BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am XXXX XXXX, XXXX, there is no third party involved. On XX/XX/23 I sent out a dispute letter and have not received a response from Experian regarding my inaccurate accounts causing financial hindrance in my household. I haven't gotten a response yet.

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 2021-12-22
Company: Maximus Education, LLC dba Aidvantage
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I tried contacting their company multiple times over the last few days. I am placed on hold for over and hour and then the phone disconnects. I tried to place my loan in forbearance online and its not giving me the option for a general forbearance. I know that I have 18 months left for general forbearance so this doesnt make sense. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX )/ XXXX / {$1000.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX  )/ XXXX / {$110.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-08-22
Company: WorldRemit Corp.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/23 at XXXX with Transaction ID : XXXX I sent the total amount of {$1500.00} to My account in XXXX ( XXXXXXXX XXXX XXXXXXXX, Acct # XXXX ) exchange rate of {$1.00} to XXXXXXXX XXXX through WorldRemit Services. As of today, XX/XX/23, no money has been credited/deposited into my XXXX  account, even though their receipt says delivered. Multiple attempts to reach WorldRemit have been unsuccessful. This has incurred pain and suffering because the money was meant for emergency medical needs.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: TX
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:
I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains ( see list below ). I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. Accounts Reason This collection is not my account. XXXX XXXX XXXX XXXXXXXX XXXX. I never missed a payment on this account, please correct. XXXX XXXX XXXX XXXX XXXX. This collection is not on my account XXXX XXXX  XXXX  XXXX. Understand that failure to investigate these accounts within a period of XXXX days will result in non-verification which requires that the above accounts be immediately removed from my credit file. I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

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 2023-01-17
Company: Berlin-Wheeler, Inc. (Kansas)
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I AM A FEDERALLY PROTECTED CONSUMER AND I AM PROTECTED UNDER THE FDCPA, XXXX LEECH XXXX XXXX. XXXX XXXX ACCT XXXX XXXX what gives you the right to collect on this alleged debt? FEDERAL LAW states I have to give you direct consent which I never did. The first communication with you was with you furnishing this alleged damaging information on my consumer report this is FDCPA VIOLATION. WHERE IS THE PROOF OF BILL ASSIGNMENT? WHERE IS THE CHAIN OF TITLE? ARE YOU LICENSED AND BONDED TO COLLECT IN MY STATE? THE FEDERAL TRADE COMMISION ( FTC ) STATES I HAVE RIGHTS AND TAKES DEBT PARKING SERIOUS. YOU HAVE NO AUTHORITY TO FURNISH ON MY CONSUMER REPORT. YOU ARE VIOLATING MY PRIVACY UNDER THE XXXX XXXX XXXX YOU DO NOT HAVE ANY RIGHT TO MY NONPUBLIC PERSONAL INFORMATION. DELETE THIS ALLEDGED DEBT IMMEDIATELY FROM MY CONSUMER 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 2019-09-26
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This scam involves XXXX XXXX XXXX. On XX/XX/2019 he transferred me XXXX USD to my PayPal account for no reason. The transaction went through and I immediately returned the money in full through PayPal. One month later on XX/XX/2019 he cancelled the original XXXX USD he sent me in XXXX, leaving my account in the negative ( XXXX USD ) and he walked away with the money and closed his PayPal account. I have contacted PayPal and they claim there is nothing they can do. I have messages from XXXX that state this is something that he has done lots of times to many different people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient Solutions has been previously notified on several occasions that the only approved method of communication is via the recipient 's mailing address. As of Monday, XXXX XXXX 2017, the company continues to attempt communication through the utilization of phone calls. It is noted that Navient Solutions is not approved to contact the recipient via phone. A supplementary cease and desist letter will provide the recommended method of contact between both parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX Experian, XXXX XXXX XXXX, XXXX, XXXX Re : Demand to Comply Dear Sir/Madam, I am writing to dispute the inaccuracy of information on my credit report, as provided by your bureau. The discrepancies pertain to the following account : Creditor Name : XXXX XXXX Account Number : XXXX I have reviewed my credit report, and I have identified that the late payments associated with this account are inaccurate. 
I am requesting that these inaccuracies be removed immediately as the agencies are not complying with their policies promptly. 
By the FCRA, I am also requesting that you provide me with copies of any documentation or verification related to the disputed items. This includes details of how the information was collected, processed, and recorded. Please provide any information you have about this account. 
I kindly request that you send me a copy of my updated credit report once this dispute is resolved. 
Thank you for your prompt attention to this matter. I understand the importance of accurate credit reporting, and I look forward to your timely response. 
Sincerely, 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 2023-01-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and repair these right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I applied for and was approved for a Lane Bryant credit card on XX/XX/2021. 

I used the card and purchased XXXX worth of clothing. I never received a bill or credit card from them and called XX/XX/XXXX or close to that date asking where my statement and card was. They were supposed to remedy the situation and I have been waiting for the replacement card and a new statement. 

They did reverse the late fees and interest because I did not receive either. I told the clerk at the store my correct address including the po box number and street address. At my first call to the company I told them again my po box and street address. I have not received an updated statement or credit card from the first XXXX telephone call. 

Today I called and asked about the replacement card and statement and they said I would have to send in a current utility bill with my address and name on them. This was never told to me at any time when I applied for the card or when I called and asked for a replacement card. I am trying to pay the bill on my banking site, but I don't have an account number to put on the payment site. I am never late making payments on any account that I owe. This makes me look bad and I don't appreciate the run around I am getting since I did give them the correct information. The contact at Lane Bryant gave the post office and holiday excuses. I went to the Lane Bryant site after hanging up from the representative and was going to pay my bill. She told me they could get my number with the last XXXX digits of my Social Security number. Not right, it doesn't work that way. They want to know the card number and I don't know the card number because I don't have the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: ALLY FINANCIAL INC.
State: VA
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 XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2020-01-08
Company: Immediate Credit Recovery
State: VA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I started being garnished in XXXX of XXXX for a student loan. I was not advised of any collection activity for this account and didn't receive notice of garnishment until the day it was applied to my pay check ( via my  employer ). When reviewing the documents, I observed that the address of record was from a residence that I vacated more than a year prior. In XXXX of XXXX, I attempted to dispute the debt/garnishment via the company 's website and did not receive any type of response. I called the company on XX/XX/XXXX, and was advised by a representative that disputing the account was pointless and the only form of action that I could take to alleviate the garnishment was to file a hardship request, which would be reviewed and approved/denied by a judge after I provided receipts for all of my monthly expenses. It is my understanding that when a customer files a dispute, the debt collection agency is required to open the case and complete a thorough investigation. I was denied that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: CITIBANK, N.A.
State: WI
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:
Disputed charge for XXXX on XXXX. I told credit card company Citi that I did not receive service. Nobody waited on us. for 3 hours..The person on the phone said Oh did you cancel? I said no I never received service. We had to be at our destination by XXXX. I walked across the rental to XXXX who waited on us immediately. Citi did reverse charge and later on XXXX I saw they recharged it. I sent in my dispute in writing and now received on XX/XX/XXXX letter stating there is nothing they can do. I called Citi rental and they have no record of a reservation for a car from me. I talked toXXXX XXXX  off site XXXX. I talked to XXXX. She had no reservation or service provided me. I have an additional charge to prove I rented from XXXX instead. The person who answered phone obviously put down the wrong reason. They are trying to say I changed my story. Not the case. Received no service from XXXX XXXX made through Citi travel.! Please help me recover my XXXX. I have always paid bills and have not had this problem before. I also lost rewards points. Citi rewards promotes Citi travel .Citi card says they are no affiliated.

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 monetary relief
Consumer complaint received 2022-01-28
Company: The CBE Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had been in the process of moving from my Hawaii address in XXXX. Prior to leaving I had dropped off my service equipment to the store in XXXX. The equipment was just dropped off and no paperwork was given at time of drop off. 
I moved to XXXX XXXX XXXX. The equipment was dropped off at the later part of XXXX before the month was over. 
I had done so because I had already began to pack up my personals for shippping at the same time. My personals were also sent to my XXXX address at the end of XXXX my planing to move was all in the process at the same time. 
I never received any phone calls or bills in regards to the equipment. 
Further more an email address of XXXX was given in regards to this bill I received. Spoke to the rep and advised her that was not my email. Not sure where that email came from. 
Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: PA
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My personal information was changed by an unknown person on my XXXX personal profile

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 2023-06-23
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 information incorrect

Complaint:
Dear Experian, I hope this letter finds you well. I am writing to bring to your attention an error on my credit report and kindly request your assistance in rectifying the matter. 

Upon reviewing my credit report, I noticed that there is an account listed with inaccurate information. The account in question is an installment loan with XXXX XXXX, ending in [ Last Four Digits of Account Number : XXXX XXXX ]. According to the information provided, the bank claims that I paid {$2100.00} in interest during the year XXXX However, I would like to emphasize that I have no recollection of incurring such an expense nor having any association with this loan. 

Given the discrepancies mentioned above, I kindly request that you investigate the matter and take the necessary steps to remove this erroneous account from my credit report. I have enclosed copies of my credit report highlighting the incorrect information for your reference. Additionally, I have included any supporting documentation that may assist you in verifying the accuracy of my claim. 

I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies, such as Experian, investigate any disputed items on a consumer 's credit report within 30 days of receipt of a dispute letter. Therefore, I kindly ask you to initiate an investigation into this matter promptly. 

It is essential for my financial well-being and creditworthiness that inaccurate information is promptly rectified. I trust in Experian 's commitment to ensuring the accuracy of credit reports and upholding the rights of consumers. I appreciate your attention to this matter and your assistance in resolving this issue as soon as possible. 

Please inform me in writing of the outcome of your investigation and any actions taken to address this matter. Additionally, I kindly request that you provide me with an updated credit report reflecting the removal of the disputed account. 

Thank you for your prompt attention to this request. I am confident that Experian will handle this matter with the utmost professionalism and diligence. If you require any further information or documentation from me, please do not hesitate to contact me at the provided contact details. 

Sincerely, 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