BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2023-05-18
Company: Experian Information Solutions 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:
Despite of many requests, this was my 8th complaints that there were some inaccurate accounts listed on my credit file continue to report. I'm so very disappointed whenever i saw my credit report with such an erroneous informations. In violation of federal law, accounts should be corrected right away. These inaccurate accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved clearly. The following accounts seems to be an error on my file that needs to be corrected : XXXX XXXX XXXX XXXX Balance {$360000.00} ; XXXX XXXX XXXXXXXX Balance {$4600.00} ; XXXX XXXX  Balance {$3700.00}.

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 2019-03-18
Company: Navient Solutions, LLC.
State: UT
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:
I have called Navient and formally Sallie Mae many times to get some of my interest rates lowered. I have XXXX private student loan that is 12 % interest! It's so demanding that I will never pay it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2019 I lost my job due to a misunderstanding with my director. While I was trying to get things back on track I filed for unemployment and started to receive a benefit in XXXX. I had bills to catch up on and XXXX children to take care of. Capital one sent paperless bills during that time but never thought it would be wise to maybe call regarding the drastic account change they were planning. After getting stable despite XXXX  I wanted to make things right. I called Capital one in XXXX and made them aware of my repayment plan. No one said the account was closed but open for repayment only. On XX/XX/XXXX, I called and asked why my online account said restricted and the agent could not help. I called again by that next Monday and that is when a supervisor said my card has been closed despite my efforts to pay up now. Apparently restricted really means closed but no one disclosed that. Honestly, I found information on XXXX where Capital one does this over and over to people.Overall, I dont think this is reasonable or even ethical for a business to treat a customer like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MD
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 my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00}, 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 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to dispute the following information in my file XXXX XXXX The item I have identified is inaccurate because I never had a account with XXXX XXXX and or a credit card with XXXX bank XXXX and 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 2023-05-18
Company: Experian Information Solutions 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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: Experian Information Solutions Inc.
State: MO
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:
The following two ( 2 ) accounts do not belong to nor ever belonged to me. These accounts are fraudulent and I'm demanding that they be blocked from my credit files. I do not Live in XXXX and probably was a minor when these accounts was created. I'm a XXXX so I'm not sure if that's the mix up but what I know fo sure that these accounts are not mines. Please remove these accounts or provide me with physical documentation, signed contract via identification to show just cause of why you and your companies is reporting these accounts. If you can not show physical proof of these accounts then these accounts shall be removed immediately. 

1 ) XXXX XXXX # XXXX 2 ) 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 non-monetary relief
Consumer complaint received 2021-04-06
Company: EQUIFAX, INC.
State: AL
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:
On XXXX XXXX I reached out to equifax about unknown inquiries on my credit report I advised them that the inquiries all happened while having the XXXX year extended fraud alert on my profile they stated that can't remove them I reference them to FCRA that they should be removed because they did not have my permissible use. I have attached a copy of the inquiries that I disputed and were not removed ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX. 

Account name : # DEPT OF ED/XXXX  Account number XXXX Account name : DEPT OF ED/XXXX  Account number : XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name DEPT OF ED/XXXX  Account number XXXX Account name XXXX  XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account number 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: OH
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 my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$570.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX and XXXX XXXX NOT MY NAMEs THESE ARE NOT MY ADDRESS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2020-12-05
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hi, I finally ( I think - no confirmation yet ) had the company - Barclays credit card US close my account. I took over 45 minutes on the phone and persistence. The service rep said the " computers were not working '' and to call back later. It took several request from me to connect me to a supervisor who eventually canceled my credit card. I suspect this was a scam to make it hard to cancel a card and want to alert someone of this. I will send an update if I actually don't get it canceled.

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 2018-05-09
Company: Capstone Credit & Collection, LLC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I called the collections facility to inquire about the debt, I spoke to someone by the name of XXXX XXXX, I needed to update incorrect information and ascertain knowledge as it pertained to the debt because there is things within the debt owed that is very questionable i.e. the amount and date reported and who the debt was acquired by, also to assure it had been updated to reflect the correct date of debt and also to advise this debt acquired is questionable. Upon hello I was being baited into a arguement, then after being verbally abused, I asked to speak with a manager and I was advised the manager does not speak with XXXX @, This establishment lacks professionalism and I am very concerned about this agency having my personal and confidential information. To no avail I am no further in realms of resolution than I was intially. However, to be verbally abused when trying to ascertain information that is on file with a company as it pertains to my name is totally obsurd. I tried to contact this establishment several times, however when they see my number they hang up immediately. I require assistance as to how to proceed with this mom and pop shop. Any assistance that you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: NV
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: AES/PHEAA
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:
FedLoan Servicing was mailed disputes regarding my credit report for XXXX months worth of late payments reported from XXXX and XXXX of XXXX causing me to have XXXX ( XXXX ) late payments show on my credit. After more than 6 months it was finally resolved and FedLoan Servicing sent correspondence to me and also here that the issue will be corrected and the update will reflect on my credit reports within 60 days from XX/XX/XXXX which it was. 
However, FedLoan Servicing came back here on CFPB in XXXX and stated that again there was another error and the correction to remove the late payments from XXXX and XX/XX/XXXX was also removed in error and that the late payments should remain on my credit reports. 
My issue with FedLoan Servicing is that they are not resolving an issue that they created. I have sent several disputes to this company and have not received any form of resolution this has taken a toll on me mentally, physically, and emotionally to have to endure pain and suffering all because of their mistakes. No one at this company has taken accountability to resolve my issue, please assist and I want these late payments to be removed once again from all three ( XXXX ) of my credit reports immediately. 

For their company to agree to update this information then later go back and add it to my report is destructive to my credit worthiness and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I attempted to transfer money from my Chase bank account to my friend 's XXXX XXXX account though quickpay operated by XXXX in the amount of {$690.00} on XX/XX/XXXX. The funds never reached her bank account and her bank never received information regarding an attempted quickpay from me. On XX/XX/XXXX, the status of the quickpay was funded. The status of the quickpay has been 'delayed ' since XX/XX/XXXX. I spoke with my bank numerous times at branches and via telephone. They will not cancel the transaction or refund me the funds until a claim is settled. I filed a claim XX/XX/XXXX and it was denied XX/XX/XXXX. I was only informed it was denied on XX/XX/XXXX when I called to check on the status. The claim was re-opened when the person I spoke with realized that I had transferred money via quickpay to the same person ( same email, phone, etc ) on XX/XX/XXXX and it was completed within 5 minutes. They are now claiming that XXXX never sent the funds to my friends and that they are not at fault. They have refused to give me a credit while they figure out why XXXX never sent the funds to my friend because it is an online transaction not a debit card transaction. I have been told that I must wait another five business days for someone to evaluate the issue. I have called almost every day since XX/XX/XXXX because I continued to receive a different response each time. Initially I was told that that my friend would receive the funds with 3-5 business days. Then I was told that they would cancel the money transfer and I would get my funds back on XX/XX/XXXX. Then I was told that after 10 business days that the money transfer would automatically cancel if it isn't completed. None of these things have happened. I was also accused of using the wrong email address which is not true. I am at a complete loss and I do not understand why they do not want to give me my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a credit card with Comenity bank, also known as XXXX XXXX. I setup autopay on my account on XX/XX/2023 to make sure that the statement balance is paid by the due date and I do not have to pay finance charges/late fee. My due date was on XX/XX/2023 but the issuer bank did not transfer money from my bank account. Their representative called me on XX/XX/2023 that I have an unpaid balance and if I would like to pay it. When I asked why the money has not been debited from my bank account despite setting up Autopay well in advance of the due date, I was told that the autopay is effective only after XXXX billing cycles and I am responsible for making the payments myself till it takes effect. 
When I checked, I found that I have been charged interest charges of {$31.00}. I sent them an email asking for reverting the charges back, I was given the same response, i.e., the autopay takes effect only after XXXX billing cycle and the finance charges are correct and can not be reversed. I sent another email protesting that it is not my fault that your bank takes so much time setting up autopay, and I should have been informed before the due date that though there is an autopay, the payment will not take effect, but the bank rep is sticking to their argument. These charges are wrong and should be reversed.

Company response to consumer: Closed with monetary relief