BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-12
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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have ITEMS left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. These are the items that need attention in my credit report : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$15000.00}, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} , XXXX XXXX XXXX  XXXX Balance : {$1200.00} , XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance XXXX {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-01
Company: Peter Roberts & Associates, 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 have pointed out, highlighted all the inaccuracies that is in this report, this is a single negative item on my report and it is inaccurate. There are a lot of missing information to tie this to my name. I need to see the docs that the creditor sent to you were used during the investigation to make the determination that this account is accurate. No Proof? Then you can not report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Experian Information Solutions Inc.
State: NC
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 XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX  XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX XXXX ), XXXX Account # XXXX ( XXXX XXXX XXXX ), XXXX  Account # XXXX ( XXXX ), XXXX  Account # XXXX ( XXXX XXXX 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

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 2020-10-17
Company: ProCollect, 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:
On XX/XX/2020 I sent my first Debt Validation Dispute letter to the credit bureaus, then I followed up and sent a 2nd letter on XX/XX/XXXX because I have yet to receive a response from my debt validation request with my signature proving that I owe this debt. Therefore, I want it removed permanently from all 3 credit bureau reporting agencies. The amount that they claim " I owe '' is {$650.00}.

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 explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: FL
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:
there are fraudulent information on my credit report : XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Paypal Holdings, Inc
State: GA
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/2023 I did an instant transfer of {$270.00} from my Venmo account to my bank. This type of transfer typically shows up with 30 min. It has been 10 days and I still do not have my money and neither Venmo nor my bank can tell me where it is. Both are pointing the finger at the other party and no one will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I sent {$50.00} to XXXX XXXX XXXX via PayPal to purchase an event ticket. He said he would transfer the ticket to me but did not. I filed a case with PayPal who said money transfers to " family and friends '' are not covered by their buyer protection. I was not aware of that, and did not see another option for making that payment. The seller 's contact info is XXXX and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-04
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:
XXXX XXXX is reporting that I have {$21000.00} in unpaid student loans on my credit report, and this information is not accurate. I have asked XXXX XXXX to correct this for months, and gone through multiple disputes with the credit bureaus, still to no avail. XXXX XXXX simply remains negligent by continuing to allow these accounts to report balances, which is a complete falsehood. The problem started back in 2018. My loans were in good standing, and I was making regular on-time payments every month. Then, out of the blue, XXXX XXXX contacted me and said that I no longer had any balances due, and they would no longer would accept payments from me. Shortly thereafter, these loans started reporting as collection accounts with unpaid balances. Since this time, I've been trying to get XXXX XXXX to correct their reporting error, but they continue to neglect their obligation. To help with your investigation, I am including correspondence from XXXX XXXX, where they openly admit that I no longer have any balances owed to them for these student loans. However, they still haven't properly updated the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Checkr, Inc
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Your records show my license was suspended and it was not. Also showed an old license number and not my current one. I was denied a job by XXXX and XXXX XXXX because of this error. My license is and was valid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with JPMCB. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both 3 Credit Bureaus and JPMCB with no successful resolution. 3 Credit Bureaus reporting me late. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SOLUT EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Since the Equifax breech, I have had lots of problem with them. Last summer they had 5 mixed files with mine. By the first of the year they had the report fixed until last month when again I was not able to get a copy and creditors have claimed that they can not get a copy either. I have spent endless hours ( over 60 ) on the phone with Equifax to no avail. They keep asking for my identification and social security card. I have sent it to them by fax, upload and US Mail several times. I just sent it to them this week twice. 

They also keep charging me {$14.00} per month for a monitoring service and I can not use it because I can not access my report. I have been issued 11 reference numbers this year alone for fixing the report and it is still not fixed or accessible to verify this. 

REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX REF : XXXX Enclosed is supporting information, id, letters, social card, etc. 

Also when getting my 3-in one report from other providers, either the Equifax report is blank or won't work. 

I also can not dispute anything online because I can not get the report nor can I update anything like locking or unlocking the report again because I can not access the report online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions 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 had some issues withe a negative account being reported on my credit report, so I disputed the item on XX/XX/2020 but never received a response from any of the bureaus, I though that it was because of COVID19, but it has been more than 2 months, and I have yet to receive anything in the mail. 
The account disputed was XXXX XXXX, account number : XXXX. I would like to receive a response back pertaining to this matter, as I am in the process of purchasing a home, but I can't move forward without 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
Consumer complaint received 2020-11-23
Company: LEXISNEXIS
State: CA
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:
These accounts were disputed with XXXX and XXXX but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedMar XXXX Balance {$740.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance UpdatedXXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilJul XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX Highest Balance {$1400.00} TermsNA On Record UntilAug XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
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 a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-23
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
JPMORGAN FINANCIAL CORP HAS BEEN exposing ALL MY PERSONAL INFORMATION TO OPEN LINES OF CREDIT, CREDIT CARDS, XXXX XXXX XXXX XXXX XXXX # XXXX MY OLD # WITH XXXX XXXX SINCE 1993!!! MY NEW PHONE IS XXXX. PLEASE CALL ME. THESE CROOKS HAVE ALSO CHANGED MY CREDIT REPORT INFO THRU XXXX AND XXXX FOR THE PAST YEAR IVE BEEN TRYING TO GET THEM. Pain and suffering for LOSS TIME N HEALTH ISSUES TOO

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Home Point Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Issues with Home Point Financial, XXXX XXXXharging us for additional insurance coverage that is not needed and a duplicate coverage for a condo located in XXXX, XXXX. They started charging us in XX/XX/XXXX. Weve spoken to the mortgage company and they admitted their mistake and stated they would refund and correct our monthly payments. Its now XXXX, and theyre just giving us any silly excuse to not pay and correct their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, INC.
State: MO
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; 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 2017-12-14
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Listed as a fraud victim in XX/XX/XXXX due to in accurate unauthorized items on my credit report. 
I have disputed previously but still shows on my report.

NATIONAL CREDIT SYSTEMS   XXXX XXXX XXXX XXXX 
XXXX, GA XXXX(XXXX) XXXX 
Placed for collection:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Open Account
Loan Type:	COLLECTION AGENCY/ATTORNEY
Balance: $XXXXDate Updated:XX/XX/XXXXOriginal Amount:$XXXX
Original Creditor:	XXXX XXXX XXXX  XXXX (Rental/Leasing)
Past Due: >$XXXX<	Pay Status:>In Collection<
Remarks: 
ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: 
XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: EQUIFAX, INC.
State: CA
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 requested that Equifax verify the accuracy of a bankruptcy that is reporting on my credit report. Equifax mailed me a letters of the results stating that they verified with a third party company named XXXX. I do not understand how this was done because I have opt out of XXXX, sharing any of my personal information therefore, Eqifax is not telling the truth. I will upload the letter I sent to equifax, the response from Equifax, the opt out letter from XXXX, and information from the US banruptcy court stating that they do not report to credit agencies. Please investigate these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have called over several months, and submitted a request more than a month ago now to formally have my student loan interest ammount looked into. I am on an in income based repayment plan and only have subsidized loans. The monthly payment amount I was told to make was detremined to be {$0.00} as I did not have a job. This means that the government ( because I have subsidized loans ) should be paying 100 % of my student loan interest, yet they are only covering approximatley 50 % and I have accrued nearly {$250.00} worth of outstanding interest. Again, my interest on this plan should be paid by the government as I have not ever received the governmetn interest susbidy for more than a year before ( i know that if you have received it for 3 years then the subsidy drops down to 50 % -- - that is not my situation. ) I was on a similar repayment plan for a year in 2015 and had VERY similar issues ( though at that time they failed to pay any of my interest at all that they were supposed to ). This took nearly a year and a half to resolve and I had to pay out of pocket and cover those illegitimate interest fees ( after the one year mark when I started to make regularly monthly payments ) at the time to ensure that my credit wasn't ruined. I would not be surprised if this were a regular tactic of MyfedLoan to get more money out of people and prey on their confusion regarding student loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I booked a XXXX rental car through Citibank thank you points and needed to change the dates as I could not travel. When I tried to change the dates or cancel and create a new reservation, I was told that I would lose the over {$300.00} in points I used for the car reservation. This is not fair or right that they would not at least allow me to change the dates of my reservation. I contacted Citibank, I contacted the thank you points department and I contacted XXXX rental car. None of them would help me. 
Citi Thank You Booking ID : 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