BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-07
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: Personal information incorrect

Complaint:
I have had my address updated several times but credit bureaus continues to keep reinserting the wrong address on my credit report. The bureaus will make corrections and then put the incorrect address back on my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia 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 2021-12-07
Company: WELLS FARGO & COMPANY
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 XXXX XXXX and I am submitting this complaint myself. WELLS FARGO is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to WELLS FARGO but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

( WELLS FARGO 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 2018-01-20
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I spoke with XXXX XXXX and the branch assistant manager and various people at Key Bank customer service, they werent able to provide further information on how to dispute the charge on my key privilege checking account. They just stated to contact the company and ask for a supervisor, at the XXXX XXXX branch, which is the current primary branch listed on the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-20
Company: Navient Solutions, LLC.
State: MI
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 do n't know the dates it was back in XX/XX/XXXX, XX/XX/XXXX... im not sure of the amount it sseems to keep changing. I had a job they were taking money out twice a week.. the amount never went down there 's no way im ever going to get this repaid i ca n't pay them and they want half the amount but did n't send any information. I need this to stop im not working yet my credit score keeps going down so i cant get a car, a house or anything i need and i ca n't go back to school they say until its all paid off and i need to get back to school to finish.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$23000.00} XXXX {$5700.00} XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXXXXXX {$2900.00} XXXX {$0.00} XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM WRITING IN REGARDS TO THESE UNAUTHORIZED INQUIRES BEING FURNISHED ON MY CREDIT REPORT WITHOUT MY CONSENT, PURSUTANT 15 USC 1681b

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 2018-01-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am trying to have a late charge removed from my credit report that was placed by Navy Federal Credit Union. I have contacted them and disputed this information because I payed the late charge before it went to collections and was told that there would be no impact to my credit report because I did so. This happened in XX/XX/XXXXand I have been trying to resolve this ever since and Navy Federal refuses to resolve this issue. When I request to speak with a manager I am told they are not required to transfer me and they are going to terminate the call. I was never notified that I was late even know I gave the account alerts set up. I have never missed a payment with them since or before this incident. I am disagreeing with it being over 30 days late. Again I just want them to honor what I was told when I called and made the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
All these accounts do not pertain to me its fraudulent and not my information. And I would like them to be removed from my credit report. I would also like this issue to be investigated.

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 2021-12-07
Company: Grant & Weber
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt collection agency by the name of Grant and Weber is reporting a debt on my XXXX, XXXX, and XXXX Credit reports. The amount of the debt reports to be for {$510.00} The report that the account Original Creditor was XXXX XXXX XXXX XXXX and was opened on XX/XX/2029. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.

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 2018-04-02
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THE COLLECTION AGENCY PLACED A COLLECTION ON MY ACCOUNT ( XXXX ). AN THE ACCOUNT WAS PLACED ON THE REPORT AND NO INFORMATION WAS GIVEN ON THE ACCOUNT. THE INFORMATION LISTED WAS INCORRECT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05
Company: Checkr, Inc
State: CA
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: Public record information inaccurate

Complaint:
Hello. My background check from Checkr says I have a XXXX when this charge was reduced to a XXXX. Please review attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
All these accounts do not pertain to me its fraudulent and not my information. And I would like them to be removed from my credit report. I would also like this issue to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX ) XXXX XXXX  XXXX XX/XX/XXXX ( EXPERIAN ) 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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I DID AUTHORIZE THESE HARD INQUIRES XXXX XXXX XX/XX/XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/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 2021-12-07
Company: Kashable LLC
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:
This complaint seeks to have kashable LLC and XXXX identify why is there a report of a XXXX day late reporting to XXXX on an account that was paid and closed in XX/XX/XXXX with Kashable LLC. I've tried to bring this to the attention of Kashable supervisor ( who I was told was on the phone and then at lunch and he would return my call but never did ). I continued to make calls attempting to rectify this issue, using all my time and energy for this egregious error that caused an XXXX point decrease in my credit score. I brought this to the attention of Kashable and they deny they reported this ( although I disputed the 30, 60, 120 day late they did report back in XX/XX/XXXX and again in XX/XX/XXXX ). I was told by XXXX supervisor that it was the creditor that report these items. I am back and forth between XXXX and Kashable and both are saying it was not them it was the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A medical bill of of {$370.00} owed has been fully paid but the collection agency has incorrect balance, payment record and history. I had called and disputed the reported debt on the credit bureau, still it has not been corrected and continues to impact my record negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Contacted Navient to get a head start on the topic. My student loan is currently still in grace period and starts on the XX/XX/XXXX. I owe {$27000.00} from a loan I originally only took out XXXX. It has built so much interest since I have been in school since 2010. I have been making the requested {$25.00} dollar fee to keep the interest from going up, however my rate is currently at 12 %. I have a son and am the breadwinner for my home and Navient expects me to pay {$400.00} dollars a month on the loan. I called and tried to get the loan amount down with no such luck. The only option that was offered to me was the filing for forebearance with no other available options. I am so stressed and dont know how we will survive ... trying to get as much help as possible and figure out the best options. This is not even including my fed loans either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collection agency by the name of HMC GROUP is reporting a debt on my XXXX, XXXX, and XXXX XXXX reports. The amount of the debt reports to be for {$260.00}. The report that the account Original Creditor was XXXX HOSPITAL XXXX XXXX and was opened on XX/XX/2021. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. This account was paid by my employer/insurance company or workers compensations plan. However, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account or to support the validity of the account As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Experian Information Solutions Inc.
State: NC
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:
Since XX/XX/XXXX of XXXX, I have been sending letters to XXXX  Experian and XXXX  to let them know that I'm a victim of identity theft and I've noticed fraudulent accounts on my credit report. XXXX  is the only credit bureau that actually deleted the fraudulent account with XXXX XXXX XXXX XXXX for my credit report but it still remains on my experience and XXXX  credit report so now I'm filing this complaint against XXXX  and Experian so they can remove this fraudulent account on my credit report with 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 2021-09-06
Company: CITIBANK, N.A.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The account was closed by Citi bank on XX/XX/2021 I paid the balance in full two months later I was sent a bill with 2 XXXX late fees. I called to inquire and I was told just pay the XXXX and my account would but good well the next month I received another bill and they have been sending bills every month adding XXXX plus interest

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 2021-12-07
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank closed my credit card on XX/XX/21 without any prior warning. I've had the account for almost XXXX decades. They did not give me advance notice in writing, phone, or email. In order to re-instate the account they would need to pull a new credit report. I do not want to pull a credit report because I do not want my credit score negatively impacted for an account that I had open for a long time.

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 2021-12-07
Company: Square Inc
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I tried to make a transfer gor XXXX  and they debited my account but said XXXX  was not debited. My money was never returned. Today my account was debited XXXX from my account. My card is turned off and been turned off yet someone was allowed to take XXXX  off my account and say it was debited for cash as if they had my card and debited cash. I no longer want to use this company. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Freedom Mortgage Company
State: MA
Product: Mortgage
Sub-product: FHA mortgage
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Recently applied and was granted a Chase Freedom Unlimited credit card. Along with the credit card, I was anticipating receiving a risk based pricing notice or an FCRA credit score disclosure exception notice- both of which were not a part of the mailing I received. Upon review of the specific terms of my credit card, it appears, contrary to what I expected, the terms offered are not materially less favorable than the most favorable material terms available to a substantial proportion of consumers so therefore a risk based pricing notice may not be required. Nevertheless, per the FCRA, credit score disclosure exception notices are still required to be provided to customers who receive the most favorable terms if the company opts to use the credit score disclosure exception notice ( XXXX ), which requires universal transmission, over the use of a risk based pricing notice, which is only required to be provided to those who receive materially less favorable terms. Upon contacting Chase regarding this, I was advised to call them- which I did today. During this call, I was advised that the credit report pulled to approve me for the Freedom Unlimited credit card contained no FICO score. Upon this call ending, I have concluded that it is highly unlikely Chase would approve an applicant without a credit score. Additionally, in the event no credit score was contained in the credit report obtained, Chase would still be required to advise me of that if they elected to use the XXXX over the XXXX. When convenient, I would like Chase to affirmatively declare that it provides risk based pricing notices rather than credit score exception notices, otherwise please forward me a copy of my credit score disclosure exception notice. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 belongs to someone else

Complaint:
Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

Item # 1 : I dispute XXXX XXXX & XXXX XXXX {$7800.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 

Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 

In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 

Thank you for your prompt attention in this matter. 

Respectfully, 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