BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXXXXXX XXXX Opened XX/XX/XXXX / Closed XX/XX/XXXX Dear CFPB Please see attached files For months I have submitted complaints to XXXX/Experian regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXXExperian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed " XXXX XXXXXXXX XXXX Opened XX/XX/XXXX/ Closed XX/XX/XXXX '' in the attached documents to be removed immediately. I look forward to your response.

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 2023-12-07
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My collection was paid in full and there was an agreement that once paid the collection would be completely deleted from my credit report. The collection was only updated to paid and not deleted from my credit report as agreed.

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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX  Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX XXXX Transunion Student loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3900.00} Balance updated XX/XX/2023 XXXX LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023

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 2023-10-09
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.

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 2023-10-27
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX I received a letter from XXXX XXXX, Collections Manager of Cardmember Service at USBank, ( XXXX XXXX XXXX for my defaulted business credit card ending in XXXX XXXX XXXX XXXX ) stating that the bank exercised their " right of offset '' by charging my USBank personal banking account ending in XXXX, for {$900.00} on XXXX  and that they would not be responsible for any overdrafts that might occur due to this offset. This action put me into overdraft and has caused me financial distress, I'm a stay at home mom and am not employed. I called the above number and spoke with XXXX XXXX XXXX, and then with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX today ) to be refunded the money. I told them that it is in violation of the Federal Law 1026.12 ( c ) ( 3 ) ( ii ) ( B ) Federal Reserve Board Regulation Z, Section 226.12 ( d ), which prohibits financial institutions from applying " right of offset '' to credit card debit. They said it doesn't matter because it was part of the cardmember agreement to let them have the " right of offset. '' They said they would put in my request but that they normally only refund 25 % of the amount, and they send it in a check form which does nothing for my overdrafted account today. It is very frustrating to feel like there is no recourse for their actions.

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 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Transunion permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file 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 explanation
Consumer complaint received 2023-10-09
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting 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 into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 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 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

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 2023-11-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a XXXX credit card listed on my credit report stating I owe a balance, I have no knowledge of this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
See the attached documents.

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 2023-08-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX XXXX information is inaccurate information account is closed

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 2023-09-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 into the open that you are not hindering items 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-09-16
Company: LEXISNEXIS
State: GA
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: NAVY FEDERAL CREDIT UNION
State: MD
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  accounts below violated my rights to laws 15 U.S.C 1681 SECTION 602A - Which states that I have the right to privacy 15 U.S.C. 1681 SECTION 604A SECTION 2- Consumer Report Agency can not Furnish an account without my written instructions.

I have requested several times to prove these accounts and send original documentation with my signature. I have disagreed with the Creditor and credit bureaus on their last investigations XX/XX/22, XX/XX/22, XX/XX/22. There has been no response and no update according to the FCRA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CITIBANK, N.A.
State: IL
Product: Credit 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 received an alert of a potentially fraudulent charge of {$2100.00} in XXXX of 2023 on my Citi card. I immediately reported it as a fraudulent charge. The charge was removed in XX/XX/2023. In XX/XX/2023, Citi wrote to me and advised that they had reversed the charges because of paper documentation provided by the entity and Citi confirmed it was a valid charge to my card by XXXX XXXX XXXX XXXX 

I contacted Citi and advised them that the person who made the charge, XXXX XXXX, was not an authorized user of my card and I did not authorize the charge to my card. I have complained to them telephonically several times and they still have not removed the charge. I submitted a written complaint to them in XX/XX/2023 and they still have not removed the charge. 

I want the charge and any associated interest removed from my credit card.

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 2023-11-26
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, using XXXX XXXX as the credit servicer, claims my husband and I have a credit card under our names, XXXX and XXXX XXXX, opened in XXXX. 

The account ends in XXXX. We did not open this card or make any purchases on it. 

In XXXX, I opened a single XXXX XXXX account and purchased garden supplies for approximately {$120.00}. The clerk was to put this purchase on my XXXX XXXX card. I am told the account ending in XXXX, which we did not know of, is 120 days past due. 

We have disputed this with the company and requested an investigation of the account and purchase. First, we were told that legally, we could not dispute an account, which is incorrect. We also asked for the original credit documents of the account from the time of opening and purchase but were refused these. Currently, the only document we have received on the account in question is a letter requesting we call to settle the account. 

We believe XXXX XXXX XXXX has made an error in this card being opened and the purchase and would like this removed from our credit report asap! 

Thank you, XXXX and 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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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

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 2023-11-10
Company: EdFinancial Services
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XXXX I reached out to EdFinancial Servicing to find out why my payments were suddenly {$570.00} per month. I was informed I Had been put into the SAVE program, which I did not authorize. I was informed by a representative that I could be moved into an income based plan where my payments would be around XXXX per month, which was fine. I was told it would take 31 days to move, but I would be fine before payments were required to start. I was read all the scripting for the changes that is required and agreed to this change. 

I followed up multiple times and was told this was in process. The changes NEVER HAPPENED. It took me calling in to find out the actual time frame was 45 business days and not 31 business days. I called back and requested a Supervisor to call me back, because this was unacceptable that my account was still showing this high amount ( that is NOT A SAVINGS!!! ). I was told I would recieve a call back within 24 hours. 

72 hours later on XX/XX/23, I finally received a call back from a Supervisor who informed me that all of the representatives I had talked to previously about my account had provided me incorrect information, and my change approval was never submitted correctly and was still in processing and in fact, could not be processed. I was told I had to resubmit all of the information all over again, and get a new update for a completely different amount - around XXXX which as nearly XXXX more than what I had previously been told. I was also told this change would take 19 MORE days on top of the 50 days I have already waited. In the meantime I am recieving late notices, delinquincy notices and my account shows a balance due. 

In addtiional, I requested letters detailing the incorect information, the correct information and a payment notice with the updated information, which I have not received. 

To date, it has been 11 days, there has been no follow up communication, no letters as requested, no updated payment information and no changes to my account. I previously submitted a complaint, but this change was worth a second complaint with updated information due to the gross negligence by EdFinancial Servicing. I should have been told that the previously agreed upon payment schedule was incorrect and not possible. 

In addition, the Supervisor I spoke with said that due to the payment pause during COVID, that I was not eligible for lower payments because of 3 years that no payments were due counted towards the timespan of a loan. I am being punished for payment pauses, which seems both illegal and incorect. The Supervisor on several occasions attempted to get me to consolidate my loan which would have made me ineligible for other benefits in the future. This seemed extremely focused on providing a service that he would get monetary compensation for instead of actually trying to solve my problem,

Company response to consumer: Untimely response