BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX {$230.00} XXXX  XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$370.00} XXXX XXXX {$880.00} XXXX  XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$800.00} has violated my rights. 

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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2017-10-02
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX, my purse was stolen ( containing money, credit cards, social security card, and driver 's license ). XXXX XXXX I reported that information, and provided police report. I was given a free credit report recently, and in reviewing, I noticed that there are XXXX addresses being reported, that I have never lived at nor have I ever lived in either areas. I have never lived on XXXX XXXX, in XXXX, nor have I lived on XXXX XXXX, in XXXX XXXX. My correct address is : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( where I have lived for the past 25 years ). Please remove the inaccurate information from my profile. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions 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:
On XX/XX/2021 Experian received my documentation from US bankruptcy court stating they do not report to credit bureaus and a copy of my XXXX XXXX showing the bankruptcy was removed. On XX/XX/2021 Experian stated via email and telephone that they verified my bankruptcy through XXXX XXXX. This information is inaccurate and needs to be deleted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Atlanticus Services Corporation
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: Reporting company used your report improperly

Complaint:
I had an alarm system installed by XXXX. I DID NOT authorize for my credit to be pulled and in no way did I authorize any relationship with Fortiva. I received a credit alert that a new credit card for {$4000.00} was placed on my credit file with a utilization of 40 percent. This WAS NOT authorized by me. I did not authorize the credit inquiry not the opening on any account in my name. 

I'm demanding that this account in its entirety be removed from my credit files an that any an all business relationships be ceased, in addition to the complete cancellation/return and refund or the security equipment provided by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Hi, I had a dealership offer to purchase the vehicle at {$17000.00} whole the loan is at {$15000.00}. I am requesting reconsideration to allow the dealership to purchase this loan if not RBFCU will loose money if sent to auction and receives less than what is owed of not less than what the vehicle is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2021 I called Navient to pay off one of two consolidated loans. Both loans are current. As per Navient 's policy, if a loan is current a borrower is able to make additional payments on the loan. After specifying that I wanted to pay the payoff amount for loan XXXX, the supervisor applied the payment to the loan specified. The payment amount was {$3300.00} for loan XXXX. 

However upon verifying the application of my payment, I discovered that {$1600.00} was applied to loan XXXX and that I now owe Navient {$1600.00} on loan XXXX. The lender has added .16 of interest and failed to direct my payment to the loan requested, XXXX. Navient has frustrated my efforts to pay my loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: MRS BPO, LLC
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: Old information reappears or never goes away

Complaint:
I changed cable service with XXXX XXXX XXXX, staying with the company as a provider but changing from XXXX XXXX XXXX XXXX XXXX XXXX. I returned the modem to the company and received an email confirming receipt. I contacted both XXXX XXXX XXXX as well as the collection agency that processed the action, MRS BPO ; providing both companies the email showing that they received the device ( serial number was on the email ). Both agencies never responded and continued to treat this as a debt. I paid them the {$320.00}, in an attempt to resolve the issue and keep it off my credit report. They refused to remove it from my report. 

I filed a dispute using XXXX, XXXX, XXXX ; but the item remains. I did the right thing and used every available remedy to resolve this situation. I do not understand why it remains on my report and why I can not get this removed. There should be a remedy for this type of activity, it is unfair to the consumer that there are no protections when you are trying to do the right thing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
This referred to the complaint issued on XX/XXX/2017 ID # XXXX The XXXX XXXX XXXX XXXX XXXX ID : XXXX REGARDING MY MONEY IN THE AMOUNT OF {$350.00} PLUS XXXX A TOTAL OF {$360.00} I did not need to be addressed on the Terms and Conditions when in fact the Vehicle # 1 XXXX XXXX XXXX XXXX was returned on XXXX XXXX, 2017 and the transaction has been closed. I do not have the vehicle. There was no need to hold my money because XXXX had already released the funds to be place back on my cards since XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please review the attached documents. I am urging the bureau to investigate the accounts that falsely report me as late, despite my history of timely payments.

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 2023-10-11
Company: KEYCORP
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
i AM A KEYBANK CUSTOMER MEANING I HAVE A CHECKING AND SAVINGS ACCOUNT WITH KEYBANK. 
KEYBANK SENT ME OFFERS ABOUT THIS COMMUNITY BASED MORTGAGE LOAN OPPORTUNITYTHAT WAS AVAILABLE WHERE YOU CAN ALSO GET A {$5000.00} CREDIT.AND NO DOWN PAYMENT WAS REQUIRED. 

i APPLIED FOR THIS COMMUNITY BASED MORTGAGE LOAN AND IT TOOK THEM WEEKS TO REPOND. MY APPLICATION WAS ASSIGNED TO XXXX XXXX. SHE ACTED LIKE IT WAS A BIG DEAL AND REQUESTED A LOT OF INFORMATION AND REQUIREMENTS. WHEN SHE FINALLY WAS WORKING ON MY ELEGIBILITY SHE RESPONDED BY EMAIL AND PHONE WHAT ELSE WAS NEEDED. ALSO, SHE ENDED UP SAYING ONCE SHE GOT MY CREDIT REPORT THAT MY DEBT TO ASSET RATIO WAS TOO HIGH, SAID THAT I HAD A MORTGAGE LATE PAYMENT WITHIN THE LAST 12 MONTHS WHICH WAS NOT PERMISSIBLE I GOT NO DOCUMENT SHOWING MY DEBT TO ASSET RATIO WAS TOO HIGH, I ALSO INFORMED THAT THE 12 MONTHS PERIOD WHERE THERE HAD BEEN A LATE PAYMENT WOULD HAVE ENDED THE END OF XXXX AND NOT FROM XXXX TO XXXX BECAUSE THAT WOULD BE 13 MONTHS AND THEY PAID NO ATTENTION. 
I BELIEVE THIS COMMUNITY BASED MORTGAGE LOAN PROGRAM DOES NOT EXIST AND IT IS OFFERED TO ATTRACT CUSTOMERS.. THE WHOLE ORDEAL WOULD BE PRODUCT FRAUD AND LIES. 
XXXX XXXX GOT ME APPROVED FOR ANOTHER MORTGAGE LOAD THAT REQUIRED A DOWNPAYMENT OF AT LEAST 5 % AND NO {$5000.00} CREDIT. WHICH I HAD NOT APPLIED FOR. 
THEIR MORTGAGE LOAN APPROVAL LETTER AND OTHER INFORMATION SENT TO ME BY EMAIL REQUIRED THAT I ALSO GET A RENTAL AGREEMENT ON MY CURRENT HOME AND TURN OVER RENTAL DEPOSITS TO KEYBANK. 
I WAS THINKING ABOUT RENTING MY CURRENT HOME IF I WAS ABLE TO GET A SMALLER HOME UNTIL IT COULD BE SOLD AT A REASONABLE PRICE EVENTUALLY. BUT THIS BANK WANTED CONTROL ON ALL MY MONEY AND DEALING WHICH IS ILLEGAL AND FRAUD IS ILLEGAL. 
FINALLY WITH ALL THE DELAY AND PROBLEMS THEY CREATED I LOST THE PROPERTY THAT I WAS INTERESTED AND IT WAS SOLD TO SOMEONE ELSE. 
THE ACT OF FRAUD NEEDS TO BE PUNISHABLE BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: CITIBANK, N.A.
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:
A home depot/citibank card ( starting with XXXX ) is showing a charge-off in XX/XX/2018 on XXXX ; however, this is no missed payments showing previously. Thus, the charge is clear attempt by citibank & XXXX to negatively affect my credit report for more than 7 years.

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 2021-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs

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 2021-12-09
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, the year is XXXX  and I was a student in XXXX XXXX university  and from the beginning I felt that this was not the place I wanted to be. I was XXXX years old and just got out of high school with no knowledge on how the real world worked but because of reasons with family matter I was convinced to go here. When I went to XXXX XXXX university I was told that they had XXXX XXXX  classes that would teach me all that I needed to succeed and I believed them but I was very wrong. I asked them if other Students come here trying to do the same and when I was there none of them did. 3 days later after classes had started around XXXX, I asked one of my professors that teached XXXX transitioning to XXXX XXXX  ( which I believe is a professor to go when you need help to transition ) about my major and I remember to this day what she said and I quote " Do we even teach that here? '' from there on I had to get out. Another was the teachings, an example was XXXX XXXX and as a XXXX XXXX I was excited at first but when I was in class all they were teaching was how to use XXXX XXXX. I would Like to include that XXXX XXXX is not learning to use XXXX XXXX  and that includes XXXX XXXX, XXXX XXXX XXXX  software and the very next week I went to the office and told a the woman there that I wanted to drop out because I felt that this college is not for me and what I want to study for. So I told her what that professor said because it made me feel more lost than I already was and because I was so XXXX and XXXX XXXX I even cried in her office where there were people around but all she could say was something like don't drop out because what would all of your friends think when they see you are the only one not graduated. Even after telling her that this was not the college I wanted to be in she still insisted I stayed. I ended up wanting to drop out before it was too late but when I did there was nothing I could do since the time period had already past. My experience in this college can be described as a misfortune since they did not teach what I was looking for even though they told me they did and my hope was to at least learn similar things so that I could transfer my credits but that was not the case. At the time this college was more focused on other studies but not game design. I am in another university and from the very beginning they kept their promise and what they teach are so much more and as you can see it is not my incapability to not learn but what was being taught in that XXXX XXXX was not remotely close or what they taught was not in the major that was told to me from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: STERLING JEWELERS, 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:
I disputed an account on my XXXX  credit report XXXX XXXX over a year ago. I disputed that the payment history wasn't being reported correctly because there was a few months missing that wasn't reported being paid. XXXX  said the account was verified so the account remained the same. I was comparing my XXXX and XXXX  report on my XXXX XXXX   account and i notice that XXXX is showing that this account was Charged Off but XXXX  has this account showing as Paid Charge off. So when i saw this inaccuracy i decided to dispute this with XXXX  on line but XXXX   wont let me dispute this account again when i try i get the following message. " For security reasons, we can not process your dispute online. Please contact us by phone so we can best assist you. '' so when i call the number i just get put on hold for over an hour. Then i get hung up on. So today im asking XXXX  to let me start a new dispute investigation with XXXX XXXX. I also have proof verifying this inaccuracy.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
State: TN
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 called XXXX XXXX  who is the one who reported on my credit. They said they charged off the account it was sold off to XXXX. XXXX sent me something in the mail to settle the debt with a one time payment which I paid XX/XX/XXXX. I then filed a dispute with Experian to get it fixed. XXXX XXXX  rejected my dispute, so I then sent more information to Experian. Documentation from XXXX showing the account from XXXX XXXX was paid and I now have a XXXX balance. XXXX XXXX refused to still update my credit, saying I still owed the money. I should have just kept my money if I knew they were going to do this. You would thing Experian would see that it was paid and fought harder to get it taken care of but they arent either. XXXX XXXX  is still hitting me credit as of XX/XX/21 with negative feedback. I dont know what else to do!

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 2017-07-10
Company: Pathfinder Credit Services
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX I checked my credit report to find Pathfinder credit services had a collections against my SSN with XXXX, XXXX, and XXXX credit reporting agencies. On XXXX XXXX I requested verification of the debt and account but the business failed to provide any proof. On XXXX XXXX Pathfinder credit services did however report new activity with the account to the aforementioned credit reporting agencies. Considering this business does not have a contract with me for any goods or services nor provided adequate proof, I am not obligated to pay for the alleged debt. Furthermore, I have found that Pathfinder credit services is not authorized to collect in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-16
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
COINBASE. I have been using this app to trade with virtual currency and after using it for several months this message appeared suddenly : " YOUR ACCOUNT IS CURRENTLY BEING REVIEWED AND WE NEED SOME TIME TO VERIFY YOUR INFO. DURING THIS REVIEW, YOU WON'T BE ABLE TO USE COINBASE. REVIEWS GENERALLY TAKE A FEW DAYS, SO SIGN IN EVERY DAY OR TWO TO CHECK YOUR STATUS '' It has been over three months ( not just a few days ) that i havent been able to use my account therefore I can not get my money back because my account is always being reviewed. This company, COINBASE, is reviwing my account after it had already been verified and properly working, so now I do not have access to my money. Do please help me to get my money back because they are my savings. If I can not use the app I should be able to get back my money so please I would very much appreciate your help. It is not the first time they block my account.

Company response to consumer: Closed with explanation