BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-09
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a second verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a third verification request Equifax and mentioned how I have not heard back since XXXX and XX/XX/XXXX and have received no correspondence back. On XX/XX/XXXX I sent a third request to dispute my bankruptcy and mentioned the dates I sent letters and advised they have 30 days to respond and asked that they delete the information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than 5 time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX

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: EQUIFAX, INC.
State: PA
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:
DP OF EDUC Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX  Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My complaint is as follows ; In XXXX years of life I have never paid a single dime in interest on any credit cards. I have owned my home for 32 years, purchase in XX/XX/XXXX with a 30 year mtg, refinanced in XX/XX/XXXX with a 20 year mtg and then paid off the mtg about years early. I have purchased at least XXXX brand new cars over the years for cash, leased XXXX others and purchased XXXX others with partial loans, all paid off early or in one case on time. I have financed XXXX my children 's college educations over the last XXXX years without any subsidies or loans of any kind, not a single dime owed by me or my children. All of my credit card bills are paid in full each month, no interest ever paid. The only blemish is for a {$15.00} fee with one of my banks paid late which is now in dispute with EXPERIAN. This blemish has already been removed from the banks records according to the bank. This past week I attempted to rent an apartment for my daughter at near new college as she will now be completing her XXXX Degree. I have been denied this apartment because I was told that my credit score was under XXXX. 
I checked on EXPERIAN 'S website and this information appears correct. My Complaint is XXXX fold. One, I think that that the way they have computed my score is wrong. When I called EXPERIAN today and called them on how they computed my score I was told there is some computer algorithm that computes the score. My second complaint is how on this EARTH can I have such an appallingly low credit score based on the information I have provided you and it is my opinion that the way they determine these scores is somehow corrupted. If you agree with my complaint and will go forward I will provide any information you need to support the basis of my complaint, which in fact EXPERIAN should have anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: Experian Information Solutions Inc.
State: CA
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: Problem getting your free annual credit report

Complaint:
Experian is forcing me too buy monthly credit services or they won't show my credit report they want XXXX from 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: ALLY FINANCIAL INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

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 2016-04-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello i recently made a request to have my credit reporting updated with correct information for my previous Mortgage lender XXXX XXXX. No resolution was made and I even contacted them directly with little response. XXXX is currently reporting my mortgage status and or my amount owed incorrectly. I am a XXXX veteran of 13 years XXXX and still ca n't get a resolution for this issue. On XXXX credit bureau it still shows open and reporting past due each month when the home was sold at public auction for XXXX back in XXXX 2012. My credit report still reflects that i owe the full amounts for the following bureaus Experian XXXX account closed XXXX XXXX account open over 120 days past due still being reported

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: Experian Information Solutions Inc.
State: PA
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:
DP OF EDUC Account # : XXXX | XX/XX/XXXXAccount # : XXXX | XX/XX/XXXX Account # : XXXX, XXXX & XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX - I have disputed these accounts but no response was sent to my mail.

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 2017-02-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.

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: EQUIFAX, INC.
State: PA
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 writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. Also, remove the fraudulent and/or inaccurate inquiries on the report. I have attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent in dispute on this account not being mine. It has not been removed

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 2016-11-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have tried to retrieve my credit report from Experian online. I am unable. I am requested to write in for it. I tried to call to find out why but I can not find a number to actually speak with someone. I finally received my report and have tried to file a dispute and again I am being asked to send in for a credit report which I already have. I have not had the problem with XXXX and XXXX, only Experian. Any assistance would be appreciated.

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 2015-11-05
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Experian lowered my overall credit score. When I called member services to find out why, they looked into it and could not find any reason for the lower score. They would not correct. Sent me to a financial advisor but could not talk to an advisor unless I bought and identity theft package. Nothing on the report no fraud alerts, late payments or new accounts to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Nelnet, Inc.
State: DC
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I sent a validation request and Cease & Desist to The Dept of ED NELNET INC. Sent via certified mail with receipt. I REQUESTED copies of any papers to show I have agreed to pay such alleged debt and information on the identity of the original creditor. My letter was received and ignored by this company which is a direct violation of 15 USC 1692g My consumer rights have been violated and my rights to privacy have been violated as well. An this company continues to violate me to this day with false information reported to the credit bureaus negatively affecting my credit worthiness and ruining my reputation. which is a direct violation of 15 USC 1692d ( 1 ) and defamation of character. This company is aware of the all the violations against me and the remedies I demand to rectify their wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2014, our family switched cellular services from XXXX XXXX XXXX to XXXX. XXXX offered a financial incentive to do so. We paid our bill in full with XXXX XXXX XXXX, but they initiated collection action. We provided them with proof of payment and they were supposed to stop but, instead, they have farmed the " debt '' out to a collection agency. The collection agency, Enhanced Recovery XXXX, has been provided proof of the debt, yet they will not remove the negative credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-12
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Enhanced Recovery Company submitted a collection on all XXXX of my credit reports stating I owe {$670.00} from a XXXX Cable/Cellular bill. I knew I did n't owe XXXX anything and called them to verify and they verified I was all clear of any debt. They were not aware of sending anything to ERC as a collection on my account. I have called ERC and they could n't find anything on me with what information I was giving them. Which proves its not me that the debt belongs to. I have disputed it with all credit bureaus and have not heard of anything. I have since applied for credit and have been denied due to Severe delinquency and debt collection on my credit reports. I have always had good payment history never late on my bills. This is affecting my credit score and is becoming a big nucense. I have read other customer complaints dealing with this same issue and it looks like it could be a scam. I am not getting anywhere with the credit bureaus and need this removed from my credit reports. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-09
Company: ERC
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I needed to borrow some money to pay some bills that were due and I did n't have enough money to pay them. I contacted several different loan companies but no one would loan me any money. Big Picture Loans said I could get a loan.. 

I signed the contract by e signature. At the time I did n't know I was going to have to pay back not just the {$500.00} but a total of $ XXXX.That is a total of {$2600.00} plus the {$500.00} I borrowed. I called them and they told me I had to pay the {$250.00} a month until the loan was paid off. 

I do n't mind paying a finance charge on the money I borrowed, but to pay over {$2600.00}. I do n't have that kind of money. I am on a fixed income ( Social Security ) I just ca n't pay that kind of money back. This should be against the law. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
At the end of XXXX I paid off my Victorias Secret credit card. To date no difference has been reported to any credit reporting agency. I called the company XX/XX/XXXX. Comenity - the bank that holds the credit card acknowledged they did know about the problem and asked if they could send me a letter that it was paid off. Getting a letter doesnt raise my credit score. I was waiting for a certain score to then apply for something else but I wanted this to show as paid in full first. It is now XX/XX/XXXX its been over 90 days and there has been no resolution. I was going to go on social media and complain to Comenity but it appears Im not alone with massive issues by other credit holders.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged an overdraft fee when my account was not overdrawn. I went into the bank yesterday to ask if they would reimburse it and the banker was very arrogant, started yelling and making false statements about the account, and now, today the ban has called and wants to force my accounts closed. They are joint accounts in mine and my husbands name, and he did not say a word to them. I was the one who tried to resolve the problem about the overdraft fee. We do not want our accounts closed as we both have direct deposit and also have our home mortgage with this bank. Please help as I have done nothing wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal placed a limitation on my account after linking my bank account and credit cards. They are requiring a photo ID to lift the limitation. I do not feel comfortable sharing my ID with Paypal, so I requested that they close my account. 

They refused to close the account unless I submit a photo ID. So I'm back where I started. 

I'm unable to remove my bank account or credit cards from the account. I'm told that because of the limitation Paypal considers the account closed, however, anyone is able to mistakenly send money to the account. I've attached a screenshot of the activity still allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Citi Bank has my account in pending/hold with no date to actually close the account! The bank was able to transfer fund from My checking to my savings but give me access to my funds.

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 2016-08-11
Company: WELLS FARGO & COMPANY
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I had an account with Wells Fargo that I paid on time every month with out any late payments. They reported a late payment on my account and although the account has since been closed they are continuing to report the late pay on my account and negatively impacting my credit score and my ability to get the best interest rates on credit. I paid the final payment with a check clearly dated on XXXX/XXXX/2012 as the payment was due on 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 2020-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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 had automatic payments set up on my CAPITAL NE BANK USA card since I opened it. I recently started doing a mortgage loan and was informed that there are several late payments reported to the credit bureaus on this account. I have never received notification of a late payment nor am I aware of ever being late on this account. The partial account # is XXXX.

Company response to consumer: Closed with explanation