BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-05
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: Public record information inaccurate

Complaint:
spoke with XXXX on XX/XX/XXXX in regards to removing the public record items from my credit report. Question three representatives whether or not my name, address, social security number or birth date was included. The first agent stated no, but refused to remove the information. The second agent refused as well. Placed on hold for a third agent/supervisor who never picked up the line. Items Tax Leins appear on XXXX  and XXXX | Bankruptcy appears with all three agencies Tax Lein Date Filed - XX/XX/XXXX - {$4700.00} Court File - XXXX | Case - XXXX and XXXX Date Filed - XX/XX/XXXX - {$1300.00} Court File - XXXX | Case - XXXX and XXXX Bankruptcy Date Filed - XX/XX/XXXX Court File - XXXX or 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 2020-11-22
Company: KEYCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I received my benefits and was able to make purchases for about three days then they locked my card due to suspected fraudulent charges. I cleared that up with key bank, the card provider. My card was still locked after clearing it with them. I called them again and they told me to contact washington unemployment to unlock the card. I contacted them multiple times and they haven't responded or unlocked my card. If I have cleared it with the bank then why do they still have a lock on it and why do they get to lock my card in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Credit Karma, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have gone to XXXX, used credit karma, XXXX, called my bank where I got my credit card, and everywhere they have sent me to no avail. I can not seem to be able to get a report since every time they say I use incorrect information, even though it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2019-03-07
Company: EQUIFAX, 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:
Equifax and XXXX are reporting me as 60 days past due on the XXXX partial account number XXXX that has a {$0.00} balance and {$0.00} past due. This inaccurate reporting is harming my score. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: DISCOVER BANK
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:
XXXX Discover card listed above is reflecting the wrong balance owed. Discover has agreed to take payments over 36 months and advised they would post payments and demonstrate the balance is lower. They advised that this would be corrected but does not show a lower balance and payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX there was a hard credit report documented under my name. To my knowledge, I have not authorized any hard credit report to be pulled under my name since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
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 status incorrect

Complaint:
Social security administration reporting on XXXX and experian reports payment history is inaccurate. Currently Garnishment twice a month as well as voluntary payments being made.

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 2023-03-15
Company: EQUIFAX, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: SLM CORPORATION
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae knowingly approved my student loans ( now totaling more than {$210000.00} ) between XXXX and XXXX for a school and degree that would not warrant that amount. I was too young at the time and had parents that were uninformed of the financial risks associated with these loans and interest rates. Instead of pointing me to other forms of education assistance, they simply approved enormous loans to a young, first-generation student. 

Today, those loans are in deferment because I needed to drop out of that school ( XXXX XXXX  ) for lack of funding. Now, those loans are a huge determent to any financial moves I can make alongside my wife ; I understand I knowingly agreed to those terms as an XXXX. old, but they must understand that I was too young to accept to $ XXXX, $ XXXX amount loans! 

Now these loans are still separate, totaling around {$210000.00}, which means they will charge me monthly payments for each individual loan ( XXXX loans of about $ XXXX to {$60.00} each! ). These amounts, even after I finish my degree and with a working spouse, will never allow any type of financial freedom. Refinancing with other institutions has been impossible as each I've reached out will not touch such large loans. 

In summary, Sallie Mae approved lucrative loan amounts, and then didn't even allow me to finish the degree for lack of funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a checking account with chase bank and my funds cleared and I tried to XXXX  money and it froze my account up and they will not release my money to me it's around XXXX XXXX dollars please have them send me my money it's been almost a year now this is not right what chase has done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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:
XXXX XXXXN & EQUIFAX has been reporting fraudulent accounts on my credit report Ive sent all 3 bureaus a demand and comply letter pursuant to 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 

Now this federal law states Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Ive attached a copy my drivers licenses My FTC report And a detailed letter stating those accounts are fraudulent and are not connected to me in no way shape or form and was not authorized by me. So as stated above XXXX  had 4 days to remove those items from my credit report. All XXXX bureaus have received my letter through certified mail on XX/XX/2021 or before that date and these accounts are still showing up on my credit report. I want them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I took out a loan years ago, and I did not pay it off. I was unaware of this outstanding debt until recently. Today I received an email saying legal action was being taken if it was not paid TODAY XX/XX/2020. I have responded to the email numerous times and called the number listed in the email but can not reach anyone. I did a XXXX search and found that loans through Ace/XXXX  have been subject to fraudulent scams like this, so I did not want to move forward with resolving the issue until I know it is legit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Midwest Recovery Systems
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last month XX/XX/XXXX I noticed that Midwest Recovery Systems, LLC had placed on my XXXX  and XXXX credit report that they were collecting a debt of XXXX the last date of delinquency ( according to the info on my report ) was in 2012. The problem is ... I never took out a loan with the company that they are stating is the original creditor. This company has never sent any letters to my address alerting me to this debt or that they were attempting to collect a debt and when I contacted the Credit Agencies to dispute the debts, they both came back verified as mine by the Collection Agency and remain on my reports as valid. I contacted the Collection Agency - Midwest - and asked them for documented proof of the debts and they simply ignored my request and never followed up with me. SO I looked online to find out about this company and see that they have thousands of complaints against them in regards to putting false information on credit reports and other consumers having to file suits against them to get them removed. This company is being allowed to list on consumers credit reports without any documentation that they are actually owed debts and it 's ruining credit. Apparently all they needed to provide to the Credit Reporting Agency to " prove '' the debt was mine is my name, address, date of birth and last 4 ss I plan to take them to small claims court very soon because they will not remove or prove this debt but wanted to alert you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Experian Information Solutions Inc.
State: FL
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 asked the credit bureaus to show me how they have validated the negative accounts on my credit report. i have sent them 2 separate letters asking them show proof that the negative accounts belong to me and to show me how they were validated. they have failed to produce any documentation providing any proof or how it was validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: KEYCORP
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Went thru a remodication process with XXXX XXXX XXXX. Have been paying the agreed upon amount for years!! $ XXXX- which I was told was combined 1st and heloc. Initially in 2006 1st mtg was {$1200.00} and heloc was {$150.00} a month XXXX XXXX sold to key bank and none of the agreed paperwork is on record and they have started foreclosing. I 've called and mailed 6 letters asking and showing my issues. To no avail. Even attempted using a housing counselor. She ca n't get thru either. Now I 've been making the full payment and they are sending me {$400.00} back monthly for overpayment. But not halting the foreclosure. This is my home. My parents have now been served by sheriff too. Please help

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 2020-12-03
Company: CITIBANK, N.A.
State: GA
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:
In or around XXXX of 2020, I disputed a charge in the amount of {$200.00} from XXXX  XXXX XXXX XXXX  with Citi as a result of the merchant refusing to accept the return of a product that they sold to me incorrectly. Apparently, the representative that I spoke with did not initiate the dispute ( which I believe was a direct result of a language barrier ) and I had to refile the dispute which was out of the dispute timeframe. As a result, Citi did not conduct the dispute accordingly.

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 2020-05-28
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED IN THIS COMPLAINT ARE FRAUDULENT SOMEONE USED MY IDENTITY MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THEY USED IT TO OPEN AND MAKE FRAUDULENT PURCHASES IN MY NAME I HAVE REPORTED THIS TO LOCAL AND FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian XXXX On XX/XX/2020, I mailed XXXX XXXX and Experian 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 2020-12-03
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt collection agency has taken on abusive practices. I previously complained about a XXXX debt by way of XXXX XXXX in XXXX of 2020. The Harrassment stopped and I later received a derogatory mark on behalf of XXXX from Enhanced Recovery Company one month later. In an effort to quickly resolve the issue I offered to pay for removal. I paid the random {$63.00} debt for XXXX and the reporting persists with a XXXX  balance. Not only that a new XXXX debt has appeared today for over triple the amount of the first debt. I am writing so that this dangerous recycling and reporting of old paid debts or unknown accounts cease. I had one comcast years ago and have not had any new unpaid debts nor unreturned equipment. These phone calls have been recorded. 

My credit report shows two derogatory marks from Enhanced Recovery Company in starkly different amounts. I believe there have been federal violations and innacurate reporting which have been detrimental to my fair credit rating. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After 167 days since application to refinance our existing mortgage with Wells Fargo, we received a form letter on XX/XX/XXXX stating they were declining or application because the no longer offer the program for which we applied. Up until now, we've had our closing date communicated to us numerous times - always sliding backwards without any explanation. The last we were told, we would be closing on XX/XX/XXXX. No one called prior to us receiving the letter. I had to reach out to them for an answer. 

I talked with someone who I had previously spoken with in the Customer Care Group who said that they could no long accept the type of appraisal they ordered - one that would have been acceptable had the loan been handled in a timely manner. Aside from that, she indicated should would not be able to give me any more information until she had time to review the file and that she would be back to me by XX/XX/XXXX. 

This process has already cost us several hundred dollars. They have been stringing this process along to a point that now we have to start over again because Wells Fargo has an employee performance problem and they lack the necessary internal controls to alert their management to problems in processing credit applications in a timely manner. 

This has had an adverse financial affect on us and Wells Fargo is not willing to assist us unless we reapply and start the entire process over again. 

Regarding my previous CFPB complaint, I received one phone call assuring me they would look into the matter and then 2 voice mails saying they were still working on it. I called my contact twice last week but she never returned my call. I called her again this morning after receiving the letter. She has not returned my call. 


Previously reported : We applied with Wells Fargo to refinance our exiting mortgage with them on XX/XX/XXXX. All of the required documentation has been submitted. Since application, our appraisal and credit report have expired. In addition, our rate lock has expired. Wells has offered little to no explanation as to the delay. Our loan officer escalated our complaint but we still are receiving very little information. we would expect the loan to take 45-60 days to close in our situation - existing customer, financing 1/2 of the property value with no cash out, excellent credit. Since the loan has taken longer, we've paid Wells Fargo an additional $ XXXX/month in interest ( income to them ). It seems they are not inclined to get this loan closed in any reasonable amount of time. I also expressed my displeasure of them having to pull another credit report since that will affect our credit score. They seemed unconcerned.

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 monetary relief