BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-15
Company: Commonwealth Financial Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Finance is reporting a debt from XXXX XXXX XXXX in XXXX. I have not resided in Florida since XXXX. I have disputed this charge several times in which they have refused to remove from my credit. I did not XXXX XXXX XXXX XXXX any time since XXXX. If this is my account then Commonwealth has retolled/reaged this debt which is a violation of FCRA. I am requesting this be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
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:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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 2023-05-29
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'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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
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: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit reporting act XXXX XXXX  Original creditor : XXXX XXXX Account number XXXX has violated my rights XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
Account number XXXX has violated my rights XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX. 
Account number XXXX has violated my rights XXXXXXXX XXXX Account number 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 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 2018-12-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian makes it so much harder that any other agency to remove a fraud alert. First they make it near impossible to reach a human being, I was only able to do so via XXXX, where I was provided 2 alternatives. One was a website link that apparently doesn't work well on mobile devices ( won't upload supporting documentation ) as if every body in  America owns or even care to own a computer. After at Least 10 tries I have no choice but to give up that choice. The second  alternative is to send via post mail a long list of sensitive documents ( copy of photo ID, copy of social, proof of residence, hand written letter requesting removal ) which I rather not send over mail, and as if every one in America owns a printer. I had no issues getting this done over the phone with the other bureaus. I just had to off course verify my personal info and fraud alert was removed, which was, by the way, undone by experian automated system, who added 6 mos of fraud alert & shared that with the other bureaus, as I was trying to reach a human being to discuss having the existing alert removed. Needless to say now I'll have to contact XXXX & XXXX  yet again to remove that 6 mos alert experian so gracefully added, and haven't gotten nowhere with experian yet. The phone number provided only takes you in circles.

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 2023-05-10
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Support Team, I am writing this complaint to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, as I have not violated any of PayPal 's policies. 

I understand that PayPal has strict policies in place to ensure the safety and security of its users. However, I have always used my account in accordance with these policies and have never engaged in any fraudulent or suspicious activities. Therefore, I am confident that there has been a misunderstanding, and my account has been limited in error. 

I would like to kindly request that PayPal re-investigates my case and restores my account if possible. I am willing to provide any additional information or documentation that may assist in this process. 

I rely on my PayPal account for various personal and business transactions, and its permanent limitation has caused significant inconvenience and distress. Therefore, I respectfully ask that this matter be addressed with urgency. 

For your reference, the email address associated with my PayPal account is XXXX. 

Thank you for your attention to this matter, and I look forward to a positive resolution soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX  ( XXXX ) is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of XXXX  does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2019-01-30
Company: EQUIFAX, 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:
I am formally writing this letter of complaint to you in regard to Equifax Credit Bureau. 

Equifax has violated FCRA rules and consistently failed to delete several inaccurate, unverifiable, adverse and erroneous accounts that they posted on my credit report. These inaccurate accounts are as follows : XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$570.00} and XXXX ( account # XXXX  ) in the amount of {$190.00}. 

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also will enclose the lettered copies of my communication to XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and & Section 611 ( a ) ( 1 ) ( A ), Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a consumer credit report. Ill enclose the copies of several letters ( with certified mailed receipts ) that I sent to Equifax in request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for the adverse the accounts they continue to post on my credit report. I have suffered extensive grief and emotional distress due to Equifaxs failure to accurately verify these accounts, resulting in my inability to obtain credit. I have also advised Equifax that according to Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

Equifax was also furnished proof that the XXXX ( account # xxxxxxxx ) in the amount of {$190.00} was in fact disputed and DELETED from my credit report by XXXX  and XXXX  SINCE XX/XX/2018 ; ( I will re submit the proof of deletions via attachment ). However, Equifax continues to carelessly and negligently continue to post that inaccurate account ( {$190.00} ) to my credit report!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

In the absence of such documentation ( an original Consumer Contract ) bearing my signature, I formally request Equifax immediately delete all the aforementioned derogatory accounts from my credit report associated under my Social Security number. I will litigate if this request is not honored. 

