BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On or about XX/XX/XXXX, I contacted XXXX to dispute an account on my consumer credit report. This account has been disputed multiple times, but each time, XXXX and credit bureaus report that the account meets FCRA requirements. In XX/XX/XXXX, I requested that XXXX provide me with documentation proving that I opened the account. XXXX sent a billing statement with my Name, Former address, and Phone number. I have never been associated with that phone number. Please see the attached documents. I am disputing ownership of the account. I have not owned any XXXX XXXX XXXX XXXX XXXX at the specified address and the phone number associated with it. I owned an XXXX XXXX XXXX XXXXXXXX at the specified address. Additionally, I lived at XXXX XXXX XXXX, XXXX Ca XXXX from XX/XX/XXXX and not XXXX XXXX XXXX, XXXX Ca XXXX. At the same time I had 2 cell phone lines opened : XXXX and XXXX. I would know If I had another account with XXXX. I didn't open that account based on the information provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: CURO Intermediate Holdings
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: Account information incorrect

Complaint:
These Accounts : ( 1. ) XXXX XXXX XXXX XXXX XXXX ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXX XXXX XXXX ( 4. ) XXXX XXXX XXXX ( 5. ) XXXX XXXX XXXX XXXX BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( EXPERIAN, EQUIFAX, OR TRANSUNION ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/ at around XXXX XXXX, I received an email from PayPal stating that XXXX XXXX sent me {$27.00} ( XXXX XXXX XXXX. That same day, around XXXX XXXX I received another email from PayPal stating that XXXX XXXX had started a conversation ( see XXXX ). I joined that conversation, where she stated that she sent that money by mistake and I told her that I could refund it minus the fee that PayPal does not refund ( and to which I never agreed on, that fee for this transaction was {$0.00} ), which came to a total of {$26.00} ( {$27.00} - {$0.00}, see XXXX ). In that same conversation she noted that this was okay. At around XXXX XXXX, i received an email from PayPal that a dispute that been opened for the {$0.00} ( see XXXX ). This sounded like a contradictory statement made by XXXX XXXX on the conversation she had opened. Furthermore, when viewing the complaint itself ( see XXXX ), she mentioned that the issue was " Item not received ''. I never sold XXXX XXXX any goods and prior to this encounter, I had never met her. She sent money to the wrong account, asked me to return it, and I returned it, minus the fee charged by PayPal ( deceptive practices ). There is no reason why I need to pay out of my own pocket for the mistakes of others. The appropriate thing to do, like all other financial systems, is to refund both, the money and fees, thus PayPal deceptive practices which attempt to rob people from their hard earned money. I attempted to contact PayPal via phone ( twice ) and left messages on their chat line, but all attempts were unanswered. 
On XXXX XXXX XXXX  I submitted information about the dispute, mentioning the same information found on XXXX and received an email that they had received my information ( see XXXX ). On XXXX XXXX XXXX I received an email that from PayPal with the title " We've decided in the buyer 's favor '' and deducted the {$0.00}, leaving my account XXXX XXXX. This is an unfair practice, especially since I never asked for any money, the sender agreed to the partial refund ( due to the unfair PayPal fee charge ), and I have to pay out of pocket for this? I would like a refund as well as an investigation into these unfair PayPal practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-11
Company: Business Revenue Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reference # XXXX Re : XXXX XXXX XXXX XXXX XXXX. 
Total amount of debt : {$50.00} Please inform the above firm ( XXXX XXXX XXXX ) that the above amount has been paid on the same day the service was provided, which was on XX/XX/2023. 

RECEIPT # XXXX The total amount paid for was charged {$59.00} Check # XXXX ***provided by XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: PA
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:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : firstpoint coll resources These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN GDIR CEO ION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding this account be deleted immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: CITIBANK, N.A.
State: NJ
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:
In XX/XX/XXXX I received a Best Buy card in the mail which I had not applied for. I immediately called the company who owns the Credit Card, Citibank, and explained I had not opened the card & did not charge anything on it. They immediately shut down the card, but did not take care of the fraudulent charges to the card. I keep getting notifications that I owe money to them, but I do not since I did not open or charge anything to card. I found out through Best Buy that the purchase was made online on XX/XX/XXXX for an XXXX XXXX and picked up at a the XXXX Best Buy store, which I have never been to. Someone must have used some sort of fake ID to pick up the product. Please help.

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 2021-06-10
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In 2019, I notified my apartment complex that I was vacating the apartment. I received a short term lease as a result. As well as being in constant communication in person and via email regarding the exact date in advance according to Washington state laws I would vacate the apartment therefore needed a checkout walkthrough. I received an alert in 2019 that a collection was placed on my credit report, called and emailed the company with no results. The apartment complex threatened a lawsuit for extra days and a few months as intimidation instead. I sent them and the credit bureaus supporting documentation and it had a status of resolved. I have now been notified that they've updated the disputed information with a higher amount for these charges. They are aware I don't owe anything. They are aware that it is affecting my credit scores. This is highly deceptive practices to update my credit reports years later. I am assuming in hopes that I don't have any documentation to support my claim is the reason for the new update. My access to my leases had a specific timeframe that would also allow me to access the communication between the leasing office as well. This update is happening now that the access has expired. Based on recent reviews on XXXX XXXX XXXX and other websites, this seems to be their standard deceptive practice to file collections for amount ranging around {$3000.00} upon move out. They did a walkthrough after I had left because they stated they were unavailable up until my last date to vacate even though I had moved days before to allow them time to review the apartment. I was told I owe for some carpet due to pet damage otherwise didn't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Companies keep denying my credit or placing holds on my account because they are " unable to verify my information '' with data from Transunion. I tried requesting my credit report from them due to denied credit, and they sent me a blank report. I tried to create an account online, and I submitted the correct verification codes sent to my mobile and email, but they denied me an account, saying they can not verify my identity. Then they invited me to contact them for help via social media ( very insecure, and I'm prohibited from using social media ) or on the phone ( I can't hear well and long phone calls like this are very draining for me ). 
I have good credit, a valid driver 's license, several bank accounts-all in good standing-with no missed payments or delinquencies, no criminal record for fraud or theft, no suspicious activity, and no history of identity theft. I shouldn't have to call a call center in XXXX for an hour EVERY single time I create an account with a company. I can verify my identity with a notary or send a copy of my license or something for the purposes of this complaint, but I'm tired of calling numbers and still being told they can't verify my information. I need to dispute inaccurate information with someone who is fully authorized to make changes without a supervisor. 
I have attached the blank credit report they sent me when I asked for one.

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 2022-03-17
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I was approved for a XXXX XXXX Credit Card through XXXX in or about XX/XX/XXXX. This account was reported on all 3 Credit Agencys including equifax. As of XXXX, XX/XX/XXXX, i pulled all 3 reports from XXXX, Equifax and XXXX. I noticed the XXXX XXXX XXXX credit card is no loner on my file with equifax even though i have previous reports showing XXXX XXXX was reported to equifax monthly. 

Last XXXX of the Credit Card is XXXX This Account with XXXX XXXX XXXX needs to be fixed immediately and added back onto my equifax credit profile as it should have never been wrongly removed. 

Im attaching an XX/XX/XXXX Equifax report that shows XXXX XXXX XXXX in the report, and todays Report XX/XX/XXXX where XXXX XXXX XXXX bank is no longer showing. 

This is an active account and should of never been removed. 

I reserve all rights under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: AFNI INC.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... AFNI ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
XXXX I want the following concerns addressed as soon as possible : Refrain from foreclosures proceedings Message email from XXXX XXXX Void repayment plan paying XXXX a month I only bring home XXXX. 
Ignoring my financial and health hardship ( XXXX  XXXX XXXX ) Messages from Doctors ' Please refrain from starting any foreclosure proceedings, I have been working hard as sick as I am trying to come up with a resolution. 

Frist of all, I am writing again to XXXX  to file another complaint with SPS and mail the complaint to the owner of my mortgage which is XXXX XXXX XXXX XXXX XXXX. 

I want SPS to look at the repayment plan, the monthly payments are too high and i simply can not afford them right now because I a being impacted by the new XXXX virus and a XXXX  XXXX XXXX such as XXXX  XXXX XXXX. 

I am writing to the Department of Housing and Urban Development to find out how I can get help in taking care of my mortgage. 

I am XXXX XXXX XXXX and facing serious financial and health hardship, I feel that there was error were made and I want to appeal the decision of SPS. I think it is wrong to charge me a large monthly payment when I am struggling. 
Your letter asks to understand my financial situation so you can possibly request an exception. What exactly does this mean? I sent you a new income and expense worksheet explaining my financial situation, I don't believe none of you even looked at it. 

Finally, your letter states that XXXX is my assigned Relationship Manager, she is yet to reach me, I have emailed her several times and I have not received any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: AMERICAN EXPRESS COMPANY
State: UT
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:
American Express # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have a set of 4 loans that were delinquent at one point but since have been resolved. the agencies are reporting the very old accounts, the middle accounts, and the new ones. the same set of accounts appears 12 times. the initial accounts are far too old to be on my report. they were last active in XXXX of 2012. I have disputed the age of these and they say they are valid. there cant be 4 accounts listed 3 times each. with one set of three being over 7 years old.

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