BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian & XXXX XXXX is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that XXXX XXXX is reporting a collection on my credit from XXXX. According to the Fair Credit Reporting Act ( hereafter referred to as FCRA ) Section 609 ( a ) ( 1 ) ( A ), You are required by federal law to verify through the physical verification of the original signed consumer contract all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.

Therefore, I am demanding to see verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed I am absolutely certain that the item is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter

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 2020-07-13
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX- XXXX XXXX added an account for {$2100.00} to my credit profile that does not belong to me. This account was disputed and removed from my reports previously in XXXX. This item was re-added to my report on XX/XX/XXXX. I immediately disputed the item on XX/XX/XXXX and the credit bureau returned results on XX/XX/XXXX saying this information was verified. This is not my account. This account has been reported to XXXX, Equifax and XXXX. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 credit bureau is reporting an account with child support enforcement on my credit report. I have never owed child support and this was reported and confirmed to be fraud. I have disputed this item several times with the credit bureau.

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 2022-12-04
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX  Acct # XXXX, XXXXXXXX XXXX XXXX Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXXXXXX XXXX XXXX XXXX Acct # 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

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 2019-06-19
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I called about postponing payments on my student loans and the representative told me that I could enter into a temporary payment reduction until this was sorted out and reviewed. When I then called back for status I was told that I was not eligible due to already having been placed on a payment reduction. 

I now am confused and dont no which way to turn. I need help to postpone payments until end of 2019 due to financial hardship which Ive already explained to the company, Discover Student Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: WI
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
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:
I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-25
Company: CITIBANK, N.A.
State: VA
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:
Under the terms of my credit card, a minimum payment was due due on the XXXX of each month. I arranged for a payment on XXXX XX/XX/2020, satisfying this requirement. On XXXX XX/XX/2020, I made a second payment ( well above the minimum payment due ) to the account, as I was unsure of whether I would be able to make a payment on or about XXXX XXXX. Thus, I made an early payment for the bill due on XXXX XXXX. When I attempted to use my card on XXXX XX/XX/2020 for a purchase, I learned it was declined. Upon logging in to my account on XXXX XXXX, I learned that I was considered delinquent for not paying my bill on XXXX XXXX, and further a USD {$29.00} " late fee '' was assessed. I contacted Citibank Mastercard to dispute this fee. I spoke with an individual representative ( who sounded to be operating from an overseas call center in XXXX XXXX and explained this dispute. She attempted to resolve the issue, but then indicated that only her supervisor could resolve it. When I spoke to her supervisor, I indicated that this fee was not lawful and that I would be seeking remedies under U.S. Fair Credit Reporting and Consumer Protection Laws unless Citibank resolved the issue. At that point, the supervisor terminated the call.

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
Consumer complaint received 2023-06-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2023 my son alerted me concerning an email that he had just received from Wells Fargo Bank informing him that my application for a credit card had been approved with a credit line of {$15000.00}. I have not applied for any credit cards and I thought it was odd that the bank would send the message to my son 's email address, not mine. I have contacted Wells Fargo and they transferred my call to their fraud department. They closed the account and said they were going to start an investigation.

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 2021-10-14
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Diversified Consultants, Inc.
State: NY
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 never had a bill with this company and was not aware of this debt, this debt keeps on reappearing on my credit report and I was never notified by mail or phone or email correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-02
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recvd a phone call from XXXX on XX/XX/XXXX regarding my last complaint with med-1 solutions. She informed me that shell speak with the legal dept. to see if we can can get rid of the legal fee that med - 1 solutions were charging then give a call back within 1 day. I never recvd a phone call back until XX/XX/XXXX. I informed her that I can start to make a payment on XX/XX/XXXX. I also recorded the conversation. I made a payment through portal. On XX/XX/XXXX. When I made that payment of {$50.00}, my balance was XXXX - my issue with med -1 solution is the they send me two letters informing me of what debt is owed. On XX/XX/XXXX I recvd a letter saying that I owe XXXX. I recvd another letter on XX/XX/XXXX XXXX. Theyre constantly are changing the balance of what is owed and for me to pay back. I also made a payment on XX/XX/XXXX of {$200.00} which does not reflect on my total balance. I believe that they are giving my mis information and trying to charge more to me without any knowledge of why I am being charged. XXXX went to make a payment on med -1 solution website and the balance on my receipt sent to me on XX/XX/XXXX is XXXX again my balance is not the same nor does it says why theres a increase XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2018-09-16
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My issue is with my federal school loans being discharged through the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX handles all PSLF applications and have no other way to resolve my issue but through them. I have been eligible for PSLF since the beginning of XX/XX/XXXX. XXXX XXXX  contends that I still have more than 3 years left to pay on my federal loans to become eligible. Their basis for that conclusion is that I consolidated my previous federal loans into one in XX/XX/XXXX, making all previous payments ineligible. My first contention is that I was told several times by the previous loan servicer that the consolidation would have no effect on my PSLF and I was encouraged to consolidate.

My second contention is that ALL my school loans have always been federal loans ( Federal Stafford Unsubsidized/Subsidized, Direct Unsubsidized/Subsidized, Direct Consolidation Loans ). Per 34 CFR 685.219, I have met all the requirements allowing my school loans to be discharged through PSLF. Nowhere in that CFR does it state that consolidating previous eligible federal loans into one federal loan makes previous payments ineligible. This means XXXX XXXX and/or Department of Education ( DoE ) are arbitrarily foregoing what the original CFR states and denying PSLF applications. XXXX XXXX is refusing to acknowledge this error in their assessment of my PSLF application and change course so as to rectify the issue. I have no way to appeal to any other loan service provider and/or to someone who can recognize the multiple flaws that plague XXXX XXXX   assessment of PSLF applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/23 my {$180.00} monthly payment to my Capital One Quicksilver account, which was the full balance, was made prior to the cutoff hour of XXXX XXXX., but somehow the payment defaulted in the system to a previously Capital One closed checking account and the payment was returned on the same date. I was notified via email on XX/XX/23 @ approximately XXXX XXXX. I immediately made the full {$180.00} payment on XX/XX/23 and called customer service, explaining the issue and spoke with agent XXXX, who advised that the payment would still post as late, and I would have to wait until it posts to challenge any fees. The payment posted on XX/XX/23, and my account was charged a {$25.00} late fee, and {$9.00} in interest charges. I called customer service on XX/XX/23 and spoke with XXXX, who confirmed that he had the authority to waive the late fee and interest charges. On XX/XX/23 the {$9.00} interest charge showed as credited back to my account, but the {$25.00} late fee was not. I called on XX/XX/23 and spoke with XXXX, who said the {$25.00} late fee would show waived by XX/XX/23. On XX/XX/23 it was still not credited, so I called and spoke with XXXX XXXX ( or XXXX XXXX who said the late fee had not been waived, as it was ineligible for waiver, and she did not know why. On XX/XX/23 my next on time full balance payment of {$980.00} due on XX/XX/23 was posted. On XX/XX/23, my {$0.00} balance account was charged another interest of {$13.00} ; which they took out of my cash rewards. My call on XX/XX/23 to XXXX. XXXX XXXX, resulted in her saying she could not waive the charge, and that my account would continue to be charged interest for two more billing cycles of payments, even though there are no charges, and no balance due. This is the second time in the four years of having this account, that this default has occurred, last occurrence was in XXXX, but was corrected by the bank, but now they are refusing. This is an unacceptable, unscrupulous and seemingly illegal practice ; one that I have never before encountered in my excellent long and varied credit card experience. I am asking that the bank address this issue and be held responsible for its own error, and that my {$25.00} late fee, as well as the interest charge of {$13.00} on XX/XX/23 be credited to my account which is the only fair thing to do, as the payment posting late was not due to any fault of mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In review of my credit file, I noticed a collection debt in the amount of {$830.00}. I have attempted to contact the company through certified mail on XX/XX/20 in order for them to validate the debt but has not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
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:
EXPERIAN did not follow procedures to validate and verify the account from XXXX XXXX XXXX. EXPERIAN did not conduct proper investigation before or after disputing this account.

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 2023-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Capital one XXXX and XXXX card numbers ending.I ask for confirmation of debt on these XXXX cards. I got XXXX statements. When I called I asked for confirmation of debt. The physical wet signatures. I called and was told these accounts were verified. I asked for the name of the person, address, phone number and title. They could not tell me. I confirmed this company has incompetent employees XXXX XXXX. The fines will be {>= $1,000,000} for closing XXXX accounts without my permission {$20000.00} for not accepting XXXX negotiable instruments, total {>= $1,000,000} paid to XXXX XXXX authorized agent. I am not a XXXXXXXX XXXX XXXX XXXXXXXX  dictionary meaning incompetent XXXX. I am a XXXX XXXX XXXX I am willing to go for arbitration to see the book keeping entries entered in the book.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The day of XX/XX/XXXX of this year 2021, the XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX run my credit report without my authorize and I got a notified inquire on my credit report TransUnion. I already contacted TransUnion report and let them know of the inquired, they give me a file number 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 2020-04-14
Company: BANK OF THE WEST
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I started the process to file a claim for a fraudulent purchase with my bank, Bank of the West, on XX/XX/2020. The claim regarded concert tickets that I bought online, but I later realized the site was likely illegitimate. The total amount for the tickets were {$910.00}. Working with my bank, I turned in affidavit paperwork on XX/XX/2020 at my local branch. On XX/XX/2020, I received notice of the denial of my claim. Per my interpretation, I was denied because there is " documentation to prove the cardholder is in possession of and/or using the merchandise ''. The bank accepted several pieces of faulty evidence and/or inconclusive evidence to come to this decision. One piece of evidence implied that I had already attended the concert which has not occurred yet. In addition, I still have yet to receive any physical or electronic ticket. I had went to my local branch to appeal this decision based off of the false conclusions they came to. I had also called a customer service phone number that they provided to me. However, I have been repeatedly told that the claim can not be reopened, and they have failed to supply me with sufficient information regarding how I can appeal a decision that was not justly made or thoroughly investigated.

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 2019-08-09
Company: Experian Information Solutions Inc.
State: WI
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:
Experian is improperly and illegally reporting a paid medical debt. This is in violation with the HIPPA privacy act and the FCRA. 

There is no balance due to XXXX XXXX XXXX. It has been fully paid. 

XXXX XXXX was told to turn the debt back to the original creditor, the hospital but they ignored that request.

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