BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-12
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:
I am a member of Experian 's Protect My ID identity theft protection and have been for a number of years. 

My problem started a week ago when I got an email from Experian telling me that my account has been updated. ( I did not update anything in my account ). 

So I click the link to log in and the Experian system doesn't know who I am. Says it doesn't know anyone with my email address. 

See below. 

I attempted to log in, reset my password, made phone calls to 10 different numbers associated with Experian. The computer answers the phone and most recent said my wait time was between 8 and 12 minutes. After 1 hour I hung up. Nobody ever answers the phone or replies to my emails and I never get the password reset link. 

I need to get this straightened out.

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 2020-11-20
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i had identity theft and incorrect debt on my cards. it was exacerbated by covid pandemic. experian as not been helpful throughout this and i wax a victim of identity theft years ago and they never flagged it for 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 2020-08-23
Company: DISCOVER BANK
State: MD
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news  about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
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:
The student loan servicer removed the indicator on my credit files which stated COLLECTION ACCOUNT AFFECTED BY NATURAL DISASTER FIXED RATE As a result this has negatively impacted my credit rating. I feel that they did this with malice to cause impact me negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called XXXX XXXX XXXX. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.

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 2020-07-03
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2020 the company XXXX advised me that a full refund would be on the account. They advised that the credit would appear in 10 days. It has now passed this timeframe and the email states that the credit would appear as of XX/XX/2020 I contacted Citibank that is affiliated with the Best Buy Visa Card. The amount of money that is due to be credited to me is {$530.00} this has yet to be seen on the Visa statement that is in dispute. The Citibank Visa Department has yet to handle this as they sent me to fraud which they advised is closed. This card is showing a huge balance and reporting incorrectly with the credit bureaus. I have advised them and the company which is big has been failing to make the corrections to my balance to correct my bureau for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2018-12-12
Company: Telerecovery Corporation
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Complaint Department Dear Sir or Madam : I am writing to dispute the following information in my file. SOC SEC number XXXX ODB XX/XX/XXXX A report by TELERECOVERY Date Opened XX/XX/XXXX Status Collection account. {$410.00} past due as of XX/XX/XXXX. Balance {$410.00} One other account by TELERECOVERY Two Accounts by XXXX  XXXX XXXX  Theses item as matters are as collectable and valid items on my report is disputed. It is not accurate and the alleged debts are uncontrollable in Louisiana law and a violation of federal law under the fair debt collection practice law. The file are inaccurate as all have prescribed and uncontrollable. See Louisiana Consumer Credit Law, Violation of LSA R.S. 9:3552 ( E ) 60 days of final payment of consumer credit contract or 1 year for revolving loan or charge account. 

Open account, Action on LSA C.C. 3494 ( 4 ) prescribes after 3 years The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ). 


I am requesting that the items be removed to reflect correct the information. 

Please re investigate this matter and delete the disputed item as required by law as soon as possible. 

Sincerely, XXXX XXXX The below deft has always been disputed - they called me at work repeatedly - the debt is uncollectable as it has prescribed under Louisiana law and is still on my credit report and has harmed me in my attempts to get a loan and insurnace rating cor car insurance. similar debts have been removed this one hasd not disptep MONTHS of efforst to resolve this matter TELERECOVERY Account Name XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$410.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$410.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$410.00} Balance Updated XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: Mortgage Research Center, LLC
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : Malicious Reporting on Mortgage Loan Account Veterans United Home Loans ( VUHL ) continue to report harmful and malicious information on my Mortgage Loan Account. VUHL has refused to remove a Payment Reversal entry from my account claiming that their manager XXXX XXXX verified that there were Insufficient Funds in my XXXX XXXX  account on XX/XX/2020 when I authorized a mortgage payment of {$1400.00} to be deducted from my bank account. 

Moreover, when providing VUHL a copy of written verification or a Letter dated XX/XX/2020 and issued by XXXX XXXX, XXXX Branch Banker, that clearly stated there were sufficient funds in my XXXX XXXX  account on XX/XX/2020 to cover the payment for VUHL. XXXX XXXX, Manager at VUHL and all others : XXXX XXXX and XXXX XXXX continue to distort the truth of this matter. 

Asserting my Rights under RESPA laws, I requested via Qualified Written Request on XX/XX/2020 the name of the Attorney who was in receipt of my Demand Letter dated XX/XX/2020 which I mailed to the address provided me by XXXX XXXX for the Legal Department for Veterans United Home Loans. After getting no response, I sent via email, a copy of the Demand Letter to XXXX XXXX, Manager for VUHL, who falsified information already : " claiming insufficient funds '' in my XXXX XXXX account was the reason for the Payment Reversal being placed in my mortgage file. Rather than provide me, XXXX XXXX. XXXX, with the name of a barred attorney that received my Demand Letter, XXXX XXXX, sends Certified Letters with the address of : XXXX XXXX  XXXX XXXX, XXXX, MO XXXX. This address is merely the address for Mortgage Research Center , LLC, d/b/a Veterans United Home Loans.

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 2018-04-24
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Congratulations on reining in Wells Fargo and making them pay for their arrogance. 
Recently while house cleaning I came across a Wells Fargo piece of mail which I had not opened since XX/XX/XXXX.

The letter mentioned that I had opened a CD for {$5100.00} on XX/XX/XXXX for a term of 3 months. The maturity date was XX/XX/XXXX. The next maturity date was for XX/XX/XXXX. 
The problem is I don't remember purchasing this CD. So I asked the branch in XXXX XXXX, MN what was the disposition of this CD. I do have a checking account with Wells Fargo which evolved into two additional savings accounts without my knowledge. 
The banker said that it's been a decade and they didn't keep records that long. She added that the bank would search the archives if possible. That's the last I heard from Wella Fargo. 
Of course I take the blame for not opening the mail and taking care of the problem a decade ago.

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 2018-04-25
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Got the loan for a window replacement upgrade. I was told that I would not pay interest as long as I paid within 12 months. Loan originated XX/XX/XXXX and was paid off XX/XX/XXXX. The company changed service providers in XX/XX/XXXX where they previously showed the deferred interest on the loan statement. In XX/XX/XXXX the statements provided showed that I was paying 9.99 % interest on an 18 month loan. I made various calls to the company opening investigations. I had made arrangements to have the full principal balance paid in full before maturity. Again in XX/XX/XXXX I called as the balance was a little over {$1000.00} and said there was no reason to pay as the terms were 0 % interest and they owed me money. I was told that I had to pay the balance to close the account. I would need to call and ask them to close which I did on XX/XX/XXXX. I got a letter on XX/XX/XXXX saying that the account was closed. I called numerous times to follow up with them on the interest owed to me in the amount of {$1700.00}. They said it would be processed in 60 days. This is not what I understood to be the case when I initially entered into the agreement. The first statements always showed the deferred interest until the change of service providers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-24
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I C SYSTEM is showing up on my credit report stating I owe {$260.00}. there is no contract or anything on file.

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 2020-08-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I've tried for month to get my credit report corrected through equafax. Unlike some of the smaller credit more effecent reporting agencey make it more customer service friendly they do not on my credit report the other agenency are showing a credit score of XXXX and equafax is showing XXXX how can the cfpb allow a company like this get away with possibly ruining a person life because of a faulty report. A company that has been in business as long as they have should have a check and balance system in place to detect such errors immediately. But instead they are allowed to run a muck. Here are some reports that were filed with other agencies with no problems and my report was updated in a few weeks. XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Experian Information Solutions Inc.
State: LA
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 received notification that my credit score had gone down and there is some unknown XXXX XXXX CHARGE THAT IS NOT MINE FOR {$510.00}!!!!!!! HOW MANY TIMES DO I HAVE TO DEAL WITH THE XXXX AT XXXX AND XXXX  ABOUT THIS ISSUE???? They have removed and put back on this same XXXX over and over AGAIN!!!! I DO NOT AND HAVE NOT HAD XXXX XXXX!!! THEY HAVE TRIED THIS BEFORE ONE TWO AND THREE YEARS AGO AND I FOUGHT THIS XXXX OFF WITH XXXX!!!! I TURNED THE EQUIPMENT IN AND HAVE NOT HAD XXXX SINCE 2015!!!!! 
GET THIS XXXX OFF OF MY CREDIT REPORT NOW BEFORE I SUE XXXX AGAIN

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 2020-11-14
Company: Experian Information Solutions Inc.
State: GA
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:
FTC Confirmed Identity theft items confirmed as ID theft by creditor are still being reported by Experian even though multiple 605b block request were received. XXXX and XXXX have complied, but Experian continues to report fraudulent items and refuses to investigate. 

FCRA 605B only allows for credit bureaus to deny a 605b block for " reasonable '' assessment of the request. Considering that the identity theft has been confirmed by law enforcement and the negative items were removed by both XXXX and XXXX. Experian is clearly in violation of FCRA section 605b.

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 2020-10-15
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 fraud alerts or security freezes

Complaint:
I have request that my freeze be removed permanently XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, XXXX OH XXXX DOB :XX/XX/XXXX S.S. # : XXXX I have updated my address with the UNITED STATES POSTAL SERVICES as well. Please REMOVE any and all security freezes at once.

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 2018-12-12
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Bank did not properly disclose an excessive fees charged when a balance dropped below {$50000.00}. At the time of account opening, I was having issues because I was not receiving documents as promised. I called the bank on at least 7 occasions. I never received a signature card, they enrolled me in paperless statements without authorization, I was unable to create an online account ( they assisted and got it done ) etc. In XXXX, the bank started charging me a {$30.00} fee. I did not notice it right away- I do not recall receiving the statements however I was recovering from a major illness. In XXXX, I called several times about the charges and requested the terms and conditions and the proof of my authorization for these ridiculous charges. Why would I pay {$30.00} for a checking with over {$25000.00} balance when there are free checking accounts everywhere? I asked they send me the consent from account opening. When I did not receive it several weeks later, I called again this morning. I was on the phone almost an hour. I was told the information is " proprietary '' on three occasions ( ridiculous use of that word! ). I was directed to new accounts who could not verify my consent then I was set up with a personal banker who would not allow me to speak and just kept interrupting me. She finally confirmed- and repeated it several times at my insistence, they do not have the consent. She said she can walk me through a similar account opening- I again, asked for MY consent as it should be required in record retention. The manager and woman I spoke to were just so unaware of any regulatory requirements for retention of account opening records or records of disclosure. The customer service people here simply do not care about consumers rights.

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 2018-04-24
Company: EQUIFAX, INC.
State: OR
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:
It is a simple problem that Equifax refuses to fix. 

I had an account in collections. I made a settlement agreement with the collection agency. Part of that settlement agreement stated that the collection agency would send a manual deletion of the account upon my down payment. I made the down payment and the collection company sent the manual deletion. XXXX   and XXXX have both deleted the account from my credit record but Equifax refuses to do so. Equifax continues to maintain that the collection agency has not sent the manual deletion. I have spoken with the attorney for the collection agency and they have indeed sent the manual deletion three times. I am inclined to believe him because not only did he give me proof of the manual deletion being sent but two of the three credit bureaus have removed the item without hesitation. 

I own two businesses and employ 30 people. This negative reporting on my credit file is causing me to not be able to have access to lines of credit as well as access to other traditional capital financing opportunities. 

I have been working closely with the attorney with the collection agency. I have letters as well as other documentation showing that this account should be deleted and the attorney has even made himself available to speak directly with someone at Equifax however Equifax refuses to try to help me resolve this issue even in the slightest manner outside of beginning another useless dispute process ( I've done three disputes with them now and each time they not only get things wrong with the account but they " update '' it and end up reporting incorrect information. 

Please help, I am nearly insolvent due to my lack of access to capital which is 100 % because of Equifax not complying with the request of the collection agency that I have settled with. 

Yours truly, XXXX

Company response to consumer: Closed with explanation