BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: AL
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:
In XXXX and XXXX of 2021, I filed a dispute with this credit reporting agency about the unverified account : XXXX XXXX Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you

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 2020-07-02
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
Initailly spoke to company, and was given multiple options for paying off and having account in good standing. I agreed to the offer that if I pay half of {$4600.00} balance it was enough to pay off and close account. Called company after paying half and company would not honor agreement. Now they want more money. This is not the agreement initially agreed upon.

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 2021-06-03
Company: Paypal Holdings, Inc
State: ND
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I've been looking for a creditor of sort to help with fixing our credits. I answered questions that a regular creditor would by the name XXXX who " works '' for XXXX XXXX XXXX 

I told him XXXX of the sore thumb problems that I had which was : fraud '' someone in West Virginia was going to school in my name and didn't pay the bill. Far as I know, you must have a XXXX or a XXXX XXXX XXXX. So, now I'm stuck with the inquiry and my husband and I want to buy a home now that we are leaving the military. 

This XXXX guy put me in the exactly situation of what I told him that got into debt in the first place. 

he used everything I said against me, right after I signed and signatured the papers that he sent me. XXXX re-seny me the papers with more writing on it saying that they are not credit repairs and that they are a school '' as i I agreed to that. 

A person is not stupid because they don't have certificates of attendance in high school or a collage. It just means they didn't get a money trade skills in a job to make greater income of their choice. 

I contact PAYPAL and they refuse to give me my money back. PAYPAL wants me to believe they are doing their investigation by asking me to summited the same information that I've been sending rhem more than 3 times. Second '' giving the other party more than enough time to give me the service that I never asked for, but because I paid them '' PAYPAL eants to believe that is want I knew what I was getting which is nothing. PAYPAL REFUSE TO INVESTIGATE and this is why I haven't received my money back. PAYPAL expecting for me to just leave this alone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved to XXXX XXXX with a transfer to a new job location. Covid19 came and I have been out of work since. I have not been looking for work consistently and I need my credit to be in decent standing for the jobs I am applying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-07-30
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:
XXXX  and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX  XXXX   XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these 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 2020-07-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In the previous 2 complaints to SPS, I am trying to understand who owns my note to my house, and if it is still federally backed, as it was before it changed hands. 

This seems to be a mysterious question, and I cant get an answer. My loan was previously with XXXX, federally backed, as shown in my previous attachment. 

It is being serviced by SPS, but I just discovered the note belongs on a company XXXX XXXX XXXX XXXX. Attn : XXXX XXXX XXXX - XXXX XXXX XXXX. 

Is this loan still federally backed? If not, why?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report XX/XX/2020 and noticed that I have 2 accounts listed on my credit report that I never authorized any one to open on my behalf XXXX XXXX and XXXX XXXX. I have disputed multiple times and they are still reporting inaccurately.

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 2020-08-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Citibank credit card account was paid in full and then they still charged monthly interest.

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 2018-05-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
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: Information belongs to someone else

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom it May Concern : XXXX   XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX   XXXX XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANKING XXXX XXXX   XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING XXXX XXXX XX/XX/XXXX XXXX/XXXX BANKING Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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 2018-06-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Barclay XXXX XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested

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 2020-11-25
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
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: Their investigation did not fix an error on your report

Complaint:
I reported to XXXX XXXX and Experian that XXXX XXXX incorrectly reported a missed auto loan payment on XX/XX/XXXX. This is incorrect as I traded the car in on XX/XX/XXXX and included documents proving the loan/car was no longer my personal responsibility after 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 2020-07-02
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020, I discovered that immediately after XXXX XXXX removed this negative and false allegation from my credit report. XXXX then immediately transferred this collection to Sunrise. I'm sure in hopes to further cause damage to my credit. I contacted Sunrise that same day and they in turn sent me a bunch copies of bills that explain nothing and nothing regarding my dispute of what I sent to them. the email was as follows : After disputing this charge with XXXX they immediately charged my personal credit card without my knowledge or authorization. After doing so they then sent my account to a collection agency ( XXXX XXXX ). They immediately reported this negative information to the credit bureaus. After notifying them of the fraudulent acts conducted by XXXX, XXXX  XXXX immediately removed the damaging information from the credit bureaus and apparently now XXXX has sent this collection to your company. These dirty deceptive tactics have to stop. I know this is a regular practice of XXXX   and I am aware that they usually win due to the fact of consumers not being knowledgeable or able or willing to deal with the potential negative impact on their credit. The fact that they stole my money from a credit they should have never had on file and the fact the XXXX XXXX removed this from my credit is validation that should not be perused. 
However again in closing I do not owe this debt. This email will serve as evidence to CFPB that I have made an attempt to rectify this situation. Thank you in advance for your time and assistance regarding this matter

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 2020-07-02
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: Their investigation did not fix an error on your report

Complaint:
I have never opened and or signed for the note loan under the account number in question with XXXX that is being reported on EXPERIAN and XXXX. When notifying XXXX of this, they validated this alleged loan debt by sending me documentation of a different account number from that which was being reported to XXXX, EXPERIAN and XXXX. 

I forwarded this incorrect information to the credit reporting agencies to confirm the inaccurate reporting. XXXX deleted the information while EXPERIAN and XXXX verified the differing information as accurate and continued to report the information in spite of my request for its deletion. 

In the month of XXXX XXXX reported to EXPERIAN and XXXX that I had made a reduced payment on what was a {$7400.00} balance to settle the debt and bring the balance to {$0.00}. I notified XXXX, EXPERIAN and XXXX that I did not make any payments, reduced or otherwise to bring the balance to {$0.00} and I also notified them that I did not open this note loan that the 3 of them are reporting. 

XXXX, EXPERIAN and XXXX continue to report this account with a balance of {$0.00}.

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 2021-06-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Original notification to Paypal on XX/XX/22, shopping for XXXX XXXX XXXX XXXX  with XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  XXXX. Online Franchise Store Popped up. As I was looking as system, screen flashed a couple of times and then stated purchase completed?? I did not authorize. Looked in email for verification and to date never received an email to the email XXXX from XXXX. Made several attempts to contacts and no response. Asked Paypal to refund as it was fraud. Verified same day with XXXX did not have a franchise by that name. XXXX received credit on accoutn and assummed handled. XXXX it was back on bill?? Since then over XXXX hours spent trying to get this cleared. Only until I sent formal complaint to now XXXX XXXX  XXXX owns Paypal Credit ) did they move all transaction from old account and opened a new account and is currently investigating. On numerous occassions requested from Paypal, Paypal credit a copy of tracking, phone # from said merchant - nothing ... .i could verify.I went on to Paypal community blog to find over XXXX complaints of the same nature. Some with same name some with different name but similar scenario. Paypal did nothing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Arbor Professional Solutions, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX and was told to send written request to said office to obtain validation of debt and payment statement ( some type of form so that I may submit payment in full via certified mail ). I sent written request via certified mail on XXXX to which XXXX XXXX recieved on XXXX. On XX/XX/XXXX XXXX XXXX sent me only a validation of debt letter ( which did not have all correct information ) I again contacted XXXX XXXX on XX/XX/XXXX requesting that the payment statement be sent to me so that I may make payment. I was told by XXXX that I would need to send written request and that if I sent in payment I would receive a dismissal in the mail within 10 days and that a dismissal would be sent to the courts as well ( there is no summon for me with the courts and she told me that she could not tell me what documentation was sent to me or anywhere else and advised me to seek legal assistance if I wanted such information ). I have since contacted my county clerk office, and no court summon has been created against me. I called back to XXXX XXXX the same day and spoke with XXXX, who I informed that I already sent in written request for a payment slip to be sent to me and he said he would put in a request for this to be reviewed and that I should follow up in a week or two. If I was  to make payment over the phone they could email me a copy of payment and it would also be sent to my origianl creditor. I would like a statement of collection attempt sent to me so that I may make  payment. I would like documentation of debt reported paid in full when I pay. This collection agency has sent zero correspondence to me before I contacted them via phone and mailed in a request for documents. 
I have recorded conversations of all above information, including all contact with XXXX XXXX, Arbor Solutions and 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 2020-07-02
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts XXXX XXXX {$1300.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$900.00}

Company response to consumer: Closed with explanation