BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed these unauthorized inquiries in my report. I have given the XXXX credit bureaus a call XX/XX/XXXX regarding these inquiries. I was told that these inquiries can not be removed under any circumstances. Without showing proof of unverified/unauthorize information. Here is the list of inquiries that are listed on my credit report. 

XXXX XXXX XXXX posted XX/XX/XXXX XXXX XXXX XXXX  XXXX posted on XX/XX/XXXXXXXX XXXX posted XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX posted on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX posted on XX/XX/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 2023-03-07
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:
I have previously contacted XXXX XXXX XXXX XXXX XXXX ) to file a billing error dispute reporting on my credit report. 

XXXX has posted a erroneous late payment on my credit report causing my credit score to drop significantly. 

These errors are INCORRECT on the credit reporting bureaus, and have cost me denials on gaining any type of credit. 
THIS ACCOUNT IS DUE ON THE XXXX OF EVERY MONTH AND WAS PAID BEFORE 30 DAYS LATE! I HAVE ATTACHED MY PAYMENT CONFIRMATION OKINUS has violated my consumer rights! 

15 U.S.C. 1666b CORRECTION OF BILLING ERRORS - A CREDITOR MAY NOT TREAT A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

15 U.S.C. 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS- A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY

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 2019-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
The following two collection companies are reflected on my credit report. I have never had an account with either company and these are reporting in error as I have requested the signed agreement in which I made with both companies at which they stated they didn't have one. I notified XXXX XXXX and Transunion so as to have this erroneous information removed to no avail. The two companies being reported on my credit report in error are below : 1. XXXX XXXX XXXX : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX Texas 2. XXXX XXXX  ACCT : XXXX XXXX XXXX XXXX XXXX, MA 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 2021-03-18
Company: Nelnet, 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 loan was supposed to be closed out because the school was closed down and I was pulled out of class for purposes at the time I was unaware of the situation. I had just wanted to go to school

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
Company: Franklin Collection Service, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Franklin Collection Serv is charging me a bill that I don't owe, they never contacted me and they are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-15
Company: Nevada Credico, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I provided a written 30 day notice I was moving. And being that I lived there for 8 years maintenance was not willing to fix anything that was wrong. XXXX  has been informed to remove this account. I need them to remove fro XXXX  and XXXX. Thank you

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 2023-08-14
Company: Experian Information Solutions Inc.
State: MS
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:
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.

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 2023-07-24
Company: EQUIFAX, INC.
State: MN
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:
This is XXXX XXXX and I am submitting this complaint today to inform you that I have been a victim of identity theft. I conducted research on how to remove fraudulent accounts and information from my credit report, and I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to Section 605b of the Fair Credit Reporting Act ( FCRA ), Credit Reporting Agencies are obligated to remove and block any items listed on an identity theft report. Please find the attached documents that will assist in blocking the erroneous information that is being posted on my report. Here is a list of items that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX  XXXX Balance Owed : {$6400.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to Section 605B ( a ) of the FCRA, Credit Reporting Agencies are required to block any information in the file of a consumer that the consumer identifies as resulting from the identity theft within four business days of receiving the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-15
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
2 months ago, i received a sealed gift card from my customer for my daughters birthday. I kept the card for XXXX shopping and i took it out today. However, it didnt allow me to use it, so i called the number on the backside. The customer service agent said someone already registered card. Since i just opened this card, so i never registered. Even the person who registered didnt match my name, my wife name, even my daughters name. I tried to solve this problem and asked what i can do, the customer service agent answered me to send the copy of card and the original receipt from purchase gift card. Gift card is gift card that i cant get the original receipt. She refused to answer any question since the information does not match. I tried to solve the problem any way, and kept asking, but nothing could be solved.

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 2023-10-11
Company: EdFinancial Services
State: TX
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:
I never attended XXXX XXXX - ever thus all student loans pertaining to that school in my name were discharged. On XX/XX/2023 I received a notice regarding the approval of my borrower defense case regarding all loans associated with XXXXXXXX XXXX Application # XXXX. With that said I am due a refund of {$1400.00} or more. Since Ed Financial is my servicer it is the responsibility of Ed Financial to initiate the refund owed to me. Ed Financial has not taken any steps to initiate a refund for me.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-15
Company: DISCOVER BANK
State: CT
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 dispute has been going on for almost 6 months now. 
I purchased an internet package from the XXXX XXXX XXXX onXX/XX/XXXX for XXXX. The internet did not work ; therefore I went to the internet manager and she credited me for XXXX. The next day I was charged XXXX. I went to the internet manager and she advised that it was a mistake and would be credited again. 
The other dispute is for the XXXX XXXX. The charge of XXXX was for a haircolor. My discount promotion was not applied ; therefore they issued me back a credit of XXXX and charged me XXXX. I am not disputing the amount of XXXX ; I disputed the amount of XXXX. The hair color completely washed out when I arrived home the next day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: Experian Information Solutions 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:
CRA VIOLATION REPORTING INACCURATE INFORMATION THAT I HAVE NO KNOWLEDGE OF PLEASE REMOVE

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 2023-07-24
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: National Credit Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Around 2015, i applied for a graduate program in XXXX XXXX which i was granted and i was given a grant of 2,000 plus, but in my admission letter, it was not stated that i will pay back the grant if i drop out of the College, but the college wanted me to pay back the grant after, they have me pay the loan i borrowed for the little time i was there. 
I have asked them so many times to send me where or a letter that states i have to pay back the amount if i do not finish my course in the college, which till date i have not seen and thing from the college and just for me to see that i had been taken to a collection agency. 

Thanks 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 2017-07-11
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, My complaint is to correct the negative information reported to the credit bureaus regarding my mortgage loan. On XXXX XXXX, 2017, I was approved for the NC Foreclosure Prevention Fund. All parties were notified. To avoid getting 30 days past due and avoid the negative reporting, I made the XXXX 2017 payment on XX/XX/XXXX, since I knew the program was not going make the XX/XX/XXXX payment in time. <P/>I called PNC @ XXXX on XXXX XXXX, 2017 @ XXXX XXXX to inquire on the XX/XX/XXXX payment to avoid a missed payment. I was informed that the bank received 2 payments that will be applied for the XX/XX/XXXX and XX/XX/XXXX payments since the XX/XX/XXXX payment had been made. I explained that I was calling to verify if I  needed to make the payment so that the account does not go past 30 days. I also verified that there was no negative credit bureau reporting. The representative confirmed that there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 at XXXX in response to the letter dated XX/XX/XXXX. The representative informed me that the payments were received and to disregard the letter, it was mailed in error. I explained the date on the letter and also asked to verify no negative credit bureau reporting. The representative confirmed the two payments were received from NCHFA and there was no negative credit bureau reporting. <P/>I contacted PNC @ XXXX on XXXX XXXX, 2017 @ XXXX in response to the letter dated XXXX XXXX, 2017 regarding negative credit bureau reporting. I informed XXXX of the prior calls and asked about the negative credit bureau reporting. She advised me that the negative credit bureau was because the XXXX 2017 payment was posted to the account on XX/XX/XXXX. I advised of the prior calls and asked to dispute the information. She said that she ca n't account for anyone else, but she is telling me that PNC reports when a late fee is applied to any account. I explained that the payment did not exceed 30 days and did not warrant a negative credit bureau reporting. She said because after the XXXX the late fee was applied to the account, PNC reports that information. I explained that I would like to dispute since I called 2 times prior, the calls are recorded and the payment was past the 15 days but not 30 days late. She said that she would submit a complaint but they will not do anything about the negative credit bureau reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My Citibank checking account was involved in a series of ACH withdrawal fraud. I first realized this on XX/XX/XXXX. Since then I opened a new checking account on XX/XX/XXXX on the recommendation of the Citi fraud security team. I tried to close the account in the branch while opening a new one and the banker did not close them, she claimed she froze them. I then learnt a couple days later that it was not frozen. There were dozens of phone calls made to the security team to solve this problem. 

There were many credits issued for the fraud and I was promised that the account would be closed. It has been almost a month, with no resolution still. On XX/XX/XXXX I was called by Citibank because they wanted me to process the payment on my old account since some of the credit were debited back but by then I had no access to my old account as it was already frozen while waiting for the results of the investigation. I was promised that I would be called back on XX/XX/XXXX or XX/XX/XXXX once the payment went through with a resolution to close the checking account. I am tired of waiting and I do not have any more time to deal with this. 

The data breach has caused many accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXt ) to be opened in my name and Citi promised to reach out to them during the investigation and helped close those accounts on my behalf. However, I had to do it all myself and Citi did not seem to do what they promised to. This could be a data breach on Citi 's end that exposed my SSN and other credentials. I could conclude this because I connected all of my other checking accounts ( XXXX, XXXX XXXX, and XXXX ) to any other financial institutions alongside my Citi account but only my Citi account got frauded. Up until last month, I did not know that Checking account fraud existed at all. There are many other institutions that have accounts probably opened under my name ( inferred from ACH Withdrawal ), namely XXXX XXXX by XXXX XXXX, XXXX. I have not contacted them yet. I need Citi to contact them and close those accounts on my behalf as promised.

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 2017-11-02
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX XXXX 2016 I was offered a job position, and they had to do a credit check that i had to pay XXXX for. I was denied the job because during my check it came back that my social security number belonged to someone else. After finally getting in touch with someone from XXXX they explained that possibly one of the credit agencies entered my social security number in wrong. I recieved my free reports from each agency, and there was an incorrect address on my equifax report for someone in Ohio. After sending in identification to prove that i am me, equifax told me the error is corrected. So i disputed this with the company that was checking my credit background for the job and once again i was denied the job because it said my social security number belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
Company: Navient Solutions, LLC.
State: AL
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:
Navient did not inform me of the no early pay-off with out remaining interest free and the interest rate is extreme. 
Life of Loan : XXXX Total Principal Paid : XXXX Total Interest Paid : XXXX Total Fees : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Personal information is now incorrect after disputing an inaccurate variation of my address and my actual address was deleted as well. Additionally some personal information is missing.

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 2022-09-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX submitting this CFPB Complaint to request to the Credit Bureaus remove the remaining fraudulent accounts that are still reporting on my Credit file. I greatly appreciate the Credit Bureaus immediate action to have some of the disputed accounts immediately removed from my Credit File but there are still accounts that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Bureaus are required to immediately remove any accounts and information that resulted due to identity theft. Also, if the Credit Bureaus would claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or any documents bearing my signature to support the Credit Bureaus claims. Once again, I am looking forward for the immediate removal of the following accounts that are still reporting on my Credit File : XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/201XXXX XXXX XXXXXXXX Balance : {$120.00} Date Opened : XX/XX/20XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00}

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