BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). I was so worried that this might affect my credit transactions in the future. I need this issue to be taken care of.

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 2018-05-07
Company: AES/PHEAA
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: Problem with personal statement of dispute

Complaint:
During XX/XX/XXXX was out of school for 7-8 months. Was unable to pay XXXX {$600.00} amount that had left deferment in XXXX/XXXX. Went back to school a month after I was notified of amount needing payment ( XXXX ) and loans all re-entered deferred status. 

I am now out of school and have made the following payments : XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$30.00} {$26000.00} XX/XX/XXXX Payment {$34.00} {$26000.00} XX/XX/XXXX Payment {$270.00} {$26000.00} I am asking that the 2 missed payments that are showing as 120 days late for every semester of loans ( 9 semesters total ) are removed from my credit report. 

I have reached out to the Pennsylvania Higher Education Assistance Agency, submitted a credit dispute, asking to reduce or remove those reports, and was denied. I was not asking for a removal of payment, just removal from credit reporting. 

Submitted a dispute with XXXX in the past, XX/XX/XXXX with no resolution from agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: JPMORGAN CHASE & CO.
State: IN
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:
I went to Chase about credit and I was told I would get a soft inquiry on my credit report. Come to find out, there was a hard pull done and now it makes my credit look even worse than it already is. I am in a process of rebuilding it, and things like this don't help at all. Why would they tell me it wouldn't show up just for it to immediately do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions Inc.
State: OK
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:
Experian deleted my XXXX  current but negative paid/closed most recent XXXX XXXX account on XX/XX/2020 without any reason to have done so and refused to contact XXXX   XXXX to have the paid/closed and current account reinstated so that I could buy another home between XX/XX/2020 and XX/XX/2020. 

On XX/XX/2020, I discovered through a FACTA credit report for Experian that an unknown social security was listed under my credit file and name, and Experian 's XXXX XXXX from Consumer Affairs, in the face of clear evidence, claimed he didn't see it and would not investigate this inaccurate identifier in my credit file, so that I may apply for a mortgage.

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 2022-08-05
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: NY
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 submitting this complaint about experian credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.

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 2020-05-14
Company: AMERICAN EXPRESS COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
There are several charges on my American Express XXXX  Card that I have not authorized. When I try to file dispute on American Express website, it always fails and does not let me successfully submit the claims. The charges that I have not authorized and should be immediately credited to my account are : ( XX/XX/XXXX ; XXXX XXXX   XXXX XXXX XXXX ; {$1500.00} ), ( XX/XX/XXXX ; XXXX XXXX  XXXX   ; {$170.00} ), ( XX/XX/XXXX ; XXXX XXXX  XXXX  ; {$560.00} ). There are 3 more charges with various issues that I would like to dispute as well but due to the American Express website issue I can't : ( XX/XX/XXXX ; XXXX XXXX MD ; {$73.00} ; I have never received this merchandise from the merchant. They have not shipped it nor communicate anything regarding the order. ), ( XX/XX/XXXX ; XXXX XXXX ; {$93.00} ; I have returned this order but not received credit for it. ), ( XX/XX/XXXX ; XXXX ; {$600.00} ; I have been trying to return this order but the merchant is not accepting returns despite their policy saying otherwise. ). Also, please stop any further charges to this account and issue me a new card with new card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: BARCLAYS BANK DELAWARE
State: SC
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:
Disputed Amount : {$150.00} Transaction Date : XX/XX/XXXX Posted Date : XX/XX/XXXX I purchased 2 plane tickets from interjet to celebrate my honeymoon in XXXX in XX/XX/XXXX. Due to the covid-19 pandemic, we were forced to indefinitely postpone our honeymoon plans, and we contacted XXXX at this time to inquire about their refund/cancellation policy. 
XXXX was unable to refund us the money, so they proceeded to give us a voucher number to be used no later than XX/XX/XXXX. No written communication was ever made by XXXX regarding the voucher. They only provided a voucher number over the phone to be used at the time of rescheduling a future flight. We now just found out that XXXX XXXX has filed for bankruptcy and suspended operations indefinitely. We paid for a service we did not receive, as we never got the opportunity to use our vouchers. We have attempted to contact XXXX XXXX multiple times, but the phone number is disconnected leaving us no way to get our money back. Also, their website is currently down and not operational.

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 2018-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 submitting this complaint about XXXX credit reporting agency. There are 3 items on my credit report that do not belong on there. The XXXX account ( I am uploading a letter as proof that fraud was done on this account ) and it was to be deleted. XXXX  XXXX XXXX account does not belong reporting either. I have submitted numerous disputes with them but the situation is never rectified. My credit score is lower than it should be because of these accounts that shouldnt be on there.

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 2018-05-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I took advantage of a 0 % interest balance transfer offer and transferred {$8000.00} onto my credit card. At the time, my credit card balance ( on " purchases '' ) was {$300.00}. In XX/XX/XXXX and XX/XX/XXXX, my monthly payments were large enough to payoff all purchases made in those months and little if any interest was charged to me. Typically, I use this and other credit cards judiciously by paying off purchase balances each month to minimize interest charges. 
In XXXX, we made multiple pre-purchases for an upcoming trip to XXXX using this card because one of it's benefits is no foreign transaction fees. ( The card has a $ XXXX/year fee. ) To minimize interest on these purchases, I made multiple online payments within days of the purchase transactions to Chase. 
Herein lies the problem. Payments are supposed to be applied to monthly minimum due first, next against the balances with the highest interest rates, and then to balances with lower rates. On my XX/XX/XXXX statement, this did not happen. The large payments I made were first applied to a small minimum due and then applied to my balance transfer balance ( 0 % interest rate ) and not against the purchase balance ( 23.74 % interest rate ). I was billed interest on over {$4000.00} I purchases even though I made payments to cover the purchases. it appears the same thing will happen until the balance transfer amount is paid off. 
This is blatantly unfair and I question the legality of what appears to be a bait and switch practice. Essentially, because I took advantage of the balance transfer offer, I can not apply payments against the higher interest purchases balance without first paying off the balance transfer amount, far ahead of the end date stipulated in the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, 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 information incorrect

Complaint:
There's been information being reported on my credit report without my consent by Equifax. There's been a breach in their system and I was affected by it. My information was leaked to the public. I tried to resolve this issue with Equifax which they refuse to assist me with furnishing my information without my consent, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
FCRA Violations XXXX XXXX  XXXX # XXXX Kelen v. Nordstrom, Inc. 
United States District Court, S.D. New York. 
XX/XX/XXXX 259 F. Supp. 3d 75 ( S.D.N.Y. 2016 ) On XX/XX/XXXX, XXXX opened an in-store credit account with XXXX. XXXX XXXX  XXXX. XXXX claims XXXX made unlawful disclosures to her with respect to the fees for ( 1 ) payments returned by the consumer 's financial institution, and ( 2 ) late payments. The Court describes, in turn, the bases for these two claims. 
1. Failure to Properly Disclose the Fees for Returned Payments XXXX 's account-opening disclosure contained a table summarizing key account terms ( the " Schumer Box '' ) and a more detailed explanation of the account terms ( the " Cardholder Agreement '' ). Id. 13 ; see Dkt. 24 ( " Def. Br. '' ) at 9. The Schumer Box disclosed that the fee for " Returned Payments '' was " {$25.00}. '' SAC 14.  The Cardholder Agreement also disclosed that the fee for payments returned by the consumer 's financial institution was {$25.00}. Id. 15. 
XXXX {$18000.00} report lates in August 2019, not accurate reported to the company, still on my credit bureau. Please remove, thank you. 
Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USA Juan Aguiar et al v. BBVA USA et al ( 2:20-cv-02156 ) Courts > California Central District Court Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act Parties Matched : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank of Amer Koorndyk v. Bank of America , N.A. et al ( 2:17-cv-00903 ) Courts > Nevada District Court Filed : XX/XX/XXXX Judge : XXXX XXXX XXXX XXXX XXXX Nature of Suit : Other Statutes - Consumer Credit Cause : XXXX Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX 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 2020-07-01
Company: Performant Financial Corporation
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I received a letter from Premiere Credit regarding a notice to collect on a debt. I researched this debt and determined the amount owed, {$350.00} was exactly the amount previously forgiven by XXXX. Back in XXXX of XXXX, I received a notice to collect on debt from XXXX. The letter stated that the the amount owed of {$440.00} would be satisfied if I paid 20 % of the balance. On XX/XX/XXXX I paid with a debit card over the phone to XXXX the amount of {$88.00}. On XX/XX/XXXX a letter was issued to me by XXXX that this account was now settled in full. 

I relayed this information to Premiere Credit over the phone, and I was instructed to send any and all documents to them via email. I provided them with the original letter from XXXX, the settlement letter from XXXX, and a copy of my bank statement that shows the payment cleared. 

On XX/XX/XXXX I received a letter from Premiere Credit again asking for me to pay my debt of {$350.00} with copies of the statement from the original creditor ; XXXX XXXX, and 3 Bill of Sale documents labeled as Exhibit 2, Exhibit 2a and another Exhibit 2a. I feel as if they did not review the information/documents I provided to them, and are still attempting to collect on debt already settled by using legal documents to intimidate me into paying what has already been settled and paid in full.

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 2020-07-29
Company: Navient Solutions, LLC.
State: VA
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:
As of today, Navient is continuing to report on my XXXX  credit report 3 student loans that were included in chapter XXXX bankruptcy in XXXX  as having balances and in charge off status ( the other bureaus have deleted or corrected this info ). I have notified Navient and they have closed out my disputes as duplicates in error without addressing the issue related to my bankruptcy filing in XXXX. The issue that I reported previously regarding these loans was in regard to the original delinquency dates, which is another matter. Regardless of the original delinquency date dispute, these loans were included in bankruptcy on XX/XX/2019 and discharged on XX/XX/2019 & Navient was obligated at that time to report a XXXX balance on all of the loans they held at that time and stop reporting charge offs. Not only did they fail to do so, but I have now notified them a total of 5 times in writing that they have ignored. I need this immediately fixed on my credit or I will file suit within the next 14 days. These are old accounts that should not be reporting any activity since the bankruptcy. 

I do not agree that I owe this debt and nothing in this correspondence is an acknowledgement of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, INC.
State: GA
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:
I sent a letter to XXXX, equifax, and XXXX  about incorrect personal information on my credit report XX/XX/2020 and i still havent recieved a response and by law u have 30 days or it is to be deleted and its been well over 60 days

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: CT
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:
XXXX XXXX Bank has allowed multiple credit cards to be opened in my name. I have reported this to them, only to have the same issue repeat. They have also allowed someone to access the account, change the address and online access, without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: EQUIFAX, INC.
State: IL
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Citi bank credit card And received a reply that they could not verify my address when I fact the address is recognized by the Fed govt,  Social Security, XXXX XXXX XXXX, state of Ga, my 3 credit card companies and My personal bank they asked for copy Of drivers license then then they wanted Proof that phone # was mine which I Provided then after all of this I wrote Them and they finally came back with The excuses that I did not have enough Open lines of credit ( even though the Lines I had open all reported perfect Payment history ) the lines of credit Were not old enough and horrors upon Horrors I had applied for someone Elses credit card To sum it up every time I met their re- qirements they came up with another Excuse A shabby way to treat a potential Customer and most unprofessional

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 2020-10-14
Company: Continental Finance Company, LLC
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have contacted Continental Finance/XXXXXXXX XXXX XXXX XXXX several time to try and settle my debt with them but they will not respond to any of the letters that I have sent to them.

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