BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-31
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/XXXX, someone hacked into my online account for XXXX credit cards and changed my address and ordered new cards, After sending the new address to Experian XXXX realized something was going on, they contacted me, we closed that account, and they issued new cards. Meanwhile, Experian sent out the fraudulent address to some of my creditors, and i was contacted by XXXX XXXX, who told me that they had received this fake info from Experian. I called Experian and requested my credit report, they sent it and i disputed the 'new ' address ( and a few other small things ). Instead of deleting the new address, they deleted my real address that i have had for over 40 years. Getting hold of them on the phone took hours each time and i'd get different info every time i called- they rarely could find evidence of previous call ( but sometime did! ) - they told me to dispute the new address and ask for the old one to be reinstated- i sent what they asked for several times- they sent new credit reports each time, having not done what i asked - and each time i called - the usual answer was : send it again, or saying : I don't know why it wasn't done - or that they could fix it if i resent the info, or that they couldn't do it until my creditors where notified. I received about notices or new credit report from them and finally, on XX/XX/XXXX they sent me one with the real address restored. Let me add : at least twice, i asked to talk to a supervisor, and was told none were available, that they would have one call me- and i NEVER got a call back.Either these people are incompetent, or trained to be stupid. At one point the guy could not find their copy of the report that had been sent to me -- he put me on hold several time to look or to find a supervisor -- the last time he did that, the call got dropped- i called back and that person found the report in about 10 seconds - and she was one of the people that promised me a call back, but none came. I wasted hours of my time, and theirs ( which likely only raised the costs of doing business, passed on to customers like me and others who then have to deal with their incompetence -- their should be fines for such things

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 2021-12-27
Company: Experian Information Solutions 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:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 2023-09-05
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
on XX/XX/23 PayPal contacted me informing me that my funds from my account have been withheld for breaching terms of service, but refused to elaborate further. They withheld {$15000.00}. This is not a small sum for me. 
Reference number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX I called the company, made a full payment of my remaining balance ( {$110.00} ) and told the representative that I wanted to close the account. I was told the account was now closed. 

In XXXX I received a text message from the company stating I had a remaining balance of {$2.00}. I called the company and explained I had paid out the remaining balance and had closed out the account the month before. I was told the representative had made a mistake and left the account open, that the {$2.00} ( in interest charge of XXXX purchases and {$0.00} balance ) would be voided and the account would be closed. 

On XX/XX/XXXX I received once again another text message stating I now have a balance of {$66.00} ( continued interest charges on XXXX purchases and {$0.00} balance, plus late fees ). I called once again, asked to speak to a supervisor since this was the second time the account had not been closed. I spoke with supervisor XXXX # XXXX ( XX/XX/XXXX at XXXX XXXX  ) and tried to explain the situation, and my multiple attempts to close out the account. The supervisor was extremely rude and disrespectful. He stated they wouldn't close out the account until I paid the {$66.00} in fees, and that I had no choice but to pay the fees because that is what the computer shows I owe. 

I have now received multiple calls from different individuals stating they are from collections attempting to collect the {$66.00} debt. I do not understand how the account has been sent to collections if the account remains open with the company still acquiring fees. 

It is unethical and against the law for the account to have remained open after I requested to close it, twice, and for the company to continue to charge me for an account I no longer agreed to keep open. 

My daughter attempted to call for me on XX/XX/XXXX to see if she could resolve the issue before putting this complaint in, and was told there were no supervisors available for her to speak with and that the only think they could do is transfer her to a XXXX speaking representative ( since I only speak XXXX ). 

Ive exhausted my ability to resolve directly with the company as their proposed solution has been for me to pay and still nothing guarantees they will actually close the account. 
I would like the help of CFPB in resolving this matter before having to search for an attorney. I would also like for other people to be aware of the companies ethics and lack of respectful customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: AZ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I received a hard credit alert from my banking institution from XXXX XXXX XXXX claim XXXX  : XXXX. I have contacted all ( 3 ) credit agencies in this regard ; they provided me your website to file w/ you as well to expedite/complete the process on their end.

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 2021-12-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I applied for an apartment to lease and was denied for reasons on my equifax report that i have no knowledge of after reviewing my report online

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was surprised when reviewing my credit report and found a late payment on the date : A 30 day late as of XX/XX/2017. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: EQUIFAX, INC.
State: MS
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. Please give me help with this matter! 

UNKNOWN ACCOUNTS : XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXX XXXX Account # XXXX {$31000.00} XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX {$350.00} XXXXXXXX XXXX  Account # XXXX {$25000.00} XXXX XXXX Account # XXXX {$12000.00} XXXX XXXX  Account # XXXX {$16000.00} XXXX XXXX Account # XXXX UNKNOWN INQUIRIES : XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, 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 WAS REVIEWING MY RECENT CREDIT REPORT AND THERE WERE ACCOUNTS WHICH ARE NOT MINE. I HAVE NEVER APPLIED TO THESE CREDITORS, I'M NOT RESPONSIBLE FOR ANY OF THESE DEBTS, I HAVE NEVER SIGN CONTRACTS OR AGREEMENTS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXX placed hard inquiries on XX/XX/2021 and XX/XX/2021. I have not requested nor applied for credit with XXXX in the past 2 years. I contacted Experian on XX/XX/2021 to request the removal of such inquiries and they said I needed to contact XXXX directly. I contacted XXXX on the same day and submitted an investigation into such inquiries. I never received any answers from XXXX and the hard inquiries still show on my report. 

Then on XX/XX/2021, a new credit card from XXXX was added to my credit report ( date opened : XX/XX/2021 ; credit limit : {$5000.00} ; balance : {$32.00} ). Again, I have not requested nor applied for credit with XXXX in the past 2 years. I contacted XXXX again on XX/XX/2021, they said they could not find such new credit card under my name but have not been able to get the credit card and the hard inquiries from XXXX and XXXX removed from my credit report. 

Attached please see Experian report with the disputed account and hard inquiries highlighted in yellow.

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 2018-08-28
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
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:
Due to hurtican IRMA ( in fed declared disaster zone ) I spent more than expected vacating & repairs. I am a XXXX female. FHA assisted with a modification which was ratified on XX/XX/2018 with trial payments thru XX/XX/XXXX. Each payment was made in advance. During this time i was sent SOMEONE ELSES LOAN DOCUMENTS. I informed LOANCARE and was sent my papers. These wete returned notarized but apparently ate getting shuffled around between XXXX XXXX ( processor ) and whoever is thhe new pt of contact ( old is XXXX XXXX loss mitigation ). Because this was disaster related the 1st 90 days was extended another 90 days - in forbearance NOT TO. BE REPORTED LATE TO CREDIT BUREAUS. There are continuous errors reported to credit bureau and promises to fix over & over again. These are unfair practices in collections. 
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 2019-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I had received an apr reduction for 6 months to 4.9 % the payment dates 1 XX/XX/XXXX 2 XX/XX/XXXX 3 XX/XX/XXXX XXXX The credit card company claimed my due date was at the XX/XX/XXXX or XX/XX/XXXXof the month even though I have a letter from them stating the XX/XX/XXXX of each month. They claimed that I made a late payment and raised my apr to 24.5 % I have tried to communicate with the company with no resolution and my apr interest has now been being charged at this increased rate for 10 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
With the new IDR forgiveness program, I received a letter that my loans should have ended in XXXX, since with the program after 20 years of paying the remaining balance is forgiven. I am due a large refund check, over XXXX XXXX but nobody can tell me when I will receive that. I have been tossed back and forth from my loan servicer to the US Department of education multiple times, let alone how long Ive had to wait on hold each time, with no resolution. No one has an answer. Aside from that, the US Department of education should have to pay us interest on the refund amount. My loan payments shouldve ended back in XXXX and here we are in XXXX, thats seven years that my money was held. Why shouldnt they pay interest? If it was the other way around, I would have to pay them interest on the balance, so how is this any different? This is unfair to people who signed up for this program and have been deceived all these years where weve struggled to make payments and come to find out now that 7 yrs ago my balances should have been erased. Just getting our money back isnt good enough, its not right! We should be paid back interest at the very least!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for my loan to be recalculated through studentaid.gov and the application was processed, payment updated and closed. My edfinancial has not updated it and still shows a payment from before the pandemic. I can not get anyone on the phone, wait times are insanely long and a callback never happens. Ive emailed them several times with no response. Now Im getting emails that I asked to be removed from IBR when that is inaccurate. They customer service is terrible and theres no way to get ahold of anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Greetings, I recently reviewed my credit report on XX/XX/2023 and it shows that XXXX is continuing to report EDFinancial Services. My student loans are no longer with EDFinancial Services because they have been transferred over to XXXX XXXX XXXX XXXX. I have the same debt reporting twice from two different companies. I owe {$56000.00} dollars but XXXX is continuing to report {$100000.00} dollars. I called EdFinancial Services XX/XX/XXXX and they no longer have me in their system. I am writing to request the deletion of accounts of EDFinancial Services on my credit report. 


I kindly request that you investigate the inclusion of theses loans on my credit report and take appropriate action to remove them if they indeed meet the criteria for deletion under 15 USC 1681b ( a ) ( c ). I understand that the law allows for the removal of obsolete and outdated information, and I believe that these loans fall within those parameters.

I have provided relevant supporting documentation that demonstrates the eligibility of these loans for removal to XXXX. 

Thank you for your attention to this matter. I look forward to your prompt response and the successful resolution of this request.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-03
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I sent TransUnion a Dispute letter certified mail with a return receipt. TransUnion refused to comply with my Section 609 ( a ) ( 1 ) ( A ) letter that was sent. They constantly sending a generated response letter without providing me with what I requested. They are violating my customer rights by ignoring my request for them to send my the original contract and my wet signature on this debt they say I owe. I state in my dispute letter to provide me with verifiable proof because its reporting inaccurate information on my credit report. They ignored it yet again I received a credit report from TransUnion on XX/XX/XXXX still without information I requested. I feel as though they doing this for their own personal gain and its really harming my customer credit report due to the damages theyre causing me.

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 2023-11-01
Company: National Credit Adjusters, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft I am a victim of XXXX data breach i've added some documents of some of the damages being in identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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 appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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 explanation
Consumer complaint received 2018-08-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used the XXXX money transfer app because it was advertised in my Wells Fargo app so I trusted to use it to transfer money over in exchange for tickets that I was trying to purchase on XX/XX/2018. However, I did not know there was no protection from scammers or any kind of fraudulent activity. When the person never meet with me to transfer the tickets I realized I had been scammed and reached out to XXXX and Wells Fargo, my bank. You can imagine my surprise when I found out there was nothing they would do. I filed a claim with Wells Fargo and once it was denied, even after the associate I talked to initially made it seem like there would be no problem getting refunded, I contacted them again. They said there was nothing they would do because they don't cover that and to contact XXXX. I told them I already had and that they wouldn't do anything to protect the user. Since Wells Fargo owns XXXX, I thought it was interesting that there was " nothing that they can do ''. As a member of the bank for years I believe I should be protected against scams and fraudulent activity that I was victim to in this situation.

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 2023-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
On XXXX I called Capital One Walmart to pay my balance off of {$15.00} they said I still owe late charges past due balance of {$330.00} when my card through Walmart was only {$300.00}. In XXXX. I have paid in the last 5 months {$310.00} XXXX have never once until XX/XX/XXXX have had any fees. XX/XX/XXXX {$45.00}. XX/XX/XXXX {$100.00}. XXXX {$45.00} XX/XX/XXXX {$45.00} XXXX {$45.00}. I have never had a set due date or payment plan and they said I did. I was going to pay the {$15.00} but the lady on the phone would not expect said I had to pay the balance of $ XXXX it would be sent to the collections agency So I turned them over to XXXX

Company response to consumer: Closed with explanation