BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-16
Company: Experian Information Solutions Inc.
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:
Hi, Recently I submitted identity theft investigations to all three credit reporting agencies XXXX, Experian, and XXXX. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, 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 explanation
Consumer complaint received 2020-02-09
Company: U.S. BANCORP
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:
XX/XX/2016 Fraudulent account established {$500.00} 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 2021-11-10
Company: Bread Financial Holdings, 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 have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On X/XX/2017 it was time for my first re-certification of the XXXX plan I had been granted XXXX months earlier under FedLoan. I submitted a completed application along with a comprehensive statement of income and proof of income sources, XXXX per source, current within XXXX days. 

On XXXX, I was informed that my XXXX re-certification was rejected. The reason cited for the rejection was that I had not supplied adequate documentation for my spouse 's income. I informed customer service that my spouse 's source of income was from investments XXXX checking account with interest ). The first round of talking with customer service resulted in " There 's nothing we can do for you. '' The second round resulted in an escalation for another review. 

On XXXX, I called back to see how this second review had progressed. Customer service again informed me that it had been rejected, again citing the lack of proper documentation for employer based income when I had indicated that my spouse had taxable income. Representatives from FedLoans even went so far as to tell me that I should n't have reported the interest income as taxable income. That I should have just left the interest income off ... Say what? Seriously, asking me to certify a false document? XXXX ( sorry, but they really go me worked up XXXX, the law is the law. Taxable income is taxable income. 

I ca n't explain it any other way, but I think because I had checked the box indicating my spouse had taxable income, they thought it could have only come from employer income despite it clearly stating in Section 5 that Taxable Income includes " dividend income, investment income ''. They were looking for a pay stub, when I did n't have one to give them. She does n't have a job. The taxable income did n't come from a job! 

As of today, X/XX/2017, FedLoans now says they 're going to process for the next billing cycle, and I hope that after XXXX months of this drama, they finally have their heads on straight. I 'm not surprised to find that the XXXX in Massachusetts is suing FedLoans. They 're very difficult to work with at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hello, I am filing a complain against Moneygram money transfer services. I have used Moneygram in the past using a live agent to transfer money, and never had any issue. On XX/XX/XXXX I tried sending money using Moneygram online service but the transaction was declined. I had called the customer service for help, and they asked to try again, and again it was declined. On XX/XX/XXXX, I decided to go to an agent to send the money, but could n't do so - the transaction was declined there as well. I then called the Moneygram customer service, and they told me that I can no longer use Moneygram to send money, and I should use other service - they did not provide me with any reasoning on why I can not use Moneygram service. And the customer service representative was extremely rude on the phone and not willing to answer any of my questions.
On XX/XX/XXXX, I checked my bank statement, and noticed that {$2500.00} was deducted from my checking account by Moneygram. I called Moneygram right away to find out why the money was taken out of my account, first, they denied it. I then sent them with a screenshot of my bank statement as a proof that money was taken out of my account. They would n't talk to me on the phone. They are extremely rude over emails. They take money out of my account without my knowledge - this is unacceptable! Also, when I call the customer service to find out when I can get my money back into my account, they said within 72 hours. But, when I emailed XXXX XXXX, they told me it could take 10-12 days to get my refund. I am hearing two different things from the same company. And the customer service and support teams are extremely rude over emails and phone.
At this point, I will no longer be using Moneygram for transferring money, but I need my money back into my account. I am getting very frustrated dealing with Moneygram. I have been emailing them since XX/XX/XXXX and they are not responding well to any of my inquiries. I have never experienced this before. I work for a XXXX XXXX XXXX XXXXy, and I know how important it is to hold your reputation and your consumers trust. I am really disappointed to say that Moneygram does n't hold any of these values. They do n't respect their customer and do n't care to provide them with a valid reasoning as to why someone can not use their service. I still do n't know why I can no longer use Moneygram service I need your help to get my money back from Moneygram. {$2500.00} is a lot of money and I need this money back into my account as soon as possible.
Please help.
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: PNC Bank N.A.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/21 we initiated a home loan refinance with our current mortgage company, PNC. We chose PNC thinking that the process would be simpler and our loan officer estimated a 2-3 month timeframe to close. We did not close until XX/XX/21. Our refinance was for $ XXXX and we had $ XXXX in our bank accounts. My husband and I have been employed in our respective positions for over 10 years each with excellent credit ratings and income over $ XXXX per year. We provided PNC with copies of our bank statements and paystubs at least 5 times over the course of this process. We found the staff at PNC to be unprofessional and unresponsive. We are unsure whether the delay in our loan was due to PNC 's incompetence or due to PNC 's financial incentive to continue our mortgage at the higher rate. Our loan is finally now secured but we feel it is important to register this complaint for the good of other prospective mortgagees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Experian Information Solutions 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:
On XX/XX/20 I sent Experian a letter to re investigate XXXX/XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX Auto # XXXX It is almost 30 days and havent received a response from Experian

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 2022-03-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & EQUIFAX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EQUIFAX with an FTC fraudulent report to support my position. It seems EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of XXXX  & XXXX XXXX. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient encouraged me to put my loans into forbearance during residency which continued into fellowship. I was not given information regarding income based repayment options which would have been a better option. I felt very misled and have increased repayment amounts due to this ( which was a total of 6 years ). They took advantage of me and did not give me all the information I needed to make educated decisions, decisions within my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: NM
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:
Hi, Recently I submitted identity theft investigations to all three credit reporting agencies Equifax, XXXX, and XXXX. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: Capital Accounts, LLC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts attempted to collect a debt. I did not owe the debt and asked for more information. I received a letter from them on XX/XX/18 confirming that the account was cancelled and has been removed from three national credit bureaus. I received another call about the same debt on XX/XX/18 and told them the account has been cancelled. I faxed over the letter that they sent me stating that the account was cancelled. I asked for a response in writing, which I did not receive. They called again today trying to collect the debt.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
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:
I'm writing because of two accounts : name : XXXX/XXXX account number:XXXX date opened : XX/XX/XXXX Original creditor put that i was late in XX/XX/XXXX, but i always pay my bills on time, i was calling to original creditor, they accepted my dispute, but i see that late payment still showing there, i'm very stressed about this situation, because as you can see, i pay on time during 7 years. 


Second account is : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX During Covid-19 banks didn't work in proper way. I got problem with XXXX because they did mistakes with my payment. Affected by Natural or Declared Disaster ( e.g. COVID-19 ). 
I called to XXXX, they were agree with my dispute, but agent asked me to sent letters to all bureaus, i sent letters, but i see, that late payment, which were made in XX/XX/XXXX, still on 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 explanation
Consumer complaint received 2021-11-10
Company: ALLY FINANCIAL INC.
State: NC
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:
Ally Financial has misrepresented me on a loan for a vehicle that was never purchased because of demands made to falsify vehicle residency on the title. Ally has inquired into my credit several times. Increasing the number of hard inquiries and decreasing my score.

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 2021-07-18
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I filed a complaint with CFPB against Midland Credit Management on XX/XX/XXXX. Even though they responded through CFPB on XX/XX/XXXX with an explanatory letter and copies of statements, they failed to include copies of documents they claim to have mailed to me on XX/XX/XXXX ( " validation letter '' ) and XX/XX/XXXX ( " dispute response letter and a copy of the verification information provided by the seller '' ). Had they actually mailed the missing documents, they would have provided copies as proof. 

I have not received mail from Midland Credit Management on or about those dates or any other date. 

In violation of the FDCPA, the debt collector added information to my credit reports without mailing me anything. 

And, Midland Credit Management failed to address the XX/XX/XXXX unsolicited email ( attached ) from XXXX, falsely stating, " Although this communication is from a debt collector, this is not an attempt to collect a debt. '' ( bold in original ) If it's not an attempt to collect a debt, then what is it? The email continues, " Need assistance? Were here to help. Call ( XXXX XXXX XXXX between the hours of : XXXXXXXX XXXX XXXX XXXX XXXX. PT. Sunday - Thursday, and XXXXXXXX XXXX XXXX XXXX XXXX PT. Friday - Saturday '' Clearly, the communication is an attempt to collect an alleged debt even though it claims it is not an attempt to collect a debt, which violates the FDCPA, right?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
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:
On multiple occassions consumer have initiated disputes with EQUIFAX to delete inaccurate, unauthorized and unverified accounts and inquiries on my consumer report. EQUIFAX is failing to provide the extensive investigate report EQUIFAX conducted to delete the requested information. EQUIFAX is also failing to delete the information due to the inaccuracy, which is a clear violation of the FCRA. Consumer demanded that EQUIFAX provide the written permissible purpose that consumer gave EQUIFAX to furnish information on consumer report, EQUIFAX also failed to provide that ; another violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian does follow federal regulations for consumers. They allow your information to be access and used against you. They constantly report inaccurate information on my file. When dispute it and its definitely wrong they state that the fraudulent information is correct. Which means they are in business with that company which is a conflict of interest. XXXX and end XXXX does a better job with protecting the consumers. So i have 5 accounts on my that are inaccurate and fraudulent information on them. XXXX and XXXX  recognized the inaccuracies and fixed or deleted them. Experian does not even investigates them properly. They just state its verified. Even if you upload a police report. They should be shut down and put out of business for giving out personal information and conflicts of interests against consumers. They are the worst XXXX company and they are part of a huge problem Congress needs to shut them down. I have even written my local representative about Experian unlawful practices to keep consumers down with fraudulent score keeping.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: DISCOVER BANK
State: NC
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:
XXXX made an unauthorized charge to my Discover Card in the amount of {$100.00}. The service was not requested and not desired. They auto billed the account without notice or authorization. They were contacted and they just want the money. Discover was contacted and the charge was disputed, but they did not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: CT
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:
Identity stolen in 2014. All false credit claims were supposed to be resolved. Police reports were filed and managed. Experian has maintained a 7 year old record of XXXX XXXX XXXX charge made using stolen information and not even my correct last name. I filed a dispute today on experian website due to interest rate change on XXXX card which they sited Experians fake credit scoring policy. The site asked me for money to correct this, protection fees, and would not help me afterward. I don't pay extortionists, be them mafia or over powered credit agencies. The website offered no more assistance, except referral to call the help line. I called and waited over 30 minutes for any response and got none. Also got no expected wait time and heard someone, on my line pressing buttons, via the beeps. It is not okay for credit companies to sell " Protection '' for accurate reporting.

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 2019-05-15
Company: WELLS FARGO & COMPANY
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I receive a settlement of {$290000.00} in XX/XX/2012 an open account with Wells Fargo XXXX XXXX in Delaware I spoke to the teller and he asked me to open two secured credit cards both of us {$3500.00} each so {$7000.00} which was my own money I open account XX/XX/2012 I had over {$200000.00} in the bank but I just looked at the credit report and it's saying that I opened the card XX/XX/2012 and I was {$1000.00} negative I noticed to lie so I please can someone help me with this issue

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