BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX, I booked a trip for my daughter using XXXX. We cancelled the trip ahead of time and XXXX was to reimburse me. XXXX delayed providing the credit, however, continued to indicate that the credit would be posted right away. 

The credit card used was a XXXXXXXX XXXX XXXX for XXXX XXXX. XXXX no longer has any records of my activities, since I closed the card, once XXXX provided the reimbursement. 

I pay my credit cards on time and would like for this to be removed. Thank you for your assistance.

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 2018-11-06
Company: EQUIFAX, INC.
State: PA
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:
After checking my credit reports, I was disgruntled to discover that a inaccurate 30 Days Past Due was posted. I have been very vigilante with paying my credit card on time and have never missed a payment. I take my credit health very seriously and am shocked that such an error and mistake has been able to slip through. This account has never been paid late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: EQUIFAX, INC.
State: MD
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:
Equifax is practicing an unfair and rigged teeter-totter with a consumers score. If I one uses some of their available credit, they decrease their score by leaps and bounds but when I payments are made to decrease % utilization by paying off the debt and increasing again the credit available they only increase my peoples score by a fraction of what they take away based on the same amount. Just recently, they took 39 ( -39 ) points off my score when I paid off XXXX dollars of my total debt. This is the total opposite of what they should do and normally do. Every month or week they change and invent new scams to decrease the score and then bring it back up very slowly to keep people in the same range. This is the biggest scam to consumers that I have ever seen and should be stopped. It is a fraud being done to millions of consumers without any protection from the government. They run this scam wildly and cheat millions of people causing them to pay higher rates and to suffer many unjust consequences that come from low credit scores. I have been paying all my bills for years, but I have never been able to reach a normal level of credit higher than 600 because they purposely keep maneuvering the algorithm to keep people stuck in the same place. Have Equifax restore my score and have the cognizant government agency for this company and the other credit reporting agencies to analyze their practice as I truly believe they are flawed and skewed against the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions 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:
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.

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 2023-03-29
Company: EQUIFAX, INC.
State: LA
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:
See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer 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. 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. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. 

Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Allied Collection Services, Inc. (Nevada)
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lost my credentials, and around that time my information was used to apply for housing in a state Ive never even been a resident in. On XX/XX/2021 that activity showed up on my credit report, and I tried to explain to the company I wasnt even aware of this, nor do I live in the state where the activity was applied to. No progress has been made.

