BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: MS
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 XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
back on or about XXXX/or XXXX of XXXX XXXX took me to court in lue of {$800.00} in which we agreed that I would pay them off in six months, which I did and to find out that they did n't uphold their end of the agreement by turning my name over to a creditor name Equifax stating that there is a judgement against me which was satifided in XXXX of XXXX, but is still on my credit report.Which should 've been removed and furthermore XXXX XXXX is no longer in business, and was contacted on XXXX XXXX XXXX by BBB. company stated they are out of Business.BBB report on a company that is out of business for three years from the date the company closes its doors or ceases to do business.Why are you as the creditor ( Equifax ) continue to uphold a judgement against me on my credit when I satisfied my debt with XXXX XXXX and I need this judgement removed from my credit and send me something in writing that this matter is settled and removed off my credit, thank you inadvance yours truly XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I lost my wallet last year. Since that time I have had XXXX inquiries appear on my Experian credit report. I first called Experian in XXXX of 2016 when discovering the issue and they told me it was nothing that they could do and that I would have to contact each company that put an inquiry on my Credit Report. I did that and each company directed me back to Experian. So on XXXX XXXX, 2016, I called Experian to report it as fraud and the representative at Experian stated that they would put a fraud alert on my account and handle the inquiries. I pulled my report today to find out that they only did an investigation of the inquires and did not remove them. The inquiries are fraud and should immediately be removed 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 2017-02-23
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX is illegally reporting false information about me on my credit report. They are alleging that I owe a balance but when I attempted to contact them and resolve whatever claim they had, they refused to take any payment from me. I checked my report in XXXX 2017 and XXXX XXXX is still reporting that I owe a balance. I need to have this account removed from my record immediately as it is affecting my credit in an egregious manner. XXXX XXXX appears to have no interest in complying with the Fair Credit Reporting Act or the Fair Debt Collection Practices Act as I have previously contact them requesting proof of this debt numerous times and have not received any documentation or validation to date and they are refusing to accept payment from me but want to report delinquent information about me to the credit bureaus. They are also falsely claiming that I recently paid them {$110.00} which is also completely false and 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 explanation
Consumer complaint received 2017-04-28
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: Account status incorrect

Complaint:
The  XXXX  credit companies that are Experian,  XXXX  and  XXXX   XXXX  are showing that I have a late payment on  XXXX . The account was paid off  XXXX / XXXX /  XXXX   and I had a refund mailed to me on  XXXX / XXXX /  XXXX  .     I am trying to buy a home and with this reported late in the last 12 months it is impossible. I had disputed the mistake with the credit companies and it was never removed. All it showed was ACCOUNT IN DISPUTE -- CONSUMER DISAGREES.     What is there to disagree with? Did they even call to check? I am trying everything I can I just feel as if I have no options. I will continiue to work with my lender to get this fixed but the  XXXX  credit companies have been of no help and  XXXX   XXXX  will not provide a letter that there was never a late on the account, just this payment history that I am attaching below.

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 2016-07-13
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I submitted dispute letters to the credit bureaus and directly with XXXX on multiple occasions and XXXX continues to verify the inaccurate items. The XXXX listing with a credit limit of {$29000.00} ; according to my Experian report this item should no longer be on my file. The first date of continuous delinquency that they are reporting of XXXX XXXX is not accurate. The date of continuous delinquency should have been XXXX of XXXX not XXXX of XXXX. This loan was not deferred therefore according to my contract with XXXX payments would have been due 6 months from the date that I was no longer enrolled in school as such my first date of continuous delinquency should have started on XXXX of XXXX. This item is over 7 years old and should have been removed from my file in XXXX of XXXX. The calculations of these dates, account history and reportability is not accurate. In my dispute I included a print screen showing the inaccurate items that they are reporting. XXXX has deliberately damaged my credit and are negligently continuing to do so at the detriment to my family. I 've been turned down for credit and my good name has been tarnished. 

My previous report dated XXXX/XXXX/XXXX for account {$12000.00} clearly shows that it was 60 days past due as of XXXX of XXXX. 7 years from that date XXXX+7years= XXXX XXXX. This item should have been deleted from my report in XXXX of XXXX. XXXX has re-aged this item and continues to report an item that should have been deleted over a year ago.

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 2022-10-01
Company: EQUIFAX, 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:
I recently went to XXXX about the account that says XXXX XXXX and I told them it wasnt my account. The address on the account doesnt even match the address on my profile. Considering this is wrong and is hurting my score I would like this item to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I had Filed for chapter XXXX XX/XX/XXXX and was discharged XX/XX/XXXX. I had been disputing items on my credit report about things that was not correct and every time I dispute it something else is wrong. now this time it is saying that the accounts are charge offs after I filed for bankruptcy. I do n't think they should be reporting charge offs on accounts that were closed with a bankruptcy because they were sold off after I had filed. and if they were charged off and sold it should state that the date before I had filed. I t also says debt included in chapter XXXX on XX/XX/XXXX it was not included in XXXX it was included in XX/XX/XXXX with all my bills I handed over and it should also state by consumer 's request not XXXX request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I asked for verification of the debt within the 30 day window of first being contacted. The collection agency then mailed me what they considered the verification information. I then wrote them again, asking for more information about the alleged debt while I investigated myself. They reported the collection to the credit reporting agencies within one week later, without me even having the opportunity to rectify the debt with it damaging my credit.

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 2017-03-14
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
I purchased several electronic gift cards on eBay from PayPal Digital Gifts ( part of PayPal ). Despite keeping the codes secure, when I went to use the gift cards I found they had all been used without my authorization. The total dollar value of the gift cards was {$1300.00}, across XXXX cards. 

After a quick search, it turns out that PayPal Digital Gifts had a web site glitch around XX/XX/2016 that allowed private data ( gift card codes, email addresses ) to be viewed publicly with a simple Google search. This problem was quite widespread and has been well documented across many web forums.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-15
Company: Paypal Holdings, Inc
State: NY
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Managing, opening, or closing account

Complaint:
I purchased an item from an online retailer using what I thought was the PayPal option. By doing this I unknowingly opened a PayPal Credit account which I did not want or ask for. The account began accruing interest and finance charges and will likely affect my credit score. I believe that this is a deceptive practice on the part of PayPal as the PayPal Credit option is designed to look similar to the regular PayPal, promotes confusion and attempts to obtain new accounts through trickery. At no point during the transaction was there a verification or notification that I had in fact opened up a new account rather than using the PayPal account on file, so that I could correct the error or change my method of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was called consistently for several weeks regarding a debt I am not responsible for. The collection agency say the debt originated from an XXXX XXXX XXXX account. All XXXX XXXX XXXX accounts that I have had have been paid in full.

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 2016-08-28
Company: Paypal Holdings, Inc
State: MO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Pay pall closed my account after I confirmed my identity and refused to release my funds to me. The customer service was very rude and did n't give me any reason why they closed an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: Paypal Holdings, Inc
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
PayPal enrolled me in their PayPal Credit account with unclear and misleading information with a credit line, like it is a given because of my excellent history of using regular PayPal for online purchase. PayPal XXXX XXXX XXXX did a hard credit inquiry without my authorization ( nor did PayPal ever stated that they will ) so I did not find that out until I applied for mortgage refinancing and was informed the deduction of my credit score, hence the higher interest rate than I was initially informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Paypal Holdings, Inc
State: SC
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A group on XXXX created a group. I realized that it was a pyramid scam. I sent them money in hopes of getting more back. I did n't not receive any money in return and they will not send my money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX keep has been reporting a past due people for the past 3 years. When the 7 year reporting comes up they transfer it to a collection agency so it can remain for another 7 years. This is double reporting, and i do n't think its fair that if XXXX has been reporting the same thing for a view years on my credit report, and they transfer it to a collection agency to reporting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted this company when I saw it was on my credit report. The reason I called was because the amount showing owed is twice the amount that was originally owed and left unpaid. I asked to verification of the debt and was given the runaround. Also the debt is showing as recent as last year and this is not accurate either. The original delinquency date for this debt was in XXXX 2013. This company is reporting a date that makes it look like this was as recent as last year which is not correct. I was told someone would call me back with verification information but the only person that called was a collection agent to tell me how much I owed and how did I want to pay. I informed the agent that I was not going to pay anything until a verification of debt was done. He told me that all debts are verified before being handed over to them for collection so he could assure me that the debt was accurate and up to date. I thanked him for his time and ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XX/XX/XXXX, a check was mailed for {$55000.00} ( the full account balance ) from XXXX XXXX XXXX XXXX XXXX, IL. This check was cashed on XX/XX/XXXX, however was not credited to the account until XX/XX/XXXX. Due to the delay in processing the payment on Navient 's end, there was a {$260.00} late payment/additional interest on the account. This late payment should not have been added to the account as the check was received on time, but the delay was on Navient 's end while processing the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
i sent {$750.00} to a friend of mine on paypal.. Their Paypal Accoutn was subsequently 'frozen ' and asked them to verify their account by adding a BANK Account. They do not have a bank account, so they ca n't verify. They want to send me back my money but they ca n't now. I am now out {$750.00} of my hard earned money due to this issue. They will not respond to any questions or support. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: Ditech Financial LLC
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I refinanced my home, my old mortgage company, DiTech, marked my account status as.. Paid/Account delinquent 60 days past due date/Late 60 Days, on my credit report. I have never made a payment 60 days late. I called DiTech and they gave me a fax number to send my dispute to them. The lady also said she does not show that I was ever 60 days late. How do I get this off my credit report?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The bill was paid on XX/XX/2016 and I have sent copies of cancel check to them, but they are not doing anything about it. The check was sent to XXXX base on there statement. The only thing that they have done it sent me to collocation XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My direct loan in amt of XXXX was taken overy by XXXX..I lost my job and qualified for deferment. Navient took over my loan but never contacted me to tell me this..when my year deferment was up I contacted XXXX XXXX to see about XXXX deferment and was told navient had my loan. I called and left numerous messages with no call back and last year they took our entire income tax return of over XXXX with no letter or notice. I called dept of student loans and was told my balance was {$7500.00} and was in collection. This was balance after XXXX return was applied. So they are taking my tax return again this year. How can I pay a student loan if no effort was made to tell me who owns the loan? So now I have defaulted loan..and no job and my credit is ruined

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This is the second time that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, ( XXXX, XXXX or fax XXXX ) has enlisted Contintenal Credit Control ( CCC ) to pursue payment from me without ever providing a bill to indicating payment was needed in either case. My credit score is over XXXX ( in top XXXX % of Americans ) this does not happen without conscientious attention to XXXX bills. I am about to pursue a loan to fund my portion of an assessment on my condominium and if my credit is harmed due to XXXX malfeasance, I will seek potent remedies. Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America charged me a {$12.00} maintenance for when my balance dipped below the minimum requirement of {$1500.00} for just one night. The next day I had {$1000.00} put into the account to bring up the balance. In addition, my balance has always stayed above the {$1500.00} minimum for all the other days of the month. I find it very exploitative that I would be charged the full maintenance fee for having my balance fall below the minimum for just one day as for compared to somebody who was below the minimum for the entire duration of the cycle. One day versus the whole month should not equate to the same amount. I called customer service, spoke to a supervisor and they continued to insist that the {$12.00} fee is fair to be charged to my account.

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 monetary relief