BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-28
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:
Hello, this is XXXX XXXX XXXX XXXX again and I am submitting this complaint against Experian over their frivolous attempt at an investigation at my expense. They are tarnishing my creditability and my good credit by allowing a false riddled account with incomplete and incorrect information to appear on my credit file under XXXX XXXX XXXX account # XXXX ... This account is under another persons name at my business address and it does not belong to me personally and it is affecting every aspect of my financial stability. 

I work for XXXX XXXX XXXX, in the XXXX XXXX offices and I will pursue strict litigation against Experian for false reporting and responding to my initial dispute through the CFPB portal with absolutely ZERO investigative results, evidence and facts! They have not responded to my complain AT ALL though this portal. They have submitted generic and cookie cutter responses to me through this portal that make absolutely no sense. Their has been ZERO validation or investigation with XXXX XXXX XXXX on my account and they have not even verified the addresses that are displayed on this inaccurate account versus the addressed that appear legally join my credit report. 

This account is inaccurate and illegally reporting to my credit report and the investigation I received was UNLAWFUL, INSUFFICIENT and a SHAM! I have no idea what investigation was conducted, there has been ZERO proof, ZERO documentation verified and provided and NO forwarding of my documents to they furnishers illegally reporting to my credit file. This violates FCRA law, this investigation was absolutely half assed and completely unacceptable. If this item is not removed within the next week I will be sending letters for Experian to cease and desist any and all activity upon my account under FCRA law and appear in court regarding this sham of an investigation!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
Interest was charged to my account during what I believed was a six month interest free offer through First Bank Card -- -First National Bank of Omaha . 

My first billing statement was issued XXXX XXXX, XXXX with the first payment due XXXX XXXX, XXXX. I paid off the entire balance on XXXX XXXX, XXXX. Later in XXXX I received a statement issued on XXXX XXXX, XXXX which had a balance of {$37.00}, the only charge being {$37.00} in interest. I contacted First Bank and was told that 0 % interest began the day I activated the account, XXXX XXXX, XXXX. I said I was under the impression that six months would mean six billing periods. They said, " six months is six months '' and that I had to pay the interest charge. I said I would pay in dispute so as not to impact my credit rating. 

I have researched other 0 % credit card offers and they typically refer to months and billing periods interchangeably in regard to their offers. I believe that the marketing of the offer by First Bank Card was deliberately vague and misleading. The fact that there was no interest charge on the XXXX XXXX, XXXX statement would indicate that six months is not six months since I activated the account on XXXX XXXX, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
After checking my credit reports I saw that my credit scores had dropped and saw that I had XXXX collection accounts ( from XXXX and XXXX, PA ) that were added. I had never heard from this company before, never got anything mail or phone calls from this company before it was placed on my credit reports. So I sent them a request to validate the alleged accounts ( on XXXX/XXXX/2015 by fax to XXXX ) but never heard back from them within the 30 days required by the LAW. So on XXXX XXXX, 2015 I sent them another requesting that they delete the accounts from my credit reports since they did n't respond within the 30 days as the law required. As of today they continue to report these accounts on my credit reports. I 've contact the original creditor who is listed on my credit reports and they did n't have any information about the XXXX alleged accounts. They continue to report these alleged accounts to the CRA 's in violation of the FCRA, FCBA because I was never sent any notices before they reported these alleged accounts on my Credit Reports. These accounts have been deleted from my credit reports and keep getting sold to other companies after its removed from my credit reports. The alleged account is in violation of Pursuant to XXXX. FOUR-YEAR LIMITATIONS PERIOD. These accounts were deleted and continue to be resold and placed back on my credit reports ( the companies that had the accounts that were deleted, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I sent the collection company a letter to validate the alleged debt and never heard back from them but continue to report that it belongs to 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 2016-10-25
Company: ZARVAD III S.A.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I made a loan with MyPayDayLoan.com. Shortly after making the loan, I was not able to repay the scheduled payments. I have a tax lien filed against me, and my pay has has been garnished. In the process of trying to make a repayment plan through a debt counseling company, they refuse to work with them. Meanwhile they call me numerous times per day and at least one email each day trying to collect. I have attached two of their most recent emails for your review. One, I consider to be threatening as they claimed to have reported my bad check to Contribution, a service of SCAN??? I never sent them a check in any form. My complaint is ... They refuse to work with XXXX XXXX XXXX to receive payments. XXXX is not a debt settlement company. I made arrangements with XXXX to repay the entire amount of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
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 that do not belong to me from 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 2015-10-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Looked at a printed Experian copyPrevious employer " XXXX XXXX '' is listed under " XXXX XXXX XXXX '' looks like they are questioning ss # and address. needs to be fixed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Kohls Credit Called me on XX/XX/XXXX to say I was 61 Days late on a payment. This was the FIRST phone call contact from them. I have never received a letter in the mail nor have I received an email saying I was 30/60 days late. 

