BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: AR
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:
Thank you for taking the time out to read my complaint. I was reported late on my credit report ONE time from XXXX XXXX XXXX. It reported XX/XX/2019. I called and explained that my identity was stolen that month and my bank closed my bank account so the automatic payment did not go thru. I advised them of the issue when it happened in XX/XX/2019 by phone call that it may even be late but I was willing to send in police report and even a letter from my bank to verify. After the investigation on my bank and my funds were back I called XXXX XXXX XXXX and made my payment and they still reported it. I have been pleading with them to remove it and no luck. I emailed the ceo, mailed and faxed numerous of letters and still no help. Ive despites multiple times and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, 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 XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery and XXXX funding ( XXXXT ) are reporting collection accounts on my credit even though they were PAID and the aforementioned companies confirmed that these accounts will be deleted in their entirety. Please see the attached mortgage credit report from today still showing the accounts when in reality I was promised that they would be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus reinvestigate the disputed account from my credit report as well as temporarily remove this account from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if this Account as this is inaccurate and outdated. There are many inaccuracies with the account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the XXXX XXXX XXXX XXXX of XXXX! I am requesting that the Credit Bureaus provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$810.00}

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 2019-08-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2022-09-01
Company: FEDChex Recovery, LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I dont owe this debt I paid for what I was initially charged this charge was subsequently added for miles I NEVER DROVE .. they text constantly and I want them to stop if they report it to my consumer reports I will dispute that as well They will be in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a comsumer report in accordance with the written instructions of the consumer. I the consumer never gave XXXX written consent to report anything on my consumer report. No consent is identity theft. I demand that you remove these inaccuracies off my consumer report immediately. If they are not removed I will not extend my credit to anyone or allow any CRA to furnish a report for me. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing CRAs these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If CRAs want to continue to do business with me, they should delete these inaccuracies off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have filed several disputes via mail to Equifax to remove two 30 day late payments from a closed XXXX XXXX XXXXccount. The 30 day lates are not accurate and I wasnt late in XXXX nor XXXX. I have even chatted with XXXX XXXX on XX/XX/07 and they sent an email, stating they will follow up about the issue. The company has failed to follow up or response to the multiple disputes and Equifax has failed to response to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This account was reported as delinquent when the account is setup on auto pay and no statement received shows that the account was past due or delinquent nor was a notice mailed or emailed the there was an issue with the auto pay or that any payment was returned,

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 2020-12-13
Company: Sequium Asset Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Please reference previous CFPB complain # XXXX SEQUIUM ASSET SOLUTIONS , LLC XXXX XXXX XXXX XXXX, GA has had more than adeqate time to investigate the grossly inaccurate information which they are consistantly reporting, irregardless to it's inaccuracy monthly to all three major credit repositories an as a result has caused me injury. On XX/XX/XXXX XXXX XXXX who works in the interest of SEQUIUM ASSET SOLUTIONS , LLC informed Consumer Financial Protection Bureau that she would be responding to my complaint in 10 business days. It is now XX/XX/XXXX and no follow up has been provided nor has my credit file been corrected by the removal of this inaccuracy. 

Furthermore, shortly after filing my initial complain to the Consumer Financial Protection Bureau, I contacted XXXX XXXX and spoke to a billing specialist who confirmed that a Cable Modem was returned in my name back to XXXX XXXX back in XXXX at one of their retail stores and was curious as to why a credit was not issued to my account. 

The representative told me that they would have to investigate the error and update my previous account accordingly. Please note, that before moving out of my former residence, I was not paying any equipment fees for several years and the XXXX XXXX billing representative confirmed that with me. She said that if I owned equipment, I would be charged a monthly rental fee. 

I also provided to CFPB by way of an attachment in a previous complain " XXXX '' my final PAID bill from XXXX XXXX which I received via email prior to moving out of my former residence. 

I DO NOT OWE XXXX XXXX any money. 

I have been dealing with this issue for several months now and no remedy have been provided nor any law enforced. As a consumer who is protected under the law of the State of Nevada and Federal law. I asked that the Consumer Financial Protection Bureau act under the full power of authority to assist in the timely removal of this inaccuracy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX 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 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 2018-11-25
Company: EQUIFAX, INC.
State: PA
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:
Ok so I am a victim of identity theft and I had went online numerous times tonight to try to access my free credit report but every time I put in my email and username it would display a error message stating they did not have anyone by that username and or email address and I tried resetting my email password that failed as well. So I called equifax ( or  so I thought I was speaking to a customer service representative at equifax but she kept telling me my information was not matching up and she kept asking me the same question about student loan balance well a red flag went off right there ; ok so she had told me to write a cover letter and explain that I am sending in all of this information just to confirm my identity. She gave me the phone numbers to XXXX & XXXX. I called XXXX and was being harassed about giving him my credit card information and paying a $ XXXX/a month fee for a $ XXXX/ gift card. Well he abruptly hung up on me and gave me XXXX before he hung up. I called XXXX to reach XXXX they both have my social security number ok and I am already a victim of identity theft. My ssi number is XXXX my dob is XX/XX/XXXX. My cell # is XXXX. I am requesting credit reports from all 3 of the credit bureaus because I am a. I tin of identity theft due to XXXX XXXX and my own family members have been committing cyber crimes by allowing hundreds of people have access to my camera my text messages. I have been XXXX XXXX. I have been XXXX XXXX and so much more

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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:
I have submitted numerous complaints about this account XXXX XXXX XXXX XXXX I first asked EXPERIAN to validate this account because I didn't recognize this account. Experian responded saying the furnisher responded by verifying the account. Yet, Experian didn't send me the results of the validation of this account. Once I realized that this account didn't belong to me I filed a FTC report and sent it to all 3 credit bureaus. On XX/XX/2022 Experian responded to my Identity theft report ( report number XXXX ) saying that they wasn't able to honor my request to remove and block this report from my consumer report because I didn't provide proof of my identity. On XX/XX/2022, I sent in documentation to prove my identity. On XX/XX/2022, Experian received this information and but has yet to block this information from my consumer report. Experian excuse is XXXX XXXX XXXX XXXX keeps verifying the account ( not validate ). XXXX XXXX XXXX XXXX can't possible verify an account that doesn't belong to me because this is a fraudulent account. My report currently says under dispute. I demand this account be blocked and removed from my consumer report I have provided the information Experian has asked me for.

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 2021-04-08
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : Collection of previously negotiated bill from Jefferson Capital SYST Dear Consumer Protection Bureau, XXXX XXXX XXXX XXXX XXXX, MNXXXX ( XXXX ) XXXX Statement shows up on an XXXX credit report as trying to collect a bill - Account number XXXX - about which I originally Contacted XXXX to remove from my reports, as that account was paid in full and this was years ago. 

I would like to suggest that XXXX and Jefferson Capital SYST eliminate the paid XXXX bill and I would appreciate having the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: PA
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed with capital one they issued a temporary credit until the investigation was over and now closed the case and charge me the XXXX back too my account said they completed the investigation with all state was wrong I show proof that my insurance was canceled before I made the payment Im requesting my money back from the bank I showed proof dmv making me surrender my plates for XXXX XXXX XXXX non insurance I want my XXXX dollars put back too my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter on XX/XX/XXXX requesting that the Credit Bureaus reinvestigate the disputed account from my credit report as well as temporarily remove this account from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if this Account as this is inaccurate and outdated. There are many inaccuracies with the account : XXXX XXXX XXXX XXXX Balance Owed : {$810.00}. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the Federal Deposit Insurance Act of XXXX! I am requesting that the Credit Bureaus provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately. 

XXXX XXXX XXXX XXXX Balance Owed : {$810.00}

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 2019-04-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I opened an account with Paypal, to be able to accept payments from XXXX. After I was verified, I linked my bank account, which was verified as well. A couple of the transactions went through to my account, but the last purchase that I was paid for, PayPal decided to hold funds hostage. In addition to that, one of the buyers wanted to return merchandise purchased on XXXX, and a full amount of that transaction was frozen by XXXX, which took my positive {$110.00} balance to a negative {$190.00}. Even so PayPal was spun off from XXXX, they still work together to steal money from customers on regular basis. Once the money is frozen, customer has no ability to make a refund, unless personal funds are added to the account to double the amount of merchandise sold. If XXXX refunds the client, then removes the freeze to get their money back, they keep the final value fees and PayPal keeps the transaction fees in full. 
In the last two days, I have tried to transfer funds from XXXX XXXX, to be able to make a refund on my own, to avoid the fees that both companies would attempt to steal, but PayPal claims that my bank rejected the transfer. I called XXXXXXXX XXXX three times, even as a conference call with PayPal, when they stated that they have no record of rejection or even any attempt of the transfer. This is exactly what happened to my husband, when PayPal was claiming that XXXX rejected his transfer, but XXXX had no record of any attempts from PayPal. Both companies commit fraud on a daily basis, stealing funds from customers to improve their margins. Just because no one has started a class action suit against them does not mean that they should be allowed to do anything they want, and transfer funds only when they see it fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX and XXXX XXXX Bank XXXX is violating my rights by reporting accounts that have reported as charged-off. I have not received a 1099-C from either one of these companies. 

According to 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 an 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 response to consumer: Closed with explanation