BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
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: Their investigation did not fix an error on your report

Complaint:
I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the three major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my 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 2022-11-05
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: NY
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:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX customer service representative XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, 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 received my credit report XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me from getting approved. I already reached out to the credit bureaus about about this multiple times they keep violating my right under 15 USC 1681b. I also have attach the hard inquires that don't have no purpose to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: CITIBANK, N.A.
State: MN
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:
Dear citi I had file Disputes with XXXX  reporting agencies XXXX tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to XXXX One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with XXXX they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...

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 2022-11-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have an Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX XXXX  I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-05
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To Whom It May Concern : I have federal student loans through FedLoan. I am currently a federal employee that is participating in the Public Service Loan Forgiveness program. I have been submitting my yearly certification forms and my last certification form has employment approved through XX/XX/XXXX. 

In XXXX, I received my certification report. First, the form lists more PSLF Eligible Payments than Qualifying Payments ( 89 to 84 for some loans and 79 to 74 for other loans ). However, the letter does not explain why certain eligible payments are not counted as qualifying payments.

Additionally, assuming that the Qualifying Payments are actually correct, the estimated eligibility dates for these sets of loans are as follows : XX/XX/XXXX for loans with 36 payments remaining and XX/XX/XXXX for loans with 46 payments remaining. However, given that this last certification was approved on XX/XX/XXXX, these dates are incorrect. For the loans with 36 payments remaining, the estimated date should be XX/XX/XXXX ; for the remaining loans it should be XX/XX/XXXX. These were the dates that appeared on previous forms ; however, since actions were taken by the government to pause student loans during COVID-19, these dates have changed and are now inaccurate. I have spoken with FedLoan about this and have received assurance that it would be corrected ; however, this is the second certification form I have submitted where this has not been fixed.

I am requesting that FedLoan review my file and update my payment information with accurate information. It appears that there are various inaccuracies even though my employment has not changed during my entire time in the PSLF program.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: AZ
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. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: SECURITY FINANCE CORP
State: TX
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:
I have been trying to get his account removed off my account. And have disputed it multiple times.

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 2022-08-08
Company: SYNCHRONY FINANCIAL
State: CO
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:
On XX/XX/XXXX, a payoff payment was mailed to PayPal/Synchrony with a statement included. The check came from XXXX XXXX in the amount of {$2900.00} ( it was part of a cash-out refinance ). According to XXXX, the check cleared on XX/XX/XXXX. I've opened a dispute with PayPal/Synchrony and attached the check provided by XXXX. There was very little communication and my dispute was suddenly closed without any additional information. I sent proof of the check to PayPal/Synchrony . I've opened another dispute, but have little confidence it'll be resolved, as the customer support at PayPal/Synchrony is very poor. Also, I mailed 11 other payoff checks to various credit card companies and banks, and all were successfully received/applied. If you need to reach XXXX for further proof of the check clearing, they can be reached at XXXX. I'm at a loss, as the {$2900.00} was part of a cash-out refinance to clear up debt. Thank you.

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 2021-10-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sighs .... where do I begin? Starting back in XXXX I sent a letter to Portfolio recovery asking them to validate the allege account not verify but validate ( letter is attach as well in return I sent a letter with a itemize billing? Left me very puzzled. I then send a second letter informing portfolio recovery that they neglected to validate debt. THIS ISNT MY ACCOUNT. I asked in the 2nd letter for the collection agency ro provide viable evidence my signature!!! I even asked the collection agency to detail the procedure used to determine the accuracy I even asked to know who I there company verified there account. If this is my account prove it show the contractual obligation your alleging I have this is truly disheartening because no one at portfolio has even look at my letters they just send out this allege bill despising the fact that Ive spent my hard earned money to mail letters to clear matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX Following are the dates when the problem was disputed and is still not fixed nor have they sent me the proof that it is valid for XXXX Bank XX/XX/XXXX XXXX the late payment posting of XX/XX/XXXX - 30 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 60 days late XX/XX/XXXX Disputed the late payment posting of XX/XX/XXXX - 180 days late Disputed again on following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The porblem is not fixed yet nor have they mailed me the proof that the payment was late.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-02-18
Company: Nelnet, Inc.
State: SC
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:
Nelnet no longer services my student loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government student loan servicer is XXXX with a total debt of {$140000.00}. The old Nelnet account is part of this. They need to remove the {$63000.00} Nelnet account. I have documents from my Nelnet account to prove this. The credit bureaus should be able to access this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: EQUIFAX, INC.
State: KY
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:
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 instruction.

15 u.s.c 1681 A 5 section states no consumers reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 


XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX {$100.00} & $ XXXX XXXX XXXX {$130.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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/2019, I received an e-mail from the Bank with the subject line " Welcome to e-Bills from Bank of America Credit Card ''. It stated that my " statements have been set up to be delivered electronically '' and that billing has become " paperless '' or " electronic ''. I never authorized this - in fact - this has happened before, twice, and I have complained to the Bank and given them a specific and exact instruction to never do this again. In the past, they apologized and did continue to send paper bills, but now they are pushing for paperless again without my consent, against my direct order and in violation of law. In this instance, I again informed the Bank that I DO NOT want paperless or electronic billing and will continue to receive my bills ON PAPER BY MAIL.

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 2023-02-17
Company: EQUIFAX, INC.
State: CA
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: Problem getting your free annual credit report

Complaint:
Equifax STILL has refused to mail me my FREE annual report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2020 I received an alert via email from XXXX  that a new credit inquiry had happened for a Cabela 's Club account through Capital One. I called Capital One to find out more information and found that the card was applied for in XXXX, XXXX My address in the United States is in XXXX , WA , however, I live overseas working at an XXXX  XXXX  in XXXX , XXXX so there was no way this could have be me. Capital One has closed the account due to fraud and said it would be removed from my record but they told me to put in a report through the website to be safe in case there are any other cases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
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:
I pulled my credit report a few months ago and realized that there was an account on my credit report that I know was opened fraudulently. According to XXXX, Experian, and XXXX, the XXXX cell phone account was opened XX/XX/XXXX. I also noticed that there was an address on my credit report listed in a different state. I've tried disputing this account multiple times but the credit bureau keeps updating it as accurate based from the information being received from XXXX. This is causing further damage to my credit report. XXXX has not done anything to reach out to me personally to investigate this matter instead they keep damaging my credit.As I look at the account on my credit report, it should have been apparent to XXXX that this was opened fraudulently. The amount showing is {$200.00} owed. For proof that I did not open this account, I am willing to provide a copy of my Georgia driver 's license which reflects the address of the home that I bought in XXXX. I've had the same address since XX/XX/XXXX ( check public records to verify the date of my home purchase ). I have no reason to get a wireless account with XXXX when my wife and I have been with XXXX XXXX  since XXXX with no intention of changing ( I can provide bills dating back to XXXX if needed ). I'm willing to provide whatever proof is necessary to resolve this. I just expect this account to be removed form all 3 bureaus 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