BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: NJ
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 have sent XXXX, XXXX, And Experian my identity theft Claim. They are furnishing student loans on my reports that are identity theft and i also never given written permission for these accounts to be furnished on my report pursuant to 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT AND EXPERIAN, XXXX XXXX XXXX HAVE BROKE THE LAW This isnt fair to me and i am losing faith in the system and if these companies want to continue doing business with me, Then they need to remove these accounts off my report. 

I am attaching my identity theft report and my letters that were sent.

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 2022-09-02
Company: U.S. BANCORP
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am a victim of a XXXX scam. I wanted to purchase a wedding dress from a used wedding dress website for my upcoming wedding. A seller was selling a XXXX XXXX wedding gown named XXXX for {$4500.00} on the website XXXX XXXX ( XXXX ). There was no portal to communicate through the website so I was emailed by the seller. I was requested to pay {$2000.00} via XXXX to a XXXX XXXX. I made the XXXX transfer of {$2000.00} on XX/XX/2022 from my U.S. Bank account. I never received the wedding dress and the seller is unable to be contacted. I have disputed the transfer with U.S. Bank and my dispute was rejected. I never got my money back. All I wanted was to get a wedding dress to get married in and someone took advantage of that.

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 2018-05-06
Company: Experian Information Solutions 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:
cra violation not mine inaccurate information sent ftc and po report

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 2021-05-07
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: Investigation took more than 30 days

Complaint:
This is the second complaint attempt I have made to get the is issue resolved with your company. My first complaint was sent to the CFPB on XX/XX/21, and that complaint was sent back due to you stated that my complaint was submitted by someone other than my self. This could not be further from the truth. My complaints with your company are 1000 % legitimate and 1000 % from me and me only. 

Your company has shown no attempt to get my issues resolved. All you have done is at every turn attack my character, belittle me and my complaints, and cause me mental, physical and emotional stress. I feel that your attempts to circumvent the rules set out by the FCRA. I also feel that this behavior on your part is a direct reflection of how you treat people of XXXX in this country. You have done nothing to aid my is correcting the issues with my credit profile even after I notified you that my information was compromised during the XXXX data breach which was 1000 % you fault due to your negligence. 

My original letter advising you of the issues you have caused due to your knowingly false reporting was sent in on XX/XX/21. Todate you have still ignored my complaints even though they are 1000 % valid and based on the rules set forth your failure to respond or act in a appropriate manner and remove all the questionable accounts and information in question presents a clear and present reason to remove all the inappropriate data in question. 

Please act accordingly and conclude your investigation and remove all the questionable and false reporting data in question due to you have had more than 30 days. This gives a clear and present reason to immediately remove those items from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: ALLY FINANCIAL INC.
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
To whom it may concern, Please be advised that I have made several attempts in correcting the information that has been incorrectly updated and inaccurately reporting to XXXX, XXXX and XXXX XXXX. I have submitted all information from Ally in regard to the release of rights and ownership of the vehicle that is being reported as an open account and it is stating that I have been making on time payments for a vehicle and lease I no longer have or own. Ally themselves have sent a letter regarding the release of ownership from me and I have attached it to this information I am providing ( sent to me XX/XX/2022 ). XXXX XXXX, XXXX and XXXX reports as though I have had the vehicle with on time payments for over 3 years after having had returned the vehicle ( Documents are attached to support ). I have sent a letter to XXXX XXXX and XXXX XXXX that was received no later than XX/XX/XXXX by certified mail ( documents are attached with specific dates received individually for each as well as copies of the letter that was sent ). XXXX XXXX and XXXX have responded although I have yet to receive any information back from XXXX in regard to deleting my account with Ally from their reporting ( documents are attached to support ). XXXX, XXXX and XXXX XXXX have allowed Ally to report consistently and incorrectly my information and have done nothing regarding the fact that they still have this information still being reported inaccurately. This again was the second time for Ally to correct changes and only to report it inaccurately yet again. It is my right to have an accurate credit file and errors like this are detrimental to my well being. It is in direct violations of my rights according to 15 USC 1666 and I am looking to execute FCRA section 611 for the inaccuracy of the disputed information and looking to have all record with any reporting from Ally removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: EQUIFAX, INC.
State: AZ
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:
XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX has not provided a signed contract between XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-29
Company: Navient Solutions, LLC.
State: PA
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 began XXXX  school but was working full time. Navient automatically placed my XXXX loans into deferment when I began XXXX  school without my permission. I contacted them in either XXXX or XXXX upon noticing this and asked them to take them out of deferment, as I was working full-time and able to pay them. I was advised by the customer service representative that I should not do this and that the loans should always be kept in deferment while in school. I listened to them as I believed they knew best being the loan servicer. I was not notified that keeping my loans in deferment would substantially increase the interest that I now owe on them. I believe that the company misled me without properly informing me and am now left drowning in even more student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act DEPT OF ED/XXXX Account # XXXX, and DPT EDXXXX 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. 

In accordance with the fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: AES/PHEAA
State: DC
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:
Complaint # 1 : In earlyXX/XX/XXXX, I requested an update to my monthly payments with Fedloan Servicing ( or Pennsylvania Higher Education Assistance Agency ). It took Fedloan 3 months to switch me to a new payment plan. In those 3 months, I was in forbearance, which meant I lost out on months worth of payments towards my Public Service Forgiveness Loan program. Please note, I contacted Fedloan before XX/XX/XXXX about updating my repayment plan. 
Takeaway : Fedloan Servicing purposely took their time to switch me over so that I would be in forbearance longer. 

Complaint # 2 : Following the update to my monthly payments, a " late/missing '' payment started appearing on my account homepage and I started receiving letters about it from Fedloan. When I contacted Fedloan ( because I 've been enrolled in direct deposit sinceXX/XX/XXXX, so how can I have a late/missing payment? ), I was informed that the payment update created a glitch on their end and that the " late/missing '' payment was incorrect and would be removed. That was in the summer of XX/XX/XXXX ; it is XX/XX/XXXX, the " late/missing '' payments are still on my profile, I 'm still receiving emails and now inquires about it when I call Fedloan. And when I do remind them that the mistake is theirs and should have already been resolved, I get the runaround. 
Takeaway : Fedloan Servicing incorrectly billed me for a late/missing payment and is incompetent in fixing their mistake. 

Complaint # 3 : In XX/XX/XXXX, a customer service rep informed me of the qualifying payments I have made towards my Public Service Loan Forgiveness Program. When I received the official letter from Fedloan, my qualifying payments were less than what I went over with the rep.I followed up with Fedloan, and of course, no explanation other than it would be put in review, which could take months to address. 
Takeaway : Fedloan Servicing is purposely and unprofessionally, reducing the number of my qualifying payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
When pulling my credit report through Experian there is a judgement in my name at the XXXX County Superior Court 2 for XXXX XXXX XXXX XXXX. I have contacted the XXXX County Superior Court and Clerks office about this judgement. They sent my copies. I do not see this judgement as well as the XXXX County court. It is not in their records. 
I have contacted XXXX XXXX XXXX XXXX and they stated that the account was closed. 
I am disputing this because the judgement is keeping me from proceeding with my line of credit. My credit counselor has advised me to take care of my judgements in order to help my credit score. I have taken care of everything but this account is incorrect. 
Please help me to get to the bottom of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-25
Company: CITIBANK, N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In late 2012 I was given a big pay cut at my company. My wife and I contacted Citi Mortgage to see if we had any options to lower the rate or lower the amount for at least a short term. They offered us a HARP loan modification that would take our payments down almost 200 per month. We asked for paperwork and what they needed to get this started. up until this point we were on time with our mortgage every month without issue. They had us send in money that they would " Hold '' in order for the modification to be approved.We made double payments to them and the money is shown on our account but never applied to it. They approved the modification and gave us a new monthly payment. After a few months I was looking at getting a new car and my FICO score dropped over 100 points. Once I looked I found Citi allowed us to go behind 5 months to show " need '' even though we still sent in money. This kept us behind for months, but the damage to my credit was done. I have asked and disputed the reports for years to the point I can no longer dispute it. My mortgage should never have been behind and they hid behind a federal program that was to help people in order to ruin my credit. I have no other options now and these marks need to be removed.

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I called Transunion and explained the federal law and that there was information i didnt consent to be on the report or i didnt report. I asked them to remove it because the items were not mine. they refused to remove. I then stated that they were in violation of 15 usc 1681n. the employee told me they knew and continue to tell me that the information will not be removed.

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 2021-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
My TransUnion account shows a collection account for XXXX XXXX XXXX XXXX I contacted XXXX. The account was closed and charged off in 2013. I filed a dispute with TransUnion and the contacted the current owner of the collection, XXXX  and XXXX XXXX They verified the account as accurate but, they did not check into the charge off date and date of last payment. I have tried to contact XXXX and XXXX but they will not provide me with any information but continue to make harassing and threatening phone calls.

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 2018-08-14
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: Information belongs to someone else

Complaint:
Experian needs to delete and block the following fraud account immediately from my credit report : 1. 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 2018-05-18
Company: Navient Solutions, LLC.
State: NM
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:
XX/XX/2018 I resubmitted my income foe my repayment plan. My income has only gone up by {$1000.00} last year my payment was {$79.00} this year it is {$540.00}. I have call a number of time trying to get this worked out. Navient keeps telling me my income has gone up {$29000.00}. I do not understand how my income going up by {$1000.00} cam more then triple my payment. I have renewed mt income the same way every year. studentloans.gov the IRS pulls the XXXX over and then submits it to Navient. I need hepl in this matter as my income has only increased by {$1000.00} and can not afford to pay XXXX each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-31
Company: Experian Information Solutions Inc.
State: VA
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:
Section 604 requires a credit bureau to remove this { XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX XXXX crime violation ( XXXX XXXX is XXXX XXXX XXXX ] in the Honorable XXXXXXXX XXXX credit report. Section 604 and VAWA act protect the Honorable XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the Hon.XXXXXXXX XXXX credit report in this pandemic. XXXX XXXX has resided in Washington DC capital belt area. ( Not in Arizona ).

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 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX has not provided a signed contract between XXXX XXXX XXXX and XXXX XXXX that give authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
Company: CBC Companies, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are many accounts with my name on them but with incorrect information such as addresses and phone numbers. The addresses and phone numbers following do not belong to me and never did belong to me ; XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX

Company response to consumer: Closed with explanation