BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: GA
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 written all three Credit Bureaus EXPERIAN, XXXX and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly

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 2019-03-09
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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX   XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}

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 2019-03-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX/XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently sent letter over 60 days ago to these Bureaus and they are disregarding a regular consumer disputes. Im stressed and have been sending letters before this and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: AES/PHEAA
State: GA
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:
In XXXX of XXXX I requested a due date change from my loan servicer XXXX XXXX XXXX. In the course of processing the due date change they also recalculated my income driven repayment plan. Not only should they not have recalculated my income driven repayment plan, but they also recalculated it incorrectly, so my monthly payment nearly doubled and my wife 's payment nearly tripled. I have spoken two different XXXX XXXX supervisors who have admitted that this mistake was made by them, but nothing has been done to correct this mistake. My wife had to request a forbearance, because we could not afford our loan payment that was under {$500.00} a month combined, but jumped to over {$1200.00} combined after the XXXX XXXX mistake. Both my wife and I are public school educators and we are seeking public service loan forgiveness. But since we can not make payments because they XXXX XXXX error has made payments unaffordable, my wife has now missed out on 6 months of loan forgiveness and I have missed out on two months of loan forgiveness. I contacted XXXX XXXX in XXXX of XXXX and I was told to submit re-certification paperwork, and I did this only to find out that I needed a recalculation, not a re-certification. I spoke to a XXXX ( Id # XXXX ) on XX/XX/XXXX and she informed me that a recalculation would be complete by XX/XX/XXXX. On XX/XX/XXXX I spoke to XXXX ( # XXXX ), XXXX ( # XXXX ) and XXXX ( # XXXX ), and I was assured that my issue would be " expedited '' and everything would be corrected. This still has not been done as of today, XX/XX/XXXX. I am not being permitted to participate in the Income Driven Payment plan that I am eligible for because XXXX XXXX refuses to correct the mistake that they made in XXXX of XXXX. It has been six months and I can not get XXXX XXXX to do anything, and I need outside help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: MO
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:
Experian Credit reporting company is who my complaint is in regards to. I called this company over 4 times and talked to 3 different agents the first agent transferred me without me knowing to fraud department. The agent XXXX kept cutting in and out. I asked her to call me back at my number she kept having me repeatedly tell her information I gave her already. I asked to be transferred and was sent to someones voicemail. Then I called back and I informed the next agent I was frustrated after spending so much time on the phone over 40 minutes trying to file a dispute he tells me to calm down and tells me he was going to end the call. I never used bad words or said anything other than what any other person would if they were upset I told him the customer service sucks and his attitude as well. Needless to say he hung up I told him I would contact the federal trade commission to file complaint because at the end of the day they are being paid to take disputes over the phone not hang up on people that have poor experiences with there company. They didnt try to fix the problem. I gave them my ssn numerous times and verified my address. I feel like they are not doing there job in addressing the main issue. All I wanted is to file the dispute inaccuracies 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 explanation
Consumer complaint received 2022-04-30
Company: EQUIFAX, INC.
State: NY
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. I filed a report with the FTC. The following accounts that are on my Credit Report do not belong to me. Please reference the attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My American Express account was sent to collections after an address mix up. So this company sent notices to the address that I did not live at. I finally got the notices that were sent to the wrong address and sent them a letter informing them of my actual address and asking for verification of the debt. The verification never came to my actual address but instead to the address that I never actually lived at. Then about a month later I revived a notice from yet another collection agency that American Express employeed because I had not responded to the request from the previous agency all because they had the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I used the XXXX application to deposit a check for XXXX into my personal checking account. When I did not receive confirmation that the check was deposited I redeposited the check. However, after researching further, I identified that I had incorrectly deposited the check the first time into my business account rather than my personal account. I realized this shortly after the deposit ( Friday afternoon ). I contacted both the originating bank ( my XXXX XXXX Checking account ) and Chase via electronic messaging. Both checks were funded by Chase on Friday afternoon. I don't know how this could have happened since the check was made out to XXXX XXXX, which I signed as XXXX XXXX, and it cleared and was funded toXXXX XXXX XXXX XXXX  ( my business account ). On Friday, the check had also been funded to my personal Chase account. I knew then that there was going to be a major problem because the originating bank didn't have XXXX to cover two XXXX checks. That's why I alerted all parties involved. Also, I did not expect that XXXX XXXX was fund the exact same check two times. The first check cleared and the second attempted withdrawal was returned as insufficient funds. On Monday, I contacted XXXX XXXX and they advised that only one check had cleared and only one had been presented for payment and that I would need to contact Chase to resolve the issue. I did so and was advised by Chase that they could cancel the check that was deposited to my business account. They cancelled the transaction. Low and behold, Tuesday morning, my personal account reflects a negative balance ( the XXXX funded had been reversed due to insufficient funds ). I spoke with both XXXX XXXX and Chase yesterday for no less than 2 hours and 5 separate Chase representatives to resolve the issue. As of the writing of this complaint, I still have not received the XXXX. My personal account is negative, the money is out of my XXXX XXXX account, and the money is no longer in my Chase business account. Each party is pointing fingers at the other while I sit here incurring bank fees, negative balances, and no access to my XXXX. I might add, I am in the process of buying a house ( which is why I transferred the XXXX from one account to the other ) and none of this is going to help with my credit. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07
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: Personal information incorrect

Complaint:
Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to clearly and accurately disclose all information in my file at the time of this request. Please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. By law, unverifiable accounts must be removed. The accounts listed below are not mine. They each are associated with inaccurate personal information. Please remove them from my credit profile and credit report immediately. 
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 2020-12-02
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: Public record information inaccurate

Complaint:
I have been fighting this bankruptcy for a few months because of the inaccuracies inside of the bankruptcy. I logged ontoXX/XX/XXXX to verify that all of the information was correct ; ie. case numbers, closing dates, etc and I noticed that the case number listed on all 3 credit bureaus are incorrect. The case number listed in XX/XX/XXXX is XXXX ; however what is being on all 3 credit bureaus and probably XXXX XXXX and XXXX is incorrect information. The information being reported on XX/XX/XXXXis XXXX, on Equifax is XXXX, and on XX/XX/XXXX XXXX. 

