BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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:
The Credit bureaus started my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal they also violated my rights under 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 Also the credit bureaus took more than 30 days to complete my investigation

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 2022-06-16
Company: P.S.C., Inc
State: WA
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. 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. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to the data breach at Experian I decided to put a freeze on XXXX XXXX, XXXX on my credit to help prevent issues. However, of the XXXX credit agencies, Experian made me pay a {$10.00} fee to do this that the other XXXX did not. I feel this is wrong since they were responsible for data breach and now asking for us to pay to protect ourselves??? I think you need to get them to refund these payments since they did not adequately protect consumers information. Thanks, 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 2022-01-15
Company: Bread Financial Holdings, Inc.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Logged into Comenity Bank 's online profile on XX/XX/XXXX to request payoff of balance on educational loan. System generated the payoff with the good through date. I did not take a photo of the screen when the data loaded because I had already received the email notifications of me adding in my bank account, submitting the payoff payment. The account was fully credited on XX/XX/XXXX with the payoff in full payment. Balance updated to {$0.00}. New finance charges were charged on XX/XX/XXXX which were after the paid in full payment and zero balance and billing statement closed date. It is beyond extremely difficult to get a representative on the phone, much less one that can truly understand and communicate effectively. They do not listen to what you are asking of them. I have recorded conversations of my calls with proof of a representative laughing at me when asked for them to credit their fraudulent charges and transfer me to a Supervisor. This company engages in underhanded and deceptive tactics with consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Investigation results says item deleted from report and it's still showing on my credit report. I am a nurse and if this item is not removed like TransUnion stated, I could lose my job. Included proof.

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 2017-06-29
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have reached out to XXXX XXXX several times to understand the calculation that created my monthly payment. I have completed several calculations myself to understand where my monthly payment comes from, as well as checked my math with professionals. No one is able to determine the same monthly payment that XXXX provided me for my XXXX loan. XXXX XXXX will only provide loan document information and an amortization plan to me, without explaining how my monthly payment came to be. I feel as though my loan is being charged incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
My open XXXX XXXX XXXX XXXX was removed from my credit report. XXXX told me it was because the lender ( XXXX XXXXXXXX XXXX ) told them to do so. I called both parties who blamed one and other and told me there wasnt anything I could do. My account is sure to and paid with a XXXX $ availability. Therefore inaccurate information is being reported. Im not receiving proper information and its directly affecting my credit which I find very unfair! Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX and Equifax continually letting companies report on my credit report after being removed because of the Fair Credit Act Law that requires any items that are XXXX yrs or older to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: AMERICAN EXPRESS COMPANY
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I purchased XXXX American Express blue bird cards to pay my mortgage the company that contacted me had all the information my house company had and I believed it was my mortgage company and come to find out it was a fraudulent company that had got my companies information. I went and got the cards to pay my mortgage and told me to pay it using the cards so we did. Then the real mortgage company called me and told us they hadnt received our payment. So I called the fake company back with my real mortgage company on the call with us and he listened in asking for information on who they were on a recorded line and they would not give him any answers and hung up and now we are out {$830.00}, {$410.00} on each card because this company scammed us. We called the number on the back of the card gave them the information all over again sent everything they needed in an email and they are giving me the run around hanging up on me when trying to get a case number. I believe the company that pretended to be my mortgage company has connected to the phone numbers on the back of the bluebird cards and are just trying to get people information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have never been late on the following accounts. Mark the following accounts as paid as agreed or delete the account. After I had a chance to review 15 USC 1681a ( 2 ) ( i ) I noticed transactions and experiences should not be on my consumer report at all. That means late payments should not be on my consumer report either way. XXXX the following accounts as PAID AS AGREED or Delete from my consumer report. : DEPARTMENT OF EDXXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # 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 2022-06-16
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 made a special order through XXXX XXXX XX/XX/2021, after about two months I received a statement from my credit card company. I called the bank right away as I had been charged without any items being given to me. The bank opened a claim, they denied the claim due to the fact that they contacted the store and the same manager that charged my card in full instead of putting a hold on the card like the procedure for special order is. Instead I was charged in full and even though its been a year and i informed the bank, filed a police report, went to the store to try and get a return, spoke to corporate, sent proof of texts messages between me and the manager showing I did not have the item the bank has failed to fix the issue. They continue to report this to the credit bureaus and after over a year have no resolution, I have done my part and made countless attempts at fixing this and providing them with the information showing that I do not have the items, they are aware the manager who charged my card was fired from the company because of this same fraud to other customers yet they fail to fix my issue and continue to affect my finances tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Hello, I am writing to dispute the following information reporting on my credit reports. This item is with XXXX XXXX. The information reporting is inaccurate because I am no longer responsible for this debt. The vehicle was sold by XXXX XXXX through XXXX XXXX XXXX XXXX : ( XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Oh. XXXX XXXX on XXXX/XXXX/XXXX ; After being told that I could recover the vehicle by XXXX XXXX ( XXXX XXXX. Representative ). I sent in all of the required documents to XXXX by the due dates, and on my way to recover the vehicle, I learned that the vehicle was sold before our agreement. Since then I have contacted XXXX XXXX several times to find out how much the vehicle was sold for and to see if there was a remaining balance ; The company has n't contacted me with any information. 

I have disputed this information with all three credit bureaus and still there has n't been a proper resolution. I will attach copies of the correspondence between XXXX XXXX and I, supporting my position. Please investigate this matter as soon as possible. 

Please see the notes attached on each document. 

Thanks, 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 2022-06-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received a statement from BMO Harris Bank. I immediately called them and ensured BMO Bank that I never opened an account with them and never heard of BMO Bank until then. I asked to deactivate the account and ensured them that this was a case of identity theft and a fraud. 

On XX/XX/XXXX I received a letter from the debt collector XXXX XXXX XXXX XXXX, wanting to collect {$74.00} on behalf of BMO Harris Bank.

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 2017-09-11
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
I was affected by the recent Equifax hack. My personal information, including my Social Security number, address, full legal name, and driver 's license number was or may have been stolen. 

I checked through the site recommended by Equifax ( equifaxsecurity2017.com ) and was informed that I was affected by the hack. 

I was informed of this hack through traditional media outlets on XXXX XXXX 2017, months after Equifax knew the hack had occurred. Equifax kept this information from the public for as long as possible, and unknown amounts of damage may have occurred as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: Navient Solutions, LLC.
State: MS
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I set up a payment plan for my private loans through Navient / Department of Education. They have not processed any of them correctly from my bank account. OnXX/XX/XXXX they contacted my mother ( also my power of attorney ) to get a payment of {$18.00} with a ONE TIME AUTHORIZATION for that account.
For XX/XX/XXXX andXX/XX/XXXX Navient messed up the payments from my bank account resulting in me having to use my debit card for those payments. On XX/XX/XXXX they attempted to gain access to my previous account that they only had permission to use that one time to get a payment of {$150.00} Currently they are lying to me and harassing me because of their mistake and breaching their own one time authorization agreement. My mother is not also my POA she also runs one of the branches that my previous bank has in Pennsylvania. They are now also calling my mother a liar saying that I gave them permission to use a bank account that I had instructed closed months ago and had no information for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: ALLY FINANCIAL 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: Information belongs to someone else

Complaint:
Hard pull credit without permission

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
equifax : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX Also known as XXXX, XXXX XXXX, XXXX Remove the above names experian : XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, TX, XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX XXXX XXXX  XXXX XXXX {$1500.00} Balance updated XX/XX/XXXX 6 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms XXXX/XXXX  {$5600.00} Balance updated XX/XX/XXXX 2 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$5600.00} {$3500.00} Payment Info Status Past due 90 days Status date XX/XX/XXXX Past due amount {$150.00} Original loan amount {$3500.00} Monthly payment {$49.00} Late payments XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dec 2021 90 - - - - - - - - - - - XXXX - - - - XXXX XXXX XXXX - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - - - - - XXXX - - - - - - - - On Time 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 300 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX/XXXX  {$6300.00} Balance updated XX/XX/XXXX 2 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6300.00} {$3700.00} Payment Info Status Past due 90 days Status date XX/XX/XXXX Past due amount {$170.00} Original loan amount {$3700.00} Monthly payment {$55.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I purchased XXXX money orders from western union in the amount of {$500.00} each totaling {$2500.00} which was slated for XXXX money to purchase a home. I decided not to purchase the home and the XXXX money was refunded. However the place I purchased them, XXXX, stated they do not offer refunds. I contacted my bank, XXXX XXXX, to see if I could re-deposit them into my account and they said no. Both told me to contact western union directly. 

On XX/XX/2021 I put in a request for all XXXX money order refunds : XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

XXXX case number is XXXX. 

The verbiage stated I would be assessed {$15.00} each due to requesting a refund. I was told by customer service agent in the refunds department it would be XXXX business days before I received the refund by postal mail. 

Its been XXXX business days excluding holidays, and I have not received a refund. I chatted with customer service and they were of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS ACCOUNT WAS REPORTED FRAUD XX/XX/2018 AND WAS CLOSED, ANOTHER ACCOUNT WAS REOPENED. THIS ACCOUNT WAS REPORTED FRAUD AND SHOULD NOT REPORT ON CREDIT REPORT. XX/XX/XXXX I HAVE SPOKEN WITH XXXX AT XXXX AND XXXX HAVE INFORMED ME THE ACCOUNT SHOULD HAVE BEEN REMOVED MY CREDIT REPORT AGENCY AND SHOULD NOT HAVE APPEARED. XXXX HAVE INFORMED ME SHE WOULD NOTIFY ALL BUREAUS TO HAVE ACCOUNT REMOVED.

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX Account # 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 This is for the following accounts : XXXX XXXX XXXX XXXX XXXX - - - Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Installment Account Loan Type TIMESHARE LOAN Date Updated XX/XX/XXXX Payment Received {$15000.00} Last Payment Made XX/XX/XXXX Pay Status Paid, Closed ; was Paid as agreed Terms {$0.00} per month, paid Monthly for 120 months Date Closed 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 non-monetary relief
Consumer complaint received 2022-01-15
Company: Experian Information Solutions Inc.
State: CA
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:
cfpb i have made an online dispute with this company and pursuant to 18 USC 8 i owe no debt. the company is violating my consumer right to privacy pursuant to15 USC 1681b ( 2 ). company also has NO PERMISSION to report ANYTHING using my info pursuant to 15 USC 1681 ( 4 )

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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
cfpb i have made an online dispute with this company and pursuant to 18 USC 8 i owe no debt. the company is violating my consumer right to privacy pursuant to15 USC 1681b ( XXXX ). company also has NO PERMISSION to report ANYTHING using my info pursuant to 15 USC 1681 ( 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