BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account on my credit report with the orignal creditor being XXXX XXXX XXXX but it's now FAIR COLLECTIONS & OUTSOURCES account number XXXX in the amount of {$4600.00}. This is not my account, I have never lived here. I do not know why my information is on here or how it got to me. My father name is XXXX XXXX also but this is not my account for sure!

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 2023-05-09
Company: EQUIFAX, INC.
State: IL
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 recently noticed the following medical collection account on my EQUIFAX, XXXX AND XXXX consumer credit report : XXXX XXXX XXXX XXXX for {$990.00} This account was previously listed, and disputed, under a different company called XXXX XXXX ( see attachment ). I previously disputed ownership of that account and no valid documentary evidence was provided. If the credit reporting agencies have received NEW documentary evidence that reflects a valid debt I now owe this company with transaction history amounting to {$990.00} made between me and XXXX XXXX XXXX, please provide me with such.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: EQUIFAX, INC.
State: DE
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:
Equifax continues to report fraudulent XXXX XXXX  account on my profile along with the fraudulent address associated with the XXXX XXXX XXXX XXXX, I have relentlessly provided them the needed information to correct it. 

Equifax is the only credit reporting agency reporting this identity theft fraud address as an previous address, I was never associated with this address, remove. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, ny XXXX. It is the address of the person/s who stole my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: RS Clark and Associates, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled my credit report. I saw I had a collection from R.S. Clark and Associates. I sent a debt validation letter in XXXX asking them to see the contract as this debt was not mine. I asked the company to remove this from my credit report. I have called them several times and they are still " working on it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA Violation XX/XX/2020 WHY is there another address added that I've never listed or live at? .pdf <<<<<<< WHY IS MY ADDRESS NOT CORRECTED TO MY CORRECT ADDRESS? FCRA VIOLATION. FTC VIOLATION PAST 45 DAYS. 
XXXX  XXXX XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020 XXXX? <<<<<<< XX/XX/2020 there was no address XXXX listed in my report. Why is it in my report now on XX/XX/2020? <<<<<<< XXXX XXXX FCRA violation. {$1500.00} per violation. Where is the data on experian. How was this verified? Not Late. Inaccuracies placed on my report.I will enclose in my attached documents, with wrong names, addresses on my report. <<<<<<<< XXXX XXXX XXXX XXXX XXXX, NEVER LATE, FCRA Violation, why is this not verified accurately experian? <<<<<<<<

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I sold and delivered the XXXX item to the buyer on XX/XX/XXXX, Paypal did not release my money ( said within 24 hr upon delivery ) until today ( XX/XX/XXXX. 
I had a number of transactions with the same person in the past 5 years. The item was delivered withing 3 days and Paypal did not release my fund as promised " withing 1 day, '' I checked the reason, Paypal claimed to hold it until XX/XX/XXXX. This is consistent abusive behavior of Paypal, the company already charged the fees and continued to hold customers ' fund to make a profit. I sent a number of messages but never got a responses and Paypal doesn't provide or answer calls. This is an illegal action and must be stopped! 

Paypal Transaction ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NC
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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX Date of inquiry : 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 2022-01-06
Company: Experian Information Solutions Inc.
State: LA
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 am filing a complaint with CFPB as I have been trying for several to request Experian to provide full validation of this late account XXXX XXXX Account number XXXX. Experian has violated my rights under FCRA, Fair credit and billing Act. I have requested by certified mail requesting full validation under FRA and requested documentations under fair credit and billing act. I need to know how they came up with the conclusion that I was late. Please comply with this request or delete immediately.

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 2023-07-12
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX reports an old account to the 3 major credit bureaus as delinquent. This is inaccurate and unfair reporting. Ive disputed this account several times and requested that they remove the account in accordance with fair reporting act codes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this account belongs to my ex husband XXXX XXXX. this item does not belong to me and this company refuses to cooperate, even though I have provided documentation via XXXX county court district to prove this account does not belong to me over the course of several disputes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: NRA Group, LLC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Receiving daily telephone call ( s ) from XXXX XXXX XXXX identifying themselves as from an attorney 's office and I am unable to decifer the name after asking 3 times. They ask me to confirm that my name is " prior married name ". I ask what they want and they repeat the question. I responded yes and they hang up. 

The next call from that number was asking me if I was a different name - my maiden name which I recently change to. When I asked for clarification, they hung up. 

I have received a total of 6 calls in approx 2 days. They never divulge what they want after attempting to verify my name ( s )

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 2020-11-30
Company: EQUIFAX, INC.
State: DC
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:
I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED WORD DOC ' MY NAME AND WRONG PREVIOUS ADDRESSES NOT FACTUAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: OH
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2019-03-21
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Business Gold Rewards card on XX/XX/2018 which offered a sign-up bonus of 50,000 MR Points after {$5000.00} in spend. Several weeks later, I confirmed with American Express that the offer was on my account and I had until XX/XX/XXXX to meet the spend requirement. I spent over the amount required. 

I contacted American Express on XX/XX/XXXX since I did not see the bonus in my account yet. They told me that the previous agent had mis-informed me, but I was not eligible for the welcome offer because my account history shows I have " opened and closed frequently. '' I have only ever closed one American Express credit card. 

They then claimed that I received a pop-up that I was not eligible for the bonus when I was applying. This is not true and I did not receive any notice that I would not be eligible for the welcome bonus. 

They are denying me a welcome bonus that they confirmed I would be receiving. I have read many reports and complaints from others about the same issue who also did not receive the pop-up that they claimed would be impossible to miss.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: AES/PHEAA
State: CA
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:
Good afternoon! 

I am an XXXX XXXX Service Member in the XXXX XXXX. I have paid my student loans for approximately 12 years and have never once missed a payment. I deal directly with XXXX XXXX for my student loans. I started making qualified loan payments towards the Public Service Loan Forgiveness Program in XXXX. For the next four years I submitted the annual employment certification form documenting my military service and continued to make payments under the standard re-payments plan. I sent emails to XXXX XXXX a couple times a year asking for a cumulative report of payments I made so that I could verify they were tracking what I was. Never once did I receive a reply. In XXXX, after graduate school, I received a letter stating I needed to be in a particular repayment program to qualify and everything up until that point would not qualify. Never once in four plus years did XXXX XXXX send me a letter, an email or a phone call to tell me this information even though they were processing my employment verification letters annually while ignoring my emails asking for verification. Further conversations with XXXX XXXX have yielded zero results and extremely poor customer service with them stating there is no way to appeal or rectify the fact that I was misled for four years about my repayment. Had XXXX XXXX   informed me in a timely manner then I could have years worth of qualifying payments towards PSLF and be close to applying for forgiveness. The plan set forth by congress fixed the issue for those whom already made the 120 payments but did nothing to help fix the underlying issues in which I, and many others, find ourselves today. Nothing has changed at XXXX XXXX. They are still as immoral and unethical as they were since the first day I did any business with them. I thank you tremendously for your time and attention in this matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This item was identity theft, FTC police report was filed, XXXX XXXX was removed then re-added to my credit report. This is my second time filing a police report and I have been blocked and ignored by both the bank JPMCB Card and XXXX. I would like this issue resolved as I have now started the litigation process with the Colorado Legal service team XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
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 name is XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-18
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Summary of Issue : Citi Credit Cards is taking double payments by not showing current payments scheduled for the credit card. This happened once earlier this year. The resolution was to call my bank and dispute a payment. Now it has happened again and I can not even get in contact with someone at Citi. I believe that their XXXX app is purposely designed to be deceiving after this has happened to me multiple times. I would like other consumers to know of this tactic by this company as they do not want to resolve this issue. 

This happened on XX/XX/2020 {$3500.00} Payment 1 {$3400.00} Payment 2 - had to cancel via my bank XX/XX/2020 {$2400.00} Payment 1 {$2300.00} Payment 2

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 2023-07-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2018-10-17
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 information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2020-07-13
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: Account status incorrect

Complaint:
I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/20 and it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2020, through a 3rd party monitoring service ( XXXX ), I was notified of a 41 point drop in my credit score within a week. I was shocked by the magnitude of the drop as there was no reason for the drop in my score. Please consider the following facts : No accounts opened/closed during this period No new hard enquiries No missed/late payments No derogatory remarks. 
The only change during this period was a {$25.00} payment made by my wife on her XXXX XXXX credit card. I am an add-on member for this account. The strangest thing is that there has been no impact on my wife 's credit score while mine went down by 41 points. 
I got copies of my credit report at all 3 credit agencies ( dated XX/XX/2020 ) and there are no adverse changes. 
After obtaining the free credit report, I called Transunion on XXXX XXXX to resolve the issue. They confirmed there are no adverse changes to my credit report but refused to share my score. Despite repeated requests they were unwilling to share the reason behind the massive 41 point drop in scores. They refused to share my score with me. The Transunion representative tried to coerce me to sign up for a paid credit monitoring service and said they would not share more information unless I did so. 
I want to file a complaint against this arbitrary, unfair behavior by Transunion. Based on the sequence of events, this seems to be an attempt to unfairly tarnish my reputation as a responsible borrower. Given the company 's response, I strongly suspect that I am being discriminated against by Transunion.

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 2017-09-17
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt owed to an apartment complex that when to a collection agency called XXXX. I called them on XX/XX/2015 and paid it in full {$2100.00}. Approximately a year later I noticed that it was still on my XXXX credit report so I contacted XXXX again and was told that they have had problems with XXXX doing such things and that they would inquire on that and was given a confirmation number as well. I have been monitoring it and it still has n't cleared up. Now, the Account has been turned over to a new collection agency, XXXX XXXX XXXX. I have been having trouble contacting them due to my schedule and extremely long hold times.

Company response to consumer: Closed with explanation