BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian has not given me an updated credit report and score for XXXX XXXX. Also, I paid for a subscription, and they still did not update my account or show me the current report and score. 

I called them XXXX times and was on the phone with a rep for XXXX XXXX each time, they were not able to update my account saying it's a glitch. even on my other apps the credit report comes back over XXXX XXXX XXXX 

I have been turned down magnitude off times because Experian has not been able to show a credit report or score for me in over XXXX XXXX  please update my report and score and fix my Experian account please.

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 2023-12-18
Company: Nelnet, Inc.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have tried calling into Nelnet since the start of the repayments to ask about the relief on of my XXXX loan that has been in repayment status since XXXX. I am never able to actually reach a representative unless I want to wait on the phone for over an hour. I am sorry but I don't have this type of time to waste on the phone. I did transfer the loan from XXXX in XXXX of XXXX to be able to qualify for this relief that is being given per XXXX XXXX. I did reach out to student aid.gov and was told to reach out to my student loan provider. I have also sent a few email through the Nelnet portal, I still have not received a type of response from the email back in XXXX of XXXX. I also can not find any of the sent emails as Nelnet will not show the sent emails, only the inbox. 

I tried again to reach out to them on XX/XX/XXXX to find out a couple of question : XXXX the status of my XXXX XXXX XXXX XXXX XXXX application that I had to do AGAIN in order to afford my payment. not happy as it looks like it is resetting the loan back to XXXX payments on my XXXX and graduate loans. XXXX. I just made a payment of XXXX on XX/XX/XXXX and the applied it how ever they felt. I wanted this to be applied to outstanding intrest. XXXX. I again want to see about the relief on my XXXX loan. When I finally made it through all of the prompts it was an estimated wait of XXXX mins. This is just unacceptable for a company to leave its customers in the dark with very little communication regarding this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I apply for a loan to get a XXXX online but the seller call me and tell me the I don't qualify for this car and XXXX XXXX XXXX XXXX sell me a Kia he bring the car to delevery in my house I signed the document ovethere but the person never give me a copy or the contract when I go back to the dealer to ask for the contract the seller give me a document different the one the I signed AND I SEE THE dealer open me a JOINT account with my grandfather that fraud and I have the car registration. He is no my cosigner. Is a joint account and I live in Florida.

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 2023-12-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I provided XXXX with my card and they continued to charge my account repeatedly as well as multiple XXXX transactions that I or my authorized user did not authorize at all. I called JP Morgan Chase and I begged them to investigate these charges and to give me back my money. Someone named XXXX called me this morning XX/XX/23 asking me to provide my order history with instacart and I told him I had deleted my account with them because they charged me repeatedly and he asked me to reach out to them and they would be willing to give it to me. After 3 long hours, XXXX still did not provide me with ANYTHING regarding my history. In fact, XXXX was basically accusing myself and my authorized user for making these charges when I begged him to please reconsider and give me the supervisor. Instead, he continued to tell me " there was compelling evidence against me. '' He then PROMISED that a supervisor would call me within 24 hours but I just received a letter from Chase on the online portal basically telling me that all the charges are valid. This is NOT how a bank should treat their consumer. 
The letter denying my claims listed " Merchant has provided contractual agreement on this transaction. '' for every single transaction I disputed. Where is the evidence? How could you let a merchant TAKE MY MONEY without my consent and you would allow it and reward it? I demand these charges to be charged back and put back into my account.,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-19
Company: U.S. BANCORP
State: GA
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:
My credit report shows an unpaid charges on a closed credit card account which did not belong to me. It also shows address and phone number listed on my report that I dont recognize.

This negative report reflected my credit score and also new application.

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 2023-12-19
Company: LEXISNEXIS
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LexisNexis is reporting an alleged bankruptcy. I would like the verification of this alleged bankruptcy. LexisNexis does not have my written consent to report any such information and this is a violation of my right to privacy. LexisNexis must stop report this such information immediately or I will sue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: U.S. BANCORP
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I completed a balance transfer with a 12 month 0 % APR XXXX 

I did not have any other balance on the account at the time of the transfer. 

In XX/XX/XXXX, I received a promotion on new purchases - 0 % for 6 months. 

I used the card to pay my taxes. 

Therefore I had a promotional 0 % balance transfer until XXXX  AND a 0 % transaction on the one and only purchase until XX/XX/XXXX I made a payment in mid XXXX, in the exact amount of the expiring 0 % XXXX  balance. This payment was made via a balance transfer from another card, I didn't know the exact date the transaction would post. 

My impression from the CARD act was that the payments post in a way that advantages the consumer, not the financial institution. 

Instead, this payment posted in the most consumer disadvantageous way. It completely paid off my 0 % XX/XX/XXXX balance. Then the excess paid toward some of the XX/XX/XXXX blanace. 

The justification? At the time the payment posted, both balances were 0 %. Since there was no " higher '' interest rate. The payment was applied towards the oldest unpaid transaction, which occurred in XX/XX/XXXX, and the time of my balance transfer. 

Therefore, because a payment posted a few days before the interest rate increased, I now lost the remaining 5 months of 0 % interest AND immediately have a balance accruing interest. 

This seems completely contrary to the spirit of payments posting in a way that advantages the consumer. 

I spoke to a couple of representatives from the financial institution, and while they were somewhat sympathetic, they did not feel they could alter the way the payment posted or revert the 0 % promotion. They simply said the disclosures indicate this is the order payments post when interest rates are equal. I would argue that just because the disclosure states something will be done, it doesn't mean it is lawful to have a policy that can still intentionally disadvantage the consumer.

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 monetary relief
Consumer complaint received 2023-12-19
Company: U.S. BANCORP
State: NV
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Company is US BANK and I have recently become a victim of identity and fraud theft as a result of the local postal delivery mistakenly delivering mail to the incorrect apartment number. This unfortunate incident allowed an unknown individual to gain possession of my card and unlawfully utilize my personal information to modify bank account details, granting them access through the automated system and enabling them to withdraw money. It was the bank who alerted me to this unauthorized activity and we started the process for the claim and filed yet they denied it. Despite accurately providing our address, we have encountered numerous instances where our neighbors have returned our mail. Furthermore, there have been occasions when we have received mail intended for residents of other apartments as well. Could you please assist me in resolving this matter? I am currently facing a situation where I am receiving mail intended for multiple individuals who do not reside at my address. 
{$7700.00} funds stolen from XX/XX/2023 - XX/XX/2023 i want the bank to complete a proper investigation as they did not even investigate longer than a few days before declining the claim ( dispute claim # XXXX XXXX XXXX XXXX XXXXXXXX

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 monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
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:
There is an incorrect Social Security Number on my report. I am unaware of this person and I suspect whomever this is has fraudulently opened accounts that has led to collections and negative marks on 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 2023-12-19
Company: Experian Information Solutions Inc.
State: CO
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:
Account # XXXX is in violation of multiple regulations. Firstly, under 15 USC 1681a, it fails to provide accurate consumer information. Additionally, by not adhering to 16 CFR 313, the account neglects required procedures for opting out of information sharing. Moreover, the absence of clear consent breaches 15 USC 6802 and 15 USC 6803, violating privacy and consent standards. Furthermore, non-compliance with 15 USC 1681b is noted, indicating failure to uphold permissible purpose requirements. The account also runs afoul of IRS Pub 4681 and 5 USC 5528 by not reporting discharged debt as income, violating tax and disclosure obligations. These violations include the illegal reporting of transactions and sharing consumer non-public information with non-affiliates. Immediate corrective action is necessary to rectify these breaches.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
was the victim of an XXXX breach, which resulted in the theft and unlawful use of my information and left me with a mountain of debt that needs to be fully wiped 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 2023-12-19
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 USC 1681. XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The companies detailed below added unauthorized inquiries to my credit report without my knowledge or consent. I contacted these companies throughout the second half of the year, and I have yet to receive a response. 

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 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 Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX has been reporting false information on my report for over 2 years now. I have requested validation and investigation into the credit reporting over 5 times now. I submitted in writing, email, mail, documentation for dispute. XXXX has filed a fraudulent civil suit that was dismissed, they are violating credit laws, and keep reporting to credit agencies about an account that is past the statute of limitations. Experian has refused to follow laws and investigate my disputes. They continue to send the same generic response " the account has been verified as accurate ''.

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 2023-12-19
Company: Experian Information Solutions Inc.
State: VA
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 reached out to Experian, XXXX and XXXX in XXXX of 2023 regarding information reporting on my credit report that I can not identify as being mine. They stated I needed to file an Identity theft report regarding the inaccuracy of my report. On XX/XX/2023 I mailed off Certified documents such as my FTC.Report, drivers License, social security card, proof of residency, a notarized affidavit report and a personal letter supporting the fraudulent Activity. They responded after the 30 days allotted time and said I needed my supporting information for my identity theft. I have filed yet another identity theft report as well as an XXXX XXXX Report that supports my information has been compromised and I do not know of the accounts or inquiries reporting. These are the COMPANIES AND ACCOUNT NUMBERS and inquiries as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
dear sirs, submitted id theft report, ftc report # XXXX, police incident report and XXXX, equifax continue to report on my credit file about a bankruptcy.i never filed for a bankruptcy and a bankruptcy is showing up as public record in my credit file. 
please indicate to XXXX and equifax that they are reporting incorrect information in my credit file.I already sent them documents attached and still they continue to report incorrect information about public record, bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
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 XXXXXXXX  i sent certified mail XXXX, XXXX, and equifax containing all the fraudulent items on my credit report. the certified mail contained the violations the credit reporting agencies are in violation of along with my signature, a notarized statement that my permission was ever given, as well as a copy of my state drivers license. title 15 us code 1682c-2 states items must be locked and removed within 4 days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: TX
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've attached the required documentation to validate my stance. I appreciate your swift action to address and correct this issue by ensuring the removal of the account from my credit report. Your prompt attention to this concern is greatly valued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Today, XX/XX/XXXX, I attended a Small Claims lawsuit hearing brought against me by Portfolio Recovery Associates LLC, represented by XXXX XXXX XXXX. In the Small Claims document it states that I owe {$810.00}. I explained to the lawyer that I have a document sent to me from Portfolio Recovery Associates LLC on XX/XX/XXXX that states I owe {$850.00} and that the telephone number on the Small Claims document is not mine. It is an Iowa number and I have never lived in Iowa. He said that sometimes minor discrepancies like these happen but that I still have to pay. I asked that he present documents showing that the debt is mine and that I formally deny that the debt is mine. He went on to explain preponderance of evidence and that he was sure I would have to pay regardless of the errors. He assigned a trial of XX/XX/XXXX. He said XXXX XXXX would me validation of debt package. In addition, I am XXXX XXXX XXXX, retired and my only income my Social Security monthly benefit. I would like CFPB 's help in this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: FL
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX, XX/XX/2023. I never applied for credit, especially with XXXX XXXX. 

XXXX XXXX XXXXXX/XX/2023. These, I assume, came with car shopping as a co-signer, I didn't know they were going to submit credit applications to other banks. 

XXXX XXXX XXXX, XX/XX/2023. Also, I assume these were from car shopping ; however, they never mailed a reason as to why and I never approved of them running it XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/2023. I applied for a credit card but didn't know they would leave a hard inquiry on my credit report. 

XXXX XXXX XX/XX/2023. Just went in to look around for a car, but never purchased it from there. Also never gave consent to run a credit application because we didn't need to.

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