BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-21
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:
XXXX XXXXXXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED  AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE XXXX - XXXX RANGE. 

EXPERIAN CONTINUES TO REPORT THIS INACCURATE INFORMATION EVEN AFTER I MAILED TO THEM COPIES OF THE USPS POSTAL INSPECTION SERVICE CRIMINIAL INVESTIGATIONS DIVISION REPORT AND COPIES OF COURT ORDER SHOWING THE APPOINTMENT OF A FINANCIAL CONSERVATOR ABSOLVING ME OF FURTHER RESPONSIBILITY AND DUTIES AND ABILITY TO HANDLE MY OWN FINANCIAL MATTERS SINCE THE CONSERVATOR RE-DIRECTED ALL MY MAIL TO HIS OWN OFFICE AND ENGAGED IN MISMANAGEMENT OF MY ACCOUNTS AND FINANCIAL DISHONESTY BY BILLING FOR HIS OWN ACCOUNTS FIRST AND TELLING THE COURT HE HAS BEEN PAYING MY ACCOUNTS AND CHARGING ME FOR DOING SO.

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 2017-06-29
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:
I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX : Unverified account XXXX XXXX XXXX XXXX - XXXX : Unverified account XXXX  XXXX : I have never paid late XXXX XXXX XXXX : I have never paid late XXXX XXXX : I have never paid late XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : I have never paid late

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 2018-10-30
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Selene Finance has given my realtor and myself the go around in order to get a letter stating what is owed on the mortgage. We have had to reschedule our closing on this home twice now. I have called the company every day for the last week, multiple times in a day to get the letter either emailed or faxed to me with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: State Collection Service, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted via text message regarding a debt that was owed. I went to download the file linked in the text message and was unable to put in the password to open the document. 

I know for a fact that I do not owe any debts that would be in collections. I have since deleted the file off of my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
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:
XXXX XXXX OF XXXXXXXX XXXX XXXX XXXX, WI XXXX HAS PLACED A NEGATIVE COLLECTIONS ON MY CREDIT REPORT EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX  XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY EXPERIAN CREDIT REPORT IS : XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. 

EXPERIAN IS STILL REPORTING THIS INACCURATE INFORMATION AFTER I SENT THEM THE USPS POSTAL INSPECTION SERVICE REPORT FROM THE CRIMINAL INVESTIGATIVE DIVISION SIGNED BY XXXX XXXX, MANAGER AND COURT DOCUMENTS SHOWING THE ORDER OF A FINANCIAL CONSERVATOR AND REPLACING ME ON ALL FINANCIAL DECISIONS AND MY LOSS OF CONTROL OVER MY FINANCIAL ACCOUNTS.

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 2020-06-10
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I attempted to purchase nail polish from XXXX XXXX XXXX and I paid XXXX on XX/XX/XXXX. When I hadn't received my purchase, my first email went to Pay Pal, dated XX/XX/XXXX. PayPal responded on XX/XX/XXXX to say that I should still wait for the product but I could escalate the issue with them by XX/XX/XXXX. On XX/XX/XXXX, still not receiving the product I emailed PayPal again to receive assistance with the matter and they again mentioned the escalation that had to occur by XX/XX/XXXX. On XX/XX/XXXX, I again contacted PayPal and asked what else do I need to do to escalate the issue since after 3 emails, all I was getting was the standard email regarding escalation. I stayed on the site there and emailed on another part of the site asking for " escalation '' process or link and noting my previous emails. On XX/XX/XXXX, PayPal emailed me to say that my case was closed and could not be reopened since I did not escalate the matter. Angry that day, I again emailed and left my phone number for some resolution and to this day, have not received any assistance or response and have not received my product. 

I'm writing to you for assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
After reviewing my credit report ongoing .. There's a collection Agency.. WF/XXXX.. A Balance of {$1300.00} ... Opening date XXXX XXXX. That's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it's showing as if the collection is new.. And it's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And all have done so except XXXX  ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it's Fraudualant..

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 2023-05-14
Company: EQUIFAX, INC.
State: CT
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:
Equifax has reported me as " dead '' and took away my score. 

I am very much alive, not sure how or why I was reported other wise

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: CAVALRY INVESTMENTS, LLC
State: TX
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:
I have never done business with Cavalry Portfolio Services. I do it have a signed contract nor any contract with Cavalry Portifolio Services. I have the right to demand to request and obtain a validation of debt from Cavalry Portofolio Services since they are reporting a trade line on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: CITIBANK, N.A.
State: RI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hello, I have a 2nd mortgage ( Home Equity loan ) with CitiMortgage, Inc.. Back in XX/XX/2013 I went through a bankruptcy which was discharged in XX/XX/2013. Since that time I was receiving monthly mortgage statement from CitiMortgage, Inc. However, for the past 3 months I did not receive any. Also, I did not receive any notifications stating that CitiMortgage, Inc. will stop sending me the monthly mortgage statements and the reason for it.

This week I called Customer Service Department and was told that because of the bankruptcy CitiMortgage is not required to provide me with a monthly statement. Is this correct? How can I find out otherwise what is the outstanding balance?

Is there a law/regulation that would make CitiMortgage provide me with a monthly statement? 

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 explanation
Consumer complaint received 2023-05-14
Company: WELLS FARGO & COMPANY
State: PA
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:
Be advised that on [ Dates listed below ], My consumer report was obtained without my authorization or permissible purpose under the FCRA. 15 U.S. Code 1681b. 


[ XX/XX/2021, XXXX XXXX  XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] [ XX/XX/2021, XXXX ] Promptly delete the unauthorized inquiries.

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 2023-03-29
Company: Global Lending Services LLC
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
To whom it may concern : In response to the previous complaint, on XX/XX/2022, I sat there and heard the guy at XXXX XXXX ( XXXX ) and ask how much was owed on the vehicle, and XXXX paid the entire balance they were told I owed. I can't understand how a reversed payment would take XXXX days to show up on your end, which I don't see anywhere on my bank statements where it says anything about a payment reversal. So I will not be paying this again, but what I will be doing is I will be filing a complaint with the XXXX, FTC, and smart claims court, and if I don't get the resolution that I'm seeking, I will be going to the attorney general office. 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, 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:
In XX/XX/XXXX I tried to rent a house in XXXX XXXX. I have never had issues renting until now. On my credit report there was a car that was charged off in approximately XX/XX/XXXX saying that I now owe over {$10000.00} on. When I reached out to XXXX XXXX XXXX I was told that they have record of me co-signing for a vehicle with my ex wife. I explained to them that it wasn't possible because I was living in XXXX at the time of the purchase which was made in XXXX ( XX/XX/XXXX ). I was then told they would look into it. I was able to rent the house so I thought that the issue had gone away. I checked all 3 credit agencies and saw no derogatory remarks on them. 9 months later I am now trying to buy a house and this same issue came back up. I explained again the situation to XXXX and was then told that in their notes they were supposed to call me back 2 weeks after our initial call but someone never did. I have spent a week sending them documents showing I was not living in the area at the time and my ex wife and I were separated ( our divorce finalized in XX/XX/XXXX ). I am in the United States XXXX so I can not just up and leave whenever I please. I have even filed a report with the FTC Identify theft site and sent them a copy of the report. I have to request leave in order to go out of the state which I never did. With everything I have given them they are now investigating my case 9 months after I originally called. I need this removed from my credit immediately. I recently lost a house I wanted to buy because my loan officer will not push through until this is cleared up. Thank you for any help you can provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-28
Company: Service Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not mine, but under my sister who has same first name and last name but different middle name and different birthday from me. 

The debt collector reported the debt under my XXXX  account. 

Multiple phone calls to provide correct information, and the debt collector confirmed that the debt is not mine. In addition the debt was paid by my sister. However, it still kept the debt under my account. I filed 2 dispute through XXXX and the company both times respond to keep the same record on my account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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:
Hello This is a formal complaint that inaccurate credit information is being reported. I am very distressed that the information in my credit profile is damaging my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a loan which was highly embarrassing and has negatively impacted my lifestyle. optional In accordance with 15 U.S. Code 1681b, 15 U.S. Code 1681c, and 15 U.S. Code 1681c2 along with the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP. The following information, therefore, needs to be verified and deleted from the report as soon as possible : Portfolio Recovery Associates {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Innovis
State: AR
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:
XXXX, XXXX, INNOVIS FAILED TO REMOVE THIS ACCOUNT AFTER A 47 DAY DISPUTE AND XXXX XXXX XXXX WAS SUPPOSED TO REMOVE FROM BUEAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is reporting an account on my credit report with incomplete information. I had to contact the bureaus to find out who was reporting it since there was no creditor name or payment details. I then contacted American Accounts Advisors to have the validate this account and they have yet to respond. By law they're supposed to update the account as " disputed by consumer '' on my credit report which they have not done either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020, I was charged a {$2.00} transfer fee for transferring the balance to my regular checking account. I had never been charged this fee before and the terms of use do not show this as a fee. It has always been free to transfer funds. 

I called customer service and waited over an hour on hold. The customer representative said she'd request a refund of the fee. I never received it. 

I feel this company fraudulently charges this fee and refuses to provide a refund. They also make it more difficult to access funds by charging fees and withholding transfers for several business days. There is not an expedited way to access funds without a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have contacted XXXX on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " Borrower Defense to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

XXXX has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.

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 2023-04-04
Company: Experian Information Solutions Inc.
State: NJ
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:
I've been trying to fix my credit, the three credit reporting companies have been showing me a higher score then what its been sending to people that inquire. as of right now XX/XX/2023 my experian shows XXXX and when I tried to refinance my auto loan through XXXX XXXX  on XX/XX/2023 they pulled a XXXX from XXXX, but used an experian pull for my when my wife tried to do the same. 
I have been paying 30 % interest on an auto loan for about two years and can't get a better rate because of all the inconsistencies with the reporting bureau 's and the choice to use on instead of the other is causing me to pay an outrageous fee to own a vehicle.

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 2020-11-27
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:
Close XXXX XXXX  Account Name XXXX Account Number Credit Card Account Type Authorized user Responsibility XXXX XXXX Account XXXX XX/XX/XXXX Date Opened Open/Never late. 
Status Updated XX/XX/XXXX $ 246 Monthly Payment {$8500.00} Credit Limit {$8900.00} {$8900.00} Balance Updated XX/XX/XXXX {$8400.00} This account is not mine, XXXX  removed this account, but XXXX  and Equifax still have this account under my name I attached dispute information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21
Company: ALLY FINANCIAL 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: Investigation took more than 30 days

Complaint:
XXXX, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers

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 2018-07-21
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers

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