BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: Experian Information Solutions Inc.
State: WA
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:
According to the Fair Credit Reporting Act, Experian is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts that are reporting on the credit report. Otherwise, anyone paying for their reporting services could fax, mail, or email in a fraudulent account resulting in an inaccurate credit report. Experian needs to verify through the physical verification of the original signed consumer contract on all accounts they are reporting on my credit report. 

I have sent Experian three letters starting in XXXX asking them to provide proof of the debt they are reporting. I requested Experian to provide a copy of ANY original documentation ( a consumer contract with my wet ink signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). They told me they have " asked '' the alleged creditor to validate the debt, instead of having a copy of the original creditors documentation on file to verify that this information is mine and is correct. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

With each account that has been reported due to their neglect on having physical verification of the original signed consumer contract, has personally and financially harmed this consumer in obtaining credit through financial institutions. I am asking for a XXXX dollar settlement for each account that Experian has reported in error and for Experian to take immediate action in removing all items from my credit report where they can not verify through the physical verification of the original signed consumer contract.

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 2021-05-11
Company: EQUIFAX, INC.
State: VA
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 have an ID Notify credit monitoring account with Equifax due to the XXXX hack of a few years past. My Social Security Number was among those hacked. After that hack, I ended up with all kinds of impersonators. It seemed for a while that every other month a credit firm contacted me about an attempt to use credit in my name. I keep a folder of just that correspondence. 

After being responsible for such a hack, Equifax should work to protect me, not allow a scam using my good name and credit. This is not the case. 
In XXXX I found a negative and damaging report on my ID Notify site. 

The claim is that I owe {$4300.00} to XXXX XXXX and the collection agency XXXX XXXX XXXX of XXXX PA XXXX, ( XXXX ) XXXX, has reported the outstanding debt to the credit bureaus. 

I finished school nineteen years ago. Ive never heard of XXXX XXXX XXXX XXXX XXXX XXXX before now, and neither one has ever corresponded with me. How did it get in collections? Obviously neither knows a thing about me like my address or phone number. Ive had both for 6 years this Fall. How did they approve credit in my name? Isnt this disconnect obvious to Equifax? 

After a few weeks they sent me a letter stating that the negative report stands. This is not my debt. 

I tried to log in to the Equifax online site to address this issue, but my ID Notify Username and Password do not work there. I provided my Birthdate and my SSN to get an email reminder. Equifax sent an email to XXXX. I have NEVER had a XXXX email. So Equifax gave my info to the XXXX  and has an email address for me I have never had? I see from their attached credit report they have me as having lived in or operated businesses in XXXX and XXXX. I visited XXXX for my sons graduation from XXXX XXXX XXXX. Ive never been to XXXX. Then Equifax has the audacity to attach a negative report to my credit and refuse to amend it because the collection agency is sure it is me. Equifax cant even get my info right except what they gave the XXXX How do I prove it is not my debt if I have never heard of any of these organizations in my life? How do these credit agencies get the power to ruin ones life? 

The report they sent me said I have options. I turn to your offices because to deal with Equifax has become nothing more than an exercise in futility. Please help me remove the negative and unjust report from my credit report. I have worked so hard to have good credit, and just when I need it most for an auto loan, this blow to my credit comes out of nowhere to ruin my good credit and good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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/2022 I disputed an a XXXX XXXX  account and the account was verified & accurate and some information was updated ; however, I am challenging this information because this is an identity theft account and there still several inaccuracies on this account still being reported because under FCRA all credit bureaus must report the same information in which each bureau is reporting different information for this account. It appears that no thorough investigation was done by Transunion and they have failed to provide me with proof of any documentation from the investigation. 

I am requesting proof of all documentation from the investigation that I applied for this account and the account belongs to me along with all documentation XXXX XXXX provided that was used to verify all the information being reported is accurate outlined in the FCRA or delete this inaccurate information from my credit report immediately.

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 2022-01-09
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi CFPB, My complaint history is as follows : 1. I identified a fraudulent subscription on my account. 

2. I cancelled my card number with Fidelity Visa and received a new card and a new number. 

3. After receiving a new number, prior authorizations were still granted and I was charged XXXX. 

On a side note, I just checked my card and I see thousands of dollars of fraudulent subscription pre-approvals that I am not familiar with. Many are one time charges that are set as subscriptions. The law/regulation needs to change so when a card number is changed ALL subscriptions pre-approvals are voided. Prep-approvals CAN not be more than 1 week prior to the charge. 

4. I reported the fraud. 
5. My claim was denied as they responded in 1 sentence I reviewed a service 6. I called for additional documentation they agreed to send it. It was never sent. 


I have been with this credit card vendor for years and this is my last recourse before closing my account in its entirely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-27
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient and XXXX XXXX are absolutely insane. They call non stop at all hours starting at 7 am through XXXX pm 7 days a week. Ive filed multiple complaints with the attorney generals office about this and how they are so unprofessional and rude. I once called 15 separate times and not once did anyone answer. It continued to ring and ring till I finally got connected and was hung up on. Even when you do talk to anyone, nothing is noted or filed. They will say they have not heard from you even if you just hung up with them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Nelnet, 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: Account information incorrect

Complaint:
Nelnet updating a closed account. Nelnet
just changed the balance on an account that has been closed since XX/XX/2003. 

This account has past the statue of limitation and needs to be deleted. 
How can I be 120 days late when the account never had a 30 day late. 
How can the account have a XXXX   balance and a High balance of XXXX This is a clear violation of my rights. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: CITIBANK, N.A.
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have a HOME DEPOT Card issued by Citibank. 
I have never used the card. There was a charge on the card in XXXX, or XXXX of 2019. When I received notice there was a balance on the card I contacted the Citibank and reported the card stolen, and disputed the transaction. This was more than 6 weeks ago. Since then I have called in on multiple occasions and keep being told that this issue is being worked on but could take 90 days. 
They are still charging me interest and applying late fees to the charge. Each time I call in I get transferred to multiple people. No one seems to be able to resolve the issue. I just spend hours of my time while they request my information and have me verify and verify and verify. Transfer from person to person with no resolution.

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 2022-08-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Got a text message supposedly from Fifth 3rd Bank sending me an passcode number. Saying here is you access number if you did not request it contact us. First I do not have an account with them and second the phone number is a cell phone. The number the test came in on was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Upgrade, 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: Investigation took more than 30 days

Complaint:
I had another account dispute open, it was closed. All my accounts are update, as the rep explained to me. I received 2 different emails for each card saying they are working, for use. Today I tried to use one of the cards again decline, they man at the gas pump say let him try and decline. Call upgrade, they say all accounts are current, they see the decline, the cards are active. They need more time to fix the issue. I hold off on paying one of my accounts until they fix all my accounts. Right after they said they were fixed, I paidnthenlast account just to find out my still being declined for cards that are automatically paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: ERC
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The alleged debt which was previously held by XXXX XXXX XXXX was sent to collections that negatively affected my credit score. The alleged collection was disputed and deleted off my account on XX/XX/XXXX. On XX/XX/XXXX a different company by the name of Enhanced Recovery Company has reentered the alleged debt into collections once again negatively affecting my score that was just fixed due to improper reporting of said debt the first time. I believe Enhanced Recovery Company Violated the law by not notifying me and reinserting debt into collections that wasn't valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Several months ago, I was contacted by XXXX XXXX XXXX in XXXX XXXX CA about a debt they said I owed to XXXX. I filed a complaint with the FTC and thought this nonsense was over. The debt collector stated that the address for the debtor was for a XXXX XXXX in Texas. I have never lived in Texas and never had a XXXX account. This morning the same person who harassed me before called my XXXX year old mother in Michigan looking for me. I do n't know how he obtained her phone number. My mother called me in a panic and told me about the call. I called the company and the person who answered was XXXX XXXX. 
He did not sound like a XXXX XXXX since he did not speak English very well. I had filed a complaint with you before so I would like this harassment to stop. I do not owe this money since I never lived in Texas and never had a XXXX account. This also happened to my sister a few years ago with a fake XXXX account. She had to give them a list of addresses she lived in but the harassment finally stopped. 
I also want to know how they even got my mother 's phone number since she lives in Michigan and I live in California. I do not even have the same last name is her since she remarried in 1990s. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-30
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I just turned XXXX and tried to fill out my XXXX application, but could n't because i do n't know the information about an alleged mortgage, car loan, student loan and credit cards i took out when I was XXXX or XXXX years old- I called the XXXX office and they said I had to take it up with Equifax , which has no working phone number to call. My mom said to fill out the credit report request but I ca n't get it because I have to know where I took out the mortgage and credit cards, etc. I tried to call the equifax customer complaint number but it was out of service. I filled out the form to dispute charges, but since I ca n't get a credit report to have details of the alleged mortgage, etc, I did n't have details of what it is I 'm disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The account was in my fathers name and my mom also signed a few documents. I sent the collection agency a letter proving my mom 's signature was not mines and they threatened to keep it on my credit after telling me to write them a letter explaining the account and them seeing my mom 's signature. They compared the two and still threatened to keep it on my credit. I was never informed the account turns over to me after a certain age, and I have never received any mail about the finance and billing on the account. There adding fraudulent balance and I want this account to be removed or I am going to sue the company. It's been 6 years that I have been trying to remove this account.

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 2021-09-13
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: JH Portfolio Debt Equities, LLC
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
JH Portfolio contracted with XXXX XXXX XXXX to collect a credit card debt which I owed. I complied and paid the full amount. When I reached out to XXXX XXXX XXXX, they stated that the account got sold to XXXX XXXX XXXX. XXXX XXXX XXXX states that XXXX XXXX XXXX, is not reporting that my debt has been paid in full. The balance was originally at {$1700.00} according to XXXX XXXX XXXX and is now showing a balance in the amount of {$470.00} on my credit report. XXXX   XXXX said they would take care of it and they have not responded to me for several days. I am getting the run around from all three companies especially XXXX XXXX XXXX. I paid off my balance of this credit card in XXXX of 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 checked my credit report and noticed multiple accounts on my credit report that I do not Recognize

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 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, I have been a loyal customer of Capital One, I have consistently paid my bill on time and I have a credit card and car payment. Capital one recently prevented me from paying my credit card bill, it barred me from logging into my account and paying online. It did so despite logging in with the same IP address as always and getting the password correct. As result of Capital One barring me from making a payment, I incurred a late fee. 

I proceeded to attempt to pay over the telephone, however Capital One unlike every other credit card company does not have an automated payment over the phone, capital one requires you speak to customer service. Capital one incredibly then refused to process my payment, claiming that they had to right to refuse payment because I was " rude ''. This is pretext. As result of Capital One 's actions I have incurred late fees on my account, eventually I was able to pay online after I replaced my cell phone and retrieved my prior number, something which took several weeks. 

I would like the CFPB to investigate Capital One, I have read accounts of the same problems from customers online where Capital One arbitrarily denies the customer the ability to pay and then they incur late fees and sometimes their account becomes delinquent. Capital one profits from late fees and other fees when customers are unable to pay their bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I zelled over XXXX expecting a product. I was previously under the assumption that I had been scammed because he wouldnt get back to me but he got back to me recently saying that he never received the payment even though the money went out of my account so he didnt send over the product I was supposed to receive. I dont know the legitimacy of his claim but if this is is true I dont know why my money went out.

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 2017-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A few weeks ago I placed a freeze on my Equifax credit report due to their security breach. I was provided the 10 digit pin number which I saved. Equifax offers the opportunity to unfreeze a credit report online. I went to their site to do so in order to allow a mortgage lender to run my credit report. After providing all the information requested by the site including the pin number the site returned a message that I could not release the freeze on my report online and to mail in a request. Then I have to wait for written confirmation that it has been processed. I do not have time to wait. If when I originally froze my credit report I was not given the opportunity to release the freeze online I would not have done so. Equifax should not be offering services it can not fulfill.

Company response to consumer: Closed with explanation