolidation loan I have applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2018-10-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX my home was affected by hurricane Irma. I contacted XXXX ( my flood insurance company ) and was assigned to Mr XXXX as the person to handle the claim. Mr XXXX suggested start removing drywalls in order to stop any mold issues that might come up due to the flood, so I did. The street where we live was flooded and in order to reach the house we must use raised trucks, canoes or military vehicles. 
On XX/XX/XXXX I was issued a check by XXXX for XXXX for damages the house had. I was deceived by XXXX XXXX XXXX  by being told to sing the check and mailed to them so they could send it back to me as soon as possible. I topped my credit cards to the limit, I used a money from my flooded car, I got a loan on my 401k in order I even got loans from my siblings to do the repairs, we did new kitchen and bathrooms, install a water heather, redo the floors, etc. I was trusting XXXX XXXX XXXX to send me back my insurance money and pay all my bills. My insurance money was denied on the basis that I needed contractor documents when I didn't use a contractor. We did all of the work ourselves. We had recently moved to Florida, and I had no idea how things work here, so we went ahead and did the repairs. I constantly told XXXX XXXX XXXX that we did all the repairs ourselves, that we never used a contractor, that we don't have any contractor documents, that we needed our money to pay our bills. All was to no avail. They kept denying our money. 
On XX/XX/XXXX an Inspector was sent to my house by XXXX XXXX XXXX and concluded the all the repairs were done 100 %. After the results from their own inspection, XXXX XXXX still refused to give us our money. I grew frustrated with XXXX XXXX XXXX  and told them that I will stop paying the mortgage, now they're threatening to foreclose on my home. 
XXXX XXXX XXXX  is committing a fraud by deceiving us, by making us believe that they are here to help, at least that is what they said when I contacted them and told them we were hit by the hurricane, and believe me, that is not true. 
After we survived hurricane Irma, and got tired from repairing and remodeling our home, after we got frustrated and upset about about dealing with a mortgage company that enjoy taking advantage of us, it is time to say enough. Enough of  doing business with an unethical mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX  and XX/XX/, I received an email from XXXX stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit XXXX, as this is a non-reply email. 

Thank you for your continued patience.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
Delete the account XXXX XXXX XXXX from my Credit Report. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 6802b I was never given the option to opt out which is illegal. Also it is my right to receive an explained nondisclosure option and this was never given.

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 2017-06-08
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I do not answer telephone calls from numbers I do not recognize. I received a telephone call from XXXX today. When I did not answer the call, my front desk receptionist called me a few minutes later telling me she had received a call from the same number, and said the caller identified himself as a XXXX XXXX with Merchants & Professional Bureau of XXXX. He told her he needed to speak with me about an outstanding debt.
He said he needed to speak with me to discuss this personal situation and the receptionist told him we are not allowed to receive personal calls at work.
This was VERY disturbing. I do n't know what the call was about or who this company was representing, but I never thought an individual identifying the company he represents as a debt collection business could call people at their place of employment. I do n't know what the call was about but I was VERY embarrassed. My boss then called me in to her office, wanting to know why I was getting personal calls at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
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: Received unsolicited financial product or insurance offers after opting out

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. 


Account Name : XXXX XXXX XXXX Account Number : XXXX 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 non-monetary relief
Consumer complaint received 2021-04-08
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account on Coinbase was hacked. Hacker sold my XXXX and trasferred all the funds via XXXX transfer to 11 different accounts. As soon as I discovered the unauthorized access, I called Coinbase. Their phone number only allows me to lock my account which I did. After 3 days they unlocked my account and I found that all the funds were gone. I opened a case with Coinbase. After about 3 weeks of investigation, I was given tips on how to secure my account and a statement that read " all transactions are irreversible but we will comply with all investigations ''. This hack happened because the company was unable to protect my information and was prone to attacks that allowed unauthorized activity. I already had 2 factor authentication however the hacker somehow as able to bypass that. Also, while coinbase requires XXXX for login, they do not require it or send any communication to the account holder when new accounts are attached to the account or go any sort of due diligence process to assure the legitimacy of the accounts added.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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 2018-04-15
Company: Nelnet, Inc.
State: MO
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:
My student loans went into repayment XX/XX/XXXX with XXXX   servicer Nelnet. Ever since I have received informational emails from them alerting me to the fact that my payment due date is approaching. These emails should be helpful, but they are not simply because they are frequently inaccurate both with regard to the due date as well as with regard to the payment amount. Often, the payment amount required is higher than what was quoted in the informational email. This makes it terribly difficult to correctly budget my still limited income. A few examples are as noted below. Note for CFPB. I have original copies of all communication available for your review should you want them. For simplicity, I am quoting the notes. Example 1 Email received XX/XX/XXXX, with email ID XXXX " This is a reminder that your student loan payment is due tomorrow, XX/XX/XXXX, in the amount of {$57.00} '' The actual due date was XX/XX/XXXXExample 2 Email received XX/XX/XXXX, with email ID XXXX " Your Payment Information Account : XXXX  Due Date : XX/XX/XXXX Amount Due : {$96.00} '' The actual payment amount due was {$290.00} Example 3 Email receivedXX/XX/XXXX, with email ID XXXX " Your Payment Information Account : XXXX Due Date : XX/XX/XXXX Amount Due : {$130.00} '' Upon logging into the Nelnet website, I see that the due date is actually XX/XX/XXXX and the amount due is not {$130.00}, but {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: PA
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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2019-11-28
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have filed FEDERAL TRADE COMMISSION ID THEFT AFFIDAVIT, REFERENCE NO XXXX regarding DEPT. OF EDUCATION ACCOUNT XXXX appearing wrongfully, solely on my EQUIFAX CREDIT REPORT.I HAVE NOTHING TO DO WITH THIS LOAN, OTHER THAN THE FACT IT IS APPEARING ON MY CREDIT REPORT.IT IS NOT MINE.I NEITHER APPLIED NOR RECEIVED ANY BENEFIT. 
At this time there have been a combination between 15 and 20 disputes to Equifax and complaints with the CFPB TO EQUIFAX..BOTH THE FURNISHER AND REPORTING BUREAU ARE NEGLIGENT AND DESERVE SEVERE PENALTIES TO BE OBTAINED BY THE CFPB..NEITHER THE FURNISHER NOR THE BUREAU ADHERES TO DODD-FRANK OR THE FCRA REGARDING THIS ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: U.S. BANCORP
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:
XXXX client, XXXX XXXX is a victim of identity theft. She received a notification from US Bankcorp office that an account was opened using her information without her consent. She received a letter stating the issue was resolved however a review of her XXXX credit still has the fraudulent inquiry listed which is a violation for FCRA. An official dispute of this inquiry was provided to US Bankcorp XX/XX/2018 however as of this date, no reply or update has been provided.

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