BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-24
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration and I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Account ending in # XXXX was closed w/ XXXX balance in XX/XX/XXXX with XXXX XXXX XXXX credit card . I closed my email account with XXXX and destroyed the said credit card. I received emails stating that I owed a balance on my new email account with XXXX. I tried to respond but the email from XXXX  was returned undeliverable. I finally received a bill from XXXX to my physical address om XX/XX/XXXX stating that I owed XXXX {$9.00} in overdue payment. I mailed a check for that amount that same day. Today, XX/XX/XXXX I received my dispute report from Experian Credit stating that I am overdue in payments to XXXX and the fee is now {$10.00}. This dispute could have been resolved in XX/XX/XXXX if XXXX would have sent a bill to my physical address instead of online.

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 2023-02-21
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my instructions.

15 U.S.C 166b A Creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2022-02-14
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I wrote to equifax requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that equifax reply within a reasonable amount of time. Since this is my second request, I am notifying you that I have signed receipts for letters sent to equifax and equifax have not complied with my request. I regret that I am being forced to take such action. As this is affecting my credit ratings, I want this removed immediately. Please see my reasons for dispute below : Under 15 U.S. code 1681b - Permissible purposes of consumer reports 1 ) In General Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report, No consent is Identity Theft. ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I also understand that equifax are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. So now I demand everything is removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sent a letter regarding incorrect information on my credit reports to Transunion XXXX and XXXX and still have not received an update.

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 2022-02-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, a federally protected consumer has attempted to reach out to XXXX XXXX XXXX  to receive credible information to validate and verify the alleged debt. I sent a debt validation and cease & desist on XX/XX/XXXX and have yet to receive the information requested from the company. I do not owe this alleged debt. This company has violated my consumer rights and disregarded my attempts to assess the alleged debt. I have been in contact with the credit reporting since XX/XX/XXXX and I still dont know how or where this debt has been verified. I need assistance with this matter as soon as possible because I have not been provided with answers from either XXXX XXXX XXXX  or the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, at XXXX XXXX, I clicked on an online store to purchase a softball bat from XXXX XXXX the page routed me to a spoofed online store of XXXXXXXX XXXX and the online seller even stated their location was that of XXXX  at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, MO XXXX as soon as I clicked Paypal and made sure I was covered on the transaction for {$85.00} for a softball bat. I noticed I sent my money to a personal email address that looked fishy. I tried to cancel the transaction immediately but there was no option to cancel. 

the paypal email address was XXXX for XXXX XXXX I knew at this point I was being scammed and submitted a claim to paypal. 
I open a dispute XXXX which was denied the seller uploaded a fake tracking number for USPS XXXX which showed that " A DELIVERY '' was made to XXXX but paypal could not verify the actual address. instead they denied my claim and closed the case not allowing me to dispute the transaction. 

after contacting the usps, we found out that the 'tracking " number used was for a 1oz ( much less than the size of a softball bat ) package and the shipping address was XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX THE ADDRESS this particular item was ACTUALLY delivered to was XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XX/XX/XXXX XXXX I am opening up this complaint due to the fact that paypal did not contact me to make sure I received this item and other individuals are most likely also being scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I sent a request to reinvestigate the disputed Accounts from my credit report as well as correct these Accounts from my report during the investigation period. As of this date, you have failed to respond to my request. I need you to correct the accounts listed below : XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}

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 2022-05-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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:
My credit report is showing late payments on XXXX XXXX... .. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative.

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 2022-10-06
Company: EQUIFAX, INC.
State: VA
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:
Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with XXXX and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information XXXX sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from XXXX. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to XXXX, they told me to contact XXXX as their decision to close my account was based on a letter sent from XXXX. When I reached out to XXXX, they told me to contact XXXX. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the XXXX  account is in good standing, my communication with XXXX  regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXXParamount Mortgage did a hard inquiry on my report when they told me they would only do a soft pull for my mortgage preapproval. I called and they said it should have only been a soft pull, however it has been 7 months, and it is still showing up as hard pull on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
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: Information belongs to someone else

Complaint:
XXXX DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX . I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Experian Information Solutions Inc.
State: MD
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:
There is no third party involved I attached my Id docs so you will know who I am and not say that someone else is filing this complaint on behalf of me. And so you also will not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information

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 2023-01-22
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
My financial information was shared with coworkers and trainers regarding a personal call I made to Navy Federal Credit Union inquiring about my personal account. That information was used to harras, bully, intimate, belittle and retaliate against me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-01
Company: EQUIFAX, INC.
State: GA
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 credit fair reporting act account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 states a consumer agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Affirm Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AFFIRM reported to XXXX credit report agency that I had 1 charge-off account and 2 loan accounts with late payments. When I called the company ( 5 TIMES ) to try to get statement, I was told the company did not mail any statement and that I would have to either register for an account online to get it or get it by email. 

When I asked for me to receive my statement by email, AFFIRM sent me a link to register for my account online. However, when I tried to register, AFFIRM website stated they could not verify my identity and asked me to contact customer service. This whole cycle just went back and forth but I was never provided a statement. 

Also, when I tried to register online, AFFIRM showed me my registered address was in XXXX XXXX, AK while I lived in CA. So, these loan accounts were result of identity theft and should be taken off my credit reports XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone got me information and opened up some account in my name XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXX, XXXX, In

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 2021-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On multiple occasions Kohls Credit has withdrawn 2 payments from my account when I authorized 1 payment. This is a reoccurring issue and has been occurring for well over a year. I have alerted their customer service where I was told they can not reverse the duplicate charge so starting with the duplicate charge in XX/XX/2021, I have been reporting to my bank to get the charges reversed. This is a deceptive practice where the site shows one payment as being scheduled but 2 payments are withdrawn from the account. I have no idea how wide spread this issue is but it can not be only me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Capital Mitigation Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Multiple calls to me and call to my former recruiter. XXXX XXXX from Revenue Reporting called and left a message for me on XX/XX/23 and XX/XX/23. I got a call from my ex-recruiter on XXXX saying this person had called him. I returned her call and asked her not to contact my former recruiter as he is just an employee for that company and doesnt operate in a HR or managerial capacity. That this disrupts his work day. I asked her to please mail me all information that explains exactly what she is calling about so I have it in hand. I still do not know. She goes on to say with the nastiest, condescending tone that her IP tracker knows I opened and email she sent and since I asked her to not call my former employer she would submit verification forms for something. Still unsure for what. I then hung up the phone. I felt she was threatening to use my info in some way. Considering her tone, I knew I would not get any helpful info from her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 I received notice from XXXX regarding fraudulent activity at Bank Of America in relation to my identity. I called BofA and was transferred several times to various departments. The last woman I reached confirmed an account in my name and began trying to close it. She left me on hold for 3 hours and never returned to tell me it was resolved. Today is XX/XX/2022 and I received a new notice about fraudulent activity at Bank of America. It seems BofA does not want to help me. I am not a customer with BofA but this is my identity being used at their bank. I have been on phone for 3 hours and continue to get transferred to representatives who claim they can not help me because I must speak to another dept. I have spoken to 5 people today and there seems to be no end in sight. Bank of America seems to have no idea how to resolve claims of fraudulent activity as they continue to transfer me to the same departments which are located in different cities. These are unacceptable business practices and are a prime reason why I do not use banking services at Bank of America. Based on federal law, there should be clear cut ways to investigate and scrutinize any question regarding the validity of an account or the information provided to secure that 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