BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-12
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:
EXPERIAN has violated my federally protected rights under the FCRA which protects me from unfair and inaccurate credit reporting practice. You were to ensure the information reporting is in a manner thats fair and equitable to me and you failed to do so. I have sent multiple letters and complaints in hope of getting help rectifying the issue and Experian has been willful and negligent non compliance with Federal law. Attached is a Notice of Intent To A Lawsuit along with the instructions on how to rectify the situation. PLEASE BE ADVISED The Attachment is time Sensitive.

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 2023-10-09
Company: U.S. BANCORP
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has reported late when it has never been late and it is affecting my credit score. This score needs to be removed immediately per the FCA reporting laws stating correct reporting is mandatory. 
This is the account. 

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 2019-03-10
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This account was opened for 18 months and I have always paid the amount due even if had to pay 2 months at a time, due to my pay at work. I paid the account down a large amount in XXXX. I made my final payment in XXXX. I then was slapped with over XXXX in interest after paying off the account. 
The irony is the one person I have been able to talk to me says I was 7 days too late in paying off the account so I was penalized. The other irony is I called multiple times during the account payment time last year 2018 and asked for this account to be put on revolving credit because I was told when I made this purchase I could make this change at a later time if needed. I was completely ignored and no one would allow this to occur. 
This company will not let me speak to anyone about this matter and I have called several times. I need this removed because this is fraud. I paid the amount off and was not late. I need this reviewed. I do not even have the same account number this statement is reflecting. I was sold this under XXXX and then someone else bought my account and changed the terms and will not talk to me. NEVER do business with XXXX or XXXX XXXX because they are FRAUDULENT and will ruin your credit. I bought a large diamond for my wife and she has a large credit account with XXXX, but due to the horrible time we have had dealing with this company we will never do business there again. Great jewelry, horrible banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MN
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, Experian, XXXX are reporting this XXXX credit card with an outdated balance and payment information as this has not been reported for 3 months. Please update the balance as provided by XXXX. XXXX  statement provided. 

This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, XXXX, and Experian. The following documentation is provided from the original creditor of the payment and therefore XXXX, XXXX, and Experian credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, 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 2023-03-21
Company: Experian Information Solutions 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:
I got many open accounts an inquiries from unknown companies showing up on my credit report. I need these removed asap as these are fraudulent

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 2019-03-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
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:
It is my understanding that CFPB has taken action against PORTFOLIO RECOVERY for fraudulent collection behavior. I am a victim of such behavior and the credit bureaus will not investigate on my behalf. Portfolio Recovery has a fraudulent collection account on my credit report in the amount of {$670.00}. They report this as a delinquent derogatory account on my credit report every month and this is a fraudulent account. They continue to update as a negative account every month against me. I have filed several disputes with the credit bureaus multiple times and they have not taken any action to help me. This is a fraudulent account that I do not owe and that is not mine. They haven't proved or provided any agreements or contracts signed by me. They just ignore my disputes and keep on ruining my credit profile every month. The credit bureaus need to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions Inc.
State: MN
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, Experian, XXXX are reporting that I was 30 days late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is incorrect. On XX/XX/XXXX, {$1200.00} payment was made. XX/XX/XXXX there was {$1200.00} payment that was made and in XXXX there were payment of {$1300.00} on XX/XX/XXXX, {$1300.00} on XX/XX/XXXX, and {$630.00} on XX/XX/XXXX. The due date is the XXXX of every month, so these payments were not 30 days as it is being reported. 


This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus XXXX, XXXX, and Experian. The following documentation is provided from the original creditor of the payment and therefore XXXX, XXXX, and Experian credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information.

15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies.

15 U.S. Code 1681n - Civil liability for willful noncompliance - any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Proper evidence has been supplied from XXXX  XXXX XXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. 

Sincerely, 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 2022-10-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my another request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX creditor XXXX XXXX Balance : {$91.00} Original creditor : XXXX Balance : {$550.00} Original creditor : XXXX Balance : {$130.00} Original creditor : XXXX Balance : {$78.00} Original creditor : XXXX Balance : {$1500.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX PL XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$78.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$91.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX Inquired on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: National Credit Adjusters, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out some online payday loans over a few years ago and paid them off. But National Credit collectors/adjusters says I still own for one. When they call they don't identify themselves unless I pressure them. Then they go right into setting up payment plans on a loan I don't remember still owing on. When I start asking for more information, they get rude and pushing about making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I do not owe any alleged debt, As a consumer I only I can Validate a debt and I do not. They have yet to provided me with the original copy of the contract in wet ink.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX. I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX : {$550.00} XXXX XXXX XXXX balance : - XXXX XXXX XXXX XXXX Balance : {$220.00}

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 2021-01-27
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on a refinance mortgage with Amerisave Mortgage in XX/XX/XXXX, for our primary residence. Amerisave is suppose to pay the property taxes out of escrow, per the terms of the mortgage. We have made all our payments on time. As you will see from the attached documents, we received a tax delinquency notice from our municipality on XX/XX/XXXX. I called Amerisave and asked them to fix this, and to pay the interest due to the municipality. I sent Amerisave a follow up email with a copy of the delinquency notice. 

On XX/XX/XXXX I received a tax refund check from Amerisave 's Title Company for {$8400.00}. Taxes at that time were still not paid. I contacted Amerisave again and asked them to take care of the property taxes and to advise me what I should do with the {$8400.00} tax refund, i.e. do I need to return it to escrow? ( see attached emails ). 

On XX/XX/XXXX I sent a follow up email to Amerisave to see what the status is ( see attached ). To date, no response. Our municipality advised if this is not taken care of they will put a tax lien on the property. We have been paying the monthly mortgage ; it is Amerisave 's responsibility to pay the tax - and interest for failing to do so.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: Paypal Holdings, Inc
State: MA
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 put my account in a permanently limited state without telling the reason why and they are not responding to any of my emails. 

I closed my account a few years ago and then reopened it a few weeks ago with my bank debit card. They then put it in a limited state and asked for personal information, once I did they lifted the limitation. 
I then made a request for the Paypal debit card to be mailed to me and changed my registered mailing address as I moved recently. They then told me that my account was permanently limited for 180 days and they're holding my money. 

When I tried to send them a message the messaging center auto responded that there are no agents available and to call back during business hours even though I called around noon. 
My account is frozen and they're not responding to my email and their phone number just automatically hangs up on you. 
As you can see by the screenshots attached their automated system is telling me they're close and to message them during business hours. While I am messaging during business hours.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
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: Information belongs to someone else

Complaint:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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:
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 u.s.c 1681 has violated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has violated my rights. 15 U.S.C 1681 section 602 A states I have right to privacy. 15 U.S.C 1681 section 604 A section it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681C section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 2020-02-26
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 just started looking at my credit and I see a couple of default acconts that I did not open

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 2023-03-21
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: Information belongs to someone else

Complaint:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX  XXXX A XXXX Balance : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: EQUIFAX, 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 information incorrect

Complaint:
Equifax is reporting a derogatory mark on my credit report. I contacted the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. ( OFFICE : XXXX TOLL FREE : XXXX ) XXXX, and they said that I was n't liable for this mark and that they were not reporting this to any credit agency. I tried disputing it with Equifax and also opened up a reinvestigation earlier this year that has not been addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: EQUIFAX, 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 have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX XXXX {$22000.00}, XXXX  XXXX/XXXX  {$340.00}, XXXX XXXX XXXX XXXX XXXX {$19000.00}, XXXX XXXX , XXXX XXXX XXXX {$410.00}, XXXX/XXXX  XXXX XXXX {$6000.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. None of these accounts are mine, I didn't open them and never used them.

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