BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-07
Company: Experian Information Solutions Inc.
State: AZ
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 paid for Experian 's credit monitoring for the last 3 weeks. ( Today 's date XX/XX/2018 ) I have gotten alerts ( Which I have screen shots of ) and when I logged into my account I could not see what effected my credit. Then they had a tab that said new collections were filed with a total amount of {$370.00} due and when I clicked on the link to see what the " New collections '' were they only showed accounts that had been on my report for over 5 years. I am writing you because I feel that the company 's process or whatever you'd like to call it is manipulative. They send you an email stating your report has changed then dont provide any information as to why its changed. I believe this to be fraudulent and not a fair or honest way to practice reporting. I am bringing this information to light in hopes that it is looked into. If you need any help at all or need to call me I will provide my information below to assist with anything to help you investigate Experian. 

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 2022-08-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked Experian to conduct a proper investigation and verify that the XXXX XXXX, Account # XXXX that is reporting on my credit report was in fact reporting accurately on my credit file. I have received documentation from Experian that states the XXXX XXXX account # XXXX was reporting correctly on my credit file. After doing my own research, I have found improper inaccuracies on my credit report after Experian stated the information was correct. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602 A. states that I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
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 been disputing this debt with XXXX XXXX XXXX XXXX ( PRA ) with no resolution. I sent a certified validation letter on XX/XX/18 in regards to this collections being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. I received a letter stating that this account number xxxxxxxxxxxxxxxx was sold to Portfolio Recovery Associates ( PRA ) and the time of the sale the Seller provided an electronic file, a summary of information sent in the electronic file and a bill in the amount of {$5100.00} which does not constitute validation. I sent another certified validation letter on XX/XX/18 and in return they sent the same letter as the first time. 
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt I Also need to know what information was sent to the credit bureau to validate the XXXX. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: TRUIST FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results.

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 2021-02-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We have HELOC with BMO Harris bank originally until it was transferred internally with XXXX XXXX XXXX. ( XXXX  ). We have tried to call them multiple times and arrange a payment schedule with them since our HELOC matured and affected due to our bancruptcy filing back in 2015. We got a lettter from XXXX and demanding to pay the full amount payment of XXXX. XXXX rep said they are no longer sending statement. We are willing to work with them and pay down our loan but we couldnt get any meaningful assistance form their rep or even discuss it in person. We are looking to refinance it but since they are reporting the past due account in credit reporting agency we are having to problem starting this process.

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 2020-11-20
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Turned in my XXXX XXXX during XXXX on XX/XX/2020 per the appointment for inspection audit gave me while lease was ending on the following month ( XX/XX/2020 ). Did not want to lease another car but XXXX XXXX XXXX dealer said they will pay the last month lease of {$340.00} if I lease a new car with them which I did. They never paid the last month fee. I called Audi XXXX XXXX, Audi Financial and Audi XXXX group and still paid the balance out of pocket. As result I paid for two cars for the month of XX/XX/2020 as the sales person did not honor what they have promised us and I did not want my credit to be effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Tranunion LLC didnt respond my letter Dated on XX/XX/2020 After couple months, they responded my letter of XX/XX/2020 and they came back to me saying that they wont make a further investigation. Please be advised that this is my second letter telling them That they didnt respond my letter within 30 days period dated on XX/XX/2020, I am enclosing a copy of a letter that I mailed to the company via certified mail requesting that they verify the alleged debt the company claims I owe. The tracking from the USPS shows the letter was delivered on XX/XX/2020 approximately. It has been more than 30 days, and I have not received any proof that your company validated the debt. 

This letter is a follow up to my original letter dated [ XX/XX/2020 XXXX regarding an inaccuracy in the credit reporting, regarding the entry being reported under Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Late Payment XXXX   XXXX Unverified Account XXXX XXXX XXXX Unverified Account By not replying in a timely manner to my initial letter on they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 


Therefore, in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that they immediately delete this information from my credit reports. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

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 2023-07-29
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: ME
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:
XX/XX/XXXX Phone Call Transferred to a 2nd Rep, as the 1st Rep just kept repeating script " information will remain on Report until XXXX, XXXX ''. XXXX XXXX  is no longer reporting this credit card item ; I sent Certfied mail & backup 2x in XXXX ; and uploaded backup. 
Experian continues to ignore the information, and Closed Dispute. 
The XXXX XXXX  Item needs removed immediately. 
Also, my FICO Score on Experian ranges 35-40 Points below XXXX  & XXXX. 
When I asked for explantion, was referred to FICO ph # XXXX which refers you back to the Credit Reporting Agency. 
Experian Member ID XXXX. 

XX/XX/XXXX, Experian changed my Name to XXXX. As soon as I received the email, I contacted them- and it took hours on the telephone for them to fix THEIR Error. 
They wanted me to resend them information proving my identity- which THEY changed- and which they already had by Cert Mail & uploaded documents. All they had to do was OPEN the Report & see MY name ( NOT XXXX XXXX. Experian has some explaining to do. They need to REMOVE immediately the XXXX Credit Card Acct that is Reporting Negative- and they Need to UPDATE my FICO Score to reflect accurate information. Thank you 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 2018-07-14
Company: EQUIFAX, INC.
State: NV
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:
When trying to obtain my credit report information on line I am given one question that asks about what bank did I open a debit card account at and I have never opened a account at any of the banks listed. I then check none and go to the next question. The next question says that I have taken out a automobile loan and asks what are my monthly payments. I have no automobile loan and monthly payments. I the check the none as the response and hit submit. I then get a notification that my information is not available because Equifax information does not mach mine. Equifax gives a XXXX number to call but it will not work with cell phones and my landline is for local calls only and will not work for XXXX numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-29
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, I paid a clothing manufacturer, XXXX XXXX, via Paypal for goods. When I received the goods they weren't as described and they held my labels/tags I had paid for.. I filed a dispute with Paypal and they denied my case! I have the wrong merchandise plus they fail to ship part of my order. I can't believe Paypal ruled in their favor. I am looking to get back approx {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX XXXX, 2017 my VA Benefits were direct deposited into my Bank of America account. When I went to get the money out to pay my bills around XXXX, my debit card would not work at the ATM. Attempted to login to our online banking and was not able to do so. I waited in the Bank of America local branch parking lot until they opened at XXXX. When I was finally assisted I was informed that our account had been frozen due to fraudulent checks. When they showed me the checks they were from people all over the United States that I had never even met. The signature " my signature '' on the back of them looked nothing like my handwriting. I was then informed that they would have to close my account on the spot, knowing I have XXXX and VA payments direct deposited, and that until they were done with their investigation I was only allowed to have approximately {$600.00} of my $ 1900+ paycheck. I asked what I was suppose to do about my benefits that are direct deposited and was told to basically take my business elsewhere and open a new account. I did so, and updated Social Security and the VA of the changes. My social security was still sent to the closed account anyway and I was issued a cashiers check that i received a few days later in the mail. On XXXX XXXX, 2017 Bank of America actually closed the account. It had only been two weeks even though the Treasury 's Green Book states that the institute must keep the account open for 30 days. The account can be closed sooner if it is an issue of fraud, which it was, however the same regulation states that if this is done the bank must still accept the direct deposit and make it available to the consumer. On XXXX XXXX, 2017 my VA check should have been direct deposited into the new account. It was n't and instead was sent to the closed Bank of America account. Attempted to go to the bank to get my funds and I was told it was sent back to the Treasury and now we must wait up to 30 days for Bank of America to return the check to the treasury then for the treasury to either put it into our new account or mail a check which could take even longer.

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 2020-08-28
Company: ENCORE CAPITAL GROUP 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is against the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details. I just wan na better myself in life dont put all this stress on me.

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 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX-2020 Ive mailed dispute to the credit bureaus certified XXXX2020 Ion day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still 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 2021-02-07
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was suspended without warning or notice for transferring money from my investment account at XXXX to my checking account with Chime bank. They demanded that I provide proof that the money was legitimate using statements from gusto and XXXX despite the fact that all of the initial investment was deposited to XXXX  from Chime and I have direct deposit from my employer connected to Chime. They have the full statements showing where the money came from but elected to suspend my account for 7 days with no notice. There is no phone number to call only an email with almost entirely automated responses. It wasnt until I complained on XXXX that they reached out to me to resolve the issue. They then sent an email on the prior Wednesday saying that my account would be reinstated in two days. Ive heard no response and am still unable to access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: PlusFour, Inc
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This issue was resolved once, I have been in XXXX and prior to that any medical debts I have requested a copy of a signred authorization with my signature that I authorized this agency to bill me for this medical procedure on whoever they did it on. I supplied the credit agency all the documentation once before and it was removed due to cause. Now this debt collector has relisted it and I request they remove it from all agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2021-02-08
Company: UNITED BANKSHARES, INC.
State: WV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a HELOC with United Bank that was originated approximately three years ago. I am now trying to refinance this loan with a greatly reduced interest rate ( less than half the interest rate on the HELOC ) On XX/XX/XXXX, at XXXXXXXX XXXX, I called United Bank to request a copy of the Note and Settlement Statement from my HELOC as this information has been requested for underwriting the new loan that I have applied for. I explained to the customer service representative ( I believe her name was XXXX XXXX the reason for my call and she promptly placed me on hold. After being on hold for about twenty minutes she returned to line, informed me that the person I needed to speak to was out to lunch, and that she would have this person return my call. 

After not hearing from United Bank, I again called on XX/XX/XXXX at XXXX XXXX  and explained that I had already called once, that this was an urgent matter and that I needed the copies of the requested documents. I was again put on hold for some time when the customer service representative returned to line and said that she would have the original customer service rep that I spoke with call me back. I still have yet to receive a return call from any United Bank employee. 

The Note and Settlement statement from United are the only items needed to finish underwriting my new loan. It is extremely frustrating that United has failed to respond to my request for these documents. This is extremely poor customer service and most unfair. Each day that I am delayed from closing my new loan is costing me an excessive amount of money. 

I would be grateful if you would contact United Bank for me and provide assistance in resolving 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