BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: EQUIFAX, 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:
After 3 previous attempts, starting in XXXX, and continuing through XX/XX/2020, i have asked equifax, credit reporting agency, in  certified letters, stating my name and address, proof of identification to investigate eroneous, and unverified accounts listed on my credit report, be verified with proof of my signature on contracts. After 4 attempts equifax has failed to provide me any of the documents in question, with my signature on them, according to the fair credit reporting act section 609 ( a ) ( 1 ) ( A ) THAT THEY PROVIDE ME WITH ORIGINAL, DOCUMENTION WITH MY SIGNATURE ON IT, furthermore they have failed to provide the method of verification as required under section 611 ( a ) ( 7 ) and were advised by me that under section 611 ( 5 ) ( A ) of the fcra, that states that ( ALL ) information that can not be verified be promptly deleted from my credit file!! equifaxes continuing violations of the fair credit reporting act, has  caused me to send a final letter dated XX/XX/XXXX a certified notice of pending litigation seeking relief and monetary damages under fcra section 616 & 617, and received a letter from them on XX/XX/XXXX totally ignoring, and violating my rights, to have these items promptly deleted from my credit file, i am asking that you help me in these unprecedented times, receive satisfaction, of these wrongs by the equifax credit reporting agency. thank you in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Self Financial Inc.
State: WI
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 CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-04
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Credit Systems International to inform them that this debt was paid via my insurance company and I asked XXXX to provide me with the name of the Physician or Medical Facility that they were collecting on behalf of. XXXX stated that it was XXXX but she could n't give me the name. She also stated that it was their policy that she could not speak to me because I was speaking on my phone on a hands free ( through my car audio system ) device. I asked her to transfer me to someone who had more compassion about what I needed and she transferred me to a random voicemail. I called back and got XXXX again and she stated the call " Are you still calling on a speaker phone? '' She did not attempt to assist me nor did she provide me with the name of the company that she was collecting on behalf of. I had to hang up and call my insurance company and have them call her, but she continued to be rude and did not provide any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Kriya Capital, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
called and told XXXX XXXX i was moving back in XX/XX/2019 and turned my equipment in they told me i was not on contract and everything was okay and they will cancel my service i noticed a bill in XX/XX/XXXXfor {$500.00}. i called them and and paid. now I have bill collectors harassing me for service i never got.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 ( FCRA ) XXXX  Account # XXXX, Account # XXXX, Account # XXXX, has violated my consumer rights 15 USC 1681 Section 602 A. - States I the consumer have the right to Privacy. 

15 USC 1681 Section 604 A Section 2 - it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1681 ( a ) ( 4 ) - There is a need to insure that the Consumer Reporting Agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a respect for the consumer 's rights to Privacy

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 2022-02-23
Company: EQUIFAX, INC.
State: NV
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 Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX , Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX, XXXX Account # XXXX, DEPT OF EDUCATION/XXXX  Account # XXXX , Chapter XXXX bankruptcy discharged Account # XXXX, Chapter XXXX bankruptcy discharged Account # 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 non-monetary relief
Consumer complaint received 2022-02-24
Company: Oklahoma Student Loan Authority
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for a PLSF, Public Service Loan Forgiveness, ( XXXX No. XXXX ) and submitted the new application to OSLA and the U.S. Department of Education -- XXXX XXXX, buy FAX and by EMAIL 12 Times. BOTH ignored my application and never contacted me back or updated the information in the system. My Servicer, OSLA, ignored me entirely, maliciously and intentionally. They still have not processed it and it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: CMRE Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Debt is not mine and has been reported on my credit report by this unknown company as CMRE in the amount of {$430.00} with an account number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific record in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account listed : XXXX XXXX XXXX XXXX : {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Doonan, Graves & Longoria
State: MA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Doonan, Graves and Longoria LLC filed a lawsuit on a time-barred debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
The reason for the complaint is to try and cle The reason for the complaint is to try and gain clarity as to why Chase credit card services has continuous denied my request for a credit increase and interest rate reduction even though my credit score is currently above the XXXX 's. I have contacted Chase card services on more than one occasion and all I am told is due to my credit report however there is nothing negative on my credit report and I have recently purchased a home and have had my auto financed over five years and never a single late payment. I was informed by the representative that my request was being declined due to 17 late payments ; a shocker to me because I have chase setup on autopay for the due date and If they are having a difficult time with my payments why has no one ever contacted me. I asked a representative why has no one ever contacted me regarding the matter. The representative had no answer for that. I proceeded to tell the representative that I had paid Chase credit card services late on two occasions that I can recall and after that I enrolled in auto pay. so I am very confused where 17 times is comming from. My greatest desire would be to cancel the credit card without any damage occurring to my credit report. But I know that 's close to impossible and that is the only reason why I keep it. I feel obligated and frustrated with Chase credit card services and would not recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/XXXX I logged into Experian to remove my Credit freeze. So after doing that when I log in it says it was removed. But when you  look at my credit it is from XX/XX/2016. How do I get it to update to current. I have tried EVERY option on their phone tree. Can you help me with this and get my credit updated. I have already removed it off the other sites. 

