BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following items off my Credit File as soon as possible : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX - XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX-XXXX/XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please comply with the law.

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 2020-08-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
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 submitted a dispute on XX/XX/2020 to Portfolio Recoveries ( Account # XXXX ) and to all 3 credit bureaus about an inaccurate collection account that reported without sending me any notifications in the mail. 

It's been over 30 days, no response from any party and the account is still reporting on my credit report. By law it needs to be removed if they don't validate in 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Paypal Holdings, Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I noticed two transactions posted to my PayPal account for {$59.00} each for XXXX. I contacted XXXX the same day and notified them that they were unauthorized. They issued a refund and I changed the password to my XXXX account as instructed, ( my paypal account was listed for my annual renewal of XXXX office ). On XX/XX/XXXX another XXXX debit for {$89.00}. I was on the phone with XXXX for 2.5 hours and even though I changed my password the day before the hackers informed XXXX that they forgot the password and allowed them to change my password and updated the XXXX so I now I do not have access to my account. They were unable to track the payment that posted on XX/XX/XXXX or the payment I actually initiated to download XXXX office for {$99.00} on XX/XX/XXXX. They informed me that I needed to establish a new XXXX account which I did and to inform Paypal that both the {$99.00} and {$89.00} transactions were unauthorized so a credit could be issued. Then I was to repurchase XXXX office for the new account. They could not find the transactions since my username was now changed and they could not see the transaction with my paypal account info at all. I informed Paypal on XX/XX/XXXX and opened Dispute Case ID : XXXX Transaction ID : XXXX and Dispute Case ID : XXXX Transaction ID : XXXX. Paypal provided a provisional credit the next business day but recently debited the amounts again claiming I authorized the transactions which I did not! Paypal can verify that the other debits were refunded by XXXX and can clearly see this was fraudulent activity. Simply stating that because I previously allowed a debit for XXXX is not proof that I made these purchases.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXXXXXX XXXX XXXX made an error on my credit report reflecting that I was 30 days late for the month of XXXX when I was not. XXXX confirmed that they did this in error and stated that they filed electronically the correction to all three credit agencies. Experian updated my account as current but is still reflecting XXXX as 30 days late for the month of XXXX. They need to fix this as soon as possible. Also I have disputed an account named XXXX this collection is over a year old. A year ago I successfully removed it from my credit report and recently it just showed up out of no where. I have proof of payment i have disputed it with Experian and they arent taking my proof of payment into consideration. Whats the point of having a letter reflecting payment confirmation if its not going to be accepted as proof.

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 2021-10-25
Company: MRS BPO, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX on XX/XX/2021. MRS BPO LLC are debt collectors attempting to collect a debt on behalf of XXXX XXXX XXXX  ( XXXX ) XXXX. I have not received any goods or services from MRS BPO LLC and I do not know how they received my personal information. 
MRS BPO LLC do not have a permissible purpose to contact me at all in regards to anything. I am not a party to whatever agreement they have with XXXX XXXX XXXX  ( XXXX ) XXXX. I did not agree to pay MRS BPO LLC or XXXX XXXX XXXX  ( XXXX ) XXXX  any fees for anything.

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 2022-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because KOHLS have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

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 2022-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear team of Consumer Financial Protection, I was shocked to realize that I have unknown items in my credit report mainly inquiries that are not connected to me. I have never done anything connected with these inquiries. Moreover I can not understand how come I got into this situation that my report is damaged by unknown items. Please `I kindly ask you to remove them and make investigation because I feel its a mistake or error in reporting or something else. I hope you 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 non-monetary relief
Consumer complaint received 2021-10-25
Company: U.S. BANCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on US BANK. Also, I tried contacting the XXXX and XXXX Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2020-06-04
Company: EQUIFAX, 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:
On XX/XX/XXXX, I wrote a dispute lette

r to XXXX  & Equifax & Equifax credit bureau, asking for verification of a XXXX XXXX account thats being reported on my XXXX  & Equifax credit report per 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. ( Verification Letter Attached ) The verification letter was sent certified mail and was received on XX/XX/XXXX by XXXX & Equifax. ( Delivery certification letter confirmation attacked ). On XX/XX/XXXX I received a letter stating that XXXX  & Equifax investigation was complete. After reviewing the report, XXXX  & Equifax stated that Outcome : Remains. This item was not changed as a result of our processing of your dispute. ( XXXX report page 1 and 2 attached ) After reviewing my report, I did my own investigation and placed a call to XXXX XXXX to see if they had any information on me for this account. On XX/XX/XXXX I placed a call to XXXX  around XXXX XXXX and spoke with a representative name XXXX  ( AKA ) no employee number was given. He indicated that they have no information on this account, because they sold it to a third party on XX/XX/XXXX. After placing the call to XXXX XXXX, I knew that XXXX  & Equifax was in clear violation of the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ]. I am very concerned about the validity and accuracy of XXXX  & Equifax investigation, as this inaccurate item remains on my credit report, which is a clear violation of the FCRA. If XXXX  & Equifax had investigated properly, rather than using a e-Oscar   system, they would have known, that this account does not exist per XXXX XXXX, but XXXX  & Equifax claims to have verified this account was accurate. It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the e-Oscar system that does not even contain the reasons for my dispute is not reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax, and XXXX are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable following items below : XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$23000.00} XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} TBOM/VT XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: HI
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 did not use the card for the charge. I talked to the lady with the original credit card company. She said they would look into it. Next thing I know they put the account into collection. This is wrong. I dont want to pay for what I did not use. There is a thing call the law of cause and effect. You can gain a few XXXX dollars but you and many of your generation to come will suffer endlessly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing today because I am shocked on how poor attention and lack of investigation Experian, and XXXX has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below inaccuracies : XXXX XXXX XXXX Account Number XXXX The first error date of activity Experian is reporting XX/XX/2021 and XXXX is reporting XX/XX/2021. 

The second error account status Experian is reporting closed and XXXX is reporting open. 

The third error payment status Experian is reporting payment status as collection/ charge off and XXXX is reporting Late 120 days. 

The fourth error is last payment Experian is not reporting a last payment and XXXX is reporting last payment XX/XX/2021. 


I have sent numerous letters to XXXX and Experian they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G. I have the right for 100 % accuracies on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/2023, XXXX XXXX, XXXX sent me a letter purporting to be a debt collector attempting to collect an alleged debt from me. {$760.00}, but will settle for payments totaling {$390.00}. XX/XX/2023, I sent them a letter disputing this alleged debt, a cease & desist collection attempts, an invoice for FDCPA violations contained in the letter, and a pre-arbitration demand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Single Male lived in a home 30 years. Fully employed and got injured lost my job. Attempted to modify a mortgage. XXXX Wells Fargo they refused and tacked forclosure Memos on my front door. I fought for a long time. I am XXXX and my mind is not as sharp so forgive me.. The assessed value of the home was {$280000.00}. I was granted a 2 week extention from the XXXX sale, as I was out gunned and had to short sell. for {$130000.00}. 
I was homless for XXXX years and most of my records are gone. Have some like the notices they taped on my door and some old statements. My question is whom over sees ther XXXXXXXX XXXX court settlement?

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 2021-05-12
Company: Experian Information Solutions Inc.
State: NJ
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 can not remove a credit freeze on my EXPERIAN credit report. This problem has been going on for years. I have removed my freeze by phone. 
I have removed my freeze by computer. EXPERIAN states ( on their website ) that my credit freeze has been removed. My EXPERIAN login at their website says there is NO freeze on my credit information. Still, no companies can access my credit. Thus, I can not apply for any type of credit, I can not buy any service that requires a credit check though EXPERIAN. To obtain utility service in Florida I had to give the electric company a {$300.00} deposit. Now, XXXX can not check my credit to install internet. My credit score is over XXXX but I am paralyzed by this company. I can not reach anyone to talk to at EXPERIAN. I just get a go around phone tree. Ridiculous.

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 2021-02-15
Company: Alliance Recovery Group
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
A company called alliance recovery called stating i owed XXXX dollars for a loan in 2013 and they were takingme to court for XXXX dollars. The company said the name of the company I owed was XXXX XXXX.. I have never heard if this company nore have I ever took a loan from this company. I asked the gentleman his name he would not give me it I asked what was the address and phone number to the so called company that I owed this money to. He could not give me any of this information. I continued to ask what the address to his company was and he would not give me that information as well. When I told him I have paid off all debts and had receipts if the company I took a loan out for he started calling me a XXXX and a XXXX  and said he was going to keep calling my phone until the company closes for the day.. he then turned around and called my phone 7 times after the call. I called back and spoke with a so called supervisor and he said he can't help me with any of the information I was asking the other gentlemen for and I can go to the court on my court date on Thursday.. keep in mind I haven't been subpoena to go to any kind of court date.. im pretty sure this call is a scam. And would like to report this so some one who doesn't keep track of their finances falls for this trap and ends up losing money that is truly not owed to someone The phone number and name for this company calling me was called alliance recovery and phone number is XXXX

Company response to consumer: Untimely response