BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: IN
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 reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : 1. XXXX XXXX : Account number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$370.00}. 
2. XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$9800.00}. 
3. XXXX XXXX XXXX XXXX ; Account Number xxxx ; Date Opened XX/XX/XXXX ; Highest Balance {$1100.00}. 
4. XXXX XXXX XXXX XXXXXXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$910.00}. 
5. XXXX XXXX XXXX XXXXXXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$840.00} 6. XXXX XXXX  : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$51000.00}. 
7. XXXX  : XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$720.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, and XXXX XXXX. Please delete these accounts on my credit file ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Lien Enforcement Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by Lein Enforcement Inc. regarding a debt that I was not aware of on Tuesday, XX/XX/2023. The debt they claim I owe is for overdue towing charges for a vehicle no longer in my possession. They then proceeded to name my employer my home address as well as other personal information. I explained I sold the vehicle long before it was towed and submitted a Release of liability to my DMV in California. They provided an email " XXXX '' to submit proof of the release of liability. Later that day I submitted proof and Called the next day. On Wednesday, XX/XX/2023 I called the debt collecting to inform them I submitted the proof of a release of liability. The operator then stated the information is incomplete and that I owe {$1500.00}. After I explained again that I submitted a release of liability to the operator they will talk to their supervisor regarding the situation after a short moment the operator comes back on and states their boss agreed to settle the debt for {$1300.00}. They told me I have one week until this new settlement is available, and a week has passed they stated they will garnish my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
The ITEMS stated below are still reporting on my credit report despite numerous written requests, which is against FCRA. The Bureaus continued to report the unsubstantiated & unverified information despite failing to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time frame required by law, failing to adequately examine the situation by using a third party as their verification source. I've tried to address this directly with 3 Credit Bureaus, but despite my efforts, they have been deliberately neglectful and in violation of federal law. I need this situation to be resolved right away. Please delete the following elements from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} ; XXXX  XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX  XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Experian and XXXX report incites information on my credit report. Those companies are reporting accounts that are fraud and not mine or are reporting inaccurate accounts that have been paid and closed as still open with outstanding payments and balances. They ignore or deny my disputes each time i request for fir them ro correct the inaccurate accounts. They ignored my request to freeze my credit report and put fraud alert and protection. Also their credit score reports are inaccurate or non existent nor consistent. This occurred from XX/XX/2019 to present. I have not received a credit report or score update from either credit consumer company. My identity was stolen and my information on the credit reports and accounts have been compromised. I can not access my online accounts at all. XXXX daye breach

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 2019-05-03
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
To whom it may concern looking at my credit report I noticed some errors in the reports by Experian, XXXX, and XXXX. 

1. Personal information on my report that is not minds ( Names and address ) .I live in XXXX XXXX Presently for the last 8 years. Havent live in XXXX XXXX XXXX  or XXXX XXXX XXXX. 

2.Student Loans from XXXX for XXXX dollars starting on XX/XX/16 and another one from XXXX for XXXX starting on XX/XX/16. 

3.Old information and accounts over seven years keep appearing up.

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 2023-06-28
Company: National Credit Systems,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: Account information incorrect

Complaint:
There is an account on my credit report from National Credit Systems in the amount of {$830.00} dollars. It says it is from an apartment that I used to live in. I have no idea why this would pop up. I paid all rent and there is no negative information on my rental report that would show a balanced owed to XXXX XXXX XXXX. Furthermore, when I moved from XXXX XXXX to my new apartment, they sent a rental verification to my new apartment. It says that all rent was paid, never late, and that I would be a candidate for another lease If I wanted. 

This is not the first dispute Ive encountered with this company. I had to be moved from one of their other properties to their XXXX XXXX property after excessive and suspicious fees left and came back into my checking account several times. Luckily I was able to handle this internally with the management company. 

I am trying to handle this issue with the management company directly. Unfortunately, they are being very unresponsive. I have gone to their website and put in my information to receive a call from them to resolve this 3 times. They have not reached out to me at all. I have also tried to call their corporate office for an explanation. They do not answer their phone it goes to a full mailbox so I can not leave a message either. I even went as far as posting my issues on their XXXX page in the hopes somebody would reach out. This was also unsuccessful. This is why I am here filling out this complaint in the hopes I will get some clarity on this issue. 

I have documentation to back all of the claims made here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: DISCOVER BANK
State: NJ
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 the companies and the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: AES/PHEAA
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: Account information incorrect

Complaint:
Fedloan servicing student loan is reporting 63 late payment on my credit report. Which is inaccurate I always pay my bill it should be 0. 
Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Experian informed me that they will not allow me to dispute personal information on their website. The online fee-based site discloses this policy and forces me to initiate this dispute via phone or letter. 

Several employees including a XXXX notified me that they will not investigate an item that is legally required to be investigated by them. ( FCRA Sect 611 ) I sent Experian a certified letter on XX/XX/2023, notifying them that they have listed inaccurate information which needs to be immediately removed. I am deeply concerned about identity theft and need this information corrected. My request for an investigation contained copies of my drivers license, social security card and a utility bill confirming my identity. I was previously informed to send this information, which XXXX Postal service has confirmed they received. 

In my letter and during my calls to Experian, I specifically asked them to remove all names, addresses, employment and phone numbers which are inaccurate. I provided them with the correct information. 

Experian has failed to conduct a reasonable independent investigation and will not update my name to reflect my full legal name, XXXX XXXX XXXX even though they have the legal documents to correct this information. They have insisted on keeping an unknown, illegal name on my credit file, with no legal basis or documents to justify this. They have placed my personal identity at risk, opening a door for scammers to use my information. 

I was informed by the dispute and fraud teams that they will not follow the FCRA XXXX, specifically, FCRA 611 ( 15 U.S.C. 1681I ) and investigate due to inaccuracy. Experian has violated the law and my rights by maintaining inaccurate personal information on my credit report, subjecting me to identity theft. 

I demand that they remove the name XXXX XXXX from my file because it is not my legal name and the documents they have support the correct legal name, 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 2017-05-08
Company: Experian Information Solutions Inc.
State: MI
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 filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help me!

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 2023-05-09
Company: EQUIFAX, INC.
State: MO
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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov 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 accounts that do not belong to me or were opened without my permission XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$3200.00}. 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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. Account Name : XXXX, XXXX Account Number # XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: MI
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 filed multiple inquiry letter with all  XXXX  credit bureaus regarding false information on my credit reports. I do not recognize various inquirires on my report and no one will do anything about it. I have been having a terrible time getting through to the bureaus regarding this issues, as well as them returning letters about not deleting information off my report way before the 30 days is up. I am extremely upset about this that no one will help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: OH
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 2021-11-23
Company: EQUIFAX, INC.
State: NV
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:
The consumer has not consented, authorized or benefited from any of the following adversely furnished data. Without written consent, this constitutes identity fraud XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and Equifax XXXX XXXX Up Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Leasing Desk Federal Government Inquiry date : XX/XX/XXXX & XX/XX/XXXX Equifax Inquiry XXXX XX/XX/XXXX and XX/XX/XXXX Radius Bank inquiry date : XX/XX/XXXX XXXX  ACCOUNT # XXXX CHARGE OFF XXXX  XXXX Acct XXXX Charge off XXXX XXXX XXXX XXXX Unvalidated Collection XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Ally Financial Late Payment XXXX XXXX XXXX XXXX XXXX non consented data

Company response to consumer: Closed with explanation