BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a letter to the credit bureaus, asking them to investigate multiple errors that appeared on my credit report. To my understanding, they are supposed to investigate my concerns, and respond back to me with the results of the investigations within 30 days. However, I have yet to receive a response. In fact, two weeks ago, I sent follow-up letters to all three bureaus, and they none of them have yet to respond 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 2023-02-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I didn't authorize or give any permission to these company pulling my credit report 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: WELLS FARGO & COMPANY
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
hello see attachment. i still have not received approval and confirmation of my loan modification adjustment from Wells Fargo by mail and no copies outlining the plan and if I make payments I want to make sure it will be applied

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 2020-10-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report was accessed without authorization or permissible purpose that resulted in fraudulent loan by 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 2022-01-11
Company: EQUIFAX, INC.
State: FL
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 sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Experian Information Solutions 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:
XX/XX/2020 around XXXX XXXX In regrades of my Experian credit report, XXXX  XXXX, XXXX  XXXX. This is for all the credit Reports Agencies. All three want me to pay to monitor my credit even though I have fraud protection, freeze being a victim of Identity theft I have started checking my credit report every month sometime twice a month I also check with my creditors, my score was on XXXX on XX/XX/2020 after I spoke about my credit the gentlemen wanted me to pay for an upgrade I had did that before I told him no. And the next day XX/XX/2020 my score was taken down by four points. And they also ask about Boost up your credit with paying your utilizes bills but they only work with certain credit union and mine is not one of them. Another time XXXX all the way back to XXXX score up then every time I call with my credit report they want me to pay money, so I am wondering do I have to pay the credit bureau to have good credit even though I am paying my creditors. then I was ask to pay money to upgrade for my protection over my credit my response was why should I continue paying Experian {$20.00} a month more to raise my credit score up {$19.00} per month for XXXX. XXXX  {$29.00} per month. Now the way the economy going paying a total of {$70.00} a month is that fair to you all. I am a XXXX  and I work very hard on my credit. Please stop lower my credit points for know reason.

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 2021-05-21
Company: Eastern Account Systems of Connecticut, Inc.
State: VA
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:
In XX/XX/2021, I became aware that Eastern Account System was reporting that I missed payments to XXXX XXXX. These accounts do not belong to me. I sent a letter to Eastern Account System on XX/XX/2021, notifying them of the error and requesting that they correct the error with the credit reporting bureaus. According to the USPS, the letter was received by Eastern Account System on XX/XX/2021. I also disputed the accounts with XXXX, XXXX, and XXXX. XXXX and XXXX removed the information from my report, but I'm still waiting to hear from XXXX. Today, I was notified by XXXX XXXX alert notification system that the accounts have one again been reported by Eastern Account System as delinquent accounts. I will have to now start a new dispute with the credit reporting bureaus. I still have not received a response from Eastern Account System to my XX/XX/2021, letter, even though they received my letter over two months ago. My credit score has dropped by over 100 points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided. my last letter i send is attached to this complaint

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 2017-08-11
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX Account # : XXXX*********** I was never late 30, 60, 90 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement

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 2022-08-06
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:
I've tried several attempts to dispute inaccurate information on my credit report. experian keeps stating that the address and telephone number is correct. I can't contact original creditor about this debt of 7years. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

XXXX XXXX XXXX A # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ADDRESS IS INCORRECT PHONE NUMBER IS INCORRECT WHO IS VERIFYING THIS DEBT? WHAT IS THE CORRECT ADDRESS? WHAT TELEPHONE NUMBER DID U CALL? CAN U PLEASE GIVE ME A CONSUMER CONTRACT WITH MY SIGNATURE? 


I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
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 2018-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After reviewing my credit file I have come across information reported from XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX XXXX XXXX XXXX and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.

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 2018-07-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt went in collections. It was paid as agreed had contacted both the creditor and debt collector about reporting it correctly. Neither would acknowledged me and my problem

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 2018-04-03
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX, I reapplied for my income driven payment plan for my federal loan with Navient. At that time, it was determined that I was eligible to pay a lower monthly payment. In XXXX, the rate reduction program on my private loan expired. In order to reapply, I had to give Navient a new financial statement. My income and expenses had not significantly changed from the previous year. So my expectation was that I would continue to pay my lowered rate of 3.5 % and pay $ XXXX monthly. Instead, they told me that I can afford to pay more money and increased my rate to 6.5 % and my payment to {$480.00} a month. As they were explaining how they came to this conclusion, they informed me that they werent taking certain expenses into consideration from my financial statement ( credit card payments, federal loan payments from a different lender etc. ). They also stated that I have {$600.00} left over after paying my other monthly expenses and that I should be able to use to pay them $ XXXX  month. However theyre are credit card and federal loan payments that need to be paid on a monthly basis. For example, my federal loan with a different servicer is {$220.00}. Paying both of these two bills alone will put me over my monthly income.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Citibank has repeatedly frozen my accounts and placed fraud alerts although I have had ample funding. At one point I have been able to make certain transactions while others were denied. When I contact them via telephone, they are unable to send me text messages to the phone numbers provided in order to address any concerns. My debit cards have been frozen while I have been at merchants trying to make payments and the bank is unable to confirm my identify even with personal information which I am able to view online. The telephone representatives never provide any information on your accounts and you are unable to address any issues with the bank. They repeatedly tell me that I need to call back once I receive secure messages. I have provided them with my cell phone number and I am often told they need to call my work or another phone number which I may not have access to at the time. The wait times to address fraud activity is extensive and you are often left at merchants for extended periods while the phone rep fails to address the concern. I recently updated my account, received a new debit card and checks. I logged and the new account is missing. I have logged in to see secure messages saying that they tried to contact me which is false. I never receive any calls to my primary mobile phone regarding any suspicious activity and when I call no one is able to assist me. This has happened in excess of ten or more times. Below is the  message below I received via secure mailbox. 

" We have reason to believe that your Citibank Banking Card may have been compromised. We have attempted to contact you by phone to speak with you personally but have been unsuccessful. As a precaution we have reduced your daily purchase limit. Please contact us immediately in order to confirm your recent account activity and restore your purchase limit. This can only be done by directly speaking with our Customer Service department. Representatives are available to assist you, 24/7, at  XXXX. If you are calling from outside of the United States, please call collect at 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 2018-04-03
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
A security freeze I put in place through Experian I thought was designed to prevent unauthorized inquiries. How I am unauthorized access or unable to grant access without " a written letter '' or alleged " upload '' of current ID, of which is improperly designed, not secure, unsafe with " XXXX '' extensions, and does not run, is clear and confusing to complainant and is in violation of my right to my privacy. And anyones ability to " access '' a " credit file '', from a browser without logging to site w cc a payment and " security '' responses -REALLY! ACCESS IS R/W? I AM STUNNED AT THE XXXX  OF ALL 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 2020-10-27
Company: JPMORGAN CHASE & CO.
State: NJ
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 booked XXXX plane tickets using my Chase credit card with XXXX XXXX XXXX round trip XXXX to XXXX XXXX leaving XX/XX/XXXX, returning XX/XX/XXXX. The flights were cancelled. I have contacted Chase on the following dates to get my refund : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I was initially told my refund would take 10-12 weeks, then on XX/XX/XXXX was told 45 days ( which would have been XX/XX/XXXX ), then was told on XX/XX/XXXX that they would request again, and told the same when I called XX/XX/XXXX and then XX/XX/XXXX. Each time I was told they had contacted the airline but they were backlogged and unable to process my request. It was then suggested that I could try disputing the charge with Chase 's dispute department but when I attempted to dispute the charge I was told too much time had elapsed for a dispute. I just want a refund for a flight I never took. I believe my credit card company owes me this refund. Thank you. ( I have also filed a complaint with the US Dept of Transportation but have not heard back ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, 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:
XXXX partial account number XXXX ; XXXX partial account number XXXX ; and XXXX partial account number XXXX should not be reporting to Equifax ; XX/XX/XXXXand XXXX that I was late on these accounts. ( Please see page attached from my credit report. ) I was in the middle of refinancing and was working with a bank representative that assured me that no late payments would report on these accounts. I was not aware that any lates were being reported until I obtained a copy of my credit report. This false reporting of lates is seriously harming my credit score and need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation