BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: AZ
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:
XX/XX/2019 as well as XX/XX/2019 I have demanded proof of the reporting information on my credit report to be sent to me confirming I AM the alleged debt signer. Each Credit Bureau : XXXX, XXXX, AND EXPERIAN has failed to provide me original documentation in fact has failed to provide me any documentation regarding the accounts that are reporting to my credit report. 
I have sent in my drivers license to confirm my name is NOT the same as the account holder however they have ignored the evidence and continued to report all information is " verified ''. Also, the alleged debts are not listed with my home address but instead an old address I have not resided in for years. 
XXXX, XXXX, AND EXPERIAN does not due their diligence when consumers demand documentation making this company incompetent as a credit bureau reporting agencies.

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 2019-09-25
Company: Lending Club Corp
State: UT
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:
LendingClu # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2019, I sold an item on XXXX which the money is setup thru paypal. paypal locked down my account and withdrew money out of my checking account without no notice. They did this several times. I ended up with bounced checks I did not expect. Then they allowed me access to my account and did it again as soon as I covered all the expenses on my bank account. I had the expense of every bounced check. I had to close my account so they could't do more damage. Then they went after the credit card so that had to be reissued. I try every means possible to get this taken care of to no avail. I have called several time, live chat, filled out the request form many times and I am still locked out. I have {$47.00} in my account. Paypal is no longer linked to my XXXX. I was told 2 weeks ago they were sending my money ... .another lie. It is now XXXX. I tried to close my account but paypal won't allow me to do that either. Aren't they regulated??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-25
Company: Commercial Acceptance Company
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Commercial Acceptance Company failed to comply with outcome investigation. Collection Agency stated if payment arrangements were set-up, file will not be placed on credit report. XXXX XXXX ( XXXX ext XXXX XXXX indicated call was never received and on vacation. Voicemail never prompt stating she was on vacation. This allowed unsuccessful attempts to reach XXXX. Requested a payment plan and once paid, account be expunged off credit report. XXXX abruptly stated, payment must be satisfied in one lump sum in order for expungement. Company failed to comply with FCRA along with results of last complaint to Consumer Federal Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: VA
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:
OnXX/XX/XXXXI received a " Notice to Home Loan Applicant '' stating that my credit score from Equifax was XXXX I was told that " key factors that adversely affect your Equifax credit score '' are " XXXX TOO MANY INQUIRIES IN THE LAST 12 MONTHS. XXXX AMOUNT OWED ON REVOLVING ACCOUNTS IS TOO HIGH. XXXX PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH. XXXX PROPORTION OF BALANCES TO CREDIT LIMITS IS TOO HIGH ON BANK REVOLVING OR OTHER REVOLVING ACCOUNTS. '' I requested a free credit report from Equifax and received it XX/XX/XXXXI then called Equifax. I said that I wanted to understand why they thought I had too many inquiries. What was too many? In one year there have been 3, in two years 5. They would not explain what was too many or why. 

I asked what amount was too high for revolving accounts. She merely read me the current balances. I explained that I paid off all balances every month. What could possibly be too high? 

As for " proportions, '' she could not explain anything other than to say credit scores change every day. I went on to their site to start an online dispute. The only thing you can dispute is factual data, which i do not dispute. I want to dispute the credit score itself and can find no one to explain any " adverse factors '' on my report. 

When I asked to speak to someone else who could explain what information in my credit report was adversely affecting my credit score, she said I could call back and talk to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Was harassed by XXXX XXXX XXXX XXXX out of XXXX XXXX, CA about a debt from 12 years ago. Was

threatened with being served if I didnt pay {$790.00} that day. Before calling me, they called family members harassing them too. Ive never received anything in the mail relating to the debt. They said they send paperwork to my former place of work and to an apartment that I lived in 12 years ago.

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 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/16, XX/XX/16, and XX/XX/16. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.

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 2019-09-25
Company: EQUIFAX, INC.
State: UT
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:
XXXX # XXXX is reporting lates on my account that I do not owe in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These payments were being auto drafted at the time and it was the only way available that they had for me to pay them. I called them due to the error as the payments were supposed to be taken out but had payment errors I was never notified up, and the representative I spoke to said they would remove the lates as it was an error on their part. I have never been late on this account other than the failed auto payments and this late was not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
THERE ARE ACCOUNTS ON MY CREDIT THAT ARE NOT MINE, I HAVE SENT XXXX+ LETTERS TO THE BUREAUS TRYING TO GET THEM REMOVED WITH VERY LITTLE LUCK. THESE ARE THE ACCOUNTS THAT NEED TO BE BLOCKED UNDER 605B OF FCRA. 


XXXX XXXX XXXX., XXXX XXXX XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/XXXX XXXX., DEPT OF ED/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 2020-06-24
Company: DISCOVER BANK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Discover Bank advertises prominently on its website that customers can use XXXX to transfer money via a Discover Bank account. I have had issues before where Discover just won't accept money from certain payment transfer services and have, in face, have had to refuse money from a friend a few years ago from what I believe was XXXX XXXX. 

So, knowing how difficult Discover can be, and relying on the information that I see literally every time I log into my account, I told several co-workers that they could send me money via XXXX for a group baby shower gift. 

My account still has an ad for XXXX. But I can't connect to my bank account. And when I emailed Discover for help, XXXX told me that I can not, in fact, link XXXX to my bank account, and there is no known fix date. A quick search of the internet revealed to me that this has been going on for many months- Discover is knowingly advertising a service that it will not let its customers use. This feels fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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've been pretty consistent with paying my bills on time. I'm saying this because I went to XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit I didn't understand until I checked my credit report. I see two XXXX XXXX accounts that are not mine. I've contacted the police and FTC. These items are still on my 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 explanation
Consumer complaint received 2018-05-16
Company: EQUIFAX, 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:
Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: CFAM Financial Services, LLC
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously notified CFAM Financial Services on several occasions between XX/XX/XXXX and XX/XX/XXXX, that I am a victim of identity theft, and requested that the following be done : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account with the financial company XXXX XXXX which CFAM purchased the debt from. I did not open or authorize this account, and I requested that it be closed immediately. As of today XX/XX/XXXX, Ive gotten no response from CFAM Financial ....

Company response to consumer: Untimely response
Consumer complaint received 2018-05-16
Company: Experian Information Solutions 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:
Letters sent out to rectify issues on my report 60 days ago having in no results for multiple accounts. 
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 2019-08-22
Company: EQUIFAX, INC.
State: MI
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/2019, Equifax received request to investigate accounts reporting to my credit report that are inaccurate and do not belong to me. I informed Equifax to investigate and delete the following accounts. 
1. XXXX XXXX, Acct # XXXX delete this account 2. XXXX - Acct # XXXX xx - reporting as a charge off and late 3.  XXXX Acct # XXXX xx. reporting as a charge off and late * Additionally, Equifax should know that I have OPTED-OUT of the class action settlement they are trying to scam every American into accepting. I Opted-Out because I fullly into to file a separate lawsuit against them for hundreds of thousands in damages they have cause me. 

As for the accounts listed above. Equifax has made zero attempts to investigate my claims within the time period allowed by law. Equifax has easily exceeded the time frame of 30 days therefore, by LAW MUST delete the account above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Was billed before I ever got the card or a bill in the mail. Paid balance in full same day. Was charged ~ {$30.00} late fee. Took two attempts and two weeks to get someone to actually reverse the charges like they said they would. Did not remove it from the billing cycle so it flagged my account as late the following month. I did not use the card that month so it was a zero balance. They " paused '' the card because we were a day late paying zero on our zero balance. That left us at the grocery counter not being able to use our back up card. There solution was to cut me off on the phone and tell me to be quiet while they read the transcripts of all our correspondence,, and them to smugly ask what they problem was and if I wanted to set up a payment for the following g month to unfreeze the card ... really??? Bottom line is they predators and should be avoided at all costs. They charge {$30.00} if you do not pay on the date specified and freeze your card, no grace period, they do not communicate, and the XXXX  supervisor is an arrogant, nasty person with no business talking to customers. We canceled our account and cut up the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-27
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The debt collector, XXXX XXXX XXXX XXXX  representing LVNV Funding XXXX XXXX XXXX XXXX XXXX has failed to offer adequate customer support for the last 6 months. I have tried repeatedly to call the office at : XXXX and XXXX, extension XXXX and no one ever answers the phone. I have attempted calling them over 10 times since XXXX, XXXX, waiting for a total of many hours for a live operator to notify them that as a result of COVID and the lockdowns my income was significantly less since XXXX, XXXX and I was unable to pay my agreed upon payment plans. I was on NJ state unemployment from XX/XX/XXXX to XXXX, XXXX. 

Over the last 2 weeks, I have received court judgements against me and threats of garnishment of wages. 

I am attaching the judgements and wage garnishment documents. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We requested a Loan Modification from Wells Fargo back in XXXX. They granted what we asked for. However Wells Fargo went up XXXX dollars more on our mortgage payments. We're surveillanced by them 24/7. Their employees were daily at my Wife 's job and followed me around my entire ROUTE. I have proof that it's Wells Fargo. I went to jail for reckless driving on XX/XX/XXXX running from their investigators and hired organizers. They have put in place Community Policing to hide their evil tactics. We are surrounded and harassed daily. We decided to sale our home because of the HOSTILE HARASSMENT. XXXX XXXX XXXX XXXX Texas XXXX. Now we're back here in XXXX Louisiana waiting for our home to be sold. The same group is here FOLLOWING us. We are surrounded by Electronic Harrassment. Now lets be clear, I don't have a mental instability. I don't know what lies they've told. I can say that we're being eavesdropped on. Whenever we're out we hear our conversations repeated in all public places. My car was wrecked twice and my SUV once. This is all done covertly. We have plenty of pictures and the police know and they are participating in this STALKING. If I'm being investigated arrest me. All of this surveillance is designed for me to get arrested or killed. We're tired being boxed on public highways. Wells Fargo bank and their Investigators recorded our conversations and put them in the streets. The VERY things we talked about at home or in our cars was put in the streets. I'll stop here for now. Thanks for your time 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 2021-06-07
Company: First Credit Services Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from Account Receivables Technologies in XXXX of 2018. They claimed I owed a debit they purchased from XXXX XXXX. I was, and am still unaware of the specifics regarding the alleged debt I owed. I requested in writing that the company verify the debt. Ive attached a copy of the first letter I sent to the company in XX/XX/2018. I also called and requested they verify the debt. My inquiries were ignored. They continued to call me and refused to verify the debt or send me any written correspondence. I just recently contacted them and they informed me that they could no longer answer my questions and to contact the original lender. Im in the dark and my credit is ruined by this unverified debt. 

The alleged debt they are unwilling to verify was reported to XXXX XXXX XXXX. Thus negatively impacting my credit. The alleged debt is also being reported as new debt. Im asking that the unverified information be removed from my credit report.

Company response to consumer: Closed with explanation