BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: LA
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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Risecredit, LLC
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: Information belongs to someone else

Complaint:
Rise is reporting identity theft and fraud. Additionally I filed bankruptcy before this fraudulent account was even reported and Im being hit with a double sword. Reporting of identity theft as well as reporting and updating after bankruptcy. Ive contacted the company. I have provided all documents. They havent removed. Instead they continue to ask for different items to delay action. I submitted the ID theft Affidavit. They wanted the email showing it was submitted online. I submitted police report. They wanted the police to name them specifically. Police here dont do that. They wanted ID copy. I submitted Military ID and they refused to accept it and wanted a state ID not a federal one. Everything is games and avoidance while damaging my credit and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: DE
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 have reached out to card issuers and Experian and unfortunately the dispute results have tons of details without value or proper explanation or resolution. meaning more misinformation than actual information. The questions I have are. 

1. When credit reporting is monthly ( Also Note-customers registered on credit Bureau sites get daily updates ) . Why would a 0 % APR for XXXX balance have to consider the total balances. I need the current score not the future score. 

2. Credit card issuers are reporting the balances inaccurately. The unfair part is credit card companies who attract customers with rewards and cash back forget the fact that once a customer accumulates cash back over time, that amount has to be considered to get a net balance. 

3. Reporting delinquencies on $ % basis is more accurate than # of delinquencies. 

4. Who and how often is the data integrity validated? credit reporting agencies do have inconsistencies. 

5. Finally, the models must reflect most recent micro and macroeconomics, inflation, GDP, price index, unemployment, climate risk. Why is there is disparity on consumers, who are the fundamental elements of driving the GDP but are treated unfairly by only considering what is profitable to big credit issuers.

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 2023-04-23
Company: Paypal Holdings, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PayPal , Inc. does not send the refund payments that are sent to PayPal by merchants to PayPal CreditXXXX XXXX in a timely manner. 

This causes the customer/consumer to file a " dispute '' not knowing that PayPal , Inc . 
actually has received the merchant refund credit but has not forwarded the refund/credit paid by the merchant to PayPal Credit or XXXX XXXX  XXXX 

This causes a lot of headaches. I simply hate/despise using PayPal, Inc./PayPal Credit because of all of the confusion and miscommunications. It is simply horrible. 

XXXX XXXX has sent PayPal, Inc. a number of refunds/merchant credits that have not been forwarded to PayPal Credit . Not knowing this, I have had to filed disputes unnecessarily. 

XXXX refunded PayPal, Inc. the total refund for order placed on XX/XX/2023 but PayPal , Inc. has not notified PayPal Credit and a dispute was created. 

Also XXXX had refunded PayPal, Inc. almost {$120.00} on an order of {$170.00} made XX/XX/2023. I did a dispute. 

This process with PayPal , Inc. is horrible, inefficient, does not communicate with PayPal Credit, and is not worth the time, energy, and headache..

PayPal 's lack of record keeping and working with PayPal Credit causes the consumer to be upset with the merchant and PayPal Credit needle
ssly when it is the fault of PayPal , Inc. itself. 

If I was XXXX XXXX I would stop doing any business with PayPal as it causes too much conflict.

When PayPal , Inc. was simply PayPal, things were much better.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Palmar, 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 filed a dispute on XX/XX/2020 regarding a new collection on my file. 
The reporting agency took less than 48 hours to investigate my dispute which leads any reasonable person to believe that my dispute was not properly handled. This account has been paid and closed for more than two years.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-31
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:
The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Omega RMS, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX To Whom It May Concern, I signed a contract with XXXX XXXX, XXXX, XX/XX/XXXX, and called to cancel in XXXX of XXXX due to hardship. My account was current when I tried to cancel but the company stated I had 72 hours from the time I signed the contract to cancel. The contract contains no information on a cancellation policy. XXXX XXXX would not cancel my contract but closed my account in XXXX of XXXX. I have had no access to their program or software since, but they have continued to charge me for their services. 

I recently found out with the help of legal professionals in the XXXX XXXX that XXXX XXXX   opened a revolving line of credit in my name when I signed said contract. I gave XXXX XXXX a {$250.00} deposit when I signed the contract under the impression that I would be paying them the money, and made 2 monthly payments of over {$200.00} for XXXX and XXXX. I never authorized XXXX XXXX   to open a revolving line of credit in my name nor was I aware that is what the company would do. I never signed a contract with anyone other than XXXX XXXX, XXXX. 

In XX/XX/XXXX, a company by the name of Omega RMS placed an account in my name for collection and reported this to the credit bureaus. They are currently reporting I owe {$15000.00} to XXXX XXXX and continue to add late fees and interest every month. Again, I do not currently have access nor have I had access to any products or services offered by XXXX XXXX since XXXX of XXXX and I was not aware they would open a revolving line of credit in my name. 

I paid XXXX XXXX for their services until the time they closed my account and would like to ask Omega RMS and XXXX XXXX to clear this debt in my name completely, and to remove this debt from all credit reporting agencies. This has caused me extreme emotional stress for many years now and is the one thing that has kept me from purchasing a home for my children. 

I have paid dearly for signing a contract with a company that uses deceptive tactics and lures people into contracts they can not cancel. At the very least I am sure that by most states standards I have likely reached the statute of limitations for this debt since XXXX XXXX, XXXX closed my account in XX/XX/XXXX and would ask that any government official or credit agency official authorized remove this debt in my name. 

Sincerely, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
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:
The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : 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 explanation
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: AZ
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 demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX  XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. 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 explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted about a debt with Portfolio Recovery Associates regarding an old credit card debt. I ended up paying the debt {$730.00} to get it removed from my credit. Even though they failed to send proof that it was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXXXXXX XXXX XXXX  but I wasn't late nor have I ever had a late payment in my XXXX  years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, 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 2020-03-31
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:
Experian is intentionally reporting false balance information on my credit report despite my providing evidence demonstrating the patently false information. In addition, upon my filing a dispute over this, Experian closed the investigation not by correcting the error or removing the tradeline but instead allowing the account to be " updated '' to be re-aged as a new late payment. I have attached documentation. 

FALSE BALANCE INFORMATION I do not owe {$220.00} on XXXX. To explain, my XXXX account was disputed. Recently, XXXX settled under the lemon law by buying the financed vehicle back. This was done by re-paying me for the payments I made, less the cost of use. In other words, I was charged for the full amount of my use as part of the buy-back. Common sense and simple math dictate that I can not owe anything after the settlement check was calculated by reducing for the cost of my use of the vehicle. I filed a dispute with Experian and provided them the proof to support these assertions. 

RE-AGING After " investigating '' Experian closed the investigation by updating the reporting of the XXXX account to re-age it. Indeed, I learned of the re-aging because Experian sent me an alert that stated I had a " new '' late payment. I have attached this information. 
Instead of correcting the false balance 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 explanation
Consumer complaint received 2018-09-02
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 I sent US {$100.00} to my cousin in XXXX using the services of Western Union.  For this transfer I paid US {$8.00} transaction fee. The recipient was unable to receive the money on XX/XX/XXXX despite presenting the correct tracking number ( # XXXX ) and the valid government-issued ID. The recipient was told that the information about the transaction was not in the system. On XX/XX/XXXX I contacted Western Union by phone and was told that Western Union does not know the reason for this problem. They suggested that the best course of action would be to send me back the money so I can re-send. WU also agreed to return the transaction fee. 
On XX/XX/XXXX I went to WU branch in XXXX MA to receive the money and was able to get back US {$100.00} but not the transaction fee. Despite spending there more than an hour I never got the clear explanation why the transaction was not completed and why the transaction fee has not been returned

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 2020-03-31
Company: Ocwen Financial Corporation
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called my Mortgage Company trying to get help because I am out of work because of COVID19. 
They are saying they can give a frobearance for 3 months but at the end of 3 months the full amount is due. 
How do they expect unemployed people to come up with a large balance due at the end of 3 months? This is Not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry appeared on my credit report from XXXX XXXX, XXXX XX/XX/XXXX. I contacted the creditor that same time frame and advised them I had been compromised & this account inquiry was fraudulent and it needed to be removed from my report. They conducted their research & it was removed from XXXX reports but still remains on Equifax. I've since put a 7 freeze on for all the credit bureaus. I contacted XXXX, XXXX XXXX again in XXXX, they advised me they had sent another request to have this removed from my report & I received a letter the 2nd time from them stating this fact. XXXX this was still on my report I had filed an online dispute w/Equifax and reached back out to XXXX again to request this removal. There was no change. I submitted section 609 letter Equifax sent certified mail at the beginning of XXXX requesting this to be removed from my report along w/documentation from the creditor advising they had 30 days to have verified. As of XX/XX/XXXX I contacted Equifax and they have my documents on file but state the were not able to remove from my report due to the letters from XXXX were not proper form of docs they can use to remove & advised me to process form on FTC.Gov and fax a copy to them for faster removal..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: Nicholas Financial Inc.
State: MD
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:
In late XX/XX/XXXX I began experiencing financial hardship which prevented me from being able to make my car loan payments with Nicholas Financial on time. In XX/XX/XXXX the vehicle was repossessed. Since then I am back on my feet and have invested alot of time and resources into getting my credit back on track. So much so that I am in the process of purchasing my first home and need all of my information to report as accurately as possible. 

The underwriter on the mortgage loan is questioning the status of the balance of the repossessed account. Basically - is it charged off. 

I spoke to XXXX at XXXX @ Nicholas Financial corporate office who advised that the vehicle has been deemed as CHARGED OFF since XX/XX/XXXX but that they will not change the status from repossessed to charge off because the credit bureaus know what it means.

That may be true but the underwriter doesnt have to and the wording on any account should be accurate. The repo happened BEFORE the charge off. The account should have been updated after the occurrence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: IA
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 XXXXXXXX, us dept of ed/XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

i have reached out multiple time to resolve the issues someone has to hold them accountable.

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