BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
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: Problem with personal statement of dispute

Complaint:
In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXXXXXX XXXX, the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my federal student loan because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The Federal student loan system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into Equifax, XXXX, and XXXX they list a total of 4 to 5 Derogatory Federal Student loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted Equifax, XXXX, and XXXX in writing about this in fair and negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Comenity Capital Bank has refused to honor their Virgin America Visa Signature Card sign up bonus. Their credit card bonus terms state : " Earn XXXX bonus points after you make {$1000.00} in eligible purchases within your first 90 days as a cardholder. I have had the card since XX/XX/XXXX. I have spent over {$1000.00} within first 90 days, and the last qualifying purchase posted to my account on XX/XX/XXXX. It is going on seven months since the spend minimum was met. On XX/XX/XXXX, I secure messaged and previously called Comenity and their reps said they will not take responsibility for their own credit card promotion and to contact Virgin America. I contacted Virgin America in XX/XX/XXXX and they also take no responsibility and have not responded with a resolution after multiple calls and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Another Junk debt buyer Diversified Consultants who can't send a valid complete comprehensive chain of title from XXXX XXXX XXXX who they alleged gave them permission to pursue this debt. XXXX XXXX XXXX was being paid monthly for this bill and they tried to take money from my bank account three times in one month and the next month they put my account in collections. They violated the Fair Debt Collections Practices Act. This company has failed to show a signed contract. Moreover it doesn't show the terms of the contract so without those terms, any interest or fees would be unsupported evidence. And seeking interest or fees without a contract is a violation of the Fair Debt Collection Practices Act. Another debt collection company engaged in illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
There a couple of addresses on my credit report I am not associated with and I wanted to have them removed from the credit report. Each credit report has different ones that I am not associated with so I will list them by credit bureau Transunion XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX Ct, XXXX XXXX, CA, 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 2017-08-31
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:
Per new credit law on XXXX XXXX, 2017 ; all public records that are missing or have invalid information would be removed and mine has not yet. Chapter XXXX Bankruptcy is still reporting on XXXX inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I received a call from a telemarketer from XXXX XXXX by a lady named XXXX. XXXX. The lady had me record a statement that I did not want to provide my SSN. She assured me that a credit application would be based on my business income and not my personal information or credit. An inquiry would not be made without my consent. She asked me for my business Ein, address and income and date of birth. She somehow pulled my credit, said my application was denied and hung up. I have been unable to call her back. She straight lied to me. Now I have a hard inquiry denial for credit with XXXX and probably the other Two bureaus. Can XXXX XXXX telemarketers just lie to us with immunity and without recourse?

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 2022-08-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal is blocking my money from my access. Every time I try to add the bank account, PayPal denies linking my XXXX Savings account in order to use my money for themselves. This is what they intend to do and do not allow me to move my money out of PayPal. I had a direct deposit coming to PayPal and was prohibited to move my money to the Bank of my choice, which is XXXX now. The XXXX XXXX on the PayPal account is not allowed to accept the case for resolution. I tried many times to add XXXX Savings routing number and account number and PayPal just resisted to comply with my demand. I am doing the same thing on a XXXX Savings account trying to connect the PayPal account with routing number and account number and every time it states that it has failed making me look stupid or making a mistake which I did not do. 
Paypal is trying to make it look like they care about my money by denying the linking and transfers, but this is not true. There is a lot of fraud going on by removing the records of communications and not allowing the records for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX allowed an unknown party to change the name on my XXXX   Credit account. Then lowered by credit limit negatively impacting my credit score. I now have another name associated with my credit profile and social security number due their error.

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
Consumer complaint received 2022-08-16
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft and that the disputed inquiries being reported on my Personal Credit File were never authorized neither initiated by my nor anyone I allowed to. By the provisions of the FCRA, I am requesting that the Credit reporting agencies deleted the disputed inquiries completely from my Credit report and stop their erroneous reporting. I previously sent a letter addressed to the Credit Bureaus with the same message, requesting the removal of the unauthorized inquiries. I also previously requested proofof verification bearing my signature to support the Credit Bureaus claims that the dispute inquiries belong under my name. Once again, I need the following inquiries deleted as soon as possible : XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-31
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.

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 2022-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, the Credit Bureaus have kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the following accounts corrected as soon possible : XXXX XXXX XXXX Balance Owed : {$1.00}, 604Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, the Credit Bureaus have kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the following accounts corrected as soon possible : XXXX XXXX XXXX Balance Owed : {$1.00}, 604Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : 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 non-monetary relief
Consumer complaint received 2017-08-21
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: Problem with personal statement of dispute

Complaint:
I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting twice XXXX XXXX acc. XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: American Accounts & Advisers, Inc.
State: KY
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:
Spoke with Mr XXXX today at XXXX. Inquired about medical bill and date. Informed him he put incorrect information on my credit report. I never received a call or letter from him or his company in regards to bill. He was very condescending due to his balance being XXXX and mine being XXXX. The company had already been paid by my insurance. When informed that this was fraud he stated " as if I gon na risk my company for {$35.00} '' He just may depending on how many people he over charges. I have a copy of the bill and will attach

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I made a purchase on XXXX for a washer and dryer. I paid using the Cash App. Shortly after the transaction and before it had completed? I realized the items did not work and notified cash app. After three days they processed the transaction anyway. Fortunately I had also notified my bank who stopped payment but cash app claims I owe them {$360.00} for the transaction they paid anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
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: Information belongs to someone else

Complaint:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX  ( ORIG CREDITOR : XXXX   XXXX XXXX  XXXX XXXX ), XXXX XXXX   XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : 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 2018-05-10
Company: EQUIFAX, INC.
State: CA
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:
I have an inquiry by the name of XXXX. I dont ever recall applying for this account without any consent. 

This does not belong to me. I have no relationship or account with this creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: IL
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've requested Equifax to DELETE XXXX off my credit repot NUMEROUS times. 

Equifax failed to delete XXXX & Update my last name to XXXX as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On X/XX/17 or close to that date I applied for a co-branded credit card with Bank Of America and XXXX XXXX. I was denied, and the letter sent in the mail was not specific. It stated that I was denied maybe to a relationship I have with Bank of America. I have a HELOC loan that I have paid on through a bankruptcy ( my name may actually not be listed on the HELOC ) over 10 years ago, and I also have 2 credit cards acquired with Bank of America after the bankruptcy. The BK is well past the 10 year mark and I have excellent credit up in the XXXX range. The BK was related to my husbands business and we kept all of our personal debt including the HELOC loan which he actually used to pay his employees for several months during the financial problems. I felt compelled to repay this debt because it was associated with our home. I did not realize it would continue to cause issues after the 10 year mark. I am wondering what is the cause of my denial when I have excellent credit and have stayed current and continue to stay current our HELOC. This does not seem fair according the to the rules of fair credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector, PARAGON REVENUE GROUP XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe.

Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account.

I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense.

You can not add interest or fees except those allowed by the original contract or state law.

Any attempt to collect this debt without validating it violates the FDCPA.

Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX.

I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA.

Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Company response to consumer: Closed with explanation