XXXX 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 2015-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Was instructed to send in my personal info, income, Social Security numbers, eat. To the Capital One XXXX Office attention Imaging center. They have lost my documents. Told me they would have not told me to send in via mail, they did. All conversation are recorded as will show I followed instructions. My personal info is out there somewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
i have challenge this account for inaccurate information on my credit reports, multiple time it keeps coming back verified and the information in my report is still there

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: CITIBANK, N.A.
State: GA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I have a prepaid XXXX card from Citibank that was given to me as incentive from XXXX to open an account. It has an expiration date of XX/XX/XXXX -- 6 months after I opened the XXXX account. There is a balance of {$10.00} left on the card and Citi has told me that those funds are no longer available to me. This seems like theft to me. I earned those funds and should be able to access them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I utilized PayPal as a money transfer service to send/receive money with my fiance for rent, utilities, and other bills. In addition, my PayPal account was linked to my eBay account for purchasing/selling products. PayPal is currently holding {$1400.00} of my funds without just cause for " up to 180 days. '' I have contacted PayPal representatives on numerous occasions to request evidence of any violations of PayPal User Agreement, but have never received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-31
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Victim of the PayPal credit scam. Found the evidence on my credit report as an inquiry. I had no intent of applying for credit and due to certain obscuring tactics, PayPal initiated a credit inquiry without my consent or digital signature. My credit report shows I have no credit score because I stopped using credit 5 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint purchased by loan following XXXX bankruptcy. When the transfer occurred they added my mother back on the account ) XXXX XXXX XXXX ). She was never a signer on the loan. SHe also quit claim deeded her name to the property over 10 years ago when she filed for bankruptcy. Title of the property is in Trust and they appear to not like that. There is nothing they can do about it 15 years later. Technically, leaving my mother on the account would discharge the debt which would be adversarial towards Shellpoint, the new loan servicer.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft for the other bureaus have already done their part. 

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX  CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1300.00}

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 2016-02-13
Company: Paypal Holdings, Inc
State: FL
Product: Credit card
Issue: Credit determination

Complaint:
I found out Pay Pal Credit ; or XXXX/PPC as it shows up on my hard hit credit inquiry, has done an unauthorized hard hit credit check on my credit report. When I contacted them they stated it was done for an online credit account on XXXX XXXX, 2015. I never authorized this nor have I applied for any such credit. After searching out information on the internet I discovered XXXX reports by others for this exact same problem. Also my spouse and I discovered he had the same inquiry done on his credit report XXXX XXXX, 2015. He never applied for nor authorized such a line of credit either. Both of these hard hits showing through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving constant calls from a private number, when i finally answered they asked to speak to me. I did acknowledge and began to listen to the reason for their call and started to get scared. They used threating and harrasing statements. I tried to get information about the debt I supposedly owe from 2012. They continued to threaten me with legal action, and very aggresive over the phone. Represenative started listing all my past addresses and phone numbers saying i could easily be located and sent to jail. I disconnected the call and i called back and asked to speak to a supervisor and the guy who took my call raised his tone, threathing me if i didnt take care of this matter i would have legal action against me. All of this was going on while i was still trying to figure out what debt it was. I have been ignoring their phone calls and they started to call my family members scaring them that it is an emergency for me to call them immediatley or legal action will be filled against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Continental Credit Control
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not my debt, if it was I would have paid it.

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 non-monetary relief
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!

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 2020-01-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!

Company response to consumer: Closed with explanation