BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: OH
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:
I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is beings own is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX, XXXX # # # # # # XXXX. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX AND XXXX XXXX, XXXX, OH XXXX and XXXX XXXX XXXX, XXXX, OH XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX.Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: DISCOVER BANK
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: Their investigation did not fix an error on your report

Complaint:
In XXXX I was provided a copy of my credit reports which all 3 reflected a {$13.00} past due balance on a closed Discover Card account. This incorrect tradeline was having a significant negative impact on my credit scores and ability to purchase a new Florida residence. I immediately contacted Discover and they immediately credited my account the {$13.00} as I had paid and closed the account several months prior. However, Discover had refused to remove the late marker caused by the {$13.00} debit that was their error. A Discover credit representative suggested I dispute the issue with the credit bureaus which I have done. However, in the meantime Discover continues to allow this incorrect negative information to be be reflected on my credit reports and is impacting my ability to purchase my new Florida residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This has been my third time trying to deal with this. My identity was stolen please block and remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Earlier today I submitted a complaint against Experian and included XXXX. There is only enough space to upload so many documents. 
This complaint is against XXXX and I will include Experian but will be uploading evidence from XXXX. 
The first part of the complaint is that the Department of Education XXXX XXXX XXXX has taken one loan with ONE disbursement and divided it into two tradelines. This is not accurate. It has compounded the adverse affects of my credit rating by multiplying and exaggerating the number of accounts. Page two of their response to my Congressman admits to this deception. If they wish to use the original loans that were paid off using the consolidated loan I received from XXXX  XXXX XXXX and sold to the Department of XXXX  XXXX XXXX XXXX they should be forced to use the original loan dates making it too old to remain on my credit file. 

Paid collections are removed after 5yrs from first delinquency. The first delinquency with the newest account information is XX/XX/XXXX. This means the account is due to be removed in a couple weeks. 
I was told by XXXX today that the account was not closed even though it shows more than 180days late. Standard practice is to close account and sell to collections at the 180day late mark which is what they did. It was sold to The department of education XXXX  XXXX XXXX in XXXX. The department of education XXXX XXXX XXXX sold it to XXXX in XXXX and was sold to the law firm in XXXX. We can see this in the status comments on my file. XXXX only shows previous 24months. Screenshot submitted. But the department of education XXXX XXXX XXXX started reporting collections in XXXX. Screenshot submitted. Do not confuse reported collections with first delinquency. 

The address given to contact about the reported tradeline does not belong to the Department of Education XXXX XXXX XXXX it belongs to XXXX XXXX XXXX A COLLECTION AGENCY! Screenshot submitted.

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 2021-03-19
Company: PLAZA HOME MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filled CFPB Complaint Number XXXX and I believe it was closed without a clear resolution to the false statements made by Plaza Home Mortgage advertised and explained forbearance service, and miss leading statements made by Consumer Account XXXX XXXX XXXX. 

The company stated " Pursuant to your correspondence, we requested our Credit Reporting Team to review the account for any delinquent credit reporting during the forbearance period effective XX/XX/XXXX through now.. We have been informed that the account was reported as current for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX with a special comment indicating the account was in forbearance. Further, we suppressed the credit reporting on the account for XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX. Please note the account has not been reported as delinquent effective XXXX XXXXthrough now. '' The review action on my credit was more than just a review as review does not change your rating. This review resulted in 4 negative reports which were flagged by " XXXX '' which has clearly shown me that the company doing business at XXXX XXXX XXXXXXXX, XXXX XXXX, NJ made derogatory annotations on my credit that resulted in a major decline in my credit score. It was made clear to me before forbearance that no derogatory remarks would be reported to the credit agencies if I chose to exercise the plan. If I would have been informed that anything negative was going to be the result of my forbearance choice, I would have made a different decision. It was never disclosed to me that this would happen. I can supply copies of the derogatory entries if needed. I tried to present them here but this page is not setup to receive screen captures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TransferWise Ltd
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Hi. I received to emails today XX/XX/2021 saying I created an account with Transferwise & that I sent money. I did neither of these things and this company has no contact info so I cant get into contact with anyone. My email used is XXXX. {$620.00} dollars was sent to someone named XXXX XXXX. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
On XX/XX/XXXX  and XX/XX/XXXX  I received money from a family member that was helping me pay my rent and other bills to my Venmo account. I tried to do an instant transfer to my bank account but kept getting an error message, I then tried transferring the funds using the standard 1-3 day method. I received a confirmation email that the funds would be in my account on XX/XX/. On XX/XX/XXXX  I received an email stating that due to suspicious activity my account was temporarily suspended and to provide proof of my identity by sending a copy of my ID, a selfie holding my ID and to change my Venmo account password. Also in this email it states that once those things have been done, they would happily reinstate my account. After doing all 3 of these steps, I then get another email from Venmo stating that they received my ID and that my account has been permanently deactivated and they are holding my funds for 180 days. I then called their customer service immediately requesting an explanation as to why and got a response of " the account specialist will review your case and reach out to you via email. '' There was no valid reason given as to what user agreement was violated. I read through ALL 27 PAGES of their user agreement and found nothing that I am in violation of. I have been contacting them via chat everyday and I they just keep coping and pasting the " permanently deactivated '' email that I received. And on XX/XX/2023 I received an email that ended with " Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. '' I have done tons of research on this exact situation and Venmo is doing this to thousands of there customers! I have money frozen on there that I need to pay my bills with and if I don't get my money released me and my child will be homeless. This has had me sick to my stomach and is definitely deceptive practices and a violation of my fundamental rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 To whom it may concern, Ive already sent letters and spoke with the creditors asking them to remove these late payments with the dates as follows ( XXXX & XXXX ) and they have not abided by what I have requested. XXXX XXXX XXXX XXXX have also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
The law 15 U.S CODE 6802 B Obligations with Respect to Disclosures of Personal Information states ; except as otherwise provided in this sub chapter a financial institution may not directly or through any affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title.

I demand these two late payments removed! 
Thank you. 
XXXX Creditor : XXXX XXXX XXXX XXXX  ACCOUNT number : 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 2023-03-03
Company: Accscient, LLC
State: NC
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:
the account includes medical billing information that was billed to insurance. have disputed information on the account and am unable to dispute it. 
the account includes information on accounts that have been paid. continues to show on report.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a repossession from XXXX XXXX on all 3 credit bureaus. Ive written to the companies and advised that i was involved in the class action lawsuit they had against them for predatory lending. XXXX had agreed to remove any and all derogatory accounts pertaining to the lawsuit. Ive disputed woth all three credit bureaus and the derogatory acct. is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. I demand the following accounts be properly verified or removed immediately. 
The accounts & inquiries in question are listed below. 

Inaccurate Accounts : XXXX  XXXX Bankruptcy : XX/XX/XXXX - Dismissed XXXX  XXXX  - status derogatory XXXX XXXX - status collection/charge off XXXX XXXXXXXX XXXX XXXX XXXX derogatory Unauthorized Inquiries : XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It has been OVER 30 days & I have not received any verification. When I call, I always get someone who does not speak clear English and I am told the items have been verified. 
Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Upstart Holdings, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I sent the payoff XX/XX/23 priority mail ( XXXX ) and it was received in their office XX/XX/23 at XXXX. They are claiming it wasn't received until XX/XX/23 because you have to allow them time to process. I called everyday because I knew the payoff wouldn't be enough if it wasn't posted in a timely manner. They in fact charged me and I had to make an additional months payment on one of my loans. They admitted that using the overnight mailing address does not expedite anything and they are looking into a fix. This is an unfair practice. In addition to phone calls, there are several email communications from XX/XX/23 through today XX/XX/23. 

According to the payoff schedule provide, my payoff as of XX/XX/23 should have been {$9400.00}. The amount received was {$9300.00}, short {$29.00}. They charged me another {$350.00} on XX/XX/23 to payoff my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: EQUIFAX, 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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  USDOE/XXXX XXXXXXXX XXXX XXXX USDOEXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: WA
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 requested that Equifax delete all 22 inquiries on my credit report to be removed. I wrote a dispute letter sent certified mail and it was received on XX/XX/21. It has been over 30 days and they have not been removed. this is my second CFPB complaint I also called them on XX/XX/21 and spoke to fraud department and requested that they removed them. they stated they requested for all 22 inquiries be removed. they said it will take 3 to 4 business days to be removed and it still has not been removed. I informed them that filed complaint with FTC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Branch Messenger, Inc.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
An ATM at XXXX XXXX XXXX XXXX, XXXX, GA XXXX shorted me {$20.00}. I asked the XXXX employees to call their technician to service it. I called XXXX I called XXXX I called branch and I called evolve trust and bank. No one would help me. I filed a dispute with branch, in violation of Regulation E, they would not credit my account for the amount in question which will result in either overdrafts or bills being paid late.

Company response to consumer: Closed with explanation