BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hi. The dispute number XXXX was just opened by someone named XXXX. He basically refused to remove the items in the attachment off of my report. I have stated that the other bureaus have removed them because they know that they are not mine. I have verbally spoken to the XXXX and they verified that I am not in the system. They can not remove something that is n't showing up in their system. The last dispute that Equifax shows in their system was in XXXX, which is incorrect. Equifax has repeatedly shown that they have no regards for the law or for anyones credit since it does n't affect them. As of this morning I have filed a lawsuit against Equifax. I have attached my intent to sue letter with the accounts listed in the letter. I gave them the chance to remove the items and they have n't. They have n't responded within the time frame that they gave. They keep inaccurate records. They finally deleted inaccurate addresses off of my reports after filing complaints. I am going after Equifax for the full amount that the law allows. Their inaccuracies on my report is not helping me and it is hurting my family and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section XXXX XXXX ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I revieved a notice on my credit reporting service ( Experian ) that I had a pending Inquiry. I looked into the XXXX inquiry and it was stemming from my previous apartment complex ( XXXX XXXX At XXXX XXXX ). The XXXX said that my account was closed and that I should not be hearing from XXXX. They also stated they do n't work with XXXX and sent my my final invoice showing XXXX balance. Experian opened a case on my behalf but XXXX would not agree to even though I have documentation showing a zero balance from The XXXX. Experian closed my case and stated that I should report to CFPB.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On   XXXX   XXXX   , 2017, a bu yer purchased a used  Zip Drive from  me for {$20.00} on   XXXX   and sent their payment through  PayPal. This also included the shipping cost. Afterwards, PayPal took a fee of {$.00} from the purchase which left me with a pending balance of {$19.00}. T his led me to having to pay for the shipping cost of {$6.00} on   XX/XX/XXXX  , and not the buyer, an d PayPal said that I would get the money for shipping from the pending balance after the item shipped. Well, now the drive has been delivered, and I still have n't gotten any of the money from the pending balance.    This leads me to my next point. After I purchased the shipping label, I asked them when I 'd get the money, and they basically said within 15 calender days. I received this message on   XX/XX/XXXX .    Finally, the item was delivered, and I still have yet to see any of my money. Apparently you can only get your funds 21 days after the sale, 3 days after the item has been marked as delivered, or after the buyer has left a positive review for the item.   Well, none of these have happened yet, and I would like my money.   PayPal is treating it like it is theirs when it is not, and I 'm pretty sure it 's illegal for them to hold people 's funds. Also, if they stated this somewhere in the fine print, then it must be pretty obscure because I never saw anything saying they would hold my funds.
( In my images, I crossed out the   buyer 's info, but I can provide original screenshots if neede
d. )

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 2017-05-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed unauthorized inquiries on credit repor t on  X/XX/2017  and  X/X/2017 . T he inquiries were not removed, nor did I receive a written response within the required 30   day time frame required by law. Many of the inquiries are duplicate inquiries.
  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   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      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 2016-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2016-04-07
Company: Experian Information Solutions Inc.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have submitted these requests for corrections to my credit reports, Experian and XXXX, multiple times now and have yet to see any change. I have even spoken with the collection office and been told it is going to be fixed. I am tired of the run around from the creditor and the credit agencies, I just want it taken care of.

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 2017-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :   XXXX   XXXX   XXXX   XXXX   XXXX  , IL  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 2015-10-28
Company: WESTERN UNION COMPANY, THE
State: WI
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Money has been sent by Western Union to private party in XXXX. I received information that money can be received in XXXX XXXX WU reps. XXXX women walk for XXXX miles to get it but in XXXX reps told her that is WU system doesnt work. She has to walk back by rough road w/o pavement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XXXX I use PayPal in order to run my online XXXX XXXX. PayPal is required in order to sell clothing on XXXX which is what I do. None of my clothing could be considered counterfeit or anything that would be considered a violation since I make a good portion of my clothes! I logged on to PayPal in order to get my {$800.00} that I have stored in there from my shop, and it is telling me that my account has inconsistencies with the user agreement and that I am no longer able to use that PayPal or create a new one. I need the money that is in that account relatively soon and I also need to have that account in order to maintain selling my clothes on my shop. PayPal is of no help and has not helped me whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went to the government XXXX site : XXXX and was able to get my report from XXXX and XXXX, but when I tried to pull the Experian report the site came back with this message : We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX Request form. 
XXXX XXXX. XXXX XXXX XXXX, GA XXXX A web search yields many people complaining about the same issue w/ Experian. Why is Experian allowed to get away with this when the other XXXX bureaus comply? 

The other thing is this : Why is there not a way to request the report via secure fax or upload-why would I want to send my personal information through the mail and labeled such that anyone looking at it along the way would instantly know what is in the envelope and would be tempted to steal it-this is a terrible way for Experian to treat people 's personal information. If they are not going to allow people to get their personal credit report through the XXXX website, then they at least ought to have a secure up-load mechanism that people can use to request the information instead of having to put it in the regular mail. Why do you allow this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
There are items on my credit that I know are not mine. I also can not get a copy of my credit report from the XXXX major credit report sites because of the items that are not mine on my credit they can not prove that I am myself. I am in the process of mailing copies of my information to prove my identity to them so that I can receive a copy of my report from them. I did find that my local bank had the wrong social security number in their system for a credit card I have with them and that has been rectified. So, I do not know if that was the problem with my credit or not because of the variance of my social on my credit. The only reason why I know there are items on my credit that are not mine is because I went to the bank that I have a auto loan through to refinance it and they pulled up my report and pointed out the problems to me there. What other ways can I get this resolved? If it really is identity fraud and I report it to the credit bureaus what happens next? Should I file a police report at my local department?

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 2017-05-18
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: Their investigation did not fix an error on your report

Complaint:
My complaint is against Equifax and  XXXX . There are liens appearing on both. The liens are  PAID. T he liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with   XXXX  . Equifax and   XXXX    should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called each credit bureau and requested my credit report updated with correct information. The personal information has not been updated and my credit report continues to reflect incorrect information.     The only address that my credit report should reflect is :  XXXX   XXXX   XXXX   XXXX   XXXX , IL  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 2022-01-01
Company: KEYCORP
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had XXXX stolen from my Illinois unemployment card account and I received a check for XXXX and key Bank refuses to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I was lay off from my job on XX/XX/2014 making it impossible to pay back a XXXX pay day loan with Checksmart and a $XXXX loan XXXX. I have tried to make arrangements to pay back through an installment plan. Instead I am getting threatening phone calls about being summoned because of fraudulent transactions compromising my social security. I have checked the number that calls and I have read some comments about being a collection agency. The number is XXXX Pleas help me stopping the illegal practice by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 'm about to sell my house ( in fact my closing date is next week ), but I 'm still having problems with m  y Chase mortgage.
In the last two   months as I 've dealt with the various expenses associated with getting the house sold, I 've run into an issue where I need to pay the mortgage a couple days late. When I called and asked for an extension for a couple days they refused, but they told me that if I make the payment late but then call them and explain they 'll waive the late fee after the fact. So I did this in  XXXX  and they told me they 'd waive the late fee and I could pay online. However, when I went to pay online, the system would only allow me to submit the amount that included the late fee. I had enough in my account for the mortgage but not the late fee, so my payment bounced and after some other charges, I had to attempt the payment again later. At which point I got charged another late fee. I wound up having that  one  waived, too, and when this rippled into my  XXXX  payment, they told me the same thing -- to call in when I made the late payment and the late fee would be waived. But they 're now denying that they agreed to waive the late fee, and I 'm worried that trying to contest it will cause problems as the sale is finalized next week.   This is not my first problem with  XXXX  hase -- in fact they sabotaged my credit. A few years ago ( before the CFPB existed, I think ), Chase  was depositing a slightly smaller amount towards my mortgage than what I owed -- I swear I was writing the check for the right amount. Anyway, after a few months of this discrepancy I was behind just a few dollars on my mortgage, and this put me into default!    Chase has been an awful mortgage company. My bad mortgage is why I have to sell my house now, and has been an enormous stress these last 11 years. I would discourage anyone from taking out a Chase  mortgage.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX  I contacted my mortgage company at the time,  XXXX   (   XXXX   XXXX   XXXX  ) to try to get a loan modification thr ough MHA ( Making Home Affordable ) but was denied.      In  XXXX   XXXX  my mortgage was sold to  SLS ( Specialized Loan Servicing ).  I contacted them in  XXXX   XXXX  to try to get a loan modification throug h MHA. In   late  XXXX   XXXX  they denied my modification request. In that letter their reasons were incorrect, inaccurate, and inconsistent. In that letter they told me of the option to request a second independent review. In early  XXXX   XXXX  I sent them a request for a second independent review. Their letter stated that they wouldnt continue with the foreclosure process while being reviewed. However, in early  XXXX   XXXX  when I followed up with them they told me that my home was foreclosed on and sold on  XXXX   XXXX ,  XXXX .     I retained a lawyer to attempt to rescind the foreclosure and fight an unlawful detainer. I lost on the unlawful detainer, which will force me to move. I received an eviction notice and need to leave my property by Tuesday,  XXXX   XXXX ,  XXXX .     By foreclosing on my home SLS violated my California  Homeowner Bill of Right s.

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 2022-01-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have two different companies reporting the same account on my credit report. 

XXXX in the amount of {$550.00} XXXX XXXX in the amount of {$550.00} I have worked with a credit service and the problem has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Navient Solutions, LLC.
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: Old information reappears or never goes away

Complaint:
Hi, I recently this month disputed a debt with   XXXX   and  XXXX .  XXXX  accounts under  XXXX   XXXX .   XXXX   took all  XXXX  off.   XXXX   denied all  XXXX . If I even ever owed this debt reported as owing to  XXXX   XXXX , I dispute that I presently owe the debt. If I ever owed it, then I defaulted upon this debt on  XXXX   XXXX ,  XXXX  and the six-year statute of limitations to commence a collection lawsuit passed on  XXXX   XXXX ,  XXXX . Today is  XXXX   XXXX ,  XXXX . No lawsuit was ever commenced. This debt was erroneously reported on my credit report as a valid and collectible debt having a charge off date of  XXXX   XXXX ,  XXXX . This entry is thus not accurate because the debt would no longer be collectible under local law as it is an out of statute debt ( 10 yea rs ). I requ ire that you remove any and all reference to this debt from my credit report at once and that you recalculate and amend m y credit score wit hout the effect of this debt computed into the calculation.  XXXX  #  XXXX . Thank you!  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
someone has stolen my identity and opened several accounts in my name as well as federal taxes in XXXX XXXX and XXXX XXXX ec't as well as who knows what el 's i have been incarcerated in XXXX for the better part of XXXX up to XXXX XXXX XXXX XXXX jail XXXX XXXX XXXX Have not given no one permission to use my name whatsoever period I am a Victim of Identity Theft by all parties weather knowingly or not and will provide law enforcement anything to bring those involved to justice

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I signed up with Experian in order to receive a XXXX time credit report in the amount of {$1.00}. Upon signing up I box prompted if I would like a XXXX bureau report along with my FICO credit score. I checked that I did, but was not made aware that an additional charge of {$39.00} was going to be added. I received my credit report and moved on. Today I checked my bank account and there is a charge in the amount of {$21.00}. I checked with Experian who advised me that the charge was for a monthly monitoring service that I did not cancel within the trial period. I did not authorize the monthly monitoring nor was I made aware of the trial period that I needed to cancel this unwanted service in.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief