BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
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: Problem with personal statement of dispute

Complaint:
To whom this may concern : I have sent out letters to Transunion on XX/XX/22 XXXX, XXXX and XX/XX/22 items I deemed questionable and inaccurate. In these letters I requested Transunion to validate these items they are reporting on my credit file. 

Each time I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) they don't send me the proof I requested, and only send me a generic letter stating item has been " verified ''. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus and data furnishers are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 
Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I am in distress, because I feel like Transunion is trying discourage me and detour me from disputing items I deem inaccurate and questionable. How can I take a company 's word for something as being just " verified '' when they ignore my request for proof on numerous occasions? If you have properly verfied the items, than why not send the proof I requested. Now They are sending me letters stating that because I already disputed the accounts, and since they have came back " verified '' they are not required to reinvestigate. 

My rights have been violated and I will be filing a complaint with the XXXX, and my states attorney general. Furthermore if this issue can not be resolved I will take legal action against the Transunion.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: NY
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:
My right as a consumer is being violated according to " 15 usc 1681a2 '' I did not give permission to have this account furnished on my report. In Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
These accounts have been reporting on my credit for the past 12 years, and I'm not liable for this debt. 

XXXX XXXX XXXX Account Number : XXXX has violated my rights XXXX XXXX XXXX Account number : XXXX has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: EQUIFAX, INC.
State: MI
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, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent a dispute letter certified mail # XXXX XXXX XXXX XXXX XXXX. The letter was received by Transunion on XX/XX/2022. 

I asked Transunion to investigate every piece of information on accounts I disputed. 

According to 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. 

Transunion stated that the accounts were verified/updated ( see the response letter from Transunion attached File # XXXX ) but how is this possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reporting XXXX XXXX percent accurate and according to 15 USC 1681a, everything must be accurate.

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 2022-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
The following accounts listed below are being reported with plenty of errors. 
XXXX Account # XXXX XXXX Account # XXXX In accordance with The Credit Reporting Act Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the account status is innacurate, the date last active is inaccurate, payment status is innacurate and date last reported is not accurate.this is grounds for removal, they also violate my rights under 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-01-29
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Subject : Complaint Regarding Unauthorized Transaction and Limitation on PayPal Account Dear PayPal Team, I am writing this formal complaint to bring to your attention the unauthorized transaction that took place on my PayPal account on Tue, XXXX XX/XX/2023. I have discovered that the transaction was for an amount of {$200.00} to XXXX XXXX, which I did not initiate. 

In addition, I have also discovered that a new address ( XXXX XXXX XXXX XXXX, CA XXXX ) has been added to my PayPal account without my authorization. I immediately took action and reported the unauthorized transaction by calling your phone support. I was provided with a case id ( XXXX XXXX and was assured that the matter would be resolved in my favor within 10 calendar days. 

However, on Sat, XXXX XX/XX/2023, I received an email from " XXXX '' informing me that my account has been temporarily limited due to some information that needs to be confirmed in order to keep my account and money safe. This has taken me by surprise as I was not provided with any information or explanation as to why the limitation was put in place. 

I strongly believe that my personal information has been leaked during the unauthorized access of my account, which has resulted in this limitation. The email I received suggests that some information needs to be confirmed in order to lift the limitation, but I have not been provided with any further information or explanation as to what information is required or why it is necessary. 

I am attaching my XXXX 's card statement with this complaint and request that you lift the limitation using this information. I have already provided a bank statement to your team on Wed, XXXX XX/XX/2023, and it was reviewed and my account was restored on the same date. I therefore request that you investigate this matter and lift the limitation on my account as soon as possible. 

Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute any unauthorized transactions on my credit card or bank account. This act protects consumers from inaccurate or unfair billing practices and ensures that they are able to dispute any unauthorized transactions that they may encounter. 

Furthermore, the Electronic Fund Transfer Act ( EFTA ) ensures that consumers are protected against unauthorized electronic funds transfers. This act regulates all electronic fund transfers and establishes the rights, liabilities, and responsibilities of participants in these transactions. 

I would appreciate a prompt resolution of this matter and a full refund of the unauthorized transaction. I look forward to your prompt attention to this matter and request that you keep me updated on the progress of your investigation. 

Thank you for your time and consideration. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonweath financial systems is the creditor is there saying that there is a dead from XX/XX/17. This is the first time I ever heard of this debt seven years later and they want to collect {$1300.00}. They have no proof that this is my debt I have asked for something with my signature on it and they can not provide me anything. All they wan na do is collect his death. This is a fraudulent debt by this company. I know other people that have gotten letters from this company demanding payment on a debt that doesnt exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Afterpay US Services, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This is a continuous prob with After as they refuse to acknowledge issues and refuse to c all you and resolve. They now send auto messages that has nothing to do with thde issue and fail to acknowledge the real issue, after they auto take funds from my checking act without my authority, mentioned the issue and still take funds from me. I have paid for all items and they are still going back to my checking debiting funds every 2 weeks as i informed them repeatedly that I returned all items. They go back toask for personal info repeatedly & blow you off, tell me to go back to XXXX XXXX  XXXX for a refund as merchant doesn't refund they SPECIFICALLY STATE refund back to AFTERPAY. AFTER running a SCAM and FRAUD as they come they keep your money and tell you to go back to merchant. THEY CONTINUE TO VIOLATE MY RIGHTS and steal my money. Refuse to help, refuse to call. They charged me XXXX and I returned all items to XXXX, they refuse to help and send auto emails telling me to check emails and bank, they will tell you anything and send useless email automated to blow you off as I will not go away-. They are true thieves. XXXX XXXX  refund purchases were returned and receipt indicated refund and no refund from afterpay! REFUSE TO HELP and should be fined-how is this legal CFPB???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

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 2023-05-12
Company: Experian Information Solutions 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, XXXX, Experian, and the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 6802,15 U.S. Code 6801, 15 USC 1681. The Credit reporting agencies are displaying my private information publicly without consent. The institutions have not furnished the items below required by law. 15 U.S. Code 6801 - Protection of nonpublic personal information Each of these companies has violated my rights by reporting information to the credit agency. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

DELETE ALL of the ACCOUNTS BELOW and ALL INFORMATION associated with them : 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

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 2021-08-26
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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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