BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I have contacted Experian and XXXX both multiple times disputing fraudulent activity on my credit report from the University XXXX XXXX. This supposed agency claims I attended thier university back in XXXX, I was enrolled with XXXX University at the time they claim I owe them money. I have contacted University of XXXX numerous times about thier fraudulent reporting, I also contacted XX/XX/XXXX and XXXX with this information and sent Experian and XXXX both copies of the report. XXXX bureaus removed the fraudulent report and then placed it back for collections in XXXX. I dispute this account every 5-6 months and the credit bureau comes back and claims the charges are legitimate. I have asked for proof of my enrollment, this University has no signatures or proof I attended classes there, I was enrolled at XXXX University in XXXX PA at the time they claim I was enrolled. I have asked for proof as to who has provided thier legitimate proof but the credit bureau can not provide the information all they say is I have to contact the University XXXX XXXX for the information. Based on the lack to provide legitimate documentation as to who continues to keep reporting this information under XXXX XXXX XXXX Laws they either have to provide this information or remove it from my reports they have no signatures as to who is reporting this information all they continue to tell me is that it was verified as being ligitimate through investigations, okay, who did this investigation and who sent the information to the credit bureaus? These XXXX credit bureaus are ruining my credit. I have had multiple issues with Experian erasing my entire credit and placing my ex-spouses social security number on my report and changing my birthdate to my youngest son 's birthday so as to whenever I go to apply for credit it shows I am applying under false pretenses. I did speak to a supervisor about the issue and had my credit restored but once again, the University XXXX XXXX was back on my report. I have tried to refinance my home and get financing for a business through multiple agencies but have been rejected do to my credit scores and the fraudulent reports filed. I want my credit restored and the fraudulent accounts removed from my credit bureau reports and I want them to block anyone from changing the report in any manner either by a credit freeze or a block to keep these scam artists out of my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent out letters to experian XXXX to delet the accounts that is inaccurate they Experian sent XXXX letters regarding the accounts also updated copy of the reprorts never sent. Letters sent to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Experian will not remove persistent dispute remarks on my EXPERIAN credit report, They are holding my credit hostage, I am applyling for an home loan. I have 5 days for the bank to underwrite my loan. I can not get a home loan with persistent dispute remarks. They will not approve my loan with these remarks on my credit. I disputed these accounts over 30 days ago and received an email from Experian showing that my dispute was complete. their way of handing customer service issues is wrong. They are showing MY XXXX XXXX funding accounts starting in # XXXX and # XXXX PENDING until XX/XX/2016. That date is way past 30 days and yet, Experian claimed that my dispute was complete on XX/XX/2016.THis is a confusing and very misleading way of communication in the investigation results. I have exhausted myself XXXX with Experian trying to remove these remarks. From the initial date of my dispute to now it has caused me XXXX..My work performance has been affected as well as my home life. Experian refuses to remove these dispute remarks on XXXX of my XXXX accounts as well as my XXXX account, # XXXX and XXXX account # XXXX these all have dispute remarks. Experian is holding my credit XXXX by persistent dispute remarks on these accounts. They are holing me hostage to these remarks by not allowing me to get a home loan. I have been informed by my Mortgage, company that they can not underwrite loans that have dispute remarks. I have requested that they remove these persistent remarks and Experian refuses, XXXX and XXXX did so in 24-48 hours for me. This is so frustrating and taxing on my life and family. MY mortgage company said I may loose my down payment on a home. They are preventing my underwriter to take the next step. Once again, it is my XXXX accounts I mentioned, I need these persistent remarks removed that are past 30 day from first initial dispute. PLEASE HELP have these removed as soon as possible.MY credit and home life is being held hostage to these remarks.

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 2016-01-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
there are XXXX debt that are not inmy name that are reporting on my credit. im trying to buy a home wiithin the next 30 days this should not be on my account in im reaching out for help to have it removed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian continues to negate the facts of FCRA laws. I have asked countless times for inaccurate information on my credit file be investigated and shown proof per FCRA how they verified said account information. Simply telling a consumer that an account is verified does not show me how they came to this conclusion. Per the FCRA I want to be given the proof that I 've requested. The credit report I received does not show me anything but the words " verified, '' which is not what I asked for.

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 2016-09-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the collection agency refuses to validate this debt. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Account : XXXX XXXX # XXXX {$2000.00} Thank you for reviewing this and getting these items off my report immediately. 

XXXX XXXX XX/XX/XXXX SSN : 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 2017-02-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a several complaints towards this company but this is the newest. I spoke with a " relationship manager '' at Select Portfolio Servicing. As instructed by the correspondence I received almost EVERY day and set up several monthly payments. I just received a check with a letter stating they wo n't accept a partial payment??? I then sent them a message to cancel the XX/XX/XXXX payment since they 're just going to return it. That was yesterday. Today the payment is attempting to come out of my bank account?? I do n't get it. It 's like one hand does n't know what the other is doing. I am also enclosing the fees they 've charged for supposed " home inspections, '' which I 've never witnessed anyone doing, only that a card was left on my door. This company does n't want to help at all! I 'm attaching one of the letters that have the so=called inspection fees. Why is there so many inspections? I 'm told it 's to make sure the house is occupied. The fact that we live here has NEVER been in dispute and has been confirmed many times with Select Portfolio so fees are wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: VA
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:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

This is the SECOND time you have requested authorization that I have already given! Please investigate my disputes and respond to them via US MAIL asap!! 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Rent Recovery Solutions
State: TX
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:
XXXX reported an account # XXXX Rent Recovery Solutions. I have provided court documents that show I do not owe anything. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: Risecredit, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early 2019 I was a victim of ongoing identity theft in which unknown individuals or individual obtained my personal information and my bank information. With this information they obtained multiple online personal loans and took the funds from my bank account as well. Each time I resolve the issue with one " Debt Purchaser '' they sell the debt to another party. This has been ongoing through disputes since 2019 and I am now taking legal action as well against the original lender and the collection/Debt Purchaser that now owns the debt to have the debt quit being sold to the next buyer after I prove its not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Am a victim of identity theft which took place in 2011. During the incident my identity was used without my knowledge to multiple fraudulent accounts XXXX of them with XXXX. I subsequently filed complain with the creditor and also with the police disowning the credit purchases. In turn the creditor ( XXXX XXXX ) had sent to account to collection company ( XXXX ) whom I reached out to settle this matter. Upon my complain with XXXX XXXX asset i was instructed to provide copy of police report to settle this account which i subsequently provided and the account was removed from collection and marked as settled. 
Lately, i have been receiving harassing collection calls from XXXX who have gone ahead and reopened the account for collection despite sending me letter as proof of settlement confirmation ( see attached ). Recently I faxed the settlement letter to XXXX to take action, but so far action has been taken. 
I would like to put and an end to this ongoing harassment from XXXX XXXX XXXX. And also have them remove/delete the {$750.00} debt from my credit report which is currently showing as delinquent and hurting my credit rating. 

Any assistance accorded from you would greatly be appreciated. Please find the attached filed police report in reference to the account and also settlement letter sent by portfolio as settlemement proof for no further collection action.

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 2017-01-04
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Could not obtain free credit report from Experian using the annualcreditreport.com site because when Experian 's turn came their web site reported some error and gave a postal address to use to request a report. I visited Experian 's site ( to find a way to complain ) and saw an offer for my report and my credit score for {$1.00}, and agreed to the {$1.00} cost, rather than go into the hassle of ordering a report by postal mail. They charged my card {$1.00} on XX/XX/2016 and I received a score and was able to download my credit report. On XX/XX/2016 my card was charged {$21.00}. I immediately called Experian to request a refund. They informed me I had signed up for a recurring charge and no refund would be given. I insisted and asked to speak to the representative 's supervisor. After a brief wait another person came on the line and said no refund be given. I told her I would look for a way to report this and considered it a fraud and a scam, and that I never knowingly signed up for any recurring charge. She basically said " go ahead ''. She insisted the site showed a notice that I would be signing up but I insisted that web servers sometimes have errors or have pages in the process of being modified and that I did not get any such notice. She again refused any refund. Of course I cancelled the recurring charge but it just was not worth the life stress that would be caused by pursuing the {$21.00} already charged ( not knowing I could report it here ). Also I actually fear these credit reporting companies, which hold so much power over our credit, and I did not want to take the risk that someone at Experian might retaliate in some way. But today I saw a news report that seemed to indicate others had this same problem and the company had agreed to refund customers charged in the scam. I would like to add my claim to the list to be refunded.

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 monetary relief
Consumer complaint received 2016-10-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
I am a Costco Executive member. They offer a credit card thru XXXX. I had XXXX but Costco Switched mid year to CitiBank visa XXXX/XXXX/16. On XXXX/XXXX/16 I checked my account and it was locked, and it told me to contact Citi regarding fraudulent charges. There was a fraud charge in XXXX, AZ at a XXXX. I told them to close the account. Citibank refuses to pay me my cash rewards from XXXX/Citi that I accrued, their reason is because I closed my account. THIS IS THEFT!!!! MY REWARDS WERE MOSTLY FROM XXXX PURCHASES ( PRIOR TO XXXX/XXXX/16 ). CITI IS NOT ENTITLED TO MY REWARDS CASH. THEY ARE STEALING FROM EVERY PERSON THAT CLOSES THEIR 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 monetary relief
Consumer complaint received 2016-11-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I took out a loan from Ace cash express around XXXX of XXXX. I received a phone call around XXXX of XXXX stating that they will take legal action if I did n't pay so I set up a payment arrangement asap for XXXX . On that Friday that I set the payment arrangement to come out I received another phone call from another collection agencies stating that I was paying the wrong people and got called a liar and stupid and they hung up in my face. I called ace cash to see who had my case which they told me that the collection agency that called me a liar was the right agency to pay. so I was freaking out because I gave my account information to the wrong people I called them back to cancel the payment arrangement but they insisted that I was paying the right people. they had all my information where I lived my job and my social security number so at this point I did n't pay anyone and I do n't know what to do because im XXXX and scared. they told me that they will get everything straighten out and give me a call but I never received one

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a Nissan in XXXX and traded it in XXXX XXXX, 2 months before when my lease had ended. The dealership paid off the lease in full on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a woman contacted my nephew and wanted my phone number and said that I needed to fill out paper work from Nissan. I contacted the woman immediately and informed her that I traded car in XXXX and car lease was paid in full. She said that I have n't paid payments on the car and she will let her supervisor now that I no longer had car and she will call me back. I checked my credit report in XXXX XXXX and discovered that the company had my credit lowered stating that I was 3 months behind on payments. I contacted the car company and I was informed that the car is missing and I am liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
I received a check from key bank I tried to cash the check they are saying the check is no good I also took it to a bank and called key bank so many times they are not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-07
Company: General Motors Financial Company, Inc.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was in a chapter XXXX in XX/XX/XXXX and dischaged after XXXX years ; my car was part of this bankruptcy. Since its been discharged, my car was hit by a drnk driver. The insurance company deemed it was a total loss. I have not received my pink slip since this was discharged. The insurance company has been holding on to a {$5000.00} check for my cars damages because I do n't have the pink slip to release to them. I tried getting a replacement pink slip from the DMV, but they say there 's a lein on the car. I was advised to contact XXXX ( dept of banking and insurance thru NJ ) to find out the information from the original creditor ( AmeriCredit ). According to XXXX, the company is still active, but no contact information available, meaning no phone number, but bonded until XX/XX/XXXX. I 'm not sure what the gentleman meant by that, but I need serious help, please. He also specify to file some kind ofclaim n court to get the company to remkve the lein, but I 'm clueless as to what 's going on. How does a company loose a title to a car?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: High Point Asset Inc
State: MI
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Many years ago I had a payday loan online, it was paid many years ago ( four or five years ago ) and a company claiming to be collecting a debt has been calling my phone, and my family 's phone relentlessly. When I picked up, I informed the person calling that I had no unresolved or outstanding debts yet they continue to call me and my family. When I researched the number that was calling there were many webpages stating that this was a phishing scam, in which companies take your social security number from old aggregate/loan sites and claim you owe money that they can extort by making all of these awful phone calls. I have contacted the XXXX, the federal trade commission, the attorney general of my state and now the cfpb. I will continue filing complaints until the receive the proper cease and assist and follow up with legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
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:
-Hello I keep disputing with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: General Motors Financial Company, Inc.
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
declared bankruptzy XX/XX/2019 cace XXXX united states bankruptzy court district of montana. this loan with gm financial was discharged, their is a XXXX balance on the loan, and i am requesting a loan release

Company response to consumer: Closed with explanation