BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-20
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: Old information reappears or never goes away

Complaint:
Dear : Consumer Financial Protection Bureau. 


I have been trying tirelessly to remove an old previous address which I no longer reside and have not been for a very long time. I am scared that my identity is lingering around to addresses that I no longer reside which can open up for me a possibility of identity theft with my information out there. I am currently still receiving correspondence from lenders to the address that I no longer reside and have access to. Experian would not remove this address and this opens up an opportunity for identity theft. However when calling Experian they are willing to put up a battle and not willing to comply with removing that address from my credit file as some lenders using that address which I no longer have connections or tied to any longer. 

I have tried to countless times to have Experian remove this information and no success. I was able to remove that address from XXXX however for Experian this isn't the case. Per the Fair Credit Reporting Act I have every legal right to dispute addresses that are inaccurate and does not reflect accurate and current reporting to my credit profile. I am asking for your help in providing a fair and transparent review on my credit file. 


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 2022-04-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XXXX XXXX, 2021, I called and inquired about my replacement card because the current one is set to expire in XX/XX/2021. Shockingly, I was informed that my account was closed. When I asked why my account had been closed, the agent said they sent a letter in XX/XX/2021. I explained I had not received any letters through the mail. When I asked to speak to a supervisor to explain why my account was closed, the supervisor said a letter was sent electronically. I explained to him I was online looking at my account, and there were no emails and no notifications about an account closure. When I asked for an explanation as to why the account was closed and going through their verification process, the supervisors stated the account was closed because Citibank decided to close it - with no other explanation. 
Additionally, this account has auto-charges attached to it. For the last XXXX  months, they have continued to allow charges and have received payments- all without notifying me that the account had been closed. This unexplained decision by Citibank not only has caused a great inconvenience for me as a consumer, but it will also show up as a detrimental mark on my credit report. This practice is unacceptable customer service.

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 2021-11-20
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: Was not notified of investigation status or results

Complaint:
Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: Experian Information Solutions 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:
These accounts are inaccurate and do not belong to me, please block and remove per XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I currently submitted a complaint through the CFPB regarding  Navient  and how they are not willing to lower my monthly student loan payments. I was paying about $  XXXX  month and I only make $  XXXX . A couple of weeks ago, I was able to get them to drop {$90.00} off my monthly payment, but that was all they were willing to do. I submitted a complaint and their response was " you  may be eli gible for lower monthly payments ''. I spoke to them today and they told me I was not eligible for lower payments, but would transfer me to their collections department to figure something out. I was transferred, gave my social security #, and the lady transferred me back to another representative. Again, I was told that I am not eligible for lower payments. I explained that I am going through some financial hardship because I do not make enough money annually. I also explained that I had to purchase another vehicle, which I now have monthly payments ( the vehicle turned out to be  a Lemon and ne eds work done to it ). The representative told me she would transfer me back to the collections department to see if we can work something out. However, she asked me if my co-signer would make the payments. I told her that he was unable and I want to pay off the student loan debt. She then mentioned that I co uld apply for a forbearance for three of  my loans, which will drop the payments. Since my back is against the wall and they have not been willing to work with me about lowering my monthly payments, I agreed to the forbe arance and paid {$150.00}. The issue with this is now I will have more interest built up ( paid about {$6000.00} in interest last year even after making full payments every month ) just to be able to make ends meet for three months. I am not happy with this outcome because I would rather make lower payments opposed to having more interest built on. I am also not happy that I was transferred to three different people once I mentioned anything about lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S. Code 1605 - Determination of finance charge

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: Experian Information Solutions Inc.
State: WI
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 gave Authorization to Experian by a signed notarized consent for CFPB to investigate my complaint. Authorization was mailed in and called in. I also attached a copy of my authorization with my complaint. 

I XXXX XXXX have contacted Experian and XXXX XXXX now for over an year to delete the following account and it has been refused to be deleted. I mailed a dispute for this same account more than XXXX times. I have submitted XXXX Affidavits. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. For the following Identity theft Account. XXXX was also notified. XXXX unable to apply for a XXXX card due to this fraudulent account. 

XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/2019 This is not mine. I am a victim of ID Theft

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 2022-04-27
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
My wallet was stolen in XXXX. I believe it was the caretaker. Citibank claims that my caretaker was an authorized user on my credit card. I sent them paper work stating that he was removed. The caretaker got a cash advance deposited in his account. I recived a text message from citibank and immediately stated it was fraud. They stated they would stop the transaction but did not. This happened in XX/XX/XXXX. The caretaker left in XX/XX/XXXX. I called and made a police report. Due to my state of mind at the time, I did not respond to the police to my best ability. The credit card company sent this case to a collection agency. I have not seen the caretaker and I a fearful of his actions now. I thought he could be trusted because of his position as a XXXX police Officer but I was wrong. When I call the police, they would tell me its a civil matter. He just recently is using my address to get mail in which I informed the post office that he does not live here. I believe this is financial abuse..

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 2018-03-13
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo has not responded any further in regards to the investigation as to why they are still reporting a debt on my credit report that's more than 7 years old.

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 2017-04-25
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On my most recent credit report, dated  XXXX , AES has reported 30,60, and 120 day late payments for loan sequences   XXXX   XXXX   XXXX   XXXX   from  XXXX  and  XXXX  to all   XXXX   credit bureaus (E  XXXX   XXXX   XXXX   XXXX  ) as shown below:

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )

 XXXX : Late 60 days 1 time (  XXXX   XXXX  )
                    Late 90+ days 1 time (  XXXX   XXXX  )
                    
 XXXX : Late 60 days 3 times () < No date listed
                Late 90+ days 6 times (  XXXX   XXXX  )

I have attached copies of the information I am using to complete this complaint. 

As far as my complaint goes, not only are these accounts being reported differently across all three credit bureaus, my main concern lies in the fact that AES changed its policy as far as "backdating" forbearances in  XXXX . What this change allowed was any approved forbearances to be backdated to cover and remove any late payments as well as remove those late payments from the consumers credit report. 

So, because AES decided to change its policy in  XXXX  and not   XXXX  or  XXXX  , my record is tarnished but yet consumers in my exact situation with forbearances approved after the new policy took effect in  XXXX  will have a clean record and it will look as if they were never late when in fact they were. I feel like this is unfair and I am seeking resolution with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The 5 accounts that do not belong to me and I have opened an Affidavit notarized it for Identity theft and opened A Federal Trade Comission Report as well as reached out to the bureaus and the furnishers with all these documents and still nothing I hear crickets. Is this fair to treat citizens in this manner I am a victim and I feel like I am being ignores these accounts were never opened or used by me why is it in my report and why are the bureaus letting this happen???????? 

Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX SVCS Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account

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 2018-03-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a checking account with USAA. In XXXX, 2017, I signed up for a internet service called XXXX XXXX XXXX XXXX. The service did not live up to it's claims so I cancelled it three weeks later. In XXXX USAA processed a payment for XXXX XXXX that I did not authorize. I told them this in multiple phone calls and I filed a fraud dispute against XXXX XXXX. Today USAA sent me an e-mail saying my fraud claim was denied and they were siding with the company and reversing my credit of {$130.00}. USAA sides with companies against consumers. I find it almost impossible to cancel payments or reverse payments that were not authorized with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
This letter is being written on behalf of XXXX XXXX XXXX fraud report Claim # XXXX. 

I am currently an account holder with XXXX XXXX XXXXXXXX Employment Development Department prepaid debit card. I have been receiving benefits from XXXX since the COVID 19 Pandemic began. 

On XX/XX/2021 I logged onto my account and realized {XXXX were suddenly removed from my account from various fraudulent charges throughout the country. These charges date back to XX/XX/2021 and over the course of the XXXX almost all of my money was gone leaving me with only pennies in my account. These charges include things such as XXXX XXXX, XXXX XXXX XXXX, XXXX, the UXXXX XXXX XXXX, just to name a few, obvious things that would not be purchased by me. These charges range anywhere from {XXXX to over {$XXXX}. 

I filed my first claim with XXXX XXXX XXXX on XX/XX/XXXX, the day I realized what had happened. I was provided provisional credits over the next few days. Those credits were completely removed XXXX days after the first claim was filed and this case was closed by XXXX XXXX XXXX  stating there was a lack of evidence of fraudulent activity. After I received the provisional credit I promptly transferred the funds into my personal bank account in fear that it would be stolen from me again. This resulted in XXXX XXXX XXXX putting a - {$XXXX} on my account stating that I owe this amount. 

I re-opened the claim on XX/XX/2021 with the same claim number and requested XXXX XXXX XXXX  send documentation providing evidence of a thorough investigation and how the decision was made to close the case. I did not hear anything else from XXXX XXXX XXXX 

On XX/XX/2021, I received another notice by XXXX XXXX XXXX  indicating that the claim was closed due to a lack of evidence, again. All of these letters are postmarked exactly XXXX  days after making phone calls to the fraud department to reopen the claim. All of these attempts were denied with no indication any further investigation was performed.

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 monetary relief
Consumer complaint received 2017-04-25
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
While checking my most recent Experian credit report, I noticed a credit inquiry that i did not authorize, made by the following company  XXXX  Date Filed   XXXX   Type All Banks - non specific Phone Number BYMAILONLY Address  XXXX   XXXX   XXXX   XXXX   XXXX  I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  Section 1681b (     c ) and a serious breach of my privacy rights.   Please validate this information with this company and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file that you maintain under my Social Security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-20
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation and all original documentation stating that I have a signed contract between this company PRO COLLECT of the alleged debt this company stated. I allegedly owe the sum of {$1000.00} and the 3 major credit bureaus ( XXXX, XXXX and XXXX ) on XX/XX/2021. I haven't received any of supporting documentation from these two company nor the credit bureaus. Supporting their claim over this alleged debt sent to me. XXXX respondent vie e-mail with their company results stating that they ( XXXX ) was able to verify the alleged with both collection agencies, but did not send me the supporting documentation on how they was able to verify this alleged debt. I received a statement from XXXX XXXX sent on XX/XX/2021 stating their company verify the debt without any supporting documentation being sent to me as requested in the letter I sent to their company no response from XXXX. Due to no receiving any documentation from none of these parties listed above. On XX/XX/2021. I sent 2nd request sign affidavit to retrieve documentation from the 3 credit bureaus and 2nd request signed affidavit certified mail with a return receipt to PRO COLLECT asking for all of the documentation supporting the alleged debt these company stating I allegedly owe to them. I received a response from XXXX vie email on XX/XX/2021 of their company investigation stating that they still verified the alleged debt as being accurate with the collection companies without send me any documentation supporting their method of verification of this alleged debt nor supporting documentation that I requested. No response from XXXX XXXX, XXXX XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Thank you for your time. I have been going back and forth with all XXXX credit bureaus Equifax, XXXX, and XXXX. Over the last couple years have sent endless letters. I have called to have my wrong information removed they still haven't removed the wrong names and addresses. They always send back information verified. So i ask for the validation of the information and I'm never given any real validation. I'm victim of the Equifax breech which has comprised my identity because someone has access to my personal information. I would like for all these accounts to be deleted off of my record. Below are all the accounts that need to be removed XXXX AND XXXX XXXX ACCT. # XXXX AMOUNT- XXXX XXXX XXXX # XXXX AMOUNT- XXXX XXXX XXXX XXXX ACCT. # XXXX AMOUNT - XXXX XXXX XXXX ACCT. # XXXX AMOUNT- XXXX Please take a careful look at these accounts and remove them please. Thank you for your time and patience.

Company response to consumer: Closed with explanation