BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-06
Company: Experian Information Solutions Inc.
State: ND
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have about six accounts that were charged off in late XXXX, early XXXX. These accounts were closed and sent to collections and debt collection law firms. In XXXX, XXXX, I settled and paid all of these accounts. My credit payment history for the last year and a half has been perfect. 

While trying to apply for a mortgage to secure housing for me and my family, a tri-merge credit report from XXXX XXXX was obtained. Those six accounts which all have the status of " closed '', in fact two years ago, are showing current reporting status of " late payments ''. There was not an option to pay the creditor directly, as I was working with the debt collectors. 

However, I created credit monitoring accounts with XXXX, Experian and XXXX to monitor the progress of my credit finally being cleared up. 

On each of my personal accounts with those three reporting agencies, it does not show the late payments, in particular in the 12 months. It does show they were closed and listed as collections. So, how can there be this difference between the tri-merge report from XXXX XXXX and the viewing of my credit reports from these three agencies. A credit report monitoring account has cost me money.

I have denied a mortgage loan, because it is a federally guaranteed loan ( Section 184 for Native Americans ), the guidelines are strict, I know how it works, I work for XXXX XXXX XXXX XXXX XXXX XXXX myself. 

How can the reports differ? How can I get this cleared up? In my opinion, reporting late on closed accounts that were sent to collections years ago is punitive. 

What to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EdFinancial Services
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, My loan servicer is EDFinancial. I applied for the SAVE program first on XX/XX/2023. I was denied by my servicer because they needed tax information? I uploaded my information and submitted a new application on XX/XX/2023. In the Federal Student Aid website it tracks the progress of my application. According to the website my application review was completed by EDFinancial on XX/XX/2023. It says that my loan servicer will reach out to me regarding my application. They never did. I went into my account and there is no information regarding my application. Now I am late on my first payment because they never updated the information about my application. I tried calling three times and each time the wait was over 9 hours to speak to someone. I opted for a call back and they never did. I also reached out via their chat system and it said I had to speak to a representative. I sent an email to them as well and they haven't responded. I do not want my account to have a negative track record because of their lack of response. Others are struggling with this issue with this servicer as well. Please help! I need to know what to do.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX is showing inquiries on my report that are not minds and i did apply with those companys i talked to them about removeing them they keep saying they have to investigate it and its hurting my credit score i need the inquiries removed asap. 

thanks please help me with getting this ressovled inquirys are : 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 TRANSUNION XXXX NEEDS TO BE REMOVED THESE NEED TO BE REMOVED ASAP : XXXX XXXX XXXX XXXX DATES XXXX XXXX XXXX XXXXXXXX REPORTED DATES XXXX XXXX XXXX XXXX REPORTED DATE

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 2023-10-09
Company: EdFinancial Services
State: IL
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 have email proof stating that my first scheduled payment is estimated to start of XX/XX/XXXX alongside confirmations I got directly after signing up for reoccuring payments that the first payment would begin on XXXX XXXX. Now on their site, there is no record of this XX/XX/XXXX date, it only says the next payment will be processed on XXXX XXXX. It seems rather intentional to push back in order to force additional interest payments. This is seriously unprofessional

Company response to consumer: Untimely response
Consumer complaint received 2022-10-21
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
JP Morgan owners of Chase credit card and something called XXXX with XXXX bank were contacted in XXXX thru XXXX to remove and clear items posted by them on all my credit reports and public records. They claim I opened an XXXX XXXX Credit card account from Chase Bank and a XXXX gas rewards card through XXXX Bank started from and after XXXX and XXXX. 

I reported these as fraudulent as I do not have any association to neither institutions and have not applied for a chase bank card when I was in College in XXXX and it was denied due to no credit history and my XXXX background as an XXXX XXXX. 

Since this year and the past I have seen these two companys claim I have a debt with them. Destroying my credit rating and constantly having third party companies call my phone number from XXXX to XXXX monday through saturday. I have reported these to the credit burues. They sent a reply back to them stating they have proof it was done by me but have not show it at all. I have filed Identity Theft since XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 2023-12-17
Company: EQUIFAX, INC.
State: PA
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:
You, Equifax is in violation 1- My previous dispute did not ask you for accuracy or validation. 
2- You reported alleged transactions as Late on different accounts, which are inaccurate on my report. 
3- You failed to provide proof from creditors providing a 21 days notice before due dates Accounts ( A ) 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  PLEASE READ ATTACHED LETTER WITH LAWS AND REMOVE THE LATE PAYMENTS ON MY CONSUMER REPORT

Company response to consumer: In progress
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Experian, XXXX and XXXX Credit Bureau is reporting inaccurate information on the following accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-03
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
The XXXX of XXXX my XXXX loans/ grants refund was credited to my chime account. I was arrested at XXXX and did not get out of jail until XX/XX/2023, at XXXX. When I checked my account, the following transactions had been made XXXX at XXXX Transfer {$340.00} to XXXX XXXX XXXX XXXX XXXX XXXX Transfer to XXXX XXXX XXXX {$140.00}. XXXX at XXXX Transfer to XXXX XXXX XXXX {$500.00}. XXXX at XXXX {$200.00}. XXXX Transfer to XXXX XXXX XXXX {$100.00} I filed a dispute on the XXXX of XXXX and was denied the next day with no explanation. Filed a rebuttal the XXXX of XXXX and again was denied without explanation. Then again on the XXXX filed for the dispute to be reopened and every time asked for information detailing the reasons for denning my claim considering I can see exactly where an unrecognized device logged into my account and made these transfers to their account without any authorization from me or knowledge to me of any kind until I was released from jail and found my account empty. These were federal loans or grants from my college refund, my housing money for the next XXXX months. I have talked to the police and need paperwork from chime to file police report that they will not provide or help me with at all. They keep denying my claim without reasoning when all the evidence is visiable from my account clearly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: SC
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: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX  Date of Inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-07-29
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Why the XXXX is the US bank branch in my town closed during the week? My husband went today on his way to work to get money out of the ATM and the ATM was not on. Went to go into the bank and sign said branch is temporarily closed. XXXX!! This is constantly the case at this branch. Called US bank customer service and they know nothing about it. Was surprised that the branch was closed. When we cant access our own money, this is a serious problem. I will not stand for it. I also called corporate ( US Bank ) and apparently no one is working there either because no one answered the phone. If US Bank doesnt give a XXXX about there customers, then we will go somewhere else. Not only that, the hours that they are open XXXX! They close at XXXX and they arent even open on XXXX anymore. XXXX  XXXX XXXX  has branches that are open till XXXX XXXX. US Bank, I suggest you start paying attention to what your branches are doing, or rather, not doing. And I dont want to hear the excuse that theyre closed because of Covid. Thats 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 2023-12-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 INFORMATION HAS BEEN DISPUTED SEVERAL TIMES AND I AM TRYING TO GET THE ITEMS REMOVED OFF MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Take a look at the attached documents. I urge the bureau to start an investigation into these accounts as they are reporting me as late, despite my timely payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Signed up in branch with a banker regarding a business promotion offered in branch. 

Deposited {$25000.00} within 60 days of opening the account and kept the money in the account for 90 days as that is what the promotion stated. 

It is now XXXX  months since opening the account and I have yet to receive my promotional bonus. I have reached out to the banker but received no response. My account was locked accidentally by CItibank and had to go in-branch to meet with a banker for XXXX hours to get it unlocked which the banker stated my bonus was indeed attached in XXXX. However, i am still unable to access my account as of today and they are telling me I need to go in-branch again.

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 2023-11-10
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove 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 non-monetary relief
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity has been stolen, and as a result, accounts have been opened in my name. I want to report this to clear my name. I kindly request the CFPB 's assistance in investigating and resolving the inaccuracies in my report resulting from identity theft. 
A copy of FTC report is attach to support my claim.

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identity theft!!! Proper documentation was sent to ( Transunion, XXXX, XXXX ) about these fraudulent accounts and transactions made over a year and a half ago. PoliceReports of identity theft, Identity theft affidavit, complaints of fraud and identity theft through cfpb, fcra, XXXX.These accounts are still reporting after validated documents was sent to all involved institutions. I would like information of how I go about starting an class action lawsuit against these deceptive practices from these credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation