BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The Consumer Financial Protection Bureau 's actions and response to my ongoing complaint, in regards to Case Number XXXX is deliberately confusing and false. You claimed both Experian and XXXX at XXXX, GA XXXX could not be found and my problem of having a fake debt on my credit report is not one known to you. False. In fact, Experian is a publicly traded company ( EXPN on the New York Stock Exchange ) that harvests and sells credit information globally. Additionally, Experian is one of XXXX credit bureaus whose complaints by others they have bullied, harmed, harassed and refused to respond to can be reviewed by consumers. Their violations of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act are in the thousands, and the Consumer Financial Protection Bureau has turned a blind eye to their abuses. 
Your denial of their abuse of power, abuse of the credit financial system and wanton disregard for all consumers including me is reprehensible. We know these companies are cheating and abusing customers with your consent, daily. We are very aware of this. We are also aware that your benign neglect and purposeful refusal to perform your fiduciary and lawful duties, by falsely claiming that you have no idea what Experian and XXXX are doing by placing false debts with no contracts, proof, evidence, validation ( either written or otherwise ) with your permission. The CFPB has failed and refused to force them to remove the fake debt from my credit report for more than 1 1/2 years. They are committing a fraud with your blessing and expressed permission, because the Consumer Financial Protection Bureau does not protect consumers. You have separate rules for companies and consumers, by stated today XX/XX/2016 in your email to this consumer, " ... we can not help you because we do n't have an address for these companies. '' Experian can be found on XXXX, XXXX, XXXX. 
Although we have no past due debts, it does not matter. Experian and XXXX have kept a false debt on my credit for years, and you condone it with your crooked policies. This helps no consumers, but it serves to protect companies like these two that act continuously in bad faith, steal consumers ' ability to do business and obtain loans, and continue to be a threat to every citizens ' life and livelihood. You do not look for problems facing consumers or enforce Federal Consumer financial laws. That is not what you do. You submit emails to protect predator companies like the two listed in this complaint, in the form of a scripted email that does not address a problem ( created on XXXX 2016 by a computer, not a human being ). Federal and state employees never work on XXXX and this attempt to ignore me, and cheat me further has been duly noted.

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 2016-05-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is a eviction notice in my record. I am placing a compliant about misinformation on my record that the eviction should have been removed. I have attached documents on the case where the records indicate that the case has been dismissed and should have never been in my record. Please contact me as soon as possible. I 'm in the middle of relocating to a new home however this issue is with holding me from proceeding.

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 2015-10-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I purchased XXXX iPhone 6plus in full payment of {$940.00}. They are charging me an extra {$530.00} for monthly fees when the phone has already been paid for in the full amount. As I refuse to pay extra they put it into collection which is now on my credit report. After speaking with a sprint representative they noted that the phone has been paid in full and for me to notify they financial department of the error that has been made on their behalf, but they refuse to take it off of my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My Experian credit report is reporting a Public Record Information that is inaccurate in its filing. As XXXX and XXXX determined the term " Dismissed '' means that it is adjudicated by the law it was removed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court or XXXX or XXXX has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2023-02-02
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I got a Citibank best buy credit card to make a computer purchase in XXXXXXXX XXXX XXXX Every month since, I am being over charged on interest. Purchase amount was {$2500.00} and I did not take the XXXX XXXX  offer on interest free payments. XX/XX/XXXX, interest charged was XXXX payments made up to that date was XXXX an XXXX and XXXX payment. XXXX I was randomly charged XXXX and XXXX on XX/XX/XXXX and have been unable to dispute it unless I claim my card was stolen and get a new one. XX/XX/XXXX I paid XXXXXXXX XXXX XXXX XXXXXXXX of that was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. XX/XX/XXXX, I paid XXXX in which XXXX was taken for interest. Now XXXX is here and I have to be robbed by these fraudulent crooks again. I called in XXXX and XXXX and talked in detail about this issue. XXXX XXXX later and they have sent nothing in communications let alone tried fixing the overcharge of interest and the added charge oXXXX XXXX XXXX and change.

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 2017-04-26
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In an attempt to pay off charges related to an  XXXX  vacation, I went online  to Citi Card  and attempt to pay online. On  XXXX   XXXX , I noticed that the funds had n't left my account. I discovered I accidentally used a misnamed account  XXXX  both accounts were named  XXXX  bu t one was pointing  to my   XXXX   XXXX   XXXX   account ). Therefore the payment bounced ... but the funds showed available on m y Citi online  account.     I called customer service on  XXXX   XXXX  to try to resolve the issue ( because the account showed a  XXXX  balance, I was unable to resubmit the payment with the correct bank account. The representative assured me th at Citi card wo uld not try to retrieve the funds gain because it was not an automated account. I would be able to make the correct payment when the account cycles. I removed the offending bank account from my payment options to avoid any further issues.     A few  XXXX   XXXX ,  Citibank again tried  to remove the funds from my bank account, contrary to what the representative said. Through out all of this, I was constantly paying any charges that came up from my use of the card before I realized the issue.     On  XXXX   XXXX , the balance showed on my account and I was able to pay the full balance using the correct account. Days later I noticed my available credit w as 0. I contacted customer support and was informed that my card was being cancelled for 2 bounced payments. ( truthfully it was only submitted once ... they attempted twice. ) I explained the situation to three levels of support. As it turns out, the initial rep I spoke to never recorded the issue I had with my bank on my account. I explained everything again, and the   gentleman said he would submit it to the appropriate department.     The response I received was the payment issues were not due to a bank error and thus the card will be closed. I never claimed it was a ban error ... it was my error ... an error I did my best to correct through the constraints imposed by their automated systems, I 'm in the process of bettering m y FICO scores and t he loss of {$4000.00} in available credit is a big step backwards in this en-devour. Through it all, I was never allowed to talk with anyone that could have helped me fix what had gone 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 explanation
Consumer complaint received 2015-12-08
Company: Experian Information Solutions Inc.
State: SD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX XXXX, I went to XXXX to view free credit reports I am entitled to received XXXX time ( per CRA ) per year. I successfully viewed my XXXX and Experian reports. I also selected the purchase option to get my credit score from both of these CRA 's. My Transunion experience was fine : simple, transparent and provided me with what I wanted/expected. I paid the one-time fee and received my score. 

My Experian experience was not fine. Although I have worked in the XXXX for over 20 years, I did not notice Experian 's " fine print '' that by getting my score for {$4.00}, I was also enrolling in a program that was free for the first month and then I would be charged {$19.00} per month after that. Today, I realized I had a {$19.00} charge on my credit card ( posted XXXX ) for Experian 's monthly {$19.00} fee for whatever " service '' I apparently enrolled in. 

In my line of work, I follow the CFPB closely. I know that credit reporting has been a big area of focus and produces a high number of consumer complaints ( some fair and some unfair I 'm sure ). 

When I called Experian to ask about the {$19.00} charge on my credit card, and to bring forward my concerns about the " automatic '' enrollment in some " service, '' the representative was professional and helpful. He immediately canceled my membership but would not refund the {$19.00} fee that had already been charged to my credit card - essentially saying it was a " legitimate charge. '' I 'll admit, I may have missed reading some disclaimer or fine print when I thought I was just getting my Experian score for a one-time fee of {$4.00} on XXXX. 

However, if I 've made this mistake, I am very confident many, many others have also made the same mistake and 1 ) have n't noticed the credit card charges yet and/or 2 ) do n't know what to do about it. That is why I 'm writing to you today. I made it clear to the Experian representative that I talked to that I was going to contact the CFPB because the " automatic enrollment '' as a " revenue generator '' for Experian was not, in my opinion, an appropriate or " consumer friendly '' way to generate revenue in today 's highly regulated environment. 

For the record, I have no personal or professional connections with anyone at Experian or XXXX - not currently and not at anytime in the past.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a tax lien through WA state and its been paid off for over 2 years. Numerous times I have asked for it to be removed from my credit report both with experian and XXXX and both stated I needed to ask WA state to do it. I called the state court again today and they said the credit agency needs to do it. No one is helping me and this is affecting my credit big time.

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 2016-05-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian refuses to block this information that resulted from identity theft. I notified them that my ID docs were previously stolen and I included my police report, affidavit and ID docs to no avail. I did not open this account, nor did I apply for it. This must be blocked pursuant to section 605B of the FCRA. 
XXXX XXXX this account is fraudulent and must be blocked pursuant to section 605B of the FCRA

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 2015-06-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is no such judgment of record # xxxx from this Court for this date for this amount from this creditor. 
I have certified documentation from the Court that supports my dispute of this erroneous entry on my report. 
If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. XXXX Section 1031 of the Dodd-Frank Act XXXX There are XXXX judgements reporting that are not recorded judgements with the courthouse. This is ruining my credit. The courthouse also confirmed that they do n't report to the credit bureaus so there 's no way the bureau could verify with them PLUS it 's not even recorded so there 's nothing to verify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been requesting verification of the following account that Experian continues to report on my credit file chapter XXXX bankruptcy and chapter XXXX bankruptcy. Experian listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XX/XX/XXXX. OnXX/XX/XXXX, I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with Agent XXXX and he informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. OnXX/XX/XXXX I also contacted the number listed at the bottom of my XXXX XXXX confirmation paper XXXX and spoke to Agent XXXX and she also advised me that my security freeze was confirmed and set into place as of XX/XX/XXXX She also stated that there is NO inquiry from Experian or mode of verification from XXXX XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Experian shows as reported on 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 2017-04-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX   XXXX   XXXX  vs  XXXX  's  XXXX . I have contacted  XXXX  's over  20 ti mes to remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as  XXXX    XXXX  . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   XXXX  and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not medicine man  ) im mediately. I did that but brought the  XXXX  bill with me and sent it out on time. I have been repeatedly told by  XXXX  that the death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a reservation with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health  XXXX , they said  XXXX   XXXX   XXXX  has no good will. It is possible that because it was sent from   XXXX   XXXX   XXXX  , it could have been delayed. My credit score has been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in such  s dem eaning way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  XXXX   XXXX  never did show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: LendingPoint Holdings LLC
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I want to file a " Bait and Switch '' Complaint on Lending Point. 
The WEB SITE states : Can I Apply For a Lending Point Loan? 
Easy Questions To Help You Decide Am I at least 21 years of age? 
Can I provide a government issued photo ID? 
DO I have a social security number? 
Do I have a minimum annual income of {$25000.00} ( from employment, retirement or some other source )? 
Do I have a verifiable personal bank account in my name? 
Am I interested in a personal loan of {$3500.00} up to {$20000.00}? 

If you answered YES to these questions, let us see if we can help you rewrite your credit story. 
The Company refused me a loan based on low balance in Checking Account! Th Company MADE 15 requests for data and even told me I was PRE-APPROVED For {$17000.00}! 
The advertisement does not match their process, plus they requested bank account statements and recent history and and I believe those are privacy issues related to my purchase history and not germaine to application. I request enforcement action! Process Review, FINES, and ENFORCEMENT. Why dont they have to have an address posted? Their Telephone number is : 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 2016-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This is not a duplicate of XXXX. Please do not get this complaint confused. This is a new complaint. Please do not get this confused. The first complaint was mentioned XXXX XXXX XXXX XXXX which was wrong. This is regarding XXXX XXXX XXXX XXXX. 

TransUnion has refused to reflect all of my payments that I have made to XXXX XXXX XXXX XXXX car installment loan. On TransUnion reports dated XXXX XXXX, 2016, and XXXX XXXX, 2016, and XXXX XXXX, 2016, my XXXX, 2016, payment has been omitted. Also, XXXX of the officials stated that my low credit score would change after 3 months of payments on this car loan and it has not. It appears that TransUnion deliberately refused to reflect my timely payments to XXXX XXXX XXXX XXXX thus placing my account in the negative affecting my credit score. I have letters from XXXX XXXX XXXX XXXX stating that acknowledgement of my XXXX payment was sent to TransUnion on XXXX XXXX, 2016.

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