BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX have reached my limit on waiting on a response and I feel these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute I'm ready to filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. Its been over 60 days and I need these problems fix ASAP I will not wait another 50 days to receive no response because clearly, I am being ignored. I demand these accounts to be deleted immediately, or I will file for litigation due to the stress you cost me. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
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: Information belongs to someone else

Complaint:
There is one account that is appearing on my credit report for all three bureaus that does not belong to me. 

XXXX  - Acct # XXXX XXXX {$0.00} Opened  XX/XX/2019 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Pressler & Pressler, LLP
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter from the Pressler group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible XXXX  daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: EQUIFAX, INC.
State: FL
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 added a balance of {$2300.00} for a settled XXXX account to my report, then removed it after I called in to dispute the item, and readied the incorrect account and total back to my credit report. This has dropped my score from XXXX to XXXX. My other bureau scores are XXXX and XXXX for XXXX  and XXXX  respectively. This mistake is stopping me from pursuing an FHA loan as I have already told them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency please see attached documents and Identifying identification as it contains my full complaint and request.

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 2020-01-31
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: Information belongs to someone else

Complaint:
On XX/XX/19 i became aware that a loan was open at XXXX XXXX XXXX. I called XXXX XXXX  to resolve it due it it being fraud for the amount of XXXX i told them on XX/XX/19 that i did not have a valid contract with them and i have never purchased any type of vehicle with them. I told them that i would contact the police if they didn't remove this fraudulent account that was not done by me. I have never given them authorization to us my credit report to purchase any type of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Carvana Group, LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XX/XX/2019 Made online Purchase of Carvana, LLC no hassle free used automobile purchased with interest {$17000.00}. 

The advertisement said car was shipped from XXXX IN. It arrived at my home with Georgia Temp tags on them with Sales taxes as if Im a Georgia resident and I live in Missouri. I was informed by an agent and her supervisor at XXXX formerly XXXX whos an affiliate to Carvana, LLC my account does not exist! The SSN does not match Carvana have refuse to issue me that cancelled contract and original copy of online application. I issued by way of uploading my SSN front and back of my card, Missouri drivers license front and back, plus my financial income documents sent to Carvana, LLC for verification of automobile loan. 

Carvana, LLC was notified on XX/XX/2019, about the error on automobile sales contract and they refuse to cancel but instead REBUILD the contract AS IS! 

I have not been made aware of undisclosed information the vehicle was a XXXX XXXX XXXX, per XXXX manufacturer Recall Records. 

There are security transactions taken place with my personal signature rendered and protected by UCC 1-308 without prejudice. Ive issued my credit for purchase as of XX/XX/2019, to Carvana, LLC who was already PAID IN FULL after close of sale through XXXX  formerly XXXX. 

XXXX formerly XXXX have confirmed I do not have an account with their financial institution. Carvana, LLC Senior underwriter XXXX XXXX. insist I pay the payments as agreed. I have not made the first payment since purchase on XXXX, since NO CONTRACT or an ACCOUNT DO NOT EXIST, per XXXX Agent and Supervisor on XX/XX/2019. 

Carvana, LLC gave written statement they were going to rebuild the original contract dated on XX/XX/2019, with terms and agreement AS IS! 

Carvana, LLC Underwriter XXXX XXXX. refuse to disclose my original Consumer online application so I could verify my SSN since there was an error of another SSN I was not aware of that did not match my financial application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX ) ( XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) reference # ( XXXX ), 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 a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 contacted XXXX and Transunion during the week of XX/XX/XXXX thru XX/XX/XXXX. I called in reference to inquries that i had not appointed. I told the represenative that knowing what my current credit status there was no reason for me to be applying for credit. The only reason by law for my credit to be checked is : In response to a court order or federal grand jury subpoena ; To manage the risk of current or potential credit or insurance accounts that were initiated by you ; for employment purposes, with your written permission ; for the purposes of a potential investor assessing the risk of a current obligation ; in connection with your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law ; in connection with a business transaction initiated by you ; in connection with a child support determination, under certain circumstances ; in connection with a credit or insurance transaction not initiated by you, when a firm offer of credit or insurance is extended, and certain other restrictions are met. 

None of these inquiries fall into those categories. I am asking for immediate removal of these inquiries from my credit report.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: NV
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 contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-04-03
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter from the XXXX group again on Friday. Notifying me of a court date to review my financial situation. This is after already doing this on a legal form for them a few months ago. And after them placing a judgment on me a few years ago. I only get XXXX a month from ssdi. I am not married so I use that money for my needs plus paying a rent to live in this house. About XXXX. I have nothing that I own everything is in his name and belongs to him. I have XXXX altogether in clothes jewelry and face supplies. I can't afford to have my ssdi garnished especially when that is all I have. I have horrible migraines daily and the constant stress is too much. I can settle for XXXX dollars in writing and on record. So this doesn't continue. That is all I can offer to settle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal close my account for not reason and them will not help me with Getting it back up and going. They locked me just because I put my money into my account. I am assume that i respect all agreement of this company. 
But PayPal just made all difficult for me. They ask me for my personal information and i sent to PayPal but they never respond and took my calls. I never had any Dispute or charge back in my account and All my transaction was clear. 
PayPal should provide a good services but they are SCAMER NOW.

I think this Company stole my money violates its terms and conditions in the service agreement and acts to the detriment of users. i am File a report here. PayPal is violating the rights of people by closing Accounts to keep the money and so make the company grow with the Money that they stole. 

This is my email> XXXX PAYPAL SCAMER, PAYPAL SCAMER STOLE MONEY AND DO NOT RESPECT THE PEOPLE. CLOSE PAYPAL. 
HELP ME TO GET MY MONEY BACK.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am looking for removal of their reportings on all major credit bureaus, a copy of the contract between myself and IQ DATA INTERNATIONAL INC, and per my fee schedule on my XXXX  I requested {$25000.00} that I can legally sue them for at this point a per XXXX they have NOT furnished anything and administratively I am now holder in due course of this arrangement per their silence and admission of falsely defaming my name publicly, I am requesting {$10000.00} for use of my Social security number per my XXXX filing Number XXXX. They have been notified not to contact me via phone but by written correspondence only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 at approximately XXXX PST In an attempt to gather more information about a debt being reported on my credit report through XXXX  I contacted CCS Collection at their Call Center number XXXX, I spoke with representative XXXX XXXX, who informed me of an alleged third party debt from a company named XXXX XXXX. 

I instructed the representative, Ms. XXXX, that I do not have any open or outstanding debt with the said company nor do I have any relationship past, or present with XXXX XXXX. I further requested validation of the said debt. She gave me a file # XXXX. 

I informed her the information she has does not belong to me, and I have never lived at the address in question, and I wanted it deleted immediately. This erroneous reporting is having a negative impact on my character and financial position. She refused to validate the debt any further and told me they will continue to attempt to collect and report. 

I asked to speak with a supervisor and was transferred to Senior Supervisor XXXX XXXX. I requested a mailing address for CCS, as it wasn't listed on my credit report. She informed me that there is NO Social Security Number attached to the file and they only had my name and birthdate. However, the address and other information did not match my information. She instructed me to file and ID Theft, and complete a police report. I told her that if the information she has isn't me and you aren't able to match my information, I wasn't going to file any ID Theft for erroneous information that can not be validated. 

They refuse to offer any other help and told me they will continue collection efforts. Please help me clear this erroneous information and further cease all collection efforts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around XX/XX/XXXX, National Credit Systems was hired by XXXX XXXX XXXX in XXXX Arizona to collect a debt that I do not owe. Neither one of the firms ever contacted me about this false debt, so that I could dispute validity ( which I found out is a blatant violation of the Fair Debt Collections Act ). The way that I happened to find out about this debt was by getting an alert from XXXX XXXX. Upon this alert, I promptly disputed the debts with the Credit Bureaus ( I was victim of Identity Theft last year and therefore I have Fraud Alerts with the Credit Bureaus ). I have also contacted National Credit Systems by phone in XX/XX/XXXX. They could not verify my personal information in this phone call. I told them this debt needs to be removed, because this debt is not mine. I assumed this matter would be resolved. But to my dismay, I got the Credit Disputes back from the Bureaus, and National Credit said they confirmed the debt was mine? I made another phone call to National Credit today. They are still refusing to provide me with any proof of this debt or demand for payment. As a note, I did find out today that this alleged debt was may be my son 's debt who has a similar name to mine. However, this Collection Agent refused to acknowledge the facts as presented and provide me proof. Also, I have left several messages with the Creditor XXXX XXXX XXXX, but they have not returned my phone call. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: WELLS FARGO & COMPANY
State: CA
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:
Wells Fargo case number XXXX CFPB # XXXX Just I talked with case manager of  WF and she do not able to help. 
-Still insist due to the amount of time passed when the claim was failed they are unable to obtain the refund for the purchases- -they still do not accepted to continue with my XXXX monthly payments - they still remain closed my account. 
Why they invited me to make a settlement, if a never refuse to paid just I want to paid as usually 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 2017-08-02
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I saw a negative mark on my credit report from FOCUSED RECOVERY SOLUTIONS. XXXX  XXXX lists XXXX XXXX HOSPITAL as the original creditor. The amount owed according to the hospital is {$62.00} and no bill was ever sent to substantiate the debt. I called the hospital and they sent a statement which is attached. How can I remove the derogatory mark on my credit? It has lowered my score for a year. Please help me resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Good Evening, I had a credit card with XXXX XXXX. I received a notice dated XX/XX/2019, informing that my account will be closed as of XX/XX/2019, due to account inactivity. Previously my account was decreased based on running my credit report XXXX XXXX determined that I had too many revolving credit cards. Yes! I do have a few credit cards, but my payment history with them all is great. So I was decreased down to {$100.00}, and at XXXX XXXX, that's one bra. I decided not to use it, and save it for one of their big sales. I called today ( XX/XX/2019 ), and spoke with XXXX XXXX who informed that they will do that if you don't use your card. I asked the following questions : Q : When was the last time I used my card. 
A. A little over a 1 1 /2 ago. 
Q : Was I ever late with a payment? 
A : No XXXX XXXX you have a perfect payment history. 

I was informed that if I wanted the credit card back I would have to reapply. You hurt my credit by closing my account, and you want me to reapply ; which also hurt my credit. I can understand if I did something wrong ; I had such a BAD payment history, but guess what I didn't have that. 

PLEASE HELP ME!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Self Financial Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The problem is SELF advertises that they will report all payment activity to assistant consumers by raising their credit score by showing on-time payments, etc ... The problem is, I took out the loan and made at least 6-7 payments on time that have never been reported on any of my credit reports. I requested via their website to cancel the service, AND I spoke with a representative in their XXXX office. I was assured that the activity would be reported, and it still has not. I stopped making payments because I wasn't getting what I paid for nor what they advertised. I continue to get harassing emails about my loan being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Did not open this account, have contacted several times and they write back with an IP address stating that it is mine. I had my email compromised and information was on dark web.

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