BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a XXXX XXXX credit builder account on XX/XX/2019 to help build my credit and I was denied. XXXX XXXX gave the name, number and address of XXXX XXXX upon my denial. I went to the Official Site of XXXX XXXX website and ordered my credit report. I received a conformation number and my my disclosure report would be mailed to me in 5 days. I have not received a report. Once I realized the report was taking quite long. I sent XXXX XXXX a certified letter alerting them that I requested my report on XX/XX/2019 as of at the time XX/XX/2019. My letter was received on XX/XX/2019 and I still have not received my report. In my letter they were also aware that I would contact the C.P.F.B and my letter was still ignored.

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 2018-10-30
Company: Financial Corporation of America
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Complaint Type : Billing or Collection Issues Collection Company : Financial Corporation of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Business Phone Number : ( XXXX ) XXXX Problem : This a SCAM & Un-Verified attempt to Steal Money not Due a Crooked Collection Agency. I have received a collection notice ( # XXXX, internal number to FCA ) for a Hospitalization from an Accident that has been paid in full approx 1 year ago! This was Verified through XXXX & my Attorney!!! This Organization is a LIAR Thank you for this avenue to express and report. However, our SYSTEM Is BROKE!! Good People are allowed to be Harassed by Criminals and failed efforts to VERIFY TRUTH! " The Good thing About the TRUTH, You Never have to Explain It '' Product/Service Purchased : FAKE Collection Purchase Date : XX/XX/XXXX Date Problem First Occurred : XX/XX/XXXX Dates you complained to the company/organization First Date : XX/XX/XXXX Payment Made : No Original Debt : ( PAID in FULL ) XX/XX/XXXX XXXX XXXX Hospital XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint against Equifax located in XXXX, GA This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, Equifax has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent Transunion a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and TransUnion responded with the same response. I am asking that you force Transunion to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017 XXXX XXXX/XXXX/2017

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 2022-05-17
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX Account 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 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 2018-10-30
Company: JH Portfolio Debt Equities, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was offered a settlement and I paid the settlement offer in full on XX/XX/2018. This has not been updated on my credit report to reflect the account was settled and I have a XXXX balance. Please see attached letter showing the settlement offer and the letter showing the account has been paid.

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 2023-05-07
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2016-11-27
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage to OCWEN. They were supposed to send me the balance of my escrow account. Their represented stated that I would receive three checks. I only received two. They owe me {$130.00}. They ignored the attached letter which I sent certified and received a signed delivery receipt. 
XXXX XXXX Tel. XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$620.00} ), XXXX XXXX XXXX ( Account number XXXX, Date opened XX/XX/XXXX, Balance {$450.00} ), XXXX  XXXX XXXX ( Account number XXXX, Date Opened XXXX. XXXX, XXXX, Balance {$670.00} ), XXXX XXXX/XXXX  ( Account number XXXX, Date Opened XXXX XXXX, XXXX, Credit limit {$300.00} ), XXXX  ( Account number XXXX, Date Opened XXXX XXXX, XXXX, Original amount {$520.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2018-10-30
Company: Bread Financial Holdings, Inc.
State: CT
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 called XXXX XXXX XXXX over a year ago about the complaint because i returned the item and was not going to pay for an item i returned. they said they fixed the problem but i still kept recieving notices in the mail stating i still owe. this occurred 3 consecutive times until the 4th time i calles it was finally resolved and they sent me a check in the mail for {$33.00}. they also said that they would report it to the credit reporting agencies to fix my credit but my credit was never fixed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My paypal account is very old and I already used it since 2009 for my online business specially in XXXX and own services products as freelancer. But recently, without notice Paypal sent me an email that my account was permanently closed and limited. I was shocked with their action and I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( XXXX XXXX XXXX ) with no bad records or negative feedback from my buyers. I am also using this as a mode of payment of remittance from part time job at XXXX  as a XXXX. My paypal account is XXXX. I believe I didnt violate any of their rules. For how many years using it also in XXXX last two years ago serves as a proof that I legitimately doing a good business based from my very good receiving payment from different buyers and customers. Maybe this was mistakenly closed. And I am hoping that I will get back my account and able to withdraw my funds and get back to business again. Thank you for your help. 

I am attaching my Valid ID and some screenshots and certification of legitimate business from our country. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Experian I am writing to inform you that there is information on my credit report that has resulted in identity theft. I have not provided written permissions or instructions for the identified transaction to be reported on my consumer report. Therefore, I kindly request that the reporting of this information be blocked and deleted. 

I want to emphasize that my request to block is not being made in error. Additionally, my request to block is not based on a material misrepresentation of fact by me that is relevant to blocking the identified transactions. It is important to note that the identified transactions do not pertain to any transaction made by me as the consumer. The transactions in question are as follows : XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX no third party involved According to the Fair Debt Collection Practices Act ( FDCPA ), upon the consumer 's request, you are obligated to block all transactions reporting to my consumer report within 4 days from the date of receipt of this notice. I am eagerly awaiting your prompt response. 

Thank you for your attention to this matter. 

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 2016-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been disputing with Tranunion for a while now and this is my last resort. I have XXXX items on my report from XXXX XXXX and XXXX of them is a duplicate. This is obvious. 
XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION Please remove this erroneous 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 non-monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, 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:
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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
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:
I sent documents to all 3 credit bureaus equifax and transunion fixed it experian just displays the same information that i have a collection and its late i sent the same information over and over for over a year and it was not fixed i sued the apartment company and won it was to be deleted off my credit report but experian is reporting it and making it difficult to find housing for my family the amount is XXXX and im a hurricane irma victim the apartment flooded and got mold and deemed unhabitable by fema i later received a collection i faught in court and won the XXXX cashed the check and never removed it off my credit i disputed with transunion i feel as though they didnt read my letter perhaps looked over the proof the check

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX FTC XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX. 
Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC 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 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-11-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi for some reason you guys are saying my complaint isn't me. Here I am again fighting to get my complaint heard due to my rights being broken. It's been more than 30 days since I haven't heard anything from the credit bureaus. I have unauthorized credit accounts on my credit report that are false Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I signed up some time ago up for free Equifax Complete Premier data montoring as part of a breach settlement ( XXXX XXXX XXXX XXXX XXXX, Case No. XXXX. ). I thought I was signed up, but then I found a credit card was filed in my name- I never heard from this Equifax about this credit pull. I tried to log on to the service but forgot my password and tried password recovery -- this has sent me to a generic error page saying " We are temporarily unable to complete this request. '' - this error has happened repeatedly over days abnd I read it is a regular issue of people trying to log in. I even tried to sign up again with another email and the system says I already have an account and need to sign in. This of course gets me back to the password recovery error page saying " We are temporarily unable to complete this request. '' I called Equifax and the service reps were no help at all- they have said there is no account under this name... they even said there is no credit report at all under my name, which is of course imposisble.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: PA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief