BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-20
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I believe there is an incorrect collections account reported on my credit bureau. I have successfully filed a complaint with 2 of the large bureaus using their on-line tools and call center. I have tried repeatedly to file a dispute with Experian but am unable to do so. I receive an error message on-line with direction to call an 800 #. When I call the 800 #, there is no option in the IVR to solve the problem. Instead ... they are trying to see me credit monitoring services. I looked online for other 800 # s to call. None of them were any use. 

So - I find myself in the odd situation that I'm unable to file a dispute because Experian has subpar consumer tools. I need help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX *

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: KS
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:
I observed an unauthorized charge on my account with a posting date of XX/XX/XXXX ( see attached statement for XX/XX/XXXX ). The charge was for a cancelled subscription service. The service was cancelled in XX/XX/XXXX because the service was no longer being used. The subscription was for XXXX XXXX XXXX. I immediately contacted Citibank via the credit card web site. In XX/XX/XXXX, I received a letter from Citibank replying that the dispute inquiry was received and was being investigated. The letter further stated that I am not required to pay the disputed amount including interest charges or fees while the dispute is being investigated. I have not received any additional correspondence from Citibank regarding this issue. The XXXX statement that I received yesterday has interest charges and is requiring that the disputed charge be paid by XX/XX/XXXX or additional late fees and interest will be incurred XXXX see attached ). This charge was not authorized and Citibank is requiring that the unauthorized charge be paid. Citibank is threating with additional charges and negative reporting to the credit bureaus for me not paying this unauthorized charge. Futhermore, the credit card is expired, so how can unauthorized charge been incurred anyway. Thanks. I sincerely appreciate any help that you can provide in this matter. Citibank has failed to respond to several attempts to contact them both in writing via USPS correspondence and messages left through the credit card account web site.

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 2021-05-14
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Equifax continues to report fraudulent information. The chargeoffs are not mine and belong to someone else. I never gave Equifax consent to report XXXX XXXX XXXX, and XXXX XXXX on my credit report. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. Block and remove these reports as I have right to privacy as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I bought my house in XX/XX/XXXX. I started some major renovations when I had a XXXX  XXXX in XX/XX/XXXX. I stayed home for a while and suddenly covid-19 appeared in XXXX. 
I requested a mortgage forbearance which I had for 6 months. Federal law requires that the mortgage servicer should contact the barrower 30 days before the forbearance expires. They did not. Instead they sent me a package asking for missing documents when I have never submitted a package. Only thing I asked them is a forbearance extension which they refused without any explanation. They gave me 20 days to submit additional documents while my wife and myself are XXXX XXXX for XXXX and we are quarantined right now. 
Mortgage servicers are PHH Mortgage services and XXXX XXXX XXXX. 
They refused and I'm getting harassment calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: FL
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On or around XX/XX/XXXX, I consulted XXXX XXXX @ Citizens Bank about getting a home loan. I let her know that I worked in the XXXX industry and was worried about getting approved. She let me know that it would not be an issue and we started the loan process. I put a down payment, I paid for an appraisal, and even got loan commitment. The underwriter approved my application. Then, 4 hours after I was scheduled to close, I found out that the bank would not approve my application due to me being employed by a XXXX dispensary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed this charge card on my credit report. It's not mine but clearly it says it's paid every month and on time. I've not so much had a credit card. I didn't incur this for and I'm not able to afford someone else 's

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: WELLS FARGO & COMPANY
State: MN
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:
On XXXX my wife filed alone for bankruptcy. We had a joint line of credit with Wells Fargo. When she filed the joint line of credit was part of the bankruptcy. Due to it being part of the bankruptcy filing the account was removed from our online account. After a few months I noticed a drop of my credit score of over XXXX points. Once I saw the drop I looked up and found 2 late payments on the line of credit. XX/XX/2020 XXXX 30 days XXXX XX/XX/2020 XXXX 60 days XXXX. When I found out this information I immediately contacted Wells Fargo and paid the balance late due of {$630.00} on XX/XX/XXXX. 

Talking with Wells Fargo once an account is closed thru bankruptcy they no longer send any statement 's out. Therefore I was not informed on the balance due or how much I owed. I was informed when I called in XXXX that I will have to send a written notice to get a statement sent to me. 

I wrote Wells Fargo on XX/XX/XXXX requesting them to fix my late payments on my credit report and they sent reply back on XX/XX/XXXX. Deny I am not disputing the payments owed but it was impossible to know if they don't inform you about any payment due.

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 2022-04-04
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX on these dates disputed below without a response or awaiting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-04
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX AND XX/XX/XXXX Recently, I, XXXX XXXX XXXX was denied an extension of credit by American Express XXXX On XX/XX/XXXX and XX/XX/XXXX, I applied for XXXX XXXX XXXX and The American Express XXXX XXXX XXXX XXXX for my business XXXX XXXX XXXX. I received an invitation to apply through U.S Mail. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). American Express has violated my federally protected consumer rights : 1. 15 U.S Code 5 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX and XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. American Express should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Federal law supersedes any company policy you may have. This matter will also be reported to your regulator. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX  Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: HCFS Healthcare Financial Services of TeamHealth
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, FL XXXX ARS  ACCOUNT RESOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: DISCOVER BANK
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Discover closed my checking account without any notice. I had just transferred {$130.00} from my XXXX account prior to them closing my account and in response to my complaint, they said that they sent all funds in my account to the State of Maine Unemployment office. This included the {$130.00} transfer from my XXXX account. I received a check for {$3.00} today, which is nowhere close to the {$130.00} I had transferred. I do not understand why they would send MY funds to the State of Maine Unemployment office. It had nothing to do with the State of Maine so I don't know why they would send my money to some other business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In a letter dated XX/XX/XXXX, FedLoan Servicing gave me information regarding qualifying payments toward XXXX. The letter stated that I had made XXXX qualifying payments, but I believe I made XXXX qualifying payments. I need to know why certain payments did not qualify and want all of them to be considered qualified. 

FedLoan Servicing stated that during my employment at the Department of XXXX XXXX, from XX/XX/XXXX toXX/XX/XXXX, I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ). 

For my employment at the XXXX XXXX XXXX and United States XXXX Courts ( these are actually the same employer ), from XX/XX/XXXX to XX/XX/XXXX, FedLoan Servicing said I made XXXX qualifying payments. But according to my transaction history, I made XXXX payments during this period ( XX/XX/XXXX, XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX ). 

I emailed FedLoan Servicing on XX/XX/XXXX, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are accounts on my credit report that are inaccurate and not verified.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: SC
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: LEXISNEXIS
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NJ
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:
Pursuants to 15 USC 1681 ( b ) ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instruction of the consumer. i never gave written consent to report anything on my consumer report. No consent is identity theft! I sent in detailed letters on XX/XX/2022 explaining that there is unauthorized Inquiries on my consumer report and not only are my rights being violated they are not in compliance with the FCRA. It has been 60 days since the letters were sent out and these unauthorized items are still on my consumer report. Seeing these items furnished on my report without my consent is causing me to lose confidence in the banking system and if they are not removed I will not allow Equifax or XXXX to furnish a report for me and I would not like to do business with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: Experian Information Solutions 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:
These accounts are on my credit report and they are wrong and inaccurate, please see the dates of disputes made to correct the issue : XXXX, XXXX, XXXX XXXX XXXX # XXXX XXXX/XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX BK # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was fraud made from Paypals that was linked from my banking acct. My bank has investigated the issue and XXXX XXXX  ( my bank ) credited the moneys lost back to me. Paypals investigated the issue and Paypal still says I have a balance and I tried to resolve this and explain that this was due to fraud. Paypal sent the debt to collections.

Company response to consumer: Closed with monetary relief