BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After previous identity theft in XXXX, put a credit freeze in place with all three credit reporting bureaus. On XX/XX/XXXX I found out that XXXX Bank had pulled a credit report on my through Experian. I was surprised by this, as I had not requested credit, and I had not lifted my credit freeze. 

I attempted to log in to my Experian account to verify the status of my credit freeze, and found that I could not login, and that the account was now associated with an email I did not recognize and had never used. I inferred that my credit at Experian was no longer frozen, and that someone had hacked in to my Experian profile to unfreeze it and then apply for credit. 

Experian has been of no help to me in resolving this issue. It is impossible to reach a live person on the phone. All options on their voice mail menu lead in circles, and a recorded message even says that " I'm only able to transfer people in limited circumstances '' if you ask for an operator or representative. 

Although I was able to stop the unauthorized accounts at XXXX from being opened by contacting XXXX, I believe that my credit information is not secure with Experian, and that this can and will happen again. I also believe that Experian does not have enough safeguards in place to prevent an unauthorized person from taking over/hacking an Experian profile. A quick search online shows that exactly this has started happening to many people -- they find their Experian accounts have been taken over and are now associated with someone else 's email, and that person now can remove credit freezes and fraud alerts. 

Experian needs to fix this problem quickly, and they need to answer their phones instead of referring people to prerecorded messages and their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
There is a negotiation and fees listed 3 times for 2 months, different XXXX charges they couldn't find while searching for numbers etc. I emailed the company for negotiation to get my money back and to ask them to stop charging my account I did not give them permission I contacted TD bank. They gave me one credit if XXXX. My dispute was for XXXX in total with charges they denied my claim. I submitted another one still nothing after 10 days. I'm angry. I shouldn't have to ask more than once for my back to fix a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I contacted Sallie Mae. I was out of the country and am at a new job where I was having payroll issues. I contacted them asking for advice. I was informed that there was no help online and that I needed to contact repayment center by phone. I didnt do this as I was able to sort my payroll out before being charged any fees. A couple of days later I was informed that my forbearance was rejected. I never applied for one and do not feel comfortable being applied for forbearance without my consent as this could damage my record when it comes to releasing my co-signers. I asked for them to rectify the situation and send me a letter taking back my forbearance request. My co-signers were very angry as they thought I applied without their consent. I was supposed to receive a letter. I asked when I would know the status and the agent then informed me it would be sent no matter what. After 2 weeks I contacted them to be informed my letter was rejected, the customer service rep was very unhelpful and kept telling me that since I wasnt on forbearance it didnt matter. I asked her to escalate the situation and instead she just kept saying that I didnt contact them to get forbearance. Overall it seems like the company does not care about any of their shady practices because they are just too big to fail. I want a letter of apology to be sent out and any mention of me applying for forbearance to be erased from XX/XX/XXXX because it is a lie.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have continuously tried to pay my bill online and by phone. The website statement that pops up is We're sorry. A technical glitch occurred and your request could not be completed. Please try again. 
When you call there is a recording and then hangs up - there is no options to even speak to an operator.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-28
Company: Experian Information Solutions Inc.
State: NY
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:
Problem having with Experian, XXXX and XXXX they are reporting these Two Fraudulent accounts on my credit report listed below : XXXX  XXXX XXXX Account : XXXX and XXXX XXXX XXXX XXXX  Account : XXXX Also Name Reporting on my credit report is also wrong My legal Name is XXXX XXXX I do not want any other names reporting 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 2022-11-30
Company: Experian Information Solutions Inc.
State: GA
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 previously submitted a complaint against Experian under case number XXXX. I do not feel Experian takes my fraud complaint seriously as I feel the response received was simply brushing off the issue to state the inquiries were accurate. I would like to inquire what method was done to verify the authenticity of the inquiries. I have submitted a fraud report advising I have been a victim of fraud and did not authorize, given permission and/or consent to access my credit for the purposes of obtaining credit. If Experian believes these inquiries are valid, I am demanding signed documentation with my signature listed. If Experian can not provide this information I am demanding immediate deletion of these erroneous inquiries. If these errors are not corrected by way of deletion I will not hesitate to take legal action to which I will demand damages of {$1000.00} per erroneous inquiry. I have listed the inquiries in question below : XXXXXXXX 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 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 2022-06-28
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I've been unable to make a payment on my Comenity Victoria 's Secret credit card. The system will not allow me to login, I've tried to call and the message says that they are working to fix the issues. Meanwhile, I am not able to pay my credit card bill and I do not want it to reflect on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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 non-monetary relief
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: IL
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:
I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my identity was stolen ( wallet, phone and XXXX  watch ) - the people who have stolen my identity have opened lines of credit, withdrew {$6200.00} from my bank account from a teller ( XX/XX/XXXX ), cashed checks in my name ( XXXX and XXXX on XXXX XXXX ), filing inquiries, using my ID to rent cars from XXXX and other rental companies and stealing the cars. They recently got in a car accident and provided fake identification ( which was my name and information ). I was notified from the persons insurance company who was hit in the accident. A police report is on file with detective XXXX XXXX XXXX I have still yet to be refunded by Chase bank and have little to no updates on refunds. 

XXXX XXXX Case Number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I banked with Bank of America years no problems at all years I lost my card didnt know till like one two days later when I try to login and cant login call they say there closing my account cause I tried to deposit checks the guy said I told him I lost my card that wasnt me its fraud I said where were these checked supposedly deposited he said he couldnt tell me Ill get a letter in the mail go a letter they closed the account received one letter saying account closed I thought they just closed it no they put me in the XXXXXXXX XXXX I would never write bad checks in my account never I have a business I cant even get proper business structure now cause of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
NelNet Servicing LLC along with the department of education sent me a letter saying that any payment made. on my federal student loans made after XX/XX/2020 I am entitled to a refund which in total come up to {$9900.00} but the company that took the money which is XXXX XXXX is telling me that they are not giving me a refund of those payments. They are saying that XXXX is the bank that issued the loan and they not giving my money back either. The date of XX/XX/2020 is the day I became total and permanent XXXX. Firstmark Services is a division on Nelnet the company that sent the letter XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: Experian Information Solutions Inc.
State: MN
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:
Through Experian I have several fraudulent inquires on my consumer profile that I did not authorize and they need to be removed immediately as per regaurds the FRCa law 1681 ( a ) ( e ). The inquires are as follows : XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX BANK. XX/XX/2022, XX/XX/2022 AND XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and 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 2023-09-11
Company: EQUIFAX, INC.
State: NY
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 one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please delete this account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-09-14
Company: Resurgent Capital Services L.P.
State: AL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. I have also tried to call them repeatedly, and left XXXX but have not gotten any response from them. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

I need your help to correct this error and update my credit report as soon as possible, please. 

Thank you, 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 2022-11-30
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:
I believe that I have been a victim of identity theft. Please removed the accounts in the attached dispute letter.

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 2022-06-28
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Started a construction-perm loan with Flagstar Bank in XXXX of this year and was working with a particular loan officer. We had a pre-approval letter based on income even though my wife was currently on worker 's compensation. Part of the loan requirements was for me to pay off the current mortgage on the property. I had several emails back and forth asking that everything was a go before paying off the current mortgage. Got confirmation to pay off mortgage, then everything went south. They replaced my loan officer due to loan processing errors and problems with her paperwork, which has been confirmed and stated to me multiple times. After this, they came back with a laundry list of more documentation that no one would be able to supply or satisfy. They eventually denied the construction loan, even though we were starting the permit process. I tried to reach out to a supervisor to get this handled quickly but no one seemed to be interested in fixing a mistake their employee caused. All I wanted was them to reinstate the original loan and we would regroup. But again, they don't seem to have an interest in returning phone calls or emails. They were deceptive in how they handled this loan application and have caused me to payoff a mortgage XXXX and a half years early.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On or about XXXX XX/XX/2022, I sent secured email to Chase that close my checking account ending in XXXX with a reason " account not needed any more ''. But instead of closing the account, Chase charged me {$12.00} as " MONTHLY SERVICE FEE '' on XXXX XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: CCS Financial Services, Inc.
State: OK
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 account # 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 an account without my written instructions 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation