BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: CO
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:
Due to XXXX XXXX keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until Experian sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED XXXX credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. XXXX XXXX denies any further fraud after their investigations. I will forward copies of all of it to CFPB.

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 2018-07-30
Company: Convergent Resources, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed with the credit bureaus and Convergent alike the inaccurate entry that Convergent is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX, XXXX  and XXXX. The bureaus responded that this entry was verified. To that end, I submitted my dispute to Convergent. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Convergent did not oblige. 

Convergent 's letter, ( see attached ), dated XX/XX/18 does not provide any substantial evidence to support the veracity in their reporting. To that end, since Convergent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file immediately.

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 2022-08-07
Company: Experian Information Solutions Inc.
State: MI
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:
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked, deleted, and removed. My request to block is not being made in error ; nor is my request to block being made on the basis of a material representation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 

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 2020-06-24
Company: Experian Information Solutions Inc.
State: DC
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 distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
These inquiries are not related to any transaction made by 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 2023-01-21
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 ELAN FINANCI is reporting as an inquiry on my XXXX  report and i never applied for this company either, XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-07
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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report.

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 2018-10-03
Company: Stanislaus Credit Control Service, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been trying to repair my credit. I have contacted this company for months, several times per week, at different times per day. I have left multiple voicemails on what sounds like an extremely unprofessional, unverifiable collection agency. I just want this removed from my credit report as I am trying to repair my credit and purchase a vehicle. I do not want to go through this agency to repay this debt as Im concerned by their negligence to help me solidify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I ADVISED A FEMALE AGENT TO REMOVE A BUSINESS NUMBER BECAUSE THE NUMBER WAS NO LONGER ASSIGNED TO ME BACK IN XX/XX/XXXX. TODAY, XX/XX/XXXX A CALL WAS PLACED TO THE NUMBER THAT WAS TO BE REMOVED XXXX AND THE YOUNG LADY DISCLOSED WHERE SHE WAS CALLING FROM AND REFUSED TO TAKE THE CORRECT NUMBER TO CONTACT ME. I CONTACTED 5TH LOSS  MITIGATION DEPARTMENT THE ONLY NUMBER I HAD READILY AVAILABLE ONLY TO EXPLAIN THE SITUATION TO BE HUNG UP. SPOKE TO COLLECTIONS TO REQUEST A SUPERVISOR ONLY TO BE HUNG UP AND TOLD THAT THEY DONT KNOW WHY THE AGENT CALLED THAT NUMBER WHEN IT WAS REMOVED AND CANT EXPLAIN WHY..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: PNC Bank N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I set up automatic payments for my credit card from my pnc checking account. Minutes after setting it up, I chatted with an online representative to ensure that it was set up correctly. The chat rep did confirm that I am all set. On the due date I logged into my PNC account and see a pending payment towards my credit card. I log on the next day and that payment disappeared with late fee charged to my account. I called customer service and they were unable to find any scheduled automatic payments. They waived off the late fee stating that since I missed the payment for the first time. Clearly, its not my fault. Their IT team needs to look into on what went wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: EQUIFAX, INC.
State: GA
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:
This is my second complaint with this company and me not being able to access my credit report with Equifax, Every time i get on site and submit my information it states its can not be found I have to attempt at least ten or more times keying same information before i could possibly get in. This is a headache because everytime i call i provide same information im keying over the web and they say they dont know whats the problem. This is too time consuming and is not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I purchased an item and paid for it via Paypal. The seller shipped me an item " not as described ''. I contacted the seller and they assured me numerous times that they would ship a replacement. 3 weeks transpired and they refused to provide any tracking information and all i was getting was lip service/run around. I opened a dispute with Paypal for the incorrect item. Paypal did authorize the refund IF i returned the item back to the seller. I told them I would be happy to do so but that I will not be responsible for shipping charges to return the 15LB item back to XXXX ( shipping alone is calculated at over {$150.00} ). I ordered the correct item and the customer service rep for the company confirmed what i ordered and was shipped something completely different, not to mention the item i received is a counterfeit XXXX  product made in XXXX. The seller advertised the items online as XXXX. I used Paypal for the protection that it gives the seller and the buyer. However paypal is now telling me that I must pay the return shipping on an item that was sent to me fraudulently to get a full refund.???? Why am I responsible for return shipping on an item that is clearly fradulent and not what I ordered????? Paypal refuses to budge on this issue, even tho i have made it very clear to them what they sent me is ILLEGAL!!! They dont care at all they are happy protecting the criminal seller and punishing me the customer for making a normal purchase. The only way to solve this issue is a full refund of my money! The only person they are protecting in this issue is the seller and themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNTS ON MY CREDIT DOES NOT BELONG TO ME SOMONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OBTAIN FRAUDULENT ACCOUNTS I HAVE DISPUTED THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I Received Notification That A Collection In The Amount Of {$50.00}, Was Added To My XXXX Credit File On XX/XX/XXXX By XXXX XXXX ... Reported Date XX/XX/XXXX By XXXX XXXX XXXX/Capio Partners LLC ... This Same Company Had Added This Same Collection {$50.00}, Using Just Capio Partners LLC As The Company In XX/XX/XXXX ... .This Was Disputed Online Directly Thru XXXX, At That Time And It Was Removed ... I Have And Am Working Hard To Maintain My Credit Worthiness And Companies Like XXXX XXXX XXXX/Capio Partners LLC is Placing Collections On Peoples Credit Profile Without Any Notification Is Just Plain Wrong ... Included Is Documents To Support My Statments ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, My complaint at this time Is against Citi cards  and getting a XXXX card. My application ID was XXXX. 
This is the second time I got a pre-approved application and got decline for getting a XXXX XXXX from Citi Cards. 

At this time, I feel the company is being racists since I have a last name of XXXX and they will not issue me a card at this time. 

Thanks so much for hearing me out 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 2018-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I did a ftc report fir identity theft and sent multiple dispute with debt proof its me all my credit on file is fraud i never git a chance to build credit no one is helping take i toff XXXX  experian and 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 non-monetary relief
Consumer complaint received 2018-07-30
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was sent several emails by your admission staff that outlining the classes in which I would be required to take in order to obtain my XXXX degree from XXXX. After several adjustments to regarding acceptance of my credits from other colleges, the school and I finally came to an agreement on my courses and I signed a promissory note to attend your school. After I signed the promissory note and started in my first class, I was informed by your staff representative, that XXXX was not going to honor our agreement of courses and that I would be required to take twice as many classes as I had agreed to take in order to obtain my degree. I immediately withdrew from my classes and informed your staff that I would not be attending XXXX for breach of contract and oral agreement and fraudulent misrepresentation. 

Again, I stress I have every email outlining these events. I demanded, at that time, not to be billed and that my student loans not be charged. XXXX has not only billed me for their Breach of Contract and Fraudulent Misrepresentation, but I now have student loan debt, and this has been reported on my credit report damaging and defaming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a denied letter from Bank of America Home Loans stating they my gross income was less then what I gave them as proof of gross income. I sent a letter requesting a re-evaluation and my bank manager tells me I have to submit a who new request due to change in circumstances when I already submitted the proof of income increase while they were in the collection of documents stage to verify income. I was requested to send in bank statements, letters and other documents to prove income but never told I had to submit a new RMA for the increased income. Now after the denial, the bank is stating it's my fault for not putting the increased income but the bank never processed the request sent in XXXX and the increasing income was approved in XXXX to begin in 2019. All of this paperwork was submitted to the bank before it went to underwriter and I had filed several other complaints stating they keep requesting documents from me that have been submitted and now they are saying they never had this information and I need to submit a new form and they will not re-evaluate my loan modification request because it's not a bank error when it is. My bank case manager for my loan never asked me to fill out a new RMA form for the increased income but asked for proof of the increased income so why would I not think they would be using it in the evaluation? The bank doesn't deal fairly with people when requesting information and how they process the information sent to them.

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 2019-03-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My complaint - - Bayview Loan Servicing supplied a loan modification to my ex husband with my name on it, yet never required my signature. 
- Bayview provided a cancellation of debt in XXXX in the amount of {$2200.00}. and never required my signature of acceptance. 
- Bayview never told me how to get my name off of the loan modification until it was too late - Bayview sent a XXXX in my name to my ex husbands address despite me providing my address/contact information and divorce decree to them in XXXX. 
- The property is not mine. the XXXX should have only been in my ex husbands name I was divorced in XXXX. My ex husband was awarded this house and since my name is also on the loan the divorce decree indicates i must be held harmless when it comes to this property. 
XX/XX/XXXX I found a loan with XXXX XXXX on my credit report. I immediately called them to find out why, and was told My ex husband received a loan modification from them. 
I explained the house was not mine and sent them a copy of my divorce decree. I asked how i could get my name off of this loan, and was told there was nothing i could do unless my ex husband refinanced in his name only, which he could not/would not do. 
I provided all of my contact information and asked that i be notified of any and all issues related to the loan. I never signed anything or agreed to a loan modification and Bayview told me my signature was not necessary. 
XX/XX/XXXX I received a letter from the IRS indicating i failed to report a cancellation of debt from Bayview received in XXXX. 
When i contacted Bayview i found that they removed all of my contact information at the request of my ex husband. They provided me with a XXXX that was mailed in my name to my ex husbands address in XXXX. 
Bayview refuses to send a correct XXXX despite having the divorce decree on file. They informed me they could not do this because i failed to file a release of liability with them, and will provide no explanation for why their staff never informed me of this on any of the numerous phone calls i made to them. 
The loan is paid off now so no one will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: Affirm Holdings, Inc
State: IA
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:
There are two adverse accounts on my XXXX  Credit Report from Affirm inc that do not belong to me and is a result of fraud. I wrote a letter to Affirm inc in XXXX of 2021 and as of the date of this writing I have not received a response. This writer has tried disputing with both creditor and credit bureau and it keeps coming back as verified. I filed a police report and and ID theft affidavit with the FTC all to no avail

Company response to consumer: Closed with explanation