Note : This CFPB complaint is solely directed to Equifax Credit Bureau. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: WA
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:
Recently, when I checked my credit score on my banking website, I noticed that my credit score had gone from a score of XXXX down XXXX points to XXXX. I looked at why this had happened, and I noticed that a credit inquiry was made on XX/XX/2023 from XXXX XXXX XXXX. I did not apply for this credit card. When I called XXXX XXXX, they were able to identify an application made under my name, XXXX XXXX, but they had marked it 'suspected of fraud ' and didn't proceed with the application. They sent me a letter stating that the application was fraudulent and they were withdrawing the application. I asked them how to get this off my credit report and they directed me to file an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Advanced Resolution Services Inc.
State: GA
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:
On XX/XX/2023 I sent a letter to ARS ( Advanced Resolution Services Inc. ) requesting them to provide proof of me giving them WRITTEN PERMISSION to obtain and furnish my personal information to any XXXX XXXX XXXX. Advanced Resolution Services concluded its investigation by stating BANKRUPTCY XXXX ( XXXX ) was properly associated with me and cited this information came from XXXX BANKRUPTCY COURT MIDDLE GEORGIA but no proof of my WRITTEN PERMISSION. This puts Advanced Resolution Services in violation of 15 USC 1681 ( b ) ( 2 ) because this company is obtaining and furnishing my personal information without my WRITTEN PERMISSION. I also have a letter from The XXXX BANKRUPTCY XXXX XXXX GEORGIA stating they do not report any personal information to any Credit Reporting Agency but the XXXX XXXX XXXX are allowed to use a public internet source known as PACER to collect my personal information, thus proving Advanced Resolutions Services is getting information from a public source and not me. For Advanced Resolution Services to knowingly TRANSFER, POSSESS, and USE my personal information is a violation of 18 USC 1028a ( Aggravated Identity Theft ), which is a punishable offense. I intend on holding Advanced Resolution Services liable for any undue financial hardships I suffer at the hands of their negligence of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: VW Credit
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: Credit inquiries on your report that you don't recognize

Complaint:
Hi there. 
Im not sure if I followed the right steps, but this is the problem that Im having. In XX/XX/XXXX I was involved in a accident with my motorcycle that was bought with a loan trough Volkswagen Credit inc. I was hospitalized but I always been in contact with VW credit to understand better what was the right thing to do. I payed my monthly fee  on XX/XX/XXXX and kept a line of communication with constant phone calls. All of the sudden on XX/XX/XXXX, right after I make my monthly payment, Ive received a letter that was stating notice of our plan to sell the property. I did contact them via phone to figure what exactly was going to happen. An associate of VW credit had reinsured me at the the time and told me to wait until the motorcycle was sold at the auction. The motorcycle was eventually sold and the new numbers where available ( what I howe at the time plus the tow company expenses minus the amount due the motorcycle being sold at the action ) I contacted VW credit to discuss the situation. Tone where different since the beginning ( even the way that normally the number was working before this happened an automated voice system was answering, now a real operator was answering my calls ) and I was asked to pay in full or to contact XXXX XXXX a company that handle those situations for us. I couldnt pay the amount in full so I contacted XXXX XXXX to discuss my options. When I contacted them they didnt have my info in file, they say was a mistake and to check again. So after few calls and days my file popped at XXXX XXXX. I spoke with an operator and found a solution that was beneficial for both parties. For the next year or so I didnt really need my credit score number for any particular reason until last month where I figure that my score was lower  than 600 when I was remembering having over 780. I asked for a credit report and discovered that VW credit had kept file me negatively since XX/XX/XXXX with 4 REPOSSESSIONS in 2 different time ( XXXX/XX/XX/XXXX and XXXX/XX/XX/XXXX ) I didnt even know that they were still involved and I tried to understand with them what they were expecting me to do exactly, I never missed a payment and I was always there for find a solution that could have benefit both parties. Now my credit score is as low as ever I had XXXX agent suggesting me to dispute this, but she was saying that trough them I cant have the cancellation of this record and that will stick on me for 7 years! 
I think there is some macro mistakes here ( the 4 times Repossession of a crashed/ sold motorcycle is one of them ) Im originally from XXXX and I might not be the most knowledgeable person about this matter, what I know is that I never refuse to pay ( unless asked to pay in full ) I never been late with the payments and that I kept a line of communication the all time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit score was great in late XXXX. Then prior to taking a trip, I checked my credit report and there is a false charge from XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023. I am in great health and worked tirelessly the entire month of XXXX. This charge is not mine. I never received notices of this charge, as it was fraud and just appeared on my account under the Collections Agency of Lockhart Morris & Montgomery. I filed a police report for the identity theft and fraud. This is not mine and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: SUNTRUST BANKS, INC.
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XX/XX/XXXX Re : Complaint against Sun Trust Previously I already reported three times regarding Sun Trust bank repeatedly deduct {$20.00} from my personal checking account ending in XXXX in XXXX, XXXX, XX/XX/XXXX. Now I experienced another {$20.00} deduction on XX/XX/XXXX for the same account. The previous CFPB Complaint number were XXXX and XXXX. Per the attached response letter from Sun Trust bank, the executive team staff named XXXX XXXX stated that " the fee that was assessed on XX/XX/XXXX was refunded on XX/XX/XXXX. The accounts are now properly linked. It may take a complete billing cycle for the change to take effect. In the event a fee is assessed for the month of XXXX, it will be refunded ''. As I already complained this bank that all accounts were linked together from XX/XX/XXXX. Each month all my accounts met minimum balance requirements to waive monthly service fee. In my previous Complaint I have attached Sun Trust consumer fee schedule showing my account ending in XXXX not only linked with business account but also linked with savings account with balance at least {$10000.00}. Therefore all my accounts were never charged fee before XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX It was intentional stealing money caused this problem. 

I still insist ask this bank to pay insufficient new accounts bonus {$500.00} as attached. Per the promotion bonus offer, I have completed 10 debit purchase and {$500.00} direct deposit. It was different kind of promotion offer from Sun Trust. However Sun Trust repeatedly confuse two different promotion offer. 

The third issue was regarding deny Master card holder benefits. Several claims have been denied due to satisfaction guaranteed and purchase assurance claims in the amount of {$3.00}. 

The fourth issue is for unpaid compensation for repeated account damages from XX/XX/XXXX to today. This bank caused this problem, this bank must pay my damages such as my time to prepare Complaint 4 times. My personal time is very valuable {$300.00} per hour. It takes me 5 months to suffer anger, irritation, anxiety, pain, distress as personal injury caused by Sun Trust. Per my previous Complaint I also complained repeated harassment and invade of my privacy such as release my banking information to unknown parties. Because of the extremely unstable and theft banking experience, Reopen new accounts will bring me all kinds of inconvenience. I am asking compensation of damages {$25000.00} for hurting my credit.

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 2023-05-29
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit 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 several disputes with XXXX for different reasons. This useless bank is not helping me with these disputes. They are closing these disputes without even trying to help me. They ask me for documents. I send them documents and it's never enough for them. It's like they can't be bothered. Useless!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-10
Company: SUNRISE CREDIT SERVICES, INC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunrise credit services has placed a fraudulent collections account on my credit report as of XX/XX/2022, in the amount of {$330.00}. I have never consented to this account being open nor was I aware of this account being opened fraudulently with my information I have contacted this company more than once and they give me the run around concerning the account. I have a police report filed and stamped concerning the account and all other proof that I am not responsible for the account that is currently in collections.

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