BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2021-06-14
Company: EQUIFAX, INC.
State: PA
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 account was open fraudulent on XX/XX/XXXX. The original creditor name is XXXX XXXX XXXX. XXXX  XXXX XXXX  then sold this account to XXXX XXXX XXXX XXXX. 

The Address on this Contract is XXXX XXXX XXXX XXXX PA XXXX. 
In XXXX I was not living at the above address. 

At the time of this contract I lived at XXXX XXXX XXXX XXXX, PA XXXX. 

PLEASE NOTE : Attached is a Signed copy of my lease from XX/XX/XXXX - XXXX this is an official document. 

You are violating my right and causing harmed to my credit! 

First, failed to verify the identity once the application was approved. 

CFPB PLEASE HELP ME XXXX XXXX HAS QUESTIONABLE BUSINESS PRACTICE. 

ATTACHED IS COPIES OF MY LEASE STATED I NEVER LIVED AT THE ADDRESS THAT WAS PROVIDED WHEN THIS CONTRACT STARTED. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Equifax for violation of the Fair Credit Reporting Act and Defamation. 

I REQUEST THAT THIS ACCOUNT IS REMOVED FROM ALL CREDIT REPORTING AGENCY ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Two separate E-Mail request/notifications received that {$600.00} will be " automatically be deducted '' from my PayPal account XXXX dated XX/XX/2022 and XX/XX/2022 from an E-Mail address # XXXX and another from " XXXX XXXX XXXX XXXX ) '' with a telephone contact number to reply. I DID NOT MAKE ANY SUCH TRANSACTION and called the E-Mail senders contact telephone number ( XXXX ). The contact telephone was only a scam to get more of my personal information. Upon trying to research a legitimate telephone number none was listed for XXXX XXXX XXXX XXXX Many many years ago I had an account with PayPal. Paypal Company should not use my account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-14
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Hi, I have a problem with XXXX XXXX XXXX XXXX.  Unfortunately, I do not know the exact dates of the incident but here 's what happened : I had American Express gold card for years and used it until I realized that I'm paying {$180.00} annual fee, which for me and what I was using a credit card was too much so I decided to cancel that card but their representative, after several offers, finally offered to waive annual fee. I accepted and continued to use that card until I realized that after few months they still charged me {$180.00} annual fee. I called, they said that fee will be removed but never did. After several calls, their supervisor explained me that because I used their membership reward program ( I got {$20.00} GAP gift card ) I must pay annual fee. They never told me about that and if they did I will definitely denied the offer and cancel the account like I wanted too. I payed for all of my purchases and fees excluding {$180.00} annual fee and called AMEX and asked to cancel my card but they never did and although I did not used the card, charged for late fees etc. pumping that account to over {$400.00}. They also send debt information to credit report companies resulting in my credit score decreasing. Now they sending me offers to settle for 60 % of my " debt '' - {$240.00}. I tried stating my case to American Express customer service but without any understanding from their side. 
If you can help me on this matter, I would appreciate it. 
Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14
Company: Navient Solutions, LLC.
State: GA
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: Investigation took more than 30 days

Complaint:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
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:
XX/XX/2020 I TRIED TO CALL XXXX XXXX, EXPERIAN, XXXX AND LET THEM KNOW THAT SOMEONE HAS TRIED TO SUMMIT FRAUDULENT APPLICATIONS IN MY NAME WITHOUT MY CONSENT THEY FAIL TO HONOR MY REQUEST TO REMOVE THE INQUIRES DO TO IDENTITY THEFT I WAS HUNG UP ON AND ALSO COULD NOT UNDERSTAND THE CUST SERV REPS THEY DID NOT SPEAK ENGLISH THAT WELL

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 2021-09-12
Company: EQUIFAX, INC.
State: DE
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 disputed this with XXXX XXXX XXXX XXXX XXXX requesting validation, not verification. Instead I received a letter stating that they were sure it was me. I spoke with the tenant that moved in right after I moved out of my unit at XXXX XXXX so I know this entire replacement of carpet is incorrect. On top of that I didnt leave the base for 3 weeks after I moved out of the unit and could see what was being done. XXXX XXXX XXXX XXXX XXXX requested that I send documentation proving I didnt make these charges. How can I prove that? I have attached emails and the doctored second move out inspection that XXXX signed on his computer after the one that said I had a refund. As you can see it says both which makes no sense. Please delete this off my report because it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Checkr, Inc
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Hello, I applied for contract employment with XXXX XXXX XXXX XXXX They requested a background check be completed. I complied and a company named Checkr supposedly investigated my criminal background on XX/XX/XXXX. I then received another notice afterwards on XX/XX/XXXX saying that adverse action was being taken. The report said I had seven days to reply to conflicts involving employment or termination resulting from Checkrs background check. On XX/XX/XXXX I received an email from XXXX saying they did not want to continue the onboarding process. After reviewing the report I discovered the reason they denied me was inaccurate information as presented in the email and report. I attempted to contact them on XX/XX/XXXX. After XXXX minutes of hold time an agent spoke with me briefly. She said hello, asked me my name and social, and then said her computer was down could I hold the line. XXXX minutes later she came back said her computer was having trouble and hung up the phone. 

Thank you for reviewing and the reason for all this is because checker listed XXXX charges with a disposition date of XX/XX/XXXX. No disposition on said date was given. The report even lists the charge date as XX/XX/XXXX. It is impossible for a disposition to come before a charge therefore I challenge any of the information as being accurate and have become damaged due to reports. No one reviews the information at Checkrs before passing it on and your assistance would be appreciated. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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 had 2 credit cards accounts with Capital One. They misapplied a payment, made 2 payments to one credit card and the other account was not paid. When I noticed this I contacted capital one, they took the money from the account and applied it to the correct account, and sent me letter stating this was done. However they never corrected the late payment entry on my credit report. I have contacted Capital One 3 times by phone, sent them 2 letters with all the corroborating evidence and detailing this info and also disputed this through XXXX  3 times. And nothing has been changed. When I have tried to contact someone at the Dispute Credit Bureau dept at Capital One, I have been told there is no way to contact anyone instead I was told to send yet another written account of what happened. I have written to them and called, and they have yet to change my credit report even though by their own acknowledgement they misapplied the payment and fixed the payment. That makes absolutely XXXX sense, and when I call in the reps are very apologetic but they have said I need to write to them again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  added a collections to my credit report and the debt was already satisfied and paid off. I have plenty of proof to this claim as the IRS accepted my paperwork but XXXX  XXXX is refusing to accept it which is also against the law they also added this to my report without my permission or consent 15 USC 1681 permissible purposes of consumer reports states that they need WRITTEN consent from me to add this 15 USC 1681c requirement pertaining to information contained in consumer credit reports may not add any adverse item to me report!! Why are they allowed tk do this without any consequences. This is disgusting. I want this removed off my report 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 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In according with the Fair Credit Reporting act XXXX Account name- XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a 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
Consumer complaint received 2021-02-07
Company: FORD MOTOR CREDIT CO.
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: Problem with personal statement of dispute

Complaint:
I have been writing Ford Credit Executive Analyst XXXX XXXX. In reference to a paid off car loan that was paid in full in XXXX. To give you a little history this loan included several extensions granted from the Leander. I was told that these extensions were a courtesy and not be treated as late payments. After i was denied for a home loan i checked my credit and was surprised to see how all those late payments were associated to my paid off account. Under the Fair Reporting Act. Company 's reporting to the bureaus should be acquired. Ford has 14 late payments, late to the three bureaus but sent me letters stating 19 .Now they are changing the amount to 18 so you can see how I feel my rights are in violation! I've made several attempts to resolve this matter and they have left me no choice but to file complaints against them. I would like them to explain how they granted me extensions with out changing the number of months of the original loan. Before i Serve ford with a lawsuit for damages due to XXXX XXXX Handling this case I'm make every attempt to get this account changed to paid in full never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery is been calling twice daily for the past 4 years from different phone numbers, I have to blocked them. Tired of them for a Bill that someone stole an XXXX account and used and it was not me. I told them and they put it in my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: HW Holding, Inc
State: VA
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:
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 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  *These corporations listed above have been placed on reports fraudently..please remove and recoup all securities though my XXXX  account*

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-06
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon to whom it may concern. My name is XXXX XXXX. I am reaching out because I Have a eviction Debt on my credit from XXXX. I got kicked out the house in XXXX from the house I was living at with my daughters and there mother. i tried contacting company and they lowered it to {$3300.00} and they said they can only make a 3 payment plan of {$1100.00} and I told them I couldn't because I was ok fiancially. I been trying my best working fulltime and taking care of my 3 daughters and trying to be a responsible father and at this point I been stuck in a small eficiency since XXXX and it is very uncomfortable for me and the girls whenever they stay with me on weekends and because the eviction I cant get and apartment for me and my girls. I'm just asking for some help with this issue. I am a responsible person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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: Other problem getting your report or credit score

Complaint:
In XXXX of XXXX, my XXXX XXXXXXXX XXXX FICO link showed that TransUnion shows that my credit score dropped from XXXX XXXX XXXX I have subsequently contacted TransUnion a number of times for an explanation of why the drop ( my credit scores as being reported by the 3 different credit agencies have consistently averaged well over 800 for well over a decade ). Twice I have received TransUnion credit reports since and can find no explanation or reason as to why the score drop, and I am not able to find anyone in TransUnion that can successfully answer the question- and the score continues to remain in the XXXX  range for 5 months. The only thing that has changed in my finance life is the opening of another credit card in the spring of this year. I am not easily able to accept that this simple action on my part has such a dramatic impact on my credit score. I am asking for a full reason/explanation from TransUnion as to why my score dropped and has this remained. Thank you.

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: Experian Information Solutions Inc.
State: WA
Product: Credit reporting 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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2021-02-06
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or may not even belong to me. It has been OVER 120 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but this amount of time and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.

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