BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has called repeatedly on a daily basis for years. Ive asked them to stop. The calls continue- everyday no mater the time. This supposed debt was over 15 years ago. The harassment is constant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, I have been working on this issue for 18 months, so I'm happy to see that I am able to report Experian to the CFPB here. Long story short, my current mortgage is not reflected on my credit report and I need it to be ( it should increase my credit score ). This was a problem a year ago and I tried so many times to have it fixed that I just quit. Now I am trying again. About 6 months ago I started some credit disputes through Experian. I am disputing the fact that my mortgage is not reflected on my credit report. 

Their disputes department has directed me every time to have my mortgage lender upload the documents showing the details of my mortgage. My mortgage lender XXXX XXXX XXXX XXXX ) has done this 4 or 5 times now in the last 6 months. Each time, XXXX XXXX is sending me screenshots of the cases in the XXXX system showing me they are sending my mortgage documents to Experian. They also give me a case reference number every time that I can give to Experian. However, Experian still never updates my credit report to show my existing mortgage. Every single time I call about this, they literally tell me they can't tell me if they have received the info from my mortgage company or not, and they have me direct my mortgage company to call their Experian rep. I tell them we have done this many times already, and they tell me this is all that I can do. 

My mortgage company has tried contacting their Experian rep several times over the past few months. The rep never calls back, and they never confirm that they are receiving my mortgage information. At this point it seems like it is literally impossible to get Experian to give me an answer about how to get this fixed, and also impossible for my lender to even contact them .I don't know what else to do. 

Thank you for hearing me out, 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 2023-06-03
Company: EQUIFAX, INC.
State: LA
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 disputed inaccurate and fraudulent accounts on my credit report and no reasonable investigation or action was taken to remove those accounts Accounts To Remove : XXXX. XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX Late Payments to Update : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dat of Birt : XX/XX/XXXX SS # : XXXX XXXX Name : 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 Experian 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 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

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 2023-11-10
Company: Experian Information Solutions Inc.
State: VA
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 filing this complaint for falsely reporting misleading information. There is no 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 2022-10-20
Company: EQUIFAX, INC.
State: SC
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:
The uncertain accounts listed below continue to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the credit bureau on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance Owed : {$610.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$19000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: EQUIFAX, INC.
State: CO
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 name is XXXX XXXX and i am filing this complaint against XXXX XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA experian is required to verify all information received from creditor before that information is added to a consumer file. but XXXX failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but experian refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. XXXX is using deceitful manner to run their business Equifax and XXXX did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told XXXX that representatives that equifax and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 I had accidentally made a double payment to my Bank of America Visa card in the amount of XXXX totalling XXXX. When I called BofA to ask for the second payment to be reversed and have the XXXX returned to the checking account it came from ( it came from an external checking account ) they processed my claim. At the end of the call the agent said it would take 90 days for the claim to be resolved. I was shocked that something so simple would take so long. After the 90 days I recieved a letter from BofA stating that they debited my BofA credit card and unfotunately could only return XXXX. They claimed it was because it would have made my account past due or over the credit limit. I was not past due and my credit limit is XXXX. At the time of the claim, I owed less than {$1000.00} on the card in question. Neither statements were true. 

To add insult to injury, I had not received the funds I used to make the payment put back to my checking account. When I called to inquire, an agent say it would take 2-5 business days. On the fifth business day, I still had not recevied the funds. I called back and the next agent said it would take 30 business days. When I asked why it would take an additional 30 days, she couldn't really explain why and couldn't expedite.

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 2018-04-18
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
1. The forced answers to the questions on the form did not cover my problem, so I had to answer incorrectly. 

2. The problem is with the Annual Free Credit Report, from Experian. 

I just ( XX/XX/2018 ) got my Annual Report from Experian. 

A. The report on the screen was very dim, and very difficult to read for an old person like me. In other words, it did not conform to the contrast requirements of the W3C Web Content Accessibility Guidelines. 

B. I tried to print the report. In addition to a very large number of pages, the printing was also very dim and hard to read. 

C. Even when I printed it in Landscape format, some of the information on the right side of the page was cut off. That is, I could not get a printed copy of ALL of the information on my report. 

D. The large amount of unnecessary whitespace on the report seems to be deliberately designed to discourage printing. 

Also, in the Experian " validation '' process, there is a requirement to answer questions in a VERY short period of time. Three questions in one minute. One was about the first 4 characters of my drivers license number, and my billfold with my license was in another room, taking quite some time to get. Another question was my mortgage payment amount - and most people do not have that exactly memorized, so have to go look it up. I believe this short time limit is designed to discourage people.

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 2023-11-10
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'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 and I am filing this complaint for falsely reporting misleading information. There is no 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 2020-02-10
Company: Navient Solutions, LLC.
State: MI
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:
Navient Credit Bureau Management XXXX XXXX XXXX XXXX PA XXXX To Whom It May Concern : This letter is written to request the removal of your companys report of late payment of student loans to the credit reporting companies. 

Background : In the year XXXX Navient reported 24 late payments : 8 in XX/XX/XXXX, 60 days ; 8 in XX/XX/XXXX, 60 days and 8 in XX/XX/XXXX, 90 days. My single monthly payment was separated into the eight individual loan payments resulting in 8 late reports/per single monthly payment on my credit history. In the year XXXX Navient reported another 24 late payments : 8 in XX/XX/XXXX for 60 days, 8 in XX/XX/XXXX for 60 days and 8 in XXXX of XXXX for 90 days. 

I requested forbearance due to loss of employment on XX/XX/XXXX from the servicers of my federal ( XXXX XXXX ) and private student loans ( Navient ). The servicer of my federal loans processed the forbearance immediately, no fees attached however when I contacted Navient, I was told that I needed to pay a forbearance application fee up front for the application to be initiated. 

I disputed the application fee requirement and during this time, I fell behind in my payments. Eventually, I was able to negotiate a reduced payment agreement. Throughout this turbulent time, Navient generated numerous late payment reports to the credit bureaus. As a borrower, it is my belief that I made multiple good faith attempts to honor my payment obligations with my loan servicer, Navient. I also tried to use my forbearance/deferment benefit in a time of severe financial hardship and Navient made it difficult for me to use this benefit. The late payment reports generated by Navient have adversely affected my credit score and I have endured increased financial hardship over the last four years. 

I am requesting that these late payment reports be removed from my credit history. 

I am enclosing my XXXX  and XXXX credit bureaus reports for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed a late fee and interest charge for XXXX 2021 on my Citi Double Cash account. I always pay my credit cards, so I did not understand what happened. I went back through my email, and I noticed what the issue was. When I click the link to pay in my statement email, it tells me I have no payment necessary. 

Steps to reproduce : 1. Open Citi Double XXXX XXXX email - subject : " Your statement is available online - make or schedule your payment now '' 2. Click " Pay Your Bill '' button 3. Citi website opens on Citi XXXX XXXX saying " Minimum payment due : {$0.00}, Last statement balance : {$0.00} '' I did some thinking and figured out what the problem was. I got a replacement Double Cash card in XXXX 2021. On the Citi website, it now shows two Citi XXXX XXXX cards. However, when I receive the statement email, the link to " pay your bill '' directly opens the old Double Cash card. There is no indication that there are multiple Double Cash cards. One would assume that the link in the email statement would open the correct corresponding Double Cash card. Note that I am a paperless account, so there is no paper statement. The only statement is the email, which contains a direct link to " pay your bill '' which shows {$0.00} due. 

I called Citi bank on XX/XX/2021 after noticing this issue and immediately paid the account and requested for a waiver of the late fee and interest. Citi representative denied the request. I explained the entire situation above, and the Citi rep agreed that the link in the statement email should open the correct payment page for the card. I stated then obviously there is a problem or bug here if it is taking me to a page saying payment due {$0.00}. The rep could not escalate further because her supervisor was off work already. 

I noticed a few minutes after my complaint that suddenly the old Citi Double Cash card was erased from my account. I believe the Citi rep tried to delete evidence by removing the old Double Cash card from my account. Good thing I already took screenshots and a screen recording to preserve evidence. Screenshots and screen recording are available on request.

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 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting 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 applied for credit and was denied, when I checked my credit report I found 4 unauthorized accounts reporting on my report - US DEPT ED, - US DEPT ED, - XXXX XXXX XXXX, - XXXX XXXX XXXX. I'm not getting any help from any of these corporation for the information requested, also for the deletion of these account because they do not belong to me. 

Enclosed is a copy of the police 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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the second dispute pertaining to XXXX they have fraudulently verified late payments, XX/XX/2022 letter sent from XXXX states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month XXXX has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure XXXX owes damages of XXXX dollars per violation. 
These violation were confirmed by XXXX to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX Remove fraudulent inquiry 's from my credit report, 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 2021-11-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Thursday, XX/XX/XXXX at XXXX AM I went inside the Chase branch near my house. I deposited {$2400.00} in cash into the ATM inside the bank. The ATM took a long time to try and process the account and eventually there was a message that said they were having a problem. And to be sure the deposit went through please call us at this number will print the number on your receipt. This particular branch has not given out receipts on their ATMs for the past several months. I went to talk to the branch XXXX and she gave me a number to submit a claim. I submitted a claim, the customer service representative said it could take two hours up to two days to have the money deposited into my account and that they would send an email confirmation to update me on anything that is going on. It has been 2 1/2 days and the money is not in my account and I have not heard anything from Chase. The ATMs are defective and ATMs do not give out receipts any time you make a deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Experian on several occasions that these inquiries do not belong to me. I contacted customer service in XX/XX/XXXX and told them that my sister name was reporting on my credit report and that several of her information was on my file as well. They removed most of the information but these XXXX inquiries are still reporting. On XX/XX/XXXX they placed an fraud alert on my file but didnt remove the inquiries. I need these inquiries from XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX all removed because they do not belong to me. Each time I contacted and wrote to Experian they came back saying please contact the company to have them removed but the companies do not have my information in their system.

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