BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-12
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-09-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
my account is not being reported 100 % accurate under the 15 USC 1681e ( b ). The furnish name is US BANKRUPTCY COURT I have recently spoken with bankruptcy courts and they stated they never deal with credit bureaus under no circumstances so I don't understand where they obtained the information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$740.00} ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; CPS XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-09-07
Company: EQUIFAX, 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:
This is my countless endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX XXXX, XXXX XXXX Balance : {$0.00} 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 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 2020-03-28
Company: ENCORE CAPITAL GROUP 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:
Midland Funding, are very unknowledgeable and weren't even able to explain why they are on my Report and said they couldn't remove it. They are on there 3 different times, remove Immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-28
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:
I found three late payments on all three credit reports. I have filed a dispute with all three, two have corrected the issue Experian has not corrected the error. The dispute was with XXXX XXXX, I have made my payments on time every month. Back in 2018 I had XXXX XXXX   and could not work for three months. I contacted XXXX XXXX to ask for a deferment, they agreed to that. The following year My XXXX XXXX passed away, I asked for one more deferment due to funeral expenses in XXXX and XXXX where my XXXX was XXXX and many family members live, XXXX XXXX agreed to the deferment, for some reason the deferment came up as late which XXXX XXXX corrected. When I called Experian they said to file a dispute. I have already submitted the complaint, I can't do that again. XXXX XXXX said they notified Experian that the late payments are deferred payments not late. To this day Experian neglected to correct their error and this has caused me extra interest. 
Please have Experian correct their mistake. 
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 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America has charged off the mortgage, but is not accepting payments. I would like to keep my home and apply for a modification.

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 2017-05-23
Company: EQUIFAX, INC.
State: AZ
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  sold a secured credit card account in  XXXX  to  XXXX   XXXX , this account was opened in  XXXX   XXXX . I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting agency,  Especially  Equifax and  XXXX ,  XXXX  recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All  XXXX  credit bureaus are not allowing me to dispute this account online now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have sent Experian atleast 4 letters about deleting extra addresses on my credit report that does not belong. I have sent proper ID ( DL, SSN Card, Bank Statement ) and they still refuse to remove those other addresses because they claim they are connected to Collection/ChargeOffs on my report. 

How did you verify these accounts : XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX I would like to know who you talk to

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 2022-09-07
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX XXXX XXXX : {$190000.00}

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 2022-09-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Equifax requesting that they correct these erroneous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Equifax chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I called navient on several occasions about my student loan and asking how I can get help. I explained to them rhat I was not working and they still offered me a payment for XXXX a month. I explained that I could not afford that amount and what happened to my forbarence that I applied for. The rep said she did n't shee one in the computer and I asked how was possible when your office contacted me and said I should receive paper work in the mail. She said she did not see that in the computer and I was currently pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX I went online and made a payment to my Paypal Extras Mastercard in the amount of {$490.00} using my checking account debit card as the payment source. I later learned while reviewing my checking account statement that the amount posted to my account for this transaction was {$600.00}. I researched the transaction and discovered that what Paypal did is modify my payment amount without my knowledge or consent. My Paypal account ( not really related to the Paypal Credit Card which is owned and managed by XXXX XXXX ) had a negative balance of {$110.00}. To bring this out of negative status Paypal added this balance to the payment amount I selected and charged the new amount instead of the amount I chose. I notified my bank and wrote a letter to the Attorney General Office of NYS who then forwarded my complaint to Paypal for a response. Paypal indicated in their response that the Paypal User Agreement granted them prior authorization to make this change and so they were acting within their rights. After reviewing the User Agreement and response from Paypal this is absolutely not the case. Paypal acting solely upon their own discretion posted a charge to my bank account that was greater than the amount I permitted. I 'm hoping the Bureau of Consumer Financial Protection can help me bring justice and stop Paypal 's illegal billing practice from happening to other users.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: ERC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. Only your company is reporting this inaccuracy Here again is the incorrect information being reported : ENHANCED RECOVERY CO L XXXX Balance : {XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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  sold a secured credit card account in  XX/XX/XXXX  to  XXXX   XXXX , this account was opened in   XX/XX/XXXX .  I disputed it several times as they can not verify this account as  XXXX  did not send the account information to  XXXX   XXXX  and they can not verify the debt, yet they continue putting it back on my credit reports after it has been removed by the reporting age ncy, Especially   XXXX  and  XXXX , Transunion recently removed it at my request, but from what i have seen it gets put back on my credit file months after it was removed by my dispute. All   XXXX   credit bureaus are not allowing me to dispute this account online now. Please help me.

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 2016-05-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I ask Well 's Fargo to stop putting me on the over draft " protection '' plan. Each year they take me off, they take me off, then the next year they put me back on it and charge me. It 's not protection and its false advertising.

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 2022-04-12
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: Old information reappears or never goes away

Complaint:
I am not a 3rd Party, this is NEW information pertaining to my credit report. Please review the attachments.

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 2015-09-01
Company: Flagstar Bank, N.A.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Flagstar Bank, I have had this loan with them for three years now and I have never been late on a payment. I use the system of payment that they recommend to their consumers online, and in XX/XX/XXXX their system had an error. I made my payment through their online system on XXXX/XXXX/2015 and the payment in their system showed me it went through. I had funds in my bank account there was no problem processing the payment on my end. But their system had an error and did n't process the payment correctly, or that is what I was told. Their system shows the payment as being returned on XX/XX/XXXX and that is when I got a phone call from them stating that I was now over XXXX days late for my mortgage payment. I asked how that could be, I had made the payment and I knew I had funds available for it. He told me of the error and took a immediate payment over the phone from me to correct it. He told me he could n't speak to me about the XXXX day late mark they put on my credit, that I would have to send in a fax and just wait for a response. I am very frustrated with this! We have an excellent credit history, and have never had a XXXX day late payment even on a credit card much less a mortgage!! Any help would be much appreciated, I feel like if I made my payment through their system and their system had an error, it should not reflect negatively on me for doing it their way.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: CO
Product: Credit card
Issue: Sale of account

Complaint:
I purchased a paint gun from XXXX, I paid {$250.00} and never received. I tried calling Paypal and the shipper but found not get an answer, I tried filing a claim with my credit card but they said to much time had past. We gave up and now reading this on XXXX I 'm hoping for justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: I.C. System, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX account at my address in XXXX NE and when I cancelled they sent me a shipping label to send my equipment back. I had to call 3 different times just to get them to send me the label and tell me where to send the stuff back to. I finally got the label and was told to use any box, so I packed up the cable modem and wireless router and using their shipping label sent everything back to them. About a month later I received a bill for {$160.00} for unreturned equipment. I called them and said there is a mistake because I have a tracking number showing it was delivered and who it was signed by. She said " well we received one of them but we never got the other '' I said well that 's odd because they were in the same box. She informed me that was the problem because they should have each gone to a different address so that was the confusion. I explained to her that I had called 3 different times just to try and get a shipping label at all and was never informed they needed to go to different locations. She said she would take care of charges on my account and that was the end of it. I never received another bill after that. Next thing I know a few months later I got a notification that I had been turned into collections with XXXX for that same {$160.00}. I called XXXX and explained the situation to them and they filed a dispute which gave XXXX 30 days to respond. On XX/XX/XXXX I got a letter from XXXX that they are not currently handling my account anymore and any information that may have been reported to the credit reporting agency would be deleted. So I thought it was resolved and finally finished. Naturally you can imagine my frustration when I just received a notice from a DIFFERENT collection agency dated XX/XX/XXXX through IC System Inc attempting to collect the SAME {$160.00}. 

Bottom line, XXXX is charging me for equipment that I DID return and they 've confirmed that I did return it and should 've cleared my account. They 've tried to go through one debt collection agency and when that did n't work they are now going through another one. I do n't owe this money as I returned all of their equipment as required ... and they 've confirmed that!

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