BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-24
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX account # : XXXX, XXXX and 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 as a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681b A creditor May not on a credit card account under an open end consumer credit plan as late for any reason Remove late payments or delete the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
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 am submitting this Complaint regarding the fraudulent account and information I found you report on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. I am in need of you to please rmeove hte following items off of my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2500.00} XXXX XXXX FIN XXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File.

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 2023-09-27
Company: TD BANK US HOLDING COMPANY
State: MD
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 have a credit card with Target issued by Target Card Services to TD Bank USA. On XX/XX/XXXX, I had a minimum payment due in the amount of {$160.00}. On XX/XX/XXXX ( really XX/XX/XXXX but I paid after the cutoff ) I made a payment of what I thought was {$170.00} ( but there was a typo and it was only {$75.00} ). I NEVER once received a call, mail or email from Target notifying me that I had a past due balance or any communication regarding my account being past due. On XX/XX/XXXX, I was down with XXXX and was late making my payment. I paid on XX/XX/XXXX. Target reported my account to the credit bureaus stating I was 30 days late. I have never been 30 days past due with Target since I had my account in XXXX. They didnt once notify me in an attempt to bring the past due balance to my attention to try to remedy this situation but you report a negative marking that last for seven years on my report is utterly ridiculous. I would like this removed from my credit report. This is absurd. I work hard to maintain a good credit rating and because of a typo and poor customer service I have been penalised. I have a job that requires my credit rating to be in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: MS
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 submitted proof that debt was paid, but information has not been corrected on credit report or company. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: CAVALRY INVESTMENTS, LLC
State: MA
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'm trying to buy a house, and I realize I still have damages on my credit report. According to the 15 USC 1681 Law, there should not be any damages on my credit report. This is a defamation to my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 submitted proof that debt was paid, but information has not been corrected on credit report or company. 

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 2023-04-25
Company: ENCORE CAPITAL GROUP INC.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Asked for validation from original creditors, and written deal and terms. Told them I had a dispute on one XXXX XXXX account that was never refunded, company will argue that they sent validation but it not the original contract with any itemized charges to prove the amounts are correct, they have 4 accounts and threaten to sue. And refused to send anything written I asked for validation multiple time and gotten they sent it, its not telling my anything they dont have the information I need to validate or just refuse to send

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My son sent me money through PayPal using the family and friends method and PayPal has it on hold for no reason. Its in my account now but I am unable to do anything with it, I cant withdraw it, I cant send it, I cant spend it or refund it. After giving me the run around for 8 hrs yesterday I finally spoke to someone that was able to bypass all the security and I was able to withdrawal only half of it. When I tried the other half I get a error, so I contacted PayPal again and they tell me its on hold for 24hrs because of security risk, how is there another security risk when I just spoke to someone and they bypassed everything after I verified and confirmed my identity already. I decided to give up for the day then this morning I attempted to withdrawal it again and it didnt work. So I contacted PayPal and followed all the instructions they gave me, tried to withdrawal it using a different card and stuff because they told me it will work, well it didnt work. All morning Ive been messaging a rep at PayPal and he keeps giving the run around and lying to me, now suddenly instead of a 24hr hold its now a 72hr hold. I followed every direction he told me to follow and now its a 72hr hold. He caused it to become 72hrs not me. I would have had only a few hrs left if it wasnt for him. They keep bring up security system and risk when Ive done nothing at all myself to trigger such a thing. I need my money so I can buy my daughter milk and diapers, I got XXXX kids I cant wait 72hrs to access my funds. It was money that was sent to me by my own son, all I did was try to withdraw it from PayPal to use, how did I trigger any security flags. Ive spoken to at least 10 different reps at PayPal and they keep on lying to me and giving me the run around, what kind of business is PayPal running, they are scamming people at a time like this when were in a pandemic, theres suppose to be relief and support going around but they are causing nothing but stress and hardship, they are taking time away from me and my family. I know they can bypass whatever security system and let me withdrawal my money because one person was able to already. I just want them to give me my {$100.00} and I wont do anymore type of businesses with them anymore, they are the worst, what they are doing cant be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage includes escrow for insurance and taxes. I received a letter from Mr. Cooper in XXXX of XXXX that there would be an escrow shortage of {$1000.00}. At that time my monthly payment was {$2500.00}. The letter stated my payment would rise to {$2500.00} to cover the shortage. It also said if I wanted to avoid the increase, I could pay the shortage in full. 
I paid the shortage on XXXX XXXX. In spite of this, Mr. Cooper still raised my mortgage payments to {$2500.00} Subsequent calls to them to have the escrow payment acknowledged and my monthly payment reduced to the amount it was prior to my making the payment have all ended in frustration and refusal by Mr. Cooper to resolve the issue. 
In addition to this, my online account reflects my payments will increase on XX/XX/XXXX to {$2600.00}. This increase is listed as a result of the SAME {$1000.00} shortage that I already paid in XXXX of XXXX. 
They do this every year.send a letter detailing an escrow shortage and payment increase, listing how much one must send to avoid the increase, then they raise your monthly payment anyway after receiving the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Experian Information Solutions Inc.
State: WA
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 two accounts that I would liked fixed. And Im not sure what to do. The first one is XXXX XXXX XXXX XXXX. Its says I was 60 days late. They told me that I could skip my payments because I was going through a hardship. But that was not the case. 

The other one is XXXX XXXX XXXX I missed a payment because they didnt have the right address. Or it was because it was suppose to be paperless.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT IS NOT MINE. EXPERIAN IS NOT DOING DUE PROCESS ACCORDING TO LAW TO GET THIS REMOVED OFF MY CREDIT FILE. THEY ARE MERELY USING E-OSCAR AND NOT CONDUCTING A INVESTIGATION. I HAVE PROVIDED POLICE REPORTS, IDENTIFCATION DOCUMENTS, AND FTC AFFADAVIT AND EXPERIAN STILL HAS THIS LISTED ON MY CREDIT FILE AND IT IS NOT MINE. IT IS AN RESULT OF IDENTITY THEFT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello CREDIT COLLECTION SVCS ; XXXX XXXX XXXX  ( Balance : {$140.00} & Account number XXXX ) ; Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
The name on my consumer report XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Georgia and any other spelling of my name is incorrect except : XXXX XXXX XXXX The addresses on my consumer report XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX any other address is incorrect except XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The employers XXXX XXXX, XXXX By XXXX and XXXX on my consumer report are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: CADENCE BANK
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/XXXX I called XXXX Arkansas ( XXXX ) to pay an electric bill with a debit card ( checking account ) for {$190.00} ( Cadence BankXXXX ) . Apparently they use ( possibly a subsidiary ) XXXX XXXX ( XXXX ) to handle these types of transactions. I have proof from a bank statement dated XX/XX/XXXX that XXXX did receive this payment which was posted by the bank on XX/XX/XXXX. However, the utility account was never credited and the power has been disconnected ( this is for a garage apartment this is a rental property... presently unoccupied. An invoice was mailed XX/XX/XXXX showing a past due amount of {$250.00}. I contacted XXXX Customer Service ( same number as above ). Three different representatives gave me three different responses. ( 1 ) " Let me see if I can reach out to someone and see why your account was not credited '' ( while on hold they terminated the call. ( 2 ) " You must send your inquiry via e-mail and that's all I can tell you ''. ( 3 ) " We can not help you. You must call XXXX XXXX ''. I called XXXX XXXX yesterday ( XX/XX/XXXX ). During two calls I was placed on hold for over 30 minutes each time and never got to speak with a representative. Today at a local authorized payment location ( XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX Arkansas ) I paid {$280.00} in cash to pay the last bill in full and a {$39.00} cash payment to have power reconnected. Of course, the {$280.00} amount included the {$190.00} already paid but not credited. No one would take any responsibility or try to help me find out why my debit card payment was unaccounted for and misplaced. This is an example of an abusive, incompetent monopoly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: JPMORGAN CHASE & CO.
State: NJ
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:
If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and correct it immediately in my report : 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 2023-10-10
Company: Eastern Account Systems of Connecticut, Inc.
State: IL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Eastern Account System I Fraudulently added this account to all 3 of my credit bureaus reports with no proof of verified documentation from me on XX/XX/23 for {$510.00} of which was paid in full not by me I was told on XX/XX/23 or XX/XX/23. 
I've never had an account with this company nor have ever owed them any money. Nor have ever been in collections for any company they work for. 
They fraudulently added an address to my name that I've never lived at on my credit reports. 
They have part of my info for this account, which I have no idea of how it was obtained, the other half of the info belongs to someone else. 
They've Fraudulently said they've verified all information. The question is with whom? 
I'm entitled by law to know the list of names & addresses of all that was contacted to verify of this said account that was said it belonged to me, which it does not. And the names of persons who said they verified this fraudulently proof of documentation on this account. Also requesting copies of all proof of said documentation. 
I have never opened a account nor lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX or XXXX. I've lived in Illinois for almost XXXX. 
This debt has never been mine nor my responsibility. 
Eastern Acct System I is to contact XXXX, XXXX XXXX XXXX & have this Fraudulent account removed immediately from my credit reports. 
I've been inconvenient long enough with this emotional rollercoaster of someone in their company not doing their job correctly affecting my livelihood.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
Accounts in violation : XXXX, XXXX 15 USC 1666B states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose. 
Accounts violation : XXXX Please remove these accounts and late payments off your credit and consumer reports.

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