BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
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: Information belongs to someone else

Complaint:
Experian has 2 addresses on my report that do not belong to me as well as 2 XXXX account that don't belong to me. The 2 addresses are : XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX, XXXX, TN XXXX I have never lived in Florida or Tennessee or used A XXXX card in any of those states. I have attached 2 of the XXXX accounts from my credit report. If you look at my credit report you will see I have good credit. There are 2 addresses and 2 accounts the have been on my report now since Covid and Experian has violated my Fair Credit rights over and over and they are getting away with putting what ever they want on consumer credit reports. I have asked for this to be removed 6  times now since XXXX and they keep sending a computerized report saying it belongs to me. I know for a fact they didn't do an investigation because I have never lived in either one of those states. They have not sent me any updated reports in the past 2 disputes. I have tried to file a police report about the accounts. It has been impossible and frustrating trying to get something done on the phone. I filed in 2013 because a man tried to open a bank account in my name. I have not been successful at filing a report because of Covid. We cant go to the station and they are not taking calls. I guess my issue is not that important. That left me to filing a complaint. It is already a challenge living in this Covid world but now it has given the credit bureaus more excuses to put inaccurate info on our reports and not correct it. This has caused me tremendous stress and has affected me from living my life because there is something on my report that doesn't belong to me. My chase credit cards were closed because of the 2 XXXX account and XXXX said I has 6 months to get it removed and they would restore my cards. Needless to say they have not removed them and it has cost me dearly. I worked hard to keep my credit in the high 700 and I had that before the put those accounts on my file. I had my XXXX credit cards for years and because Experian didn't follow the federal law I have lost both my cards and they are ignoring that they can not connect me to either one of the XXXX accounts or addresses. I want these items removed from Experian and XXXX XXXX. XXXX  removed both accounts and Addresses after their investigation.

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 2018-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX never picked up equipment after we moved. This charge has been removed last year by XXXX and now it appears again with a new debt collector. It states in report that this has been charged off. Have them remove it immediately. Debt collector was notified but still reported this.

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 2018-12-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am sorry if you get this twice, but I don't think it sent the first time. 
I never received a PIN after I put a freeze on my account at Experian in XXXX and tried to get the PIN by requesting it online and instead received the message attached. 

Never could get a live person to talk to. Are they or are they not issuing PINs after the XXXX security flaw exposure? 

What happened In XXXX, I placed freezes on my information at the three main credit reporting agencies. Even though I had read that PINs may be re-thought after the Experian 's latest industry malfunction, within a few days, I got a PIN via snail mail from XXXX, didnt receive one from XXXX   but was able to request another one by speaking to a representative over the phone recently and expect it will arrive any day. I did get confirmed through a live person at XXXX and XXXX that the freezes were in place. 

Then theres Experian, which refuses to have live people available for help. I went through prompt after prompt from one computer recording message after another. I was able to determine that there is a freeze on my account by choosing options leading toward unfreezing my account, which of course I can't do because I don't have a PIN and don't know how without one. So I requested the PIN online. After responding with all the requested information correctly, the system came back with the attached message, and I have since replied to it. 

This is just another example of a credit reporting company out of control and not being held accountable and responsible for the job it is supposed to be doing. I understand in light of the very poor performance of this industry that they may be taking extra precautions and I do appreciate " being protected, '' but they need to fix BOTH ends of the business, not just the protection side. And they need to give consumers access to a LIVE person. 

It's a good thing I don't have an emergency that I need to have money for. So they need to send me a PIN if they are still using them and, if not, an explanation of how to unfreeze my information easily and quickly when I want to. 

As a P.S., you have there are two wrong residential addresses on my account, which I tried to have removed years ago, and they refused because they said some financial institution reported that I lived there. I have lived in one house for over 40 years. At the time they insisted their info was correct. It wasnt and it still isnt. That's next on my list but I don't have much hope.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
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:
n accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, 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:
Hello This Report is Inform these Companies that I did not Authorize any of these Accounts this is all fraud accounts I never had any Business with these Companies someone used my identity with out my Knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Immediate Credit Recovery
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
My parents told me to go to XXXX XXXX, even though I had heard about their fraudulent practices, they thought good idea for me to go there. I went, got an XXXX and in the end I was told I needed to redo a loan for one final credit, which was only about 2k and now all of a sudden I'm informed, after notice my federal tax returns are being taken from a federal credit collector, THERE'S NO WAY I OWE OVER 10K as now stated, I had paid off my XXXX XXXX credit loan. Hoping to get a way to be forgiven, since it's one of the most fraudulent circumstances I've ever seen or have had to deal with, especially with it being almost 10 years after I have actually graduated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: SUNTRUST BANKS, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is XXXX by sending Suntrust written request As XXXX XXXX ( Vice President of advocacy management office )!

However Suntrust Never responded to my request!!!!

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 2019-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried going through the centralized website XXXX and then through XXXX to get my credit report as I believe I am the victim of identity theft. 

Neither are willing to help me even though I verified all the credit information questions over the phone for XXXX. Since I am living abroad in XXXX where I am a student, they are refusing to help me see my credit or to mail the credit report to either me or my family. 

They are negligent in their responsibility to help me and are endangering me by being irresponsible and now I am unable to act to secure my credit or my identity. 

The US government should fine these companies and provide a public option.

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 2018-04-28
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The banks new firearm policies recently enacted by the bank run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights. Political activism by companies that receive taxpayer money is wrong an especially so when it is attempted to curtail consumers freedoms to buy what they want and for business to interact. The 2nd amendment is fundamental right defined by nature laws which come from our 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 explanation
Consumer complaint received 2020-02-05
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:
I believe my information was compromised either due to a hack or someone obtained it illegally another way but It was used to open accounts that I have never done business with and now they are coming after me for the debt. These include XXXX XXXX XXXX, XXXX XXXX, the bureaus, XXXX   XXXX  and XXXX  XXXX XXXX. Please help me get these fraudulent accounts off of my credit permanently. Thank you.

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 2019-03-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My accounts are paid on time, yet my credit scores are declining. The credit reporting agencies are improperly reporting my credit.

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 2020-10-12
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I opened a Checking and Savings account with First Citizens bank. This was opened with an opportunity to earn {$300.00} with the following requirements : 1. {$50.00} minimum opening deposit 2. Open a savings account 3. Direct deposit at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. 
4. Enroll in estatements I completed my 10 debit transactions on XX/XX/2020 and made sure to enroll in estatements, a savings account, and also deposited just over {$50.00} between my two accounts. It is now XX/XX/2020 and I still have not received my account bonus. I have read that a lot of people that also enrolled in this offer have also not received their bonus without filing a complaint. I met the terms and conditions of this offer - I need First Citizens to meet theirs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-19
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2021, I viewed my credit report and saw there was a new collections from National Credit Adjusters that is for a very old debt. This debt was closed at least over 10 years ago. I have been a victim of this creditor re-aging old debt which is highly illegal. I've disputed the claim on my credit report and want it removed from all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Meade & Associates, Inc.
State: WV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I noticed three accounts from the XXXX XXXX on my credit report. The original creditor was XXXX. 
I wrote a letter to XXXX last winter and informed them that I had been a victim of fraud ; my now ex-husband sent his new girlfriend into grocery stores and wrote checks for food. I asked them to please work with me, as the bank has been doing until this goes to court. My certified letter was ignored and immediately the XXXX XXXX started reporting these accounts. 
When I was first made aware of the situation, I filed a fraud report with the credit reports and thought my files had been frozen until this can be resolved in court. 
I am protected under the FCRA from this being done to me with these accounts and have jumped through every hoop possible to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sold Bitcoin to username ( XXXX ) on XXXX. The buyer then did a reversal of funds by claiming the payment was unauthorized. The transaction date was XX/XX/XXXX and I was notified of the reversal of funds on XX/XX/XXXX. The transaction amount was for {$7300.00} ... The transaction was through PayPal and I have been in constant contact with PayPal regarding the situation. PayPal has ruled in favor of the buyer because they say they don't cover digital transactions. I sold a product valued at {$7300.00} and received the money for this product. Now PayPal wants me to refund them the money for this product but I have no way to recover the product ( Bitcoin ) which I sold. I have screenshots of everything concerning the transaction including payment verification and my communication with both the buyer and XXXX. I'm a person with fine credit and am being victimized by this whole fiasco. I'll include everything I have showing my transaction. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Yesterday, XXXX XXXX, I logged onto my bank account and noticed two withdraws from Pay Pal. One withdraw for {$20.00} and one for {$80.00}. I then logged into my Pay Pal account and saw there were two transfers to someone I didn't know. I immediately reported the unauthorized transfers to Pay Pal and changed my password to my Pay Pal account. Pay Pal supposedly investigated the unauthorized transfers, and yesterday they sent me an email stating, " We've completed our review of your unauthorized activity case, and we've determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' This is absurd. Somehow PayPal determined that transferring two random amounts of money to someone I've never sent money to before ( and indeed don't even know ) on the same day is consistent with my previous transaction history?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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:
on XX/XX/19 I submitted a dispute to Experian regarding the XXXX XXXX XXXX account that is reporting. Experian stated the account was valid. on XX/XX/19 I requested Experian provide me with the details on how they validated this account. Experian has not provided me with the details on how they validated the account. Experian is in violation for not providing me with the information I requested. 

I also reached out to XXXX XXXX XXXX and requested validation of the account. They also have not provided me with the information. 

So clearly this account was never validated and can not be validated.

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 2018-06-08
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I tried to set up a bi-weekly payment of {$310.00} every two weeks arrangement with Ocwen. I have never been late in the 10 years of my mortgage loan. However, Ocwen has set up a barrier into the bi-weekly automatic system in which they will not allow a bi-weekly system unless you've paid an entire 30-31 days before the next payment is due. For example, I've paid for the entire month of XX/XX/XXXX, but they won't allow me to do bi-weekly until I have paid they entire month of XX/XX/XXXXfirst and my bi-weekly won't start until XX/XX/XXXX. I believe this is a form of steering their customers not getting into bi-weekly payments, thus having their borrowers staying longer into their debt. The actions of the company where this statement " You have to qualify for the option of bi-weekly payments. If you don't qualify for bi-weekly you have other option of monthly payments ''. My response, " I've been on monthly payment option for 10 years. You're steering me away from the bi-weekly option and keeping me in the monthly payment '' I would understand why this control feature is necessary for people who are late on payments. But I've never been late!

Company response to consumer: Closed with explanation