BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-15
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: Account status incorrect

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. As I reviewed my recent report, I have found a lot of erroneous information reporting on my Experian Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - 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 2019-06-11
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
DISCOVER XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX CREDIT CARD ACCOUNT WAS OPENED ON FRAUD, I HAVE ALREADY SENT DOCUMENTS TO CREDIT AGENCIES XXXX, XXXX AND XXXX, THEY HAVE CONFIRMED DISCOVER HAS RECEIVED THE DOCUMENTS AND CONCLUDED ACCOUNT IS CLOSED. YET I AM RECEIVING CALLS FROM DISCOVER ABOUT INVESTIGATION, PLEASE CLOSE THE FRAUD ACCOUNT THIS WAS OPENED BY MY ROOMMATE " XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Violation of PayPal 's policy on custom painted items. Unfair/no grounds for account limitation. The reason provided is excessive risk. 
Hi, my account got limited without any proof that the bags I am selling are not authentic. Also, PayPal granted a refund to the buyer for the custom painted bag while, according to PayPal 's policy, custom painted items can not be returned. I did speak with PayPal representative who confirmed that as well, but my account got limited the next day through the automatic reply. All of the bags I 'm selling are authentic XXXX XXXX bags that I legally and lawfully buy and own, then customize and sell. A customer who opened a claim against me has had the bag for XXXX months, then opened a case against me on PayPal that it is not authentic. XXXX has a policy that if the buyer claims the bag is n't authentic, they have to get a certified copy from the store that it 's not authentic. Instead of looking into this claim thoroughly, my account got limited. I have sold over 100 bags through XXXX, XXXX, XXXX, XXXX, XXXX, and my website. All of these platforms never had a problem with me selling allegedly counterfeit items as PayPal assumed and never limited my accounts. I am only selling authentic XXXX XXXX bags, and not only bags by this brand, but also by other brands. Please look into this issue instead of sending automatic replies. Thanks, XXXX Account ID : # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: Nelnet, Inc.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I need a mortgage verification letter and/or loan summary letter that indicates my student loan balance is waived and/or at a {$0.00} balance. I am not able to print one from the Nelnet website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: DISCOVER BANK
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I specifically spoke with someone in the Risk Management department who stated that my account would continue to be suspended as long as I had delinquent accounts on my credit bureau.
<P/>
Subsequently, I was induced into paying off all debts, and a copy of my credit bureau is attached reflecting this.
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I then spoke with a XXXX XXXX on numerous said they were waiting on the credit bureaus to update. I was transferred to Risk Management who said they specifically use XXXX and once XXXX updated the bureaus to reflect my delinquent accounts were paid, my account would be unsuspended.
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I had spoke with XXXX XXXX on at least five different occasions in which she asked that I send proof via e-mail to her that I had paid the delinquent accounts off, which is also attached.
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To date, my credit bureau reflects I owe two current accounts. 1 ) Discover who I have been making my regularly scheduled payments to on time and 2 ) XXXX XXXX XXXX which is also in good standing.
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Every time I call Discover I am not allowed to speak with anyone other than XXXX XXXX. In my last conversation with XXXX on XXXX XXXX, 2017, I was told the account was not going to be unsuspended at this time due to other criteria that Discover reviews.
<P/>
When I asked what that criteria was, or if the account would ever be suspended, or what I needed to do to establish a good credit history to have the account unsuspended. XXXX XXXX responded that specific information was for internal use only and he could not disclose that to me.
<P/>
I find it a complete abuse to induce someone to paying off specific debts with the promise of un-suspending their credit line without following through on that promise. I also find it an abuse of the Truth in Lending Act, the UCC, and Contracts Law as a whole for a creditor to effectively take adverse action and not disclose to the consumer what criteria they must meet in order to stop the adverse action.
<P/>
As XXXX XXXX is the Highest member of escalations an I have been told is Personal assistant to XXXX XXXX CEO of Discover Card I believe any response to this complaint would only be appropriate to come from Discovers legal counsel as I have obviously spoken with several members of the executive management team, all of which have made promises to which they have not followed through on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Didn't recieve enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested XXXX XXXX XXXX to provide verification according the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification with an original signed consumer contract to which they have repeatedly responded with nothing more than a statement that shows a balance of {$1600.00}. Not what they are required by law to use to legally verify a debt.They continue to be in violation of section 611 non-compliance and have caused severe damage by contuing to report to the 3 credit agencies.

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 2022-02-15
Company: Experian Information Solutions Inc.
State: MN
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:
The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXXXXXX XXXX Balance {$7.00} XXXX XXXX  XXXX Balance {$12.00} ND XXXX OF XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX Balance {$1200.00} Collection XXXX  XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX Balance {$43.00}

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 2018-01-29
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was removed do to failure to send me verification. This agency has now put this debt back on my credit report without sending me any notification or verifying documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Time Investment Company, Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please be advised that at this time XXXX and XXXX XXXX have retained a third party debt mitigation company to help us and see if a bankruptcy filing can be avoided. Accordingly, we hereby submit a cease and desist from all creditors, and suggest that all correspondence and/or debt settlements be submitted by email to the following email address : XXXX. 
We will negotiate each creditor on a one on one basis, and hope that all creditors either submit negotiated settlements directly, or through their third party debt collection agency or debt buyer. 
We submit the matter through the Consumer Financial Protection Bureau as a paper trail showing our due diligence in working ourselves out of debts without bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have around 4 different credits cards opened without my permission I didnt know about this until I applied for a apartment I check and file a dispute and they said the information its accurate when none of the information at those cards its actually my address or phone number Its a card from XXXX XXXX XXXX XXXX-opened in XX/XX/XXXX XXXX bank-opened in XX/XX/XXXX XXXX XXXX And I didnt authorize anything and this its affecting my credit because this person who did this never make a payment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, INC.
State: TN
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/2018 I called on a followup with the removal of several inquiries that are on my credit file that I did not authorize. They immediately told me that Inquiries are generally a matter of fact. Under the Fair Credit Reporting Act, a credit reporting agency must retain a record of companies who have accessed your credit report. I let the rep know that I did not authorize these inquiries and that under the FCRA all inquiries should be authorized. They did not remove these inquiries and informed me that will be there for a year or two and that " should not '' hurt my credit score. These inquiries are indeed harming my score and the fact that they are not factual inquiries is what is the most frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an XXXX Credit Card, it was delayed, wanted verification of whom I am asked me to call their REP. I did no questions were asked of me just left on hold for a while then call concluded. next I received a letter from XXXX XXXX Creditor their letter said regretfully I was denied Credit based on the information they received from various databases and their Customer Service Agents questions, I received no questions from their Customer Service Agent. The his is Discriminatory, XXXX and Illegal. 
I know whom I am my ID can be verified CA DMV with fingerprint, the Social Security Office XXXX XXXX, XXXX XXXX etc. I am sure my DNA is available to be checked. 
This is Discriminatory on the highest level.

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 2018-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is calling me non stop every day. Ive sent two siest and desists orders to them asking them to stop because I work 3rd and sleep in the day. Below are the number of calls this week. They have been calling me harassing me for months now. Even with two siest and desists notifications as well. 

XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX  ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX   XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX @ XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please Delete the following Incorrect Addresses and Employers listed below. 
XXXX - XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED TRANSUNION - XXXX XXXX XXXX XXXX XXXX TX XXXX - NEVER LIVED XXXX - XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX CURRENT XXXX - XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PREVIOUS XXXX - XXXX XXXX XXXXXXXX EMPLOYER UNKNOWN?

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 2022-02-15
Company: Avant Holding Company, 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:
I've been in XXXX Texas since XXXX, The address XXXX has of XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX I own but it is currently rented out to a husband and wife couple. The Avant/Webbank Card I never applied for and I have No need for credit since I am authorized to use my childrens credit cards. Please Delete the Fraudulent Account listed below. 

Account - - AVANT / WEBBANK Account Holder - - XXXX Account Type - - Revolving Account Condition - - Closed Date Opened - - XX/XX/XXXX High Balance - - {$330.00} Monthly Payment - - {$44.00} Account Balance - - {$230.00} Last Reported - - XX/XX/XXXX Amount Past Due - - {$0.00} Limit - - {$500.00} Remarks - - - Responsibility - - Individual Account Past Due - 30 Days - - XXXX Past Due - 60 Days - - XXXX Past Due - 90 Days - - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Resurgent dated XX/XX/XXXX about a debt that they said i owed. I sent them back a certified letter requesting validation of the debt. I then received a letter back from Resurgent along with a bill. Resurgent did not properly validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Sa-Vit Enterprises, Inc.
State: NJ
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:
This company has been sending me noticed that I have no knowledge I have no knowledge of this debt agreement with them. 
It is illegal to collect on an erroneous debt that I have no knowledge of. I didn't have contract agreement with them. I want them to stop harassing me with sending me erroneous debt letters. They have reported it to the credit bureaus and I don't know them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: AES/PHEAA
State: NC
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:
On two occasions, XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, my student loan provider, Fed Loan Servicing, has reported the two separate accounts that I had with them as 120 days late. I had a forbearance in both instances as I was in graduate school. 

I have disputed the account reported with my now-former loan service providers and the three major credit bureaus on multiple occasions to no avail. These attempts have been since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello.
I applied for a refi with XXXX XXXX, who sent me factors on my credit report.
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They were : 38. You have a serious delinquency and public record or collection filed and on your credit report.
I filed bankruptcy 5 years ago ; in XX/XX/2019 it will be dropped. THIS IS TRUE.
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18. Too many delinquent accounts. I HAVE NO DELINQUENT ACCOUNTS. My credit score is XXXX ( rated Good ) and show NO delinquient accounts. THEY WILL NOT FIX THIS.
<P/>
14. Length of account history is too short. MY ACCOUNT HISTORY IS FIVE YEARS OLD! THAT IS NOT SHORT. THEY WILL NOT FIX THIS.
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10. Balances are too high on your banking revolving or all credit history accounts. I HAVE ONLY TWO  CREDIT ACCOUNTS WITH VERY LOW BA : LANCES, IF NOT XXXX. THEY WILL NOT FIX THIS.

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 2017-11-16
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 been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to zero. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.

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 2022-02-15
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation