BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account that inaccurately and erroneously reporting on my profile. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Kindly investigate and remove it from my personal credit file. Thank you. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ***** Opened XX/XX/2020 Balance {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A credit card was open in my name in XXXX XXXX was a victim of stolen property in XXXX XXXXThe monthly statement has a different address than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I disputed XXXX items on my credit report via letter dated and certified mailed on XXXX XXXX, 2016. The investigation took longer than the 30 days allotted by FCRA. However, the items disputed were not removed from my credit report. On XXXX XXXX, 2016, I certified mailed a 30 day no response letter informing TransUnion on their investigation delinquency and respectfully requested that the items in dispute be removed from my credit report. Both letters were ignored and only XXXX of the XXXX items disputed have not been removed from my credit report. 
According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from my credit report. My original letter was received by TransUnion on XXXX XXXX, 2016 ( see attached ). Thus, I was to receive a response from TransUnion via mail on XXXX XXXX, 2016. However, the TransUnion response letter was postmarked XXXX XXXX, 2016 ( see attached ), and I received TransUnion 's response via mail on XXXX XXXX, 2016. Thus, TransUnion 's investigation was in excess of the 30 days allotted by the FCRA. 
My 30-day no response letter was dated and mailed XXXX XXXX, 2016 ( see attached ) and received by TransUnion on XXXX XXXX, 2016 ( see attached ). 
The Fair Credit Reporting Act, FCRA Section XXXX ( b ), and FCRA Section XXXX ( a ) ( XXXX ) requires you to : 1 ) investigate any items that I feel are inaccurate, obsolete or outdated 2 ) Investigate and respond within 30 days and 3 ) promptly delete that item of information from the file of the consumer. 

According to FCRA, I respectfully request that all XXXX items I disputed in my letter dated and mailed on XXXX XXXX, 2016 ( see attached ) be removed from my credit 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 explanation
Consumer complaint received 2016-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Did not close account! This account is past the 7 year mark and want it removed! Trans union and XXXX Opened Date XX/XX/2009 XXXX XXXX XXXX XXXX, MI 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 2016-08-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Name is XXXX XXXX XXXX XXXX. The current Experian credit report include information from a XXXX XXXX XXXX to include his address, credit information ( inquiries, collections ) and account that is not related to me in any form. I need this information corrected.

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 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I sent a complaint regarding some incorrect information to these companies on XX/XX/2021. I understand that these companies have 45-60 days to respond. It has been nearly 60 days with no response

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 2021-11-24
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX I went to XXXX of XXXX to purchase a vehicle using credit. I purchased the vehicle for personal, family, and household use and was financed through BMW financial. XXXX of XXXX demanded and forced me to make a {$6000.00} down payment in order to complete the purchase. pursuant to 15 U.S. Code 1605 no cash payment should have been collected

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Each year, I review my free annual credit report to make sure all information is correct. However, I first noticed on my TransUnion credit report where one of the accounts had the remarks, BANKRUPTCY DISMISSED ; PLACED FOR COLLECTION. I immediately filed a dispute and waited a month later on XX/XX/2016 for the investigation to be complete. On the dispute, I explained I had never filed bankruptcy ( or attorney for that matter ) and I wanted the remark to be deleted for accuracy. When the dispute was finish the same information is listed on my credit report. I became frustrated that not only FICO score dropped on all three credit reporting agencies and I followed the instructions of the customer representatives and no one listened or resolved matter. I need help - I can not buy a car or anything because my credit is affected. My report contain error that have harmed my ability to obtain credit. 
TransUnion provided no straightforward way for me as a consumer to correct erroneous blemishes affecting my credit. When I filed a dispute, TransUnion reflexively finds in favor of the debt collector that reported the debt. In this case, the debt collector was XXXX. TransUnion has failed my trust to maintain accurate credit reports and its refusal to investigate consumer disputes after I pleaded for help

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 2021-11-24
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account status incorrect

Complaint:
Portfolio Recovery Associates continues to report this account to my credit report, saying it's a delinquent account. I have been making payment 's every month since they took this account over and they refuse to remove or update it on my credit report. I also continue to get calls from them about this debt. Someone named XXXX said they would leave me alone if I give them access to bank account to debit monthly payments. I told them I do not feel comfortable doing that and I have consistently made a payment every month so I don't see what the issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The following accounts listed below are stillreporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just received notice that my mortgage is being sold by Stonegate to XXXX as of XX/XX/XXXX. I have read reviews of XXXX which make them look crooked and fraudulent. There is not one good review. I take pride in my credit and am very uneasy about this. Is there anything I can do to prevent this sale?

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 2017-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Transunion is reporting XXXX incorrect addresses. This is not or never have been my addresses. Please remove the following addresses, immediately : XXXX XXXX XXXX and XXXX 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 2021-11-24
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:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. 

This company has violated FCRA XXXX ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
EXPERIAN HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS 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 2016-08-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been trying to prove that XXXX XXXX XXXX is trying to collect on a debt that is uncollectable. Because the debt is Unverifiable accordingly to the FCRA. If a debt is unverifiable and the original credit is not trying to collect the debt and has not hired a collection company to collect the debt. Then it can not be collected in my case I use to stay at the XXXX at XXXX XXXX XXXX. I moved out of the complex and the owners XXXX XXXX XXXX sold the property and handed all old account over to the new owners. So, they had no obligation after the sell of the property to collect the debt. The new owners which is XXXX XXXX XXXX has not hired any debt collectors to collect on this debt. So, therefore XXXX XXXX XXXX has not right to try and collect on a debt that they have not been hired for by XXXX XXXX XXXX. Nor should they be able to collect on a debt in which XXXX XXXX XXXX is not trying to collect after the sale of the commercial property. I have a audio recording with me XXXX XXXX, XXXX XXXX my personal consultant, and XXXX XXXX XXXX employee talking about the collection efforts on this debt. Also, I have a letter from XXXX XXXX XXXX stating they are not trying to collect on this debut. I have a case file already on XXXX XXXX XXXX but they know their company is in violation of my rights so they want talk with my personal consultant about this debt anymore. They will not answer back to the CFPB case I file on them already. So, I want to deal directly with the Credit Bureau 's myself in removing this debt off my credit 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 explanation
Consumer complaint received 2016-01-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX 2015 I received telephone call from a debt collector representing the office of attorney XXXX XXXX XXXX. The representative offered a settlement for a past XXXX debt. We agreed to a payoff of {$380.00}. I paid and a manager indicated the amount agreed would reflect on my credit report. My credit report shows the debt paid however not the {$380.00} agreed. 

Please see the attachment from XXXX XXXX XXXX 's office.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XXXX/XXXX/2016, I loaded {$500.00} to my paypal account at XXXX using Paypal at the register ecash. I paid a XXXX processing fee, so my total payment was {$500.00} which I paid with cash. I have my XXXX receipt, which I also forwarded to Paypal for their investigation. 
The load never posted to my paypal account. Paypal has said that there was a known " bug '' during that day that prevented loads from posting. They said that my case is not unique and this issue affected a number of people. I have called paypal 10+ times following up on my issue. They said that they are working to fix the bug, but nothing has been resolved in 1 month. Two tickets XXXX XXXX & XXXX ) have been opened with paypal for the issue. I repeatedly am told that my issue will be resolved within 48 hours and I will be contacted, but I never am contacted. I have spent more than 5+ hours on the phone with paypal. I would like a refund of my {$500.00} + {$3.00} processing fee for a total refund of {$500.00}. I do n't care if they close my account, I am done using Paypal 's poor service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A debt collection company which appears to be located in XXXX, ND has been calling my residence several times over the last 6 months looking for a party who has n't lived here in 10 years. I 've advised them as such and they allege they 'll put me on the no-call, bad-number list, but they continue to call in spite of their hollow promises. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has been trying to collect a debt that is not mines. This debt has been removed from my credit reports before and has now been placed back on my reports by a different collection agency. As well it was placed on my credit with XXXX different amounts.

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 2020-04-10
Company: First Credit Services Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received on XX/XX/XXXX a letter in attempt to collect a wrongful debt from { first credit services , inc } on behalf of their client XXXX XXXX XXXX XXXX XXXX or ( XXXX ). XXXX could not provide any accurate information or confirm the validity of the initial signed agreement for the product which was a certification coarse totaling in the amount of {$2600.00} in which is trying to be collected. A social security number was not obtained to purchase this product and neither First credit services nor XXXX itself can validate under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 was not properly disclosed by the company of this debt or associated with thereof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: OH
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 recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ATTENTION : XXXX has notified XXXX XXXX XXXX to cease and desist all collection efforts against XXXX XXXX. PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I did not open a XXXX XXXX. I have disputed with all XXXX bureaus at least 12 times. 
I have requested validation of all aspects of the account, to include original application and signature, dispute letters, authorized users, statements, payment history, charge off statement, they can not validate. I sent certified letter and they have 30 days to complete and have not been able to validate. Account states on credit report I can not be located. Account states was sold to XXXX -- XXXX sent me a letter stating they were closing the account and removing from credit report due to no information.. Should delete and block the account permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
First, I noticed a change in credit report by a third party. The change was associated with a collection agency, XXXX XXXX XXXX. The agency continues to inaccurately report collection information about an allege debt to XXXX. 

XXXX nor the collection agency refuse to provide evidence of the debt owed. I've previously disputed this information, and no-one has been able to provide the documentation related as prescribed in 15 USC 1601 & 809 ( https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text # XXXX ) XXXX. Ownership of this account XXXX. Balance owed ( including payment history ) I am tired of dealing with credit bureaus because they are not addressing my concerns, meaning investigating disputes and inaccuracies. 

Second, mortgage payment from XXXX XXXX continues to report inaccurately ( see attachment ). These errors are affecting my credit scores and access to credit resources. The consumer bureau continues to ignore my requests for assistance, despite the fact that these are systemically overt inequalities and intentional discriminatory actions.

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