BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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:
My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: ID Analytics, Inc.
State: TX
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:
I currently have been trying to get a car, and having trouble getting financed. Recently, I received a notice from XXXX XXXX  saying that SageStream , LLC reported a way lower credit score than what is on file with the actual credit agencies, and how would this company be able to report this information if they were unable to reach the credit agencies for the correct information, they never once attempted to contact me to confirm or deny any of the information they provided this financial institution, but their report is what this financial institution based their decision. The letter I received even confirms " that this agency may not have enough information about my credit history to calculate a score. I have monitored my credit through XXXX XXXX, as well as XXXX XXXX, who provide it for free and it also helps me stay on top of my credit report. this company has no information in regards to my identity, payment history, or my actual credit score, they just picked a number and based it off of what???? the reports they could not obtain from the credit agencies XXXX, XXXX, or XXXX. but yet they claim they have my calculated score??? HOW IS THAT POSSIBLE???? based on no information that is accurate from this company is what determined my ability to purchase a vehicle, even though I have a credit score in the 600 range through the actual credit bureaus. due to this unfair inaccurate report, it has caused me to be denied unfairly. so if they were unable to obtain information from XXXX  on XX/XX/2020, and it doesnt show any other inquiry to other agencies, how were they able to on the same day provide a credit score of XXXX, when I have a score for XXXX  of XXXX and XXXX  is XXXX but they lied about this score however they obtained it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: National Credit Adjusters, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a loan with XXXX who was charging me over 100 % interest they sold the debt to another debt collection agency and now that collection agency has sold the debt yet again and is just now furnishing it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: MA
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:
I have disputed this account 5 different time and there is no change the in formation is not reporting 100 % accurate per FCRA I have posted proof of inaccurate information either update 100 % correct or remove this item per FCRA

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 2021-01-28
Company: Seattle Service Bureau, Inc
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX was very rude she threatened to suspend my license if i didnt put down XXXX. She also hangs up in my fave frequently. Im tired of getting harassed by them. I also told her i had to pay my rent and light bill and she suggested i push those back because the debt is important.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I want to add my XXXX bank account to the coinbase account but It prevents me from doing that even after I get the verification code from my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX SERVICERS ON STUDENT LOAN THE 1ST DELINQUECY WAS XX/XX/2009 AND THE S.O.L. ON STUDENT LOANS IS 10 YEARS FROM 1ST LATE PAYMENT. ON XX/XX/XXXX I paid to delete {$2200.00}, original balance was XXXX. LASTPAYMENT MISSING AS WELL AS BALNCE SB XXXX, INVALID 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 2020-01-23
Company: EQUIFAX, 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 have made several attempts to dispute with XXXX, Equifax, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: AES/PHEAA
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I received an email from XXXX saying I have a credit alert. I called them after looking at the subject, private student loan from XXXX XXXX XXXX XXXX XXXX. I asked the XXXX representitive for the phone number. The number I got was for a law firm in California. After speaking with them briefly, they wanted to set up an appointment to speak to one of their attorneys. I declined and thought I would call XXXX XXXXXXXX XXXX. I went to the internet to find their number and the first thing that popped up was from the CFPB. I read the article and felt immediately that this claim is fraudulent. First, I never attended the XXXX XXXX XXXX. XXXX of my children did however. I do not have any recollection of having any loans from XXXX XXXX XXXX and I am fastidious with those matters. After my children graduated they consolidated as best they could all of their student loans including the our parent loans we took out for them. I know both of them are still paying student loans and are timely doing so. My concern that this is XXXX and has shown up on my credit report. I won't take any action until I hear back from you. Thank You!! XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-10
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This lender is not working with me for this fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: HI
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:
In XXXX of 2018 I relocated to a new state and decided to close my local account and credit card with 5/3 bank. I went into a branch in XXXX KY and closed my account and instructed banker to close my card and paid my credit card in full. I was handed the remaining balance after full payment on my card in cash and was told to shred my card. I never received any mail or further contact from 5/3 indicating my card was open and had a balance. I was not aware until this year when I requested a credit report that my card I was told was closed and paid in full actually was open and had a {$2.00} balance that is now listed as a serious delinquency for being unpaid. I contacted 5/3 and they confirmed that this was their mistake and they would remove this and notify credit bureaus but that did not happen as it still shows up on my report. I also placed a consumer statement on my report at the time explaining as well. I need this resolved as this is inaccurate and unfair and I am being penalized for something that was not my fault. I have always used all credit responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid XXXX XXXX in full on XX/XX/XXXX in the amount of {$42.00} ( see attached bank statement ), this is the only credit card I had with Comenity Bank. I received a statement from XXXX XXXX stating that I have late charges. I contacted them several times in XX/XX/XXXXand XX/XX/XXXX I was told they would investigate this and remove the charges. In XX/XX/XXXX and XX/XX/XXXX and as recent as XX/XX/XXXX only to be told that I owe the late charges. This is affecting my credit score greatly. I also noticed that there are other credit cards from Comenity Bank of which I have no knowledge. I contacted them about this as well as disputed them with all three credit bureaus. Only to see that they closed the account with a balance on them with negative impact to my credit report. I I asked for proof that these are my accounts with my signed application, they told me they could not provide such proof because the accounts were opened online. These are the accounts that are on my credit report from Comenity Bank that I did not open. 
COMENITYCB/XXXX  MC Past Due Amount : {$1200.00} COMENITYBK/XXXX  {$170.00} 100 % usage 5 late payments COMENITY BANK/XXXX  {$170.00} Paid, closed 2 late payments COMENITYCB/XXXX   {$530.00} Paid, closed 3 late payments XXXX XXXX   {$1200.00} Paid, closed 1 charge-off There is also an account from XXXX XXXX that I have disputed with XXXX XXXX and the credit bureaus. I was told the Account was opened online and they could not prove it was mine. I explained that I was a victim of identity theft and fraud they told me I owe the bill. There is a fraud alert on my credit reports and I never verified my information with any of these companies. I informed these companies that I have a fraud alert on my credit reports and that I did not authorize these card on my account. 
Had I applied for these accounts I would have done them on paper with my signature because of being a victim of identity theft and fraud, I would have also included them in my Chapter XXXX to be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Regarding my acct. # XXXX XXXX XXXX XXXX ( closed ) While residing in the USA I was a member of XXXX, and was issued a XXXX Visa card with special XXXX benefits. My account was never delinquent, and paid in full each and every month. When I relocated to XXXX in XXXX of XXXX, I paid an additional {$400.00} on my account to ensure that it would not be overdrawn or become delinquent during the moving process. After arrival I attempted to access my account online but could not. For reasons unknown to me, and which I can not explain, I could not contact anyone at XXXX  XXXX  to render my change of address. Access was blocked. After numerous attempts I was finally able to contact a customer service rep in Florida, who supposedly recorded my request for information about my account and learned that it had been closed, and the credit balance of {$400.00} was sent to my former address in XXXX XXXX. I don't know why they closed it, it was not at my request. The rep said that her identity verifying equipment was XXXX and she would call me back the following week. That week, and many more, came and went but no call ever came from her, or anyone else. Since then I have tried again to reach someone without success, and finally wrote a letter addressed to both of the following : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX and to XXXX XXXX, XXXX XXXX XXXX, XXXX, KY XXXX. That letter was dated XX/XX/XXXX and so far I have received NO RESPONSE. Anything you can do to help me get my full refund of at least {$400.00} would be much appreciated. 

Please note : Attached is a copy of my husbands statement indicating that CitiBank had our correct address. The change of address was given to both accounts at the same time.

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 2020-07-09
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX, XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX  XXXX XXXXUnder Dispute US DEPT OF ED/XXXXDispute all ftc violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
THIS COMPLAINANT HAS THE SAME PROBLEM AS HUNDREDS OF OTHERS ON THE XXXX XXXX XXXX WEBSITE. A REVIEW OF HUNDREDS OF XXXX COMPLAINTS REVEALS EQUIFAX FELONIOUSLY FALSIFIES THE ADDRESS OF CONSUMERS WITH SECURITY FREEZES IN ORDER TO FREE EQUIFAX FROM SETTING UP FREE SECURITY FREEZES WHICH COST EQUIFAX A LOT OF MONEY. 
A SECURITY FREEZE FOR AN ADDRESS THAT DOES NOT EXIST IS WORTHLESS. 
STEP2 IS FOR EQUIFAX TO LEAK CONSUMER DATA TO BLACKMAIL CONSUMERS INTO BUYING WORTHLESS EXPENSIVE EQUIFAX CREDIT MONITORING. 

CORRECT MY ADDRESS NOW AND CONFIRM IT IS CORRECT ON PAPER. 
NO TEXT. 

EQUIFAX CONSIDERS THIS WRITER DEAD. THEY SAID THEY CAN NOT FIND ME. 

I WANT SECURITY FREEZE AND I WANT NEW PIN NUMBER NOW AND I WANT IT BY USPS ON PAPER. 

I AM NOT THE SUPER COMPLIANT ROBOT THAT EQUIIFAX, THE TAX CHEAT OF XXXX, WANTS. I DIDNT HIRE EQUIFAX BUT EQUIFAX DOES NOT COMPLY WITH THE LAW. 

EVERY TIME I CORRECT MY ADDRESS FROM INCORRECT XXXX XXXX XXXX TO XXXX XXXX XXXX XXXX FELONIOUS EQUIFAX CHANGES IT BACK. IT IS VINDICTIVE AND DELIBERATE-NOT INCOMPETENT. IT ENABLES EQUIFAX TO EVADE THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a XXXX XXXX XXXX XXXX XXXX. I was approved for a {$10000.00} grant by the SBA since my business took a dramatic loss because of the corona virus. The {$10000.00} was credited to my account on Monday XX/XX/2020. I used my account for two days with no problems. Then Wednesday, XX/XX/2020, my account was put in the negatives {$2000.00}. TCF took the money back and put my funds on hold. I called to settle the problem, they then told me I had to go up to my nearest branch with proof of business. I went up to the branch on XXXX XXXX in XXXX XXXX, Illinois with a business card, a flyer that I had for deals on my XXXX  from XXXX, my social security card, my ID, and a print out of my SBA application with the application number and my XXXX on there. TCF then called me later and requested more information, and still refused to move the hold. It is now XX/XX/2020, 10 business days after the funds were deposited and TCF has yet to remove the hold off of my grant. Can someone please contact TCF on my behalf and get this hold removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2 Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3.. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report 6.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
7. Validate Account Account Number : XXXX Please remove it from my credit report. 
8. Validate Account Account Number : XXXX Please remove it from my credit report. 
9. Validate Account Account Number : XXXX Please remove it from my credit report. 
10. Validate Account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

11.Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have got 3 Fraudulent hard inquiries on my credit file with Equifax. Upon checking my credit report, i saw the fraudulent hard inquiries and went to the local police station. I got sent out of the office with the request to file it with the Federal Trade Comission and get an FTC report. I had to send that to the credit bureau with the request to remove that. After i did everything what was told me to do so, Equifax did not remove anything. I called Equifax to see whts the status on my disputes. They told me that FTC its not a legaal document and that they can not remove the fraudulent hard inquires. XXXX and XXXX  did so, but Equifax came with the sense like, we dont care you have to go behind it and contact every bank where i got an hard inquiry from. Thats crazy!!! Consumer rightts is saying that the credit bureau HAS to do it in 4 business day to report to the banks where ever consumer gets fraudulent item reported to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I attempted to change the address on file with the NELNET several times. They did not change it at any point. Now I have not 1 but 2 slow  payments on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 XXXX data breach and may have got into the hands of the wrong person.

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