BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2020 at approximately XXXX Central Time, I received an email from Experian about a new alert on my credit report. Instead of accessing any links from the email, I went directly to the company 's website to log in for more information. 
At the member log-in screen, I entered my information. The system attempted to log me in, but instead re-routed me to a page asking if I wanted to access my free credit report. In the top right corner of this page is a link that says " Already a Member? Log In. '' I clicked this link, which brought me right back to the original member log-in page. I entered my information once again and attempted to log in. The site brought me back to the same " access my free credit report '' page. This time, I used the link to access my report. The site took me to a page where I had to enter my personal information. Upon entering all of my information, the site brings me back to the log-in screen and tells me that I already have an account. 

My account is in a constant loop, and I am completely unable to access any of my credit information, account information, or make any changes to my account due to Experian 's faulty website. I have searched each page for any other way to log in without being automatically redirected, but it will not let me. My log-in information is correct, so that is not the problem. The problem is Experian attempting to force a redirect to a faulty page. 

I have attempted to contact the company by phone. I have tried every possible option in the automated system to let me talk to a real person since the automated system can not possibly comprehend my issue. There are no available options to talk to somebody about this issue in a timely manner.

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 2023-01-14
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 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 2023-07-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX } { Credit Bureaus : ALL XXXX } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { 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 2021-10-13
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/ I was given a loan of {$830.00} and on XX/XX/XXXX I was given a loan of {$620.00} both by the same company called Affirm or XXXX XXXX XXXX  as it says on the Loan term agreement. I made all my monthly payments on time and on was out of work due to COVID-19 and wasnt able to make the payment for XX/XX/2021 and was therefore reported to my XXXX XXXX  report. Overall I have paid off the entire debt Early I might add but am still plagued with this delinquent mark in my XXXX report. Ive asked Affirm to remove the mark and they didnt want to and I disputed it with XXXX and they still didnt remove and need this mark removed in order to purchase a home for my XXXX  girlfriend and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2021-10-13
Company: EQUIFAX, INC.
State: NV
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/2021 I sent a letter to Equifax in regards to XXXX XXXX loans that are charge-offed and reporting incorrectly on my credit report. Equifax validated the debt eventhough it is showing charged off every single month and none of the information was validated, because I had it validated with the other bureaus as well and they are claiming that their information is validated as well eventhough it doesnt match for the exact same accounts. I then sent a factual dispute letter on XX/XX/2021. Equifax has not responded at all, but they did change the charge-offs to late payments. You can not report late payments on a charged off account. None of the other information addressed in the factual dispute was corrected as well and they have been asked several times to provide information on how they are validating the debt and they refuse to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Well Fargo closed my account for no reason and refused to give me the credit owed!! Overdraft fees charged! Denied reopening my checking accounts!!

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 2020-01-07
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX I made an incorrect payment use my XXXX XXXX online banking application, I paid an old credit card that was sold from Barclays - BARCLAYS BANK DELAWARE - CREDIT CARD. The payment was for {$1100.00}. When discovered the error worked with XXXX XXXX and XXXX XXXX sent proof of payment on XX/XX/XXXX - to XXXX XXXX XXXX. XXXX XXXX agent and I spoke to customer service who supplied the number and instructions for getting the payment traced and process. The Barclays representative stated it would take up to 25 business days. XXXX XXXX and I followed up on this a few times after the 25 business days. I with a XXXX XXXX representative escalated the situation on XX/XX/XXXX during a 2 hour session of being transferred and put on hold numerous times. Finally a manager XXXX XXXX XXXX said he would escalate and would also send an escalation email and was hoping for a two day turnaround but should be within 5 days and he saw they had everything they needed in XXXX. 

I called today and was put through to a manager who says nothing since XXXX was worked. Gave a new SLA of 10 days. 

This should be a very easy item to resolve especially with the proof of payment - this illustrates numerous control break downs, lack of knowledge for SLAs and processes and poor customer service - they refuse to call me or provide anything in writing - feel like I am dealing with criminals.

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 2023-06-11
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  ACCOUNT NUMBER XXXX XXXX XXXX  ACCOUNT NUMBER XXXX XXXX / XXXX / XXXX XXXX XXXX ACCOUNT NUMBER. XXXX XXXX  XXXX ACCOUNT NUMBER XXXX. XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  INQURIES DATE XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
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 credit reports show my mortgage paid late even after I made forbearance arrangements with the lender in violation of the CARES ACT REGULATION 5. 
I have attached a copy of my report for this account for the last 2 years. 

The other complaints were credit card companies that reported lates after arrangements were made and honored. Please see attached files for each account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Regional Management Corporation
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Yes I received an installment loan in the mail for XXXX once I cash the check I was to repay back XXXX I made my payment on time for 5 months which took my balance down to XXXX. My payment are XXXX now they are charging more interest on this payment an harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: TX
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I submitted a Validation Request to Experian, XXXX and XXXX with a copy of my license and proof of address on the following accounts listed below that are showing on my credit reports. I submitted the request because I am not aware of where the original debts came from and if they are mine. Some of the accounts reporting don't have complete account information as well. Then after not receiving a response 30 days later I re-submitted the letter dated XX/XX/2021. Now 60 days later I have yet to receive a completed investigation response from all 3 Bureaus. However, from XXXX Particularly I received a response which I have included for your reference stating they believe I hired a third party that is not authorized such as a " credit repair company '' or " credit clinic '' and therefore they will not process my requests, this is Ridiculous!! 
1 ) It's none of their business and or against the law!

2 ) There is NO law that states a consumer can not use a third party, so using that as an excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why their statement is so shameful. 
3 ) It is a Stall tactic. How can they assume that and or prove it and I know my consumer right and I know what the FCRA states and I wrote those letters myself they are just typed not handwritten! 

Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I would also like to add I have submitted a copy of my driver 's license, but it is not up to date on my new address, and I will be updating that today. I did include a page of my bank statement as proof of address. 

Thank you for your time and investigation.

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 2019-04-18
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit and noticed this account listed on my credit report that does not belong to me. I've disputed the account already and ask that they validate the account but that has yet to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023 I contacted Fox Collection in order to settle any amounts owed. They agreed to a settlement payment in the amount of {$870.00}, if paid in full, which I did. 

Now Fox collections has hit my XXXX credit report with a major derogatory saying I still owe them {$130.00}. 

Under the settlement agreement we made on XX/XX/XXXX, this should have been reported as settled/paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
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:
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- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) 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 XXXX XXXXXXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-01-07
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2019 purchased socks for {$12.00} from XXXX 's using my XXXX 's credit card to get a discount. In XXXX I paid the bill, so I thought, through XXXX XXXX on line bill pay service that I signed up for years ago, and linked it to my checking account. I had been a XXXX XXXX customer for 28 years. In XX/XX/2019 I found out that the {$12.00} bill had not been paid and was now {$16.00} and so I paid the bill directly. I saw a notice from XXXX XXXX later that the checking account linked to the online bill pay service was closed. I then remembered I closed that my checking account and opened a new one for fraud protection sometine over the past 18 months and forgot to change the link to the new account on the XXXX XXXX online bill pay service. Since I typically paid my XXXX XXXX  bill through my XXXX XXXX XXXX XXXX Bill Pay system or directly, bi-passing the XXXX XXXX bill pay service, I did not recognize the earlier notice XXXX XXXX sent about the checking account problem as XXXX XXXX sends out hundreds of promotional and advertising emails all year long. During a review of my credit report in XXXX, I noticed that my credit score had dropped from XXXX to XXXX in XX/XX/2019, a direct result of the inadvertent late payment of {$12.00}. XXXXXXXX XXXX treated me very poorly and condecendingly, when I tried to expalin what happened consistently telling me it was my fault for not paying my bills on time. I am being punished for 7 years based on a {$12.00} honest mistake after being a good and loyal customer for 28 years. The laws and rules governing these kinds of disproportionatly puniative credit measures must be changed. I closed my XXXX '' XXXX account because of their treatment.

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 2022-01-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Synchrony Bank allowed someone to open a cc using my ssn XXXX XXXX XXXX. This social belongs to me XXXX XXXX. I am requesting all reporting be deleted and ceased. This account was opened fraudulently. An JCpenney card and XXXX  card was opened under my social at this bank

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