BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-03
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have tried on multiple occasions to try and get information correct on my credit report. Experian continous to report and address XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XX/XX/XXXX I have never lived at this address or in that town and the apartment has sent this to collection with XXXX XXXX XXXX to collect on a debt that is not mine. I also believe that this collection is over the seven year mark too. I have also written to XXXX XXXX and the two Bureaus XXXX   and XXXX concerning the balance that continues to be reporting. This was a voluntary repossession in XXXX. The car was sold and the new balance was never reported and the bureaus refuse to investigate the account.

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 2023-03-22
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Discover Card is a fraudulent company that needs to be investigated. XXXXXXXX XXXX has charged me twice for two services not rendered and instead of doing a sufficient investigation and returning my money- Discover Card is saying that vague explanations of the charge suffices. The charge says " for passage ''. What does that mean? No one knows because I prepaid for everything before the cruise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Action Revenue Recovery, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am disappointed with Paypal Resolution Center. I was misguided by a fraudulent website, XXXX XXXX XXXX XXXX ( XXXX ; XXXX ), to buy tickets ( XXXX USD $ and XXXX USD $ on XX/XX/XXXX ) for a XXXX show that will happen 6 months from now ( XX/XX/2023 ). I never received the tickets or any proof to download the tickets. I opened a claim ( case XXXX and XXXX ) and a dispute to XXXX XXXX XXXX at Paypal, and they denied it, saying that I received the XXXX, which is not the truth. I called them many times, trying to explain that I never received any ticket or any link to download them, and the Resolution Center is giving the reason to the seller. I need support to receive the money back ; thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I don't know if I selected the right things so I apologize in advance I used XXXX through my banking app I use Bank of America I got scammed out of renting a home and the only reason I even felt comfortable sending money to the person was because I literally got a notification before sending that since this was a new person I would be protected for 24hr Please remember the 24hr part ... 30 MINS MAX LATER after sending it ( not even close to the 24hr mark ) I canceled it thinking there would be no problem I lost {$410.00} because of XXXX and Bank of America lying to me I talked to 10 different people maybe max and each person from that company told me not to worry That the claim was in my favor Each And Every Person told me not to worry... .that it was in my favor. That was also clearly another lie and I don't understand why I clearly never got to move lol my address on my bank account is still the same I have reported to the fbi and I am finding other scams and reporting those also

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 2022-10-30
Company: EQUIFAX, INC.
State: CT
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 XXXX XXXX Acct # : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent a letter to the credit company and contacted through the website to verify about three collection accounts that were on my credit report that are also hurting my credit which I have no knowledge of or doing of any sort. I asked to remove these several times through their website portal and through mail. One time I had no response second it was a verified statement which is false because I requested proof in the letter which by law I have that right under the " Fair Credit Reporting Act ( FCRA ) 15 USC 1681. And just ask they be deleted, if they can't be verified so I can pursue my goals of buying a home and car in the future ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
First call I received was an automated message requesting a call back. I never consented to ADAD calls to my cell phone. I called back and found out they were looking for my brother. I told them not to call me again that this was not a good number for my brother. Since the first call, I have received atleast 3 more calls, all of which I explained that they should not be calling my cell phone from a dialer, and that they should not be calling me at all because I already told them this was not a good number. Yesterday I explained that I work in the same industry, and every call is a violation of the TCPA and FDCPA, and they need to update their records to stop calling me. Then today they called again! I again informed the representative and the manager of the issue, and they just said they would update the record. However this isnt just about ME, as I spoke to more than one rep, this seems to be a training issue or a systems issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
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: Account status incorrect

Complaint:
All credit reports need be updated. XXXX  transunion and XXXX. On XX/XX/2018 A lender told me that XXXX XXXX on my transunion 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 2023-03-22
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer ADJ Co showed up on my credit reports with an account submitted by XXXX XXXX. The dates show the account was established while I was a minor and I couldnt access the knowledge of this information until I turned XXXX and it was reported already. I had no way of getting credit as a minor without my parents permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed two credit card accounts of mine that I rely on for everyday purchases and my own survival. I had reported fraudulent activity on my account because my identity had been stolen at the beginning of the year. They closed both of my accounts that I have never missed a payment on. Chase said they closed both of my accounts because too many inquiries on my report as well as unusual activity. Attached to this statement if a FTC report supporting my claims that my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: AL
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 XXXXXXXX XXXX Account # 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 2018-12-13
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm not sure why i keep getting the same parrot information from the EXPERIAN, XXXX, AND XXXX that they've verified the public records BK CHAPTER XXXX shown on my credit report. My questions are : What happened to the new and relevant information I sent to those companies, which proved this bankruptcy is inaccurate? Did they pass these information on to the court during your investigation? Does court actually verify them. Every day I cant get approved for anything I want, it is causing me emotional stress. I just simply want the inaccurate information removed or thoroughly investigated. I dont know a whole lot about credit bureaus and credit reports, or the way they actually process their investigation, but Im good at research. I believe they use a system called E-Oscar to handle investigations. Please should not rely on this system because its not 100 % accurate and its not fair to the general consumer. From my research on the FTC web sites in the last couple of months, you cant parrot information from the creditor and collection agencies, and public record keepers. They must perform a true investigation under the definition of FRCA. 

Look that the 2 cases below : XXXX vs. XXXX revealed that the bureaus have 'grave responsibilities ' to ensure the accuracy of information and that it " must consist of something more than merely parroting information received from other sources. '' Basically, they can't just be parroting information back and forth between the bureaus and the consumer. They actually have to investigate. 

The cases stated that the " Verification might be accomplished by uncovering documentary evidence that is sufficient to prove that the information is true. See XXXX, 357 F.3d at 431. '' And also " a reasonable jury could find that XXXX either knowingly or recklessly reported debts as verified without obtaining sufficient documentation to support that determination ... We, therefore, hold that a reasonable jury could find that XXXX willfully violated 1681s-2 ( b ) when it reported the XXXX and XXXX accounts as verified without obtaining sufficient documentation that the debts in fact belonged to XXXX ''. 
Verify directly with the court. There are a lot of discrepancies these days when it comes to credit reports and I just want them to provide me with the verification of this item and that is reporting 100 % correctly. 

These cases above explained in detail how the true verification should take place with the bureaus. 
I actually went ahead and attempt to verify with the XXXX, and the actual court and these are the responses i received as shown 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 2019-03-09
Company: Experian Information Solutions Inc.
State: NM
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:
Requested free annual credit and found issues with wrong addresses and miss spelled names I never used. I was able to request a fix with the first two credit reporting agencies XXXX XXXX and XXXX with little issues. However when I tried to fix on line with Experian I was given a 1800 number to call after I request the address to be corrected online. I Called the number and all they wanted me to do is buy another service once I told them I did not have a membership and was disputing information they were reporting .They placed me on hold and transferred me and I waited and then another person answered on to say she had to place me on hold and to transferred me this time I was over 45 min. Then another person picked up and I told her the same info and she also just wanted to transfer me. At this time I was frustrated and wanted to speak with a manager .When I requested a manager she transferred and then hung up on me. I tried three times to fix the miss leading information dealing with incompetence of Experian. I want my information corrected and I believe credit agencies need to be forced to provide better means of disputing issues on credit reports. This issue started by the usps mixing my father and me up and reporting that the information.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2019-03-18
Company: Bread Financial Holdings, Inc.
State: MD
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 a loan with 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
/On XX/XX/XXXX I requested that the company provide me method of verification of items that are on my credit report. As of XX/XX/XXXX there are 2 items listed on my report they refuse to provide this information. They Said on XX/XX/XXXX, that they do not provide dispute verification. I think they are confuse with what I am asking, so I will quote what FCRA, Section 609 a ( 2 ) requires credit reporting agencies to disclose the source of the information being reported or delete it. In reference to the 2 bankruptcies listed on my report they said they got public information fromfederal bankruptcy court. this a problem, because the bankruptcy court says that they do not provide information to Transunion directly. They said that they do not have any records of them contacting them and public records can be access on many applications and they can be inaccurate. The court made clear they do not report to credit reporting agencies. FCRA, Section611, paragraph ( 6 ) ( B ) iii regarding procedures and investigating states if requested by consumer, a description of the procedure used to determine the accuracy and completeness of information must be provided to the consumer by the reporting agency, this include business name and address of any furnisher. As of XX/XX/XXXX the company has not done so.

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 2021-08-25
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX bought a condo XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nevada XXXX in XX/XX/2018 ... on my experian report is a house XXXX XXXX XXXX XXXX XXXX nv XXXX ... i did not purchas this in XXXX..its on my credit report causing problems..i have sent written letter in 2018 to experian to take it off this i did not buy..im wondering why did this guy use my ss # and have it put on my credit report..here is the info on house on XXXX XXXX ... single family geo code:XXXX XXXX address id # XXXX ... its been 3 years now how long does experian take to get this off my report..i have done everything short of going to this mans house and XXXX him ti a lawyer so he can tell someone why he put on my credit report..i am refinancing my condo on XXXX so buffalo dr. XXXX XXXX nv XXXX and its still there..

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 2021-09-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During COVID both my husband and myself were not working. Under the government protection mortgages were allowed to be deferred and placed on the back end without interest. Sps servicing contacted us continually and informed us there was no problem and we were on the deferrement. Recently yesterday we received a phone call stating we needed to sign modification papers. I questioned why a modification this is supposed to be a defferment. They stated that it took a year to qualify for deferment all the time their company we were fine. Now they are trying to force us to sign a modification which is not the protection the government put in place. We requested phone conversations to be pulled if their associates and they stated it doesnt matter they were behind in their decisions. Seriously. They sstqte one thing and then try to force people into extra interest etc. any assistance with this horrible company would be greatly appreciated as this company has down nothing but lie and scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: ALLY FINANCIAL INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent this company multiple letters to validate this alleged debt yet have not received any response from them. luckily I sent it via certified mail to have proof they got them! I also called spoke with a representative And recorded the whole conversation.I Was told they would get back to me still no response.Ive been suffering from XXXX because of all the in accuracys they have reported on my credit which has been hindering me for years! Everything About this so called debt is inaccurate egregious and downright unfair all three bureaus have three different dates on last payment they claim to receive from me on a vehicle that reports as charged off but still to this day has gap insurance in my name active! On a vehicle I have no possession of. Might I add The alleged debt they reported closed on XX/XX/XXXX yet they claim to have received A payment XXXX XXXX as last payment received on XXXX yet on XXXX report XX/XX/XXXX of that same year! Which is a lie! This is defamation of character!!! Ive been in XXXX with this company and their lies!! I have so many sleepless nights because of this. Ive become so depressed I feel like this company has made me suffer so much yet hold no accountability nor have they tired to resolve this issues its been years they have been hindering me!. Ive asked for validation of any and every kind yet have received nothing! Im in tearsssss writing this. My last attempt before taking legal actions really. I sent my last letter of request of validation which by certified mail says they received it on XX/XX/XXXX it is now XX/XX/XXXX still nothing with all that is going on in the world right now why do I still have to deal with 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 2018-03-05
Company: STERLING JEWELERS, INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is reporting inaccurately on my credit report. They sold the debt to a 3rd party company that was paid. But they are still showing unpaid, past due on my credit report. I want XXXX XXXX removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation