BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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:
Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX  Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX  14 times showing that my credit is perfect and 14 times USAA states to XXXX  that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX  today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired XXXX XXXXXXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact XXXX  and clear this matter at one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: NV
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:
Over the last three months I have submitted legal documents from XXXX CREDIT CARD SERVICES TO Experian Credit reporting agency to remove negative credit from my credit report. I have filed with Experian 14 times showing that my credit is perfect and 14 times XXXX states to Experian that I have negative credit with XXXX. I have a legal document from XXXX stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with XXXX attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why XXXX is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with XXXX. I was on the Phone with Experian today and they have the legal documents from XXXX but when they contact XXXX to confirm the document XXXX denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a XXXX XXXX XXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against XXXX if they don't contact Experian and clear this matter at one.

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 2022-01-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an account with XXXX. Several years ago the card information was stolen and used for fraud. Account number XXXX I filled out the forms for fraud with XXXX and they agreed to remove the balance from my file and change the status to current. They have not done this. I have disputed this information with all three bureaus and it remains.

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 2018-02-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried in the past to apply for an XXXX credit card which is sponsored by Chase, every time I applied Chase Bank always deny application, I have 2 different mortgages with Chase ( no issues ), 2 XXXX XXXX cards ( no issues ), utility bills and payments are on time. I don't understand why every application has been denied in the past 2 years, is either discrimination or something else that Chase bank doesn't want to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: AES/PHEAA
State: MA
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:
On XX/XX/2018 I requested that my repayment plan be changed from an income-based repayment plan to an extended-graduated repayment plan. Despite following all of their instructions for transitioning the repayment plan, it took XXXX three months -- until XX/XX/2018 -- to process the change in payment plan. In the interim, on XX/XX/2018, XXXX charged by account a payment in the amount of a standard repayment plan ( about {$2300.00} ). The change in plan should have been processed by that time, however, and the payment amount should have been the roughly {$600.00} due under the extended-graduated plan.

Over the span of 5 calls and several hours with customer service, I attempted to work out a solution wherein XXXX   would refund my account the difference in payment amounts. During this time I received a multitude of different explanations for why it took so long to process the change in repayment plan, and how it would ( or would not ) be possible to receive a partial or full refund without going into default. XXXX eventually refunded the entirety of the {$2300.00} payment and then marked my account as past due. This was not the result I wanted, and to this date I do not understand why XXXX couldn't have just issued a partial refund consistent with the extended graduated payment plan. They dropped the ball by not switching my plan over in time and by charging me more in the interim. A partial refund would have been an easy remedy for their error, but they repeatedly resisted that remedy. 

Fed up with the whole process, I utilized XXXX XXXX online message center to try to get some information in writing about what was going on with my account. I received no response.

Finally, I decided that it wasn't worth the hassle to continue trying to navigate XXXX XXXX policies, and just paid the full {$2300.00} showing as past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: CA
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:
Emailed them regarding the information and information still showing on my report that affects my credit score.

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 2018-04-10
Company: EQUIFAX, INC.
State: OH
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:
XXXX had my address recorded incorrectly. They had it recorded in XXXX XXXX and that address was not associated with me after XX/XX/2017.

I never got my statements. I didnt know I owed XXXX   money.

Also, I hAve attached documentation that I was attending school in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Bread Financial Holdings, Inc.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My parents house has been called constantly from XXXX XXXX for collection of my credit card bills. I am not registered at their home address, nor do I live there and I do not share a phone # with them. My mom does not speak english as a first language but has told them, I do not live there and stop calling. She is STILL receiving repeated calls from XXXX XXXX to collect my debt. I need this to stop now. I have more than one account. I hope they can apply to all my credit cards through this bank. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!

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 2021-05-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: EQUIFAX, INC.
State: MS
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:
MY INFORMATION WAS STOLEN AND ACCOUNTS OPENED IN MY NAME I HAVE ASK THESE COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO REMOVE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Experian Information Solutions Inc.
State: NC
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:
Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Account status incorrect

Complaint:
I have a loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Navient Solutions, LLC.
State: MI
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 become delinquent on my private student loans due to an illness which prevents me from working. I tried to contact navient to ask for medical forebearence, but they say that my loans do not offer any recourse if i become ill or XXXX. not they are calling me 10 times a day and harassing my relatives as well. 

Navient makes me want to kill myself, i swear to XXXX i will if they do n't stop CALLING!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: 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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 2021-04-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am writing to log a formal complaint against XXXXXX/XX/XXXX regarding online access to my Checking and Savings accounts. During the week of XX/XX/XXXX XXXX I do not remember the exact date ), I made several mobile check deposits to my savings account from legitimate institutions where I had closed my accounts recently. Upon making those mobile check deposits, I have been locked out of my Checking and Savings account access online. I have called HSBC numerous times to get this matter resolved and no longer wish to waste any more time dealing with them on a matter that has still not been resolved after a week of complaints. Because I have no visibility to what has and has not cleared on my accounts, I am not certain, but I am trying to retrieve approximately {$1400.00} that I have in both accounts. All I want is assistance in retrieving all of the funds owed to me and closing my accounts with this bank for extremely poor customer service and illegitimate holds on my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Investigation took more than 30 days

Complaint:
XXXX XXXX has been inaccurate late payment reporting to the credit bureaus Experian, XXXX, XXXX XXXXThe account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.

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 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 called and tried to get the unauthorized inquiries removed and they would not.

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 2019-02-07
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:
This information is incorrect i have never been late. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX/XXXX XXXX ACCOUNT # XXXX. 
30 DAYS LATE XX/XX/XXXX XXXX XXXX XXXX USA ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX received a final payment from me after cancelling service. This is reflected in received statement. XXXX claimed they returned payment to issue new final balance. I never received alleged return payment and called to resolve. A man name XXXX allegedly resolved issue and emailed me stating such. This resolve did not include return of over payment. I received another request for payment and called to resolve. Now XXXX claims they never received payment and told me to resolve with bank. I told them I payed and had proof. They wanted me speak to a different rep but they would n't make an appointment. This is now the 7th collection agency.

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 2021-09-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a loan and was immediately denied. When I received the letter detailing the reason my application was declined, it stated that I owed too much on my current revolving accounts and generally owed too much debt. 

However, I currently owe less than 10 % of my available balance and my XXXX is less than 20 % prior to accounting for weekly bonuses and overtime. My XXXX is less than 10 % once all income sources are considered. 

I currently subscribe to the credit tracking service offered by the bureau they cited, so I was able to see that the information reflecting on my credit report was accurate. When I reached out to the company to advise them of this I received a generic prompt to reach out to the credit bureau, which I have already done. 

I have yet to receive a reply to my specific inquiry.

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 2021-09-07
Company: Experian Information Solutions Inc.
State: LA
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:
U S Dept of ED - Acct # XXXX U S Dept of ED - Acct # XXXX Both U S Dept of Ed are reporting the following : Open Date XX/XX/XXXX | Report Date XX/XX/XXXX | Reporting Student Loans in Collection. 
Accounts are paid, XXXX balance, and XXXX past due. Accounts are not in Collection Status.

Originator Creditor FEDLOAN Acct # XXXX - Limit/HC {$2600.00} Account Transferred - Open Date XX/XX/XXXX. Loans Closed XX/XX/XXXX. XXXX Balance, XXXX  Past due. Report Date 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 2022-08-05
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022, the credit reporting agency, Experian, furnished information in regards to an account with XXXX XXXX XXXX without my written consent in violation of Title 15 U.S.C. 1681b ( A ) ( 2 ) any consumer reporting agency may furnish a consumer report in accordance with written instruction from the consumer which who it relates. Experian assumed the vital role in assembling and evaluating consumer credit according to Congress 's findings pursuant to 15 U.S.C. 1681 ( A ) ( 3 ). Experian did not exercise their grave responsibilities with fairness, impartiality, and respect for my privacy in violation of Title 15 section 1681 ( A ) ( 4 ). I am demanding that they remove this unapproved report off of my consumer report immediately.

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