BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I sent an id theft affidavit to Experian to block XXXX items that were opened in my name by someone else. They sent back a notice that they would not block the item without a police report. This is a violation of my rights under the Fair Credit Reporting Act. When this act was amended in 2004, the credit bureau representatives who came to train on the differences clearly indicated that a police report was NOT mandatory. Indeed, they provide copies of an ID Theft Affidavit ( attached ) that could be used to identify the item. 
Section 605B clearly indicates that a copy of an identity theft report would be required but not that it must be a police report:605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
But like the credit bureaus have done with sending letters extending a mandatory 30 day time frame for investigating disputes ... changing the 7 year time frame for reporting Chapter XXXX bankruptcies after 40 years ... .and not allowing consumers to have their disputes removed ( who else but consumers would know they are no longer disputing ), the bureaus have simply changed the rules without changing the laws.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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  acct # XXXX, has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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:
Im accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Service Account # XXXX XXXX XXXX Service Account 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 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 2018-12-02
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I applied for an IBR they said I would be in deferment until I got approved, I have not heard back from from my application XX/XX/XXXX they took me out of deferment and doubled my payment they sent me an email saying they wanted my income statement for the month and then said they didn't know what I wanted to do with it since I didn't send an application, I sent the application on the XXXX XXXX XXXX site with my tax return now the website is closed for maintenance. I applied for forbarence again to get relief I can't make double payments, they were not supposed to do anything with my loan until I heard back from the Fed student aid application process. Just frustrated I just wanted to lower my payments and get done I am XXXX and don't qualify for anything. Will most likely never pay this off I applied for bankruptcy and you can't include student loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I settled with four credit card companies, Im was told that all payments needed to be in there office on or before XXXX XXXX. I was also told that after receiving payment in certified funds that they would request to have the account removed from my credit report. 
I purchased money orders for the said amounts and sent them out well before XX/XX/XXXX, on XX/XX/XXXX I received a credit alert. So I retrieved my report and noticed that the amount that I had paid ( not all of them ) was reported to the bureau but still showed a balance. I contacted the creditors and asked them why. I was told that they could do what ever they want. Plus it would take 60 days before anything would reflect on my report an they dont have to give me any indication when the process will finish.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Last year, I applied for the citi at & t access more card credit on the citibank 's website and got approved. On either their website or the card agreement I received, it is clearly stated that I will earn a annual bonus of XXXX thank you points if I spend XXXX dollars in the previous year. On XXXX XXXX, I called to check in how I am progressing in getting the benefit and when my next reward period starts, the representative told me, she told me she saw this as a one year promotion ending in XXXX and said that this is just a one year thing and would not happen again in the next year. 
I asked to speak to a supervisor to check in what has happened because the representative said that she could not tell me more, while being totally shocked about this. I stayed on the line with her for about one and half hour to get transferred but she told me that the supervisors became to be unavailable from available because they were taking calls from the new costco cards customers. Afterwards, I contacted the customer service through online chat, and I got the same answer ( conversation enclosed ). I was so disappointed that they made such a discrimination here and about the way they lied in their marketing materials. I am considering this to be a fraud. I spent two and a half hour on this but am still not clear what is happening. 
If it does not get resolved soon, I will probably take legal action.

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 2022-10-11
Company: SLM CORPORATION
State: FL
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:
Per my credit score on XXXX as of XX/XX/2022, my Sallie Mae has a balance of {$2700.00}, and Sallie Mae reported that as of XX/XX/2022. 
However, per SALLIE MAE statement, my balance is {$1800.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: MoneyLion Inc.
State: GA
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 paid Money Lion off on XX/XX/2022 which shows a {$0.00} balance and that the account was closed. However, they still keep reporting charge offs to the credit bureaus. A charge off was reported for the month XXXX and XXXX. I have sent a dispute but as of today nothing has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I contacted the FTC in regards to a credit reporting which I disputed, FTC was able to get it removed from my credit report, my credit report confirmed the removal, and now it 's back. Under HP sears for XXXX in the amount of XXXX, I want it removed again, I 'm disputing this claim as well.and is this legal for them to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I FILLED OUT ALL THE INFORMATION AND WITHOUT ANY EXPLANATION, THEY DID NOT RELEASE MY REPORT OR SCORE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX is a collection that was paid on my credit report. On my experian credit report it states it was open on XXXX. On my XXXX report it states the companys name as XXXX XXXX XXXX. And it states it was open on XXXX. The amount reported by both is {$700.00}. I payed this collection on XXXX. I was told it would be removed after 60 days as Ibwas told from the collection agency. It 's still not removed. I have disputed and yet it still remains on both credit reports. I finally got them to remove it from my transition. This item was paid and states that it 's paid. It has been over the 60 days. Also the reporting dates are both different and they are XXXX different collection companies reporting in my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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 ex-husband and I had two auto loans thru XXXX XXXX XXXX XXXX. One was my stepson 's car that my stepson makes the monthly payment on. It is almost paid off. The other is my ex-husband XXXX XXXX XXXX. We separated XX/XX/XXXX and he has always had possession of the vehicle. Our divorce was final XX/XX/XXXX. The Judge signed the divorce decree and both auto loans at XXXX XXXX XXXX XXXX became the sole responsibility of my ex-husband. XXXX  has removed these from my credit report and TransUnion will not because XXXX XXXX XXXX XXXX will not allow the. To remove it. I have sent the divorce decree to XXXX XXXX XXXX XXXX and to TransUnion. XXXX XXXX XXXX XXXX has told me that my divorce decree does not matter and has no validity on this situation. I do not see how that is possible because a Judge signed and ordered that my ex-husband is solely responsible. Since our separation my ex-husband has been late XXXX and XX/XX/XXXX on his car payment. This is having an adverse effect on my credit. I am considering hiring an attorney and suing XXXX XXXX XXXX XXXX and TransUnion. Please help me.

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 2015-07-28
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I was offered a buy out of my XXXX pension last summer. After comparing the numbers they had offered I decided NOT to participate in the buyout and keep my pension. When I called the number provided I was informed that unless I request a check in writing no changes would be made to my account. No such request was made. 
In XXXX I received a notice that a check for XXXX was deposited on my behave to CITIBANK and an IRA was setup earning almost no interest. I have since contacted those XXXX times to transfer the funds to XXXX XXXX XXXX XXXX which is the bank where I do most of my retirement accounts. The first time I needed to submit forms after which they said they would transfer the funds. I have made XXXX attempts after that to have the funds transferred. Each time saying all the steps were complete and the funds would be dispersed in seven to ten working days. They also suggested I could go to a local branch and get the check directly knowing I was in XXXX XXXX. The company has no branches in Texas or even XXXX. 

First and foremost I would like a reinstatement of my pension. If this is impossible then an immediate transfer of funds to XXXX XXXX XXXX XXXX on my behave would be an appropriate action. 

Thank You, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX *, XXXX XXXX XXXX XXXX *** and ( Original XXXX : ) XXXX have 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 explanation
Consumer complaint received 2021-01-07
Company: ABSOLUTE CREDIT  LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 - Absolute Credit LLC reported a medical collection account to my XXXX  credit file. 

XX/XX/2020 - I sent them a certified letter asking Absolute Credit LLC  to validate the debt. 

XX/XX/2020 - The letter was received by their office. USPS receipt attached. 

XX/XX/2020 - Absolute Credit LLC did not respond to my validation request within the allotted 30 days. I sent a day 31 follow up letter to them as soon as I had not received a response. 

XX/XX/2020 - Absolute Credit LLC responded to me with a letter dated XX/XX/2020. Sent my sensitive and personal information ( when they did try to validate ) via regular mail. Included my identification - social security number, a photo of my license, details of my medical bill and insurance info. 

-In my first letter to Absolute Credit LLC , I requested that they send me the HIPAA authorization from the health care provider, giving ABSOLUTE CREDIT LLC the authority to collect this debt. They did not send a HIPAA authorization from the original healthcare provider. 

-They are reporting to XXXX  as the " original creditor ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CITIBANK, N.A.
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed on my CitiMortgage home loan in XXXX XXXX. In XX/XX/XXXX, I lost my job, and filed for bankruptcy in XXXX XXXX. I continued to make my mortgage payments. Since that time, I have been unable to access my loan online, create auto-payments, check my balance, escrow, etc. CitiMortgage regularly sends out someone to 'check occupancy ' and charges me for this. In XXXX XXXX, CitiMortgage notified my home owners insurance company that I no longer lived and the house was vacant. I have lived in my house continuously since the day I moved in, and I make my house payments. CitiMortgage sends me XXXX letters and XXXX envelopes a week. When I call to get this cleared up, I am told : 1. I owe thousands in fees and charges 2. No one can help me. 
3. I failed to 're-affirm the mortgage when my bankruptcy closed and the only way to do that now is to file bankruptcy again. ( I am financially solid now ) 4. My attorney tells me that CitiMortgage ( like XXXX -my auto loan company did ) was responsible for sending out the re-affirmation. 
I am caught in a viscous circle of everyone pointing fingers, charging me thousands in fees, sending me a demoralizing amount of mail all saying the same thing [ if you need help, call HUD. I do n't need help with paying my mortgage..I need help accessing my mortgage and getting the fees removed ]. I need help stopping the occupancy inspections and false notifications to my insurance company of abandonment. 
I want my mortgage cleared of all fines, and released to my access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old 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 2022-04-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Equifax has violated my rights as a consumer 15 U.S.C 1681 Section 602 A States that I have right to privacy 15 USC 1681 Section 604 A section2 : It also states that a consumer reporting agency can not furnish an account without my permission. 

The only Address that should be associated with my credit report XXXX XXXX XXXX XXXX, TX XXXX The incorrect address are XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have got debt collection account for {$360.00} dated XX/XX/20 from I C Systems inc, the original company was XXXX XXXX on my credit report. I always pay my phone bills on time and also have contacted with XXXX XXXX and they told me that I do not owe anything. 
I never received anything about this by mail or any other way. I dont have any knowledge of any debt.

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