BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have have attempted to repair my credit score for the last 3 years regarding a paid collections. I called XXXX in regards to my cell phone did not work properly in late XX/XX/XXXX. I was advised to pay extra on my bill to see if the system would repopulate somehow for my service to work. That did not work and so I changed providers in early XX/XX/XXXX. I paid the early termination fee and then in XX/XX/XXXX, I contacted XXXX in order to paid was turned out to be termination fees that I had gone to collections. The charges were over 200 dollars and I had paid another XXXX dollars to " satisfy '' the account. After the fees of XXXX dollars was paid, the derogatory mark still has been reporting to the three credit agencies. I can contacted XXXX, XX/XX/XXXX, to only have their representative tell me " it will only be on there 7 years '' as if this is not a big issue.I have had to pay more on interest rates over the last 3 years, due to having to explain each time why the collection, I.C system, still should on my report. I have reached out to I.C systems and was told that only XXXX can remove the report by simply contacting to do such. I have contacted XXXX, as recently as XX/XX/XXXX ( XXXX XXXX with 52 minute call duration. 16 mins spent on hold ) -XX/XX/XXXX ( XXXX XXXX with a 42 minute call duration on the first attempt was hung up on ). I will seek damages since my credit score has not been seen less than adequate due to this.

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 2023-07-14
Company: V and H Portfolio
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-19
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:
In accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX XXXX # : XXXX XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$000.00} and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: SC
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 updated information on an open complaint with Experian. The complaint # is XXXX. Experian has violated my consumer rights. They have responded that they have concluded their reinvestigation without providing me with the description of the procedures used to determine the accuracy and completeness of the information allegedly verified and without doing an investigative consumer report. 

The disputed information being reported is identity theft. On XXXX Experian received the following documents by certified mail with a green return receipt. My police report with the FTC ; my notarized identity theft affidavit with a XXXX copy of my driver 's license, social security card and mail for proof of address ; a letter with my written instructions for the accounts that are reporting on my consumer reports which I did not consent to authorize nor benefit from. They emailed me on XXXX that they do not accept my police report that was filed on XXXX with the FTC. They emailed me on XXXX with the updated dispute results reporting the information verified on my consumer reports. These actions violate my consumer rights under the FCRA and are causing me harm. I have attached a copy of the police report that was filed with the FTC with a copy of the certified green return receipt signed by Experian. I have also attached copies of Experian 's recent responses.

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 2022-06-19
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 accordance with the Fair Credit Reporting Act XXXX  ACCOUNT # : XXXX XXXX ACCOUNT # : XXXX XXXX  XXXX ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  ACCOUNT # : XXXX XXXX  has violated my rights 15 U.S.C . 1681 Section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : XXXX XXXX : # XXXX, Account name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no, consumer reporting agency may make any consumer reporting 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 in accurate.

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 2023-07-14
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XXXX I opened an account with the Boeing Employees Credit Union. 
On XXXX Received a call and spoke with XXXX In XXXX, WA. who indicated to me that the transaction/my account was under investigation with no more explanations. 
The check from MA cleared on XXXX. ( The Credit Union has the money ) I called today, XXXX and spoke with XXXX at the BECU, who told me that the account is under investigation. He finally gave me some of the excuses - " FLAGS '' on why the account is under investigation ; among the " FLAGS '', XXXX enumerated : - Because I opened an account - New Account XXXX? XXXX -Check unknown to them. ( Again, the check cleared on XXXX ; the bank has the money. 
- The check did not have a line printed under the name of the recipient ( me ). 
- There are " other flags '' to which he can not divulge. 
Finally, he said that the investigation can take up to 90 days. In other words I don't have access to MY money until they decide.They must be kidding right? 
I will be filing complaints with the FTC, the OCC, and others I have emergencies and don't have extra money. Hope you can help. Regards, 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 2023-05-15
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: Information belongs to someone else

Complaint:
Dear EXPERIAN, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect .You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period. I know that these inaccuracies should be automatically removed. I have listed the information about my Personal information that you incorrectly reported and should be deleted immediately. 
Please delete the follow inaccurate names : XXXX XXXX XXXX XXXX XXXX Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXXXXXX DE, XXXX Please delete the following invalid telephone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions to the consumer to whom it relates. EXPERIAN has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and I great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151. 
Regards, XXXX : XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2022-04-19
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management is ruining my credit : They are saying I missed Payments for XXXX and XXXX of 2022 when I did send checks and they did acknowledge ( I have check numbers and everything ). They are also saying I'm 30 days late for XXXX when it's only XX/XX/XXXX and I did make a payment. 

Rushmore Loan Management is the worst company to handle mortgages. I believe they are doing this intentionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
its a phone bill and a medical on my account I didn't have any info about I reached out the the company and the credit bureau on different time to get the handle I need this remove offf my account asap

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 2021-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This is my 10th attempt reaching out to someone about my account being restricted for more than 60 days which i was told it would be restricted for 60 days.

I've received a letter from XXXX stating she has my request but no progress has been made on my account or nor has anyone contacted me prior to all the information I've submitted proving I had my business for a little over 2 years. I've submitted several emails and I am just getting nothing with my account being frozen I am mentally frustrated and drained. This has cost me to lose out on my business and my personal life as well. I am now moving forward to take legal action against capital one. I have received several letters in the mail about claims I've submitted back in XXXX after doing my research capital one has wrongfully restricted my account and has tried to make it seem as I was doing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX my client paid me for a session via PayPal. The session was rendered and the service provided. Following the session, my client paid me ( {$400.00} for the session fee and a {$60.00} tip to cover gas/travel ) and when I logged into my PayPal account I see that the amount is in hold. PayPal charged me their fees of {$16.00} ( robbery ) and then held the remainder stating that because I did not regularly do 10 transactions a month they have the right to hold my funds for XXXX XXXX XXXX I depend on payment to cover things like travel to/from sessions, pay for the things I may have used/equipment rented etc. On my Paypal dashboard it gave me ways to get paid faster such as updating my contact info, adding my ssn, etc. I have since completed ALL of the requested items yet am still being told that because my account is " new '' my funds will be held to protect PayPal against chargebacks etc. The client has paid, she tipped me {$60.00} and she received the service. There is no risk to a chargeback. I am due my funds and PayPal has no viable reason to hold my money. This is putting my family in a financial strain as I can't meet my obligations and run my business. Why would anyone continue to do business with a company that oversteps such boundaries? I am a photographer and not all of my clients pay via PayPal- some write checks, some pay cash - I am never guaranteed to make 10 transactions via PayPal a month to meet the standards of what they are considering a " trusted seller ''. This is largely unethical and all I want is my money and then I will remove PayPal from my website and cease to business with them again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : TransUnion, XXXX, and XXXX. 

I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. 

Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX 

I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future.

I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. 

Thank you for your attention to this matter

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 2018-05-11
Company: Riverwalk Financial Corporation
State: ID
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was a student at XXXX College at the XXXX XXXX campus. I was a student there from XX/XX/XXXX- XX/XX/XXXX. That date may vary by a few months. I can not get the information about the school due to the school shutting down and there being no way to contact them since they do not exist. Recently, I my credit has taken a hit because over {$15000.00} in private loans was sent to collections with my already incurred XXXX in federal loans in a student deferment. The school was closed due to accreditation fraud, false promises of employment and false price advertising for the education. They also, just before the school shut down, switched companies in which my loan was through to force us to pay even after the school was shut down. None of my credits transfer from this school, the degree is worth nothing, and I am sitting with over {$50000.00} in debt that I have nothing to show for. This school underwent a large class action lawsuit by the XXXX Attorney General. The class action won and the school still continued to show false promises. I enrolled in the school one and a half years before its closure and graduated, at most, a month after its closer. All I am asking for is to see if there is any way that these false loans can be taken away or if I should fight it. 
I have also been contacted my a number of other companies that have promised to take care of my loans and all of which, some to find out, have been scams. The most recent ones is XXXX XXXX XXXX. These companies, according to the Federal Department of Education, have no ties to any legitimate organization and should not be trusted. 
I will be able to provide information but I am waiting for it to arrive from home as I am away at college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I am the co-signer to an application for student loan consolidation for my daughter. XXXX XXXX engaged in significant delays asking for the same information repeatedly, then denied the application. One representative coached me to falsify submitted documents. Another breached my confidentiality by disclosing information to the loan application on XX/XX/2022. Another also breached confidentiality while i was on the phone with my daughter on XX/XX/2022, but i never provided approval for the information to be divulged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-27
Company: EQUIFAX, INC.
State: CT
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 was a victim of identity theft, my personal information was stolen and used to open several different accounts. I submitted an FTC affidavit and a report from my local PD disputing these fraudulent accounts. I have not authorized the openings of these accounts and have no information on who opened these accounts. I have submitted several disputes to XXXX, Equifax and XXXX and they are refusing to remove these fraudulent accounts. I contacted the companies listed on my credit report for these fraudulently opened credit accounts and they could not give me information pertaining to these fraudulent accounts because I was told " my information does not match what is listed in their system. '' But every time I submit a dispute they are sending documentation to XXXX, Equifax and XXXX   saying that " I am the verified account holder. '' THESES COMPANIES HAVE ALL SUBMITTED DOCUMENTS INCLUDING A POLICE REPORT AND A FTC AFFIDAVIT. 

ACCT : XXXX XXXX  {$210.00} XXXX {$4600.00} XXXX XXXXXXXX XXXX   {$10000.00} ( These 2 accounts were removed and purchased by another lender and put back on my report ) XXXX XXXX XXXX {$9700.00}

Company response to consumer: Closed with explanation