BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/2019 I requested my free Annual Credit report from Equifax via the Phone at XXXX where my request was accepted, specifying that the request would be processed within 15 Days. I submitted that request using my Home Phone Number from my Home both of which have been the same for the last 16 years. As of XX/XX/2019, I received no response from Equifax. Therefore, I submitted my request online at XXXX where, after answering questions regarding credit activity that never took place, Equifax informed me that my credit report was not available online and I would have to send additional documents to them physically to obtain my credit report. There was no indication why I could not view my Free Annual Credit Report which they are required to provide by law. 
I need that Credit Report so that I can review it for any potential problems. Please advise. 

Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I transferred {$150.00} XXXX ( {$110.00} ) to a friend via Paypal using my credit card. The listed fees for such a transaction are 5 % of the transaction ( min {$0.00}, max {$5.00} USD ) I was charged a fee of {$8.00} USD ( $ XXXX ). 5 % of the transaction is {$5.00} USD, over the max of {$5.00} and well below the {$8.00} USD charged. 

There is no explanation for the fee but the terms of Paypal 's website are quite clear. It is a small amount we are talking about but if they are over-charging people on the regular, this is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-10
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: OH
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 SOME ISSUES thatI foundon my credit report. I found a fraudulent account balance from XXXX XXXX XXXX .I know this account is not accurate I am disputing it I never had any business with any timeshares. I seen that the date listed for the above account was XXXX and it is XXXX that is past the statute of limitations. I request full documentation and the Date of last action on the above account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
just filed trying to get ANOTHER REPORT PLEASE since I am NOT ME.WHAT THEY ORIGINAL SENT WAS HORRIFYING. NEED HELP GETTING SUPPOSE TO BE CORRECT REPORT. STILL WAITING. FOR REPORT NEVER RECEIVED. PLease get them to shut my report them is main fraud. they are allowed access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Macy 's changed my method of receiving billings and did not notify me. They took it upon themselves to put my account on e-bill system without notifying me. Apparently they emailed me my invoices and I did not receive, most likely went to spam or junk and I had a late payment that I didn't even know I had due. They reported a negative report to the credit bureaus and will not undo. Also, pay attention to your account number, they changed my account number for some reason as well and didn't tell me, you will want to put the correct account # on your payment. Why they would randomly change your account number is beyond me.

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 monetary relief
Consumer complaint received 2021-04-23
Company: BTH Management
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I get a call almost every hour of the day. And was told my credit score will go down if I do not pay.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Experian Information Solutions Inc.
State: SC
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:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. Experian/XXXX  is reporting {$21000.00} and XXXX  is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/transunion is reporting {$21000.00} and XXXX  is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below

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 2021-09-20
Company: ACIMA CREDIT, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They say on XX/XX/2020 I did not go in no XXXX and get no furniture I'm found this at identity theft with the Federal Trade Commission we need to come to agreement you need to send me a contract show with my proof and signature you got to make sure you got all the information that you were saying with XXXX furniture cuz I do not have no furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
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: Account status incorrect

Complaint:
XXXX, XXXX, and Experian are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~400. I believe XXXX is displaying unfair practices.

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 2019-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX, TransUnion, and XXXX  are unfairly setting my credit scores. In the month of XX/XX/XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~400. I believe XXXX is displaying unfair practices.

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 2021-03-11
Company: Experian Information Solutions Inc.
State: NV
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:
I've sent letter disputes to the credit bureaus in XXXX and early XXXX regarding illegitimate inquires on my credit files and haven't heard back. The following inquiries are damaging my credit rating and the permissible purpose provisions of the Fair Credit Reporting Act weren't enforced : *see attached word document for listing of inquiries in question*

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 2020-11-10
Company: Freedom Mortgage Company
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: ENCORE CAPITAL GROUP INC.
State: NJ
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:
It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Online order from XXXX for the amount of {$100.00} on XX/XX/2021 WAS NEVER RECEIVED. I have called numerous times to advise Credit Card company as well as merchant. CC continues to charge me for an item never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Professional Finance Company, Inc.
State: CO
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:
On XX/XX/2021 at XXXX mountain time i received a call, that i requested, from professional finance company XXXX a ANd i asked for proof of the debt and everything, the lady, which she said our conversation was being recorded, told me she did not have proof and so i was given instructions to request proof so they could request proof from the company. If this is so, how did my dispute get denied twice due to the company providing proof? They have not had proof ao i need this removed from my credit report. Reference number XXXX with professional finance company and XXXX  XXXX XXXX, please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
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 HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS

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 2021-03-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, PayPal has closed our business account, With a factually proven invalid and completely unfair reason. 

We have been using PayPal for our XXXX XXXX since XXXX, as of XXXX XX/XX/XXXX they closed our XXXX accounts. 

This resulted in a huge loss of revenue and the damages are adding up each day. 

We have been reaching out to PayPal every day since XXXX XXXX and have yet to receive an update on our case. 

XXXX XXXX XXXX ( XXXX ) has been ignoring all incoming emails and hasn't given any reply yet. 

Also the XXXX has been contacted. 


There is sufficient data that the claims that PayPal makes are completely invalid, But they are not looked at. There is 3 years worth of transaction data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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:
Over the past several months I have requested the method of verification to validate the debt on Acct # XXXX with any evidence bearing my signatures showing that I have some contractual obligation to pay any debt. Letters were sent to the Bureau XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have failed to do so and only send information back stating the account has been validated. It shows that this is a closed account but it is still reporting late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: PLANET HOME LENDING, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To Whom This May Concern ; XX/XX/XXXX I am confused on the situation all this information this company and attorneys have documented is false, accept that we have not made a payment to Planet Home Lending, the company that bought the mortgage illegally, since XX/XX/XXXX since nothing that has happened is legitimate. We were not up to date on our payments in XXXX through XXXX, due to XXXX not accepting payments at that time. XXXX did, however, accept one last payment in XX/XX/XXXX. The payments sent before this monthly were refunded and refused, so when this mortgage was sold under false pretenses. I am sending along all the documents and the new ones from the present attorney trying to foreclose on our house, when none of the actions and activities leading to this has been within the law how can this happen. I have asked for answers from this company with no received none. I have more paper work I would like to send for more info, but I could fax it would be quicker. I have the current documents from Planet home lending 's current attorney and it is not correct. 
Thank you for your time,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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: Account information incorrect

Complaint:
XXXX XXXX IS SHOWING THAT I AM LATE ON BOTH OF MY STUDENT LOANS WITH THEM AND THIS IS NOT CORRECT. 

Last reported XX/XX/2019 {$2900.00} Reported balance Highest balance {$2800.00} AND Last reported XX/XX/2019 {$1700.00} Reported balance Highest balance {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed some inaccuracy on my credit report and disputed the account with the ( creditor ) XXXX XXXX XXXX XXXXXXXX, Also with the Debt collection agency Credit Control Corporation. I also informed them that the information was invalid. They also took my information without permission and made their own decision to report that debt on my credit which I do not owe. They have yet to comply to my requests to remove this inaccurate/invalid information from my report. I am seeking out to you to resolve this issue and follow through with my request. 

According to 15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Credit Control Corporation is a third-party debt collector attempting to collect an alleged debt. 

According to 15 U.S. Code 1692e. False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Threats to put this on my credit report as well as trying to get me to forcefully pay an amount that I do not owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a Chase Amazon card. I can not talk to them without revealing my age and being subjected to abusive advertising practices. So I have disputed charges and wanted to call and talk to them, but they won't put me through unless I reveal my age. That is age XXXX. The credit card company already knows my age, but they are trying to force me to reveal it to Amazon, so I can be bombarded with unwanted solicitations and abusive advertising. 

This is age XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: SN SERVICING CORPORATION
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX, ( XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX XXXX bought our Heloc debt from XXXX as part of the XXXX agreement, and were obliged to make efforts for a fair modification of the debt, in XX/XX/XXXX. XXXX XXXX was mandated under this XXXX agreement to modify homeowner debt, as part of forgiveness of their penalty owed to U.S. taxpayers for their crimes during the housing crisis. 

Instead, in our case, they committed modification fraud, they tried to hold us accountable for an completely false amount, they filed foreclosure ( lis penance ) in the midst of " modifying '', and they would not do a proper appraisal. 

They were just going through the motions of " modifying '', and then quickly sold the the debt to another bank XXXX XXXX, and a new service XXXX XXXX in XX/XX/XXXX. 

But now, XXXX has filed foreclosure, and judgement for sale on our home, based on false debt and in violation of the the XXXX agreement, and they do not even have standing to foreclose or sell, as they advised us that they sold the loan, and servicing in XX/XX/XXXX, yet  they files a motion to sell our home in XX/XX/XXXX. 

It is pure harassment, fraudulent modification, false reporting to credit bureau, and more legal bills.

Company response to consumer: Closed with explanation