BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
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'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2020-06-18
Company: Experian Information Solutions Inc.
State: MO
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2022-05-04
Company: Experian Information Solutions 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 Account # XXXX Account # XXXX Account # 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 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 2019-12-26
Company: ID Analytics, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX gained unauthorized credit access to my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: PA
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:
I have disputed and contacted Experian, XXXX and XXXX. It is their job to do a thorough investigation. They are also obligated by law to report correct information. I am concerned about the validity and accuracy of each Credit Company 's investigation of these accounts that are reporting on my credit report. I have asked them to provide an original contract regarding XXXX XXXX, XXXX XXXX, and XXXX. They did not provide which I am entitled to by law, proof of the original contract bearing my signature and a copy. Incorrect information is being reported when I reviews my 3 credit reports. They did not do a thorough investigation and did not provide a statement which I requested. Experian is reporting a {$0.00} balance ( charge off XX/XX/2022 ), XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022 ) and XXXX is reporting a {$700.00} balance ( charge off XX/XX/2022. This shows that their investigation was not conducted correctly and thoroughly. In accordance with the Fair Credit Reporting Act, Experian, XXXX and XXXX has violated my rights. 15 U.S.C 1681 Section 602A. I have a right to my privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also, according to 15 U.S.C. Section 1681i ( a ) if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. They had 30 days to investigate. Wrong information is being reported and I want these accounts deleted off of my credit report 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 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Credit inquiries that I didnt apply from Bank of America XXXX This inquiry was did on XX/XX/2022. I havent applied for any new credit

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 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I received my XXXX XX/XX/XXXX, in which I began paying the following year through XXXX XXXX. While trying to find a steady job, XXXX XXXX made me go on forbearance of my student loan, because I could not afford to pay. It only accumulated more interested and added to my loan principle. It then transitioned to Navient and my payments went into the {$300.00}. Again I could not afford that, so I called to seek options. They put me in what they led me to believe was a income based payment, to find out it was a interest only payment. I started graduate school XX/XX/XXXX, in which my student loans went on school deferment. Today I called to get information on my next due payment, to find out that my loan principles are higher than what I ever took out. One of my loans beginning principle XX/XX/XXXX was {$9700.00} and now the unpaid principle is {$10000.00}. The other began at {$8000.00} XX/XX/XXXX and is now at {$8700.00}. I 'm in the XXXX field and have been looking at loan forgiveness, having been paying over 10 years. Today I feel I will NEVER reach financial freedom with my XXXX loans that I did n't make a dent, but now also show a higher principle ( which makes no sense ). In addition, I now owe {$18000.00} to the State of Texas for my XXXX degree. It almost feels like the more you accomplish, the further away you get from financial freedom. Navient deceived me and can not answer to my payment history with XXXX XXXX. Being in a helping profession that is underpaid, payment forgiveness and/or assistance should not be that difficult. Especially when your service is going back to serving the vulnerable populations of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
inaccurate accounts were found on my most recent reports which i contacted each creditor and i have not yet received any responses.

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 2019-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Reports show open account when recent chapter XXXX should close all accounts. 
All education accounts should show IN GOOD STANDING.

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 2022-01-21
Company: LEXISNEXIS
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 information incorrect

Complaint:
XXXX is reporting I owe on students loans that are 10 years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is 10 years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, 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 information incorrect

Complaint:
XXXX is reporting I owe on students loans that are XXXX years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Been trying to resolve this issue with XXXX, XXXX XXXX, XXXX XXXX, XXXX, and all 3 credit bureaus for over a year now with no success. I have submitted them copies of ID to support when the XXXX XXXX XXXX was open inXX/XX/XXXX i was not living at the address nor was I of age to have a credit card account not today I am XXXX yrs old two years ago I between XXXX-XXXX years old. I have requested debt validation and all the creditors keep supplying me with are statements ; they have not supplied me a contract bearing my signature of an account that was open in the address I lived in at that time. Attached you will find my state ID which was issued XXXX which reflects my address at that time which is not the address where these accounts were opened, merchandise shipped, statements sent etc.

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 2016-09-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I attended XXXX XXXX XXXX and XXXX in XXXX 2009, I was watching the News on yesterday and it stated that XXXX was being investigated because of the student loans. I would like to have my loans investigated with your company. I have private and Federal loans and I never received any additional money when I received the loans, but I was informed that any additional funding that I received was being sent back to the loan company. I never received any showing that the funds were returned back to the loan services and I would like for my loans to be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: MECHANICS BANK
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:
Date : XX/XX/12 Amount : {$17000.00} the account is well over 7 years and it is still reporting negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
This is my 10th Complaint that I am a victim of identity theft and I COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. Per required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS are require to remove any items which was opened without my knowledge, consent or authority within 4 business days : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance ; XXXX XXXX XXXX XXXX Balance {$3600.00} ; XXXX  XXXX XXXX Balance {$710.00} ; XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX  XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$95.00} ; XXXX XXXX Balance {$640.00} ; XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  Balance {$310.00} ; XXXX XXXX XXXX  XXXX Balance {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : 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 2016-10-11
Company: Navient Solutions, LLC.
State: HI
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Please take the time to look into student loans and XXXX XXXX XXXX fraudulent practices of applying their students into predatory student loans knowing full well that majority of the students could not repay back those loans after graduation. I had emailed you on this issue a few years back and explained how after graduating from XXXX XXXX with a XXXX XXXX XXXX I was told that my degree from XXXX XXXX was worthless to any governmental agency : State and Federal because of the accreditation of the school. I owe close to {$100000.00} in student loans ( both government and private loans ), many of which are in default or placed on an Income-based repayment plan where my monthly payment is at {$0.00} per month because I can not afford to pay back these loans due to the high cost of living for me to provide for my family of XXXX. 

