BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I inherited solar panels on my house when I purchased it in XXXX. The solar panels are leased through XXXX XXXX. I have had multiple problems being able to pay my bill to XXXX XXXX throughout the time I have owned this house. 

I was setup on autopay with my credit card, but they suddenly stopped processing my payments without notifying me. My paper bills still stated on the front that I was still enrolled in autopay and that my bill was informational only, however they were adding late fees hidden on the back of my bill. I called multiple times, waited on hold for multiple hours until I finally got someone to help sort out the problem and waive the late fees. I re-enrolled in autopay with the same credit card they suddenly stopped using. I had also tried to login to their online portal to pay my bill, but the amounts showed differently than my paper bills. The person on the phone said that is " normal '' and that I need to only pay attention to what is on my paper bill. 

Again in early XXXX autopay stopped working. I called multiple times again and could not get ahold of anyone. Eventually the line would just say that someone will call me back tomorrow, but they never did. I emailed multiple times starting on XX/XX/XXXX and they did not respond until XX/XX/XXXX. Eventually I did get ahold of someone to pay my bill, but obviously it was past the due date. 

Now XXXX XXXX has reported to the credit bureaus that I paid my bill late and my credit score has dropped from XXXX to XXXX. This is causing me financial hardship, as I need to purchase a new car and my lower credit score affects the interest rate I can get from a lender. I need XXXX XXXX to correct their reporting to the credit bureaus so it does not show that I had a late payment. I made every attempt to pay my bill through autopay, online portal, and via phone call but they would not take it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: Siwell 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: Account status incorrect

Complaint:
I paid off my mortgage loan for an investment property when I sold the asset. XXXX has recorded the payoff but XXXX and XXXX have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My name is XXXX XXXX  XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. I need some help with my credit file there is a issue with my information not being correct. I am applying for a new job and need the right information reported on my file. My correct DOB is XXXX my correct SS is XXXX. 
My current and only employer : XXXX  XXXX XXXX XXXX. 
PLEASE DELETE THE FOLLOWING ADDRESSES THEY ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX The following numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX/XXXX/XXXX, I called Equifax to remove inquires that I did not authorize. I spoke to a US rep who after explaining to him the situation he advised me that XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX would all be removed. After a couple days I checked my report and the items were still there. I called back on XXXX/XXXX/XXXX after sitting on hold for over an hour I was connected @ XXXX I spoke to a US XXXX XXXX in the XXXX XXXX XXXX by the name of XXXX XXXX who advise me that she wanted to apologize because the gentleman only placed these inquiries under dispute but seen his notes and would be sending my file to a specialist team to have the inquires removed since they were suppose to be done on XXXX/XXXX/XXXX because they were inquiries I never authorized and had multiple problems with getting the companies to send a Deletion Request sent electronically. On XXXX/XXXX/XXXX I received a letter showing that XXXX XXXX was the only one removed. That all the others were factional after I had been told now on multiple occasions they would be removed. I am extremely frustrated with this agency and ca n't believe how unprotected we are in consumers. That the agency who holds my life in their hands I literally can not TRUST. None of these agency had my authorization to pull my credit being the loan was suppose to be pre-approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NV
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 am being run around. The Credit Bureaus all tell me to call the creditor " XXXX XX/XX/21 ''. While the creditor is saying I'm not in their system, they don't have any record of me and to dispute it with the Credit Bureaus thats reporting it and have it deleted from my credit report. I was also informed that there are discrepancies with that account that are inaccurate. I want this account deleted as it does not belong to me and the original creditor " XXXX XX/XX/21 '' had stopped reporting it to the credit bureaus as of XX/XX/21. I'm really not understanding why this is such a pain in the back to corrected. The Credit Bureaus has to fix this issue not me nor the original creditor. As they're the only one who has any information on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Experian Information Solutions Inc.
State: OH
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:
15 usc 1681 section 602 B states that I have the right for privacy 15 usc 1681 section 2 I also state the consumer agency can not furnish your account without my written um instructions XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX Acct number XXXX XXXX XXXX XXXX XXXX  Account number XXXX Inquiries XXXX XXXX XXXX  XX/XX/2021 XXXX card services XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX bank XXXX XX/XX/2021

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 2018-10-21
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/18 XXXX withdrew {$18.00} from my account which I did not authorize. What I did authorize was a single report for {$1.00}. I contacted my bank and on XX/XX/18 they removed {$17.00} until their investigation was complete. Now on XX/XX/18 they reversed the credit and charged me {$17.00} which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 written 4 letters within the last 6 months demanding removal of this account and no one will remove or verify this account with my original signature. Furthermore XXXX XXXX XXXX is not licensened in the state of Ohio where I reside to collect debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: OK
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, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: HEARTLAND PAYMENT SYSTEMS INC
State: DC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have 3 private loans with my loan servicer. I have registered an account with their website. I used the website to get my most recent statement with a due date of XX/XX/2022. It only shows 2 of the 3 loans. I called the customer service department on Monday Tuesday XX/XX/2022 at approximately XXXX. The representative I had was very helpful. She connected with someone in the IT department. The IT person said " the system should not do that '' and then provided no further guidance. We reached a second IT person, who said they will look into it and contact me within 24 hours. I have not heard from them. This is a time-sensitive and urgent issue to receive a FULL statement for all three loans and their pay-off amounts, which is my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: ADP Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So on the early morning of Friday, XX/XX/XXXX my car was broken into and my wallet, book bag, cash and some other items were stolen. Once I woke up I noticed there was 4 charges on my card at the gas station down the road, so I instantly locked my card and filed a police report. I called my back to report my card stolen and unauthorized charges. It has been a week and they still have not credited my account back. They are telling me I have to wait 45-90 days and I feel like that is absurd. The money was fraudulently stolen and I need the money back. I have the police report number and everything. They say they are doing an investigation but I have the police report number so idk what investigation they are doing. My card wasnt lost, it was stolen!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company by the name of I.C.System has called and harassed me viciously regarding a debt from XXXX XXXX XXXX XXXX Now they are sending letters to my home claiming I owe {$160.00}.

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 2019-06-19
Company: Navient Solutions, LLC.
State: WI
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:
On XX/XX/2018 I made a {$1000.00} payment to Navient via bank transfer. The amount was never credited to my Navient account. On XX/XX/18 I emailed Navient about this problem. They replied on XX/XX/18 to say they needed a trace number for the transfer. I requested the trace number from my credit union and sent it on to Navient via their document upload feature on XX/XX/2018. 

My account was never updated. I sent a follow up email to Navient in late winter/early spring 2018 ( I ma not sure of exact date, as I can find no way on Navient site to locate emails I have sent them, only emails from them ). I received no response. When I have tried to contact Navient Customer Service at XXXX I encounter a computerized system that provides no options for contacting a live person about this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served a papers to appear in court in reference to an attempt to collect on an alleged debt by MIDLAND CREDIT MANAGEMENT INC. due to them purchasing debts from other unknown entities which I have never done business with or heard of. I have never done business with such named company. They have attempted to collect a debt by sending me court document which is a violation of my rights. They have not done their due diligence in order to verify the debt, sent me purchase bills of sales in which none state my name and some how used an old statement that I believe they got unlawfully. Proceeded to send court docs as an initial form of communication with the intent to cause harm during the holidays. I sent the a cease and desist and a debt validation letter certified. which they have not answered. 
they have sent me wrong information nor do I know how this company got my information in the first place when I have never done business with such named company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Paypal Holdings, Inc
State: ID
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On saturday XX/XX/, venmo suspended my account with {$1100.00} of my money in it. No explanation of their reason was given, now without access to my funds i can not use this money to pay my bills. The company has not allowed me to speak to anyone who can tell me why they suspended it and took my money nor can they tell me when I'll have access to it again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My corporate credit card is with Citibank. I lost my card around the end of XX/XX/XXXX. I was sent a new card. Since then I haven't been able to get an online statement or look at my charges. I've talked to Customer Service at least ten times and have spent hours on the phone trying to resolve this and set up new user names and passwords, but none of them have worked.

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 2020-07-13
Company: WELLS FARGO & COMPANY
State: MN
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:
Back in XX/XX/XXXX I had been laid off and struggled financially the whole year looking for work at many places and took a few jobs that helped prolong my savings while I continued to apply for more positions. It was finally in XXXX of XXXX after my savings was depleted and the couple jobs I worked didnt bring in enough that I contacted Wells Fargo who we pay our mortgage through to let them know I am going to be experiencing a financial hardship and what can I do ahead of time so that I dont mess my credit up and have to go into foreclosure. They sent me to a department where I make smaller payments but they still marked me as late payments which I feel does not reflect my character and my financial habits which I am very responsible. Thats why I reached out to them ahead of time. I feel that under the circumstances I should have the derogatory mark on my XXXX score removed so my score can improve. I am purchasing a business with up money Ive saved up and would like to apply for a business credit card but dont want to apply until I know that once my credit takes a hard hit that it will be worth it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, INC.
State: GA
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 was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: CATHAY BANK
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX I sent a wire transfer from my local bank to Cathay bank for the purchase of an automobile for the amount of {$23000.00}. Account number XXXX. Wire transfer # XXXX under the account name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX. Nine days later when I did not receive my vehicle that was supposed to be transported to me, I reported this to my bank " XXXX XXXX XXXX in XXXX, Illinois XXXX on XXXX XXXX. Because of the upcoming holiday weekend, the bank representative was not able to get an answer from Cathay bank regarding cancelling the wire transfer. I did receive {$1100.00} back from Cathay bank. The seller of the vehicle has blocked me on XXXX and his phone and email are no longer in service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018, this debt for { {$970.00} } account # XXXX appeared on my credit report from XXXX XXXX. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. I have disputed this collection five times with no resolution. I have also contacted the company and they don't have me listed for this account number. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.On XX/XX/2018, this debt for { {$970.00} } account # XXXX appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief