BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Lowered my credit score from XXXX to XXXX for no reason. After corrections to my report, my score rose to XXXX and now without any new information it was lowered. I have paid my credit card and car, my report should be gradually getting better. It is a systematic way to slander one 's credit score.

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 2016-10-18
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian refuses to remove student loan accounts that have been discharged by the Department of Education on XXXX XXXX 2016. The accounts are with XXXX and with XXXX. Experian is reporting incorrect account numbers on the Dept of Edu/XXXX accounts ; the XXXX account is properly reported as XXXX ... I have attached documents from XXXX, service for the Department of Education, proving that these loans have been discharged and paid in full and at XXXX balance and should be removed immediately 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 2016-06-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian update a fraud alert on my credit report but did not send me an updated report as promised. 

We have received a letter from Experian today concerning a " FRAUD ALERT '' placed on my credit report by a financial institution. The letter does not include an updated credit report as promise by your customer service person. I would like an updated credit report as promised.

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 2021-08-10
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid Citibank loan number XXXX already today I called Citi loan recovery they said I have a balance of {$3800.00} this is wrong balance of this loan is XXXX and my city bank account shows it thus is ana tempted extortion when I asked them tell me when and who charged this {$3800.00} they could not show me that The Citi recovery unit dose not bother to look at Citi bank accounts to see balance is XXXX rather they choose to report account XXXX as collection not paid thus causing be great harm by XXXX XXXX reporting it to credit bureaus as collection I can send copies of bank statement that shows its been XXXX balance this is a hate  crime so XXXX  people dont get credit and attempted extortions by wrongfully demanding money with threat of. Refit collection for non existence valance exact definition of extortion

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 2016-08-25
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This afternoon XXXX XXXX 2016 I called Experian after learning from credit monitoring that my credit score had changed. My XXXX score is very low. The credit monitoring service found several inaccuracies such as my XXXX XXXX auto loan was not reporting and has several dispute codes. I called Experian and spoke with XXXX XXXX and she advised me of the dispute codes that will cause " THE CREDIT SCORE TO NOT FACTOR IN WHEN A DISPUTE IS ACTIVE OR CODED AS CONSUMER DISAGREES ''. I said to her, I did not initiate those disputes and did not recall ever asking XXXX XXXX to dispute them. I asked her to remove them. She told me she could not do so, and said that I would need to speak with XXXX XXXX. She transferred me to his voice mail and got disconnected. I called Experian again and spoke with another individual and asked me for my report number. Rudely, he said he could not transfer me over to special services unless he received my report number. He then transferred the call to special services ( XXXX XXXX ) and the call got disconnected again. Afterward, I called XXXX XXXX senior council at Experian to advise him of the disconnected phone calls. 
The CFPB and its agents must realize that Experian special services is not providing adequate assistance when addressing credit inaccuracies when I find them, instead they make other mistakes causing fluctuations in my credit score and XXXX scores. I believe this is illegal and perhaps as a business practice should be investigated by the CFPB. It is unlawful to compile and disseminate information to manipulate credit scores. There is also reason to believe that Experian does this to many other credit reports and consumers as a practice of lowering credit scores.

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 2015-07-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I responded to an online Ad for a free consultation with California XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation 3 days cancellation right ended on XXXX business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
My Experian report shows that the company XXXX claims that I owe them a debt. I have requested by certified mail multiple times that XXXX and Experian verify and validate this debt. Both have failed to provide documentation that proves I owe this debt. Experian will not provide me any documentation or information in accordance with the FCRA to prove that this debt should remain on my report. XXXX sent me a rental application that was filled out but not an actual lease agreement. A rental APPLICATION is NOT a lease agreement. It is an APPLICATION. Their paperwork does not prove that I owe this debt and Procollect did not provide me with proof within the 30 day time frame allotted by law. THIS DEBT HAS NOT BEEN REMOVED AND MUST BE REMOVED. Both Experian and XXXX have not complied with the FCRA and are in violation. I request this debt be removed from my Experian credit report as this negative remark has cost me money and prevented me from qualifying for credit. I feel that I am being bullied and discriminated against.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: ALLIANT CREDIT UNION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have an Alliant Cashback Visa Signature Card that is suppose to pay 2.5 % cashback on all purchases. My XX/XX/2021 card balance was {$42000.00} earning me {$1000.00}. They credit union only gave me {$250.00} in rewards ... they still owe me {$810.00}. They will not acknowledge any complaints. There is a complete lack of customer service! I have the documents included with my credit card clearly stating 2.5 % cashback for every dollar spent with no limit on the amount of cash back! 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I, XXXX XXXX, swear or affirm:1. That I went to XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXXon XX/XX/20152. That on XXXX/XXXX/2015 I XXXX XXXX was rented a NISSAN VERSA car with incorrect license plates. 
3. That I XXXX XXXX was hit by another car on XXXX/XXXX/2015. ( Police Report no XXXX ). 
The Officer on site noted the correct license plate number on the report. A copy of this report was given to XXXX and notice of incorrect license was given to XXXX upon return of the car. 

4. That XXXX was compensated by XXXX insurance of the person who hit me for all damages made to the car. 

5. That a claim Dispute Reference Number : XXXX for {$450.00} was placed with the Credit Card Company American Express to the above. 
Amex continues to rule in their favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Ive been writing and mailing Experian to remove erroneous information off my credit report, however, they are refusing to properly investigate my proof and correct the information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed the inaccurate accounts that are in my credit report last XX/XX/2021 but to no avail the credit reporting agencies did not fix my problem nor did they investigated or gave me a response. On top of that, they did not verify if the accounts they are reporting are even right! I know that they should be reporting with maximum accuracy but they are clearly not and it's hurting my credit score big time. Please help me resolve this with them as I am losing my patience and I don't know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
The information being used by Equifax to develop their Knowledge Based Authentication XXXX KBA XXXX questions is incorrect and does not allow me to correctly answer the questions and keeps me from initiating online disputes or requesting a free credit report. This incorrect information was also used to keep me from applying for XXXX Membership. I called Equifax to find out how to fix it and was transferred to XXXX people ; the XXXX woman that I was transferred to was extremely rude and laughed at me, and then refused to allow me to speak to a supervisor. I am exasperated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have disputed the same issue, of public record with Equifax XXXX. They have still not deleted the public record from my credit report that is reporting incorrect information. The first time I disputed the information they responded in the allotted time and updated the status, but the information was still incorrect. I then disputed the information again on XXXX/XXXX/2015 they resolved it within the same day and basically said that it was verified, which is literally impossible. I then called and was told, basically that there is nothing that they could do. I informed them of my rights through the FCRA and that I would take action if this information was not deleted from my report, and still they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In the " remarks '' on " XXXX XXXX '' as well as " XXXX XXXX Bank '' it has " consumer disputes. '' These remarks are effecting me getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a concern with Equifax adding addresses and removing information off of my report that they did not have permission to do so. They added an address of XXXX XXXX XXXX on my credit report. I have never lived at this address and they had no business doing so. I also added XXXX to my fraud alert so that potential creditors contact me. Someone removed it. I had it added a few weeks ago and someone removed it. I am not pleased with any of this and Equifax is about to have a lawsuit on their hands if this is n't resolved in the next few days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had fraud items removed from equifax has put them back on with out any notice regarding that they were going to re insert the items. Each company that pulled my credit can show that they were not on my credit and you can see the date from when they were open from XX/XX/XXXX and XX/XX/XXXX these accounts are fraud i sent in my police report and FTC AFFDAVIT signed and notarized years ago regarding these accounts. They claim they ca n't find my documents but these accounts were removed from my credit a long time ago they are breaking the law and XXXX to me about these accounts. 

They have split my file and now i ca n't even get a score because of what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: National Credit Adjusters, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed the collection accounts with the 3 credit bureaus, and they indicated that the debt was verified and validated. I mailed a second letter and requesting that they provide me the information that was collected and how the information was verified from the company. 

I have not received a response from the neither credit bureaus and its been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: VALLEY NATIONAL BANCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am a XXXX woman, who is a XXXX. On XXXX XXXX 2016, I visited a branch of Valley National Bank located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I went to discuss the possibility of opening up a teen checking account. The guy named XXXX XXXX XXXX ( manager ) kept questioning me without any willingness to help and with obvious discrimination on my race and gender. He later rejected me rudely without giving me any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a new address for me listed on the Equifax report. It 's show XXXX, Arizona. I have never lived in Arizona. This address is blatantly an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax is charging consumers XXXX $ for 30 days of credit monitoring. The issue at hand is that the website area that allows you to dispute and check on the status is not working correctly, so we are all being charged for a service that is simply not being provided. I have called 4 times trying to resolve the issue and nothing is being done about it. Second issue is they are not updating the credit reports accurately even after all disputes have been resolved. They are taking advantage of the American people and something needs to be done about it. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THEFT THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT AUTHOURIZE OR BENEFIT FROM. I HAVE TRIED TO GET THIS ISSUE RESOLVED SEVERAL TIMES BUT NOBODY SEEMS TO HELP ME I AM LOSING SLEEP OVER THIS I AM GOING THROUGH EMOTIONAL DISTRESS AT THIS POINT IF THIS ISSUE IS NOT RESOLVED I AM GOING TO SUE THE BUREAUS THEIR JOB IS TO REPORT FAIR AND ACCURATE INFORMATION I HAVE FILED AN FTC REPORT AND BY LAW THOSE ACCOUNTS SHOULD BE BLOCKED WITHIN 5 DAYS OF RECEIPT. THIS IS MY LAST ATTEMPT TO TRY AND GET THIS RESOLVED OUTSIDE THE COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These attached accounts DO NOT belong to XXXX XXXX XXXX after a thorough investigation was completed and no viable evidence provided. 

XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$2500.00} PAYS 61-90 DAYS XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$1500.00} XXXX/XXXX/XXXX {$44.00} PAYS 31-60 DAYS {$1000.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$7300.00} XXXX/XXXX/XXXX {$7300.00} CHARGE-OFF {$3500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$570.00} XXXX/XXXX/XXXX {$190.00} 120+ DAYS PAST DUE {$400.00} XXXX XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$690.00} 120+ DAYS PAST DUE {$2500.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$4800.00} XXXX/XXXX/XXXX {$740.00} XXXX DAYS PAST DUE {$2300.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5200.00} XXXX/XXXX/XXXX {$750.00} 120+ DAYS PAST DUE {$2700.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$770.00} XXXX/XXXX/XXXX {$170.00} PAYS 91-120 DAYS {$600.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$1800.00} XXXX/XXXX/XXXX {$300.00} 120+ DAYS PAST DUE {$1700.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$2600.00} XXXX/XXXX/XXXX {$350.00} 120+ DAYS PAST DUE {$2400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$560.00} XXXX/XXXX/XXXX {$100.00} PAYS 91-120 DAYS {$400.00} XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$6700.00} XXXX/XXXX/XXXX {$760.00} 120+ DAYS PAST DUE {$6000.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$450.00} XXXX/XXXX/XXXX {$120.00} PAYS 91-120 DAYS {$300.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$5700.00} XXXX/XXXX/XXXX {$790.00} 120+ DAYS PAST DUE {$5100.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX CHARGE-OFF {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$840.00} XXXX/XXXX/XXXX {$150.00} PAYS 91-120 DAYS {$700.00} XXXX XXXX XXXX Show Details XXXX XXXX/XXXX/XXXX {$5600.00} XXXX/XXXX/XXXX {$1000.00} 120+ DAYS PAST DUE {$5500.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3600.00} XXXX/XXXX/XXXX {$380.00} 120+ DAYS PAST DUE {$3400.00} XXXX Show Details XXXX XXXX/XXXX/XXXX {$3100.00} XXXX/XXXX/XXXX {$430.00} 120+ DAYS PAST DUE {$2500.00} Please update your records accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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: Public record information inaccurate

Complaint:
TransUnion is reporting a bankruptcy with docket # XXXX which is not accurate. They are the only credit report showing it.

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 2017-01-13
Company: DISCOVER BANK
State: WI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have two student loans that were purchased years ago from XXXX by Discover Student Loans. Last XXXX, after months of attempting to set up automatic EXTRA payments on my highest interest account each month without spreading the payment between the two loans, I was able to successfully do this over the phone, which the company said was the only way this type of payment setup could be done. I set it up so that in addition to my minimum payment, which drew automatically from my checking account on the first of every month, that on the second of each month, an additional {$260.00} would be drawn from my checking account to pay down principal on my loan that was nearing ( now over ) 9 %. Today, I called to increase that extra payment to {$580.00} on the second of each month, only to discover that the payments I 've been making for the last 10 months in fact were not going solely to my highest interest loan as I 'd been told they would. They have claimed that this will be corrected retroactively in the next 7 days, but that there will be no notification once the change is made, I 'll simply have to check the balance to see whether it has reduced in the high-interest loan and increase in the low-interest loan. I worry this will have an effect on my XXXX document needed for filing my taxes.

Company response to consumer: Closed with non-monetary relief