BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-07
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian 's dispute process for uploading documentation to the Experian dispute website does NOT work, i have tried unsucessfully for 3 days. the agents on the phone are no help whatsover. ive mailed the documenation with no success either. 

this is unfair to the consumer.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NJ
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:
VERIFY THESE ACCOUNTS THAT HAVE INCORRECT INFORMATION 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 2021-05-11
Company: Mid-South Adjustment Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, these two collections accounts were deleted from my credit many months ago due to inaccuracies ( XX/XX/2020 ) but has since reappeared. I have tried to inquiry about this account but have not received any response. This account needs to be deleted permanently as I have made several attempts to resolve this issue with no one responding. I have attached a copy of my credit report of when this account was NOT reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, INC.
State: NJ
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:
A record of bankruptcy appears on my credit report. I have never filed for bankruptcy and have a credit score of over 800. However, my father has the same name as me, and filed for and completed bankruptcy in 2018. I contacted Equifax who completed the investigation within the required 30 days. They have determined that the bankruptcy is mine and not my fathers and refused to remove it. They told me to contact the bankruptcy court and write a letter to them providing copies of my father and mine license, social security cards, and the letter of official bankruptcy discharge which shows my fathers last 4 digits of his social. They also told me to call the court to see if they can email them. I will be completing all of that today as well as contacting my attorney as I feel this is unacceptable because all thats needed is to check the bankruptcy against our respective social security numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Experian Information Solutions Inc.
State: NY
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:
I have proof that experian deleted XXXX XXXX on XX/XX/2021 then experian put it back on my credit report and now I cant dispute it. I have been trying to dispute it for years

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 2022-12-20
Company: Experian Information Solutions Inc.
State: AL
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:
Unlawful use of reported false information due incorrect address an name on file don't match my government issue identity card provide by law I believe everything was reported unlawful activity happened to theses companies allowing debts collected agency reported false information to report a debt I have anything do with fail to investigate before added to my credit report with out proving identification card on 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 2023-09-21
Company: Experian Information Solutions Inc.
State: FL
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 please remove this fraud inquiry from 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 2020-08-04
Company: CITIBANK, N.A.
State: PA
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 was charged multiple late fees and interest charges to my Citi Cards account during the time that COVID-19 caused disruptions to businesses and to lives around the world! 

This matter began in XX/XX/2020 when I received a call from a Citi Cards representative stating that I missed a payment. I informed the representative that I did not recall using the card referenced and requested additional information on the charges so I could validate they were legitimate charges. The representative informed me that he was unable to see details but would transfer me to customer service who could assist me, which he immediately transferred me but a representative NEVER answered and the call and then I was disconnected. I tried calling several times thereafter ( days and weeks later ) and collection representative called me but customer service was not available, not even through the online chat portal. 

I eventually spoke with a professional representative who was extremely helpful in providing details of the charges, which was all I needed to pay the bill. In addition, he offered to credit late charges due to credit/payment history and the inconvenience but all of his attempts to credit the charges failed. The representative explained that the system would not allow him to apply the credit because my account was closed. I placed many calls after that call to have the late fees removed and resolve the delinquency but continuously experienced the same outcome, even with a supervisor. 

I paid the bill minus late charges. I was, and continue to be, in utter disbelief that during the time of a world-wide pandemic ( COVID-19 ), a company could be so insensitive to close a consumers account and continue assessing late fees knowing that CITI offices were closed, or operating on limited scheduling, reduced staffing, or whatever the reason may have been for not servicing customers! 

I had great credit prior to this matter, but Citi Cards has tarnished my credit and continues to do so monthly.

I wrote a complaint to multiple executives of the Citi Cards team and was told that charges would not be reversed because the payment was late - without acknowledging their lack of service to customers in previous months.

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 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My 3 credit reports are showing I have an account with the Dept of Education. I went to college 1 time years ago and my loans were forgiven because i became XXXX. This should not be on my credit reports

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 2020-08-04
Company: ERC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE. 

Enhanced Recovery CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
This is my third attempt reaching out to this company in regards to inaccurate information reporting on my credit report. I have contacted this company through mail and by telephone. They have not removed the inaccurate accounts that are on my credit report. These are violations of the Fair Credit Reporting Act and the FDCPA. Also there were inquiries that were unauthorized that are listed on the reports that was sent to this company. This company has failed to comply to laws stated in section 611 of the Act.

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 2022-03-29
Company: Sunset Solutions Group, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX my mother told me a debt collector was calling her and my siblings in order to collect a debt. I called them immediately and they said I took out a loan a few years ago with XXXX XXXX XXXXe ( I dont remember taking out this loan ). They legal claim department said the company was going to recover my license if I didnt pay to settle. They sent me a docu sign and I paid them {$1100.00}. They sent me a document saying the debt was paid in full. They called my family today XX/XX/XXXX claiming I had another debt with XXXX and that I needed to pay the underwriters. I refused and told them to take my familys phone numbers off and that I had already paid that debt. They eventually relented which led me to believe I was scammed.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
TransUnion, TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion, Please unlock my account so I can lock in, freeze, and unfreeze my account, as well as get credit reports. 

I have called numerous times, and no one can resolve my issue. 

Attached to this report is : drivers license social security card address complaint screen shot of issues Please have this resolved as soon as possible - and resolved for good. Stop blocking access TO MY CREDIT PROFILE!

