BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Social Security Ending In 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 2021-07-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone used my identity fraudulently to the tune of {$380000.00} for a COVID stimulus small business loan. I disputed this loan and put into place a temporary freeze until I can come up with a plan to protect my identity ( XXXX, maybe? ). I was told by Experian, once the dispute was settled in my favor, that my previous score would return to its original number within 72 hours ; however, it's still down by 12 points weeks later. 

Also, due to an injury, I had to refinance my home and it took weeks to get my temporary freeze lifted because there was only an automated operator who would cut out and then declare it didn't get the information and then cut out again and decide it was too difficult to go on and hang up on me. On top of all of this, I never received a PIN from Experian to lift my freeze. 

I finally got the temp freeze lifted after WEEKS of struggling with Experian, but I'm worried about my score. Experian has been a nightmare! XXXX  and XXXX  were extremely helpful. Why won't Experian help the general consumer unless they pay {$24.00} a month in fees? 

No paperwork on file- everything ( when I got a person online ) was through chat. It's all " recorded for quality assurance ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
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 several hard inquiry that I did not authorize. There are a few dates that have multiple hit all on the same day. I will attach an XXXX sheet that has the inquiry that I am complaining about. I has a list of the inquiry in question the date and the company that is reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CORELOGIC INC
State: NY
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 searching a bank for a home loan, I entered my information they asked for my social security and date of birth. I purposely entered my date of birth and social security incorrectly because I didnt want them running my credit. As soon as I released my application it said it was accepted and immediately I received a new inquiry message from XXXX and XXXX that this company pulled up my credit! This is illegal and against the law, they just violated the Fair Credit Act and they should be fined for this! I also want this inquiry removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a credit card with capital one. I couldnt pay it so it got charged off. On XX/XX/2018, I called and settled the account. I have asked them why they are reporting a balance on the charged off account since it was settled. I was told by the gentleman on the phone that it was going to reflect a XXXX balance due to it being settled. I have called them again in mid XXXX and they keep giving me the Run around saying that there is nothing they can do. 

Please help me resolve this issue. I in good faith settled with them because I know i couldnt pay the full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX XXXX has been reporting a credit card debt as being charges off, not paid and deliquent instead of the truth- this account was closed and has been completely repaid through a court docuemented consent agreement. I disputed this issue with XXXX XXXX, their collection agency, XXXX XXXX, as well as the credit bureau, but they wont fix it and it is still affecting my credit negatively. I have a court document showing that the debt has been paid in full and have included it. XXXX XXXX should not be allowed to keep validating their bad information reporting when I dispute this issues with the credit bureaus. This document proves they are wrong and it needs to be corrected.

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 2023-02-15
Company: Checkr, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Cheekr performed a credit check on me when I Applied for XXXX driver XX/XX/2021. 
As of XX/XX/2021 my DRIVER RECORDED was revised and case dismissed Despite reaching out to Checkr about updating my Motor Vehicle Repoirt tye information is still in correct causing XXXX to not hire me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: AES/PHEAA
State: CT
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:
I have been denied 6 times for teacher loan forgiveness. I have been over my paperwork 6 times with FedLoan Servicing and they don't understand why I am getting denied either. I have been told that I can not speak with anyone at the government level and that I can only communicate with FedLoan Servicing. FedLoan has even talked to my employer, XXXX XXXX XXXX, to confirm employment for 5 years and I keep getting denied. I need a concrete answer as to why I am being told I have not done 5 years of service when I have. Where is the lapse in my service so that I can understand how to fix it if there is even an error on my part. Thank you! 

It is my understanding that you can teach at different schools within a district as long as the schools are Title 1. In XXXX, I had split duties between XXXX XXXX XXXX and XXXX XXXX XXXX. In XXXX, I was assigned to XXXX XXXX XXXX. From XXXX, I was assigned to XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
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 am filing a complaint because several accounts are on my credit report and they are not my responsibility..I did not open any of the accounts and sure have nothing to do with any activities that were made on these accounts..CFPB Please amp up and remove the following XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2018-11-28
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone called today from a representative for XXXX   XXXX concerning my past due credit cards. They left a message stating I will sued if I don't contact them by a certain time and that they will take any and legal actions against as possible. My credit card balances are not over {$500.00} and to be getting threatening messages stating they will be sue me ( which was left on my voicemail by some with a name of XXXX ) is just ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-21
Company: Forster, Garbus and Garbus
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The debt collection agency sued and won a judgement for wage garnishment for a debt that I never received notification on. They sent all the notifications to an old rented mailbox from a XXXX XXXX that I closed 5 years prior. I left the job that the wage garnishment was attached to. They sent me a balance notification to my home address, I paid it in full on XX/XX/2020. I have the receipt notification. Now today, XXXX, I received a letter from their attorney that a warrant was entered for me for the balance that was already paid. This is harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: IL
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 a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2020-08-20
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:
The company is reporting my auto loan late 30 days also 60 days late when the account is not late and My account was put on deferment XX/XX/XXXX XX/XX/XXXX natural disaster it was granted so I was informed that there would not be a late fee and they would not put my account to late status. But its still reporting late on my credit. Also XX/XX/XXXX & XX/XX/XXXX my account was granted and approved for Covid 19 assistance and put the amount due to the back of the auto loan. My account is in good standings but they keep reporting negative as its impacting my credit score. Please I just want them to update correctly as I was told they would but never done. XXXX is reporting XX/XX/XXXX late, XXXX & XX/XX/XXXX late. XXXX is reporting the same as XXXX, and XXXX is reporting XXXX & XX/XX/XXXX late XX/XX/XXXX late & XX/XX/XXXX 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 2018-06-15
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Due to recent financial hardship I went over 90 days past due. So i got in contact with XXXX to set up a payment plan to bring my account to current, the deal that was made was {$88.00} a month no interest if I agree to close the account and stay current on payments if I failed to do so the deal was off so I gave them my bank account and routing number to take the payment and was settled from there I believe this occurred XX/XX/XXXX. On XX/XX/XXXX I went to pay and it showed a balance of {$300.00} assuming this was a error I called XXXX, and was told the the agreement was voided due to non-payment, I replied with the bill is not due till XX/XX/XXXX and they said the original payment was never made, I verified they had the correct account which they did so I proceeded to contact the bank to find out what happened since there was plenty of money for XXXX to take. The bank told me that there was never a transaction attempted by XXXX in that time line. I then called XXXX again and explained to them what the bank had told me and they refused to help me at that point trying to tell me the fault was on my end not theres. In my point of view they purposely did not run the payment to try and void the agreement to continue to collect the interest which I had said to the manager that I was speaking with and she just continuely said they are no longer willing to help me and proceeded to report me negative to the credit bureau, at that point I sought legal advise and was told reporting to you was the best course of action

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 2018-05-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I became a of victim of Identify Theft on XX/XX/XXXX. 

I filed a police report with XXXX XXXX Sheriff 's Deputy XXXX on XX/XX/XXXX. 
I mailed Experian ( along with the other two agencies ) a form letter with detailed information containing my date of birth and social security number, my current address of over 30 years, along with copy of recent utility bill, copy of my driver 's license and a copy of the Police Report that was given to me by Deputy XXXX. My letter requested a permanent security freeze be placed on my credit account. With the letter was the police report stating the file number, classification of incident, date of incident, deputy 's name and badge number, along with XXXX XXXX County Sheriff 's Station contact information. 

I sent these documents via USPS certified with a return signature form, which shows Experian received the documents on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Experian stating their refusal to place a security freeze on my account due to my police report not meeting their criteria for security freeze. Their letter stated that I should pay them {$10.00} to place a freeze instead. The sheriff deputy report clearly states the incident of the crime as a 530.5pc, which is an identify theft incident. They are refusing to acknowledge my police report in order to extort {$10.00} from me. 

I phoned Experian on XX/XX/XXXX and was directed to an over seas staff person that refused to acknowledge my claim of Identify Theft. They stated the only way I could get a security freeze was to pay Experian the {$10.00}. 

I'm left feeling like another victim of crime from Experian for their refusal to abide by California Civil Code 1785.11.2-1785.11.6 and 1785.15. and whatever Federal Laws they violated too.

I also sent same letter and documents to XXXX and XXXX, to which they initially refused to grant a security freeze, but with follow up phone calls and requesting speaking to multiple supervisors several times on same phone call, I was finally transferred to a USA based employee and able to get the security freeze placed on my account from both of them ( 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 2018-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I deposited a check {$5800.00} check into my Bank of America account on XX/XX/XXXX its XX/XX/XXXX and they cant tell me where my funds are and they blocked my account. It is theft. I call them and they transfer me to a person that transfers me to another person and the next. How does this bank get away with this?

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 2021-07-13
Company: Experian Information Solutions Inc.
State: CT
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 do not know how these items ended up on my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on my Drive Licence and Social Security Number ) because if you do you will see I did not sign anything related to these accounts.

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 2020-07-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Bank of America is not allowing EDD debit card recipients to request an emergency cash transfer while waiting for their EDD debit card to arrive.

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