BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-27
Company: AMERICAN EXPRESS COMPANY
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:
I applied to an American Express Gold card on XX/XX/2022. As part of the process, I was notified by the website that it would require additional information for income verification. My credit received an expected inquiry for the application. 

I received the XXXX Request form on or before XX/XX/XXXX. I submitted the document on XX/XX/XXXX. After submitting the document, I continued to receive around three more XXXX requests in the mail identical to the original. I submitted another one on XX/XX/XXXX, assuming there was an issue with the first XXXX. I had no contact with the company at this point. 

On XX/XX/XXXX, I received a second hard inquiry on my credit report that was unauthorized. I discovered this on XX/XX/XXXX, and I called the customer support line to get more information. I was told that my original credit inquiry expired, and they automatically ran a second one without my consent. I was further told that the IRS should be returning the transcripts they requested shortly, so they should be able to make a decision soon and to call back in about a month if I did not hear anything. I was annoyed by the second inquiry, but I was willing to accept it if I received the decision I was waiting for. 

On XX/XX/XXXX, I called customer service again after not hearing anything about the application. On the call, I was told that my application was no longer valid due to it being inactive for 6 months and if I wanted to continue the process, I would need to apply again and receive another inquiry to my credit report. Further, I was told that my original XXXX form did not return from the IRS and that I *might* not need another XXXX if I applied again, but there was a possibility of having to submit the form again. 

At this point I requested to have the inquiries removed from my credit report because the application was never processed and it was entirely out of my control. Further, the second inquiry was not approved by me at all. I was told that was not possible and I requested a callback from their floor manager. 

On XX/XX/XXXX, I received the callback from the manager. They apologized for the situation and said that they will remove the inquiries from my credit report. Further, I was told that if the IRS returns the transcript at any point, I would receive a call from American Express to re-pull my credit to process the application. 

As of today, XX/XX/2022, both inquiries are still on my credit report and I have not heard anything from American Express.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX 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 a 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 2022-06-22
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: Information belongs to someone else

Complaint:
I spoke with these various companies they informed me they would look into it I still havent seen anything done yet

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 2022-08-20
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2022, Got letter from XXXX stating I applied for credit, and I did not apply for credit. 

A XX/XX/2022 Fraud Hard credit hit from XXXX showing on my Equifax report, I did not apply for and credit with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I applied for the SAVE plan at the end of XXXX. Nelnet has been processing the application since then. They have taken so long that I am now forced to make payments I wouldn't have to make under the SAVE plan, and I am being charged interest that I would not be charged under the SAVE plan. 

Nelnet failed to notify me via email or letter that they require a {$5.00} mandatory payment to switch my student loans from IDR to the SAVE plan. Nelnet has not communicated anything to me regarding the status of my application the entire time it has been processing.

I waited three hours on hold to talk to an agent today who just told me that they forgot to send the email and that he would request they send it to me. I need a special link in the email in order to pay the {$5.00} so I can be put on the SAVE plan. Nelnet will not accept this payment over the phone and there is no way to do it over their website. Consumers need the special link, which is in the email that they don't send out. So my bank account continues to be held hostage while they take weeks upon weeks to process my application, and then fail to notify me when they need something despite my online account telling me to " refer to the letter or email we sent you ''. There is no letter, there is no email. It was never sent. How am I supposed to respond to something that they never sent? 

The only way to contact Nelnet is via phone, because they do not respond to emails. If you want to talk to an agent, you have to wait three to four hours. People have to literally take time off of work and lose money just to talk to an agent about the accounts that Nelnet messed up in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: KY
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:
My home loan still report on my credit report as late in XXXX or XXXX of 2018 my mortgage company not fix

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I spoke with these various companies they informed me they would look into it I still havent seen anything done yet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
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: Personal information incorrect

Complaint:
I saw this verbiage on my XXXX credit report that I did not wright : XXXX & xx-xx-xx xxxxxxx id fraud victim alert fraudulent applications may be submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. do not extend credit without first contacting me personally and verifying all application information at day XXXX or evening XXXX. this victim alert will be maintained for seven years beginning XXXX. 

I don't know where this came from but the XXXX is a number I do not recognize the XXXX is my cell phone. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois XXXX is the only information that should be on my account Also I am employed by 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 2022-08-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX chase stated theres was a glitch in their system that XXXX out my available balance for my credit card. I should have at least {$700.00} available credit in my card to use, but they wont let me use it. I even asked if they could issue a temporary credit for me to be able to use my card for what I desperately needed it for. I was able to charge {$240.00} on XX/XX/XXXX to XX/XX/XXXX and then on XX/XX/XXXX it just stopped working. When I contacted chase they said there is nothing they could do to assist me and it left me stranded with no money. I dont understand why this issue is happening to me and I believe it is retaliation because I have not paid any interest on the card since it was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 are additional details to a report already sibmitted. A week before a hard inquiry was made on my report I spoke with a member from transunion customer service to ask them not to share my info with 3rd parties because it ends up on public record sites. This employee was from XXXX, and responded that as a solution to this, he would place a fraud alert on my transunion credit report and notify the other credit bureaus. This call happened on XX/XX/XXXX around XXXX XXXX. The transunion employee asked for my full name, date of birth, and social security number to add the alert to my account, which I provided. I did verify the phone number I called was a legitimate transunion business number of ( XXXX ) XXXX. On XX/XX/XXXX I received an alert of a hard inquiry on my credit report. The company that made the inquiry responded to CFPB that they received an application for a credit card named XXXX XXXX by XXXX XXXX. I contacted XXXX XXXX account protection team who confirmed that an application was indeed submitted with my full name and social security number with an out of state address different than my own. In all my XXXX  years of living on this earth nothing like this has ever happened. I do not apply for credit cards or loans as I have no use for them and have never had XXXX. The last person who had access to my personal info including social security number was the customer service representative from transunion. I strongly believe this employee may be using customers information fraudulently since he has acess to it through the company. I had not done business with anyone else in about XXXX  years regarding my social security number. This is the XXXX  time something like this has ever happened to and I don't willingly give personally identifiable sensitive information to just anyone.

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 2023-09-25
Company: EQUIFAX, INC.
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:
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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
There XXXX banks that I have savings, investment CD for many years, however, the banks let someone withdrew my money and closed it with out my knowing or permission. Moreover, how is other person able to joined my bank account without me being there? 
All of these bank, did the same thing to me. Right i call in and ask for my account, they will replied that my account have different information in my file. I also tried to asked for information and so that they can send me the information from my file, however, what i have giving some replied back as your account is closed and you need a lawyer because, now it's your personal problem. other replied, sorry your account is closed, we can't help you. What am I supposed to do if I can't get information off my my bank file? I did not closed it, it's stolen and closed it from fraud. I need help getting my information so that I can get my Identity Theft Victim complete please. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are four ( 4 ) inquiries appearing on my Equifax Credit report from XX/XX/2021 that I did not authorize. I have contacted and disputed these with Equifax and they refuse to remove and also refuse to provide information on how they verified these accounts or provided me with a document with my original signature authorizing these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: MD
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:
The Credit Reporting Agencies are willfully defaming my character continuing to report inaccurate information on my credit report without providing proof. Also they're in several violations of my consumer rights. 

In Pursuant Of 15 Usc 1681a ( 1 ) we have the right to accurate and fair credit reporting!!

These accounts are not showing accurate on my credit report.

According to the FCRA 611 ( A ) ( 1 ) the credit reporting agencies were supposed to respond to my disputes within 30 days I have received no correspondence about my disputes According to the FCRA 605 ( c ) Running of the reporting period was occurred on all these accounts. They re age the date of last activity to willfully defame my character and keep my consumer report at a low credit score I demand these accounts be removed from my consumer report & blocked during the investigation occurs on all reporting agencies reporting alleged accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
They didnt remove incorrect information such as addressess, phone numbers, names. Which I never lived there. It should be XXXX XXXX, XXXX XXXX XXXX XXXX SC XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX : Account number : XXXX I've disputed this account ( XXXX : Account number : XXXX ) numerous times due to inaccurate information being reported on my credit file, even after the bureau have stated countless times that the account has been investigated and verified, after a year Im finally reaching out to the CFPB regarding this issue. 

I've attached a copy of my CFPB compliant ( supporting documents ), detailing the removal of account : XXXX : Account number : XXXX after XXXX finally was able to do a proper investigating of the account. 

For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? 

At this point I am no longer asking you to reach out to the furnisher to verify or investigate this account ( a year has been long enough ), im demanding that you delete it from my Credit Report Today!

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 2022-08-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please be advised that I have on multiple ( 4 separate occasions ) Dating XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; And XX/XX/XXXX sent formal, certified and notarized mailed dispute letters to Experian XXXX XXXX XXXX, XXXX, TX XXXX and as of date I still find the same incorrect and inaccurate unverified negative accounts on my credit report. These are the negative items I still find on my personal credit file with Experian : 1 ) Name of Account : NYS Dept of Soc SVC Child support. Account Number : XXXX. 2 ) Name of account : XXXX XXXX : account # : XXXX. 

As you can see in attached doc. this account is paid and closed and incorrectly/ inaccurately/unverified yet still being listed on my credit report. These account listings are incorrect and also unverified.

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 2022-06-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-06-22
Company: EQUIFAX, INC.
State: NC
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 XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; has violated my rights.

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

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation