BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX and I am submitting this complaint without error or influence of any third agency. Please see my attached documentation as it contains my request.

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 2020-08-04
Company: Avantus, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted numerous amounts of request to get an incorrect credit report corrected for months which have affected reapplying for a mortgage and have caused me to almost live in poverty due to mortgage error which refuses to rectify and repair the credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I was out of work for over a year and a half starting back in XXXX of XXXX. Ive been back working a little over XXXX months now. But during this hardship I faced I have not been able to keep up with my monthly payments. Unfortunately I missed XXXX payments on my account dating back to XX/XX/XXXX and more recently in XX/XX/XXXX which has dropped my credit score significantly. l have called asking for help to remove those XXXX 30 day derogatory marks off my credit report in turn supplying good faith that I will not miss another payment moving forward. But they cant help me in that aspect Ive been told repeatedly though they did remove some of my interest amount off my account which was very kind of them in that regard. This pandemic has beaten me down financially I have no savings at this point Im trying my best to correct my financial status and my credit is vital in that aspect. I would really appreciate some help with this issue. My payments have always been on time besides these XXXX unfortunate events. Ive still remained a loyal customer to this retailer despite all that has occurred.

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 2016-08-02
Company: D2 Management LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Received a call at XXXX on XXXX XXXX, XXXX. After they verified i was the right person they then begun to dun me about a XXXX Mississippi hospital bill with a balance of XXXX. I asked when the service date was and was informed it was XXXX. Really XXXX I told the collector that the bill was not only out of statue of 7 years but 17 years old. I was then informed that I would pay voluntary or they would sue me. Really i asked i then stated to the collector the same information back. I then asked if that is an account they would sue and was assured it was. I then let the collector that I had been in collections for 30 years the last 15 in a collection law firm and I would be contacting the CFPB on his violations.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: ACS Education Services
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: Investigation took more than 30 days

Complaint:
I had a private loan ( Amount {$3500.00} ) with ACS which I got when I started school at University XXXX Arizona ( opened XXXX ). After graduation, a couple things happened. XXXX the Government switched student loan servicers to XXXX XXXX XXXX. I moved out to New York for a job. 
During this time, I never received any notification about this loan being outstanding. I was finally contacted and notified about this loan when it went over to the collection agency. Thankfully, I was able to pay off the whole amount as soon as I found out XXXX Account last active XXXX ) before it went delinquent. 
But on my XXXX XXXX, the report shows XXXX instance of the payment being XXXX days late and XXXX instances of it being XXXX days late. This is inaccurate. It should say XXXX instance of it being XXXX days late. It is not that I had XXXX loans that were XXXX late. It was that XXXX student loan ( which changed servicers ) that was late for more than XXXX days. 
I contacted ACS couple times and they say they can not do anything about the information since the payment was late. I told them that I am not asking them to remove the late payment mark ; I am asking them to show the correct information. My XXXX XXXX is XXXX and I have never had a late payment other than this student loan. Showing XXXX instances of me being XXXX late on a loan has caused trouble for my family and I in terms of housing and transportation ( car ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: PNC Bank N.A.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
XXXX XXXX of PNC Bank called me in XXXX and said that my line of credit would not be renewed this year. I 've had this line of credit for over 20 years and have always paid off. When I asked him why the would not renew it he said corporate decision. This line of credit is essential to run my business. I asked for a written statement stating why this line of credit was cancelled and got no response. 
HIs contact info XXXX XXXX XXXX Vice President Asset Resolution Team ( XXXX ) XXXX Phone ( XXXX ) XXXX Fax XXXXXXXXXXXX PNC Bank XXXX XXXX XXXX XXXX, PA XXXX Mail Stop XXXX My company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Experian Information Solutions Inc.
State: FL
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:
This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  # XXXX has violated my rights XXXXXXXX XXXX # XXXX has violated my rights XXXX  XXXX bankruptcy discharged has violated my rights XXXX XXXX  XXXX has violated my rights XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Sections 602 A States I have the rights to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have never receive any form of communication or notice of debt from this debt collector. I only realize after pulling a full credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Since XX/XX/2015 I have been in dispute of fraudulent accounts that have been opened in my name. I contacted all three credit bureaus and notified them of my situation. They requested for me to file a police report and send them my identity theft report, both of which I have done. XXXX and XXXX have since removed the accounts from my credit report but Equifax has refused to remove them. I have called Equifax about XXXX times in the last three months and have spoken to many different departments in hopes of getting these fraudulent accounts removed. I have been trying to join the U.S mil-tary since XX/XX/XXXX and have not been eligible due to my credit report have theses fraudulent accounts. I have explained the urgency of my situation to Equifax but they give me the run arounds and keep asking me to send them the save documents I have already sent over 6 times both by certified mailing, fax, and on their website. I have filed a smalls claims against Equifax with a court hearing scheduled on XX/XX/2015 because they are causing me damages and defamation due to their refusal to remove the fraudulent accounts. 

I ask your agency to please assist in contacting Equifax about how they have been handling my investigation and having them due their due diligence properly. At this point, I am missing out on loss income due to not being able to enlist in the military. Please help me as I only want to have these accounts removed from my file. I will be attaching the last documents I have sent to Equifax legal in regards to my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-30
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I had a Heloc with Greentree. That loan was paid off in XXXX of 2010 when I financed my home. I am the process of refinancing again and in the process found a lien on the property. There was never a release filed after the closing by Greentree. I have made many calls, as well as the closing attorney, handling my refinance, to Greentree attempting to get a release since the beginning of XXXX and still have not received a release. As I understand it that release notification was to be done within 2 months of the payoff of the loan and here it is 4.5 years later and nothing has been done and I am getting no satisfaction from Greentree. I have talked to many people at Greentree and I never get a straight answer from them. I asked for them to email or fax a copy of the release and they tell me they ca n't because it is in the documents dept and they take 30-45 days to process. So here we are past that time frame and still nothing has been done. This is the most unprofessional organization I have ever dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XX/XX/2014, I have attempted to get my annual credit report from Equifax. 
On their request form it asks for information about a mortgage and a recent auto loan, neither of which I have. It then tells me to send in a copy of my S.S. Card and my drivers license and a copy of my lease. Basically, my entire life information. 
Then I never receive anything in the mail. 
Twice I have sent information. Twice I have received nothing in the mail. 
This is HIGHLY concerning as they are apparently showing items that would indicate identity theft, yet refuse to follow the law and give me a free copy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX XXXX, starting around XX/XX/XXXX I have gained some positive balance in my PayPal account that was newly opened. The funds in totaled right now are a little over {$200.00} us dollar. Today is Sunday XX/XX/XXXX I have been constantly on the phone with PayPal getting the run around getting different answers from every different rep I have spoken to. They made it impossible to transfer my funds into my bank account or even to link my PayPal as a payment method with the exception of a few XXXX orders that worked maybe two times out of 15 attempts. The common answer I get is please wait XXXX hours and let the system refresh and try again. After trying every last option on PayPal and getting nowhere today XX/XX/XXXX I get a email from PayPal saying I can no longer do business with PayPal. This is a ongoing problem and there's tons of people PayPal is doing this too and illegally taking there money. Someone really needs to look into this company how is PayPal a bank where consumers keep there hard earned money in. And then there is no one at PayPal that can fix the problem to access my own money. My family and I now are stuck going hungry and don't have any gas to make it to our jobs and now are stuck with nothing because now PayPal says there going to hold my funds for 180 days and from what I'm reading on case files and reviews online after the 180 days they still keep your funds. Please please im begging someone to look into this company this is not a bank at all this is racketeering and they need to be held accountable. There is plenty more people out here suffering from the hands of PayPal that aren't aware of or don't have the means to try and seek legal help. Please make a change. Look into this fraud of a company and I promise it will definitely lead a long trail of hopefully stopping people of a world of hurt and suffering. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-21
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I indicated a wire transfer through Wells Fargo for my purchases over in XXXX. The XXXX Bank decided not to fund my vendor the approperit amount resulting in losing my purchased items and not getting my money back. I called Wells Fargo and I asked to cancel the wire transfer, and they told me OK! I keep calling Wells Fargo daily to check on the status of my money. I called once, and they promised me that the fund will be on a Wednesday. I checked my account on Wednesday, and the fund was not there. 

I called again and I started to record the calls, they told me that within 1-2 hours the fund should be in the account. I checked at the end of the day, and the money was not refunded. I do not know why would they lie to me?

I called again 2 times, recorded, and they have informed me that the investigation at Wells Fargo is working on the case. So, at this point, I do not know who to believe. They lie to me thinking that I am just a child. The amount is not low to forget it and move on. Its a large sum of Cash that I am trying to build my trading career and these entities are trying to steal it from me. 


Please consider the request.

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 2015-05-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am disturbed, this is very appalling, something that never went through the system, and that you continue to list the Current Disposition Dismissed/Closed CHXXXX as confirmed within my credit file.This is very damaging to my XXXX grandkids, my family, and is very detrimental. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. The other XXXX agencies have already deleted this data when 7 years was done. I suffered enough because I never finished this proceeding out filing chapter XXXX. Also there is no signatures. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I reviewed my Equifax Credit Report and observed that Equifax is reflecting XXXX late payments on my XXXX XXXX car loan ( XXXX and XXXX XXXX ). I contacted XXXX XXXX and they confirmed that I do n't have any missed payment 's and that my account was in good standing until my account was paid in full on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received from Wells Fargo many letters offering to refinance my mortgage loan. I called and started the process, sent all the documentation required, and finally they denied the loan for " XXXX ''. I then sent an email to a XXXX complaining ( XXXX ) eleven days ago, and it has been ignored. No response from any XXXX or anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2021 I notified the credit bureaus that there are some account reporting on my credit report that were the result of someone using my information to open up accounts. The credit bureau 's have removed some fraudulent accounts from my credit report however when I pulled a new credit report and I noticed that the accounts re-appeared. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the items back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague and so they can complete an investigation which may unfortunately lead to an arrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have continuously disputed an incorrect address that is listed on my credit report and Equifax insist on leaving the address and states it belongs to me. I have never lived at that address listed, it 's in a different state. This has caused numerous accounts that do n't belong to me to show up on my credit file. They are the only credit agency that I have had this problem with. It started back in 2010 that I know of and it 's not in a result of Identity theft. The accounts that I have disputed to be removed from my Equifax credit file do n't have a SSN listed so they seem to be matching the first and last name and DOB. The other person they get me mixed up with I found out has a different middle name and lives in a different state.

Company response to consumer: Closed with non-monetary relief