BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts from my credit report that were opened fraudulently.

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 2016-04-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Credit agencies Experian, XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.

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 2017-01-11
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
i can not verfiy my identy on the question so i need to get that fixed

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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Unauthorized use of credit report. TransUnion, XXXX, XXXX is out of pocket! please fix.

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 2016-11-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Dear CFPB, I checked my Experian Credit Report on XX/XX/2016 and I was surprised to find XXXX inquiries : XXXX from XXXX on XX/XX/2016 and XXXX from XXXX on XX/XX/2016. I have not taken any action to open an account with either XXXX or XXXX. I do not know why the inquiries are on my report, but I suspect identity theft. I am seeking to remove the inquiries from my report and put those companies on notice of potential fraud. Attached please find my Experian Credit Report showing the fraudulent inquiries. I have erased my name from the doucment in accordance with your request to not include personal information. 

Please let me know if you can assist me in the process of removing these inquiries from my credit report. 

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 non-monetary relief
Consumer complaint received 2021-07-09
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 paid several credit cards before it went into collections. Also the ending amount was inaccurate. I have told all credit agencies to update or remove from my credit report. I would need validation, not the same comment this is true from the company. They never reach out to the company.

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 2021-08-10
Company: Netspend Corporation
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I checked into a hotel, XXXX XXXX XXXX, on XX/XX/2021. They required a room deposit of {$350.00} at check-in. I then placed the deposit hold on my Ace Elite Prepaid NetSpend Card. I then checked out of the hotel on Friday XX/XX/XXXX. When I checked out I had a XXXX balance due because No Charges were made to my room! The hotel said the {$350.00} would be released within 24 hours, but when it goes back into my account is based on my bank. 

It is now XXXX the XXXX and NetSpend has yet to release the hold and refuses too!, I even e mailed them 2 different portfolios from XXXX showing that I have a XXXX balance due, and they still wont release it! I am beyond frustrated!!!!! Its been over 2 weeks since I checked out!! If money were due, the hotel would have taken it long before now. I have been with NetSpend over 10 years and have deposited over {$500000.00} into my account with this unethical company. I want my money. Period!

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 2021-07-09
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Boeing Employees Credit Union. 
Withdrew funds from savings account and made a payment on a credit card without authorization or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Midland Credit has posted a {$1000.00} debt on my credit report. I have requested validation a number of times. Most recently in XXXX of 2021. Their failure to respond indicates to me that they can not validate this debt and/or it must be a result of ID theft. I am requesting it be removed from my credit report immediately. I have attached the request to this complaint with includes the tracking number to established when it was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to the credit bureaus with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: TD BANK US HOLDING COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX XXXX Rep Bill XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or XXXX accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help 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 2021-07-09
Company: National Credit Systems,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:
National Credit System is inaccurately reporting on my XXXX  Account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
On XX/XX/XXXX I spoke with Experian representative XXXX. He stated that he was in XXXX XXXX. During this call, I voiced my frustrations about not receiving results on disputes that were submitted beginning in XX/XX/XXXX through presently. I have countless documentation on the disputes submitted. After voicing my concerns, XXXX obtained further information on the accounts that I disputed and stated that he will be deleting them from my credit report. 
He also indicated that he will be sending me an updated credit report within XXXX business days. 

On XX/XX/XXXX, I spoke with a female representative of Experian who explained that XXXX basically lied and only removed " comments '' from those accounts. He specifically told me that they would be deleted from my credit report because I explained how they were inaccurate and the fact that they violated the FCRA by not responding with proof of the disputed information within XXXX days. 

Recently, I submitted further information to Experian and would like for them to delete the inaccurate, fraudulent, and unverifiable information from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-27
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Called XXXX and the associate told me that as far as she can see all my payments are made on time and are current. The date on my bank online credit monitor says date last reported as XX/XX/2015 and stated that I have 1- 30 day late which is this month she should see something. Also this account has autopay which would also make this impossible. She said that She could give me copies of statements but could not transfer my call or other wise resolve the dispute. My Phone is XXXX email XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi all, On XXXX XXXX, XXXX, I called the debt collection company " ARS national service , Inc '' provided my account information regarding the settlement amount of {$7500.00} I have owned. All the phone call was recorded by them at the same time. I have spoken to one of the representatives saying that I was ready to pay off, and been told that the money was ready to run on that day. However, on XX/XX/XXXX, I have received a summons from XXXX XXXX court saying that the original credit card company is filing a lawsuit against me. I called back to ARS and asked what happened. after that, I have found out that the representative who answered my phone call on XX/XX/XXXX has never ever submitted my payment on that day. 
meanwhile, there is another debt collection company name " XXXX XXXX XXXX XXXX '' that is taking care of this debt after ARS. now they are asking me to pay the outstanding amount which of {$21.00}, and they have filling a lawsuit if I can not pay on time. 
I feel very innocent of this situation. compares {$7600.00} to {$21000.00} there is a huge difference. I did what I need to do back in XX/XX/XXXX. It is the ARS staff 's fault that didn't submit my payment, but why I have to take this responsibility. 
I hope you can involve this case, and let me know what is rights to protect myself. 

( one of ARS stuffs informed me that they have notes saying I called on XX/XX/XXXX and gave my account information to authorized them to charge me the amount of {$7500.00}, but they can not provide me the phone recording since I don't have an attorney representing me at this moment ) I have attached the settlement letter from ARS and I had conversation evidence with a person who was representing negotiated with ARS saying I paid off back in XXXX. 

my phone number is XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX  XXXX  transunion will not give 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 2021-07-08
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: Account status incorrect

Complaint:
Account shows both charge off and late how can account be both charge off and late. 
If is charge off it cant be late. 
Account shows that there's a balance owed of XXXX to another company but yet it shows in the credit bureau that the company that the money owed to is XXXX this information is incorrect nothing is owed to XXXX since the account was charge off theres a XXXX balance due.

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 2021-07-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Threatening to Sue. 

I want to file a complaint against Midland Credit Management for repeatedly threatening to sue me for the collection that I am disputing. 

Each time I contact the collection agency to inquire about the collections legitimacy or try to solve the matter, the collection representative repeatedly informs me that the file will be forwarded to a lawyer. A lawsuit will be filed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My husband passed 6 months ago, the mortgage from Wells Fargo was only in his name because of a bankruptcy I had several years ago. I waited for the first XXXX taxes to be paid and decided to pay off the home with the life insurance money. They sent the escrow check in his name the the bank Wells Fargo would not let me deposit it. We left his name on the account for any checks that came in his name. They started communication with the mortgage company and they asked for the death certificate and one was sent. They then sent a letter to my deceased husband telling him they could not sent the check to me. They then asked for a letter from the banker, that was sent, again they would not comply. They then asked for a copy of the will, again sent along with another death certificate, they stated that was not good enough. My lawyer then sent a letter stating that this was the only will and my husband was struck with a XXXX and that opening an estate account for just this would be a hardship to please return the escrow. Again they stated they now want a letter from the local court house. They will not even allow me to send the bill for the final tax of the year and pay it instead of sending me the money. Pennsylvania does not require an estate be set up if passing from spouse to spouse, this is the ONLY company giving me a hard time. I also now think I am entitled to interest on this money since they want to play this game with me. I have complied with every request they have asked for. I just want to pay my taxes with money that is rightfully mine.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Risecredit, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
An email and phone call were both placed to Rise Credit Customer Service to stop ACH withdrawals. I actually spoke with the customer service rep about the loan being settled ( paid in full ) since I've paid what I have borrowed but nonetheless the ACH withdrawals were supposed to be stopped and I got confirmation via Phone and E-mail that they were but yet I got a notif that my checking acct was overdrawn due to a ACH withdrawal from Rise credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-26
Company: WELLS FARGO & COMPANY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
wells fargo bank are lieing cheeting scum, They say they can not contact me? why, ihave lived XXXX all my life and XXXX bank, wachovia bank, wells fargo bank, have my tel no my email address, they served my court documants by email? yhey have had all my details and proof or paymants cashed into mortgage acount paid i have letters from XXXX bank proof paymants were cashed by wells fargo bank, please answer my question why would wells fargo bank telephone XXXX XXXX XXXX and send letters XXXX XXXX when wells fargo sold the property to a third party on the court steps $ then sold within 1 day over $ XXXX more, wells fargo have not put any sale figures in any coresspondance? i request who it was sold to and how mutch, i also request how many houses this person has purchased of wells fargo bank. please also answer my questions no 1 pickapaymant mortgage why was i not compensated $ court order, no2 forced home owners insurance at 3 times the prev amount $ compesation $ court order no3 Fraudulent forclosure $ court order, no4 overcharging removal of funds escrow acount court order no5 predatory lending 50 % home value $ court order no6, FHA insurance {$12.00} XXXX compensation for fraud and perjury supreme court order, no7 no missed paymants acount in credit also escrow in credit $ wells fargo bank also hold a co signed home insurance damage check {$2500.00} for work i had completed theft, no8, the cfpb have all the information yet i have not tecieved any compensation on any of these court compensarion orders, dosant that ring any bells cfpb what are you going to do for me a consumer or i have been deliberatly miss sold a mortgage and request full compensation for the theft of my property XXXX, please answer my questions and stop bluffing and side tracking i want answers thanks

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 2016-12-02
Company: HONOR FINANCE, LLC
State: NV
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have already made payment arrangements, i still got calls from XXXX different agent telling that i only need to talk to them when i call back to make payment. They have call me and text me before XXXX. Everyday after making my arrangements

Company response to consumer: Closed with explanation