BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-27
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:
Today upon checking my credit report on XXXX XXXX my score decreased significantly because XXXX  reported that my XXXX  MasterCard increased by {$4000.00} this is completely incorrect my balance did not increase by that amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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:
My personal information got leaked in the Equifax data breach upon recognition of new items appearing on my credit report I filed a identity theft affidavit, mailed it to all three credit bureaus, due to suspicious activity on my report. I reached out to Equifax and was advised them fraudulent items could not be removed due to me not send enough supportive information although Equifax are the ones that breach my information. I then asked what additional information was needed to have the identity thefts items removed and was advised they could not tell me that as their system determines what supporting documents are sufficient to have identity theft items removed therefore they are solely now going to go on the word of the debt collector which is completely illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
These companies have continued to harass me even though I have explained and provided proof that Im not responsible for the things theyre placing on my credit report. I have police reports and other documents proving I was living in another state when these things occurred the times they did. The companies arent resolving the issues. Some of the companies have even took it upon themselves to duplicate some of the fraudulent charges to hurt my credit report purposely. I have suffered greatly due to these fraudulent charges. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. XXXX XXXX XXXXXXXX collections- {$550.00} XXXX XXXX $ XXXX duplicated fraudulent charge XXXX XXXX {$560.00} XXXXXXXX XXXX {$610.00} XXXX XXXX {$660.00} XXXX XXXX {$690.00} XXXX corp- XXXX XXXX duplicated fraudulent charge XXXX XXXX {$850.00} XXXX XXXX XXXX- {$870.00} XXXXXXXX XXXX {$960.00} XXXX XXXX {$990.00} XXXXXXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} National Credit system- {$5600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Im extremely upset and disgusted with the way PayPal has handled this situation. Ive called in numerous of times the phone will hang up and Supervisors are rally available. Ive now been dealing with this situation going on a year. In the amount of {$490.00}. PayPal has sent the claims to a creditor to get the negative balance paid on my account without even consulting me first To resolve the matter or to seek clarity. As requested for the claim I was to send the product back to the seller in XXXX which I did. Proof is also upload it finally to PayPals website which I had several technical difficulties. The address that I sent the product who is the same address that the seller used to send me the product initially. In my documents you will see in the image provided that the address thats listed on the package is the same address where the product was returned. It is not my fault as the buyer to know exactly the sellers address whatever address that was provided to me is the address that was used. I feel the requirements by sending the product back and its been gone for several months only for it to arrive back in the US as of XXXX with a stamp from XXXX. Ive waited on hold dealing with PayPal for XXXX hours trying to get hold of a supervisor when I finally got a hold of a supervisor she was extremely rude and nasty. She did not care about my matter it was completely nonchalant and lack sympathy. I expressed my frustration with her and asked to speak to someone else and she said no one was available. It was completely unsettling to hear people laughing in the background while Im waiting for an hour for service. This has been a completely traumatic experience that shouldve been handled several months ago. PayPal reverse the credit after 90 days. The credit shouldve been final in the amount of {$490.00}. Simply because I sent the product back and I even called in and ask a representative when will I get confirmation to get my refund and they stated that as long as it arrives in the country the seller should be able to locate it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: EdFinancial Services
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund for my student loan payments ( {$1800.00} ) from Edfinancial that I made when my repayments were paused after the CARES Act was enacted. I made this request on XX/XX/2022, before loan forgiveness of $ XXXX was announced. I was told it would take 60-90 business days but I haven't received any email or information online to confirm this process is happening. I called again in XXXX to ask about what is going on and they said it is still processing. However, I am now seeing that some people are getting their loans reinstated and receiving their refunds in a short period of time, even though they made the request over a month after I have. I would like some more transparency on the matter, and to receive my refund sooner rather than later if possible. I have been unemployed for a few months and really need the money back to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: Experian Information Solutions Inc.
State: TN
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 writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-12-26
Company: EQUIFAX, INC.
State: TN
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 writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi my name is XXXX XXXX XXXX You Guys dont have more options for different complaints I have four collections with the California Business Bureau so I called then to see of they cant remove 2 of them from my credit because their due to covid the government gave money to the employers to compensate sick employees of covid people were dying in the thousands I was sick i was not pretending I had that virus so I did not paid it went on collection and its costing me money and it mess up my credit more so Im paying off my collections so I called they said they can only remove it after its paid I said thanks and hanged up and said I will pay it. Then one minute later theres an inquiry on my credit report that they try to get a loan and bank account under my name under my social security with out my consent how is it that the CALIFORNIA BUSINESS BUREAU can do that with out my consent how is it that they can try to use my name with out my consent they are violating my identity my privacy covid murder millions the employers kept the money and alot of corruption why is California trying to open a loan with my credit the inquiry I want it remove from my credit report because I did not consent for that I take ownership for all other inquiries its true but this one the state is violating my rights and I wont stand for that the usa owes XXXX XXXX dollars I owe just a small fraction and its not fair a Bureau does that to its citizens im paying back my debt and Covid happen to the whole world not just me its so unfair that a institute a Bureau does fraud or Identity theft I did not consent for them to use my name

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: IN
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 explanation
Consumer complaint received 2022-01-21
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2021-03-02
Company: Experian Information Solutions Inc.
State: AL
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 sent Experian a dispute letter on XXXX for the negative marks on my account for the amount of {$280000.00} from XXXX XXXX. They came back and said that didn't have sufficient information to dispute.

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 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I am writing this letter to the credit bureau disputing the two late payments on me credit. Just to clarify, the first late payment that XXXX reported on XX/XX/XXXX was not valid as you had already traded in the vehicle on XX/XX/XXXX, and the Menards payment was made on the day the payment was due. I would like to recite the relevant sections of the Fair Credit Reporting Act ( FCRA ) related to this issue? 

In accordance with the FCRA, specifically XXXX  account # XXXX, the reporting of inaccurate or incomplete information by credit bureaus is prohibited. Section 602 of the FCRA outlines the procedures for handling consumer disputes and requires the credit bureau to conduct a reasonable investigation into any disputed information. Section 604 ( a ) ( 2 ) of the FCRA provides that if a dispute is filed, the credit bureau must promptly notify the furnisher of the disputed information and provide all relevant information about the dispute. 

Finally, 15 USC 1666b requires credit card issuers to promptly credit payments made to the account on or before the due date. Given that the Menards payment was made on the day the payment was due, it should be considered timely and not late. 

The FCRA, or Fair Credit Reporting Act, is a federal law that regulates the collection, dissemination, and use of consumer credit information. It provides consumers with certain rights regarding their personal credit information, including the right to obtain and dispute credit reports. 

In situations like the one I described, where there may be a dispute regarding the timeliness of a payment, the FCRA requires credit reporting agencies to investigate and correct any errors or inaccuracies in your credit report. This helps ensure that your credit report accurately reflects your credit history and that you are not unfairly penalized for any mistakes or discrepancies. 

Additionally, the FCRA imposes certain obligations on financial institutions and creditors to provide accurate and timely information to credit reporting agencies. This means that if a creditor reports inaccurate or misleading information about your credit history, they could be in violation of the FCRA and subject to penalties. 

Overall, the FCRA is an important law that helps protect consumers ' rights and ensures the accuracy and fairness of credit reporting. 

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-15
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I learned that this debt was sent to collections not only was it sent to collections but it supposedly is no longer in business. I never received a notice of collection or the option to dispute. I found the information of this debt collector on my report it was reported on XXXX. I wrote an letter for validation/verification on XXXX. I received a response on XXXX ; but it lacked information. It didnt include information I requested such as : 1.proof I am obligated to pay resurgent c/o LVNV Funding LLC.

2. Agreement between credit and debt collector.

3. Proof the debt collector is authorized to collect in my state ( Missouri ) 4.Proof Resurgent c/o LVNV 5.was the debt assigned or purchased? 
6. Amount paid if purchased.

7. Commission for debt collector of collection is successful.

8.If insurance claims has been made by any creditor regarding the account?

9.Have any judgments been claimed by any creditor regarding this account? 

I just want to be sure I am paying should be paying this debt collector. They have proved I should be or ownership of this account. That they have n obligation to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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