BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried to cancel the experian membership several times. Its long hold times I am told the wrong dept. no response to emails the chat lines are always closed now they are blocking me from seeing my credit report when I tried to cancel the membership prior to the 30 days trial. 

They should remove the block and cancel the {$24.00} membership It wont even allow me to contact them to cancel the membership

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 2022-12-22
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called my wifes phone, misled her that it was for a job. 

I called back and phone callers repeatedly did not identify the company they were calling for. Insisted that I confirm my ssn prior to properly identifying who they were and why they were calling. 

Multiple calls with a different person each time, until I spoke with XXXX who said they were with XXXX and that they were trying to collect on a debt. 

They said this was for a XXXX  account for {$100.00} and pressured me to pay prior to posting it to the credit bureaus. 

I asked for written documentation as I dispute the debit. They were asked to provide proof of debit ownership, proof of the original debit and who it was for ( company that it was used for ). This was requested to be delivered via mail. 

They then threatened to report it to credit bureaus. I said, I have only ever had one XXXX account, and I just got a refund from it exceeding this. I believe this debit is false and will continue to believe that until they provide documentation for the debit. 

The call was abruptly ended when I declined to pay the debit over the phone for the fourth time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is 100 % identity theft and this collection company does not care. The consumer reporting agencies have stopped putting this collection account on my credit file. Each time they remove it, Portfolio Recovery Associates put it back on my credit report. They are trying to collect a debt from XXXX XXXX that is not owed and they should not be reporting it to my credit file. I have a police report! 
This situation emerged since my personal data is cherished to thieves, and Portfolio Recovery associates are in the business of buying collection accounts that arent owed. They retaliated against me for filing a complaint with C.F.P.B. This retribution came at the behest of Portfolio Recovery Associates C.E.O. As  a Veteran who fought for this country, and a XXXX XXXX Family Member they are treating me like the scum of the Earth. 
Furthermore, I have collected social security benefits for the past twenty years. I can not afford a credit card from XXXX XXXX. In fact, my brother is the overseer of my finance. I only get {$710.00} per month. If XXXX XXXX approved a card in my name then they must be charged with fraud. Even if I owe it, I can not pay it, and they can not pursue civil actions against my social security benefits. 
Please help protect me against this horrendous collection parasite of a company. I had no other choice but hire Attorney XXXX XXXX for protection. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023 I tried to access my Chase online banking account, but when I logged in it said that there was fraudulent activity and I could not access the account and it said that I should call the bank. 

So then I called the bank and the told me that my account was slated for closure and they would not tell me why, or when they would close the account. They also said that there is nothing I can do And that I would not be able to access the online billing portal where I have not only the checking account that was closed but also my two credit cards. 

They said that I would not be able to access the funds until I received a check in the mail two weeks later. They also said that part of my agreement that I signed when I made the account what's the deck and close my account at any time without prior notice, or letting me know why. 

This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Navient Solutions, LLC.
State: IL
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:
From Sallie Mae, Navient to XXXX XXXX XXXX XXXX, from XXXX until I stopped paying in XXXX. Initial amount was confusing, as there appear to be 3 different amounts that all had the same account number. 

Have attempted at least 3 different times to file a dispute with credit reporting agency. Each time they say the amount in question is correct, according to company. This is NOT INVESTIGATING my claim that this student loan is currently being paid by my daughter, and thereby SHOULD NOT BE even on my credit report! 

The reason this was initially on my credit report was that I co-signed for my daughter 's loan. She initially defaulted, so I began making payments in I believe XXXX. After realizing she had begun making payments through another organization, I stopped paying and attempted, without success, to remove this loan from my credit report. 

Another issue involves the fact that each time this loan is closed and moved to another lender, thousands of dollars in fees are added to this initial amount. This will never be paid, as the entire scam should be illegal. I am sure that hundreds of thousands are in similar circumstances ; that consolidation loans do not properly outline what is going on when decent people attempt to begin to pay lawful obligations. This practice has to stop before people would be interested in paying what they honestly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Rent Recovery Solutions
State: PA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent Recovery Solutions LLC called me, my husband, and my mom multiple times saying I owed debt. I knew I did not owe any debt because we no longer rent and our apartment had already sent us our security deposit months before. I just ignored the calls knowing that it was fraud. Then, I received a notification from my bank that Rent Recovery Solutions LLC had filed claim that I owed {$140.00}, then closed the account. This tanked my credit score by over XXXX points. Online, all reviews and information confirms that this is a fraudulent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-06-23
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We, XXXX XXXX XXXX and XXXX XXXX, the home loan borrowers for their primary residence home at XXXX XXXX XXXX XXXX in XXXX, California would like to seek either a judgment or a verdict by jurys trial in California Federal or state court due to having suffered deep financial stresses and losses due to illegal actions caused for the past 5 years by our loan servicing companies, XXXX and Selene Finance. They employed illegal methods and actions to default our loan and process to foreclosure our house as well as held us in a loan dispute situation so we could not do any refinancing when the interest rates were low in XXXX, XXXX, and XXXX. Finally, after we had paid total of {$110000.00}, demanded by Selene Finance before XX/XX/XXXX, Selene Finance sent us an updated mortgage statement in XX/XX/XXXX and identified and approved all our 10 missing mortgage payments were all from either Shellpoint or Selene Finances refusing and returning our regular mortgage payments from us from XX/XX/XXXX through XX/XX/XXXX. Selene Finance used its lenders foreclosure threat to collect more than {$16000.00} extra in mortgage payments from us in XX/XX/XXXX and has refused to return the money as of present.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: Kikoff 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: Investigation took more than 30 days

Complaint:
you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
XXXX ) What is your authorization of law for your collection of information? 
XXXX ) What is your authorization of law for your collection of this alleged debt? 
XXXX ) Please evidence your authorization to do business or operate in the state of Florida. 
XXXX ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Diversified Consultants, Inc.
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:
I wrote a letter to this company to formally request a debt validation documents sent to me last XXXX XXXX, 2017. I have copies of the certified mail receipt so, they can not deny that there has not been any request made on that date. Up to now, I have n't received anything from this company which violates both FCRA and FDCPA. It has been more than 15 days since they got the verification/validation request and they did not even bother to respond. If this will still not be resolved, I am willing to get my legal counsel involved in legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: IN
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:
I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER 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 explanation
Consumer complaint received 2019-12-21
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Credence Resource Management has continued to call me during the weekend. They have called before before XXXX XXXX. During the weekend and weekdays. I have been verbally abused by the people who work there. I have repeatedly told them I am willing to set up and payment plan but I am waiting for an itemized bill from them. Which I asked for 2 weeks ago and it has never come. Someone from this company also told me I have till the XXXX of this month to pay it off in full because this person said that the they were able to take 60 % off my original bill. I told her that I was still in the hospital and that it will have to wait till after the XXXX. Which she then said that if I pay it after the XXXX that 60 % off my bill won't be on there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: GA
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:
Listed below is a list of inquiries and dates that are not mine and I did not authorize them. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX & XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I received my tri- merge annual credit report and see some hard inquiries that I do not recognize and authorize. 
On XX/XX/XXXX I contacted Equifax via certified mail about the inquiries. few weeks later they responded by saying it was factual record of file access. 

On XX/XX/XXXX, I sent out another certified letter explaining that I did not authorize or recognize these 2 inquiries from XXXX posted on XX/XX/XXXX and XXXX/XXXX posted on XX/XX/XXXX. 
They responded again by saying those inquiries are factual record and asked me to contact directly the creditors. 
Immediately, I contacted both XXXX and XXXX/XXXX on XXXX XX/XX/XXXX via separated certified mail through address provided by Equifax . 
The package was Return unable to forward. 
For the 3rd time I contacted Equifax letting them know the address for creditor the provided me, has came back unavailable. And I request them to verify their reporting and provide me name of individual that provided them with those inquiries. 
They came back with same respond that the inquiries are factual record and to contact the creditor. 
On XX/XX/XXXX I contacted Equifax for the 4th time asking them to provide me for the last time with people they contacted for their investigation and they fail again and again. They keep saying the over and over same thing unable to provide any proof. 
I am so tired to be pushed around by credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I need to change the type of my repayment plan I sent an email to the servicer with the request as directed by the website. Received an email back that I need to use the repayment tool and email them back stating the estimated amount of that payment and that I agree to that amount and terms. I did that and have not had a response since. I've been continuing to email probably 10+ requests with no answer. Repayments are about to start and my plan has not been changed. I tried to call but there is always a 4hr wait period for customer service. I have asked to be put on an extended fixed repayment plan with estimate if {$160.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been violated by XXXX on XX/XX/2021. I am a victim of identity theft and had an lawful inquiry reported on my credit. Experian, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. To assume means to take for granted without proof as the basis of argument. It is unlawful for any creditor to discriminate against any applicant who in good faith exercises their right under XXXX5 U.S. Code 1691. I have been brutally abused and deceived. Listed below are the laws that protect me as a natural person and consumer from the abusive practices exercised by consumer reporting agencies. 
15 U.S. Code 1640 15 U.S. Code 1681 15 U.S. Code 1681n 15 U.S. Code 1691 15 U.S. Code 1692c Please remove this inquiry from 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 non-monetary relief
Consumer complaint received 2019-03-29
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: Information belongs to someone else

Complaint:
I have many fraudulent accounts on y reports. I have old accounts thats passed the 7 years thats not mines. I need these to removed. I contacted the companies they stated contact the credit bureaus. Its affecting my life for my wife and children

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 2023-09-12
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
All this information on my credit report is inaccurate I did a dispute with the bbb better business bureau and they deleted ALL MY COLLECTION ON XXXX, XXXX and Equifax this report showing its still there PLEASE DELETE THIS INACCURATE information THANK YOU

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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:
On XX/XX/2022 @ approximately XXXX I received a credit alert stating I had a XXXX XXXX on my Experian credit report, dated XX/XX/2022. The alert stated the inquiry was initiated by XXXX XXXX XXXX. I contacted the fraud department at Experian and advised them of the situation. They said that they would remove the inquiry and put a fraud alert on my account as well as the ones with XXXX and XXXX. They recommended I contact the Federal Trade Commission to report the incident, as it might be an identity theft situation. 

I then contacted XXXX fraud department and reported the incident to them. They advised that it had been an on-line application which had been declined. They said they would cancel the application totally and notify the credit bureaus to remove the inquiry.

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 2022-11-11
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:
In America through its constitution, laws and understanding of knowledge. We all have an equal chance to better ourselves through action. With that said, in accordance with the Fair Credit Reporting act, the List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights, it isn't fair to publicize someone's information unwillingly as they are learning and growing in a society that continues to bumbard us with countless hidden fees and many of contracts with unconscious terms in fine print. 
XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX Acct # XXXX XXXX  Acct # XXXX 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 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