BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
For the past 2 years, I have disputed XXXX accounts in particular that only appear on Experian tradelines. These creditors or debt collectors have not complied with the FDCPA and Experian keeps falsely reporting these items as verified items. Today, I spoke with CS Rep. XXXX XXXX from XXXX XXXX XXXX. On the automated system, it reflects when I put in XXXX XXXX personal identifiers {$0.00} past due and {$0.00} balance. I spoke to XXXX and told her there is a open investigation concerning this account on Experian. She told me that the account was settled out. But when I asked for the date of settlement, she said there was a balance of {$2800.00}. XXXX. She was then asked if XXXX will be collecting on this balance, she replied, " XXXX XXXX XXXX is not collecting on debt but reserves the right to send it to collection. She will be sending in the mail to my mailing address any information concerning this false account. 
I also spoke with XXXX in house recovery dept representative XXXX. I gave XXXX XXXX person identifiers and was told there was a open balance of {$250.00}. He was demanded to send all information concerning account in writing to my mailing address. He refused to do so, although I gave him XXXX XXXX personal identifiers. XXXX refuses to verify debt and EXPERIAN refuses my request to delete tradeline. 
Also XXXX XXXX has cease in its collection efforts to collect on a XXXX Credit card that did not belong to me. I made a complaint to CFPB against XXXX XXXX XXXX who falsely filed a judgment and is only reporting their tradeline on EXPERIAN. Their response was unsatifactory and disputed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
third collection agency I 've disputed tmobile sold to, have disputes & have had deleted each agency that unknown to me how they have my information at all, no I 've disputed this twice & they ( experian ) just leaves it, says it investigated, but they 're not, tired of watching my credit report and score going down the drain. Please help 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 2016-02-03
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calling more than once a day. I remind collector the same thing each day called and even explained options available. I have requested not to be contacted at such frequencies due always the calls are at working hours. Creditors are also calling family members. Some operators have even escalated tone of voice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: United Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called United Recovery Solutions is continually harassing both me as well as my family members saying I took out a loan with XXXX XXXX XXXX in XXXX ( I did not ) for {$5000.00} dollars and if I don't pay them {$700.00} today they are going to freeze all my assets and serve me with an arrest warrant in the next 1 to 3 days. I have explained to them I did not take out a loan and if they are going to serve me please do so and quit calling me and my family members with threats. They continue to call just now they called 3 times in a row demanding I give them the {$700.00} today. Again I have told them to serve me as I do not owe them any money and I will take the papers to my attorney as soon as I receive them.

Company response to consumer: Untimely response
Consumer complaint received 2020-10-01
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: Account information incorrect

Complaint:
XXXX  and Transunion should not be reporting me as authorized user on the XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2018-03-22
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:
My name is XXXX XXXX and I received a copy of my credit report and there was a collection from XXXX that I was disputed it's validity with the three major credit reporting agencies. Once I received more details I realized it was for a XXXX account. I spoke with the collection agency and they agreed to remove it completely if paid in full. I did pay the item and received proof they agreed to remove it as well. I mailed the information to all three bureaus and for some reason XXXX and Experian only showed that it was paid and did not remove it. This upsets me since 1 they did not complete an investigation otherwise they too would have removed it and 2 I sent them proof all they had to do was call them company. I am tired of trying to work with the bureaus because there have been other things that took almost a year to get resolved. I don't have another year for them to do their jobs.

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 2016-02-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On behalf of XXXX XXXX XXXX, XXXX ( XXXX ), the Office of the Consumer Ombudsman would like to thank you for your correspondence received from the Consumer Financial Protection Bureau ( CFPB ) on XXXX XXXX, 2016. Specifically, this letter is in response to your concerns regarding the credit reporting for the above-referenced account. The Consumer Ombudsman 's office was created to provide a resource to assist with unresolved concerns and issues. 

XXXX submitted corrections to the credit reporting agencies to reflect the account paid in full. A copy of the Automated Universal Data ( AUD ) form submitted to the credit reporting agencies is enclosed for your reference. 

You may use this letter for verification, should you need to provide a potential credit grantor with proof that this correction is in process. Please allow three to five business days for the corrections to appear on your file. After that time, you may wish to confirm the corrections have been made by directly contacting the credit reporting agencies as follows : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WHAT HAPPENED

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX. 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 XXXX 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 2022-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 explanation
Consumer complaint received 2015-06-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
I have a file # XXXX from XXXX/XXXX/2012 XXXX Credit Report. My case is this my parents were both ill at the same time, and I was running errands for them, so my mom ordered another credit card from her credit card Sears/Citibank for me so I could get groceries and pay bills for her. When my father passed away she was still left with many bills and XXXX for awhile, she had to banckrupt, and when she did since she had ordered a new card for me, I got stuck with a bankruptcy on my credit along with my husband, I wrote to the company and they never replied. I never signed any contract with Sears/Citiban, am I still liable for this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-11
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
On XXXX XXXX, 2015 I received the following email from XXXX XXXX " We are writing to you today because we have taken an action on your account and wanted you to be aware of this change as soon as possible. We lowered the credit limit on your account to {$2500.00}. The new cash advance limit is {$200.00}. This credit limit is for total spending on all Cards on this account, so if you have any additional Card Members, please ensure they are aware of this change. You will also receive this information by letter .... '' I also contacted XXXX XXXX and a Customer Service Representative stated someone at Experian had notified XXXX XXXX and reported the derogatory information about me to XXXX XXXX. However Experian has also shared the same derogatory information with XXXX XXXX company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I believe Navient has a major issue with the way they are processing my payments. I have Auto-Pay set up, the payment then goes through my XXXX XXXX XXXX account/shows up as a charge in my bank account, then, fast forward a few days and I get a notice from Navient saying my " Payment Reversed '' and the loan is now delinquent. This has happened for several months now. I finally just got off the phone with both my bank and with Navient. Navient states that they have my correct Bank account number and routing number and are insisting that this is a problem with my bank. My bank shows no history of Navient trying to charge my account On XX/XX/XXXX, my loans came out of forbearance, ( Navient told me I should use forbearance rather than deferment ), knowing my account was set up for Auto-Pay prior to the forbearance, I left the account alone, knowing to be paid automatically through Auto-Pay.

On XX/XX/XXXX, I got an email from Navient stating a " FFELP 1st Delinquency Notice ''. However, my account was set up on Auto-Pay so this should not have happened. XX/XX/XXXX, I receive an email from Navient stating " Payment Not Processed '' on all of my loans connected to the Auto-Pay and also an email stating " FFELP 2nd Delinquency Notice ''.

At this point, XX/XX/XXXX I call Navient, speak to a representative and we decide to RE-ENROLL in Auto-Pay and the rep placed me on a 1 month forbearance resuming payments XX/XX/XXXX. XX/XX/XXXX, I receive and email from Navient approving my Auto-Pay enrollment success.

So, I sit back and wait thinking my payments will go through and I will be back on track with proper repayment status. XX/XX/XXXX, I get an email from Navient stating my " Auto-Pay Terminated ''. And at that point I made a DIRECT payment through my bank account that showed up in my bank account, which was then later " Reversed '' by Navient. XX/XX/XXXX, I RE-ENROLL for Auto-Pay a SECOND time and receive an email from Navient stating " Auto Debit Enrollment Approved ''. XX/XX/XXXX, I get an email from Navient " Payment Not Processed '' on ALL of my loans.

I just called Navient and they suggested I make a payment using my debit card over the phone, which I did. They insisted that it was an error on my bank or my part.

I am frustrated beyond belief. I am trying to honor my repayments and maintain a good standing but Navient is making it EXTREMELY difficult to repay my loans. I believe there is an error in their payment processing system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Citibank closed my account without any notice or ability to for me to take action that would avoid the closure. I believe this is an example of unfair and deceptive business practices. My account was in good standing and open since 1998. Citibank claimed that the account was closed due to inactivity. There is nothing in the card member agreement that addresses this topic, nor has Citibank disclosed their policies regarding card inactivity. The card member agreement for this card can be found online at : XXXXI tried to resolve with Citibank, and they forced me to begin a brand new application process that would enter me as a brand new customer. This would void my tenure with this account/institution, and thus have an impact on the portion of my Credit Scores that is tied directly to the length of time that my credit history is intact. This action by Citibank was unnecessary, and it will have a negative impact on my credit rating. As such, my ability to obtain credit from future institutions may be damaged.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
A credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All XXXX credit reporting agencies refuse to remove this account from my credit 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 2017-01-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Since becoming the victim of identity theft ( XX/XX/2016 ), I have had numerous fraudulent accounts opened in my name. I then dispute them with the credit reporting agencies. XXXX and XXXX have been pretty good about deleting the fraudulent accounts and/or collections but Experian will not help me, even after repeated ( and extremely long ) 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 non-monetary relief
Consumer complaint received 2016-05-11
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are XXXX. Experian reports incorrectly that this account balance is {$50000.00}. Experian reports incorrectly that this account is past due {$50000.00}. Experian reports incorrectly this account Credit Limit is {$43000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.

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 2016-01-14
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Issue: Transaction issue

Complaint:
I returned some products to Macy 's via USPS ( they had been purchased online ). Upon rI requested a refund to my method of payment which happened to be my Macy 's credit card. Instead they issued me a gift card. It took me over a month to get them to cancel the gift card and return the amount to their proprietary card. At the same time, I I retunred items from another order which still have not been credited and just this week they did the same thing on some holiday gifts which I had to return. I have contacted thsm so many times but no one seems willing to step-up to just issue the credit. We agree on the amounts so there 's no issue there. Even though I clearly indicated that I was n't a credit back to my card they have now three times issued me gift cards. It seems really sketchy to me and I wonder if they can even legally do this? 
Sorry for any typos ... my computer is having trouble formatting this screen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
On Experian : they did not remove any of these disputed items. I disputed the misspelling of my name : XXXX never ever been called this. I disputed addresses they said I have lived at- XXXX , ND , XXXX, XXXX XXXX- never lived at these places and never been associated with them. Disputed linking my report with the SS # of XXXX no reason at all this should be on my credit report. There was a lot of credit inquiries that I have no clue who they are or why they are inquiring about my credit but the button does not let me dispute them : XXXX XXXX, XXXX, etc. This erroneous information should have been removed as I requested but within 24 hours they said it was settled and all still on there.

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