BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
IC System is reporting a debt of {$380.00} from XXXX under my name to XXXX credit reporting agencies -- XXXX, XXXX, XXXX. Unaware of such an account, I requested that IC System send me specific information pertaining to this debt under Texas XXXX XXXX XXXX XXXX XXXX XXXX ( see attached letter XXXX. According to XXXX XXXX, when requested, a debt collection agency or credit bureau must provide the alleged debtor with specific validation information concerning their alleged debt within XXXX calendar days. 

The debt validation request was mailed via XXXX Certified Mail with Return Receipt on XX/XX/2016 and received by IC System on XX/XX/2016. IC System has been given more than XXXX calendar days to provide a timely response, but has failed to respond at all. 

Per XXXX XXXX XXXX d ) ( XXXX ), failure to respond to the request within XXXX calendar days, or failure to validate the debt, requires IC System to delete their tradeline from all credit reporting agencies. 

In addition, since receiving a request for validation, IC System has submitted a " XXXX '' remark to the credit reporting agencies ; an action that I did not request. I merely requested more information about an alleged debt, which is fundamentally different from disputing such debt. IC System took it upon themselves to report a dispute that I did not request. 

IC System is not only attempting to collect a debt that they can not or have not validated, but their collection practice is irresponsible. This feels like a bullying tactic to ( XXXX ) make a person feel guilty about requesting more information, and ( XXXX ) indirectly provide that person with the negative consequences of having a dispute remark on their credit reports, such as the potential ability to obtain future credit or loans.

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 2022-12-28
Company: Experian Information Solutions Inc.
State: MA
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:
Experian continues to ignore my multiple disputes and violation of FCRA and consumer laws. Experian has added more inaccurate and incorrect information for which I am also asking to be 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 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For months in XXXX and XXXX I submitted dispute to correct my payment history for XXXX - XXXX on all 3 credit bureaus. I was Never late on XXXX, XXXX or XX/XX/XXXX. This account has always been deferred/suspended. This is an error. XXXX is aware of the error and told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I did just that and for months no correction. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 30-90 days late. How can I be 30 or 90 days late on XX/XX/XXXX but on time in XX/XX/XXXX the month before anyway, this does not make sense? Same in XXXX nor the credit bureaus have not provided me any proof Ive asked for validating why they are reporting wrong information. If XXXX wont send you/credit bureaus any information then you must correct or delete it.

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 2018-12-01
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX {$350.00} and {$530.00} There are no contracts, no valid claims ... accounts were settled with original creditor ... XXXX XXXX XXXX XXXX XXXXI want these accounts removed immediately or litigation ... it is against the law to attempt to collect a debt twice Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law  and is a violation of my rights..

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 2017-05-30
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: Their investigation did not fix an error on your report

Complaint:
I wrote to Equifax about an incorrect inquiry that was displayed on my credit report and they did an " investigation ''. They said the company did verify that I made an inquiry so it was correct. When in reality this same company  XXXX  did their own investigation and deemed the inquiry incorrect and sent me a letter that they would delete the inquiry and send a request to do so to the credit bureaus. The other credit bureaus received and deleted the inquiry but Equifax will not do so. They are reporting false information, I never tried to obtain a loan or get a car at that time I do not even posses a license at this time nor then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a email from Citibank today, dated yesterday stating they closed my account for inactivity, and that the only way to reopen the account is by having my credit rechecked ; which is okay if I wanted a new card, but I do want a new card. It would be unwise for me to allow them to recheck my credit, because they failed to notify me in advance of the closure, and did not give me the opportunity to keep it open. Apparently, they did not want my business. My XXXX XXXX had not been used per their CS rep. ( XXXX ) and Manager ( XXXX ) in the last 25 months. I explained to them both, that I was not aware of that, and that they never notified me in advance to give me the opportunity to keep my account active, which was unfair. So, they both stated it was part of my contract, and in my contract that they could close my account. But, I know it would be proper procedure to notify the customer in advance about the potential of closure of my account, which did not occur ... furthermore, I am listed as a paperless/green customer in their records. No email received about closure without giving the opportunity to use the card is unfair. What fool with allow credit card customers to recheck their credit because of the credit card unethical business practices, I am not a fool. But, I wanted to alert you of their unethical business practices, because someone who might depend on their credit cards is being treated unfairly. I have a excellent credit rating, and thank God  have always had a good credit rating. So, this is just water under the bridge for me. Customers that keep their credit cards at XXXX balance every month should not be penalized, especially for unethical business reasons.

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 2016-11-19
Company: Paypal Holdings, Inc
State: CT
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Paypal Credit will not cooperate in regard to payment arrangements/settlement.. 
The payment plans offered prior did not include a settlement as I have stated before, me not accepting them is irrelevant at this point as their reps have lied saying they were not available when calling in or that there is or was a cease and desist on the account when there never was. Collection reps like to lie so they can go home and not take the call if it is before closing time of XXXX. Another rep breathed into the phone, then abruptly hung up right before close time, XXXX. Most if not all points made by Paypal rep are irrelevant/moot as you can see, this also pertains to my current mailing address which they do not need as they will not cooperate in accepting my final offer. There is absolutely no point in providing them my current address as they will not and have not cooperated up to this point. Lastly, the call they made to me attempting to discuss payment arrangements is also a moot point as again, they will not accept settlement with a payment of XXXX a month. If they wont accept it now then more than likely, they would not have accepted at time of call so the mere mention of the call is pointless. They have denied my fraud claim but offer a settlement of XXXX but wont accept XXXX a month, I think this shows their unwillingness to cooperate. It appears they have referred account to some collection agency yet again, I do not have the name of as of yet. Whichever one it is, they will be notified of the fraud on the account as well as my numerous attempts at resolution with no cooperation on end of Paypal. A prior collection agency referred the account back to Paypal, I imagine this XXXX will do the same with all information considered, once provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my credit report from XXXX  it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On my credit report from XXXX  it has a negative mark for an insufficient number of accounts that are currently paid as agreed/Number of accounts currently being paid as agreed XXXX accounts. I have 6 accounts that are all being paid as agreed and on time as of XX/XX/2021 It is also showing there is no recent activity on credit cards and/or bank issued open-ended accounts however I make monthly payments on all the accounts how is there no activity? This is dated as of XX/XX/2021 There is also 1 collection showing on my credit report from XXXX XXXX for {$520.00} but it is paid 100 %. I wasnt aware of this account before I paid it off so it gives me 2 negative marks one for collection and one for late payments. I want this to be removed from my report. This is dated as of XX/XX/2021.

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 2022-07-11
Company: BlockFi Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I requested a withdrawal to BLOCKFI, where I had interest accounts with them and I wanted to retire them. They confirmed that the transaction had been done, but the money never arrived, it was XXXX $ more or less. It was made on XXXX the XXXX, 2022. I've called them several times and only got excuses. I also got a wire ID number to trace it, but they are not giving me the answer to that neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: PA
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 submitted other requests to both XXXX XXXX and Equifax to have the three accounts from XXXX XXXX company removed from my credit report. These accounts are company accounts and are not personal. XXXX XXXX XXXX has responded that XX/XX/XXXX theyve updated and should be removed however XXXX XXXX and Equifax continue to keep them on my credit report stating that they were verified. That is in complete disregard for the verification that XXXX XXXX itself has given me and has given CFPB in the complaint filed against them that I have attached hereto.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: SC
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 unconfirmed accounts listed below continue to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
State: SC
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 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$0.00} 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 non-monetary relief
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: MI
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:
Experian credit reporting refuses to investigate my certified mail that reflected for Experian to verify my signature of documentation associated with the account { XXXX XXXX }, certified mail was delivered on XX/XX/2020 XX/XX/2020

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Recently, I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items TransUnion didn't make sure it was reporting 100 % correct and I dont recognize the inquiries in question. I politely explained to TransUnion that my personal information was on the Dark Web due to my personal information like my name, birthday, address, email, and social security number was breached in the XXXX XXXX XXXX. I disputed the inaccurate inquiries in question both over the telephone and through certified mail because I have no open accounts on my credit report from the inquiries but instead of an deletion I was sent a letter in the mail basically saying oh well, to contact the company to find out whether an account was opened in my name after inquiries in question was unverified with TransUnion. 
TransUnion has violated my rights under FCRA. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. If TransUnion is unable to provide me a copy of verifiable proof within 15 days after the investigation, they must remove the inaccurate inquiries listed below. Thanks for your help with this matter. 

Unknown, unverifiable, invalidated, inaccurate Inquiries XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: SC
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 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX

Company response to consumer: Closed with explanation