BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: MA
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 am writing to formally submit a complaint to the Consumer Financial Protection Bureau concerning erroneous information present on my Equifax credit report. Despite my initial communication with Equifax on XX/XX/XXXX, I have not received any response or corrective measures up to the present date. The following outlines the inaccuracies that necessitate immediate attention and resolution : XXXX. Account Verification Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} I hereby request Equifax to verify the accuracy of the XXXX account ( Date Opened : XX/XX/XXXX ) due to the questionable reported balance of {$440.00}. This balance appears excessively high and does not align with my recollection of the amount owed. Furthermore, as Equifax has classified this account as closed and charged-off, the presentation of a Past Due amount is inappropriate. In light of these discrepancies, I intend to engage in direct communication with the creditor to rectify this matter. While these efforts are underway, I kindly request that Equifax mark this account as disputed, thereby preventing any further detrimental impact on my credit score. Additionally, I urge Equifax to verify the Date Opened, Date of Status, and First Reported details associated with this account. 


XXXX. Account Removal Request : Account Name : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} XXXX formally request the expeditious removal of the XXXX account ( Date Opened : XX/XX/XXXX ) from my Equifax credit report, as this account is not associated with me. 


XXXX. Account Removal Request : Account Name : COLLECTION Date Opened : XX/XX/XXXX Balance : {$310.00} Additionally, I request the immediate elimination of the COLLECTION account ( Date Opened : XX/XX/XXXX ) from my Equifax credit report, as this account is not linked to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
was checking my credit report, XX/XX/2023 and I realize I saw some accounts in collections on my report that are in accurate and out of date and still reporting...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXX GA - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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 got these negative items from unknown companies to show up on my 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 non-monetary relief
Consumer complaint received 2020-12-18
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Company is not appropriately reviewing the documentation submitted regarding a disputed item, and is refusing to issue a provisional credit, despite the clear preponderance of the evidence. Company has an agreement with the merchant, which is the key reason for this behavior, and is resulting in an appearance of bias on the part the Company vis-a-vis the merchant. It may also be a violation of the Fair Credit Billing Act. Please see attached letter for more detailed explanation and documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's dental work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Experian Information Solutions 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts.

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 2023-03-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 : XXXXXXXX XXXX  Account XXXX Account Name : XXXX XXXXXXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more tha

n seven years. 15 U.S.C. 1681s
-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Hello, I am writing to you in order to ask you for help and delete these accounts that are not mine. I think I am a victim of identity theft otherwise I can not understand how come they appear in my credit report, like its super strange. I do not have any contracts or any other agreements with this companies. 

Thank you and I hope you will remove them as soon as possible.

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 2023-09-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16
Company: Google Compare Credit Cards Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Two transactions were wired from my account- {$100.00} on XX/XX/XXXX, and {$150.00} on XX/XX/XXXX by Google Pay for cleaning fees for a house rental. Once I had realized this was all a scam, I had contacted Google Pay twice ( within their 120 day claim period ), to notify them of the scam and dispute the charges. They denied both claims, and tried to tell me this transaction was valid ; that I had actually received the lodging and cleaning services. I tried to put in another claim a couple days ago - XX/XX/XXXX, and they were actually willing to look into it..then they had realized it was past their 120 day claim period, so they just told me they couldnt take care of it. I could understand if this had been my first claim ever a couple days ago, but it wasnt, and Google Pay just kept denying my claim basically until the 120 day period passed, so they wouldnt have to deal with giving me a refund. I kept trying to tell them that its their fault the 120 day period had even passed ; that they didnt investigate this well enough during my first two claims. They are literally allowing scammers to keep ripping consumers off by denying claims! I am going to keep fighting for my refund until I get it back. I will never use Google Pay again after this is resolved. Horrible business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A credit card a payment I've been paid long time ago and also school loan and stole my taxes XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
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 belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 non-monetary relief
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to express my deep concern about the recent decision by PayPal to permanently limit my account. I strongly believe that this limitation was placed by mistake and that I have not violated any PayPal policies. 

I have been a loyal PayPal customer for many years, and I have always conducted my transactions with utmost honesty and integrity. I have never engaged in any fraudulent or malicious activities, and I have always followed the rules and regulations set forth by PayPal. 

I am therefore shocked and dismayed by this decision, which has left me feeling completely helpless and without any recourse. I have tried to contact PayPal to understand the reasons for this limitation, but I have not received any satisfactory response so far. 

I would like to take this opportunity to request PayPal to re-investigate my case and restore my account, if possible. I am willing to cooperate fully with PayPal and provide any information or documentation that is required to resolve this matter. 

I strongly believe that this limitation was placed in error, and I am confident that a thorough investigation will reveal the same. I kindly request PayPal to provide me with an opportunity to prove my innocence and restore my account. 

I would also like to reiterate that the email address associated with my PayPal account is XXXX. Please do not hesitate to contact me if you require any further information or clarification. 

Thank you for your attention to this matter, and I look forward to a positive resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an XXXX card and did a purchase 12 months with no interest. I had a regular balance on the card as well so I did a payment that covered both the promotional balance/12 as well as paying off the regular part of the card. The promotional amount was {$680.00}, and in the statement the amount due for the promotional balance was not split out anywhere, so I did the calculation myself. It was $ XXXX which equaled {$57.00}, so I made that part of the payment for {$57.00} and paid off the rest of the balance of {$84.00} on XX/XX/XXXX. The bank rather than rounding as normal, rounded up to {$57.00} which left me XXXX cent short in paying off the card. Because of this, I was assessed interest on the non-promotional balance for {$11.00}. I called the bank on XX/XX/XXXX to try to resolve this and they refused to refund the interest charge. 

I have two major issues, the first is that they don't split out anywhere on the statement what the promotional part of the payment is, which leads to issues like this and the second is that they would not refund the interest fee even though they're using non-standard methodology in rounding.

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 monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have informed the three credit bureaus Transunion, XXXX, XXXX. That I was a victim of identity theft however, they still have not removed them from my 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 non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: EQUIFAX, INC.
State: MD
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
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 status incorrect

Complaint:
I have mortgage account with XXXX XXXX ( Litigation department : XXXX XXXX XXXX ). In XXXX, XXXX I have requested forbearance program due to COVID-19. Soon I have recovered and financials and requested the cancellation of forbearance program in XXXX. Ans I have paid two payments on XXXX and I am current since then. Recently I am applying another mortgage and I have asked XXXX bank to issue the completion letter several times by calling in from XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. They do not know even they have sent out the letter or not. Some agent in the bank said they have sent out. Also my new mortgage broker told me that XXXX bank did not report to Credit Bureau to remove the forbearance record which shows still my payment is " XXXX ''. The time is of essence because I have a deadline for new mortgage commitment date. 
I am in danger to loose my new mortgage loan opportunity if they take a action quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notification from Wells Fargo stating my account has had lender place insurance on it. The letter was encouraging me to refinance with them to have it removed. I was never aware I had this on my account because I have always carried enough insurance to cover everything. I called them and the person told me I can only have it removed if I refinanced and that I signed an acknowledgment stating it can be placed on my account if I failed to cover enough and/or provide them proof whenever requested. I have never received one phone call, email, or letter in the mail from Wells Fargo requesting proof of my insurance coverage and I do have enough coverage. I also checked my online banking and their has been no alerts or messages to me. I dove a little deeper and saw they did charge my mortgage over a 900 dollar fee for this. I called and was told no fees will be returned and the lender placed insurance will not be removed. 
I feel like this is an UDAAP violation. I should be given the opportunity to provide evidence of my insurance coverage. Wells Fargo has made no documented attempts to contact me about needing to verify my insurance. The crazy thing is just last year I did an assumption to remove my ex husband from the mortgage and even provided evidence during that process. I find it a bit odd that the only attempt to contact me about the force placed insurance is by an opportunity to refinance my mortgage. This makes me feel like Wells Fargo is trying to gain more in fees and also doesn't like my really low interest rate. The associate was also trying to spin it like it is a good tax write off ... ..I feel like they had some scripts ready for this type of call Please help in removing this insurance and crediting me back all fees I acquired by 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