BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: CA
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:
Contacted Experian and XXXX in regards to the validity of the bankruptcy associated with my credit report. This information is not accurate. There is a Bankruptcy report and accounts associated with the bankruptcy that need to be removed, due to the Creditor not complying with the law on how this was shared to my creditor. I have enclosed proof through XXXX XXXX that this information is not in my file for my credit. I obtained my credit report from you and there were U. S. Bankruptcy Court items listed. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX XXXX and Experian Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days. Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX XXXX and Experian Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.

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 2021-09-29
Company: Experian Information Solutions Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with XXXX XXXX accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

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 2022-05-03
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: Information belongs to someone else

Complaint:
I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, XXXX, and TransUnion to remove inaccurate/ false inquiries. XXXX is working to remove the inquiries. However, XXXX and TransUnion has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.

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 2023-04-06
Company: EQUIFAX, INC.
State: NJ
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:
To XXXX, XXXX, XXXX, Equifax, & NJ Attorney General A XXXX credit card was fraudulently opened in my name in XXXX XXXX. In XXXX XXXX I reached out to XXXX to inform them of this matter once I seen it on my XXXX credit report, they agreed to close the account. XXXX, XXXX, & Equifax removed the fraudulent account from my credit report however, this month it illegally reappeared on my credit report although the account was closed in XXXX due to fraud. I really need this fraud account removed from my credit report because I never opened this account. I submitted this report to FTC and CFPB. Someone please reach out to me so we can handle this illegal issue soon because I will soon be reaching out to my lawyer.By law, this account can not continue to be on my credit report if the account was not opened by me. Thank you. XXXX account ending in XXXX. Closed XX/XX/XXXX. Also, the account is inaccurately reporting that it was closed in XXXX XXXX which is also illegal. This account was closed in XXXX with a {$0.00} balance. All of a sudden the account is reappearing 6 months later with a balance of {$2300.00} which is false. This account was paid off at closing. I have 2 other accounts with XXXX in which I opened myself 4 years ago and I was making payments to this account as well which I was unaware of. Every time I submitted a payment, I was also paying off this account, unaware that I was paying a 3rd account. This account was paid off at closing on XX/XX/XXXX. That also need to be corrected. This whole account is inaccurate in many different ways which is illegal. I will not submit anymore payments to this illegal account and I need it removed from my credit profiles and investigated individually by each credit bureau and the Attorney General immediately. I also need the date of closing corrected to XX/XX/XXXX with a {$0.00} balance. I have not received a statement for this account since XXXX. All of a sudden a statement appeared in XXXX with {$2300.00}. I do not want to receive anymore statements for this account. I do not want to be harassed by XXXX regarding this account. They keep accusing me of opening the account after I continuously tell them that I did not open this 3rd account. I have made multiple payments to this account although I continuously tell them I did not open it. I have been told that this Is illegal and I will no longer pay them. I will handle this legally. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have been trying to dispute a chapter XXXX  bankruptcy ID # XXXX  listed o my credit for over a year now. I keep getting notifications from Experian, XXXX and XXXX stating the information has been verified from XXXX XXXX  and the court. I called the court and they stated they don't verify bankruptcies with the bureaus. I reached out to XXXX XXXX  about 2 months ago to have a freeze put on my account and I suppressed my files and I also contacted them and they stated they don't disclose any information on a consumers report to the bureaus either. At this point since neither the bureaus nor XXXX XXXX can provide me with sufficient validation of this debt with the original documents with my signature I am asking to have this removed to prevent further action.

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 2021-05-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I reviewed A copy of my credit report and it shows an account XXXX XXXX XXXX is not current with a balance of XXXX as of XX/XX/2021. This is a violation of The FDCPA if a charge off or collection account is reported with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
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:
In accordance with the Fair Credit Reporting Act XXXX Account # 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. 

I sent dispute letter on XX/XX/2023, pertaining to discrepancies reported incorrectly and XXXX, TransUnion and XXXX have yet to correct the following issues. 
report # XXXX XXXX XXXX XXXX I have also sent them letters asking how the validated the information was correct and have yet to receive a response. I asked them to remove any names and addresses that are not associated with the documents I have attached for reference.

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 2018-08-18
Company: Synovus Bank
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report this morning and found late payment on the dates below :XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements, which might of been applied to the wrong card as I have 2 of them. I specifically got this card to start building my credit systematically. My only thought is that my monthly statement did not get to me for the correct card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and according with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I am requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.

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 2018-08-18
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Recently, I disputed a charge for XXXX XXXX during layover in XXXX, GA. I ordered food and signed for the food. However, I had to leave very quickly, as they changed when and where my flight would take off. I told them this and they said that they would refund my money. When they didn't refund my money as promised, I contacted Discover. Discover did not do their job under the FCBA and is still holding the charge on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Hello, I reviewed A copy of my credit report and it shows an account XXXX XXXX XXXX is not current with a balance of XXXX as of XX/XX/2021. This is a violation of The FDCPA if a charge off or collection account is reported with a balance.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 2022-05-03
Company: Experian Information Solutions Inc.
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 is missing that should be on the report

Complaint:
ADDENDUM TO XXXX : XX/XX/2022 -- Still had a problem with logging directly into my account. I finally was able to get into my account by using XXXX email as an option to log in. When I got into my account, I immediately tried to change my password in my Profile, but the Experian website would not allow me to edit and create the new and correct information for my password. Not only this, but I also noticed that there was incorrect information on my credit report. I recently paid off one of my accounts in full on XX/XX/2022, but the information on my credit report in " Alerts '' instead reported a " higher credit usage of 32.4 % '' instead of a " credit decrease '', on XX/XX/2022. ( I had also previously called XXXX, XXXX XXXX, for this paid off credit card and asked " why '' this was reported to Experian in this manner, and the XXXX representative XXXX XXXX, XXXX me that this information had not been reported by XXXX XXXX and instead, to immediately contact Experian as Experian had placed this on my report ). I logged off. 
I then called Experian at XXXX again for the 6th time to report these two incidences. I spoke to Experian Representative, XXXX, who checked on the incorrect information in my credit report and said that she would submit this to the membership Department as a dispute and informed me that it would probably take at least 30 days to see the corrected information. XXXX then transferred me to XXXX, another Experian Representative, to help me with my login information. Although she tried, her instructions did not really help. But So DID give me the technical troubleshooting email which was previously denied in my first submitted complaint : XXXX. I hung up with XXXX  and tried again on my own to directly log into my Experian account, not doing anything differently, I was finally able to get in, create and set a new password. I then tested my username and password by logging out and logging in again to make sure that it worked. It did. I am now waiting to see if Experian will correct the incorrect information submitted. I would also like to know WHO reported the incorrect XX/XX/XXXX information and the process for reporting information to Experian, because, if Experian is allowed to just place incorrect information on a consumer 's credit report or a creditor such as XXXX, is allowed to report incorrect information, this behavior can strongly hurt and not help the consumer.

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 2018-08-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 PayPal advised me that Id have access to my available balance of {$500.00} 72 hours after I withdrew {$250.00} in two separate withdrawals to the same bank.

It was cancelled and reversed for no apparent reason but them gaining interest on holding the funds in reserve and not instantly transferring them like the advertise on there website. So I tried to withdraw my balance again a few days later for {$430.00} and the same exact experience that was happening to me, happened again, now I filed a dispute and then they decided to close my account and tell me I have to wait 180 days and theyll let me know when I can withdraw my property of money earned by me as a small business owner, Im fed up, I want them held accountable for false business practices and scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Three separate times in the last three years I have re-uploaded my Public Service Loan Forgiveness recertification. This is the re-certification that would put me over the 120 months needed to qualify for forgiveness. My account has not even been looked at ... in three years! I have tried calling multiple times but face hours on hold. I have emailed their customer service with no response. I keep re-uploading the certification as each time I log in to check progress, it is like I never uploaded it in the first place. This is quite frustrating as I have done everything on my part to complete the PSLF program but if they won't even acknowledge my recertification in three years, what is the point. Interest continues to accrue, and it is incredibly frustrating as this recertification is what I need to fulfill the terms of PSLF. I have over {$100000.00} in student loans in the balance until they finally address my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-29
Company: BlueChip Financial
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I took a loan of {$800.00} from spotloan with the agreement of making 8 biweekly payments of {$200.00} ending XX/XX/XXXX. Even though this was already an insane interest rate, I agreed since I needed the money. At the end of XXXX I missed a payment and when I received an email regarding this and that they were no longer authorized to withdrawal from my bank I was informed that my new payment schedule was to make 12 more biweekly payments of XXXX $ until XXXX of 2022. What the XXXX? So not only am I back at where I started paying off the loan but I have to make even more payments than originally agreed. On top of the XXXX $ I had already paid off! This is insane and has caused immense financial and emotional stress. These people know exactly what theyre doing and they dont give a XXXX. They swindle poor working class people in dire situations while they line their pockets with millions. Absolutely evil and disgusting. They deserve to not only be XXXX down, but also rot in jail and compensate families theyve caused financial distress to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation