BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-17
Company: Professional Debt Mediation, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Date : XX/XX/2018 / I submitted reviewing of claim placed for collection by Professional Debt Mediation , Inc., XXXX XXXX XXXX XXXX, Fl XXXX Date Notice of Collection : Opened XX/XX/2018 Amount : {$1200.00} Last XX/XX/2018 I submitted a dispute about a Notice of Collection for a delinquent account of an original creditor : XXXX XXXX XXXX XXXX, Florida. 
In XX/XX/2018 I called this collection agency to know the status of my dispute. At this time they have not answered about the investigation that I requested about this debt. 

I agree with XXXX a rent contract for 6 months that I needed to modify because I have to move for reasonable causes. We agreed a new contract which I fulfilled to the end in XX/XX/2018. I have documents included to prove this payments. I was never communicated by phone or letter any charges regarding damages or pending payments by XXXX XXXX of Florida. Nor, any alert notification of collection claiming for this debt. When I was reviewing my credit score in XXXX XXXX, in XX/XX/2018 ; then I saw the collection notice submitted since XX/XX/2018 and immediately I took action by phone and providing documents and submitted again in XX/XX/2018. 

As a consequence of this Collection notice pending. I have a negative reputation that is affecting my credit history with the credit card agencies. They have limited my credit balances. Also, my credit score is deminished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: IA
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:
It doesn't say much except hard inquiry for home loan or mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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 am writing to submit a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Equifax to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Equifax to date. The following are the details of the disputed accounts and the required corrections : XXXX. Account Name : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX. Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} Original Creditor : COLLECTION XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} Original Creditor : COLLECTION I assert that the above-mentioned accounts are not mine, and their presence on my credit report is inaccurate and unjust. I dispute the reported balances and past due amounts, particularly for accounts that are closed and charged-off. These inaccuracies have had a detrimental impact on my credit score and financial reputation, causing significant harm to my creditworthiness. 

I also found inaccurate information in my credit report for the account identified as XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$5900.00} ). I recall having a lower Balance than {$5900.00} on this account. Moreover, the Past Due amount shouldn't be reported for this account as it is closed and charged-off. I request Equifax to mark this account as disputed while I resolve my dispute with the creditor and verify the Date Opened, Date of Status, and First Reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed the account being reported by XXXX multiple times. Every time, XXXX responds that the information is accurate, but IT IS NOT. It seems that the credit reporting agencies ( XXXX, XXXX & Transunion ) simply take XXXX 's word for things rather than conducting a proper " investigation. '' The credit bureaus are responsible for verifying the ACCURACY of the information THEY report. They can not simply rely on XXXX 's word, or the word of ANY creditor, with no proof. 

As explained previously, this account was included in my bankruptcy in 2008 in the XXXX District of IL Bankruptcy Court Case No. XXXX. Despite XXXX XXXX choosing to classify this debt as a student loan, IT DOES NOT MEET THE DISCHARGABILITY EXEMPTION CRITERIA contained in 11 USC 523 ( a ) ( 8 ) or even the definition of a " qualified educational loan '' under 26 USC 221 ( d ) ( 1 ) as it was issued ABOVE THE COST OF ATTENDANCE as  established by my educational institution. 

Whether or not XXXX agrees with the Judge 's decision or even likes the judge 's decision is 100 % irrelevant. The fact of the matter is THIS DEBT WAS DISCHARGED IN 2008 -- 10 YEARS AGO. As such, IT IS A VIOLATION OF THE FCRA to continue reporting it on my credit report ( s ). Irregardless of XXXX 's position, I have court documents affirming my discharge and this debt needs to be COMPLETELY REMOVED from my credit report ( s ) immediately as the discharge was 10 years ago and therefore no longer qualifies to report on my credit IN ANY FASHION.

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 2021-04-27
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage is held by Wells Fargo Bank. I had been receiving COVID mortgage relief for some time as the result of being XXXX, and later requested Wells Fargo perform a loan modification. I was under the impression my responsibility was to make three consecutive mortgage payments in order to complete the processing of the loan modification. I asked if the payment dates changed, and was advised it had not, but it was reduced to {$930.00}. I made my first and second payment weeks in advance, however I have been receiving incessant nuisance calls and letters reminding me to make a payment, as if I'm late. I advised the last representative not to call me and not only did I receive a call, but a letter demanding close to {$9000.00}, that I was told not to worry about it by Wells Fargo. Wells Fargo is harassing me and traumatizing me. They are making me feel as they have bamboozled me and are attempting to take my home. They are creating a paper trail although I'm making 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 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/2022 - I applied for a Capital One Savory Card, but the application was denied at the time of applying. 
XX/XX/2022 - I realized my XXXX credit report was frozen ; at this time, I scheduled a thaw for XXXX hours to end on XX/XX/2022. 
XX/XX/2022 - I contacted Capital One asking if the denial reason was because of my XXXX report being frozen. The customer service agent could not give me an answer. Shortly after the call, I received an email from Capital One stating why my application was denied. The denial reason states, " Capital One account credits limits are too high '' XX/XX/2022 - I called back into Capital One to ask about the denial reason, I was told that I needed to contact the credit bureaus to get an explanation of my denial reason. I asked to speak to a manager to inform them that I did not understand my denial reason because I do not have a high credit limit, and my credit card balance is only {$50.00}. As a consumer and a long-time customer of Capital One, I am disappointed in the discrimination, unjust, and fiduciary action that has been shown to me during this process. Per Capital One 's denial letter, they pulled credit reports from XXXX, XXXX, XXXX, and XXXX. I informed the manager that this was impossible because my XXXX and XXXX credit reports were and are frozen at the time of the application. The manager asked if I would like for her to run the application once again. But, the damage was done. Capital One blatantly provided false and incorrect information to me regarding my application. Capital One blatantly denied my application for fiduciary reasons. Per FDIC Section 1002.6, a creditor shall not use credit information against an applicant to discriminate against the applicant. 
Per the CCPA, I, as a consumer, should be protected from Capital One 's harmful acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-14
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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 2022-12-14
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report 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 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 2020-09-22
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 I made a purchase where the payment was made through PayPal in the amount of XXXX. I have contacted the merchant for a refund because they had not shipped my items or provided accurate shipping information. I also contacted PayPal on XX/XX/2020 where I was informed that the said Merchant MISSINSTYLE had not provided any tracking information to them either. However, PayPal is refusing to issue a refund and wants me to wait until XX/XX/2020 for the merchant to ship the package. I have emails from the merchant refusing to issue a refund stating that it has been shipped and I should wait until I receive it to see if I like the item. Clearly the item has not been shipped but they have received payment, I would like assistance with getting my funds returned since the bank is unable to dispute the charges being that this is a third party purchase. Something I was totally unaware of prior to calling the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have been going back and fourth between The EDD and the BOA taking turns waiting and verifying every time I get transferred and then get put on hold and either get hung up on. Or they tell me to call my sponsor. I call my sponsor they tell me call the BOA. All day long for three weeks straight. I have contacted Assembly Man XXXX XXXX abut this matter. I have been treated rudely, I have been hung up on after waiting on hold for over 2 and a half hours every time. Just to be hung up on. I had payments sent to that account and during the time my card was locked and pending verification. Well any funds that where put there between and XXXX all the way until XX/XX/XXXX I believe. The bank did not start denying payments from the EDD as of XX/XX/XXXX. It is really plain to see that my card was locked and funds were being removed. If the account was locked and card locked how did the funds get moved. I am tired of getting a run around I really need my payments and think it is really unfair that I have been waiting a very long time for my payments and here it is now XXXX about to be XXXX and still waiting.

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 2020-07-10
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After i closed my Store Card on XX/XX/2019 with MACYS, They " Mistakenly " Charged my Account with {$350.00}. 
which is showed in my credit report 5 Late Payments since i noticed! 
Which is drastically Dropped my Credit Score. and prevented me from applying for Credit card.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was 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. 

XXXX XXXX {$3500.00}

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 2022-12-14
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The wrongful and deceptive act was when they reported lates to the credit reporting agencies while I was under a repayment plan which protected from that very act, along with canceling my card after you claim I requested it, but DID NOT, further creating more derogatory information to be reported and further damaging my credit rating and trust with other lenders as a result of your Unfair and Deceptive acts and practices. 

Furthermore, they then called in an effort to collect the debt, but failed to state the reason for their call, nor state that it was an effort to collect a debt. This act alone is deemed an Unfair Deceptive act or practices, and prohibited by credit collection acts and laws. It is presumed that this is their standard practice and if so, other parties are likely similarly injured by their deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
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: Account status incorrect

Complaint:
I have recently contacted XXXX XXXX regarding some late payments that I do not think is right. I was making all my monthly payments on time for the 12 month period and the creditor still reported me as being late.

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 2021-03-04
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
Equifax is still violating my FCRA rights and denying me access to my credit report ( see attached screenshot from today, XX/XX/21 ). They fictitiously claimed in my last CFPB complaint, which was closed in error for some reason, that they had " mailed me a copy of my report, '' which was a complete lie. I have attempted to file the previous complaints with the CFPB, which were all closed without logical reason. The prior cases were : XXXX, XXXX, XXXX. I am still being denied access to my credit report by Equifax, in violation of my FCRA rights. See attachment.

Company response to consumer: Closed with explanation