BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-27
Company: EQUIFAX, INC.
State: TX
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:
My complaint is against Equifax, XXXX, XXXX for late payments and fees on my credit report. I had a child support case with the State of Arizona and as of XX/XX/XXXX my child support was completed and State of Arizona sent that information to Equifax, XXXX, and XXXX. The problem that I am having is, Equifax, XXXX, and XXXX, still have payments late for year XX/XX/XXXX and XX/XX/XXXX, which is impossible if I paid off my child support before time. I requested an audit with the State of Arizona through my congressman, because I knew I wasn't in the rear. The audit was completed and my child support withhold order stop, before my son made XXXX years old. State of Arizona says it's Equifax, XXXX, and XXXX  responsibility to correct the problem and Equifax, XXXX, and XXXX  says the State of Arizona should correct it. I really don't know who is at blame, but these late fees and payments should be removed off my credit report. I have children in 3 other states and after my obligations was completed, the agency removed any negative report on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 WOULD LIKE TO EMPHASIZE THAT THESE ACCOUNTS WERE, IN FACT, PAID IN FULL!! Upon reviewing my records, it is clear that the accounts were paid in full, and there is no basis for the " settled '' status. Furthermore, I would like to bring to your attention that I have recently communicated with the respective bank, and they have acknowledged the error on their part. In light of this acknowledgment, they have agreed to DELETE this inaccurate information from their records in order to avoid any legal action. 
XXXX XXXX XXXXXXXX XXXX THE ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX THE ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX ACCOUNT WAS NOT SETTLED. THEY WERE PAID IN FULL. BANK HAS AGREED TO DELETE IN LIEU OF BEING SUED. PEASE DELETE!!! 
I kindly request that you promptly investigate this matter and make the necessary corrections to my credit report by removing the inaccurate " settled '' status. I expect this dispute to be resolved in accordance with the Fair Credit Reporting Act ( FCRA ) within the 30-day timeframe.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy of a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I also requested they be verified with a Wet Seal Signature for verification. If it can not be provided, I am requesting that these items be removed immediately. After the CFPB and FTC Reports did nothing you guys are my last hope. Here are the violations and accounts. Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX and Transunion have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( XXXX ) XXXX XXXX XXXX XXXXXXXX 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 2023-01-09
Company: EQUIFAX, 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 am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: AMERICAN EXPRESS COMPANY
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:
I have multiple and I mean multiple inquiries regarding my credit report which I do not have any idea who has been inquiring what I do know is the Department of Homeland Security has been harassing me and defending my character for two years now that is according to the local police XXXX I've not done anything wrong but I have the Department of Homeland Security harassing me and trying to feed my character to multiple companies that I've done business with they're using these multiple companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX in order to be able to gather personal information of mine and use it against me and attack me they called a XXXX  XXXX and they ordered XXXX XXXX to not renew one of my credit cards I want Some people held accountable right now whoever it is in this government that's doing this I want them exposed and I wan na know who it is so I can make it public for the world to know what's going on

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I contacted the bank in order to get the late payments removed so be able to refinance my car and they wouldn't do it they said they don't give forgiveness on that matter due to my payments being so high now its kinda hard for me to keep up with the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief
Consumer complaint received 2022-11-14
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Paypal , Inc. Paypal arbitrarily limited/froze my account of 21 years, without an explanation even after requests for one. They claim a violation of TOS but were not willing to explain to me what violation had occurred. I requested that the account be closed, and my linked financial information ( bank account, credit cards ) be deleted, out of concern for a potential security breach in the future. In other words, as I am not able to use the account, I want it closed. They will also not close the account, leaving my financial information extant for anyone to see and potentially misuse. I want the account closed, and my financials deleted, proof to my satisfaction. They are still refusing to do so. I have opened a case with the XXXX  about this to no avail. I never consented to Paypal 's permanent retention of my bank account information or credit card information, and I have never heard of a personal account being kept open but frozen when the customer wants it closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: Experian Information Solutions Inc.
State: TX
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 are many mistakes appear in my report without my understanding.

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 2022-11-14
Company: Experian Information Solutions Inc.
State: SC
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$66.00} ; XXXX XXXX XXXX : {$73.00}.

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 non-monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NY
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, XXXX XXXX, submitting this complaint against XXXX XXXX XXXX XXXX XXXX and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX ( CLOSED ) DEPT OF EDXXXX XXXX DEPT OF ED/ XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above.

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 2022-11-14
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:
I have been sending multiple dispute letters as well as CFPB complaints against the Credit Reporting Agencies to request the correction of the erroneous accounts and information from my Credit File. Under the FCRA, the Credit Reporting agencies are required to investigate the disputed accounts and correct or fix the information being reported on my Credit File. I am submitting this CFPB complaint once again, to request to the Credit Bureaus to remove the erroneous information being reported on my CrediXXXX XXXX. Please once again, fix, remove, and correct the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$51000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2023, per the FCRA, I notified XXXX XXXX XXXXXXXX that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Resurgent Capital Services L.P.
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 status incorrect

Complaint:
If, after any reinvestigation Any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file or the consumer or modify that item of information as appropriate on the results investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Experian Information Solutions 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:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. Because I dont recognize these debts.

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 2023-02-20
Company: Experian Information Solutions Inc.
State: VA
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 had two first XXXX XXXX XXXX  open in my name that I didnt do they were made by an identity theft I reported it to them to all three bureaus which they took fifteen days to say the illegal verified three times and they not removing the illegal accounts. Then XXXX reported to my 3 credit bureaus that I had an account that I didnt open and then when I disputed it they put a second account there. Experian wont remove anything from account even when I showed them that both XXXX and XXXX took it off. Then XXXX XXXX  have an account listed on there that I didnt open someone had robbed me of my wallet and opened a bank account in my name and overdrawn it. Im tired of being penalized for what I didnt do. Please help me resolve these issues Im homeless sleeping in a car because of the reporting agencies and fraudulent accounta

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 2022-10-14
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:
To whom It May Concern I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not say they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the FCRA where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never head of which made me write to you all. 

Are you familiar with something called 15 U.S.C Sec 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : US Department of EDC XXXX XXXX XXXX XXXX Balance : {$1200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : US Department of EDC Account Number : XXXX Balance {$2200.00} Please investigate if every piece of information is correct. If not, please remove it from my credit report I also read where i can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your time and help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: TN
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 have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: FORD MOTOR CREDIT CO.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have send in my full payment for payoff and havent seen anything or heard anything on the payoff. I sent in two certified letters with payment, affidavit, and a copyright notice. The company havent update my account or sent me the vehicle title.

Company response to consumer: Closed with explanation