BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-17
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 status incorrect

Complaint:
Contacted XXXX during the onset of the Covid-19 pandemic given the uncertainty that appeared ahead to arrange payment arrangements in advance.

The rep I spoke with advised that information was still being made available from higher ups so they were not sure what to do at this time other than mark the account accordingly that my desire to be covered for any available program and there would likely not be a payment for that specific month.

Furthermore I was advised to enroll in XXXX XXXX  a paid insurance feature offered by XXXX. I enrolled in the program on XXXX XX/XX/2020 I was advised that I would not be eligible until XXXX XX/XX/2020 as there was a 30 day vesting period. 

Prior to the processing of this claim which not only posted during the 30 day period of XX/XX/2020 and is clear as day pictured during the time I was allegedly 30 days late for XX/XX/2020z In XX/XX/2020 XXXX advised that they made a payment. A payment was made in the amount of {$120.00} on XXXX XX/XX/2020 prior to this payment by XXXX the account online as well as the app was reflecting XXXX payments due. This was after the XXXX XX/XX/2020 due date Then as time stamped and attached since they keep changing the dates to fit their position at XXXX on XXXX XX/XX/2020 I received correspondence again stating and confirming account is 100 % current which I could clearly see. I called in to confirm status of covid assistance and the rep advise me to pay {$7.00} in XXXX which you can clearly see pictured as well and then on XXXX XXXX screenshot XX/XX/XXXX again during the 30 day period they confirmed the arrangement in writing also stating very first payment {$7.00} after {$7.00} or 3 % greater of the two Never missed a payment now or ever if not fixed I will be filing lawsuit for certain you have cost me thousands and I will be seeking damages for my time and suffering

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX TransUnion Please be aware that I 'm not a credit company, so do n't allow your computer to label me as that I 'm a human being that knows my rights. I wo n't except no response other than this situation being fixed. No excuses from you. 

I contacted all three bureaus today and I mentioned that I want all fraud alerts removed permanently. This has been causing a problem for sometime now. Please remove all fraud alerts within 24 hours I do n't feel comfortable sending personal documents through the mail and I hope that you respect my decision. I do n't know why a fraud alert is reporting on my credit report and i thinks it 's because of the breach. If my credit file was breached I will take immediate actions against al three bureau for damages in a civil court room in XXXX FL within the next month. I have unknown inquiries on my credit file I 'm convinced my credit file has been breached and for every error I will make it my job to have my lawyer take legal actions. If for any reason a fraud alert is placed on my credit without contacting me there will be major consequences. I 've contacted BBB and FTC to file my complaint. You have 48 hours to fix this XXXX. Any inquiries that you see since XXXX 2017 is n't mine sorry.

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 2020-07-10
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:
I sent disputes on XXXX, XXXX and XXXX under the Fair Credit Act including Section 91-506, Title VI, Section 611 and Section 609 via Certified Mail, Fax and thru the Experian Website. I disputed the entries on my credit reports from XXXX XXXX ( Partial Acct # XXXX Opened XX/XX/XXXX ) and ( XXXX XXXX XXXX Partial Acct # XXXX Opened XX/XX/XXXX ). I requested a full investigation and validation of this debt and requested under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), for  Experian to verify, through the physical verification of the original signed consumer contract for these disputed account. Experian did not follow the law and has not fully investigated these accounts and is in violation of the Fair Credit Reporting Act furthermore the XXXX account is reported 6 charge offs which is impossible by law, you cant charge the same account off more then one time. Experian continue to damage my reputation by not removing these two items from my Experian Credit Report and are subject to a federal lawsuit for these repeated violations. This is my final request for Experian to follow the laws and fully investigate and delete these two items from my credit report if there not validated by Experian reviewing actual account documentation including a sign contract and related identity verification 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 explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX and XXXX have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2022-10-06
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX 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 explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2020-06-01
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has more than {$4500.00} that PayPal is refusing to allow me to withdraw for 6 months. I have no outstanding refunds or other issues. Last week, PayPal requested more information on routine transactions that I immediately provided to the company. Today, it informed me my account would be closed with no further information and said it would not allow me to access my money for a period of 180 days. There is no legitimate reason for PayPal to hold my money. If they want to close my account, fine, but they need to give me money. There are no outstanding orders, refunds or any other type of transaction that necessitates PayPal holding onto my money in order to ensure there is money to cover any returns or refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
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: Account status incorrect

Complaint:
The following account has been reported as a collection and was reported incorrectly. Please have credit bureaus to remove this, thank you : Please remove promptly. Thank you for your prompt attention. 

This is what I received : -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX, " XXXX '' XXXX Sent : Tue, XX/XX/2018 at XXXX XXXX Subject : XXXX ( XXXX ) XXXX URGENT [ ref : XXXX : ref ] URGENT Per client request, please close XXXX dos XXXX and XXXX with collections. The client sent the wrong insurance and per the VA, the patient isn't responsible.

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 2018-08-23
Company: Experian Information Solutions Inc.
State: CA
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:
Step 1 : What is this complaint about? Step 2 : What type of problem are you having? Step 3 : What happened? Step 4 : What company is this complaint about? Step 5 : Who are the people involved? 



-- -> XXXX XXXX XXXX  - The Experian website through XXXX is ENtirely unclear. I was reviewing a web version but was unaware, that I would not be able to access it again, and that I'd need to print a hard copy to review it later. I closed the Experian web version of my XXXX XXXX XXXX, and am not able to get a copy easily, and/or go back to it. Experian ( or perhaps XXXX, it's NOT clear ). I believe that the website designers could/should address this issue - the site should prompt individuals that they are reviewing it electronically and will NOT be able to access it again, OR BETTER, offer the option to view electronically and/or print a copy. 

Super frustrating

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 2023-07-27
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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 OPORTUN/PROGRESO FINANCIAL # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor maXXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I  have contacted the bureaus to remove this however, I have not been successful.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
When I searched for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was acquired by an aggregator website, which advised me to check the website 's FAQ section before contacting approximately nine separate websites. I felt humiliated by the fact that I had to request that my belongings be taken, as I value my privacy. I discovered unauthorized fraudulent accounts on my credit report ; I would like these accounts to be removed and rectified. Remove all fraudulent and negative accounts from my credit report. This has impeded my capacity to obtain credit. I am making every effort to regain control of my life. Please help me eliminate all fraudulent accounts. Please inform me of any additional steps that can be taken to remove these accounts from my 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 non-monetary relief
Consumer complaint received 2018-07-19
Company: Reverse Mortgage Solutions, Inc.
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
In preparation to close on my property on XX/XX/18, I requested a payoff statement from Reverse Mortgage Solutions ( RMS ). It was emailed to me on XX/XX/18 indicating a payoff balance of {$120000.00} that would be good thru XX/XX/XXXX. 

Without notifying me, RMS sent payoff information to XXXX XXXX with an additional fee of {$540.00} added. I contacted Customer Service at RMS to ask why and was told I was in default. The rep couldn't tell me why, thought it might be an appraisal. When I told her there had been no appraisal, she next said I was in violation because I had not returned the occupancy verification letter. I told her I had, and she put me on hold, at which time the call was disconnected. 

I called back again and spoke with a different customer service rep with whom I had to start completely over. She told me that my letter had indeed been received, but that she still could not tell why I was in default. She said someone would be in touch with me by the end of the week. I asked if it could be taken care of sooner, as my closing was occurring Friday morning. She suggested transferring me to a supervisor, to which I agreed. Instead, I got someone's voice mail, on which I left a message at XXXX XXXX on XX/XX/XXXX requesting a return call. It is now XX/XX/18 and I've received no return call. 

I next sent an email ( also a fax ) on XX/XX/XXXX detailing my efforts to clarify this issue in which I requested a response. Again, it is now more than a week later and I've received no response. I have attached the text of this email. 

My closing officer at XXXX XXXX called RMS customer service on XX/XX/18 and learned that RMS had indeed received my correspondence, that my case is under review and appears to have some problem about insurance. 

Having heard nothing, I sent an email on XX/XX/XXXX requesting an update. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXXXXXX XXXX - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - XXXXXXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX/XXXX  XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXXXXXX XXXX XXXX - Acct # XXXXXXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-12
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Foremost I wasn't aware I was placed on the car insurance ( XXXX ) in the first place as all I did was cosign for a vehicle. I never received a phone call from the creditor nor the credit collection services. I also do not live at the address that was listed. I cosigned a vehicle but the insurance was placed under the cosigners name who also canceled the plan. I never received any communication from XXXX at all and was not told I was on this account. I was only made aware that it was sent to collections when I received a notice from XXXX. I was misled to believe that setting up a payment plan of {$79.00} would keep them from sending the account to collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation