BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst 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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

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 2015-10-09
Company: AFNI 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:
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Pursuant to the Fair Debt Collection Practices act there must be a contractual agreement and they have failed to provide this. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, INC.
State: NC
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:
Inacurrate and fraudulent accounts reported from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Information belongs to someone else

Complaint:
DEAR CFPB ; CRA 'S ; BANK OF AMERICA ; I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I honestly do not believe to ever have any relationship with this collection agency or original creditor. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-12-06
Company: EQUIFAX, 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:
two account XXXX  and a XXXX XXXX accounts are reporting under my name, which do not belong to me, these are inaccurate information reporting under my name, i have made a complaint any times with the XXXX  and equifax. 
please help me to have these stressful situation ends. i have also filed a FTC report and sent to bock agencies many times. 
XXXX is reporting discover and a wells fargo account and equifax is reporting a bankruptcy that i had never filed. 
please help me in this situation. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2022-11-22
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was corresponding to my attorney via email and I did not realize that her email was hacked. Someone was impersonating her and requesting that I made payments on my account. I offered to send a check out with the full balance of my account and they said they preferred that I wire the money instead. Thinking that this was my attorney making the request, I offered to send payment through Zelle and they gave me an email of someone who I thought was an accountant at the law firm. I sent two payments through Zelle. One for {$500.00} on XX/XX/ and another for {$460.00} on XX/XX/XXXX  I called my attorney to confirm the payments and she did not have any idea about the payments, she never requested that I make any payments. It was at this point that we both realized her email was hacked and I was scammed. I called my bank ( XXXX ) and they told me that they could not do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Westview Financial Services VA, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Last XXXX a det was satisfied and the negative information appear twice for no reason .the company was paid and satisfied of any old det that was owed to the creditor. A company was given permission to help take down the negative information by its still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : XXXX, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2020-02-26
Company: Resurgent Capital Services L.P.
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 explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-11-22
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered on XX/XX/XXXX. Credit Card balance of $ XXXX.I received a notice stating my account will be closed XXXX/XXXX/22 as I stated clearly I'm accepting for value and returning to the sender extinguished as a Mutual offset credit exemption settling & satisfying the account NOT CLOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX  and equifax has accounts on my credit report thats inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
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 act 15 usc 1681. 
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 XXXXXXXX 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 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 infor
mation any other adverse item of information, other than records of conviction 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 reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: GA
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:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through XXXX XXXX XXXX. During the lawsuit between the CFPB and XXXX my account was removed from all 3 credit bureaus but after the lawsuit was over my XXXX account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-11-22
Company: TransferWise Ltd
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Using Wise ( formerly Transferwise ) I began a transfer of around {$4000.00} USD into XXXX Pesos on XXXX XXXX, 2022 using a business account. 

-It is important to note that setting up the business account cost me {$31.00} USD and it required me to provide proof of address of the business, ID 's of myself and account details for my business. 

The next day, on XX/XX/ 2022 and after XXXX hours that Wise received the money they asked me again for proof of the bank account transfer and proof of ownership to this bank account ; I submitted them immediately. After XXXX hours of submitting it Wise sent me another email asking for the same details : I uploaded them again and called their customer service line ; they told me that I uploaded the documents in a wrong place but they've found it and will take care of it ( I did not wanted to argue but there is only XXXX place I could upload information ). 

XX/XX/2022 still no news about the transfer. I called again and they told me they would take a look into it. After this, a button to share the status of the transfer appeared on my end and it was shared with the receiving end ( the estimated time to deliver the transfer was at most XX/XX/XXXX ). 

XXXX XXXX, 2022 after another unproductive call to the customer service line another set of documents were requested over email and the web app. They ask again for proof of ownership of the account and again for an ID which i submitted. They confirmed they've received the documents but should wait XXXX hours. 

XXXX XXXX, 2022 the button to share the status disappeared sending a very troublesome communication to the receiving end. Delivery status changed to undefined. I cancelled the transfer and asked for reimbursement. 

After this I called every week to customer service without effectiveness. My money is still on Wise 's hands for a month now and with no clear date to when will I get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
In XXXX XXXX XXXX Venmo froze my account. After providing requested documents to verify my identity I was informed that my account would be permanently frozen and the funds in the account would be held for up to 180 days for loss prevention and I would get an email should these funds become available. On XX/XX/ I got the email saying I would be able to transfer my funds ( {$250.00} ) out of Venmo using their standard bank transfer option. There was no bank account linked to my Venmo account so I needed to add a bank before I could transfer the funds. I am not able to successfully link my bank account due to the status of my account according to Venmo. I have called Venmo 20-30 times since I got the email on XX/XX/XXXX saying my funds were able to be transferred. I was asked to send pictures of my ID again and a recent bank statement for the bank account that I was trying to add. Which I did immediately. However just like every other phone call with Venmo concludes I am just told they will have to escalate my issue to an account specialist and they will get back to me by email in 7-10 business days. So far the emails I get in response to this issue are unrelated and do not resolve the problem. In fact some of them are identical to the email I got in XXXX explaining that my account is frozen and my funds will be held for up to 180 days. So Im really just going through the same process over and over getting nowhere. I have even asked to just close my account and they can mail me a check but I am told that due to the status of my account that is not an option. I have been transferred to a supervisor at Venmo only 2 times but they just repeat the same info and tell me to wait 7-10 business days for an email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On   X/X/2017  I  want to continue to move forward with clearing up my debt.      XXXX   XXXX   XXXX   XXXX , has not provided me with adequate information regarding this debt but I presumed it could be true being that My then company was financially damage from the government fourloughs which trickled down to many of their employees including myself and lasted a long while.     After being transferred I reach a desk of a man who proclaims he is my account manager, and that this debt is mine, even after me requesting that he send information regarding this allegation for this particular account, he refused. Then began to use tactics to force me to pay right on that day a lump sum of around {$830.00} or high payment plan option. After attempting to negotiate I asked him to note the account and I wanted to speak to someone else, he would not allow me to. He proceeded to threaten me with this  First before any of that happened, okay you were transferred and it shows here this amount for this debt and you 're in pre legal status and that even if I agreed to payments that The creditor may still sue me and I would have to pay all the court fees for a debt that 's only worth {$1000.00}. I did some rights digging and requesting a free annual credit report.     I am sending a letter to  XXXX  requesting validation and of options, by    X/X/2017   .     I feel bullied, Pressured and optionless. The verbally abusive representative name is  XXXX   XXXX , so he says and the lady who transferred me to him name is  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