Most recently XXXX XXXX has been forced to shut down all its ' schools and is being sued by many states due to fraud practices on recruitment, student loans, etc. I had attended XXXX XXXX XXXX in XXXX, Nevada from XXXX - XXXX and graduated as XXXX. I attended school even throughout the economic crash, even through bankruptcy proceedings living off their promises to better opportunities of the future of starting anew and obtaining a better paying job to provide for my family. During the course of attending, XXXX XXXX 's Financial Representatives have placed me into numerous student loans to pay for their courses promising me that when I graduate it would be all for the better. I studied hard and worked hard to get high grades, even while working a full-time job and being a full-time mother to my XXXX children. After graduation, all I found myself was in high student loan debt which I can not repay. Till today, I have been suffering from shame, guilt, XXXX knowing that the debt is still rising from high interests and penalties and all I have to show for all of this is a " Blank '' piece of paper, according to the XXXX personnel when they refused to hire me for a XXXX because I did not meet the education requirements. I was also denied a position as a XXXX agent at the XXXX because my credit is too high and risky, and they too did not recognize my education. 

When will this all end? I do n't have the money to hire a lawyer to help me nor do I know where to start in getting rid of these loans which have been a nightmare to myself and to my family ( with high collection calls from Navient and collection departments ). All this because of a school that refuse ( s ) to take responsibility to misleading me into high debt for an education which is worthless. Help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: DISCOVER BANK
State: FL
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:
I contacted Discover Card IT recently when I found out who I believe was a previous roommate who got into my office and opened up a Discover Credit Account under my name and even added my son to the account ( who doesnt live with me to cause confusion ) she also ordered items under my name and so on. Discover card statement zero fraud liability. I have contacted Discover regarding this and spoke with a gentleman regarding this in the Fraudulent Department who also sent me correct information stating that I am not responsible for the account since I never opened it up. They advised me that They closed the account prior to me disputing the account in its entirety because they believe that the account wasnt opened up by me. I received a call regarding the matter from Discover collection states my account is in collections. I am currently being proactive regarding this matter because a reliable coworker had the same problem with Discover and they advised her that she would not be responsible only to find out that another person got there hands on the fraudulent account only to override the previous discussion and corespondents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XX/XX/2019 I wrote to Citibank alerting them that XXXX  XXXX XXXX has no authorization to initiate debit transactions to my checking account XXXX, and asking them to block any further ( erroneous -- see related complaint ID XXXX-XXXX showing incorrect double-charges ) attempts by XXXX  XXXX XXXX to charge my account. 

On XX/XX/XXXX Citibank wrote a form letter ( XXXX ) speaking to the reversal of the previous incorrect charge and closing the case. 

On XX/XX/XXXX at XXXX Citibank allowed XXXX  XXXX XXXX to withdraw {$870.00} from my account with the full knowledge ( from my previous letter ) that XXXX  XXXX XXXX was NOT AUTHORIZED to do so. I attempted to contact Citibank again in writing, but the only online method they have, " chat '', was unable to help me and Citi does not accept electronic messages ; as I am traveling I am unable to write another paper letter to them. 

I would appreciate your intervention with Citibank so that they stop this unauthorized electronic withdrawals of my funds. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, INC.
State: HI
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 XX/XX/XXXX- XX/XX/XXXX of 2017, Equifax, one of the three major credit reporting and monitoring agencies, had sensitive data compromised in a data breach that likely revealed information such as : Social Security Number, Drivers License Information, Credit Card Information, and Contact Information to criminal perpetrators of the breach. Equifax provided a website for users to enter a portion of their social security number to determine whether or not they may be impacted. After entering my information on XXXX XXXX, 2017, Equifax 's website alerted me that I was likely affected by this incident. I have added a temporary Credit Fraud Alert through a competing credit reporting agency, XXXX, in the event that my personal information is being misused to open lines of credit, etc. without my consent. I am filing a complaint as this breach of security and my personal information may be highly detrimental to my future plans of taking out student loans to return to school for a change in career, and am seeking means of restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12
Company: EQUIFAX, 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:
Around the beginning of XX/XX/XXXXEquifax reported ( a month after the fact ) that user information and data was stolen. This is unfathomable and puts all of us at risk for Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation