BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-08
Company: Experian Information Solutions 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:
I received a notification from Experian this morning regarding the completion of disputes regarding the prior complaints I submitted using this site. 

Complaint # : XXXX ; XXXX To my surprise, many items that do not belong to me are still reported on my credit report. 

Each account was updated with the status : Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

By law, I can request a copy of what these companies have provided to Experian that verifies this information to be accurate. 

Attached you'll find a screenshot of all the accounts that are in question. 

I'm asking Experian to provide me with the information they received from the company that Experian used to verify the accuracy of such accounts. 

There's also an incorrect address that I've never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this incorrect address.

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 2023-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I spoke with a offshore representative from Capital One XXXX XXXX name XXXX at XXXX I asked him to provide a pay off balance to pay to XXXX out my account since prior the call I paid over XXXX wanting to XXXX out my balance and previous rep never told me that pay off balance will be different vs what's online. They charged XXXX  in Interest. He told me my pay off is XXXX now and he guarantees no more interest will be charged to my account. I made the payment while had him on the phone. On my most recent statement they charged me XXXX interest again! I just poke with an onshore supervisor name XXXX on XX/XX/XXXX at XXXX XXXX and asked her why I'm being charged again she said : XXXX didn't list XXXX transaction as PAY OFF! they charged residual interest and we can't wave it .... ' Where I was told by the XXXX on XX/XX/XXXX that's my the payment I'm making of XXXX is my PAY OFF amount and he guarantees there won't be any more interest charged. Just because he failed to mark XXXX as PAY OFF I was charged with interest again. It's ILLEGAL what Capital One does! She refused to look up the phone conversation. If they record all the calls they much check XX/XX/XXXX call and waive XXXX! I should've never been charged XXXX!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
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:
I got no response back from the company Inaccurate reporting on my report, Vehicle was sold and paid the debt the amount own is inaccurate, and debt was never validated

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 2022-12-08
Company: Experian Information Solutions Inc.
State: MA
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:
Experian did not do any sort of due diligence on the dispute I raised with them and did not remove the fraudulent claims from my 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
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have unfreezed my credit report numerous times. However, everytime I apply for credit or a credit limit increase I'm declined because they can't verify my credit reporting information. Transunion keeps saying I don't have a payment history. That's not true. I have 3 credit cards that report to all three credit bureaus. Transunion isn't reporting my credit report accurately and I have a bunch of inquiries due to companies not being able to verify my credit 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 2022-11-25
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-01
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date OpenedXXXX Balance : {$1000.00}

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 2021-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Business & Professional Collection Service Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a summons from Business and Professional collections services in XXXX. 
- I called a few days later to discuss the debit. 
- I wasn't sure about the debt so I sent a " debt validation letter '' on XX/XX/XXXX. 
- I revived an itemized reply on XX/XX/XXXX - I called to settle the debt on XX/XX/XXXX, After some back and forth they offered to settle for {$830.00} and they wouldn't charge me ( filing and court fees ). I  asked for a few days to get paid and " check my finances ''. I used that time to contact the original hospital ( XXXX XXXX ) to  confirm that Business and Professional collections acutely controlled the debt. 
- When I called back on XX/XX/XXXX I was informed they has rushed out just after our call to get a " judgement ''. So now they want $ 200+ more! Once I wanted to settle in full they rushed out and increased the debt by 25 % to get more money!!! 

I feel there negotiations where not in good faith ; They created an artificial timeline and once they saw an opportunity they rushed to increase the amount they get paid. If you look at reviews of this place it seems this is a common business practice for them.

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 2023-10-23
Company: EQUIFAX, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2021-06-17
Company: General Motors Financial Company, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/2017, I went to XXXX in XXXX, GA to purchase an automobile with my credit card. I was provided a credit application which I filled out and provided my credit card to the sales rep at XXXX to extend my credit. In return, XXXX brought me an alleged loan on a document with the title 'Sales Agreement ', and it stated GM FINANCIAL as the 'LIEN HOLDER '. A finance charge was involved in the consumer credit transaction and was not disclosed clearly in any of the communication sent from GM FINANCIAL. GM FINANCIAL furnished deceptive documents and communicated with me at my abode in connection to collect an alleged debt that is not lawfully owed. I did make payments after being harassed by the monthly bills and annoying phone calls over the years from GM FINANCIAL, making me believe I was obligated to make such payments. I sent GM FINANCIAL a request to validate the alleged debt. They have not sent any documentation proving any legal or lawful obligation as requested in the allotted time frame. The payments have caused damages to my financial status and reputation. GM FINANCIAL continues to violate my federally protected rights and communicate with me without my consent in an attempt to collect an alleged debt. GM FINANCIAL has not provided any legal or lawful validation of any debt or alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account, associated with the email address XXXX. I believe that there has been a misunderstanding or mistake in this matter. 

Firstly, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. I take my responsibilities as a PayPal user seriously and have made every effort to comply with your rules. 

I kindly request that you reconsider the limitation placed on my account and conduct a thorough re-investigation of my case. I believe that upon review, it will become evident that this action was taken in error. My primary goal is to continue using PayPal as a reliable and secure platform for online transactions. 

I understand that PayPal 's commitment to security and compliance is of the utmost importance, and I respect your diligence in enforcing these standards. However, I believe there has been a misunderstanding, and I hope for the opportunity to clarify any concerns that may have led to this limitation. 

I kindly ask for your prompt attention to this matter, as it has caused significant inconvenience and disruption to my financial activities. Restoring access to my PayPal account would greatly alleviate these challenges. 

Thank you for considering my appeal. I am eager to provide any additional information or clarification that may assist in resolving this issue. Please feel free to contact me at XXXX if you require any further details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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 is missing that should be on the report

Complaint:
Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX TransUnion XXXX RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, 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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2023-10-24
Company: EQUIFAX, INC.
State: GA
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 no consent is fraud.

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 2021-06-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SS # ENDING IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Uplift, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To my surprised I discovered that the original creditor has and now sent to the Collection agency has violated both the FCRA and Fair Debt Collection Acts. Originally, Uplift from a previous CFPB acknowledge that this was deleted from my XXXX credit. However, since then they have not only re instated this fraudulent activity. They also, sold this Account to XXXX XXXX XXXX XXXX. XXXX XXXX has without prior notice reported an amount of {$320.00} to my XXXX and XXXX credit report fraudulent as well. I would like to notice the Uplift has act contradictory to the laws. They have harassed me and tried to bully me into providing personal information about myself. It is clear that they are acting in desperation. They can not obtain information to synch me to their claims and they have no written authorization from me that says this is my account. When I refused they became excessive and fraudulent. And they have re enter a deleted non reporting on XXXX. Previous CFPB # : XXXX

Company response to consumer: Closed with explanation