I paid off my balance in full in XXXX. My next purchase was Holiday Shopping in XXXX. Kohls claims that there was a purchase in XXXX or XXXX which I do not recall. 

I asked Kohls Credit to please investigate because they were negligent on properly informing me on my payment status and there was a purchase that I possibly did not make, which is why I did not send a payment because I was unaware of a balance. I asked the rep and the supervisor to do the right thing and take the 60 day late delinquent report on my credit report. They refused and told me to call the president of Kohls. I even said I'll pay the balance IN FULL if you just take it off my credit report and the supervisor said he doesn't have the power to do that. They, again, told me to call the President. 

I called Kohls customer service and they said they opened an investigation but I get this feeling that no one is trying to help me. 

**This report will be CC'ed to Consumer Affairs, Attorney General NY, Attorney General WI, and Consumer Financial Protection Bureau**

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the following vendors/creditors : XXXX acct-XXXX, XXXX XXXX acct # XXXX and they have failed to do so.

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 2016-08-07
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have on my credit names that I had never used attached with addresses I have never lived. One is my ex husbands address and has me listed as another name. I am asking for this to be removed. This was pulled up by a background prior to getting employment

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 2016-12-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have repreatedly tried to temporarily lift a security freeze on my Experian credit report online. Each time Experian refuses to permit this being done online since I have been placed in " Special Handling '' as retribution due to previous CFPB complaints. 

I enter my data precisely as listed in a recent Experian report, I enter the correct PIN previously provided by Experian ( which I have used before successfully prior to being placed in Special Handling ) as well as entered valid payment details, each time Experian refuses the request. 

Writing in to temporarily lift a security freeze is a major inconvenience as it prevents knowing precisely when the report is unfrozen and I can apply for credit. Since written requests are subject to mail delays and processing delays, it 's impossible to know exactly when the freeze is lifted and to then accurately calculate when it will again be re-frozen. 

Experian should not be allowed to take retribution against consumers who have filed CFPB complaints about them.

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 2017-03-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy send it to me per credit law. Otherwise please have it removed upon receipt of this official notice.

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 2015-07-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Rewards

Complaint:
I 'm experiencing a hard time with Citi Bank. Citi Bank had a promotion in XX/XX/XXXX, which was Citi XXXX Access More credit card. They advertised that if you apply this credit card with Citi, then buy a phone at XXXX and spent {$2000.00} within XXXX months, then Citi Bank will give you a {$650.00} credit. I applied the credit card and got approved on Citi website, and follow the link to purchase a phone then got re-directed to XXXX website, then placed the order and received confirmation email on XXXX/XXXX/2015. Then XXXX emailed and let me go to their local store and get my identification verified, so I went and got the phone at their local store. Then I started to spend money with that credit card, by XXXX/XXXX/15 I had already spent {$2000.00}. I called Citi customer service on XXXX/XXXX/15 and asked if I need to fax or submit anything to get the {$650.00} credit as they said in advertisement, the representative said no and she had seen all the transactions and I was qualified so I should see the credit on that billing cycle. I did and I did n't see the credit. I called again on XXXX/XXXX/15, talked to an account manager called XXXX in XXXX office, she checked and said I would have the credit on my account on the next business day. I waited again, but disappointed again. I called on XXXX/XXXX/2015 again, and requested to speak to XXXX, got refused by the representative, and she told me I had to fax them the purchase receipt of the phone and I should have the credit on my account in 5 business days. All right, as long as you give me the credit, I did fax the receipt to them on XXXX/XXXX/15. Unfortunately, I did n't see the credit by then. I called again on XXXX/XXXX/2015, this time another account manager called XXXX in XXXX office spoke to me and said I was not qualified since I did n't buy the phone through the link. I told her I did, I followed the link and placed the order and read the email from XXXX Then she said since I just faxed the receipt, it would take another XXXX billing cycle to see the {$650.00}. And she lied that someone from XXXX office had contacted today regarding this, actually nobody from Citi Bank had ever contacted me even though they promised that someone would call me every time. I paid all my balance, I just need my {$650.00} credit back. If people have overdue payment with Citi Bank, they will charge them a high interest, how about this?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Please investigate the practices of Experian. They have manipulated my credit report and score. They are unresponsive and vague. My score has recently dropped XXXX points yet no one is able to give me a consistent answer as to what has happened. I have filed several disputes and they remain unresolved in addition I have cancelled my monitoring service. 2 days before the cancellation I was notified my score dropped XXXX points. I pay my credit card balances in full every month and I do not have any late payments that are undisputed. In addition, they are allowing a creditor to continue to " update '' information that is 15 years old. I have made XXXX calls and spoke with a manager " XXXX '' who all provided me with inconsistent and unverified information. I am exhausted with the run around, the responses I receive from Experian are. '' We do n't know '', " Probably '', " Contact the lender '', " It will take 30 days for a response '' I am in need of assistance from a governing agency above and beyond Experian and again I want a complete review into the very suspicious dramatic decline of my credit score upon cancellation of my subscription service. That is key information and I am willing to contact local media to investigate this company. In addition, it is my concern that this action is discriminatory. PLEASE contact me ASAP, I have been caught in this cycle for over a year and I have pending important matters that I need to take care of that involve my credit. Time is of the essence, I need to bring attention to and STOP this FRAUDULENT behavior.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Citi Mortgage is not reporting payments to credit bureaus. And I have spoken with them on several occasions in an attempt to remedy this issue

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: BANK OF THE WEST
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We have had a loan with bank of the west for many months sending payments to the same address which is the only address that my bank had for the online bill pay for as well as what bank of the west had on our payment booklet. For many months my bank took out the money from my checking account and sent it to the bank of the west. Bank of the west processed every payment until it came to my XX/XX/XXXX Payment when they decided they would no longer accept payments at that address. Without informing us at any point that it was not going to be accepted nor that the payments we had sent for XX/XX/XXXX and XX/XX/XXXX would not be accepted. It was n't until my bank notified me that the XX/XX/XXXX Payment had not been cashed for over 30 days. We contacted the bank of the west who were rude and disrespectful. They informed us to cancel the payment we forwarded to them and to send it a different way. So we wired them the money since we has no time without it effecting our credit. They received the payment and only weeks after processing the payment informed us they were charging a late fee. Due to the lack of communication on their end it is coating us both finically and mentality. Their lack of customer service and support has caused miscommunication and effected our credit at fault of their policy. We have asked several times to speak to someone in charge and have only been sent in circles being told no management is working at any time we call. We have asked them to listen to our situation and we are pushed aside like we are irresponsible borrowers. We have lived up to our end of the deal with bank of the west but with their unfair and decptive practices they have not lived up to treating us fairly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On XX/XX/XXXX, XXXX XXXX contacted XXXX to pay the remaining balance on my XXXX XXXX XXXX XXXX XXXX card when we refinanced our home. I did not receive ANY online or mailed statements for the next two months. I assumed that my account had been settled and paid in full. On XX/XX/XXXX I received an email and a robocall call notifying me that my payment was overdue. I immediately called XXXX, and the customer service representative told me that there were some interest charges from XX/XX/XXXX and XXXX late fees. I let her know that I did not receive ANY notification about the late charges and agreed to pay the remaining interest. She stated that XXXX could waive up to XXXX late fees. I assumed from our conversation that this issue was resolved. On XXXX XXXX I received another email and robocall claiming a payment was overdue. I called and asked for an account manager since a customer service agent did n't resolve the issue last time. The account XXXX claimed that I had requested " paperless statements, '' but I let him know that I did NOT request this, and the only notifications I did receive were emails and robocalls in XX/XX/XXXX and XXXX about my payment being overdue, NOT a billing statement. He agreed to waive the XXXX late fees ( listed as " REFUND LATE FEE '' and " COURTESY REFUND '' on copy of account summary statement for billing period XX/XX/XXXX-XX/XX/XXXX ), and I decided to close my account immediately due to XXXX 's failure to communicate properly with me about my outstanding balance and false claims about the type of notification I wanted to receive.

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 2015-08-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I was in contract with XXXX in XX/XX/XXXX. Their report is the most accurate. Currently, XX/XX/XXXX when purchasing Experian {$39.00} credit report I discovered the following : 1 ) Experian 's reporting misinformation of XXXX current late payments. I do not have any late payments. 2 ) In addition has duplicate creditors reporting the same debts. 3 ). And restarting the date of debt as of XX/XX/XXXX, that was previously deleted or resolved and due to fall off the report in XX/XX/XXXX. XXXX XXXX XXXX is an example. 
Secondly to print an Experian credit report the consumer has to download Adobe software. A XXXX that links to the consumers computer. The Adobe software is an internet download, which we all know is risky. In addition, Adobe is upselling product with a very confusing format. The process predigests consumers who do not wish to install an internet product and who do not have the most updated computers that are compatible with this function. I own a XX/XX/XXXX XXXX and still was unable to print the report ( even with the download ). After several calls to customer service it 's unresolved. Please contact me for the member id number as I want to submit a copy of the report for your review.

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