BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NV
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} XXXX XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$2300.00} XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$390.00}

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 2023-02-11
Company: Experian Information Solutions Inc.
State: NY
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. 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, 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 1681's-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 inforation 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 2023-10-04
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03
Company: CITIBANK, N.A.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
on XX/XX/2023 citi bank sent me an email stating they wish to end the relationship with me conserning my checking account after just opening the account and depositing funds. i contacted the bank they told me that they will sned a letter as to stating why in the mail along with a check in the amount of my funds around XXXX i have not recieved the letter nor the funds i keep calling them the keep telling me the back office is the one with the answers but wont allow me to speak with them they state that they email them and im to call back in 48 hours for the response this has been going on for the last 6 months i dont owe them any thing i offered all legal documents as to prove who i am they said i been varified but yet still wont give me my money back this has put me in a big hard ship as i have limited income.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My HELOC loan From XXXX XXXX XXXX XXXX was transferred to a new company XXXX XXXX ( wholly owned by a company named Mr Cooper ). During that process the new company did not adequately communicate with me regarding the loan and seemed not to understand that a HELOC provides a line of credit to the borrower and was confused when I requested checks. As I am planning on making renovations to my house I decided to open a HELOC with a new provide and payoff the loan with XXXX. As you may know XXXXMr Cooper was hacked on XX/XX/XXXX and took down their systems. I have been unable to contact then to get a payoff or even check on my loan. They have not only disabled their entire online interface, but have also closed their call center, and their automated phone systems has stopped working. The company has provided no information whatsoever regarding the nature of the attack and has provided no guidance or information as to when systems will be restored. This is simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: LEXISNEXIS
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus XXXX, XXXX, Equifax. I demand that they give me an answer corresponding to all the letters previously sent. 

I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. 

Below I attach the letters sent to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

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 2023-10-27
Company: CITIBANK, N.A.
State: NV
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank closed XXXX store specific credit cards ( XXXX XXXX XXXX Best Buy ), XXXX Citi Simplicity credit card and XXXX XXXX XXXX ( Authorized user ) without any notice and XXXX different agents refused to provide me with any information as to why all of my Citi cards had been closed on the same day XX/XX/2023. One agent went as far as telling me to call XXXX if I wanted more information. A second agent referred me to a letter in my document center that I was also not notified about that stated for me not to call Citi and they will not provide any additional information. I called and a second agent told me the bank decided to close all of my accounts and refused to give any additional information. I was then transferred to another agent who stated they were all closed due to fraud risk, but I have never reported any fraud on any of the credit accounts. Not a single person at Citi provided me with any additional information and then insinuated that I am the fraud risk even all of the accounts are over XXXX XXXX XXXX, no fraud has ever been reported, there is no unusual activity, the accounts have never been past due 30 days or greater and are all current with possibly XXXX returned payments between all accounts during the life of all the accounts. No one would answer any of my questions, refused to transfer me to a XXXX and would not document my complaint. When my mother, the primary XXXX XXXX account holder called, they gave her a completely different story than what was explained to me and the agent released my financial information to my mother, which completely violates my privacy. A final agent I spoke with advised me to write a letter ( attached for reference ) to Citi requesting my accounts be reopened and that would 100 % guarantee the issue would be resolved and the accounts be reopened, which left me extremely skeptical and untrustworthy of the agent and the information provided. All I have received from Citi is deception, lies, privacy invasions and complete disrespect. I have done nothing wrong, I have made all payments and I have been treated like a criminal that is not being told what the alleged reasons are.

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 2023-04-01
Company: Experian Information Solutions Inc.
State: MI
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:
The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on the account is DELETED from other bureaus and I have doubts about their accuracy the reported payment history on the account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I got a credit alert that the card was closed and I contacted the company and they said that they sent a letter that I did NOT recieve explaining the reason why they closed the account. 
I have never missed a single payment since over 10yrs ago when i opened my account. 
I belive that this was done in error and the company needs to correct this error by re-opening this store credit. 
Thanks

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 2023-02-17
Company: Chime Financial Inc
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX i sent XXXX to my husband using the XXXX XXXX XXXX using his phone number.After sending the money i ask my husband did he receive the money and his response was no so i immediately filed an dispute with chime. chime open the dispute and then denied and close the dispute. i the. got upset and demanded them to reopen my dispute because my husband did not receive the money however it went to another chime user with the same phone number. i informed chime that that person was t my husband and ask y will they allow two ppl with the same number to open an account. also i wanted to know why didnt they take in security measures by confirming the person before you send your money using the pay anyone service. also i requested the money back from the unknown person the request keep going to my husband. so my question is how can the request come to him but not the payment. i feel chime thats chime are scamming customers and and not protect them. Please investigate this matter be i want and need my XXXX. Chime customer service needs to do better

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: EQUIFAX, INC.
State: AR
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Maximus Education, LLC dba Aidvantage
State: MN
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:
I reviewed my bank transactions and it appears that on XX/XX/XXXX aidadvantage reactivated my direct deposit automatic payments that have been suspended since XXXX without notifying me ahead of time and have calculated a monthly payment amount that is higher than my past payments. I did not reactivate my payments and have not had my income based repayment amount calculated for several years and recent policy change should have lowered my payment. They have reactivated automatic payment without forewarning and i am losing out on earning intrest because of this withdrawal months before payments are actually due. I called but they were on the automated line only and i could reach a representative to protest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've disputed in past and was hoping to settle amicably and quickly. the account XXXX XXXX XXXXXXXX here is in question. JUST TO BE CLEAR THERE ARE TWO ACCOUNTS WITH THE SAME NAME AND ACCOUNT NUMBER. This isn't the first time I've disputed as i gather all my ducks, to take you to arbitration this will be my last attempt to handle this manner quickly and urgently. Right now I have a false score because of these incorrect furnishes. I want to know who certified the verified information on this account name and number and comments for discovery in possible action. Both accounts where open on the same day XX/XX/XXXX, one alleged balance of {$750.00}, and the second for {$1700.00} on a third party source you use I see no payment history. A judgement was entered against me in XXXX of XXXX with the name XXXX XXXX address of XXXX XXXX XXXX XXXX XXXX Az XXXX being the originals creditor named XXXX XXXX XXXX XXXX that doesn't provide the amount owed nor do i see the first date of delinquency, if they are trying to collect and report on a 7 year old debt it needs to be removed and BLOCKED immediately. These are two different debts, that the debt collector holds with the same account number, the same open date with two different amounts. this is very incorrect and misleading. I will attach the information provided to me from the debt collectors who unlawfully made serval hard inquires on my credit report after a dispute, phone, call or complaint. It's more than obvious that this reporting is effecting my ability to rent and obtain credit.

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 2023-10-11
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  and Equifax credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Affirm Holdings, Inc
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had affirm in the past but it was included in XXXX  XXXX bankruptcy. 

I tried reapply year later and they said I cant have accounts cause I owe balances? But they were cleared out in bankruptcy! I apply again and all my information, driver license, address are correct then it says they cant verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions Inc.
State: NV
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 am writing to you because I am concerned about the accuracy and honesty of bureau 's data. According to FCRA section 611, It Is important that we have accurate records on file with those who rely on them most- including not Just customers, but also potential lenders or employers. After doing some research into XXXX XXXX compliance standards I have found that there may be some inaccuracies in reporting going forward. If these issues are not promptly resolved I would love any feedback possible before taking action against you later down this rood together. The inaccuracies that are currently my report are having a serous negative impact on my quality of life The data on my credit report is of high importance and is currently not a representation of who I am financially because it is inaccurate I am demanding accurate documentation so you can document me- the person who deserves status, Society - correctly Please make sure that all inaccurate are removed Immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.

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