BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-21
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 a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX of 2021, the XXXX XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and currently serving aboard a ship, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The XXXX XXXX agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with XXXX, XXXX, and XXXX. With XXXX, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on XXXX and XXXX. However, as of today it is reported late again on both XXXX and XXXX. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 traded in my XXXX XXXX for an XXXX in XX/XX/2022. My delivery was delayed because I had a medical procedure in XXXX and to make matters worse my wife was diagnosed with XXXX and needed to quarantine which further delayed delivery. The new vehicle was finally picked up on XX/XX/XXXX which created a 30 day late on my XXXX, XXXX and TranUnion credit reports. Prior to this, my credit scores were all in excess of XXXX. I reached out to XXXX XXXX who financed my XXXX XXXX and requested a goodwill adjustment because I never had a 30 day late with them and they refused any accommodation after speaking with 5 different individuals. My request for a goodwill adjustment was due to extenuating circumstances as mentioned above. The XXXX XXXX was paid off on XX/XX/2022 as per XXXX own records which is attached to this complaint. My payments for the XXXX XXXX are due on the XXXX of each month. As is clearly evidenced by the attached transaction report the car was paid off prior to the XX/XX/2022 due date. XXXX not only reported a 30 day late in XXXX but also reported the account as 30 days late in XXXX which is IMPOSSIBLE because the car was paid off prior to the XXXX payment due date ( XX/XX/XXXX ). XXXX has yet to correct their error which has further deteriorated my excellent credit ratings with all three credit reporting agencies. Furthermore, as evidenced by the attached XXXX account statement, my account is currently listed as past due which is outrageous. In addition, my XXXX report is showing the account as 60 days past due TWICE ( screenshot attached ). This has caused extensive damage to me personally and I demand that this erroneous and derogatory information be deleted immediately. I have tried to dispute this inaccurate and damaging information with all three credit reporting agencies but their online dispute portals will not allow me to attach documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 crimes 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 2022-01-21
Company: EQUIFAX, 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:
In XXXX of 2021, the XXXX  XXXX XXXX updated their online account software, which stopped my automatic loan payments without my knowledge. I receive electronic statements, and there was no electronic statement delivered to me until I began to question in XXXX. I am a XXXX XXXX and currently serving aboard a ship, which limits my access to the internet. I could not access my accounts until I discovered the problem in XXXX back in port. I subsequently paid the amounts on time on XX/XX/XXXX for XXXX and XXXX when I got a hold of the company. The Credit Union agreed to backdate my XXXX payment and did not charge late fees. I was informed this was a widespread issue affecting their customers and to file a dispute with the credit bureaus if marked late. However, they are currently reporting me late for XXXX. I disputed this information with XXXX, Equifax, and XXXX. With XXXX, I filed 2 separate disputes regarding this payment history, and it was subsequently corrected. The late payment was also removed on equifax and XXXX However, as of today it is reported late again on both equifax and XXXX. I have received inconsistent responses from their service team, and it has always been a waiting game for them to act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I received an email from a XXXX XXXX at XXXX Pretending to be an agent of the Department of Education. The body of the email reads : Hi this is XXXX XXXX, Im following up regarding your eligibility for student loan forgiveness and we were unable to reach you at your home. It looks like your application is incomplete, and still needs to be submitted before the end of the forbearance deadline. Its urgent that you call to complete your application prior to payments resuming in XXXX. As a reminder all loan statuses qualify even those in default and garnishment. If you could please call your dedicated eligibility counselor at : XXXX, to complete your application, and finalize your enrollment as soon as possible, as benefits are offered on a first come, first serve basis. Please be sure to provide your approval code : XXXX when speaking to your counselor to expedite your call. Thank you, bades zulica _. 
_. 
-. 
- This is an advertisement. XXXX XXXX XXXX # XXXX, XXXX, New Mexico XXXX, get removed from list at : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When we send a check they wait until the XXXX of the month to put it through and charge us a late fee so we finally decided to call and do check by phone and last month we called on the XXXX and they didn't put it in all month and they want it now with late fee and insuf funds too plus this months payment and we checked with the bank. No insufficient funds on us and no payment was put thru at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Experian Information Solutions Inc.
State: CT
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:
I have sent over 4 different letters to Experian with my filed dispute. I haven't gotten any responses to the letters, only notifications that my dispute was completed. no relevant information nothing. they're basically ignoring me

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 2023-02-09
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:
I am requesting that EXPERIAN, XXXX, and XXXX remove this collection account from my credit report. I sent a letter last month to XXXX XXXX and the credit reporting agencies regarding a collection account that is reporting on my credit report. The account has been paid, and I originally had an agreement with the original creditor to remove this account once paid. I am not in the business of credit, so I had no idea that my account was sold. This still does not give the company XXXX XXXX a right to ignore my requests. I sent a letter XX/XX/22 asking for the company to remove this account not only because of the original agreement, but because the amount on the collection is different than what the original creditor has. I also asked for validation but was not provided that information. This company also does not have a license in the state of Texas to collect any debt. They also do not have a legitimate website and so I am confused how the collection reporting agencies are allowing a company that is not verified to furnish data. There are many FDCPA and FCRA violations that I can go to small claims court and retrieve payment, but I am only asking for the removal of this paid account as of now. I do expect a response and deletion within 15 days since this is not my first time reaching out to the company.

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 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I am writing to formally address a concerning situation involving unauthorized actions and inconsistencies related to my Bank of America ( BOA ) credit card account ending in XXXX. The sequence of events and the subsequent actions by BOA have not only violated my consumer rights but have also inflicted considerable distress and disruption in my personal and financial affairs. 

Without any prior notification, I discovered that my BOA card ( ending in XXXX ) was inexplicably closed. Moreover, all traces of this card vanished from both the online banking portal and the mobile app, despite my timely payment of the balance and ensuring the legitimacy of all transactions. To further complicate matters, on XX/XX/XXXX, a merchant reached out to me querying about a claim I supposedly filed against them a claim I neither initiated nor authorized. Following this, I contacted BOA multiple times seeking clarity. However, their feedback was inconsistent : they neither saw any claim against my supposedly closed account nor any outstanding balance. This inconsistency became even more baffling when, on XX/XX/XXXX, I received a letter from BOA, declining a claim I had never initiated. 

These events have adversely impacted my relationship with merchants, eroding trust and complicating both personal and professional engagements. Additionally, the entire scenario raises severe concerns regarding the safety and integrity of my personal and financial information with BOA. Above all, the mental and emotional toll this situation has exacted, compounded by the lack of clear communication and resolution from BOA, can not be overstated. I sincerely hope for an expeditious and satisfactory resolution to this grievance.

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 2023-02-24
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:
I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXXXXXX XXXX XXXX XXXX : {$1500.00}.

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 2023-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Bank of America allowed a credit card be opened without my knowledge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09
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: 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 confidentially under 15 USC1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,

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 2022-09-21
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have a checking account with Chime. 
On Saturday the XXXX of XXXX I woke up to notifications letting me know that 4 transactions had processed from a XXXX company named XXXX XXXX XXXX, each for {$30.00}. I also had two text messages from the fruad department asking if I had authorized two of the transactions and I texted back " no '' and received a text that said this transaction had been declined and no money had been taken ( the only charge it denied was one for {$10.00} ). I locked my card and called customer service to report the fraudulent charges and was told that the representative had canceled them, that they should not go past the " processing '' phase and if they do then I needed to call back. They asked me if I wanted to have a new card issued and I told them yes, so that representative canceled the card I had and put in the order to issue me a new card. 
On Monday the XXXX around XXXX I checked my bank account and saw that they had fully processed, so I called customer service again and filed a claim for the fraudulent charges, letting them know of my previous conversation with one of their representatives. While answering their questions I informed them that I had never heard of this company before and had not used my card for a few days, that when the transactions occurred I was asleep and I notified their company as soon as I saw the charge notifications. They informed me that the claim had been filed ( # XXXX ) and I would recieve an email letting me know the companies decision. Later that day I received an email telling me that the company had determined the charges to be legitimate charges and the claim had been closed. So I called the customer service department again and told them about this and that I would like to reopen the claim, to which I was told had to be done by emailing the support email. I immediately wrote the email telling them all of the information that I had previously told the customer service representatives and stating that I didn't approve these transactions, that I had never heard of the company before as well as informing them that I can not afford to have the {$120.00} taken from me for transactions I did not do. I woke up to an email today ( the XXXX of XXXX ) telling me once again they determined the transactions to be valid and that I can request the documents they used to make their decision. 
I will include the transactions from my bank account and the emails recieved/sent to chime support. The transactions themselves show that 3 of them happened at the same time with the 4th happening a minute later.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: OH
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 DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX CARD SERVICES. ( XXXX ) IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.

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 2018-03-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My rights as a consumer are being violated and expect this complaint to be taken seriously, as XXXX XXXX  has a history of abusing the very consumer ACTS meant to protect consumers from such overreaching violations. 

This complaint is ongoing as previous responses have been deemed inadequate and failed to provide proof of credit inquire consent or produce any form of loan request documentation that would have authorized the company in question ( XXXX XXXX ) legal right to pull my credit as outlined within the Fair Credit Reporting Act. 

It is my expectation as a consumer to be protected from unwanted an unauthorized inquires. None of the so called justifiable reasons that have been provided applies to my informal communication with XXXX nor have they provided any proof to the contrary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: MS
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 submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21
Company: ProCollect, Inc.
State: TN
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 have never agreed paying this company I never applied credit with them this goes against the FDCPA I am requesting for validation under 15 USC 1692g.

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