BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and Equifax have incorrectly reported the balance of my XXXX XXXX XXXX as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my credit score from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My XXXX XXXX XXXX is listed as XXXX on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: NJ
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 am ready to sue Equifax. I have been back and forth with them since XX/XX/2021 about multiple things on my report that should not be there. One of the main being a bankruptcy reporting. I have sent tons of letters and proof from the court they do not give the bureaus this information and they keep " verifying '' it. Now I'm just completely floored at the lying they do and got a consultation at a workshop I went to from a lawyer who seems to think I have a case for damages. I have every single response from them claiming they " verified '' something and they didn't. I even asked multiple times for them to tell me how they verified something and they sent the same response. This is my last attempt this bankruptcy and these other negative things are reporting UNLAWFULLY and I've had it. This has kept me from buying a house and Equifax just thinks they can ruin people 's reputation. If it is not resolved NOW I will be retaining that attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Total Card, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
From the dates of XX/XX/2020 through the present date of XX/XX/2020, the credit companies of XXXX  and XXXX  have incorrectly reported the balance of my Total Visa Card as {$620.00}. The correct balance for this time period is {$0.00}. I have filed numerous disputes From XXXX through XXXX to correct this situation, but the results have not initiated a change in the incorrect balance. This has resulted in damage to my XXXX XXXX from XXXX of this year. Now there systems are refusing to allow me to further dispute this incorrect balance and I'm receiving no cooperation from there live agents. They are consistently giving me scripted answers that are only frustrating me and lowering my credit score. Because of this incorrect reporting, my application for a personal loan with XXXX XXXX was denied on XX/XX/2020. My Total Visa Card is listed as XXXX  on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
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:
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 {$1700.00} XXXX XXXX {$680.00} XXXX XXXX {$81.00} I tried to dispute these items off my Equifax and credit report because I not sign a consent or give permission to pull my credit report. It is also a HIPPA Violation to put any medical information on their credit report. No action was taken by Equifax or any of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: VA
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 being listed incorrectly! 

In accordance with the Fair Credit Reporting act 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 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 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 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 



Below are fraudulently unauthorized inquires on my report : Company Name : Company : XXXX XXXX Account Number : XXXX Company : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX bankruptcy discharged Case Number : XXXX Please remove the fraudulent inquires listed below : Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX DateXX/XX/XXXX Company : XXXX XXXX DateXXXX Company : XXXX XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Date:XX/XX/XXXX Account Name : XXXX XXXX Date : XX/XX/XXXX Please remove fraudulent addresses:XXXX XXXX XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX, XXXX, GA 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 2020-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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 received emails from the credit bureaus that I applied for a credit card at Capital One on XX/XX/2020 but I havent, thats a fraudulent application. I had two accounts with Capital One in the past and now Im a authorized user for a Walmart credit card with Capital One but this new application for credit, I have no idea. I called Capital One right away but they dont have any information about a new application. I also received an email from Walmart about an application for their credit card with Capital One that was submitted on XX/XX/2020 so Im guessing thats the fraudulent application the credit bureaus email me about. This has nothing to do with the Walmart credit card with Capital One that Im a authorized user, dont remove me from that account. Please cancel the fraudulent application, made on XX/XX/2020 and remove the hard inquiries from XXXX  and XXXX. Thank you for your help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-03
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/2019 PayPal - negative {$6500.00} XX/XX/2019 Transfer P PayPal - negative {$6500.00} XX/XX/2019 Transfer Loading transaction details for PayPal - negative {$6500.00} XX/XX/2019 Transfer There is an open dispute associated with this transaction. Visit the Resolution Center to view status. 
Paid with Balance Transaction ID XXXX Seller info PayPal Note {$6500.00} USD ; PayPal Posting Date : XX/XX/2019 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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: Information belongs to someone else

Complaint:
Hello i went to the bank to get a home loan and when my credit was pulled i noticed many fraudulent accounts. this is stoping me from obtaining a home and obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: AMERICAN EXPRESS COMPANY
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I, am a American Express BLUEBIRD account holder paid a bill using their BILL PAY system on XX/XX/20. As of XX/XX/20, the recipient of that payment has not receive it. Now, I understand the closure associated with the COVID-19 virus, BUT, they should still be processing payments. They don't have the MEANS TO DO SO. Thank XXXX, I was able to pay my credit card using my personal banking account otherwise it would be a LATE PAYMENT MARK ON MY CREDIT AND I DON'T HAVE ANY. The thing is, this is not the first time this has happened. It is the second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
i purchased a car from a dealership on XX/XX/2019 for {$33000.00}. Paid {$7000.00} cash and {$3200.00} for a trade in. I financed {$25000.00} at the dealership through XXXX  XXXX  XXXX. I have the finance paperwork and bill of sale. 
On XX/XX/2019 I received a title in the mail showing the car had 2 liens listed. I contacted the dealership right away and they stated this would be taken care of. After several weeks I continued to contact the dealership and DMV for updates. In XXXX I went to the dealership and was told they could not help me and the dealership was no longer in business and has different owners. I have since tried contacting DMV, Bank of America, and XXXX XXXX. Please see response from XXXX consumer complaints and the dealership stating this. I need the lien released from Bank of America and a clear title. 
I was able to find the name of the previous title owner who was also the owner of the dealership. I need this resolved and the lien released. The dealership can not sell a car and register the car until there is a lien release. Im not sure how this happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
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: Personal information incorrect

Complaint:
I notified Equifax that the address that they are reporting on my credit file does not belong to me. They opened a dispute and said it could take up to 30 days. Well i got an email on XX/XX/18 that the dispute was complete. However the address still show on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-05
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2020-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account was paid with the agreement they will delete this account. 
The account was paid off XX/XX/2021, it was posted on my bank account on XX/XX/2021 I did paid this account and its still showing up on my credit report. 
i need this to be removed from my credit report. 
Account XXXX / account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RC ( Original Creditor : 08 XXXX XXXX BANK USA N A ) is claiming that I owe them {$740.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.

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 2020-05-12
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
Back in XX/XX/2015 I signed a loan modification agreement with XXXX   XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to Seterus. Seterus did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and Seterus reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement.

I have provided this documentation to Seterus ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: CITIBANK, N.A.
State: NY
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:
I have a loan with THD/CBNA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting alll 3 bureaus and THD/CBNA with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 120 days late.

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 2020-07-27
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:
In late XXXX or early XXXX I was informed of fraudulent activity. I disputed the charges and the card was cancelled. I was informed this month I was not liable. Last week via credit report I found out i had a balance due of {$5200.00} and today I found they say I have a late payment. Ever since my card was cancelled I have never gotten a bill either by E-Mail or postal service. I have spent hours on the phone to overseas call centers and today with a Texas call center. The people I spoke with agreed they saw the charge and did not know how I was liable with a card with a limit of {$1900.00}. I was told to call the fraud XXXX to follow up where I left my name and number and was advised I would be contacted within two business days. This companies service department is designed to deflect, delay and ware down the resolve of its customers. Has well as report fraudulent balances they acknowledge they cant explain. This reflects on my credit score and they are little to no help resolving it. It was a credit report that brought this to my attention neither by E-mail, Post office letter or phone was I made aware of any late charge or balance due.

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 2021-05-26
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 SENT A REQUEST FOR METHOD OF VERIFICATION FOR THE ACCTS LISTED BELOW. IT HAS BEEN MORE THAN 30DAYS AND THEY HAVE NOT SENT ANY VERIFICATION TO VALIDATE ANY OF THE ALLEGED DEBTS. 

INTIAL REQUEST XX/XX/2021 1XXXX XXXX- XXXX 2XXXX 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 2020-07-03
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
- negative {$4800.00} XX/XX/2020 Transfer Loading transaction details for PayPal - negative {$4800.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$4800.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I filed dispute with XXXX  and Equifax that collection agency XXXX XXXX XXXX ( XXXX ) with account number XXXX {$3400.00} is not my account and failed to send me validation and they refuse to removed collection from my account that was not opened by me. However XXXX  deleted the item from my credit report back on XX/XX/XXXX. I will like to have negative item removed from my report and I also attach a document showing XXXX deleted the account.

Company response to consumer: Closed with explanation