BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted an official FTC Identity theft report to all three credit bureaus ( XXXX, XXXX, and Experian ). I sent in my FTC ID Theft report, Local Police report, id, detailed letter, and all other documents stated necessary in the FCRA 605B. The documents were confirmed received on Tuesday XX/XX/2019 and signed at the USPS post office by someone named XXXX XXXX. 

In the detailed letter I included multiple accounts that were reporting on my credit history due to identity theft. Per the FCRA 605B, those items requested should be blocked as long as I met all the document requirements within 4 business days after the receipt of said documents. The FCRA 605B ( included in the attachments here ) specifically lists the documents that need to be submitted. I sent in all of those documents and they were received. HOWEVER, when I called XXXX   on Monday XX/XX/2019 to check the status on the request, the Fraud department specialist, XXXX, let me know that the documents I sent in did not meet their INTERNAL requirements. When I asked her what she meant. She explained that even though the FCRA has their guidelines and documents listed in their 605B,  the credit bureaus have their own internal requirements that have to be met. She proceeded to let me know that if those internal requirements are not met, it doesn't matter what the FCRA says. I asked her to let me know what " requirements '' I did not meet and she said that it is internal and she can not disclose what they are. I reiterated that I sent EVERYTHING per the FTC and FCRA, and she said that eventhough that is true, I didn't meet their internal requirements. I asked her multiple times to please tell me what they are, and she refused. Those fraudulent accounts were supposed to be removed on Monday XX/XX/2019 ( today ) and she let me know that XXXX will not block them because I didn't meet those requirements, and instead are doing regular disputes that will take 30 days to respond. 

I submitted EVERY document the FCRA mentioned. This is ridiculous that, even though she didn't SAY it, she implied that they are above the FCRA. They need to block those accounts in the list I sent them IMMEDIATELY. TODAY is the last day per the FCRA. It is ridiculous that they are shrugging it off as a normal " dispute '' when they don't want to tell me what the " requirements '' i didn't meet are! 

The same applies to EXPERIAN AND XXXX. I haven't spoken to them on the phone, but I checked my credit report for both of them today and the information has not been updated per the 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 non-monetary relief
Consumer complaint received 2018-05-20
Company: EQUIFAX, INC.
State: IN
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 contacted XXXX XXXX and Equifax several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXX XXXX ( XXXX ) with a balance of {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX notified me that a new collection had been added to my account, who is owned by XXXX.I was unable to file a dispute, donot know the reason.XXXX XXXX, bought my account from XXXX XXXX XXXX, who had already listed this account on my report, listed that I owe them {$590.00} in XX/XX/XXXX, XXXX has listed the same debt for the same amount of {$590.00}, which is a duplicate, of the same debt.I told them these account are duplicates and it is illegal to list them twice, and needs to be removed.All 3 of the credit should be notified, and take appropriate action.XXXX listed the debt on XX/XX/XXXX. 
I can not request a copy of my credit report online from XXXX, for years, because they have the incorrect security question.I have contacted them in regards to this matter, and it has not been corrected.They also ask incorrect question, in regards to my past place of resident. 
I contacted Experian also, no response to date. 
There is also a debt for a payday loan, that I have written to these credit bureaus, multiple times, and it has not been corrected.I told them, I donot owe the amount listed, these people are rip-offs, and you pay them interest, and still have not paid the debt off.XXXX XXXX has listed I owe $ XXXX.They only lend me {$250.00}, and I paid {$300.00} for months .I donot owe XXXX XXXX any money.

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 2019-05-06
Company: Early Warning Services, LLC
State: IL
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 have attached the actual report i received from the company. I have a lot of things that are not correct and im disputing. Anything I have stated needs to be deleted should be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: C.Tech Collections, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recently looked at my XXXX XXXX and noticed I have a collections which i have no knowledge of and I do not owe them any money to the best of my knowledge. The company is called C Tech Collections for {$87.00}. To my understanding i never was in any buildings in XXXX nj or signed any documents giving anyone authorization to charge me anything. Any medical type bills were paid off in full. I will you shows the picture of what i need removed at it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
Hi, I have the American Express credit card that I paid {$450.00} for a year. This is my first year. I'm supposed to get 2 points for every dollar spent on the XXXX website. I've had the worst time getting my points. 

My last point given was in XX/XX/XXXX, for the months of XX/XX/XXXX and XX/XX/XXXX. I've had to call them in XX/XX/XXXX and they retroactively gave me points of those months. I didn't get points for XX/XX/XXXX and XX/XX/XXXX ( which I think I was supposed to get something like over 9,000 ). I called in XX/XX/XXXX. Was told the same thing, that I got my points in XX/XX/XXXX, which I had to explain to them again that the XX/XX/XXXXone was given retroactively for XX/XX/XXXX and XX/XX/XXXX. The manager asked me to do a three way call with XXXX to make sure that XX/XX/XXXX and XX/XX/XXXX was never gotten. I did and he made a note of it that I was never given credit for that. A month later I got a letter saying that they closed the case. I do get points here and there, but it's little ones like when I go out to eat or something. 

I traveled in XX/XX/XXXX but didn't bother using the American express card. I did however used it again in XX/XX/XXXX and XX/XX/XXXX for my travels and once again have received nothing. I have called a good six times since XX/XX/XXXX. Had to explain over and over that I have not gotten my points from online usage on months beginning in XX/XX/XXXX. The last two times I called I was put on hold for over 45 minutes then the phone died. The time before that, I was told theres a wait time of over 2 hours and that a manager would call me back, and no one called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I closed this credit card on XX/XX/XXXX and paid off all the amount. Until XXXX XXXX I saw my credit report has debit collection as {$740.00}. This credit card credit limit is only {$400.00}, how can I owe them such money? I called XXXX  XXXX and they told me account closed on XX/XX/XXXX and they don't know what is going on and also called debit collection company and they refuse give me any detail information only ask me pay off the debit. 
1. If I still owe XXXX  XXXX after card closed they should mailed me final statement or called me to statement I still owe them money. ( My payment history not listed I have bad debit until XX/XX/XXXX I know it! 
2.XXXX  XXXX company should be response me and provide me any details such as statement..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have previously filed a complaint to you guys but there has been no changes and it continues and I think the bank has decided to ignore my concerns. Any time I try to do transactions through the phone process they tend to put me through a cumbersome process which they do not apply to other customers because I sound different and I have a peculiar name. The policy of the company is for you to go through the authentication process through their automated process and when you finally speak to a representative of the company they just ask for your name and thank you for going through the authentication process. But, for me they further continue to ask me further questions I have asked other friends of mine who are white or have American names and they tell me they do not go through what I go through. I have spoken to several managers over this and they say they would make a complaint to their management on my behalf but I have noticed they do nothing about it any more. I have spoken to a particular manager called XXXX about three different times I think they see me now as a nuisance to be ignored. I feel am treated differently and they do not care as I think from my dealings with them the moment you sound different they place a higher verification standard on me. I think I need an apology from them and i also urge you to order them to train their employees that there other people from other country with different values and culture that sound different

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions Inc.
State: NC
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:
Someone tried to open accounts in my name fraudulently.

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 2019-05-06
Company: Experian Information Solutions Inc.
State: TN
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 have noticed experian reporting an inaccurate late payment on my credit report. The account XXXX account number XXXX is showing a status of paid, was 30days past due with a late payment XX/XX/18 ... i have a print out of all of my monthly payments ( at the time my due date was the 3rd of each month ) as will b shown i made XXXX payment ONTIME ( b4 30days past due ) ive tried several times to dispute the inaccurate information and it always comes back verifiedIM SURE XXXX HAS NOT VERIFIED ANY NEGATIVE NOR FALSE INFORMATION, thanks for your prompt attempt to this matter please correct this information AS SOON AS POSSIBLE as it is affecting my credit score and rating

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 2018-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The account XXXX XXXX XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: M&T BANK CORPORATION
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:
On XX/XX/XXXX, M & T reported to the Credit Bureau that I was 30 days, When discovered I quickly notified M & T of the error however they insisted that it was accurate. I asked M & T to provide me with proof of when I was ever 30 days late, and I even sent a validation letter through certified mail on XX/XX/XXXX requesting for them to validate the late payment inquiry. M & T received the letter however 30 days passed, and M & T never responded. I disputed it with XXXX, and all I received was emails informing me that the creditor confirmed that the late payment was accurate, however, still, no proof was sent to me.

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 2021-09-16
Company: ALLY FINANCIAL INC.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
i purchased this car at XXXX, i payed XXXX extra and then this interest payment showed up XXXX same price as the bill. i have payed every payment. the total on these payments now are XXXX my credit score was XXXX now its XXXX can you help me with this one please. they ruined my credit and now there creating false bills. the company is ally bank in XXXX XXXX XXXX XXXX XXXX XXXX ut XXXX, ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Venmo has refused to communicate with me regarding my being a victim of Fraud and also Identity Theft on their service. Because they say I'm not a customer ( I'm not ) they will not give me any information. I have filed a case with my Bank who has now closed the investigation with a finding of fraud. Venmo claims that's the end of it because in their POV, the Bank is standing and I do not. 

At their insistence, I have filed a police report. The report names me as the victim of Identity Theft. Resolving any claims with my bank is no longer an excuse to ignore me. 

Now their excuse is that " I'm not a customer '' i.e. I haven't ever agreed to their terms and conditions, which undoubtedly states they won't communicate with anyone but law enforcement on such matters ( which is how they are now obfuscating the process ). Thankfully, I never agreed to their terms and therefore I'm not bound by them. 

I have repeatedly made Venmo aware of the facts, the bank investigation, and the police report regarding my identity theft, yet they refuse to talk to me or even return my communications. 

I'm now re-filing my complaint with the CFPB to now include Identity Theft, and more specifically, I'm naming Venmo as a party to that crime since they refuse to discuss the issue and provide any documentation on the crime. 

Why does the government allow companies like PayPal/Venmo to hide behind these avoidance tactics? They are complacent in a crime. I'm the victim here, not them. 

I demand to be heard and my case resolved. Paypal Lawyer Mr. XXXX is utterly unresponsive and should be held to account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have several accounts with XXXX XXXX XXXX and had a couple late payments reporting for them because my wife had lXXXX XXXX XXXX when she was XXXX XXXX XXXX ... I disputed the late payments and now they just changed them and ADDED a new 60 day late on all my accounts when in fact I was not late! How can they just add NEW late payments now. How can the credit bureaus even allow the response to show valid and now have new late payments reporting? 
This is a clear violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made mortgage payments, Wells Fargo accepted the payments and still foreclosed on my home. 
payments XX/XX/ - pmt - {$4200.00} - PPD ID : XXXX XX/XX/ -pmt - $ XXXX-PPD ID : XXXX XX/XX/ - pmt - {$4200.00} - PPD ID : XXXX XX/XX/ - pmt XXXX {$4200.00} - PPD ID : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: National Credit Systems,Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to purchase a new vehicle and to my surprise I had a debt on my credit report that I was not aware of and had never heard company. The company is National Credit Systems for {$6600.00}, says original creditor is XXXX XXXX, it was reported on XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a 100 percent XXXX veteran. I have a tax exemption that began partially XXXX and all of XXXX. This exemption will be permanent moving forward in the amount of {$140000.00}. My mortgage lender Freedom Mortgage is declining to correct my escrow payment amount and has increased my mortgage. I spoke with their tax department ( XXXX ) and we did a three way call to the XXXX XXXX Tax Assessors office and spoke with the supervisor their XXXX XXXX XXXX XXXX who confirmed that indeed I was approved and had a tax exemption in the above referenced amount. Freedom states that they can not make the necessary corrections unless the tax assessors office sends a new tax bill. The Tax Assessors office contends that they will not send a new tax bill until XXXX. In the meantime, I a XXXX veteran suffers in the middle of a pandemic because No One is willing to assist or go above the call of duty. I'm stuck paying a higher mortgage payment or choosing to be homeless or foodless. I have sent over the letter from The Tax Assessors Office twice to Freedom Mortgage all to no avail.

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 2019-05-06
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have a consolidated loan with Nelnet/XXXX for my ex husband who is now deceased, and myself. We consolidated approximately {$12000.00} principle of his loans and approximate {$7000.00} of mine, in XXXX. 
Upon our divorce, we made an agreement that each of us were to repay on a schedule. Due to many hardships in our lives, we have used the forbearance and wage repayment schedule. 
He died in XX/XX/XXXX and his Plus loans and other federal loans were forgiven, however, a company called XXXX XXXX XXXX has recently started calling me at work, after I requested they not call my work number and gave them my cell number. They call to get a repayment plan with their company.I have received a letter from their offices stating I had 30 days from XXXX to request a hearing. I responded with the form provided requesting a settlement or a hearing in person. XXXX XXXX is threatening a wage garnishment if I do not not enter into a verbal repayment plan over the phone and will not consider a settlement on my loan debt balance ; they insist on collecting the deceased   husband 's principle and 22 years of interest. They have requested documents supporting the loan original balances and the certificate of death of my ex husband. I have emailed, faxed and mailed all these documents, including bankruptcy forms for which my debt was listed in a bankruptcy in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: Experian Information Solutions 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:
I have 2 inquires XXXX XXXX XXXX XX/XX/2019 and XXXX XX/XX/2019

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