BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: MI
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:
First off they have been reporting my student loans as late and they have never been late they have inquiries hard inquiries on there from real estate companies that I don't know where they came from cuz I haven't applied for any house because I'm on XXXX XXXX  and I've been disputing and trying to get them to get it right for the longest my credit score is not what it should be and I'm just so tired of dealing with them is stopping me from doing a lot of things they give me a credit card offers that they say I'll be approved for and I never be approved I'm always denied they lie about a lot of offers and I'm always denied I need help with my credit because I'm trying to further my future and I need my credit to be straight I have a school on there where my identity was stolen and they were supposed to take it off so many years ago and they still have not the school was found in delinquent of overcharging students as it was but I'm not the one who got the student loan and it was from the XXXX XXXX XXXXXXXX so I'm asking for help please I'm tired of dealing with them they don't do anything they're supposed to do at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My friend, paid me {$40.00} thru paypal for my lawn service. Next he sent {$3.00} when I mentioned to him that I would have to pay an atm fee to withdrawal the first payment of {$40.00}. Unbeknownst to me, later on, this friend claimed that his paypal account was hacked and the supposed hacker disputed both transactions and after gaining access back into his account, he was unable to cancel the dispute. I disputed the dispute on my end, and submitted screen shots proving that the charges should have never been disputed in the first place. In the end, only the lesser amount of {$3.00} was the only dispute that was ruled in my favor. However, that amount was not credited back to my account. At this point, my account with paypal remained at negative {$40.00} something dollars. In keeping contact with paypal, i was told that they could not see any details and that i would have to contact the financial institution that my friend XXXX disputed the charges with.. In the mean time, my account then sat at a negative XXXX Lets say the charges were not disputed at all.. The total that was disputed was totaled at {$40.00}. How is my account with pay pal now $ XXXX??? Something is terribly wrong here and i am having a difficult time getting paypal to help fix the situation. A paypal manager did a credit to my account in the amount of {$3.00} as a courtesy.. However that is not the solution i am seeking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: NY
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:
My Experian credit score dropped over XXXX points from XXXX to XXXX. It states that I have either a serious delinquency, which I do not, or a derogatory comment. I have my credit report in front of me. It states number of accounts with this is 1. I have no idea what this is? I have an immaculate credit report. 66 pages of extraordinary payments ect. There has to be an error. When I ask them to please tell me what the derogatory comment is, they won't! I'm not sure how to investigate or contact anyone to fix it, not knowing what is going on. I had a XXXX XXXX  and thought it was possible XXXX XXXX. I called them and they said yes something seems off, but I received not response from them. However, Experian said they have settled it, but nothing changed. So I'm not sure if that had anything to do with it or not. It's very concerning, becuase I have had excellent credit for 50 years and for there to be something that I can't even get information on is frustrating. Isn't there a phone number to call that someone can see my credit report and tell me what is on there that is incorrect? 

Thank you!

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent a payment the week before XXXX XXXX. Capital One did not credit the payment until after the holiday that XXXX  and I incurred late fees and interest was charged shortly thereafter. Based on incorrectly applied late fees compounded into my balance. When I called Capital One to suggest this had to have been an error because my payment processed by the early morning of the XXXX after XXXX 's XXXX. Well before any mail would have come to the Capital One payment address. It would be virtually impossible for them to cash a check that's not physical there. I explained several to the agent I sas speaking with. I was callously condescended and essentially called a liar on the recorded line. When the agent got frustrated that my story was true he suggested we do a three way call with my bank. I gave him the number and he got them on the line. He introduced himself and commandeered the situation like a police officer interrogating a suspect. The bank representative corroborated my story by answering his specific questions and he eventually relented and agreed to rescind the late fees. He also told me they wouldn't report my payment as being late. Later that week I purchased a vehicle with loan money from a XXXX program for my small business, and primary means of income. I was purchasing the insurance as was required and received a letter from the insurance company today letting me know my payment was rejected by my credit card company. 

I thought that had to be a mistake because I cleared up the situation and then for good measure sent just shy of {$5.00} to cover any interest that's still left compounded from erroneously applied late charge that would render my XXXX charge late. I checked my account and sure enough, in an expectedly retaliatory fashion, Capital One had continued to block the card and report the payment as late to credit bureaus even after they admitted fault and rescinded the late fee. I have been driving uninsured for almost a week. When I called Capital One to rectify the situation, the agent just kept repeating what my outstanding balance was completely disregarding my explanation and the observable clues that Capital One is in the wrong. I work way too hard to be the subject of deliberate malice towards a client actually keeping up with payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX  XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 have loan with XXXX. I have always made my payments on time. Ive contacted the company about the issue & continue to fail to provide me with verifiable proof. Ive disputed it with all XXXX and Transunion credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & I, d like this matter handled ASAP. Please update to paid agreed/never late. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
My entire identity was stolen by an old friend that maliciously ruined my life, credit, job, phones and accounts. I can not access my credit beauros social media accounts my original email and basically everything. I need help asap please I filed a police report but the girl that did this lives in Florida so the police didnt really care or do anything. I dont know who to turn to. 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 2020-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
debt is with a third party, i have no obligation to pay 3rd party services balance owed to Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
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:
Over thirty days ago, I wrote to Credit Bureau indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureau has not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence. 
Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from your office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that this misleading have been removed. 
Wrong amount is being reported : XXXX XXXX XXXXXXXX NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: Experian Information Solutions Inc.
State: NY
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've disputed an item with Experian and they failed to start the dispute in due course. Instead, we discussed an option to upload documents which they were well aware of what those docs are, from an email sent over to them, but they still had me upload it to their broken system to gain few more days. Then they advised me they can't use those docs. When I informed them of new doc 's received from the company, and that I need a quicker way to submit it. XXXX XXXX gave me a broken Fax number to fax it to and dragged it out for another few days causing me severe pain and damage until they finally gave me a good fax number and when received they again were unwilling to accept those docs. This is a simple run around of a fraud company. Even after the creditor itself advised them over the phone of the error they didn't fix the error.

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 2023-10-30
Company: I.C. System, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I tried applying for student housing, but I was denied due to my credit score. I came to find out I had two fraudulent credit cards opened under my name. One was from XXXX XXXX XXXX in the amount of {$290.00}. The original credit owner was XXXX XXXX XXXX. Account number in XXXX is 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 2020-05-19
Company: Experian Information Solutions Inc.
State: CO
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:
BOTH XXXX  AND EXPERIAN HAVE ALLOWED 2 COLLECTION AGENCIES TO VIOLATE THE FAIR DEBT COLLECTION ACT. THEY ACTUALLY REMOVED THE DEROGATORY COLLECTION ACCTS THEN ALLOWED ANOTHER COLLECTION AGENCY TO ADD THE SAME ACCT BUT DIFFERENT AMTS BACK. I HAVE PROVIDED PROOF THAT THESE AGENCIES NEVER ADVISED ME THIS DEBT WAS OWED TO EITHER PARTY AND IGNORED MY LETTERS TO VALIDATE DEBT WITHIN 5 DAYS OF RECEIVING IT. I HAVE WRITTEN 4 CORRESPONDENCES TO BOTH CREDIT BUREAUS SINCE XX/XX/XXXX AND IT STILL HAS NOT BEEN RECTIFIED. BOTH XXXX  AND XXXX XXXX XXXX/XXXX XXXX HAVE VIOLATED FEDERAL LAWS IN PLACE TO PROTECT ME. I WAS NOT EVEN AWARE XXXX XXXX WENT BY XXXX XXXX XXXX. THESE ACCTS CONTRACTS WERE CANCELLED BY XXXX AND XXXX XXXX XXXX AND TERMS OF THESE WERE NULL AND VOID. XXXX  HAS REMOVED THESE BUT I STILL CONTINUE TO DISPUTE THESE ACCTS WITH EXPERIAN AND XXXX  SINCE XX/XX/XXXX & XX/XX/XXXX AND WERE AT ONE POINT REMOVED AND ADDED BACK THIS YEAR. I WOULD LIKE AN OFFICIAL INVESTIGATION CONDUCTED INTO EXPERIAN AND AND XXXX  DISPUTE INVESTIGATION PROCESS & PROCEDURES. PLEASE. THESE SHOULD NOT HAVE BEEN ALLOWED TO BE ADDED AFTER THIS DURATION AND AFTER THEY NEVER VALIDATED THE DEBT, NOR ARE THEY THE ORIGINAL CREDITOR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: FirstCredit, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am repeatedly, for months, contacted by Firstcredit Services. They call nearly every single day, for months, and leave no message about what the call is about. 

Because of the fear of telephone fraud, I don't answer any call where I don't recognize the number/caller, that I'm not expecting, know who the caller is and why they are calling. 

This company never leaves a message about why they are calling. I have no idea on whose behalf or for what supposed debt they are trying to collect. The only reason I know that they are a debt collector is because I looked them up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Idaho Housing And Finance Association
State: SD
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the second attempt at this company as you have it wrong by the first decision as I believe you misunderstood what the issue is. Let try this again with more clarity.

Me, Myself or I NEVER gave this NON PROFIT ORG 501 ( C ) 3 a SSN, who has and is deceptively trying to collect a debt as a debt collector. So now let me ask you this. How in the actual XXXX  can a NOT PROFIT ORG 501 ( C ) 3, DEBT COLLECTOR who got this SSN by whatever OR however means. A NOT FOR PROFIT 501 ( C ) 3 that has a deduction for public charity from organizations. Well guess what, I am the beneficiary of that organization with all my notices, documentation and whatnot describing who I am into the public. Getting threats by an attorney who got this SSN through this NON PROFIT ORG. 501 ( C ) 3 with threats of being jailed if I don't pay to there charitable NON PROFIT ORG. 501 ( C ) 3. I have evidence of everything I'm telling you whereas the first time you state they did nothing wrong. THIS IS UNACCEPTABLE NOT to mention crimes are being committed by this NON PROFIT 501 ( C ) 3 ORG and you're telling me they did nothing wrong. How about sending a name behind the next denial statement. This needs to be investigated. I have discovered how this system is suppose to work, MY SIGNATURE CREATED THIS LOAN AND THEY STOLE IT! DO YOUR JOB!!! I OWN THE COPYRIGHT AND TRADEMARK/TRADENAME OF THIS LEGAL FICTION/CORPORATE ENTITY THAT WAS CREATED UNLAWFULLY. I am the beneficiary of the XXXX XXXX XXXX  trust I attempting to get an accounting of and they are refusing to provide ANYTHING. In there debt collection letters they state, " if you file for bankruptcy, you are still required to pay the whatever or I won't get the title to this property ''. You know what they call that?

EXTORTION, XXXX  JUST TO NAME A COUPLE. 18 U.S. Code 894, 18 U.S. Code Chapter 95. THIS IS CORRUPTION. I never signed any contract with these people as this debt was SOLD to these crooks and I have proof. They claim to be the original lender, then claim they are not the original lender from another party of this NON PROFIT ORG. 501 ( C ) 3.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
have been disputing this account since XXXX, I've even filed a complaint with you on XX/XX/2021. Since I have disputed this account, they have flagrantly violated my rights, first they took longer than the law allows to respond to a dispute. Then they changed the balance of the account! These false statements and misrepresentations constitute complete deletion from my credit report! They are reporting a heavily disputed item, which violates the FCRA. They have violated the FDCPA by taking longer than 30 days to respond back in XXXX! Now they have violated both by changing the balance! This is the worst thing to ever happen to me! 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 2023-09-25
Company: EQUIFAX, INC.
State: CA
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:
Per 15 USC 1681e ( b ) - Accuracy of Report, credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' XXXX, XXXX, and Equifax have CONSISTENTLY, PERSISTENTLY, and NEGLIGENTLY violate my federally protected rights under this code and violate my rights under FDCPA, FCRA, UDAAP, and the state of California 's consumer protection laws by FAILING to provide MAXIMUM ACCURACY on my consumer credit report AND credit file. Since XXXX and more aggressively since XXXX, I have been fighting for my rights to ensure that BOTH my consumer credit report and credit file reflect the maximum accuracy with XXXX, XXXX, and Equifax. To date, BOTH my consumer credit report AND credit file remain INACCURATE. The following information is INACCURATE specific to the addresses listed in my consumer credit report with XXXX and must be removed immediately : INACCURATE ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX 
XXXX is the ONLY credit reporting agency that STILL lists these addresses on my consumer credit report. Thus these addresses MUST be REMOVED to assure maximum accuracy per 15 USC 1681e ( b ).

Per 15 USC 1681e ( b ), the following accounts remain INACCURATE as to the " balance ( XXXX ) '' across all 3 consumer credit agencies : XXXX XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX XXXX ( inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX XXXX ( Inaccurate balance ) XXXX XXXX XXXX ( inaccurate balance and/or missing the cents ) XXXX ( inaccurate balance and/or missing the cents XXXX XXXX XXXX XXXX  ( inaccurate balance and/or missing the cents ) XXXX, XXXX and Equifax MUST ensure " maximum accuracy '' and if they can not, the accounts must be DELETED/REMOVED. 

Due to XXXX, XXXX, and Equifax 's FAILURE to provide ACCURATE consumer credit reports on my behalf, I have suffered damages by being refused credit BOTH personal consumer credit AND business credit. This has caused me GREAT FINANCIAL HARM as I am unable to obtain personal credit to help improve my quality of life and this has prevented me from obtaining business credit causing my business to remain without the credit needed to fund and successfully start my business. Thus, my livelihood has been negatively impacted and I am unable to obtain the credit needed to make payroll and cover operation expenses for my business.

Company response to consumer: Closed with non-monetary relief