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 2023-03-29
Company: EQUIFAX, INC.
State: RI
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 the same account on my credit report was inaccurate when I reviewed it. The 3 credit bureaus must validate this account. 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 inaccurate account that needs to be investigated and updated : XXXX XXXX XXXX : {$160000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Someone hacked my account and is now using my identity to contact you. My name is XXXX XXXX XXXX and they contacted you as XXXX XXXX that is not me. Please fix this. I am the real 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 2021-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 trail/Certified Final Forensic Internal Audit 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 G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L 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 2020-08-10
Company: GUARANTEED RATE INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Guaranteed Rate Affinity refuses to provide me with an updated closing disclosure which I have a right to bylaw. 
XXXX XXXX has been my point of contact for the mortgage lending process with this company. The company seemed to operate quite efficiently especially when dealing with various members of the company such as XXXX XXXX and XXXX XXXX. These individuals would requestdocumentation and I would provide the documentation in a timely manner making the process efficient and painless until it wasn't. Everything was well until the closing disclosure. 
On Tuesday, XX/XX/XXXX, I received an email alerting me to anactivity as part of my to-do list that was sent from XXXX. After opening it the next morning ( didn't know it was time sensitive ) and noticing the incorrect and missingformation, I immediately alerted XXXX and XXXX via email at XXXX. I then followed up with another email at XXXX, with questionsfor items that did not make sense such as HOA fees when there are no HOA fees. Although those questions have remained unanswered, XXXX did respond and acknowledge that the corrected/updatedCD would be sent that day. Needless to say, I did not receive the updated CD that day or any other day since, and closing/settlement is scheduled for tomorrow - Monday XX/XX/XXXX which was pushed back as a result. Additionally, I did ask whether Settlement could be held on Saturday, but XXXX and XXXX stated ( via email ) that the Title company did not operate on Saturdays and that it has to be a weekday. However, the title company was available on Saturday, XX/XX/XXXX, to conduct settlement, but it was GuaranteedRate Affinity did not want to " operate '' on Saturday. In the end, all parties had no choice but to wait to hold settlement on Monday, XX/XX/XXXX, which resulted in Guaranteed Rate having more than enough time to correct and send the updated CD before the weekend. 
On XX/XX/XXXX, I made one last effort to reach out to the company via email and included the company 's Regional Manager, XXXX XXXX and I have not received any of my documents or communication acknowledging my requests as well as my recent email. I was told by my realtor that the Title company received the updated CD, but I nothing has been sent to me and I need to ensure that I have no questions and the missing information has been included. I'm left to wonder why the company is purposefully not providing me the documents and I am seriously questioning the integrity. This is horrible and sad and I'm beyond frustrated. I just want what is expected ... ..correct and updated documentation provided in compliance with state and federal laws as well as company policies and procedures. I'm hoping that this email can prevent this from happening to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I work at a XXXX XXXX and have been planning my life, essentially, around being able to discharge my loans after 10 years of consecutive repayments to NAVIENT. I have only Federal Direct Loans. 
My loan payment is enormous -- {$530.00} a month for a single mother of XXXX. However they only calculate the loan based on income. When I went to apply for public service loan forgiveness, I was told -- for the first time -- that I did not qualify because I wasn't doing " income-based repayment, '' a form of repayment that would nearly double my monthly payments. I can barely make my monthly payments as it is. No one said ANYTHING about having to be on income-based repayment when I was told I could get loan forgiveness for working at a XXXX XXXX 11 years ago. I believe I have been a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: MI
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:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, on XX/XX/2023 I applied for a credit card application XXXX due to Capital One pre approval advertising and I was given good news stating I was pre approved for XXXX different cards so I decided to apply based off the good news Capital One stated and was denied. I was mislead and did some research and Capital One is already facing a class action for " Dark Patterns '' in the state of New Jersey case # XXXX. I have met all the Capital One requirements and I already have a Quicksilver card in perfect standings with a XXXX credit line and have excellent credit based off the three credit bureaus in the United States. This has affected my credit report in negative way and has caused unnecessary stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-08-10
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: Was not notified of investigation status or results

Complaint:
On ( XX/XX/2020 ) I 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 i'm 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 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong person hands.

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 2021-05-11
Company: Cash Link USA, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
There appears to be a discrepancy in my loan contract vs my actual payment schedule. I paid extra toward this loan and my payment amount has not gone down. To date I have paid {$450.00} on a {$500.00} loan.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-05-25
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support, I am writing to you to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation has been imposed in error, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. I kindly request that you re-evaluate my case and restore my account, allowing me to resume using PayPal 's services. 

To the best of my knowledge, I have always complied with PayPal 's terms and conditions since I opened my account. I have used it responsibly for various transactions, including personal payments and online purchases. I have always strived to maintain a positive and trustworthy relationship with PayPal, and I am genuinely surprised by the permanent limitation imposed on my account. 

I would like to emphasize that I have not participated in any prohibited activities, such as fraudulent transactions, unauthorized access, or any form of malicious activity. I have consistently adhered to PayPal 's policies and guidelines, conducting my transactions in a legitimate and ethical manner. It is my sincere belief that my account has been mistakenly flagged for violation, leading to the unjust restriction. 

Given the circumstances, I kindly request that PayPal undertake a thorough re-evaluation of my case. I implore you to conduct a comprehensive investigation into my account activity, including the specific reasons that led to the permanent limitation. I am confident that upon review, you will find no evidence of any wrongdoing on my part. Therefore, I humbly request that you consider reinstating my PayPal account, allowing me to continue utilizing your platform with the same level of trust and confidence as before. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that all correspondence regarding this appeal be directed to the provided email address, as it is the primary method of contact associated with my account. 

I would like to express my utmost appreciation for your attention to this matter and your prompt consideration of my appeal. I have always valued PayPal as a trusted and reliable financial platform, and I sincerely hope that this misunderstanding can be rectified. I am eager to resolve this issue amicably and look forward to a favorable response from PayPal. 

Thank you for your time and understanding. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation