BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-15
Company: Experian Information Solutions Inc.
State: MD
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:
Since XX/XX/XXXX and XX/XX/XXXX, several times via USPS certified mail, I made timely and proper disputes for the removal of several inquiries on my credit file that I did not authorized. The bureau immediately told me that Inquiries are generally a matter of fact and that under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. In writing and by telephone, I let the bureau agent know that I did not authorize these inquiries and that the FCRA requires that all inquiries reported by the bureau must be or have been authorized by me. The bureau did not remove the inquiries and informed me that all of the disputed inquiries will remain on the credit report for a year or two and that they " should not '' hurt my credit score. These inquiries have and are still hurting me and my credit score because they are neither factual nor authorized by me.

The disputed inaccurate and unauthorized inquiries are : 1. XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 2. XXXX XXXX CC # XXXX ... ... ..Inquiry : XX/XX/XXXX 3. XXXX   XXXX XXXX ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 4. XXXX   XXXX/XXXX ... ..Inquiry : XX/XX/XXXX 5. XXXX XXXX ... ... ... ... ... ... ... ... ... ... ..Inquiry : XX/XX/XXXX 6. XXXX XXXX XXXX XXXX ... ... ... .Inquiry : XX/XX/XXXX 7. XXXX/XXXX ... ... ... ... ... ... ... ... ... ... ... Inquiry : XX/XX/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 2022-11-18
Company: EQUIFAX, INC.
State: IL
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 need to unfreeze my credit with Equifax. The website login is unavailable and directs customers to the company XXXX number. 
The automated system uses information from customer credit report to verify identity. 
However, the automated questions have no relevance to my current credit report. The automated system will ask follow up questions for credit report entries that do not exist on my report. 
The customer has the option to choose a keypad option for " no '' but the system will continue to ask questions based on the " NO '' answer. 
The automated system then drops the phone call. 
There is no " get human '' option. 
This is impacting a job opportunity and I am displeased immensely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Webcollex, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account is negatively reporting on my credit report. I never owned this account. This collection was open around XX/XX/2019. The amount was approximately {$630.00}. This company is failing to follow compliance procedures according to the Fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
At certain times during the past few months, I noticed that one of my credit card balances was incorrect/wrong, either as a result of a compromised account or late postings to my account, for example. Unfortunately, I had to purchase items, such as household products, personal hygiene items, soap, hand sanitizers and other related miscellaneous products including, but not limited to food selections to alleviate any/all food insecurity that I was and/or am currently experiencing as a result of COVID-19. In order to comply with CDC guidelines regarding ways to stop the spread of the novel coronavirus, COVID-19, I find myself in debt today, XX/XX/2020, with little relief in sight. Additionally, I am recovering from XXXXXXXX XXXX that occurred in XXXX, 2020, and I was told by a bank representative that some leeway is available to consumers who can't make full balance amount payments as a result of sickness, such as XXXX. Apparently, that is not entirely true. Coupled with the financial hardship of COVID-19 is the financial hardship that I am experiencing as a result of XXXXXXXX XXXX and XXXX. When I inquired about financial assistance due to sickness at my bank, I was told that the only financial assistance that I could access was the ( elective ) financial assistance provided as a result of COVID-19. 

I feel as if my bank is trying to rip me off, and furthermore, the bank does not seem at all interested in my personal financial hardship due sickness. The only financial assistance option provided by my bank is related to COVID-19 financial assistance, not assistance related to the fact that I was sick ( and recovering from ) with XXXX. My XXXX XXXXXXXX XXXX XXXX began in XXXX, 2020 and ended in XXXX, 2020, with one more procedure forthcoming, which needless to say was/has been delayed due to COVID-19. 

What are the the general banking rules with reference to credit card balances that can not be paid in full, when a consumer, such as myself, is stricken with XXXX? I would like to access more information about the " sickness '' related ( clauses ) policies and/or rules, for instance, that are implemented when a consumer can't pay their credit card balances in full as a result of sickness? 

One of my main concerns pertains to late fees ( which may be waived by the upon request ) but what about compounded interest accrual that is being charged during an unprecedented pandemic, when interest rates are too high to begin with for the bank ( s ) to fairly charge interest on balances that a consumer, such as myself, can not pay in full as a result of this pandemic, COVID-19? The bank 's current offering is unfair, could jeopardize a consumer 's personal credit history/score as well as compromise future access to credit and/or borrowing/lending options, for example. My bank current financial assistance offer is not good enough.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-24
Company: Nelnet, Inc.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dear Nelnet Student Loan Servicers : How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
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: Their investigation did not fix an error on your report

Complaint:
It appear that Experian has not taken the time to properly review what is it that the request for an investigation for a charge off account reported to my credit file to which I have been very specific to what issues are that need to be corrected as there has been many violation of the FCRA that the creditor was engage in doing when reported to the credti bureau.. 

In result the credit bureau have the prove that infact the crteditor has been reporting inancurate information that have taken place after the account is reported a a charged off the following are the issue and I have enclso the documents records to support my request. 

XXXX continue to re-age the account by not reporting the actual date when the account first delinquietn month and then the month to which the account was charged off XXXX has reported on a monthly base that the account has been charged off to reflect the most damage to my credit file that the account has been charged off month after month When creditor report the account as a charged off it isa one time reporting and the date reported is final meaning that not reporting the date when it happen and them use a current date as when reported is re-aging this record no allowing the negative records to be lesss damaging as time goes, so this is a violation and violation of your part for allowing this to happen ' The fact that is charged off the need to paid the debt is stil valid, what I am disputing here is what when on taht creditor did when reported monthly after the date of charged off took place but again that date was not reported until now ..but for almost two year did not so the record need to be remove Charged off account can not have a late payment the account is closed so explain to me how is it that they report acount been late 30-60-90 be late and be chrged of at the same time this in incorrect. 

You need to know whoever review this what can not changed and what information can be update on a charged off account

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 2023-03-29
Company: Experian Information Solutions Inc.
State: RI
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 discovered that the same account on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate this account. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the inaccurate account that needs to be investigated and updated : XXXX XXXX XXXX : {$160000.00}

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 2020-11-04
Company: Conduent Incorporated
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
XX/XX/2020 i was shopping online XXXX bought a XXXX gift voucher XXXX XXXX XXXX  card and XXXX XXXX  XXXX  that was the last i used card .. fee of 5 replacement card and XXXX XXXX  card shows up on purchases soi just dont do anything it happens all the time i have opened an account XXXX XXXX  XXXX XXXX XXXX XXXX va XXXX .. my girl and i are fussing back and forth her name is XXXX XXXX XXXX and she is out with Best friend XXXX XXXX my girl let her use her card i dont know but i know im going thru a situation of fraudulent activities being put on me and i want to clarify that a card recieved on monday ups in my name im looking at it i look at the number in the corner i call it says indiana something .. i still have the card in muy posession ending XXXX when i sign into my account card ending XXXX XXXX something like thatmy charfes i made prior weeks are showing up in all other transactions a re w pending .. something real crazy with that XXXX my emails locked out i was using XXXX my sim card gets locked ..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: BARCLAYS BANK DELAWARE
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I cancelled a purchase I made with XXXX XXXX. I have a document from the title company that says the contract was cancelled. In the contract, XXXX XXXX started a XXXX credit card and put {$9000.00} on it and when the contract was cancelled they claimed they could still charge me {$1000.00} promotional fee even though I didn't receive anything. When I found this out I started a dispute with XXXX in XXXX after I got a bill. My dispute is I cancelled the contract, so XXXX cant still charge me for the contract. I received a letter dated XX/XX/XXXX that acknowledged I had started a dispute. On documents dated XX/XX/XXXX and XX/XX/XXXX I received documents that stated they were investigating my dispute and would contact me if they needed additional information. On a document dated XX/XX/XXXX, XXXX said I didn't give them enough information and where rejecting my complaint. I called XXXX in the first week of XXXX, XXXX, to ask about what information they needed and that they hadn't asked for any information and hadn't given me any time to submit the information they needed. In the phone call they said a manager would call me within 48 hours to talk about the situation, but no one has ever called 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 2023-02-13
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2018-10-14
Company: Fidelity National Information Services, Inc. (FNIS)
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 have on multiple occasions, filed a dispute with ChexSystems for XXXX ID XXXX due to identity theft. I disputed {$61000.00} reported by XXXX XXXX XXXX from XX/XX/XXXX, {$720.00} reported by XXXX XXXX from XX/XX/XXXX and {$290.00} reported by XXXX XXXX and XXXX on XX/XX/XXXX. These XXXX accounts were fraudulenty opened in my name and without my permission. in the case of the XXXX XXXX and XXXX, the account was opened in a name similar to mine, but with a different social security number and reports an address I have never lived at - XXXX XXXX XXXX XXXX, XXXX, TN XXXX. In support of this dispute, I submitted the FTC Identity Theft Report I filed, which clearly proves I am the victim of identity theft with regards to these three accounts. ChexSystems refuses to block and/or remove that information pursuant to the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: 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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
On XX/XX/2018 someone made an unauthorized fraudulent purchase at a XXXX XXXX in the state Illinois using my AMEX SERVE account number without the card physically there. The charge is currently on Hold. I contacted AMEX SERVE and they said they can not do anything until the charge actually goes thru.

By AMEX SERVE refusing to take action, they are telling me that they are OK with fraudulent activity and will accept this activity and do nothing.. 
They also stated they allow purchases to be made at a store without the card being physically present which is contradictory to their statements about fraud protection when you first sign up for the card. 
Also they stated that I would have to call back after the fraud has gone through before they can begin an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: Navient Solutions, LLC.
State: NY
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:
My loan servicer is Navient. I'm currently enrolled in an income based repayment plan, the status of which should have lasted until XX/XX/2019. I usually file renewal paperwork in the summer. For some reason, the payments due for half of my loans randomly increased in XXXX. The total overall increase is exactly {$100.00}. Last month I was supposed to pay a minimum payment total of XXXX. This month, I supposedly owe XXXX. When I called today ( XX/XX/2019 at XXXX XXXX E. ) to ask why, the customer service representative had no idea what to tell me. She tried to suggest that something may have changed with my private loan. But I was looking at a print out of each individual loan payment, and my private loan was not the issue. Half of my student loans ( 4 direct federal loans and 2 stafford loans ) increased. I've provided screen shots as attachments below. One screen shot from XXXX where my payments were correct. And one from XXXX where they're randomly {$100.00} higher. I'm not sure what the customer service rep was looking at to indicate that this change would have had anything to do with my private loan. But just guessing about it was not helpful and could actually have been harmful to someone who didn't know any better. Her Navient customer service ID was XXXX. We ended the call with her saying she put in a research request to see why the payments would have changed. I requested to speak to a supervisor, but she denied my request. In the meantime, they put my account on a courtesy hold because my payment is due at the end of the month ( in three days ). But no one can explain why my payments increased in the middle of the income based repayment plan cycle This isn't the first time my payments have changed for suspicious reasons. It always seems to get sorted out, but only after a few weeks and many hours on the phone pushing for real answers and not uninformed guesses. I've started taking screenshots of my online navient account because the payments change so frequently and usually in error. And I want to be able to prove what's happening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 30-day 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 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 2022-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXXXXXX, account # XXXX 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 a consumer reporting agency can not furnish a account without my written instructions

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