On XX/XX/XX/XX/XXXX I disputed the inaccurate reporting to XXXX as all 3 bureaus stated they validated this reporting through third party, XXXX XXXX. On XX/XX/XX/XX/XXXX after a re-investigation of the data in question, XXXX XXXX removed the bankruptcy from my XXXX XXXX report. I have forwarded a copy of this report to all 3 bureaus and they are still coming back stating item in dispute not changed as a result of our processing of your dispute. The company that reported the information has certified that the information is accurate How? When XXXX XXXX clearly stated in writing they removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08
Company: ALLY FINANCIAL INC.
State: FL
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 did not authorize the following entities to check my credit, again! XXXX XXXX XXXX, XXXX XXXX XXXX, ALLY FINANCIAL and XXXX   XXXX. XXXX says their clients have to remove, their clients say XXXX has to remove. Be here done this, not up for the fight!

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 2023-01-30
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: Information belongs to someone else

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. 
XXXX XXXX XXXX : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-30
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
In the beginning of XXXX, XX/XX/2022 I requested a check to be mailed to my address. I was told my {$1500.00} check will arrive within 5 business days. When the check did not arrive in that timeframe, I contacted Robinhood/XXXX XXXX XXXX I was told there is no way for them to track checks. After reaching out several times to request a cancellation, in case the check was stolen, the check was never canceled. The only response I got was a circulation that my check has been mailed and if I want it canceled, let them know. Yes cancel, yes cancel, yes cancel. Fast forward to the end of the month, my check has not arrived, my check has not been canceled and the money from the check has not been put back into my account. Next issue. On XX/XX/2022 I tried to make a purchase and that purchase was declined. I immediately called Robinhood and asked them what happened. They said that my card became restricted with that specific transaction because they wanted to make sure it was me. I confirmed that it was me indeed and can they please remove the restriction from my card? The lady told me in order to remove a restriction, I have to email them a picture of the front and back of my social security card, in addition to, the front and back of a government ID. This would take a couple of days. I told the lady I dont have a couple of days, I need to be able to use my card. She then said she will get it expedited and it will take 48 hours for the restriction lift to be removed. I thought this process was odd considering there was no foul play but I had no choice. The lady stayed in constant contact, immediately responding to my emails after our phone conversation and stated she was there as help in my case and working on getting things processed quickly. Again, this card is my only survival line. Suddenly, after 48 hours, my bank account switched from restricted to frozen. I immediately emailed the lady asking what is going on, and explained the important role the card had to my well-being and the confusion I had as to why there is an issue to begin with. I never heard back from her. Robinhood then started blocking literally everything, my works paycheck from entering as deposit ( I live in CA ), refunds, and more. I signed in on the Robinhood app and I was blocked from requesting calls ( requesting a call in app is the only way you can get a person on the phone ). I was only allowed to send emails via the app. I sent numerous emails and Robinhood has completely shut me out, no one will respond to my emails or talk to me. I now am on the streets with no money for food, gas, water, or shelter and thousands of dollars frozen without given any reason as to why I have a frozen bank account. I want to make note- although Robinhood is known as a stock broker company, this issue is with their debit card/checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I contacted Equifax in an attempt to resolve an ongoing dispute. Equifax has continuously reported erroneous information that Equifax was aware was incorrect and failed to takes measures to correct. 

Equifax has not updated my credit file in over 9 years. On XX/XX/XXXX I contacted Equifax to inquire as to why my credit report has not been updated in several years and is currently providing potential creditors with knowingly erroneous information. I was speaking to an individual named XXXX who refused to give me her last name or initial or contact information or extension or any other viable information that would provide insight into who she was. XXXX refused to identify herself further than her first name because she stated that Equifax rules and regulations do not allow her to identify herself ( assuming for issues like this ). I immediately asked for a supervisor and was told that I would not be able to speak to one because she would not transfer the call to one. She informed me that they could not help me because they have the same information she does. After asking for a supervisor over 20 times the representative refused to transfer the call. She attempted to deflect responsibility on the part of Equifax. She stated that it is not their fault they are not reporting the information ; it was the fault of XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, and every other creditor I had, however, it was not Equifax fault. They attempted to inform me that each and every one of those companies are not complying with sending in information. I have contacted each of those companies and have verified that they have reported correct information to the credit bureaus. Equifax continues to publish information it knows is incorrect causing irreparable harm and damages. After calling back Equifax after having " XXXX '' hang up while having me on hold, I asked for a supervisor or manager. I was put through a voice prompt system that had me pushing buttons for 10 minutes before I got a person on the phone who informed me that they couldn't help me because my file hasn't been updated in years and they have no information. Why is this company allowed to exist and continue to provide its services when sadly ever since the XXXX breach, they have not shown any remorse for their negligence, they don't care about serving their customers, and they are providing knowingly false information causing harm to the public. Now after informing Equifax that I was filing a report with the Consumer Financial Protection Bureau, I was told " Good Luck with that '' and then magically, they needed two pieces of identification faxed to them in order to assist me with this matter. This was retaliatory action for my reporting their incompetent actions to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation