BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-06
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT XXXX HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2022-01-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
in XXXX of XXXX i bought a car from a mom and pop car dealership. by the time first payment was due the XXXX did no turn on and they reported THAT I MISSED A PAYMENT on XX/XX/XXXX which would be the ( 1st date of DELIQUENCY ) and I voluntarily repossession my car and they towed back to their yard. for all of XXXX and XXXX no one called me to collect money owed or nobody reached out. ( this company wont provide info that they tried to collect even after multiple attempts of asking them to prove and show any documents. then in XXXX XXXX XXXX put a duplicate account on my credit report so there was fraudulently XXXX wrong accounts on my credit until XXXX when XXXX XXXX sold the account to a collection agency THE XXXX XXXX they took me to court for {$11000.00} which was the wrong amount because they sold the car and i owed {$5000.00} and in court i proved that i didnt owe anything and the account wat settled in full and i have the paperwork. so, XXXX XXXX  is reporting negative false info on my account this account is satisfied in full proof is provided and it 7 years old and after 5 disputes they are still putting wrong info on my report and has failed to provide me with any proof or documents that i asked for which is my right under fair credit reporting. i want this removed!

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 2020-10-06
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I made a purchase from a merchant for {$120.00} using PayPal checkout to process my Visa card. The order was delivered on XX/XX/XXXX without issue, and everything seemed to be fine. I then started receiving calls from my bank that my checking account was overdrawn and when I was going to get it caught up, they explained that my account had been debited by PayPal for {$100.00} on XX/XX/XXXX and again XX/XX/XXXX. I found this to be extremely strange since the credit card I had used to pay for the item was debited without issue, and all my checking accounts connected to PayPal are used strictly for depositing only, while my credit cards are marked as my preferred way to pay. 

Then on XX/XX/XXXX I paid my XXXX bill of {$50.00} with my credit card and my checking account was again debited on XX/XX/XXXX for the same amount. I called PayPal on XX/XX/XXXX to complain and was met with an expletive laden string of verbal abuse after patiently waiting 35 minutes for assistance. Since I received no help, I decided to remove my bank accounts from the PayPal platform but it didn't seem to work because I was billed again today, XX/XX/XXXX, for the same transaction again. 

From just these four overdrafts ( $ XXXX/ea ) alone, PayPal is directly responsible for {$130.00} in damages to me. In addition, on XX/XX/XXXX I received an unsolicited payment from an XXXX buyer for an order which the buyer had originally cancelled but then later paid for after I had already sold to the next bidder, I refunded the payment but PayPal decided to steal {$23.00} for a " service fee '' and will not give it back even though they provided me no service. 

To sum it up, PayPal owes me {$150.00} and will not do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017 Equifax received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
The company still shows a string of delinquent payments. Still shows a balance of {$510.00} owed on the card. XXXX XXXX needs to show the account with no payment issues and no balance due. 

I still have not received the information regarding the previous action. 

This has been a 3-year ordeal and they have made multiple promises to address this, they simply don't. 

I expect the account to be either closed or open with a non-negative record. I still don't have the correct information with regard to the XXXX issue where their people were on the call with me while dealing with 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 2022-08-04
Company: Kriya Capital, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is Credence XXXX XXXX and their phone number is XXXX they called on my son 's cell phone then my husband 's then mine. They would not give me any information on the debt unless they were provided with my mailing address and last for digits of my social security number. I refused to give that information over the phone. As far as I know- I am up to date with all my bills. I did not receive by mail or phone any complaints that I am not up to date with any of the companies I deal with directly. I believe they are a scam because if I owed money and this was a legitimate company they would already have my mailing address. They call frequently and leave no voice mail messages. Please see if you can investigate them if there are any other complaints. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name is spelled wrong on listings .alias not XXXX XXXX or XXXX XXXX XXXX Many address listings not XXXX XXXX XXXX XXXX Delaware XXXX the other extra names and addresses would be fraud and or may give me a bad heading leading to lost of job and or getting a job i would like all deleted and or 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 2020-05-06
Company: Blackhawk Network Holdings Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Company claims to have a way to extend the time frame in which the card can be used, but the website does not offer a means to do so and there is no way to do so by calling their customer service number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XXXX XXXX, 2017 Experian received notice ( see attached certified mail/return receipt ) for document copies from their files regarding inaccurate items in my credit files ; pursuant to FCRA, 15 U.S.C. Subsection 168 1g. It has now been more than 90 days. Not all items have been removed pursuant to the law nor have I received any supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-07
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however they are refusing to remove the information stating that item come back validated even though the information incorrect

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 2022-06-12
Company: Experian Information Solutions Inc.
State: NY
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 XXXX  Account # XXXX xxxxxx XXXX, Account # XXXX xxxxxx XXXX Account # XXXX xxxxxx XXXX, Account # XXXX xxxxxx 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 explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: DE
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:
My name is spelled wrong on listings .alias not XXXX XXXX or XXXX XXXX XXXX Many address listings not XXXX XXXX XXXX XXXX Delaware XXXX the other extra names and addresses would be fraud and or may give me a bad heading leading to lost of job and or getting a job i would like all deleted and or removed from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly a collection/charge-off in the amount of {$1900.00} on the XXXX XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I was re-locating from Indiana to Florida. I had to break my lease a couple of months early. I spoke with the leasing agent of the apartment complex and made an arrangement to pay the remaining balance due on the apartment. I was not aware that the apartment complex went ahead and sent this account to collections until I obtained a copy of my credit report. The amount they are reporting is false and this account should never have gone to collections in the first place. XXXX has deleted this line item from my credit report. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Georgia Student Finance Authority
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:
In accordance with the Fair Credit Reporting Act Georgia Student Finance Authority has violated my rights. 

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

Company response to consumer: Untimely response
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: MO
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 XXXX  Acct # 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated My rights 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A Section : It also states a consumer reporting agency can not furnish a account without my written instructions. Also these accounts dont match all 3 credit bureaus have different information on each accounts, Different dates and amounts. I have sent several letters trying to get this taken off my credit with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I'm a week late on my due date, I been paying this debt off cause I closed the account a year ago. I see there is a late fee when I made a payment of {$40.00}, the late fee is {$39.00}! I call their number to get it waived. First lady says she can't. I ask to put a manger on the phone. I wait and then it's just a normal person like her. She lied to me and the next guy told me the same thing telling me that he can't help me out cause the account the is closed. I told them that they lie all the time at this company.They kept transferring me hoping I just would hang up. they been calling me every 30 mins for 6 days straight. but never leave a voice mail. Sometimes i'm sure they are calling from a blocked number as well. This company is a dumpster fire

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
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: Personal information incorrect

Complaint:
PLEASE CORRECT MY NAME AND ALL ALIAS NAMES AND PREVIOUS ADRESSES THEY ARE WRONG I NEVER USED THEM AND NEVER LIVED AT THOSE PLACES I EXPECT THE COMPNAY TO DO THEIR JOB THIS IS THE 3RD TIME TRYING TO FIX THIS ISSUE SEE LETTER ATTACHED

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 2020-01-07
Company: Experian Information Solutions Inc.
State: WV
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:
I am filing this complain over my current payment history and inaccurate utilization on all 3 credit reports. I paid off my XXXX XXXX credit card and my score was lowered by 18 points for not explained reason. I have excellent payment history and for some reason my score is still in the Middle when it should be must higher than it is showing!!

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 2022-06-12
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, 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 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 consent.

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 2021-03-24
Company: GOLDMAN SACHS BANK USA
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 have had my Apple Card for quite some time and was actually one of the founding members. Well, when COVID hit hard and I lost my job, I was actually 32 days late on a payment so I was hit with a late payment on my credit report which is a super negative thing to have on your report. I tried explaining to them that this was COVID-19 related and that I lost my job and had it pretty rough for an extended period of time AND the fact that I used their forbearance program for several months because my income was not sufficient enough to make the payments, but they do not seem to care about this and are unwilling to work with me in getting this late payment removed off my report as a one time courtesy. I had made initial contact right after noticing the late payment and a dispute was filed however it came back that the " information was accurate ''. I was never disputing this, so this was frustrating so upon talking again, this time to a supervisor, I had another claim filed and about one whole month later that was also rejected because the " information was accurate '' - It never actually goes anywhere. Since then I have mailed one goodwill letter that I never heard back from and today, sent another one via certified mail. So, I am reaching out in hopes that you guys can help me with this as I believe what is 'fair ' is that they remove the late payment just this once as I have assured them it will never ever happen again. I am embarrassed and a late payment is something I never ever wanted on my report. 

Thank you for listening and taking the time to help everyone. 
-XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NJ
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 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an 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 block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date 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 2022-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
EQUIFAX INFORMATION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX

RE: INVESTIGATION HARD INQUIRIES
15 USC 1681i
15 USC 1681b
15 USC e(b)

ON XX/XX/XXXXEQUIFAX STATES ITS AGENCY HAS COMPLETED ITS INVESTIGATION INTO EACH HARD INQUIRY. EQUIFAX ALSO STATES THEIR AGENCY HAS CONTACTED EACH CREDITOR LISTED IN MY DISPUTE 0N XX/XX/XXXX I APPRECIATE EQUIFAX INVESTIGATION INTO EACH HARD INQUIRY LISTED IN MY CONSUMER REPORT. I ALSO APPRECIATE EQUIFAX CONTACTING EACH CREDITOR TO VERIFY I GAVE MY WRITTEN CONSENT TO EACH CREDITOR TO OBTAIN A COPY OF MY CONSUMER REPORT. UNFORTUNATELY, EQUIFAX FAILED TO SEND ME ALL VERIFIABLE PROOF FROM EACH CREDITOR THEY CONTACTED, AND RECEIVED THEIR VERIFIABLE PROOF I GAVE MY CONSENT TO EACH OF THE CREDITORS TO PULL MY CONSUMER REPORT. EQUIFAX PLEASE SEND ME YOUR METHODS OF VERIFYING EACH HARD INQUIRY WITH EACH CREDITOR. EQUIFAX SEND VERIFIABLE PROOF EACH INQUIRY WAS INITIATED BY XXXX XXXX/Consumer. EQUIFAX PLEASE SEND ME EACH CREDITOR VERIFIABLE PROOF WITH MY WRITTEN CONSENT TO HAVE EACH CREDITOR OBTAIN MY CONSUMER REPORT AS SOON AS POSSIBLE.  NO LATER THAN 15 DAYS PER YOUR INVESTIGATION RESULTS. I AM ALSO REQUESTING EQUIFAX  DATA FORMS BETWEEN EACH CREDITOR WITH HARD INQUIRIES LISTED ON MY CONSUMER REPORT. PLEASE SEND ME EACH EQUIFAX AND CREDITORS ACDV-AUTOMATED CREDIT DISPUTE VERIFICATION  AUD/UDF- AUTOMATED UNIVERSAL DATA FORM.

Company response to consumer: Closed with explanation