BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A foreclosure on my TransUnion report should have aged off the report XX/XX/XXXX as date of first delinquency was XX/XX/XXXX and the account was never brought current after that date. It seems that the creditor re-aged the account for several months from XX/XX/XXXX thru XX/XX/XXXX as current when it was not as no payments were ever made during that time period. The report also makes note that as of XX/XX/XXXX the account was at least 120 days past due. I disputed the account current status for the months of XX/XX/XXXX thru XX/XX/XXXX pointing out that the date of first delinquency was correctly reported as XX/XX/XXXX and the XX/XX/XXXX date shows 120 days deliquent which negates at the minimum the current status for the first 4 months of XX/XX/XXXX. Each time I disputed the account, it came back as verified and remained on my report. I also sent copies of the foreclosure court papers filed by the creditor in XX/XX/XXXXof XX/XX/XXXX stating and swearing accuracy that the account has been delinquent since XX/XX/XXXX and never brought current. I sent these court papers on 3 occasions, once electronically and twice via USPS certified. TransUnion never took into consideration the proof that I sent them. I was told that the account is verified as correct by the creditor. My last verbal dispute with TransUnion that they take into consideration the legal court documents I sent them proving that this account should no longer be on my credit report was on XX/XX/XXXX. Although I received acknowledgement of this dispute on XX/XX/XXXX I never received any further response and the item remains on my report negatively affecting my credit after it should have been removed almost 5 months ago. This has been disputed at least 8 times over that time period. TransUnion rep told me they do not have a disputed resolution department and only consider what the creditor verifies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX : The XXXX reported as past due is an error on XXXX XXXX part. All excess liability was paid for by my GAP insurance coverage purchased from XXXX XXXX, as confirmed by a document received by them in XX/XX/XXXX. ( 1 ) This has resulted in continued threatening action and misrepresenting the status of the debt which was paid in full in late XX/XX/XXXX. Reported as active collections on both XXXX and XXXX for a total of XXXX and as a revolving account to Experian, with a past due payment of XXXX. ( 2 ) XXXX XXXX misrepresented the type of debt, causing the most harm to my report and score. This represents a lack of good faith effort to ( 3 ) Consistently report the same data to all bureaus ( 4 ) Affirms there was no review of my file in validating my debt to bureaus, disputed multiple times since XX/XX/XXXX ( 5 ) With the outcome of a detrimental mark on my credit report for years as a result of their error when my account was paid and closed in good standing over 4 years ago.

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 2019-10-15
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal has been the absolute worse company I have ever had the pleasure of doing business with. I used paypal as a payment processor from selling on XXXX. They arbitrarily closed my account while I had active shipments and payments and are holding my money for 180days. This has caused me to suffer monetary loses as I only sell personal things. They also removed money out of my account while its was closed to pay someones elses debt which I did not or could not authorize! On top of that they have taken their fees and are getting interest from my money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: Amsher Collection Services, 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: Was not notified of investigation status or results

Complaint:
I ask sent me the bill I need proof of the money {$610.00} each month I cant pay Waith out proof XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted to get XXXX XXXX XXXX to remove this account from my credit files on multiple occassions. I have requested to relieve the original application and copy of my drivers license. I have been told by them that they do not have that information. That I would have to contact XXXX XXXX directly. They are aware that when I try to contact XXXX XXXX their automated system transfers me to XXXX XXXX there 's is no way for me to contact XXXX XXXX directly to request the information. I contend that XXXX XXXX never verified my identity before opening a credit card account. It was XXXX XXXX XXXX responsibility to verify my identity before opening an account. Because they did not verify my identity when they opened the account, the account is void and must be removed from all of my credit files. Every time I request this basic information from capital one I am sent a fraud affidavit, or a copy of a billing statement, they refuse to send me the information I am requesting. I am requesting that they send me the original application and copy of my drivers license that they have to keep in file, if they can not provide me with this information request, then the account is void and must be removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-15
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
XXXX XXXX is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with XXXX XXXX in XX/XX/2018. please remove this from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Equifax is depicting XXXX/XXXX XXXX, ACCOUNT NUMBER XXXX ON THEIR BUREAU REPORT. 
ON XX/XX/2019 I SENT IN A DISPUTE BY MAIL.THE ACCOUNT WAS NOT INVESTIGATED OR PUT UNDER DISPUTE.THERFOR I SUBMIT THE FOLLOWIN : THIS ACCOUNT WAS ESTABLISHED GIVING CREDIT TO PURCHASE MERCHANDISE, A RING.THE ORIGINAL AMOUNT WAS OVER $ 3000.AFTER PAYING ABOUT {$1000.00} IN PAYMENTS I FOUND OUT THE REAL VALUE OF THE MERCHANDISE ... .NOT DUE TO DEVALUATION OF GOLD OR DIAMONDS THE RING IS NOT WORTH {$300.00} DUE TO POOR QUALITY.I QUIT MAKING PAYMENTS AND GAVE UP TRYING TO SELL THE MERCHANDISE.I FOUND THAT IN CALIFORNIA WE HAVE IMPLIED WARRANTY LAWS THAT ARE NOT DEFEATED BY CONTRACT DISCLAIMER.THE RING DID NOT HAVE ANYWHERE CLOSE TO THE VALUE STATED AT PURCHASE.I WAS DEFRAUDED BY THE MERCHANT CREDITOR AT PURCHASE ... ... ... ... .DELETE FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Phoenix Financial Services was made aware that the account that their company held under my social security number with an account in the amount of {$1800.00} were a result of identity theft and did not belong to me. Phoenix Financial can't verify this account as mine and has no legal document bearing my signature. Phoenix Financial Service did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Phoenix is continuing to report inaccurate information onto my credit file. Not only that how can Phoenix Financial verify anything medical with a credit agency being that I have never signed HIPPA form authorizing them to have access to any of my patient information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has reported false information on my credit for the past 2 years. The company that reported this debt never submitted any proof or verification that I owed this money. This debt was deleted from my XXXX report within 24 hours of submitting a dispute online however I have made several attempts by phone and electronically to dispute this fraudulent debt to Equifax to no avail. This is causing me great hardship as it is preventing me from obtaining housing. The XXXX XXXX in XXXX WA is alleging I owe {$210.00}, which I do not. This has caused my rental application for two apartments to be denied. This has caused me financial harm. I do not believe Equifax properly investigated this dispute. I believe Equifax simply posted this false debt on my credit report without any proof it was mine or that I owned or owed the debt. I want this false debt deleted from my Equifax credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: EQUIFAX, INC.
State: NJ
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:
CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX XXXX ) to verify a public record. My XXXX XXXX credit report is frozen yet they claim to be using them to verify this public record below. 

XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet XXXX  keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. 

the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i  ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. 

XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Synchrony Bank, the original creditor of Gap credit card sold an " unknown '' old debt to a debt collector XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ). I closed this account in XX/XX/XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called Gap card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

XXXX turned it over the XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. XXXX XXXX  sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XX/XX/XXXX and all of a sudden they called me early this year XX/XX/XXXX to tell me that I owe them. After 5 years??

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 2019-10-15
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/2019 I received notification of a new credit inquiry on my Equifax report. My credit report had been pulled in XXXX, Texas at a car dealer. I live in Arizona and I am not looking to buy a car. I have not visited a car dealer in Arizona or Texas. I tried to file a dispute and the website directed me to contact the company in the inquiry which is XXXX Of XXXX. I contacted them the same day with no response. The following morning, XX/XX/XXXX, there was a new inquiry again from XXXX of Texas. I called them again and their reply was that if I did not provide them my ss # they could not tell me who pulled it. I did not provide them my social since they had pulled my credit twice without consent, I was worried that they would do it again. I asked if there was any other way they could help me and they asked if it was for a new or used car. How am I supposed to know what they pulled it for if it was not requested OR authorized by me? I finally successfully filed a dispute through Equifax but it came back as " factual data '' and stayed on my report. I called XXXX of XXXX once again only to be told not to worry about it. They said " someone with a similar name '' was buying a car and that is why it showed on my report! So there are still two unauthorized inquiries from XXXX of XXXX on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
The first three payments were ok then I switched the method of payment and the next payment was ok then they went back to a previus payment method that was removed and caused overdrafts. I recieve terms that im not to file a dispute. My last payment was held for 4days and " returned '' I was kick off the app for 3 weeks and unable to connect with customer service. I have XXXX in a savings

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Receivables Outsourcing, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received a letter from Receivables Outsourcing LLC, dated XX/XX/XXXX, requesting a payment of {$62.00} to XXXX XXXX Hospital for the service performed on XX/XX/XXXX. 

I responded with the letter ( mailed on XX/XX/XXXX ) that according to my insurance XXXX XXXX and XXXX XXXX XXXX I am not responsible for the {$62.00} charged by XXXX XXXX Hospital. Namely, in the Explanation of benefits letter the XXXX XXXX XXXX wrote : " The total amount of what is not allowed and/or not covered is {$62.00} of which you owe {$0.00}. '' Regardless my explanation, Receivables Outsourcing LLC did not respond and did not withdrew the request for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Experian Information Solutions Inc.
State: TN
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:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 

1. XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 4/ XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5.  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) 5.XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards

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 2019-10-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I open a Macy 's credit card and never got it to my address I never got that welcome package I called them for the last few months I was approved for it but never got it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-05
Company: VW Credit
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
VW CREDIT XXXX XXXX Opened Date XX/XX/2018 Balance {$9900.00} // Charge Off

Company response to consumer: Closed with explanation