BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: DC
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 is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$14000.00} : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: Paypal Holdings, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in XXXX saying I owed PAYPAL XXXX. After receiving letter, I attempted to login into my PayPal which was now locked out. I called PayPal who transferred me to a 3rd party collector XXXX XXXX XXXX XXXX. After finally getting a hold of an agent with above mentioned company I asked what the debt was for, and she had no information just the amount and asked me to pay said amount. Since then, I haven't received any other correspondence in regard to said Debt, so I called PayPal again and they transferred me to the same company which gave me the same answer. Both times there was a language barrier as the collection agency seems to be a call center at this point, I'm not sure if it's a scam or if there's an actual debt to PayPal. I have a limit on my PayPal card and have received statements for from PayPal for my credit card and no showing of this debt. and without access to PayPal, I'm not sure what the XXXX is for or how i incurred this Debt and no way to dispute the debt either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13
Company: Experian Information Solutions Inc.
State: CA
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 following companies ran unauthorized credit report on me XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX.. .. I have never given permission for them to inquire my credit status, please remove it from my Experian 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 non-monetary relief
Consumer complaint received 2023-08-25
Company: 3rd Generation, Inc.
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
When I become a day late on my payment, or even on the day of the due date, I will receive calls from the finance company that is financing my car. I am not always able to answer as I work full time in classrooms with children and I am not allowed to be on my cell phone. Sometimes I am able to step out to quickly take the call to inform them I am busy working and to please only call after XXXX, instead of agreeing they will hang up on me. If I do not answer their calls during my work hours, they will call me right back with different phone number, then send text messages and emails. They then will call my references and employer at least twice the same day. My brother asked them why they are calling him so much and the representative told my brother they were coming to repossess my car if I don't pay my balance and then gave my brother the account balance without my permission. I have received two verbal warnings from my supervisor at work that the calls are interrupting business and are inappropriate. I called this morning to request that my employer and family be taken off the call list, the representative was very rude and said he completed my request but if I don't answer when they call they will reposes my car. I asked for proof in writing that my request was submitted and was denied. I also have been requesting my due date to be changed to coincide with my paydays so that i can ensure my payment to be made on time, i got push back until XXXX i was told that i could make that change as soon as my account was up to date. In late XXXX i made my payment to get completely caught up, I called XX/XX/XXXX or XXXX to request the due date change from the XXXX of every month to the XXXX, the representative started the process over the phone with me and put me on hold to complete the request then i was hung up on. I should have called them back because they did not call me back and they never completed the request so on XX/XX/12 the harassing calls started again. I went back and forth with representatives about the mixup and told them I could not make my payment until the XXXX, they said i would be charged late fees. Today my mother was sent a text message from the finance company with a link to my account so that she can make payment that had all of my account information on it, i did not authorize that.

Company response to consumer: Untimely response
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX  Credit Card on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.

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 2023-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
I am not accepting Capital Ones answer on my complaint. That they did indeed on XX/XX/2022 do a charge back on XXXX XXXXXXXX XXXX for amount of XXXX for a cell phone plan I had purchased online threw the XXXX XXXX  website on XX/XX/2022. Capital One claimed unauthorized purchase and took back XXXX causing my cell phone to be shut off. At no time during my talks with Capital one was there any mention of declined transaction for XXXX. There was fraudulent charges for the businesses they said for XXXX dollars and XXXX dollars. Capital one stole money that didn't not belong to them. I will this time be getting all the info XXXX XXXX XXXX  has that will prove that Capital one did illegally take money and I will prove it. I've been told by 3 separate supervisor 's at XXXX XXXX that Capital one did exactly what I'm claiming they did. And Capital one knows they did it but they figure they'll keep lying about it and I'll just go away but there wrong. I want the same consequences as last complaint but now I want XXXX reimbursement for my time and all the struggles it putme threw

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have been eligible for XXXX XXXX XXXX XXXX since XX/XX/2022. Mohela and Dept of Education have not processed my application. It has been almost 6 months of waiting with no answers. Mohela stated they are unable to give me a timeframe for forgiveness due to Dept of Education dragging their feet. After serving in public service for 10 years, I have earned student loan forgiveness. I am stuck in administrative limbo and my loan servicer cant provide any information because of the Department of Education. When I call for updates, I am told to be patient and that no information can be provided regarding an actual discharge date. Something is seriously wrong with the XXXX process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: EQUIFAX, INC.
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:
I dispute these Items  US  BKPT CT NJ  XXXX  FILE DATE  XXXX  Account :  XXXX  AMOUNT  XXXX  must be remove  XXXX   XXXX . Account :  XXXX  Date  XXXX    Amount  {$500.00} must remove  XXXX . Account :  XXXX  Amount $  XXXX  I was never later DATE  XXXX   XXXX   XXXX  must be remove  XXXX   XXXX   XXXX  Account  XXXX  Date  XXXX  Amount {$1800.00}  XXXX    XXXX     XXXX  Date  XXXX  Amount {$1100.00}  XXXX  ACCOUNT  XXXX    XXXX   : ACCOUNT :  XXXX  Date  XXXX  Amount  XXXX    XXXX    : Account  XXXX  Date  XXXX  Amount  XXXX  previously with  XXXX . Equifax did not compile with the State Attorney General   Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 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. Please dont respond to my request by saying that these accounts 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.
According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, 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:
Dear Credit Bureau, I am writing to dispute a false collection account XXXX XXXX XXXX XXXX # ( XXXX ) that is currently appearing on my credit report. This account has been inaccurately reported and I am requesting that it be removed immediately. 

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires that all information appearing on a credit report be accurate and up-to-date. Furthermore, the FCRA requires that all disputes be investigated within 30 days. 

Additionally, I have been having an issue with the manner in which your collection agency has been attempting to collect the debt. Your representatives have been constantly harassing me for payment. Calling me during work hours and late at night, and I feel that I am being treated unfairly. This behavior is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that you immediately remove this collection from my credit report, as well as cease any further attempts to collect the debt. 

Please contact me within 30 days to confirm that this matter has been taken care of. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-12
Company: Guild Mortgage Company LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX ,   XXXX  , Guild Mortgage Company was the lender for my loan. At closing the sellers where charged {$1700.00} for Colorado property taxes for the year   XXXX  . The sellers by mistake received a notice to pay   XXXX   taxes, did so. 3 Months late r Guild  Mortgage sold my loan to  XXXX  Bank. The amount in my Escrow with Guild was {$1000.00} what  XXXX  bank received was {$710.00}. I have letters from  Guild  Mortgage and  XXXX  stating that taxes were paid by a unknown source. I have requested from Guild for the amount of {$1700.00} to be transferred to my escrow or account that dollar amount.   In the mean time the sellers have taken me to small claims for the amount of {$1800.00} for damages and there taxes to be returned, Which now I have to pay the plaintiffs. I have request Guild Mortgage Company on many occasions to show proof of where they have used my escrow monies and still they ca n't answer me. On  XXXX   XXXX  with the help of a  XXXX   XXXX  on a  XXXX  way call they still were unable to account to  XXXX  why my Escrow was short at the time they sold it to them. I want them to return the monies that I was charged at the time I purchased my home and I want the sellers to receive the monies due them,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
A business card that I had with American Express from a previous business was used fraudulently for a hotel stay. I disputed the charge with American Express and they accepted and applied the dispute amount to someone elses credit card and kept this card open. The fraudulent charge remained on this card without my knowledge. American Express closed by active business card without my knowledge leading to a bad credit filing. Ive been a card holding member of American Express since 1991. American Express acted negligently.

Company response to consumer: In progress
Consumer complaint received 2023-04-30
Company: LEXISNEXIS
State: WI
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:
Lexis nexis claims it gets information from XXXX however they supply information to the three bureaus. 

I want the information related to my student loans be removed from the national lexis nexis credit file department of education XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: WI
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:
XXXX XXXX XXXX XXXX DATE OF INQUIRED ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I RAN MY CREDIT REPORT IN I SAW FRAUDULENT ACTIVITY ON MY REPORT THAT I HAVE NO KNOWLEDGE OF OR I DID NOT CONSENT TO I WOULD LIKE IT ROMVED FROM MY REPORT WITHIN XXXX XXXX UNDER THE FAIR CREDIT ACT. FROM THE LOOKS OF THING SOMEONE HAS GOT MY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
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:
My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with XXXX XXXX. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My identity has been compromised since the year XXXX. The thieves used my stolen information to obtain an auto lease with XXXX XXXX. I became aware of this situation in XX/XX/XXXX after receiving numerous credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, I reviewed my credit report and then noticed this account, which I was also completely unaware of. This account has been negatively reported since XX/XX/XXXX which is significantly affecting my credit score. I've disputed this account numerous times with no result and also have not received any information regarding this account from the company.

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 2023-08-23
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, I was coerced into providing the host of an XXXX rental additional payment, despite payment in full already being made. In XXXX 2023, I initiated a dispute for this additional charge since XXXX customer service indicated it would be up to the host to provide a refund, but by this time I had closed my XXXX account. Relying on multiple misrepresentions, Citi denied my chargeback claim. Citi failed to provide notification of dispute outcome, and I found out that merchant responded only after the disputed amount was rebilled, some 30 days after merchant 's response, with multiple misrepresentations, was received by Citi. I immediately filed a rebuttal on XXXX XXXX, but have not received a related dispoition.

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 monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these is a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 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