BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-11
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
PLEASE NOTICE ITEMS # XXXX ON THE UPLOADED CFPB COMPLAINT REVIEW PDF. EXPERIAN DELETED THE NEGATIVE ITEM ... 
I 'm a little confused. Two months ago, I disputed the following previously deleted account as being inaccurate, and Experian deleted it because the furnisher agreed with me. 

But today, I went online and checked my credit and noticed that your company put the previously deleted account that was deleted back onto my credit without notifying me. From my understanding, if you re-insert a previous item, you must notify me at least five days after placing this item back on my credit report. So why was I not notified? Because of your actions, my credit score dropped by XXXX points, causing me to pay a higher interest rate on my loan. In addition, I read an act on the FTC website stating that your action is a violation which carries a fine. 
Please delete this previously deleted account.

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 2016-09-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this with the Credit Reporting Agencies and with the credit card company. The credit card company has admitted that this was a fraudulent attempt to open a line of credit in my name and that they would have the inquiry removed from my credit. It has been 41 days since I was told it would be removed. I was told it might take up to 30 days to be removed. Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately!

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 2021-01-19
Company: Adler Wallach & Associates, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a derogatory hit on my credit report from AWA collections. They said its for an outstanding debt from a dental supply company ( orascoptics? ) Im not in the dental field!!! I never applied for any loan or credit with these people either. 
I was unable to resolve this with AWA and orascoptics never replied to my attempts to contact them. 
I am in the process of selling and buying a home, so this is not good right now. 
Can you resolve this in a timely manner pleeease, or tell me what I should do. Isnt this illegal?? 
This is already annoying me ... I shouldnt have to go out my way and waste my time for a fraudulent report. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have sent in request for corrections, updating or removal of XXXX, XXXX XXXX XXXX WHICH ARE PAID IN FULL. I HAVE SENT REQUEST TO THE BANKS AND WAS GIVEN STATEMENT OF PAID. XXXX HAVE MADE CORRECTIONS BUT THE ABOVE AGENCIES HAVE NOT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19
Company: PENTAGON FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020 my wife 's grand parent applied and get approved for a credit card with Pentagon Federal Credit Union. He added me as an authorized user. The Covid situation affected us and he was not able to make the payments. Based on the Pentagon FCU card agreement, which I attached, " ... I am not financial responsible for this account ... '' since I am not the account holder, just an authorized user. The account is showing on my credit report and is affecting me now when I'm trying to purchase a home for me and my family.

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 2016-11-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account was managed by an un-authorized party. I have already submitted a notarized copy of the FTC Identity Theft Affidavit and I have also already let the creditor know about this account. I have already disputed this account multiple times without any luck. Please help me resolve 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 non-monetary relief
Consumer complaint received 2016-12-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I subscribe to a credit monitoring agency XXXX I was alerted that a credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has flagged my account as collections. I do not owe any amounts or bills that are past due and recently had a credit score of XXXX and XXXX. I contacted the company XXXX and asked why this is on my report. i was told the information was erroneous reported and however they can not remove it form my report at this time. I asked them for a letter stating the information error but they refused to help in any way and told me they would not put anything in writing. the employee XXXX XXXX on XXXX/XXXX/2016 said she felt it would not hurt me but i have nothing in writing showing it was an error and their mistake. I also contacted the manager XXXX XXXX on XXXX/XXXX/2016 and he agreed it would be removed. I believe this company has done detrimental damage to my credit report for no reason at all due to their mistake and erroneously 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 non-monetary relief
Consumer complaint received 2021-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Why would the credit reporting agency want anyone to send their personal info to a XXXX consumer would have no idea if it is received by the appropriate party or lost in the mail ... Second when calling the reporting agency no human to talk. I personally made a mistake due to not understanding the voice prompted program and with XXXX of the agencies placed a freeze not knowing what this was for my only concern was my personal identity theft since my home was broken into and my social security card and financial documents were taken ... When you are under a lot of stress they should provide a human to handle these types of calls ... The consumer does not have any idea of the difference when initially contacting the agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
During the 2015 XXXX holiday I closed my savings and checking account at Bank Santander located on XXXX XXXX XXXX XXXX, in XXXX, Pa., phone number, ( XXXX ). Branch number XXXX. 
I received an official Bank Check for {$23000.00}. XXXX and mailed it on XXXX XXXX, 2015 to my XXXX XXXX Bank account and put on the back of the check for deposit only in my account and listed my account number. The check was never received by XXXX XXXX and is lost. I call Bank Santander and requested a stop payment on XXXX XXXX, 2015 Banks XXXX said the wo n't stop payment for 90 days. The bank officials say if I want a stop payment sooner I have to agree that they are not responsible for the money. They want me to obtain a surety bond too. I 've call 3 times and the bank refused to put a stop payment sooner than the 90 days. I asked the bank on what date will they put a stop payment on the check and I was told by XXXX XXXX who works at the bank that she did n't know, that she would have to get back to me with that information. 
Best Regards XXXX XXXX cell phone XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-10
Company: QuickClick Loans of Illinois, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Quick Click has my information for a loan. I did not request the loan and did not know about the loan until I saw it on my credit report and challenged it on my credit report. In response I got a notice from a 3rd party that a lawsuit has been filed. I checked court records and it has been filed although I have not yet been served by XXXX. I did not take the loan out nor have they responded to my request for validation after I found it on my credit report. I am formally filing a complaint to log all of the debt collection violations they have done. They have not validated my debt and filed a lawsuit against me without validation.

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 2021-07-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a mortgage that was in a moratory status as part of the CARES act around XXXX XXXX with a lender named XXXX XXXX XXXX XXXX. This mortgage continued with the moratory status until XX/XX/XXXX after filling multiple extensions. I resumed making normal payments in XX/XX/XXXX and I still making payments normal payments. 
XXXX XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX. During and after the acquisition I still having problems that XXXX XXXX XXXX continues to report the mortgage status as paying late with 120+ days. I initially informed the bank on XX/XX/XXXX, about the situation which they acknowledge the problem and they told me the case was referred to Mortgage Administration to correct the problem. The issue continues, I decided to make a formal dispute with the credit bureaus to remove the information on my credit reports. Every time I submit a dispute the information is removed but the next month XXXX XXXX XXXX reports the incorrect information to the bureaus. I already emailed the bank and I attempted to call the bank many times and they continue giving me not valid reasons.

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 2015-11-02
Company: High Point Asset Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I constantly receive calls on my cell phone from " High Point Assets '' leaving a message for " XXXX XXXX XXXX ''. I see there is multiple complaints online regarding similar situations. I have XXXX voicemails within 15 days. I blocked the number because sometimes it just rings and hangs up. This is clearly a violation of the law considering it 's a robocall. 

XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: AMCOL Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AMCOL Systems Inc. are trying to collect a debt that is not mine. I notified them XXXX XXXX, 2017 of this error and again on XXXX XXXX, 2017. Both times were in writing. The debt belongs to my son who is a XXXX. I am the XXXX. AMCOL has posted this to my credit reporting agencies which caused my credit score to decline. As of this date, XXXX XXXX, 2017 AMCOL has not communicated with me at all. They have not removed this from my credit reports. I did make a comment to my credit reports that these are not my bills. So far my score has still not changed. Thank you for your assistance to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was really surprised when I reviewed my credit report and found there was a late payment on XX/XX/2019. 

I am not sure how this happened. I believe I made all my payments on time. Is is possible I never received my bill.

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 2015-07-13
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent money through Western Union. It has been over XXXX weeks and money is n't there. WU has simply not helped track the money and keep saying that money has been transferred to the bank, which bank denies. I have now spent number of hours trying to solve this and WU has not offered any resolution and keeps delaying the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
This account was never late. At the time of the late payments reported to the Credit Bureaus it was in deferment and then transferred. I am requesting that the inaccurate late payments be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2016 I sent money via Western Union online to a family member. On XXXX XXXX, 2016, I cancelled the transaction. Initially, the customer service representative indicated that it would take three ( 3 ) to four ( 4 ) business day for the refund to be applied to my debit card. I made a subsequent phone call to Western Union on XXXX XXXX or XXXX to inquire about the nonexistent refund. The customer service representative then informed me that the refund would actually take up to seven ( 7 ) business days to process. Today, XXXX XXXX, 2016 is that seventh ( 7th ) business day and still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On the XXXX of XXXX, 2020, I was at an ATM in XXXX, MS and I went to use my card and immediately new something was wrong. I had over {$2500.00} on my card and knew that I shouldn't have had a problem using the card. After pulling up the account information from home I immediately noticed numerous of charges that I did not make. All of the charges were made in XXXX, XXXX XXXX and XXXX, FL and totaled {$1600.00}. 

I immediately tried to contact the Eppicard customer service on XX/XX/2020 and after waiting on hold I was hung up on numerous of times. When I finally got a representative on the phone and gave them all of my personal information to access my account they hung up on me. The next morning, I went to check my card and my pin number was changed. I continued to call back on XX/XX/XXXX and XXXX but still couldn't get through to anyone. I was also at this point convinced that this was an inside job. I have done everything within my powers to report this fraud to Eppicard and dispute these charges. 

I have had to miss work in order to file reports and make phone calls as an attempt to get my money back. Unfortunately, I was unable to reach anyone at Eppicard and I was told by a XXXX ( The bank on the back of the card is XXXX XXXX ) representative that they can't access Eppicard accounts from there system and there was no opportunity to email or chat live with anyone from Eppicard about the issue. This company has to be held accountable. 

Please find attached a copy of the police report card with case number, and a copy of the transaction statement. I will also contact for phone service provider if I need to, in order to prove how many times I have called this company to report this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
All cards under XXXX XXXX after XXXX 2003 are not mine. I got my own cards after my divorce. The cards belong to XXXX XXXX XXXX. I believe these reports should not be on my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried for at least 6 months to get items that are incorrect and or not mine removed and Experian/XXXX seem to do whatever they want with my credit. I have submitted documentation and reached out to the original creditor etc. I do not know why it seems the information the bureaus get does not seem to match what I receive. I am tired of this battle an then it takes more than 30 days to get a response to my issues or I wait all this time for the same response that they WONT RE-INVESTIGATE. Why do consumers have to deal with this? I am so close to being a First time home owner and its like i am fighting a never ending battle about MY CREDIT! I am to the point of wanting to sue as this is so XXXX to deal with and no one wants to get on the same page. I have accounts ( XXXX ) that get deleted for Fraud a year ago and the company sells the account to another source and they change the amount to try and make it valid of mine under the new source???? ( I attached this as an example ) This is crazy. I 'm ready for my credit to feel protected and accurately 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 non-monetary relief
Consumer complaint received 2016-12-07
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
XXXX uses Experian for identity verification in order for me to sign up for heath insurance on the XXXX Website. I have been unable to sign up for health insurance based in whole or in part on inaccurate information in my Experian Credit Report. The reason I know it is inaccurate is that I was directed to call Experian and I did so and during the call the Experian agent asked me a number of questions about myself based on information obtained from their records. As the completion of the questioning I was advised that Experian is unable to verify my identity based on some difference between my answer and their records. The agent did not identify which information I provided that was supposedly inconsistent with their information. Because Experian did not identify which of the questions I supposedly answered incorrectly, their process precludes me from requesting specific correction.

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 2016-01-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed XXXX XXXX, XXXX, and XXXX XXXX since XXXX of XXXX. I recently disputed a Bankruptcy on my credit profile XXXX/XXXX/XXXX, which I have not received notice that this entry is being investigated. I am a victim of identity thief and want these items removed. I have asked Experian to provide verification documents as of XXXX/XXXX/XXXX for XXXX XXXX ( XXXX accounts ) and XXXX XXXX. They have failed to provide such documents. Then, they allow XXXX XXXX XXXX ( collection agency for XXXX ) to post an entry on my credit profile, even though Experian removed XXXX. 
I asked this credit reporting company to provide me with documents to how these entries are " verified '' and remain on my credit profile. Under FCRA section XXXX XXXX a ) ( XXXX ), a consumer has the right to ask for validating documents within 15 days of an item being disputed. Has it not been more than 15 days? Have I not previously asked Experian to provide me with documents to support fraudulent entries on my credit profile? It has been going on 6 months since my disputes began, and I am still struggling to get an answer, documents, or removal of fraudulent activity on my credit profile.

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