BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: LA
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 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 XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Commonwealth Financial Systems, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ok, first off I filed a dispute, and then I get another collections on my credit report. Well that is not appreciated and not very good business tactics. I Mean I have no idea who u are or what debt ur trying to get but im the wrong person.Everytime I have tried to get this off of my report it ends up right back on there WITH NO EXPLANATION! so there for if this is not off my credit I will get a lawyer IMMEDIATELY. I have a family to raise and all this covid 19 going on and now I have to deal with a greedy company trying to give me the SAME DEBT TWICE SO THEY ARE TRING TO CHARGE ME IM ASSUMING FOR THE SAME DEBT UNDER 2 DIFFERENT COMPANY NAMES " XXXX XXXX XXXX  '' AND " COMMONWEALTH FINANCES '' THAT ALONE IM CERTAIN HIGHLY ILLEGAL! AND ME NOT EVEN KNOWING WHO U ARE TO START WITH. NO ITS NOT GOING TO WORK LIKE THAT IM NOT THAT PERSON. SO THIS NEEDS TOOK CARE OF AS SOON AS POSSIBLE CAUSE IM NOT PAYING SOMETHING THAT IS NOT MINE UR TAKING FROM MY FAMILY WITH ALL THIS AND I DONT TAKE THAT LIGHTLY. SO THIS IS ME ASKING NICELY TO TAKE IT OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is notice that XXXX, XXXX and TransUnion are reporting the following charge off accounts on my report. I have notified the Companies that have charged off the accounts that I didn't understand and made an uninformed decision at the time of the agreement as it was not clear and conspicuous. 
You may want to have this information removed or you will be held liable as well. 
I have listed the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Unknown 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 2022-01-03
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, XXXX I was notified via email from PayPal that I had sold an oil painting to a collector in XXXXXXXX XXXX, XXXX for {$490.00}. USD. The collector had seen the work on my website. This was a first for me via PayPal. I logged on to my account and minus a fee of {$25.00} my account showed a balance of {$460.00}. On XX/XX/XXXX I had to go to Paypal 's Resolution Center to provide additional information which I gave.I provided a link to my bank account. I called PayPal who told me to upload info about shipping info via USPS which I did. I was told money would be transferable when my package was received by XXXX purchaser. I tracked progress of shipping through USPS and purchaser received the painting XX/XX/XXXX. On XX/XX/XXXX I received an email from PayPal saying my info was under review. On XX/XX/XXXX I received another email from them saying that I can no longer do business with PayPal. I called again. On XX/XX/XXXX XXXX AM another email said my acct. had been partially restored. At XXXX another message said I can no longer do business with PayPal XXXX 
This is outrageous behavior : what have I done wrong? I am caring for a sick wife with XXXX  XXXX and need the money now, not in 180 days as PP said. If this can not be resolved I have no choice but to contact a lawyer and sue, something I have never done in my XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-24
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XXXX XXXX I made a large furniture purchase to replace all my flood damaged living room furniture at XXXX of {$11000.00}. I errantly gave the salesman my XXXX Citi Visa Card which had a {$9500.00} limit instead of my XXXX XXXX card which has a large limit. Citibank approved the transaction although it was almost {$2000.00} over my limit. If they had declined the card I would have immediately known I had used the wrong card. I did not realize the error until I returned home and noticed the last for digits of the Costco Visa XXXX were on the invoice. I called Citi and wanted to pay the entire balance off right then and there. The agent said it was still pending and I would have to wait until it posted. The statement closing date was XX/XX/XXXX during a three day holiday weekend. I called back at least four times trying to pay this balance off in full. The agents could not do it and the website would not allow me to pay because it was still pending XX/XX/XXXX the statement closing date. On the morning of the XXXX I made the full balance payment of {$11000.00} after an email from Citi on the XXXX said the charge had finally posted and my full payment was made then. My complaint is Citi posted the {$11000.00} on the XX/XX/XXXX statement after telling me it was still pending. This caused Citi to report to all the three major credit bureaus I was over my limit destroying my XXXX plus credit rating after repeatedly telling me it was pending. Deceptive and untruthful was Citibank. I want an explanation and removal of the information from my credit reports.

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 2022-01-03
Company: Professional Finance Company, Inc.
State: ME
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:
I am challenging the accuracy and integrity of the account type information contained on this report furnished by Maine  XXXX XXXX XXXX. The account was reported during a global pandemic when there was an executive order not to report derogatory information to the agencies. I am a veteran and the information being reported includes information that is affecting my creditworthiness. The information in the furnisher 's possession about the account is misleading in evaluating my ( the ) consumer 's creditworthiness, credit standing, credit capacity, character, general reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND I'M HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING COLLECTIONS ACCOUNTS AND LATE PAYMENTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMER 'S CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT LATE PAYMENTS AND COLLECTIONS ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!

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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions DELETE THESE ACCOUNTS AND INQUIRES IMMEDIATELY FROM THE CREDIT REPORT. 

Collection : XXXX  Account Number : XXXX Account Status : Charge Off Open Date : XX/XX/2021 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 2022-12-30
Company: LD Holdings Group, LLC
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I was in deferment for 18 months with a VA backing for the Deferment the VA paid the {$24000.00} deferment and now the company is claiming that I still owe after they told me I was paid in full I have it on recording were they told me I was paid up to date everything was good and now theyre claiming I still owe XXXX something dollars when I asked for my documentation to prove that I do not owe they are refusing to give me documentation that I request they have yet to receive give me my deferment paperwork And it looks like they were putting it into foreclosure not a deferment they did not do what they said they were doing. They lied to me. They have lied to me several times I have it on recording and when I say you already told me I was paid in full. I have it on recording they say oh my bad we were wrong. We need to fix this you still owe and I think thats wrong. They refused to prove the numbers they have changed. My monthly payments claimed I wasnt making monthly payments charged me fees for late fees when I wasnt supposed to get them, but yet refused to send me the documentation, even my lawyer was refused documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
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:
In accordance with the Fair Credit Report Act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 Section 604 A. States I have rights 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.

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 2021-01-22
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
On XX/XX/2020, I requested that LexisNexis validated the Banktuptcy listed on my LexisNexis consumer file. I received no answer, and on XX/XX/2020 I sent a follow up letter again requesting from LexisNexis to send me the documents that they used to verify the bankruptcy, and if such documents can't be produced to delete from my report. I received a letter back from LexisNexis on XX/XX/XXXX, more than 60 days after my initial request, dated with XX/XX/2020. In The letter LexisNexis claims that they verified the bankruptcy and it's accurately reporting on the report. They failed to fulfill my request to provide the documents and procedure they used to determine the accuracy of the disputed bankruptcy. In the letter LexisNexis include that the Fair Credit Reporting Act gives me the right to request a description of the procedures used to determine accuracy, however they fail to provide said information as requested in my 2 letters sent to LexisNexis in XXXX and XXXX. Furthermore neither court or pacer report to or verify accuracy of information to 3rd pats companies, and existence of the information is not evidence and can't be used to verify who it belongs to. LexisNexis Case numbers listed on the communication sent to me : XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: DE
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: SD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2023, Experian decreased my credit score by XXXX points. Logging onto the Experian website shows no negative marks or any reasons why my credit score would drop by XXXX points. I know and understand that credit scores fluctuate as I have generally seen mine move XXXX points due to when I pay my credit cards. I tried calling them everyday for the past week, but the phone number listed on their website but only rings to an automated phone system which you have to XXXX the hacks to get a human being because their automated system is nothing but the same information on their website but just takes more time. I have found 5 other phone numbers and for each one of them ring the same automated voice system. I have been able to get a hold of their member services, customer support and eventually got their disputes. Not one of them could give reasonable answers. Several suggested I would need to order their biggest online subscription and they could help then. One suggested getting a lawyer to just get answers as to why my credit score dropped XXXX points. One suggested because I pay off my credit card balances every month that my credit score can drop by XXXX points. Another one suggested that it is not their problem and hung up. I have ordered my credit reports but will take 15 days to get them. By then Experian will claim it is too late to do anything. Everything about this experience with Experian has turned into a scam of me. Do they not work for we the people of the United States?

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 2023-06-25
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I got the below alert from XXXX XXXX that someone tried to open below credit card. 

ALERT TYPE- Inquiry ALERT SUB TYPE New Inquiry SOURCE XXXX ALERT DATE XX/XX/2023 INQUIRY DATE NAME BARCLAYS BANK DELAWARE PHONE ( XXXX ) XXXX XXXX ADDRESS 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 2022-09-14
Company: Experian Information Solutions 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:
First I must begin with my information was part of the massive XXXX data leak back in XXXX. I had a pretty rough time with credit years ago, but never really cared enough to check my credit at all until recently. 
My credit report has been mixed up and merged with another persons and instead of immediately deleting the fraudulent and incorrect information, Experian keeps opening new disputes for me when I call and then updating the personal information to match mine instead! I didnt want a dispute! I wanted the information deleted. 

Starting towards the beginning of XX/XX/XXXX I began calling and discussing with Experian a couple of accounts/inquiries I didnt recognize as mine and wanted deleted. They instead opened a dispute for me, updated those accounts to link them to me and kept them on my profile when the dispute was completed. 

Then I had an entire bulk of additional accounts that were also in someone elses name added to my credit on top of that. Once again, I called and spoke with an associate at Experian and they insisted they could erase information immediately even after I explained what happened before. They insisted that they would code everything right for deletion. So they opened another dispute for me and then the information was, once again, just updated and remained on my report. 

These accounts were completely in someone elses name, address and SS # however Experian not only left them on my account. They updated the names, addresses and SS # during their disputes to match my information! 

Thats completely unethical and illegal in my personal opinion. All the bureaus pool information together from these consumer reporting agencies, thatre just random third parties that have no real way of validation. Whos going to hold the 3 bureaus or all the consumer reporting agencies accountable for these mistakes or fine them for their wrongdoings? Absolutely no one. They have no fear in putting anything they want on anyones credit report, regardless of the outcome for their financial situation. 

I request IMMEDIATE removal or verification of all accounts in question and have lost faith completely all the credit reporting and consumer reporting bureaus for reporting false or incorrect information so freely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: SF VAGO, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an auto loan account with Statefarm ( EMVLP LLC ) as well as other products. I have been a customer with them for over 8 years. For this particular loan, in XXXX XXXX XXXX I was late on a payment. I took the extension that was offered but due to the pandemic and loss of employment, I was still behind and missed one payment. Ever since I caught up I have not been late. I have emailed the CEO XXXX XXXX and talked to a supervisor by the name of XXXX for a courtesy update and a goodwill removal. They were not polite with their responses and showed no empathy for my situation as someone who was directly impacted by the pandemic. This is affecting my ability to apply for other loans as it reports on my credit statements as a derogatory mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
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:
Saw on a recent pull of my credit report that there was 120 late notification of a charge card that I never applied for on XX/XX/XXXX. The amount was approx {$360.00}. I called the company XXXX and notified them that I never applied for this card and it is fraud. I asked where was a physical card delivered. They gave me an address in TN. An address that I haven't lived in for over 5 years. I currently live in XXXX and have been here since 2021. I am working over here as a civilian but for the XXXX and can attach my orders if necessary. They stated they will cancel the card and will investigate, and someone will reach out to me for further details. No one reached out to me. 

I filed a dispute with all 3 reporting agencies. Transunion 's investigation was finished in less than a week, stating it was accurate. No way it is accurate as anything that was delivered was delivered to an address that I do not live at nor do I have any friends or family at that address. 

ID Theft Report from the FTC is attached.

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