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 2022-07-26
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I would like to open an account with TD Bank. 
I had one account before with TD Bank which was charged off and I did pay the remaining balance which was only {$17.00} I would like to see if I am able to open a TD Bank account because TD Bank ended the business relationship with me when that occur I have made financial changes to my life XXXX a day trader I mainly use TD XXXX so I would love to have my money in TD Bank XXXX TD bank customer for life Thank you very much God bless you have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 16th 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX and 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 2022-12-20
Company: Bread Financial Holdings, Inc.
State: FL
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:
On XX/XX/XXXX, I called Comenity regarding payment for my XXXX XXXX XXXX account and spoke with XXXX Reference # XXXX who transferred me to XXXX, Supervisor who transferred me to XXXX who advised he would file a dispute. The reference # I was given for that call is : XXXX. 
On XX/XX/XXXX, I called to follow up and spoke with XXXX, Senior Account XXXX @ Comenity. She said she put in a dispute where they will look at all payments coming in on XX/XX/XXXX and trace back to XXXX and I would receive a notice. 
On XX/XX/XXXX, I received the attached letter from Comenity stating my claim was received and were currently researching it. If additional information was needed a notification would be sent and to allow up to 90 Days to complete the investigation. 
On XX/XX/XXXX My bank, XXXX said they sent proof of payment was sent to XXXX XXXX XXXX XXXX OH XXXX - File Trace # XXXX ; Electronic Trace # XXXX On XX/XX/XXXX I called Comenity to check the status of dispute, I spoke with someone who said her name was XXXX & she was in the Ohio office Extension # XXXX and she was going to get this resolved On XX/XX/XXXX I received a letter from Comenity stating I am a valued customer and to call XXXX to resolve the inquiry On XX/XX/XXXX I called and spoke with XXXX XXXX, Supervisior who gave me a reference # for the call of XXXX. She told me I could upload the proof of payment documents through my account online. I proceeded to do that with XXXX XXXX on the phone, 3 times and received error messages and emails stating there was an technical error. XXXX XXXX said she was sending an email to the Dispute Team with a " time stamp '' and check on for documents. 

Last week I called Comenity and spoke with Senior Account XXXX, XXXX and was a advised the proof of payment was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: National Collection Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I set up autopay from my bank account to make payments so I would not forget. ( Which I have no clue why I was paying it because I only owe 2 student loans and this 3rd bill came from nowhere I guess ). The University continued to take said auto pay from my account for months. 
Out of the blue, I get a notification from XXXX XXXX, I have a debt collection hit on my credit score! Come to find out, my payments have been stopped and I have been turned into collections. I never asked them to stop taking payments, never changed banks, and never ended the checking account with my bank. I still have the same everything. 
How on earth can this happen? Clearly, I have never missed a payment on any debt I have and that can be seen on my credit report that states 100 % payments made history. I have no clue on how to even go about taking care of this, but I do know, that bill that I had payed down has accumulated into a bigger amount and I have done nothing to make this happen. I'm so upset. There should be laws on stuff like this.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: AES/PHEAA
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2021 Student Loan Consolidation Scam I received a letter in the mail that stated " Student Loan Consolidation & Payment Reduction Program Prepared For : ( me ) '' - New Laws Discounting Federal Student Loans It included information that seemed legitimate with options for student loan consolidation and forgiveness plans with directions regarding using my FSA account. I am familiar with this process since I attended college and completed FAFSA regularly. The website link ending in ed.gov also made me feel comfortable going through this process. I quickly logged in my existing account and then called the phone number XXXX to speak with an " expert ''. I figured they could help guide me through the website and complete the appropriate actions. 

I called the number and spoke to a rep. He somehow logged into my FSA account and changed my password. ( I later went in and changed it ). He asked me basic questions about my income, family size, etc. Everything seemed legitimate and went smooth until he placed me on a brief hold and returned saying that I was approved. 

I started to get a bad gut feeling from the following actions : - He stated that there would be a " fee '' that he could not specify. I was placed on a brief hold and when he returned he let me know that it would be {$790.00} or two payments of {$390.00}. There was a third option for 3 payments of {$290.00}. 
-He seemed very pushy and wanted me to schedule out a payment within a week. For someone who is trying to lower a student loan payment, this simply does not make sense -He then asked for my checking and routing number over the phone. When I expressed skepticism he started to recite my social security number and personal information back to me to somehow reassure me that it was not a scam. 
-I asked him if he was a part of FSA organization he said yes, and used the fact that he could access my information as proof of that -I questioned him further and asked him if the service that he was providing me could be completed directly through the website and he stated " well yes, but many people can not do it correctly, just like people who do their taxes by themselves '' -He somehow sent me 2 documents to sign from XXXX  via email. One was for student loan forgiveness ( I make enough money that I wouldn't qualify anyway, so that didn't make sense to me ). He asked me to delete the first one. 
-As I started reading through the second document, I noticed the business name was Cornerstone XXXX XXXX. 

I did not sign any documents and politely ended the phone call. I did not appreciate being mislead and ended up completing an application free of charge in about 5 minutes after ending that phone call.

This is a terrible scam and unsettling- especially if they are taking advantage of people who took out loans to get an education and are looking to save money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Aqua Finance, Inc.
State: SC
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:
Aqua Finance XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Attn : XXXX XXXX- CFO The claim stated within this letter that Aqua Finance violated the privacy rights of XXXX. 

XXXX under 5 U.S.C. Section 552 ( a ) [ The Privacy Act of 1974 ] which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior consent of the individual to whom the record pertains and this agency had obligations with respect to protect that information under 15 U.S.C. section 6802 which states a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. See Section 15 U.S.C. Section 6802 ( a ) and ( b ) ( 1 ) ( A ). This XXXX day of XXXX the year of our Lord XXXX DEMANDS that all information pertaining to XXXX XXXX /Account number XXXX be removed from all public bureaus or credit reporting institutions to include XXXX XXXX XXXX XXXX XXXX XXXX and not to exclude XXXX XXXX XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation