BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-29
Company: EQUIFAX, INC.
State: MI
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 investigation results proof that inquiries were remove from my credit report but Equifax has not delete them from my credit report. I have 2 equifax investigation results stating taht inquiries and accounts have been deleted from credit profile but the inquiries are still reporting on my credit report. Called Equifax multiple times nothing is being done and they're being very unprofessional over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
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:
It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away

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 2017-11-13
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have XXXX accounts and 4 hard inquiries that are fraudulent, unauthorized, lost, stolen, and not mine. The following accounts and hard inquiries are not mine : XXXX XXXX/XXXX/XXXX, {$3.00}, XXXX XXXX DC, XXXX/XXXX/XXXX, {$380.00}, XXXX XXXXXXXX XXXX, XXXX Consumer affairs, XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX, XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: MI
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:
On XX/XX/2020 I reached out to an Experian representative to have 'dispute remarks ' removed from my credit report for ALL accounts showing dispute remarks. This was for me to purchase a home ; I could not get an approval unless the dispute remarks were removed. The agent assured me that the remarks were removed and the update would occur within 24 hours. It has been 3 weeks and the remarks have yet to be removed. I come to find out that the agent opened up a new dispute case, report # XXXX. This is causing me extreme XXXX, considering that I can not close on the property unless the remarks are removed for XXXX XXXX or XXXX XXXX to approve financing. I have called every possible phone number for experian, only to be directed to an automated system that does not assist in my needs. It is now XX/XX/2020. I am expected to close on a home on XX/XX/XXXX. The lender has pulled my credit every week for the last 3 weeks, with no change. This is extremely frustrating!! I am submitting this complaint because Experian is incorrectly reporting information on 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 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The following accounts were never late on the date specified, I took care of each of my accounts and it is paid in full, no balance.. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without making me aware of it.. Dispute letters were sent to no resolution..CFPB help me out here and fix or delete the accounts XXXX XXXX XXXX XXXX XXXX ( duplicate entry ), XXXX XXXX XXXX XXXX, XXXX XXXX ,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have advised these individuals of the severe difficulties I have faced this year in burying my XXXX and my XXXX. I have spoken to this company on multiple occasions and offered resolution options that I have available to me. 

This company continues to deny my offers of resolution and continue threatening the negative impact to my credit as well as holding that in their negotiation tactics. 

If this organization is not willing to accept the resolution option that has been presented than it makes no sense that they continue contacting me via US mail or by telephone. 

I refuse to continually feel hopeless with regards to this account because the Dollar amount that I have offered, which is a fair offer, continues to be balked at by these collectors. I have XXXX XXXX XXXX XXXX and can only pay {$120.00} as full resolution to resolve and remove this negative situation from my life

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 my XXXX XXXX account had a report of a collectors report, that severely dropped my credit score. It states that on XX/XX/2020 my XXXX account ( that Ive had for 5 years ) reported new to Southwest creditors  to collect {$45.00} from me. Ive never received any documents neither from XXXX, nor from Southwest Creditors  regarding this debt, and my account is on autopay with XXXX and is in good standing, working without a problem. 
I went to XXXX office, who looked at the history of my account with them and reassured me I owe them nothing, my account works fine and I dont have any outstanding past or current bills and that my account has and had no problems. 
So I call this southwest creditors to find out more about the debt they claim I have. They use my wrong last name, say that I used to have an account with XX/XX/XXXXXX/XX/XXXXfor which I owe money, but tell me about my current XX/XX/XXXX account that I was told by XXXX has and had no problems. Southwest debt collectors fail to justify any information about the debt they say I have! They also never ever contacted me prior to dropping my credit score severely. This whole situation makes no sense and I feel like Southwest creditors commit fraud by accusing me to owe money to XX/XX/XXXX that I have to pay to them, yet XXXX has no knowledge of such bills that I failed to pay. Please help me in this highly unpleasant situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
Original case from 2019 is XXXX I am not making any progress with this bank and its still on my credit report. 

This is a nightmare, and this bank is putting the burdon on me for a mustake they made. 

In a nutshell, Paypal / Synchrony Financial pulled an inquiry on my report though I did not authorize it nor request any lines of credit with them. This was on XX/XX/2019. It was apparanetly fraud and they were supposed to congact the credit reporting agency to get it removed. 

After mulitple calls, they said thry would remove and here we are 7 months later and I am still waiting and noone is replying to me anymore. 

Please help me XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: Professional Finance Company, Inc.
State: CO
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:
I had a medical bill recently go to collections. I agreed to pay the debt on my next pay day and I just found out that they are flagging my credit report weekly and harassing me which is illegal. The company is called Professional Finance in XXXX, CO and I have a screen shot from my credit report showing the weekly flagging.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-29
Company: Consumer Collection Management. Inc
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report and seen some inaccurate information for a XXXX dollar medical bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion Date : XX/XX/2018 File # XXXX Transunion has showing on my credit report error of amounts showing as wrong amount owed as well as amount paid monthly. there is n o balance owed on this account and XXXX XXXX did not report the monthly amount correctly. No {$7500.00}, {$9000.00}, $ {$9400.00}, {$10000.00}, {$10000.00}, {$11000.00} {$11000.00}, Etc was ever owed nor was this the correct amount. There is no money owed this is not correct on original amount nor is the monthly payment paid to XXXX XXXX XXXX correct. 
XXXX XXXX XXXX owe me money back and I have retain an attorney for over payment.

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 2021-10-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Opened a Citi account online due to the promotional bonus they are offering by keeping $ XXXX in the account for 60 days. I initiated a bank transfer online from my external bank 's personal checking account. I initiated another transfer to ensure I meet the $ XXXX requirement for the bonus. My account was then suspended for no reason. Called several times and was told I would get a call back in 24 hours. Have not gotten any calls back in 2 days. I called and after hours I was connected to an agent that told me my account is referred for closure and I can not access my funds until they close the account, which would take 60 days. They are keeping my money XXXX and they do not have any right to do that. Feel so helpless.

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 2021-02-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was charged {$29.00} for an adult phone app thru XXXX and paypal. I don't remember and want it refunded. I am unable to login to cancel. Refund me. I would like to open a dispute against this vendor. Its a fraudalent transaction. It is some scam app on XXXX. The company who took the money wont aknowledge the service or give any details. When I try to login with the email address they claim i used to sign up for the subscription, it simply says i have no account. They say to paypal and XXXX its a 3 month subscription that was cancelled. Even if i had cancelled or them I should still get at minimum a prorate refund since it was only days into the 3 month plan I was charged for. Like judge XXXX would say if it ends up on there : Its like being charged for a steak you didnt order, if you are not allowed to eat it once its paid for, then this is fraud if you dont refund the merchant. I can not be charged for an entire steak if I didnt order it and didnt eat it. I should get my money back here. Please open a dispute and include this text. It is some company called XXXX? I am not sure if I have the right company, but the charges appeared as charged by XXXX using my paypal account. Niether company would assist in refunding to date. Please assist. 

Paypal gave the following case info, but refuse to provide any documention and ignored my appeal request. I would like to appeal this with paypal. Below is the only correspondence received to date from paypal : " Hello XXXX XXXX, We received the case ( s ) you filed on XX/XX/2021. 

We have reviewed this transaction ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . 

Attn : Unauthorized Account Access Appeal XXXX. XXXX XXXX XXXX, XXXX XXXX We're sorry for any problems you may have experienced with the transaction ( s ). 

Transaction information : Dispute Case ID : XXXX Transaction Amount : {$29.00} USD Dispute Amount : {$29.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2021 Thanks, PayPal ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14
Company: AMERICAN EXPRESS COMPANY
State: IA
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 referred several friends the XXXX cobrand credit card in XX/XX/XXXX, and as the terms described, I was supposed to obtain XXXX bonus points, but only XXXX XXXX points arrived. Following their terms, I waited for 12 weeks, and contacted XXXX at XX/XX/XXXX, and XX/XX/XXXX, and gave them the names to whom I referred the credit card. They said they opened a case but never gave me any resolution. I thought it was abnormally long waiting time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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, XXXX XXXX, have submitted all necessary documentation five times to TransUnion LLC and they continue to report such accounts. TransUnion LLC has willfully and knowingly continued to report false information on my consumer credit report and are liable pursuant to 15 USC 1681n and 15 USC 1681o. TransUnion LLC is in violation of 15 USC 1681c-2 ( a ) by deliberately failing to block the information from my consumer credit report. TransUnion LLC is in violation of 15 USC 1681b ( 2 ). TransUnion LLC is in violation of 15 USC 1681b ( b ) ( 1 ) ( A ).

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 2021-10-18
Company: Experian Information Solutions Inc.
State: MO
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 identity has been compromised in which lead to someone opening up fraudulent accounts in my name therefore Im demanding that the following accounts be blocked and removed from my credit files. 

a. XXXX XXXX XXXX {$68.00} b. XXXX XXXX {$1700.00} c. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: Experian Information Solutions Inc.
State: GA
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:
Explain to me why I keep fighting this same fraudulent account that has been proven to be fraudulent that EXPERIAN has repeatedly deleted yet it keeps finding its way back onto my report and dropping my SCORE!!!!!!! why is this even an issue at this point ... I think this is definitely cause for a law suit!!! XXXX XXXX SHOULD BE REMOVED FOR GOOD, I WANT MY SCORE BACK TO WHERE IT SHOULD BE AND EXPLAIN TO ME WHY EXPERIAN IS even INVESTIGATING THE SAME XXXX ACCOUNT!! 

XXXX XXXX ACCT # XXXX needs to be removed immediately without investigation ... 

I am attaching all supporting documentation ....

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 2020-04-29
Company: ERC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am attempting to purchase a house and my credit report was ran by credit company. When report was ran I had a collection account that was paid in full and still showing on my credit report and has not been removed. The amount is {$600.00} from XXXX XXXX. I have contacted them and they are showing me that there is a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Around XXXX or XXXX of 2021 I disputed a chapterXXXX bankruptcy reporting on my Experian credit report the dispute came back as validated from a third party source I tried explaining to experian that the chapter XXXX bankruptcy was not mine Experian told me I needed to submit proof that the bankruptcy was not mine I contacted the court house attached to the bankruptcy to ask for proof I was told that they do not release information to the public I called experian back and they stated I could not submit another dispute because I had already submitted a dispute disputing the bankruptcy reporting on my credit I would like the bankruptcy that is reporting on my credit removed and or validated from the direct source not a third party source by experian inaccurately reporting this chapter XXXX bankruptcy inaccurately it is damaging my reputation and character

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 2021-03-25
Company: Square Inc
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 my cash app cash card was charged {$100.00} at a XXXX  store in XXXX, Ma. Oddly enough cash app failed to notify me of this charge and only this charge. I always receive and email within minutes of my card being used. Im not sure how XXXX  authorized this charge because my husband has the card in his possession in Montana. There is no way anyone in Ma could have my physical card yet it was used for an in store purchase. XXXX has said they can not assist me. Cash app states I need to wait to see if they can assist me and cant explain why I wasnt notified of the charge immediately as I always am for charges. None of this makes any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: HW Holding, Inc
State: IA
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:
HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH XXXX XXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
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: Information belongs to someone else

Complaint:
XXXX, XXXX, and XXXX showing inaccurate information sent police report and idtheft letter fcra violation

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