BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: IL
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:
I recieved a response to a dispute letter that I sent. They said the accounts were verified as accurate. I responded on XX/XX/2022 with proof of all the inaccuracies that are still being reported. They are conciously still reporting inaccurate information on my consumer report.and they still havent responded in the required time of 30 days. Please inforce my rights and request these accounts be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: EdFinancial Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
We make payments to our daughters student loans through their website. In the past, it's gone smoothly. However, payments made on XX/XX/XXXX and XX/XX/XXXX, totaling {$3100.00}, have come out of our bank, but they ( EDFinancial ) shows no payments made on their end. They want us to wait 30 days ( THIRTY! ) for a response that they found/applied our payments. Phone hold times are hours long. On several occasions, we've been hung up on once the hold goes through. When we have gotten through their representatives are nice and apologetic. They don't provide a " case # '' in order for us to track progress. Other notes under our account show credits we haven't received yet.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-18
Company: EdFinancial Services
State: TX
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:
In XXXX, I requested a refund of student loan payments I had made using the CARES act. This total was above XXXX USD. The department of education took too long to deliver this check and due to this they ended up sending my check to an old address. 

Since I did not receive the check, I called Ed financial ( my student loan servicer ) and requested that they re send the check in XX/XX/XXXX. They have yet to process this request. 

Additionally, student loan interest resumed in XXXX of XXXX. I need to receive the check from ed financial to repay the balance on my loan so that I do not accrue interest. If I accrue interest, it is due to the the neglect on the side of Ed Financial and the Department of Education. 

When I informed them of the situation, Ed Financial claimed that they put my request in emergency status in late XX/XX/XXXX. However, when I called back on XX/XX/XXXX, I was informed that my request was not in emergency status. When I requested more information on whether I will have to pay interest on my remaining loan balance even though Ed Financial has failed to send me the refund check, they hung up on me. 

Each time I call Ed Financial regarding this situation, I get conflicting and different information. 


I paid down the balance on my loan so that the only remaining amount is the same as the amount owed to me by Ed Financial/Department of Education .

I believe it is unethical, unfair and even predatory for Ed Financial and the Department Of Education to delay sending me my refund check, while also charging me interest on my loan balance which would have been paid off completely had they sent me my refund check already.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: PA
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 U.S.C 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

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 2023-11-23
Company: Experian Information Solutions Inc.
State: AZ
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, XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A states that I have a 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.

15 U.S.C. 166b states that a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2023-11-30
Company: CITIBANK, N.A.
State: TX
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:
On XX/XX/XXXX I gave notice to Citibank N.A., that I am revoking my consent that was allowing them to keep all security interest from securitizing all of the derivatives of the accounts associated with the person XXXX. I told them from now on they can not start or continue to securitize any accounts, applications, papers, etc., that have my name XXXX on it. They must cease any securitization immediately. 
I also ordered them to delete all my personal data that they have or ever had or ever used as per Privacy Act of 1974 ( 5 U.S. Code 552a ).

Also I requested to opt out from them to report all of my records to any and all credit bureaus as per 12 CFR 1016.7 and to delete all transmitted records. 
I requested to receive a final communication from them within 30 days that the abovementioned was completed in full. 
No response was ever received.

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 2023-12-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My Information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete this illegal accounts form my credit reports. List all these negative accounts for you Equifax credit report. Account names and account numbers and file your complaint with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
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:
In accordance with the fair credit reporting act. XXXX XXXX manage account number # XXXX and XXXX XXXX XXXX account number # XXXX and XXXX XXXX XXXX  account number # XXXX and XXXX XXXX XXXX  account # XXXX have violated my rights.

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

15 U.S.C 1681 SECTION 604A. 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 2022-09-26
Company: LEXISNEXIS
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: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last activate is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15USC 1681 SECTION 602 A Stats I have a right to privacy. 

15 USC 1681 SECTION 604 A SECTION 2 ; Also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the Credit Bureaus took more than 30 days to complete my investigation. I have disputed these accounts SEVERAL TIMES with the same results. 

Attached are the credit reports showing the violations, and other documentation used with my previous disputes XXXX removed the bankruptcy it still appears on XXXX, XXXX the court sent me a letter stating they do not report information to anyone so how are they verifying the information mailed letter to LexisNexis no respond. They are clearly in NONCOMPLIANCE with XXXX reporting requisites per CRGG as well as the FCRA, and thus damaging my credit. I have been deputing this since XXXX with evidence keeps coming back verified but they won't send me proof of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Previously with XXXX ( had a forbearance agreement to defer payments to end mortgage XXXX ) Made 6 payments with XXXX before transfer to Selene. Then denied by Selene for loan modification due to reduced income. I offered to continue making payments but was told can only pay the deferred amount of {$60000.00} to avoid default

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
my dispute, the application doesn't show my social security number. the application shows another persons social security number. according to the fcra which is being violated, I am requesting removing and compensation. I was denied for housing due to this fraud account being on my report, even after I disputed this account multiple times. this is the original application from XXXX XXXX that support my dispute for removal and compensation.

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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: In progress
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-20
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: MI
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, this creditor has violated my rights. Under 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states that a Consumer Reporting Agency can not furnish an account without my written instructions. Under 15 USC 1666B a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.

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 2022-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
When these accounts were opened, I was a minor child at the age of XXXX XXXX XXXX. The accounts listed does not belong to me and are a result of identity theft. I have shown proof of my identity and that I was a minor child at the time the accounts were opened and the companies failed to investigate and see that I was a minor and could not have opened these accounts. They are failing to fully investigate and refusing to remove collection accounts that do not belong to me. I have no knowledge of these accounts listed on my credit report that is affecting my credit. How is this credit reporting agency validating that the account belongs to me and I was only XXXX XXXX XXXX? You are in violation of the Fair Credit Reporting Act. As a credit reporting agency under the Fair Credit Reporting Act, your responsibility is to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: In progress
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: LA
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: Was not notified of investigation status or results

Complaint:
I am formally requesting the removal and deletion of the following accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported on my consumer report, and their presence is a clear violation of the FDCPA and FCRA. I insist that these accounts and information be promptly removed from my consumer report to comply with the relevant laws. I demand their immediate removal to rectify this violation.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I am writing to formally complain about the persistent challenges I have faced in attempting to remove fraudulent items from my credit file with your credit bureau. Despite my numerous and diligent attempts to rectify this situation, the fraudulent entries continue to negatively impact my creditworthiness. 

I have made multiple attempts to dispute and remove these fraudulent items by following the procedures outlined by your organization. However, it is with great disappointment that I must convey my dissatisfaction with the lack of progress in resolving this matter. The continued presence of fraudulent items on my credit report is not only causing me significant stress but also affecting my financial standing. 

Attached to this letter, you will find copies of the documentation supporting my claims, including fraud alert requests, dispute letters, and any other relevant communication. These documents include reference numbers, dates of communication, and any additional evidence that may aid in the swift resolution of this issue. 

I understand the importance of accurate credit reporting and the potential consequences of fraudulent entries on my credit file. Therefore, I request that you conduct an immediate and thorough investigation into this matter. I insist on the removal of the fraudulent items from my credit report and seek a detailed explanation of the circumstances that have led to their persistent presence. 

Furthermore, I seek your assurance that steps will be taken to prevent the recurrence of such issues in the future. It is crucial for the integrity of the credit reporting system and for the fair treatment of consumers that fraudulent items are promptly and decisively addressed. 

If this matter is not resolved to my satisfaction within a reasonable timeframe, I may be left with no choice but to escalate my complaint to relevant regulatory authorities and explore legal avenues to protect my rights. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: In progress