BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
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: Information belongs to someone else

Complaint:
I, XXXX XXXX XXXX, am stating that XXXX, Experian, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX XXXX furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX XXXX, NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. ( XXXX, Experian, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2017-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
On today I spoke with XXXX who said he was a special handling supervisor for transunion. I explain to XXXX that their are inquiries that are connected to my report that does NOT belong to me. She was very rude and stated " what do you want me to do about it ''? That I needed to contact the creditors because it is not their job to correct theses errors. I explained to him that I have been going back and forward about this between transunion and the creditors and no one seems to be able to assist me with this issue. His response once again was " What do want me to do and are you done ''? Along with a CH. XXXX that continues to show on my credit which was removed and placed back.

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 50 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
TransUnion keeps reporting that a bankruptcy was verified by the court and that its correct and then they update it as such. Ive been telling them for a few years that I have a letter from the court stating that they do not report to the credit bureaus but yet they keep saying its verified by the court. This is false information.

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 2015-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been a customer of Bank of America for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Visa Debit card from US Bank ReliaCard in the mail on XX/XX/2021. It stated to activate card before you use, I never applied for this card. On the back of the form the card came on states it is for The Ohio Unemployment Insurance Program. I filled out a form online with the credit card company ( US Bank ReliaCard ) stating that it was fraud. My identity was stolen last month & used to try & get Unemployment benefits for the state I live in.

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 2022-02-11
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SUBJECT : SURPLUS ESCROW ACCOUNT WITH MY MORTGAGE COMPANY, ( MR. COOPER dba Nationstar Mortgage, LLC ) Around the first of XXXX, 2022, I checked the Mr.Cooper.com website, and found out that I had an " Escrow Surplus '' in my account. The website stated that this escrow surplus, in the amount of {$1500.00} would be mailed to me on XXXX XXXX. It is now XXXX XXXX, and I have not received the escrow surplus check, ( but, I have received other literature from them regarding refinancing, etc. ). On XX/XX/2022, I spoke with representative XXXX ( because I still hadn't received the check ), and she said to call back the morning of ( XX/XX/2022 ), if I hadn't received the check. I did call back, and I spoke with XXXX. XXXX stated that I should get the check by XX/XX/2022. At this point, I feel like I'm getting the run-around ( especially so since I've gotten other literature from them in a timely manner ). It's my understanding that it is illegal for a mortgage company to retain a surplus escrow, but my mortgage company, Mr. Cooper, is doing just that. 

CFPB, your assistance in helping me is appreciated. 

Thank you, XXXX XXXX, ( Loan Number XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: EQUIFAX, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX  XXXX XXXX-Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Ive contacted Equifax on a number of occasions however I wasnt able to resolve the matter and asked that they verify the accounts on my credit report due to all accounts being inaccurate. Under the fair credit reportings act ( FCRA ) myself as a consumer have the right to get a copy of my credit report as soon as Equifax investigate all accounts and verify accounts with a signed signature or contract verifying account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MA
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
The credit card Citicard ( Costco ) company reduced my credit limit twice. The first time was in XX/XX/XXXX. The second time was on XX/XX/XXXX on the exact same day that I used the card to make a purchase. They allowed the charge to go through and then lowered my credit limit so now my balance is over the credit limit and my minimum payment due is very high. 

My original credit limit was {$11000.00}, which was then reduced to {$6600.00} in XX/XX/XXXX with a vague letter saying that my payments were low with them. 

My credit limit was further reduced on XX/XX/XXXX to {$4900.00} on the same day that I purchased a computer. As I said above they did allow the charge for the computer to go through and then immediately after that on the same day lowered my credit for the second time. Since they allowed the charge my balance is now over the limit which affects my credit and other credit cards. 

This is a terrible thing to do during a pandemic. I have never missed a payment with this credit card.

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 2017-09-08
Company: EQUIFAX, INC.
State: AZ
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:
Security breach that was not made public until a month after it happened. According to their website, my personal information was accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a loan in 2003, i was promised a 1 % max of 1.5 % loan interest. my loan was sold a few times now the last loan Nelnet. they stated i consolidated and i never did, i have no proof of payments made, my interest is at 7 %, i have no documents as : loan agreement, amatrilization, payments made, original promisary note from nelent and from the student laon its self. neither does the financial aide laon people have any documents and nor does nelenet. iv requested these over and over again, my payments made over the years does not show on my principle. there is no proof or evidence of this continued loan or consolidation. When i call nelenet sends me to finacil aide and finaciale aide sends me to nelenet. nelent sent me something like a not original promisary note, they sent me one with fasle information and no signature and further more not completed. 
i am tired of the ru around my loan goes up instead of down. If i do not have these docuents requested then i hould not be obligated. i have been asking for years for info. when i all the financial aid people they are unable tolocate any of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions Inc.
State: CO
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:
Experian dispute. XXXX XXXX XXXX  account says 30 days past due for XXXX. This is a joint account with someone who used the vehicle on a daily basis refusing to pay for it after previously agreeing to pay for it. I filed a replevin with the court in XXXX. The issue was not resolved until XXXX due to interpreter/covid issues. 

The court ordered the other party to pay off the account balance in full. 

I informed XXXX XXXX XXXX of the issue with the court and told them I had copies of the judge 's order. I provided the judge 's order with Experian dispute. 

Experian only updated the account showing it was closed. 

I am never late on any/all of my accounts. This was a joint account where the other party was taking advantage of me resulting in me filing a replevin with the court.

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 2022-02-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I did not give written consent to have such accounts on my consumer report pursuant to federal laws as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
The equifax data breach is the most egregious in US history affecting more than half of the country. I first read about this breach in the news, went to the equifax website to see if I was affected -- which I was -- and then afterwards see reports that simply checking this information may make me ineligible to collect damages!? This is simply evil! And then to hear equifax executives knew of the breach **for a month** before acting, giving them time to cash out their stock? Outrageous!!
The US federal government **must** act in severely punishing those involved and preventing this situation from ever happening again. Equifax should be completely dissolved as a company. This data breach is in clear violation of both the Fair Credit Reporting and the Financial Monetization Acts, and as a consumer I fully expect swift justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CA
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:
Equifax data was improperly stored in an unsafe manner that made it possible for 143 million people to have been impacted by a data breach. I was informed, by Equifax, that my data was impacted in this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX credit card ( Comenity Bank ) merged w Bread Financial and since then have not received 3 payments of mine totally {$750.00}. 
I've called EIGHT times. 
They hang up n tell you to call back... even trying to close the card for fraud they won't allow it. 
My bank, XXXX XXXX XXXX did a search and has proof it was paid and even gv me a previous card # for them to check. 
They state they can not find 3 payments and are charging me interest. 
XX/XX/XXXX {$350.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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 was alerted of the Equifax breach and check to see if my data was compromised. It was and now I am at risk for identity theft.

Company response to consumer: Closed with explanation