BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Last year, I filled a request for deferment. FedLoan sat on the application for MONTHS but did not process it, resulting in late payments being recorded on my credit report. This is negatively affecting my credit score and in turn, is affecting my ability to get approved for an apartment. These late payments were at no fault to me, but due to the inability of the staff to perform their basic job functions appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is a total scam supposedly portfolio recovery, they call daily I will not answear from reports I have read they are targeting vulnerable seniors, I am presently blocking all calls and I will continue to do so, but I hope something can be done about these obvious criminals for the sake of hard working all their lives vulnerable seniors. 
I have been on do not call list since XX/XX/2009. 
My social was compromised XX/XX/2009. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-11
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:
There are many mistakes appear in my report without my understanding.

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 2019-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
on XX/XX/XXXX I purchased some XXXX tickets for {$300.00} and made the payment through XXXX. The following day, XX/XX/XXXX I found out that it was a fraud. 

I contacted the seller and asked for a refund to which they said no. 

I then contacted my bank, Chase, through which I made the payment to ask for their assistance in reporting it to assist getting my money back. They said there was nothing they could do. I tried to elevate it, but they stated again that there was nothing they could do. 

I am now out of {$300.00} when I thought my bank would assist in reporting the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted a previous complaint thru your portal in XXXX with complaint ID XXXX, do to Inaccurate accounts showing on my credit report. I received a response from the company stating that the accounts has been verified that they belong to me which is not accurate.

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 2018-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I got an E-mail from " XXXX XXXX XXXX XXXX '' saying I had to do something about my accunt. I fired the Bank of America in 2013 and have NO ACCOUNTS THERE.

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 2018-04-18
Company: Skrill USA, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On or about XX/XX/18 I logged into my XXXX account and tried to withdraw my balance of {$350.00} to my connected XXXX bank account. I received an error message, something to the effect of " withdrawl failed. '' I then emailed the skrill support at XXXX to alert them to the problem. I then ultimately received an email on XX/XX/18 whereby they informed me that my account was getting closed. They didnt really give me a reason other than quoting some of their terms and conditions etc. I assure that no fraud was committed by me in any way. I have no idea why they closed this account. I want an explanation and at a minimum I want the {$350.00} that was left in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i paid this debit that was from when i was married after they threathen me i paid XXXX a month for 2 year i than asked at the end of to year to send me pay history and balnce if any owed in XXXX of 2016 now 2 years later there claiming i owe XXXX more which why did they wait 2years to collect and i made several requests when i had money to cler any balance up! for a print out well no tey agian rather be sneaky XXXX s and hide two and attach my wages thats going to kill me and make me homeless!!!!!

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 2018-02-08
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: Old information reappears or never goes away

Complaint:
Thank you CFPB for assisting me in resolving this matter. To again summarize there is an account showing on my personal credit report from XXXX/XXXX for {$1500.00}. The unverified account from XXXX/XXXX showing a charge off of {$1500.00} from 2011 which I have brought to the consumer credit bureau 's multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt- which illegal and outside the statue of limitations to collect on. I had previously disputed this account. I have never done business with XXXX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX/XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX/XXXXCease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Experian Information Solutions 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:
The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. 


XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS 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 2019-01-07
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
I've called and mailed the bureaus and asked to have the info corrected. The problem is still here. I can not pull up or see my credit report nor my credit scores.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I had a collections from XXXX XXXX on my report. I disputed and Experian deleted the acccount. Then the debt collector sold my account too another collector and Experian will not delete the account even though they did before. I have shown them proof of what they did before and they won't change it back.

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 2018-06-10
Company: EQUIFAX, 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:
To Whom It May Concern, On XX/XX/2018, I filed a request/dispute with Equifax, and XXXX   via Certified Mail in reference to Public record information on my report. Specifically a chapter XXXX bankruptcy case number XXXX. The Agencies - Equifax, and XXXX  then alleged to have obtained from a local, state and federal court through a 3rd party vendor XXXX. Included are two letters, one from United States Bankruptcy Court, XXXX District of Illinois stating that The bankruptcy court does NOT perform any activities with the credit bureaus, and another letter from XXXX stating that XXXX was unable to verify the accuracy of bankruptcy case number xxxx within the required timeframe as outlined by the Fair Credit Reporting Act and subsequently removed this record from my XXXX Risk view report. If XXXX has already removed the bankruptcy ( case number XXXX ) from their records, I feel Equifax is reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The only clear thing is that the Equifax is in direct violation of my rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. I humbly ask for assistance in having this information deleted from my Credit file at Equifax, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX account below is showing as a charge off and failure to pay. This information is not correct. I have attached proof of payments as well as I have future payments setup to pay. By law a company can not give you a charge off and still collect payments on an account. They have also made treating comments and remarks about how they can collect for this debt. 

Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$27000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount {$27000.00} Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL 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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted a previous complaint thru your portal in XXXX with complaint ID XXXX, do to Inaccurate accounts showing on my credit report. I received a response from the company stating that the accounts has been verified that they belong to me which is not accurate.

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 2018-12-06
Company: VIRTUOSO SOURCING GROUP, LLC.
State: VA
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:
XXXX  impeded Mr. XXXX ability to dispute a negative information and it is the only negative item that was added by XXXX and/or accepted by XXXX despite they knew now the fact that collection was in violation of the FCRA by XXXX  and the collection. XXXX  blocked Mr. XXXX from disputing that collection as you can see its name on one of the attached files along with the other files that support the immediate deletion of that collection is imminent to comply with the FCRA. XXXX added an unthorized address to Mr. XXXX credit file. XXXX  knee that XXXX  already deleted that collection that violates the FCRA.When Mr. XXXX found that XXXX   blocked him from using the XXXX  online dispute process ( XXXX  in a recorded call confirmed this information and this is a discrimination with malicious intent to impede a customer to dispute a collection properly and win ) because XXXX  knew if they let Mr. XXXX to use that online dispute process without restrictions he would win and XXXX  would had deleted that collection by now. XXXX   now is served through this platform the attached files that were already sent to XXXX  by they trashed them or ignored them and XXXX to explain why they did that in violation of the FCRA.XXXX  must delete that collection immediately and permanently and comply with the law. The attached files reference to a Mr.XXXX specific XXXX  credit report number. Included also the name of the collection. A XXXX XXXX banks Letter confirming that Mr. XXXX and XXXX XXXX never stopped or blocked or any adverse action toward XXXX from getting paid for any account that Mr. XXXX has with XXXX and knowing that any account that he had with XXXX if any had auto payment from same XXXX XXXX credit account that it is still open and never changed and always had over {$4000.00} available for XXXX to get paid If they wish to and XXXX should never sent any account that they have for Mr. XXXX to a collection. XXXX Account statement states clearly do not pay because auto payment is set up for Mr. XXXX Account. Therefore, the collection must be deleted and XXXX  must delete that collection or face serious legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-05
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX account below is showing as a charge off and failure to pay. This information is not correct. I have attached proof of payments as well as I have future payments setup to pay. By law a company can not give you a charge off and still collect payments on an account. They have also made treating comments and remarks about how they can collect for this debt. 

Details Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$27000.00} Balance Updated XX/XX/XXXX Original Balance {$45000.00} Monthly Payment - Past Due Amount {$27000.00} Highest Balance - Terms 75 Months Responsibility Joint Account Your Statement **CONSUMER STATEMENT** NEVER LATE, ACCOUNT WAS PAID AS AGREED. 
Comments - Contact Information XXXX XXXX XXXX XXXX, FL 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 2018-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Have you had your identity stolen? If you don't know you should check with XXXX. Last year ( XXXX ) they had a data breach that affected nearly every voter in this country. I personally have had personal id information stolen due to data breaches at XXXX XXXX, XXXX XXXX, IRS and most recenty at the credit reporting agency called XXXX. The IRS data breach occured in XXXX and I only discovered it when I received a credit card from a bank I did not recognize. At the time I called the bank/credit card company and they advised me to implement a credit freeze and also contact IRS. When I called IRS they told me about their data breach and also said someone had already filed a tax return requesting refund. Fortunately that return was caught - so no refund was issued to the identity thief. More recently personal id information ( belonging to both me and my wife ) was stolen from the XXXX XXXX XXXX XXXX. 

In order to protect my wife and myself I have had to implement a credit freeze with fraud alert on all of our credit files maintained by the big three credit reporting agencies. I did this back in XXXX when I first discovered the IRS related identity theft. Needless to say, this seems to have worked but it has only worked at great personal cost in terms of time. Let me give you a specific example. My wife and I are now trying to borrow money to buy a home. In order to do this I now have to contact 3 different credit reporting agencies twice ( total of 6 times ) to have the freeze temporarily lifted for both myself and my wife. In the last XXXX days this has eaten up at least XXXX to XXXX hours of my time ; and I am still not sure if it's done because my loan broker told me he is still having not able to access all of my credit files. Transunion always seems to be the worst as the PIN id numbers they provide never work on their website -- which means I have to make at least XXXX long phone calls to them in order to get a temporary freeze lift. Needless to say this is a colosal hassle and waste of my time -- because this not really to protect myself -- it protects unwary lenders. 

Once your identity has been stolen the problem never goes away. Companies like XXXX, Transunion and XXXX and lenders in general should not be able to profit from identity theft. We need stronger laws with serious and well enforced penalties that prevent this kind of profit. The XXXX reporting agencies should create a single easy to use website/application that consumers can use to lock and unlock their credit files. No one should have to spend hours doing this. In addition, all lending institutions should be required to know the person whom they are lending money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
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:
After seeing recent media on hacks on the American public information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report. 

These accounts are inaccurate and should not be on my credit report. 

XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

These following companies below have put unauthorized inquires on 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

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 2019-02-18
Company: ALLY FINANCIAL INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
It took 4 months for Ally Financial to deny my loan. They scheduled closing dates then said my loan was denied. From XX/XX/XXXX to XX/XX/19. Continue to lead me on that thry only need more info. 4 months later. Still verifying my employment Every week underwriting changed criteria and needed more information for my application. I was pre approved in XX/XX/XXXX. Always excuses no reply rude employees not finishing my application. Then time affected my loan credit score and I was denied. If they would have processed my loan in a timely fashion I would be in a home. Now I cant go any place else XXXX XXXX ruined my chances for my loan.

Company response to consumer: Closed with explanation