BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: IN
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : 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 explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: MI
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:
Sent out documents showing that these credit bureaus & creditors have been wrongly reporting inaccurate information on my report. Its against the law and its slowing me down from bettering myself in life. Under section 609 of the fcra I really feel like these items are in fault and need to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: LA
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
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:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have tried many of times to work with Navient to lower my payments but to no avail. I was laid off from work in XX/XX/XXXX and did n't know what to do so they told me to go with forbearance, not knowing anything about it, I thought it sounded like the best idea. I was also told I ca n't set up any other payment plan becaus e I am out of options and I am about to be laid off again as of XX/XX/XXXX and ca n't afford XXXX a month payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Account status incorrect

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 2023-02-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
In have a massive issue with Experian. They took no extra precautions when they allowed someone not only to access my account, but change ALL of the information regarding my account, EVEN the security questions. I believe on XX/XX/2023, I called and spoke to a person instead of an automated system, after a few weeks of trying. I talked to a male representative, who said he would escalate my case, send an inquiry about resetting my security questions, he had me make a pin, and everything .... just for me to try to see if I could retrieve my login information, and have it get sent to the Scammers email a week later. I went through a lot to try to get on the phone with someone just for them to waste my time and leave me vulnerable to getting scammed AGAIN. Experian makes it clear that they don't care about their customers, let alone their information. No wonder there was a lawsuit against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2021-12-05
Company: WLCC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied to a 1k loan back in XXXX the interest rate was high total pay back would be 7k total. I lost my job XXXX weeks after the loan, months later they want a whopping 8900 dollars with no end in sight accruing interest This company practices in predatory loan and needs to be shut down. It is illegal and needs a class action law suit against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: DISCOVER BANK
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:
a charge for {$79.00} from XXXX on XX/XX/XXXX. i called discover card customer service on XXXX to dispute the charge. they agreed to do so on XXXX but did not. on XX/XX/XXXX they agreed to reverse charges and did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I took out a private student loan with Sallie Mae In XXXX of XXXX for {$6400.00}, and another loan for {$1500.00}. In XXXX I was struggling to make payments, I fell behind. The loan for {$6400.00}, went up by {$9200.00} due to forbearance and capitalize interest charged. The amount of payments that I missed on my second loan was {$1200.00}. Both loan was charged off to XXXX XXXX. When the loan was charged off to XXXX XXXX, the representative at XXXX offered me to apply for a Income driven plan. I was on a payment plan for both loans, I paid off the {$1500.00} dollar loan on the payment plan and I was making the payments for the {$6400.00} loan. I later found out that the Income driven plan only applied to Federal Loans. While, I was making the payments with XXXX XXXX, Sallie Mae record missed payment each month and also charged the account for late fees. The account was sent to XXXX XXXX XXXX XXXX XXXX, for the past 3 years I am making a monthly payment that is deducted from my account the last day of each month. Navient who is now the owner of the loan listed my account as missed payments, past due, add missed payments fee and interest charged. Even though I am in agreement with XXXX for a monthly payment that is deducted from my account. In XXXX of XXXX Navient recorded a charged off amount of {$5300.00} which is the amount of the missed payments that was charged every month on their end. When I called XXXX about this issued they told me to call Navient. Navient response is for me to write a letter to their credit escalation team, I did, I never received a reply. My account need to be adjust, I was paying the monthly payments each month thru XXXX and Navient recorded that I was not making any payments. I would love for this issue to be resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including 2 bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX XXXXXXXX {$2100.00}

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 2019-04-05
Company: EQUIFAX, INC.
State: MD
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 filed online complaints with Equifax two times. They sent one confirmation to an old address-thankfully the resident there knows me and gave me the mailing. The next complaint they sent to my email and then when I try to see the results - it says they can not verify me. Maybe because they have an old address and the wrong DOB. I note that both XXXX and XXXX have my correct DOB- XX/XX/XXXX. 

I then called XXXX at XXXX the XXXX and the operator, XXXX, said after drilling me 'that he couldn't verify me? ' I received per my two written complaints confirmation # XXXX and XXXX. To which XXXX said he had no record? I then asked to speak to a supervisor and spent 30 mins on hold before hanging up. 

Please help me, XXXX XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: AUDIT SYSTEMS,INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I continue to get calls from a company called ASI that claims I had a debt with a company called XXXX. The phone number I have for them is XXXX. I do not recall ever doing business with a company called XXXX. Additionally, I do not, to the best of my knowledge, have any past due debt with any company.

Before proceeding with the several of the calls, I indicated that I will not provide them information on myself, nor will I discuss any debt, until they send me written confirmation of the debt so I can validate this is authentic. I have instructed them to send the documentation to the address they have on file for the debt, since I will not provide them any information on myself since I believe this is fraudulent.

The company refuses to send me any documentation and continues to call me 1 - 3 times per day. This has been ongoing for approximately 4 months.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: EQUIFAX, INC.
State: AL
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 petitioned Equifax to remove a bankruptcy from my credit report. The most recent request, I received a response dated XX/XX/2018, confirmation # XXXX. Included are the results are of Equifax 's " reinvestigation '' of my request to remove the bankruptcy from my credit file. The letter advises that the results were verified via XXXX XXXX, a third party vendor. Again this letter from Equifax is dated XX/XX/2018. 

XX/XX/2018, I received confirmation from XXXX XXXX ' consumer center, case number : XXXX, a letter confirming results differing from what Equifax claimed to have confirmed. The XXXX XXXX resolution to my dispute : After a reinvestigation of the data in question, XXXX XXXX was UNABLE to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently REMOVED this required from your XXXX XXXX XXXX  report. 

XXXX XXXX removed the unverifiable bankruptcy. Therefore, Equifax clearly lied about the source of their information. Consequently, the unverifiable bankruptcy remains on my credit file and continues to cost me higher interest rates and lower credit line extensions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: Experian Information Solutions Inc.
State: MI
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 disputing a bankruptcy with listed on my account XX/XX/XXXX with XXXX, XXXX, Expeiran, and XXXX. I have also disputed an address listed on XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX last date reported XX/XX/XXXX. I've sent in current copies of my driver licences and a Letter from the US Bankruptcy Court stating they don't verify those files. The companies keep coming back they verified the information and my files are frozen and be frozen since 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 2019-03-10
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On or about XX/XX/2019, I transferred {$420.00} to my mom using Cash App ( an online financial transfer product of Square, Inc. ). After a few days, my mom had not received the transferred funds in her account. 
On or about XX/XX/2019, I tried to contact Cash App ( a service with few available customer support interface options except online ). With limited options ( and few responses ), I filed a dispute with my bank ( XXXX XXXX ). After filing the dispute, we ( my mom and I ) realized the issue ( with the transfer ) was somehow on my mom 's end. 
On or about XX/XX/2019, I cancelled the dispute with my bank. 
On or about XX/XX/2019, my mom was notified that as a result of my initial dispute ( which had been cancelled ), the funds ( {$420.00} ) were being withdrawn by Cash App from mom 's ( checking ) account and would be refunded to me ( the withdrawal from my mom 's account occurred on that date ). As of today 's date ( XX/XX/2019 ), I have not received the refund. 
I have contacted Cash App multiple times ( including sending emails to to Square, Inc. 's CEO and the executive in charge of the Cash App product ). 
According to the information provided by Square/Cash App, a refund was ( allegedly ) initiated by Cash App on XX/XX/2019 ( which doesn't actually match up with the timeline of events as I don't imagine Cash App would have initiated a refund to me prior to having received the returned funds ). 
However, my bank ( XXXX XXXX ) does not have a record of receiving the funds ( from Square/Cash App ) and is unable to locate any information corresponding to the ACH trace number provided. 
I have sent multiple emails, to no avail and I have been forced to file another dispute with my bank. I engage in numerous ( personal ) financial transactions on a monthly basis, including cross-border currency exchanges/conversions, transferring funds between different financial institutions, etc. ( as well as generally returning merchandise I have purchased using credit cards ). I don't recall having this many problems and/or spending this much time on what is a relatively insignificant amount of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-03
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: Account status incorrect

Complaint:
On XX/XX/2018, I made a {$610.00} full settlement payment with XXXX XXXX XXXX XXXX to submit payment to XXXX XXXX who purchased a charge off account from XXXX XXXX - XXXX MasterCard. 

I was told that it would take approximately 30 days to reflect the payment of this charge off as paid on my account. I have made numerous attempts with Experian and the XXXX XXXX Mastercard to reflect the status of this account as " PAID ''. As of XX/XX/18 they refuse to correct the status to paid.

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 2023-03-21
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 a derogatory account showed up on my credit report from Clark County Collection LLC at XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I checked into it and this was no accounts that I had received myself. I contacted the Collection company and was told that it was a payday loan that my wife who I am separated from had received. I had not been notified or served with anything that was saying I owed a debt it just popped up on my credit report. I was not connected to this contract in anyway. They do not have my signature or any documents for me or could not provide a submitted document with an upload of my Nevada Drivers License on it. This means that this company received my SSN # illegally added me to her debt. Spoke with my attorney do to the fair reporting act they are not aloud to post another persons debt on my credit report under the fair reporting act. Also, filed a complaint and spoke with the attorney general who is also concerned how this company obtained my SSN # and other personal information. I have never done any business with dollar loan center or Clark county collection LLC and do not wish to do any business with them. I have never had any accounts with either one of these company 's and do not wish contact from them or there subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
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: Account information incorrect

Complaint:
My credit report dated XX/XX/2023 from the three major credit bureaus shows that XXXX consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: Experian Information Solutions 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:
XXXX will an online dispute from me. wrote them with no reply

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