BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: VA
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: GOLDMAN SACHS BANK USA
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: Account status incorrect

Complaint:
Goldman sachs is erroneously reporting my account as settled for less than the amount due. This is false as shown in my statements attached. This has damaged my credit. Furthermore, after closing my account a week ago they have refused to give me a reason for closing the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
had a PayPal business account that I had opened when I had a business. because they couldn't offer me the services my business needed, I didn't use them, I took a loan from a family member, and was using PayPal to pay them back. have been transferring money into the PayPal account and paying the same person out of the account since XXXX of this year this month have have transferred XXXX into the account and was going to make the loan payment to my aunt who lent me money like I have since XXXX, but I could because PayPal, put limitations on my account. I went in to resolve these issues, however instead of resolving these issues, they completely froze the account. trapping my XXXX into the account in case of disputes, charge backs Etc. when there never has been one. they are hold my money for up to 180 day ( 6 Months ) I tried to call customer service, where I sat on hold for over an hour and a half, and was disconnected, when I immediately called back they were closed. 

The only reason I can find as to why is because it violated community guidelines. I dont know how making money transactions on a platform for sending and recieving money is a violation of the guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Kimball, Tirey & St. John LLP
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:
I requested a debt validation from the credit companies for each account. ALL XXXX REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, 2022. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/22 I disputed the information through Experian, XXXX XXXX XXXX on an auto loan from XXXX as inaccurate. The disputed account stayed and remained. On XX/XX/22 I disputed the account Again including the information regarding a litigation suit involving the finance company and the file was updated with inaccurate information.

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 2022-10-24
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
LVNV FUNDING is attempting to collect an assumed debt on behalf of XXXX XXXX for the amount of {$51.00}. I have made several attempts to communicate both the collection company and creditor. This debt does not belong to me and I have never had cable services with XXXX. I have requested proof of a contract stating that I have business with them. This is negatively affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions 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:
Good evening. Since XX/XX/2022 i have exercised my right to request an investigation of the XXXX  XXXX  account that appears on my credit profiles at Experian XXXX and XXXX SEVERAl times. i have disputed this account by paper mail in writing and by certified mail with a signature on the receipt. I have my tracking numbers for each dispute each time it was received by the credit bureaus. each time the bureaus have updated the account or verified it as accurate and i am in disbelief to see yet still so many inaccuracies with this account when each of the bureaus has said the information has been certified as accurate by XXXX  XXXX, XXXX in very much disagreement with these outcomes because the information on this XXXX XXXX account does not match across all three bureaus. How is that possible when XXXX XXXX  has CERtified to each bureau that the information they are reporting on my profiles is complete and XXXX percent accurate? it seems to me this account is truly unverifiable. FCRA guidleines show that if an account is unverifiable incomplete or not XXXX percent accurate it must be removed from my profile. also the account in mention has not entered the required notice of dispute with in 30 days of these disputes which is a payable violation. i have attached screenshots of this account as it appears on my credit files and you will see the inaccuracies that exist on this ALLEGED verfied and accurate account, such as the high credit does not match across all three, payment history does not match and a pleathora of other inaccuracies and incomplete inofrmaion. thank you

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 2022-08-02
Company: Grain Technology, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Grain closed the account because i no longer qualified for the service so im unable to pay off my balance owed or anything. I emailed them several times telling them that I cant get into the app to pay off my balance owed or provide me with the information as to where i need to send my payments. I keep getting the same generic email saying to reset my password. Ive tried that numerous times and nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXXXXXX XXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and updated them without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance : {$2300.00} ; USDOE/XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX XXXXXXXX is reporting inaccurate information about balances that I do not have. The following information is being reported and is inaccurate, {$2700.00} balance that includes but not limited to {$1100.00} reletting charge, {$810.00} carpet replacement, {$85.00} cleaning fee, as well as a {$75.00} late fee and additional interest when I do not have a contract with the collection agency in order to charge interest nor do I have an open account with them. I gave notice upon moving out so the reletting charge is invalid, carpet had no major stains or damages normal wear and tear and the tenant can not be charged full carpet replacement for normal wear and tear. I was not given a billing statement until after move out so I was unaware of amount to be paid in which I requested for amount and was not given a correct statement until I received a collection letter, therefore I will not pay a late fee for an error I did not cause. I have sent pictures and videos of the move out report proving no damages and the apartment was left in much better condition than when I moved in. This company has refused to do whats right for a XXXX and it affects me. I want a resolution as soon as possible as I have been fighting this for 2 years.

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 2022-08-02
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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: Their investigation did not fix an error on your report

Complaint:
I have filed a police report and supplied it to XXXX, XXXX, and Experian. I have filed my FTC identity theft report as well. They refuse to remove these accounts that are clearly Fraud!!!. I have asked these companies to validate this debt and they can not!! But when I submit it to the credit bureaus to fix it somehow comes back verified how? This timeshare account which is definitely not a mortgage keeps coming back to me when my ex-husband opened the account, not me. I have shown all 3 credit bureaus to fix this and they will not. The company has already been reported to the FTC for its shady practices but, the credit bureaus won't help me at all. They have reported this on me but not my ex-husband the person who actually open the account. These things clearly violate my rights under the FCRA. I want this gross neglect fixed ASAP. Here are the accounts in question : XXXX FOR XXXX XXXX account XXXX, XXXX XXXX XXXX Original creditors XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I want to add the police arrested the individual who did this to me as well. He was arrested in Colorado while I live in California. He not only had my information making fake driver 's licenses but he also had the information of over 50 people doing the same to them. I have supplied enough proof to show this isn't my information. I have over 100 fraud inquiries as well that they won't remove. 


I would like to add XXXX has already deleted the following account but the other 2 credit bureaus have not : XXXX XXXX XXXXT this company has lied so many times and reported wrong as well. this account actually belongs to my ex-husband as well not me!!!!!! 


My next step will be legal action against the credit bureaus and these credit furnishers if these errors are not fixed within 30 days as per my right under the FCRA 15 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

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