BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: EQUIFAX, INC.
State: LA
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:
Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX, CERTIFIED BUREAU OF THE # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX  # XXXX, CERTIFIED BUREAU OF THE # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPAauthorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX XXXX {$230.00} XX/XX/2018 I have never done business with this 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 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX {$500.00} XX/XX/2018 XXXX XXXX  XXXX {$230.00} XX/XX/2018 I have never done business with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-05-26
Company: WELLS FARGO & COMPANY
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 phone was stolen and my account had been used and i havent used any money from account. I want my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am trying to refinance my home at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. There is a lien regarding a home equity line for {$100000.00} showing on title for BB & T. BB & T is now owned by Truist Bank. The loan originated over 20 years ago. I have been in contact with Truist bank @ XXXX XXXX and have been told on multiple occasions by a representative at Truist that they were faxing over documents to satisfy the mortgage. This has been ongoing for more than a month now. I am in need of an immediate remedy. The remedy is to email the documents to clear this lien to my closing attorney at XXXX. XXXX XXXX can be reached at XXXX. 

Thanks, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I mailed {$270.00}. towards unapplied funds.

On XX/XX/XXXX I paid $ XXXX.towards XX/XX/XXXX 's Rent On XX/XX/XXXX I money gramed {$85.00}. towards XX/XX/XXXX's Mortgage.

I was told I would not be charged a late fee and I was.charged {$75.00}.

I called 22 times to still not have my payment showing for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: SC
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 2022-08-10
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
The Arbitration Provision requires a written, mailed notice to out-out therefrom ; this is inaccessible for blind users.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from 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 explanation
Consumer complaint received 2018-09-04
Company: Green & Sons Agency, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is currently reporting 2 accounts on my credit report : XXXX & XXXX All my medical bills have been paid and they are very old. Insurance paid them. I do not owe any other bills and they are not valid. THey are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2019-08-27
Company: U.S. BANCORP
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

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 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Had disputed account with TransUnion and XXXX   online regarding XXXX XXXX of which they did not validate debt. The account in question should have the account condition as CLOSED not Indeterminate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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: Their investigation did not fix an error on your report

Complaint:
Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. XXXX, XXXX and Experian are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXXXXXX XXXX XXXXXXXX.

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 2019-08-16
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company Jefferson Capital Systems is reporting that i owe a {$250.00} debt to them. They are reporting that the account debt was opened in XXXX. They are also reporting that I am making late payments every month. The ORIGINAL account was opened with XXXX was opened in XXXX. Will provide documentation for proof upon request. Theyre not only illegally reporting payments that are not being made and not scheduled to be made, i am in no way shape or form in contract to pay them, XXXX illegally sold my debt to them to collect, they are reporting completely false information as far as dates, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: OH
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:
Experian is reporting incorrect information about me. The alleged collection account for XXXX XXXX XXXX is listed as being open and with a past due balance of {$130.00}. This is a violation of FCRA and is in violation of requisite of METRO2 compliant reporting standards.

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 2021-03-10
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has closed or in their words permanently limited my account. W They have been no help to assist me with the issue. I was made aware that I can file a complaint here so hopefully this makes a difference. My email address is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: FORD MOTOR CREDIT CO.
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: Problem with personal statement of dispute

Complaint:
Ford Motor Credit for a second time now has failed to update my mailing address and provide me with paper bills for a car loan taken out several years ago. 

My account number is XXXX. 

As a result of their inability to update my mailing address after having made requests by phone on XXXX separate occasions I was not notified of a missed payment associated with my auto loan and was unable to rectify and make the payment due to having never received any type of bill or late notice. Ford Credit has not reported two, 30-Day late notices to my credit report which are extremely damaging in both my personal and business. I have contacted them requesting good will and again requeste that my address be updated but did not have any success as it relates to their reporting of late payments. 

Furthermore, on a statement dated XX/XX/2018 it reads : returned payment received. Indicating that my XX/XX/XXXX payment was processed. Since than I have received no other notices. On XX/XX/2018 my payment due XX/XX/2018 was marked 30 days past due and was immediately reported to the Credit Reporting Agencies. 

Ford Credit has been unreasonable in their dealings and has taken no responsibility for their failure to issue me a paper bill or written notices which I am entitled to as an account holder. They have been extremely timely in their reporting of missed payment to the Credit Reporting Agencies but to date have not provided me with one bill or piece of mail!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
After our review, we found that the best agency to help you with your issue is DEPARTMENT OF EDUCATION. If you would like to submit your complaint with DEPARTMENT OF EDUCATION, contact them directly at or call. 

I was able to contact them, and they did not have the information from the loan servicing company that's on my credit report. Thus the reporting agencies are not able get the information as well. I gave you the only information that able to get due to the company closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This problem with Equifax has started back around XX/XX/XXXX when I filed a dispute against the record they filed on my credit report as XXXX XXXX XXXX. To this day XX/XX/XXXX it is still listed on my credit report as reinvestagton in process. I was disputing that XXXX listed different amounts where it says Past Due and the amount thats charged off. What is also inaccurate is the last date of payment. The last payment I had made on this account was XX/XX/XXXX. Under the fair credit reporting act any investigation that takes over XXXX  days must be removed. By this incorrect information staying on my report i a paying XXXX % interest on the new car loan that Im current on now. I get lower credit offers than what i should qualify for otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2021-05-25
Company: Resurgent Capital Services L.P.
State: AZ
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:
3 months ago I requested and received my credit report. 

There was a negitive report that i did not recognize from LVNV Funding.

I contacted LVNV Funding requesting VERIFICATION by signature, according to the FDCA, and requesting them to notify the credit reporting agencies that the claim is disputed.

Instead of providing me with the verification as requested they sent me a photo copy of a judgement against some person that has the same last name as me.

They also threatened me with garnishment and seizure of my assets without proving that I owed any thing. 

They also will not report that the claim is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap : XXXX XXXX # XXXX and XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2019-08-16
Company: Experian Information Solutions Inc.
State: NY
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:
My credit reports from Experian, XXXX and XXXX are reporting missed payments for my XXXX Credit Card Account which is false. The two missed payments are dated on two separate occasions in 2019. These missed payments are false and need to be corrected, as they are impacted my credit worthiness. I have called XXXX and to no avail they are saying they are accurately and can not reverse. I have submitted a dispute with all three credit bureaus and are waiting for replies.

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 2023-01-27
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX n accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

1

5 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 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 explanation
Consumer complaint received 2021-09-09
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Columbia Debt Recovery LLC is trying to collect a debt that is not owned by me.The old apartment sent me a wrong bill of {$300.00} dog XXXX  cleaning fee ( which is for a different apartment building ) a couple of months after I moved out. Columbia Debt Recovery LLC tried to collect this debt ( {$300.00} ). I have sent several emails to explain that it is for a wrong apartment ( XXXX ) and my apartment number was XXXX. However, Columbia Debt Recovery LLC told me that they will only remove the record if I pay {$180.00}. Otherwise, they will continue to report it to credit agency even through they know the bill was not for me. In 2021, they sent the report to the credit agency every month even after I sent them the proof of the wrong bill. They told me that I have to pay to clean my record because they need to make a living,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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: Their investigation did not fix an error on your report

Complaint:
I requested to see proof and methods of verification for alleged account that is reporting on my credit reportI do not owe this debt, I requested to see signed contracts between myself and XXXX credit. 

XXXX credit management XX/XX/2019

Company response to consumer: Closed with explanation