BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: LA
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:
XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Accounts are inconsistent inaccurate and inviolation of FCRA XXXX Subchapter 3. 
Information remains inaccurate & inconsistent thru 3 bureaus credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: RentDebt Automated Collections, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Block, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Square have held my funds for a period of 90 days until today XXXX XX/XX/2023, further to this due to " Bank Security '' they are now stating my funds are held for a further 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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 Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX I XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.

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 2023-06-21
Company: Nelnet, Inc.
State: GA
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:
I am writing to formally dispute a late payment that is still being reported on my credit report for my student loan account. The late payment in question occurred over 5 years ago, and I believe it is necessary to address its reporting status due to recent developments regarding student loan debt. 

To provide context, I want to highlight that the student loan account in question has been deferred and I have never had any other late payments. Despite the deferred status, the credit report continues to reflect the late payment from over 5 years ago. However, I want to bring to your attention that there are ongoing discussions and movements in the United States government to address the issue of student loan debt and potentially remove it from individuals ' credit reports. There has already been motion for the debt be removed from government workers. 

The inclusion of this late payment from several years ago significantly impacts my credit history and may limit my financial opportunities. It is crucial to consider the evolving landscape surrounding student loan debt and the potential implications it may have on the reporting of such information. 

In light of these circumstances, I kindly request your assistance in investigating this matter thoroughly and reassessing the reporting of the late payment on my credit report. I believe it is unjust to continue reporting this late payment, given the passage of time and the potential changes that may be implemented regarding student loan debt reporting. 

Please take into account the following points : The late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain a responsible payment record. 
The account is currently deferred, as indicated by the documentation I have provided, and is not in an active repayment status. 
The current environment surrounding student loan debt calls for a reevaluation of reporting practices, as there is growing momentum to address the burden of student loans and potentially remove them from credit reports. 
I kindly request that you review this matter with consideration for the points mentioned above. I believe it is essential to rectify the reporting of this late payment, especially in light of the potential changes to student loan debt reporting that are being discussed. 

Please provide me with a written confirmation once the investigation is complete, and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this dispute and ensuring the accuracy of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX  XXXX Balance Owed : {$680.00}

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 explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-06-22
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX i WAS GOING TO PAY A COMPANY THAT WORKED ON MY HOUSE IN South Carolina. The company that I was going to pay name was XXXX and it is owned by XXXX XXXX who has and account with Pay Pal. When I sent it Pay Pal sent it to another company which is also called. I immediately called Pay Pal and told them and put in a dispute about this transaction. The amount is XXXX dollars. Pay Pal wrote me and said they could not do anything about it. I have tried contacting the company that they sent the money to by email because that's all the information I can get from PayPal. The email address is XXXX XXXX I have reached out twice and get no reply. I told the company about the mistake and have ask them to reply but they don't. I have since paid the man that did the work at my home at XXXX XXXX XXXX XXXX, SC and have a receipt for the work. I notice on PayPal it says why i was paying this amount so I know the company can look back and see the have never done any work at that address. I hope that we can get to the bottom of this and I can get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-16
Company: Radius Global Solutions LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was a bill from XXXX XXXX XXXX that I didnt have service for. Ive disputed multiple times but they keep selling my debt to other agencies

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 2022-12-29
Company: EQUIFAX, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: GOLDMAN SACHS BANK USA
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:
As of XX/XX/XXXX credit bureas and company said that have done an investigation but that can't be correct if I haven't gave any written permission APPLE CARD/GS BANK USA XXXX XXXX NEGATIVE MONTHS Credit usage 100 % Balance {$5200.00} Balance updated XX/XX/XXXX Credit limit {$4500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX CO - XXXX CO - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Account charged off. {$5200.00} written off. {$5200.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Past due amount {$5200.00} Highest balance {$5900.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX XXXX XXXX sold - Original creditor - Comments Account closed at credit grantor 's request Account previously in dispute - investigation complete, reported by data furnisher Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address LOCKBOX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been XXXX  days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Informative Research
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: Credit inquiries on your report that you don't recognize

Complaint:
I have had no contact ( authorized or otherwise ... no accounts and no knowledge as to who these companies are ) who are making hard inqueries on my credit that are driving down my credit score. I dispute these inquiries and request that they be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I opened a CD with BMO on XX/XX/2023. I received an email confirmation at XXXX on XX/XX/XXXX that my account had been created. I received an additional email at XXXX on XX/XX/XXXX that my opening deposit of {$100000.00} was complete. 

On XX/XX/XXXX, the funds left my XXXX XXXX Bank account. 

On XX/XX/XXXX, I contacted BMO because my account balance was showing {$0.00} with no pending deposits. On this occasion, I was told that they could see the money in the account, and it would post overnight. 

On XX/XX/XXXX, I contacted BMO again because my account balance was still {$0.00} with no pending deposits. On this occasion, I was told that BMO had placed a freeze on my account because of a funding error. They asked me to contact XXXX XXXX to verify the funds. I contacted XXXX XXXX, who insisted that the funds successfully left my account, which was clear through my mobile banking app. I contacted BMO and was told that the hold had been lifted and the account would be funded by the next morning. 

On XX/XX/XXXX, I contacted BMO again because my account balance was still {$0.00} with no pending deposits. On this occasion, I was told that BMO never received the funds because XXXX XXXX ( and or XXXX ) had placed a hold on the funds. I verified this was inaccurate with XXXX XXXX while still on the phone with BMO. XXXX XXXX insisted that I needed to verify my identity. I had a notary public sign a form that verified my identity and uploaded it to BMOs secure portal. They told me that this would release the hold on their end, but that XXXX XXXX was still holding the funds. I received an official form from XXXX XXXX documenting that they had officially transferred the funds on XX/XX/XXXX. I was then placed on hold for over 2 hours while BMO contacted the fraud department. That is the most up to date information. 

This remains unresolved.

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 2023-06-15
Company: ADP Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I received a email saying, ADP is conducting a survey to better understand your business needs and practices, your experience selecting Roll by ADP and your satisfaction with it. Your honest feedback is important to help us in our effort to continuously innovate. 

The survey should take you about 15 minutes to complete. Please be assured that your responses will be aggregated with all others and will be used for research purposes only. You will receive no follow-ups. 

In appreciation of your time and completing this survey, you will receive a {$200.00} electronic XXXX gift card. 

To participate in this short survey, please click on the SURVEY link below. 

Click Here to Start the Survey The survey will be open until XXXX XXXX  XXXX, Friday, XX/XX/2023. 

Thank you in advance for your participation and valuable feedback. 

Best regards, ADP Market Insights Once I completed the survey I reached out to their customer service team : XXXX XXXX XXXX XXXX, 2023 XXXX XXXX  When did you complete the survey? It is a manual process to assign the payment to you so i can create a case with our team You XXXX XXXX, 2023 XXXXXXXX XXXX On XX/XX/XXXX XXXX XXXX XX/XX/ 2023 XXXXXXXX XXXX Okay, Since it takes time to process I will let our team know as it can take some time to process You XXXX XXXX, 2023 XXXXXXXX XXXX Okay do you know how long the process time might be? Also is there a difference between the ADP 1-800 number and a chat agent? 

You XX/XX/2023 XXXX XXXX Because when I called the 1-800 number and gave her my EIN she couldnt find my payroll account XXXX XXXX XXXX XXXX, 2023 XXXX XXXX Roll only offers chat based support for existing clients. The other number you see on our website is for our sales team to assist with clients who are onboarding or interested in signing up XXXX XXXX XXXX, 2023 XXXX XXXX Okay thank you! How long is the process time for the survey? 

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX Unfortunately I do not however i sent an email to our team that handles them and as soon as they respond I can send an email your way! 

You XXXX XXXX, 2023 XXXXXXXX XXXX Okay thank you, Have A Great Morning You XX/XX/2023 XXXXXXXX XXXX Ill check back in by the end of the week XXXX XXXX XXXX XXXX, 2023 XXXXXXXX XXXX You do the same. Once they respond you can expect an email from us! 

Once I purchased something on XXXX with this gift card I was locked out the account the password was changed and XXXX was told that ADP Payroll disputed this charge with their bank. XXXX refuses to allow me to access to this account or provide proper documentation to resolve this issue. Each Phone call and chat request was Recorded Via Voice Memo and screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: DISCOVER BANK
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'm I was getting charged for certain things that are not authorize without my knowledge. 

I'm getting charged for credit cards that are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: MA
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Experian, nothing has changed! So once again, I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... DELETE this item that caused me so much stress. 

XXXX XXXX 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 2023-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I have unauthorized credit checks that have been reported on my account without my knowledge or consent of running an inquiry, I believe I have been a victim of identity theft. 

Capital one with finance ( XXXX ) Capital one Bank ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) I did not authorize or give permission for this credit pull for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
This defaulted loan is being used off and on to affect credit score even though nothing has changed in 25 years but it is too old to be used for credit score every time the lender tturns it in every few years it effects my score it says it was opened XXXX of XXXX which is a lie it was opened in the 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 non-monetary relief