BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have been disputing incorrect information on my credit report. XXXX is especially one account that is reporting that should be deleted. Today I attempted again for the 3rd time to access my experian credit report online using report # XXXX. Again I was directed to link that they are unable to allow me to view my report. It states if I have a dispute I can write them or call experian again. Experian is not doing a proper investigation on the XXXX item I am disputing they just keep responding that is it updated. I am furious at this point because I have paid this company in full 3 years ago and I should not be reporting as a XXXX balance but then marked as a charge off to a bad debt. I am trying to fix these wrong items that are reporting as it is affecting my credit score but I ca n't even view my credit report online through experian even with a report number. I am not calling them again because I am always told the same thing plus I have to wait on hold to even speak to a rep. I am very close in obtaining legal advise and suing experian for reporting false and wrong information on my report. I am submitting this complaint XXXX last time in hopes that they ( experian ) will delete this account. I was also told from an experian rep awhile ago that XXXX did not respond from my last dispute and it would be deleted being they did not respond. I explained that they will not respond because they are no longer in business so this should have been deleted months ago. I should have had this account even charged off to a bad debt to begin with because they were paid in full. No wonder they are out of business they are very dishonest. I am submitting this complaint in hopes that I will get an updated 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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 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 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am sending you this formal complaint concerning and TU their business practices. This bureau continues to report inaccurate information. I am formally requesting remove this debt from my credit. In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name.It is possible that the thieves that committed the fraud. In XX/XX/XXXX I filed a ID Theft Report copies were sent to all XXXX major credit bureaus. I have sent the proper documentation to all XXXX bureaus and the XXXX debt buyers. XXXX DELETED the XXXX Account and then reinserted the account without my knowledge, this as you know is in violation of FCRA15 U.S. Code 1681i

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 2023-02-01
Company: EQUIFAX, INC.
State: LA
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : 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 2017-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
My complaint is quite simple, by law a collection agency must submit correspondence to let a consumer know that a debt they either acquired by ownership, or simply by proxy on a vast power of attorney process is no longer collectible. The attached letter from Portfolio Recovery Associates stipulate just that. So, if the debt is simply too old to collect, and the fact that PRA LLC shows no proof of ownership or collection proxy, then why is the very same account remaining on my credit report. This is an example where a collection agency is using my personal credit rating as hostage to collect on an old account that has already been removed from my credit reports. These collection processes are highly scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. It is a re-aging process on debts that have long outlived their usefulness to be maintained on credit. These collection processes are the main reason why even the FTC considers the national collection process broken. I know that the CFPB and its Director XXXX are before Congress currently on the usefulness of the CFPB, and I make the claim that it is the best recourse that an American consumer must fight the corruption that exist in the debt collection process by thousands of collection agencies that could care less about my constitutional and civil rights. This account as well as my personal information need to be purged and erased from credit immediately and permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My Ex-husband & I consolidated school loans prior to divorce in 2004. Since that time, I have tried numerous ways to take care of this account. Due to the fact, I was court ordered to be responsible for repayment of entire amount exceeding 25XXXX. They will rarely speak with me and I can not submit any documents with out my ex-husband of 14yrs signature. This is just NOT POSSIBLE. He is bitter and will not cooperate. He knows it goes on mine and his credit, but refuses to help me with this matter. I also qualify for student loan forgiveness, but since I am not the primary borrower I can not get this assistance. Therefore, I then try for re-payment plan. Well they want me to get my ex-husbands income ( which he is remarried ) to come up with a reasonable payment plan. Which I can not pay an amount based on mine, his, and his New Wife 's tax return. I do not want this effecting my credit, but I can not make the payment they are requesting from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On Monday, XX/XX/XXXX, I was contacted via my college email for an online job opportunity. I had assumed that this was a real business and that there would be no harm in joining this online business since I was contacted with my school email. Unfortunately, I was wrong. XXXX XXXX, XXXX, the employer, scammed me. He presented as a manager for XXXX 's Online Service Department. My task would be to handle customers ' order and ship their packages to their mailing addresses. In addition, I was promised to be compensated, weekly. The business started with me receiving a check, to deposit into my account and the employer, XXXX XXXX accessed my Zelle, XXXX, XXXX account. He made transactions on my accounts, sending out my money to his " suppliers ''. I did not authorize these transactions and I am seeking my money back. I wasn't aware of this until Thursday and tried to call him. He did not pick up nor return my calls. 

I came to find out that the check that was sent to me was fictitious. I was not aware of this until yesterday when I spoke with a representative from XXXX XXXX  regarding these unauthorized transactions. In addition, I just found out that the check ( when you zoom in closely ) states it is a voided check. I would like for you and your team to do further investigation on this individual, and all other parties involved should be held accountable. Please help me receive my full money back. I have provided a couple of documents as proof of this incident. If additional evidence is needed, I can provide it, such as text messages and transactions made. I was able to dispute my claims with XXXX and XXXX and will be funded on XXXX. I need your assistance to have Zelle refund me the stolen money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: HOVG, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received communication from Bay Area Credit Services/XXXX that I owe XXXX for a debt that has been reported previously by 3 different agencies on XX/XX/2017, I requested verification of debt that I did not receive to verify they are the actual owners of the debt. I received another letter on XX/XX/2017 stating they would report this debt to the Credit Bureau I called again and spoke with a foreign man never gave me his name that said the bill is my verification I said no I want verification such as what service date is this bill for, what doctor 3 different agencies have reported this and did not give me proof. He stated they would send information but would still report the documentation on my credit report. I stated that this was threatening and a bullying tactic to get me to pay and if they did not give me the information in order to pay I would report this immediately he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: Comerica
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have been trying to get a statement from my Direct Express card for the year of XX/XX/2016 so I will be able to confront a medical insurance provider of proof of payment of my premium.The only answer I receive from Direct Express is that I will receive that information in seven to ten business days. As of yet after repeated requests is nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I contacted SuperFleet card in regards to our account with XXXX XXXX XXXX  XXXX. We were charged a ridiculous amount in late fees on our account. The amount of the late fee was {$620.00} for one month. We mailed our payment in on time to the vendor but the mail took over two weeks to arrive and be processed by the facility. I asked for the amount to be credited since we are not responsible for slow mail service. The check was clearly postmarked and mailed before the due date. They hide this fee in a ridiculous location hoping the consumer wont see it. I pulled out other bills and saw where they charged me a late fee before. Just in this year alone the fees are {$1500.00}, with the {$620.00} included for three bills where the post office delivered and they processed the payment late. I tried to have them credit our account the full amount of the {$620.00} and they refused saying they would only credit half. This is beyond ridiculous. It is something out of our control and we should not be penalized for it. We spend $ 30,000+ per year with them on their gas card. We should not be charged a late fee when we sent our payment in on time. I would like them to credit our account and fix the issue. Because the fee was hidden deep inside the bill I don't think I would have continued to notice the fees if it had not been for the large jump in our bill so I was trying to see why there was such a large difference.

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 monetary relief
Consumer complaint received 2023-11-18
Company: Prosper Marketplace, Inc.
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Prosper stated my monthly payment is {$200.00}. Prosper also stated enclosed it is {$330.00}. 

XX/XX/2023 was the date of Debt validation request. By law, Prosper exceeded the FDCPA 30 day required time period substantially.

Prosper failed to maintain records, harassing me with repeated calls, reminders, emails, warnings, and incessant messages by text. Prosper did so while in parallel providing no response to my emails. 

I maintain recordings of admissions that this occurred, emails- inbound and outbound- to verify the same. 

Having made good faith efforts to resolve originally to find no congruent records of any agreement, I responded about this once. Prosper aggressively addressed this with a presumptive conclusion that I seek some " debt validation letter '', to which the records reflect is nonsensical. 

This is further harassment, delay, and mischaracterization of amounts owed. Prosper has included a derogatory note against my creditworthiness without any notice of understanding. They have not explained nor been able to validate autodebits from my checking account, now in excess of {$800.00}. 

They hang up all calls saying a resolution occurred. Never once has the actual resolution occurred. They have lied 100 % of the time, and this is not hyperbolic. 

I can not be more clear on my requests.

Enclosed is the last communication from Prosper purporting that I owe some recurring monthly debt balance prior to agreement. This is fraud, deception, both, and harassment in my observation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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 fraud alerts or security freezes

Complaint:
Delete fraud alerts and extended fraud alerts from all three bureaus XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX ExperianXXXX XXXX XXXX  XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT XXXX  XXXX OR XXXX XXXXXXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXXXXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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: CA
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:
XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 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 According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-12-06
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:
I received an offer for a XXXX XXXX card, I went to their page the application said I was pre-approved, I read over the application as I read it my information was already prefilled in. But when it came to submitting an application I decided the interest was too high and opted out. Then a few days later I have an alert from the Credit Bureau that I had a hard inquiry, I found out it was the city XXXX. I called them and said what is going on, the girl said oh do you want to finish your application and I said finish? I never even applied and I wanted that hit removed immediately, she claimed she could not do that but I could cancel my application and I said WHAT application? She said it was incomplete, I then asked her why they were doing hard hits on incomplete applications. I told her to make notes of the phone call and delete any information and when I sent in the dispute it needed to be honored she said ok, and I receive a letter telling me they canceled my application but did a hard hit, I AM FURIOUS! I NEVER submitted an application to them, further proof of this is zero emails from them stating that I had submitted an application zero emails saying I had an incomplete application, only after I called and demanded they remove the hit did they send a letter. Why would I put in an application and not get approved??? They have no answer for this, only that they needed more information, which is a lie because I was already pre-approved! I know with 100 % certainty I would be approved why would I allow a hard hit to my credit and walk away with nothing? I want this hard hit removed and an apology! They need to fix their stealing thieving software!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have waited the 180 days policy for Paypal. They are holding my money and not giving me a email to how to release. Paypal closed my account for know reason, i would like to be able to retrieve my funds. I would like them to fox this situation because i reached out past the 180 days.

Company response to consumer: Closed with explanation