BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Had a loan several years ago with this company & was unable to pay off due to financial hardship. I havent received any correspondence from them & then started getting several harassing calls for the past week from different numbers.I figured they were fraudulent since there were so many & no voicemail, until today. Before I could call them back they had contacted my family members to devulge personal information about me & claimed they were from the XXXX County Sheriffs office & were coming to my family members house to look for me. This cant be legal. This is going overboard. I called them back earlier & it was the same information my family member gave me so I know they are the ones. They said their company is XXXX or XXXX & they are representing XXXX XXXX. They also said it is their locator officer that was impersonating the Sheriffs officer that called my uncle! 
They used several numbers ... XXXX XXXX, XXXX. They claimed my case number is # XXXX XXXX XXXX but couldnt provide me with substantive information. I told them that I would not do any transactions over the phone & they further threatened me with legal action. I provided them with my address so as to send any other correspondence by mail & also asked them to stop threatening my family members. Please look into this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: IN
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 asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: IN
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 asked for items to be removed from my credit report that have not been verified as being mine. They have not been able to show proof of any original contracts with my signature or proof of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Please see attached screenshot showing Nelnet is charging me interested on my E student loan during the CARES act timeframe when no interest should be charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I C Systems INC is trying to collect a debt that is well past the statute of limitations. Original debt was for XXXX and was from XX/XX/2009

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 2020-10-24
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this collection company three times requesting validation of an account that is being reported to credit bureaus for XXXX XXXX in the amount of {$1800.00} and for the amount of {$500.00}. This company is reporting two different times with two different amount with the same account number. The first written letter was sent on XX/XX/2020, XX/XX/2020 and XX/XX/2020. On my credit report with credit bureaus it reflects that the account that was disputed meets FCRA requirements and this collection company fail to respond to my request of validation. This company has ignored the request for validation three times and this inaccurate information that is being reported to credit bureau has hurt my credit score and my reputation. I have given this collection company plenty of time to give me validation but they have failed to provide me with the information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2020 This complaint is against PayPal Credit Card for deliberately ignoring my dispute of a billing error on their statement dated XX/XX/2020 in violation of section 1666 of the Fair Credit Billing Act ( FCBA ). 
On XX/XX/2020, I contacted PayPal Customer Service by phone and spoke with a Customer Service Supervisor named XXXX. I informed Ms. XXXX that I am calling to dispute an amount listed on the XX/XX/2020 billing statement because I believed it was a billing error. My dispute was based on PayPal Credit ACCOUNT Agreement section titled YOUR BILLING RIGHTS SUMMARY and the FCBA.

After receiving my dispute, PayPal was required by FCBA to take the following actions : 1- Provide written acknowledgment within 30 days of receipt of the dispute.

2- Conduct an investigation of the disputed amount. 
3- Provide me with a written explanation or clarification after having conducted an investigation, not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after receipt of the dispute. According to section 1666 of the FCBA, the written explanation should set forth the reasons whether the creditor believes the account of the obligor was correctly shown on the statement, or whether there was an error.

It has been more than 90 days since I contacted PayPal Customer Service and submitted my dispute. However I have not received ( 1 ) an acknowledgment letter within 30 days and ( 2 ) I have not received a letter explaining the results of the investigation and whether PayPal Credit has found the amount in dispute a billing error or not.

PS : THIS COMPLAINT IS ONLY ABOUT PAYPAL CREDIT IGNORING MY DSIPUTE. THIS COMPLAINT IS NOT ABOUT THE DISPUTED AMOUNT. I RETAIN THE RIGHT TO SUBMIT A DIFFERENT COMPLAINT ABOUT THE DIPSUTED AMOUNT IF NEEDED.

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 2019-02-22
Company: Paypal Holdings, Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Paypal is attempting to collect a debt in the amount of {$3400.00} that does not belong to me. I have called a notified them of my dispute and that I have been a victim of identity theft. To date, I have been unsuccessful in getting this issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX  XXXX  XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}

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 explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. XXXX XXXX {$15000.00} XXXX XXXX XXXX {$130.00} CHAPTER XXXX BANKRUPTCY DISMISSED {$0.00}

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 explanation
Consumer complaint received 2019-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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 XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus XXXX XXXX XXXX XXXX XXXX XXXX. InXX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus XXXX XXXX XXXX XXXX XXXX XXXX about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
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:
from XXXX to XX/XX/XXXX i was XXXX i pulled credit and saw multiple accounts that i did not authorize XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I would like these accounts deleted from account federal trade commission report have been submitted along with police 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 2017-08-04
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made with and on : XXXX - ( XX/XX/XXXX ), XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest.
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: Experian Information Solutions Inc.
State: VA
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:
There are accounts on my credit report that do not appear to be mine and are inaccurately reporting on my credit report. I have attempted to dispute these accounts with the 3 credit bureaus and they continue to report the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Experian Information Solutions Inc.
State: MS
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:
After investigating my credit report, results and facts is this company has reported false information ; after my first dispute the results remained the same. The results are clearly false reporting and I will be moving forward with my actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am sick of trying to resolve this problem with capital one. I paid my account in full and close it because they wanted to continue to charge me fees and interest after I paid my account in full. Instead of reporting that I close my account in full they went and reported that I owe them {$7.00}. They know this balance was from a fee from them and that I close this account. Yet they are still reporting that I owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 60 days ago to this bureau Experian and they are disregarding a regular consumer dispute. I'm stressed and extremely upset at this company because I've been sending letters before this. Now when I complain through CFPB now they saying its not me " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I'm extremely upset they are not taking action on my consumer report and I want this handled NOW!! I PROVIDED EVERYTHING THEY NEED AND THEY STILL NOT TAKING ACTION IN REGARDS OF MY DISPUTE. I WANT THIS HANDLED NOW BECAUSE ITS INACCURATE INFORMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have used experian for a long time to freeze my credit. I even have the same pin for years. 

I Sent certified mail to experian to un freeze my credit because they would not recognize my pin # they send to me. I sent all my identification as requested. 

I even sent a 2nd letter asking again to unfreeze my credit again with the same identification. This time to permanently unfreeze. 

I pull credit reports for my business and can not even use XXXX for my applications because my credit is frozen

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 2020-08-31
Company: Simon's Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In Early XX/XX/2020 Simons Agency placed a collection account on my XXXX  report. ( Exhibit A ) Simons agency is claiming I owed {$170.00}. I never received documentation Or calls from Simons agency validating this debt and was provided no information on services rendered. They are in violation of the the FCRA. On XX/XX/XXXX after speaking with the collection agency, I called XXXX XXXX XXXX and they said I had a balance of {$190.00} which I promptly paid to them. ( Exhibit B ). I never paid anything to Simons Agency. There also appears to be a discrepancy between what XXXX  claims I owe and what Simons agency reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
Dear complain department, I would like to complain because I have unknow accounts in my credit report. I do not know their origins and they are not mine. Please check the information about these accounts and apply the investigation on the case of identity theft. Because I assume that somebody just used my information to file these accounts. 

I am talking about these accounts below : 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 explanation
Consumer complaint received 2020-10-24
Company: EQUIFAX, INC.
State: LA
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:
Dear ''CFPB '', Its been well over 30 days and I haven't receive any results regarding my dispute with Equifax.I will attach a copy of my disputer my letter and my 30 day demand letter that was sent XX/XX/2020 and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo held my mortgage loan for about 10 years, prior to transferring it inXX/XX/2019.. In addition to all of the typical mortgage and foreclosure law violations, ( resulting in numerous class action suits that Wells Fargo is defendant in ) Wells Fargo also continued to call me with its robo-dialers after multiple verbal and written revocations of consent on my part. This is a violation of the TCPA ( Telephone Consumer Protection Act ), which award 's victims {$500.00} - {$1500.00} per call. Wells Fargo then transferred my home mortgage loan to Specialized Loan Servicing in XX/XX/2019 and provided Specialized Loan Servicing my phone # s to also begin contacting me via robo-dialer. They also provided incorrect information to Specialized Loan Servicing regarding the balance and fees on my loan. 

Now that I am filing suit against Wells Fargo, they are denying that they held a mortgage on my home and are denying that they ever contacted me. 
I am moving forward with a TCPA lawsuit against Wells Fargo in the state of Michigan, and will be filing additional claim against Wells Fargo under RESPA ( Real Estate Settlement Procedures Act ) law. 

If you are a victim of Wells Fargo, consult a consumer rights attorney in your area, and ask about seeking damages under TCPA and RESPA law.

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 2019-10-22
Company: Experian Information Solutions Inc.
State: CA
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:
In Reviewing my credit report, I discovered that my file fails to include information that I know is important to providing a complete portrait of me as a consumer. I request that you add the following information to my credit file.

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