BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: AZ
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/2023, I received an alert from Experian indicating an XXXX point drop in my credit score. The alert stated the reason as a 30 day late payment. My accounts are paid as agreed and no late payment of any kind exists. Additionally, there is no record of any creditor, loan, organization, or other entity associated with the late payment. No other credit bureau reflects this information, and my score with XXXX and XXXX remains unchanged. I have repeatedly contacted Experian. They have refused to correct the error. They have refused to allow a formal dispute because no actual record of the late payment exists. In every communication with Experian representatives, they have agreed that the score decrease is erroneous, however they refuse to correct the score simply because they dont know how. The last representative I spoke to literally stated You didnt deserve this, but we are unable to do anything to correct it because there is no record to dispute. I have reached a stonewall after hours on the phone attempting to resolve this issue with Experian and hours communicating with my financial institutions to confirm that the negative information was false. Thank you for your time in this matter.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: NC
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 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 2023-07-19
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.

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 non-monetary relief
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: IL
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:
Throughout XXXX, I was getting notifications via the XXXX XXXX that my account was past due, although I made the minimum payment. After the minimum payment was made, I continued to get notifications that my account was past due in the amount of {$2.00}, which should not have been the case but I paid it anyway. Days later, I received another notification stating my account was past due in the amount of {$2.00}, so I make another payment. Again, on XX/XX/XXXX, I received another notification stating my account was 29 days past due in the amount of {$0.00}. 

At this point I was very concerned and reached out to Upgrade support letting them know that I was concerned that my account was showing past due and I was further concerned that I would be reported as past due to the credit bureaus. I received a reply advising that these repeated notifications were due to a system glitch and assured that I would NOT be reported delinquent to the credit bureaus. 

Today, I received a notification from Experian that my credit score had dropped XXXX POINTS because XXXX reported my account over 30 days delinquent in XX/XX/XXXX. This is absolutely unacceptable, inaccurate, and illegal. This error was already brought to their attention and even still I have endured serious consumer harm by way of my credit score. I am very distraught. Please remedy immediately. Screenshots and company communication is attached here.

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 2023-07-19
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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2022-10-18
Company: Click n' Close, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it my concern, I started experiencing hardship XX/XX/2022, because of low paying loads, high gas prices and maintenance to keep the trucks running. I reached out to the mortgage company to try to get some kind of help, as far as a forbearance or a loan modification. They told me I was denied and didnt qualify because I ( didnt make enough income ). At this point, I tried my best to keep working throughout this year to keep my mortgage current. I realized that this check to check thing is not going to keep working, so i tried to reach out again, to hopefully qualify for a loan modification. I personally felt by the patterns of my mortgage payments now, from the on-time payments pattern prior, that obviously they would see how hard I was actually struggling. They denied me again, stating was ( because I wasnt unemployed ). And didnt meet the requirements. Which made absolutely no since so basically if I have a job to make some type of payment, is not enough income, but if Im not unemployed then I dont qualify?? Its a big run a round. Ive be doing everything possible to keep my home, I have a wife and XXXX kids on top of trying to keep a struggling XXXX business open. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
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. 

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 2018-04-19
Company: KEYCORP
State: WA
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:
I reported a fraud problem with my bank, a national branch of XXXX XXXX ; on the XX/XX/XXXX. The card was 1st duplicated and then stolen - the csr who took my case said the entire account has been compromised. I filed my fraud problem on the XX/XX/XXXX both in person at the XXXX, Wa. Branch and with the XXXX fraud number for keybank. 
They offered me NO PROVISIONARY funding until XX/XX/XXXX, and have since not only refused to take calls from me but will not return urgent messages from me either. They amount they gave me for provisionary funding was about 1000 , my fraud case is over 10,000.00 ; so i require some kind of communication regarding my claim because as it stands the bank is refusing to cooperate with me on over {$9000.00} of funds that they owe me. They are aware i would likeit settled because i want to transfer to a different bank. You should know that this is about the 3rd or 4th time this bank has allowed this to happen and every time they have handled it in this manner. Besides the unprofessionalism, psycho-terrorism of the phone system and the refusal to follow FDIC laws and guidelines .... 
I revoke my consent for them to " handle '' my finances and want the account closed. They tell me i cant cloae it until ita settled, but they refuse to settle it. And for your own information ; same bank : XXXX, Wa. XXXX - branch manager abouy 3 years ago stole the hard copy, original washington state drivers license. She told me for 2 weeks they didnt have it so i replaced it. DOL never deactivated the " lost one '' per the department of social security so i went back into dol. Almost 1 year later, same branch manager gave me the id back saying it has been in her desk waiting for me the whole time ... .. 
Instead what actually happened was keybank as an entity - uaed my identification to access an account i have with them under my legal last name.. XXXX XXXX ; began embezzelling money from that account, sold my identity to XXXX and department of licensing and many other companies for embezzelment using said account. This account isnt available is all they say to me - ive been locked out of it since the moment i turned XXXX. I am now XXXX ... 
The same branch manager also CLOSED one of my accounts without authorization telling me i was signing to receive provisionary funding. The next time i tried to access the account she had actually tricked my signature and closed said account. 
I want this handled. 
They are given 10 days, its been 19 days, 3 chances and 3 different accounts all with not just issues, but illegal activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputes the incorrect information with transunion on multiple occasion and transunion refused to investigates.
Transunion always replied to me that " dispute not specific ''.
I am sure that Transunion did not even investigate and now I demand they deleted those information on my credit report. The following were disputed and with certainty that Transunion did not disputed them I want transunion to deleted the following account according to FCRA statue.
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 2023-07-19
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a loan 3 different times and was approved all times with my interest rate decreasing. This will be my fourth time applying and my credit has improved balances have decreased and they increased my rate and refuse to tell me why other than my credit profile and when I tell the bank that my credit profile has improved it doesnt make sense that youre increasing my rate on m when youre saying its based on credit. Im being punished for having good credit and navy federal is not using good credit practice with providing loans and this isnt the first time neither they did they with my home loan when apply as well and they need to be looked into

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
My ex boyfriend took out a student loan and used my personal information to cosign on an education loan for Sallie Mae. He used my social security number, salary and employment information to take out the loan. The suspect had access to personal information since we lived together for 8 years. The loan was taken out around XX/XX/XXXX and XXXX to enroll in XXXX college in XXXX. The loan amount totaled around XXXX. I was unaware of this loan until I checked my credit report. I have tried several times to get in contact with the company regarding the loan. They stated that the account is valid because there was an electronic signature from two different computers on the loan ( XX/XX/XXXX conversation with Navient/Sallie Mae ). I submitted evidence to the XXXX police station that proved the loan was submitted fraudulently along with an FTC affidavit to Sallie Mae. They requested that text messages be sent to them to prove that this was not my loan. I stated that the evidence was already submitted to the police and a report was filed. Sallie Mae/Navient investigator " XXXX '' stated that they sent correspondence asking for a photocopy of my ID to verify my identity but I explained that I never received such a request. He also stated that since I didn't respond with a photocopy ID within 30 days, the investigation was closed. I have disputed this account with the three credit bureaus along with documentation that supports my claim that this is not my account. Sallie Mae refuses to remove this fraudulent account from my credit report despite receiving appropriate evidence that supports my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a stolen and fraudulent check was cashed in my wife 's name from our joint Citizens Bank checking account for {$800.00}. I immediately alerted the company through their 1-800 number, and let them know that a police inquiry had already been opened because our car was broken into the prior day. The check book was frozen and the bank charged us {$35.00} to get a new checkbook. We were told we would have to wait up to 10 days to hear back. 

I called the police detective of our open investigation and alerted him of the fraudulent transaction, as well as sent him a copy of the checks and the criminal 's photo ID. 

Later that month we received a letter ( dated XX/XX/XXXX ) that the investigation into our stolen money had been closed because the signature " appears to match other items that have been paid on your account '' despite the criminal having been arrested with the name our check was made out to. This criminal also attempted to cash a check from my personal XXXX XXXX XXXX bank checking account for {$800.00}, however this superior institution called me to confirm the transaction was accurate. 

We contacted Citizens Bank again, and we were told we had to obtain a police report to have our case reopened. The police rejected our formal request for this document, citing the ongoing investigation. We have again reached out to Citizens Bank but have not heard back after several weeks. 

Throughout this whole process we have been met with poor customer service, long waiting times, and frustrating inaction. This is not a trivial amount of money and we hope this situation can be resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: DISCOVER BANK
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
My husband and I are in the process of doing a refinance on our home and have been placed on hold because they found an account that should not have been on our credit report from Discover Card we have not had a Discover card in almost 10 yrs and we were unaware of any problems until now we never received any billing statements I also have been keeping track of our credit report for several years and discover card was never on there until now and we did a refinance on our home back in 2015 and it was n't there then either I feel as if I am being ripped off and I can not believe such a large company feels the need to lie and steel from low income familys

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I recently disputed some late payments that are reporting on my account as to any " transactions or experiences being excluded '' from any consumer report. Therefore, I shouldn't have that information being displayed on my report according to the definitions and exclusions of the word " consumer report '' Pursuant to 15 US C 1681 a Definitions : rules of construction ( d ) consumer report ( d ) Consumer Report. 
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section XXXX681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief