BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: CITIBANK, N.A.
State: WI
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:
On XX/XX/XXXX I ordered a XXXX XXXX '' grddle advertised on XXXX through Wayfair  for XXXX. Upon receiving my receipt I could tell this wasn't from Wayfair and didn't look right. 
There was a button on the receipt asking me to add my paypal account login info. I immediately tried to cancel to no avail. I then contacted Citi and instructed my card be cancelled due to a fraudulent transaction. Citi complied. I never received the griddle. They started an investigation which concluded on XX/XX/XXXX finding that because I ordered the griddle,, I was responsible fro the payment and charged my card. I immediately contacted CITI who said it shouldn't have been filed as a fraudulent transaction but rather a purchase dispute. They said they would proceed as such. On XX/XX/XXXX I recieved a letter that the investigation is close, there was no reimbursement. When I inquired, i was told because it was initially filed as a fraud complaint it couls not be re-opened. i have substantial screenshots showing this was a scam seller, screenshots of communications that I could never offer Citi. There guarantee of purchase protection is falsely promised. I am hoping CFPB can help me sunset this matter in a just manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: MOHELA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have two direct, federal loans that are serviced by Mohela. They were transferred to Mohela from XXXX in XXXX of XXXX because I am eligible for the XXXX XXXX XXXX XXXX XXXX. 

I have been a public servant since XXXX when the program started. Mohela has record of all of my employment, certified from eligible employers dating back to XXXX which they have accepted and approved. 

When my loans transferred to Mohela from XXXX, I was told to wait for Mohela to apply the PSLF waiver to my account and my updated payment counts would reflect starting in XX/XX/XXXX. In XXXX, Mohela notified me that I had 80 eligible payments. They show missing eligible payments from XXXX XX/XX/XXXX and from XXXX. 

Mohela has record of my eligible employment during the time they have these gaps in my eligible payments ( in total 37 payments ). 

I have called Mohela multiple times, and no one can sort out why those payments are missing. Mohela verify that they have eligible employment on record and state they " missed '' the payments. In XX/XX/XXXX they told me to call again in XXXX, in XXXX they said to call in XX/XX/XXXX, and in XXXX they asked me to call in XX/XX/XXXX. 

Today ( XXXX XXXX ) I called and spent another hour with Mohela on the phone trying to sort this out. A supervisor told me that the reason those payment don't count is that I was in in-school deferment in XXXX and during the 26 months of COVID. However, I was NOT in school. I did not receive in school deferment during that period, and Mohela has record of my eligible, full-time employment to cover those periods. 

Mohela told me today they have no idea what to do next. They said I just need to wait until it is sorted out - however, I have been waiting 8 MONTHS at this point. With those 37 payments, I am OVER the 120 payment count and should be sent to discharge to the department of education. 

No one knows what steps to take and I have been waiting now for close to a YEAR to sort this out. Mohela doesn't know what to do, I have submitted verification of my employment that has been approved, and I have no direction how to fix this. 

PLEASE, please, please fix this. This situation has me sitting in a financial limbo that is highly stressful. I need CFPB to connect with Mohela, have my employment verified ( even though it already IS ), and have my payment count updated and sent to discharge ASAP. 

I look forward to hearing from you to have this fixed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There is information on my credit report that I need to change. I have tried to contact Experion but the automated system will not allow me to talk to a live person. I have tried different numbers recommended by other websites, but the system still refused to allow contact with a real person.

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 2023-05-24
Company: Carvana Group, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I tried to purchase and trade in a car through Carvana. After submitting my title, they requested " trade verification '' that the title was listed in a business entities name. Clearly, title had been transferred to my person in XXXX of XXXX on the title. I called on XX/XX/XXXX to get further clarification. The representative agreed that the title clearly showed transfer to my ownership and said they would cancel the request for additional information. On XX/XX/XXXX, less than 24 business hours after initiating the transaction, Carvana canceled and claimed to refund everything but the " non-refundable '' {$1900.00} shipping fee. After calling them again, they stated that they needed free and clear title, when I pointed out the language on the title certifying that " this title is free and clear of all liens '' they volunteered to refund XXXX to my bank account via ACH. It was an acceptable outcome. 

On XX/XX/XXXX I checked my bank account and saw that the money had posted to Carvana out of my account. When I called again on XX/XX/XXXX they stated they would not be refunding the {$1900.00} because it was " non-refundable '' and that I had agreed in the contract to pay the fee regardless of the reason for cancellation. When asked if they would review the recorded calls, they stated they only review calls under court order. When asked for a copy of the contract, Carvana sent me a mailing address for their legal department and stated that they delete all contracts if the transaction is cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}.

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 non-monetary relief
Consumer complaint received 2023-05-27
Company: EQUIFAX, INC.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: IN
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:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX  XXXX have 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 an account without my written instructions.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I reviewed my consumer file and there are several collections on my file that I have no knowledge to why they are reporting on my consumer file. This is Identity theft and I would like them removed immediately.

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 2023-03-04
Company: Experian Information Solutions Inc.
State: IN
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-02-07
Company: Experian Information Solutions Inc.
State: MI
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 DISPUTED FRAUD INQUIRIES WITH XXXX, EXPERIAN AND XXXX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXXXXXX XXXX, 2022, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXXXXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022

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 2023-02-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several disputes trying to resolve this inaccurate information on my credit report. The most recent dispute was XX/XX/2023. The original amount of this account was {$3500.00} and Original Creditor is 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 2022-12-20
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Bread Financial Holdings, Inc.
State: CT
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:
On XX/XX/XXXX I purchased XXXX ( XXXX ) chairs from XXXX, XXXX, & XXXX on their website and had them shipped to my home. I received all three ( XXXX ) chairs damaged. XXXX, XXXX & XXXX received all three ( XXXX ) returned chairs and I never received a credit for the chairs. I disputed with Comenity Bank, the issuer of the XXXX XXXX & XXXX credit card. Comenity Bank has consistently violated my consumer and banking rights under the Gair Credit Billing Act by assessing my account late fees, interest, and reporting me late to the credit bureaus while the entire amount was under dispute. On XX/XX/XXXX there was a fraudulent charge posted to my XXXX XXXX & XXXX credit card and while under dispute Comenity Bank has again demonstrated a violation of my consumer and banking rights under the Fair Credit Billing Act by assessing late fees, interest and reporting me late to the major credit bureaus with this fraud charge. I have made numerous attempts to resolve the matter with Comenity Bank but the bank is doing whatever they want to my account and does not care they are in violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).

A dispute was submitted on XXXX XXXX XXXX to XXXX  and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-05-24
Company: National Credit Systems,Inc.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
A XXXX late payment was occurred on a XXXX Credit Card Account during the COVID-19 pandemic, as I never received a statement or phone call alerting me of the past due balance. Immediately upon receiving an alert from my credit monitoring, the account was paid in full. It still reports negatively on my account. The credit bureaus have not removed it.

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