BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 15 USC 1681 ( ACCOUNT NAME ) XXXX ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ACCOUNT NAME ) XXXX XXXX  ( ACCOUNT # ) XXXX ( ACCOUNT NAME ) XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) ( ACCOUNT # ) XXXX  Has violated my rights. 
15 USC 1681 Section 602 ( A ) States i have the right to privacy 15 USC 1681 Section 604 ( A ) Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( c ) ( 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 USC 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 2023-01-25
Company: Kovo
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was reported as being late due to an error online with the updating of a new debit card to make the monthly required payment in this credit building program. I would like a reversal of that and it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX. XXXX XXXX on XX/XX/2023 regarding a debt from XXXX that I did not recognize. I sent a letter back to XXXX. XXXX XXXX on XX/XX/2023 advising that I did not recognize this debt and wanted them to provide a verification of the debt within 30 days. I have not heard anything back from XXXX. XXXX XXXX since then. I contacted XXXX, which is where I currently have my service, and they had no record of this debt in their system. I put in the letter to XXXX. XXXX XXXX that I didn't want this to go on my credit report and wanted to avoid that at all cost and wanted to get this resolved before then. Debt Acct # : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I had a customer file a false dispute on a dress she bought from me. 

Paypal immediately took {$120.00} from my account within MINUTES of the report and demanded I pay them to bring the account to a positive balance. 

I did so and complained about the process.. They ignored me. 

I provided numerous screenshots proving tears and condition were disclosed on the listing, in images AND on the invoice. I also stated that I believed the customer had her daughter wear the dress in a pageant and then filed a false report because she admitted her daughter wore the dress to the pageant. This was all provided through the official resolution center and recorded as a response. 

Paypal ignored my screenshots and stated they refunded her anyway. 

I reached out and asked why after I provided evidence. They said they didn't get the screenshots and didn't ask me for them because they didn't 'think ' to do so. But I could appeal when I received the dress back. 

The customer was permitted to return the dress she used. 

Then Paypal deducted ANOTHER {$120.00} from my account today XX/XX/2020. 
Recall : I already paid for the {$120.00} on XX/XX/XXXX. 

I also received an email from them stating the reason they found in favor of the customer was because I didn't respond to the claim. 

This is false. I replied to the claim and they admitted it. 

I replied to the email and got an automated reply to message through the resolution center. 

I messaged in and waited three hours on chat for a reply. 

XXXX stated Paypal acknowledges the summary was not correct but refused to send a corrected statement summarizing the dispute. 

I asked why I paid twice and he refused to provide an accounting or explanation saying " it just looks that way '' I asked for a manager. He refused to send me to one. 

I asked to be called. 

He said Paypal won't call their customers. 

I asked for the chat to be transferred. 

He refused. 

I informed him I'd be filing this complaint, he said " feel free '' Paypal has intentionally created false records and is refusing to correct them. 

These records are critical to my recourse against the lying consumer, my business history with Paypal and my personal records. 

They are required by law to provide factual summaries. 

They are required by law to provide accurate accounting on disputes and transactions. 

Paypal did neither and then refused to do so when asked. 

Paypal refused to escalate the matter. 

I would like a corrected case summary sent to me and I would like a full accounting and explanation as to why the {$120.00} was taken twice from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I had received a XXXX in XX/XX/XXXX from a collection account from Synchrony Bank/Gap and I filed it with my XX/XX/XXXX taxes. I had then called the company on XX/XX/XXXX to see if I can pay it off so my balance would be at XXXX and I would have no past due so my credit score would raise. When I called I was told that the loan was forgiven and that I did not have to pay it anymore. So I asked the gentlemen what do I do now? He told me to file a dispute with all three credit reporting agencies and state that the loan was " forgiven ''. On XX/XX/XXXX I had filed the dispute the all three credit reporting agencies and stated that I was told to do so by the creditor. 
On XX/XX/XXXX, XXXX contacted me and told me that disputed information was updated and that a change has been made on my credit report. The balance due and past due amount was now zero and the pay status and remarks now said that the account was paid in full. 
Then on XX/XX/XXXX I received an alert from XXXX stating that a account on my report had changed. When I called on Monday, XX/XX/XXXX I was told that Synchrony bank had updated my account again to show a balance and past due amount. XXXX  told me to call the company because they should not be reporting that since they had updated the account on XX/XX/XXXX. 
When I called Synchrony bank and spoke to a representative they told me that they had no knowledge of the account being changed to begin with. They told me again that the account was forgiven and that there was nothing I can do. They also told me that XXXX  was lying and they never updated the account to show a zero  balance and a zero past due. They did say that they did update it with an account forgiven. When I asked them why did XXXX  tell me that they are not allowed to update my credit report that only the creditor can do that they told me that XXXX was lying. 
I called XXXX right away and they sent me the original updated information from Synchrony to use in this dispute.

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 2023-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Name is XXXX XXXX XXXX my Company is XXXX XXXX XXXX the Bank Im making a complaint against is Bank of America. I have been a Member since XXXX  and recently started getting charges and no action or help in return remedy to take off the charge and stop these companies from having access to my bank account. Regardless of the proof I continually sent BofA they let XXXX XXXX XXXX, XXXX XXXX, and numerous others take over XXXX dollars out of my account and all the money I have deposited and no matter how many times I made them aware of these transactions and how fraudulent they were they still kept them processing my money and wouldnt let me have any Protection from illegal transactions. This is why no one Trusts any Banks or institutions anymore! They let the fraudulent transactions happen and then make the consumer pay for it and then treat us like a thief instead of a victim. Im done with this nonsense and I demand my Checking Account be reinstated immediately and reimbursed for over XXXX dollars of the fraudulent charges I have filed against but found no remedy only discrimination. Please CFPB I need your assistance in this matter. 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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
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 2022-04-13
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I attempted to contact Medical Data Systems about a debt that they have reported to my credit. To date I have never received any correspondence from them in regards to any debt. I spoke with Medical Data Systems in XXXX of 2022 and they illegally threatened to report my debt to the collection agency for negative impact unless I paid. I asked for further information about bills that they held and they gave me incorrect information, stating I owed {$270.00} to XXXX. I called XXXX XXXX and confirmed no debt was owed. On XX/XX/XXXX, they claimed that I owed {$270.00} to XXXX XXXX XXXX  XXXX XXXX  XXXX and when I called that office they do not have me as a patient nor any account under my name. I also requested information regarding any other debt that was not sent to me. 
Today when I spoke with Medical Data Systems, they refused to provide me details about the debt regarding what was the original bill information. Legally it is my right to the following information : If the debt is medical debt, the notice must also state : Your right to request the original account number assigned to the debt. Your right to request the date of your last payment. Your right to request an itemized statement that gives you all of these : the name and address of the medical creditor, the dates of service, the services the provider claims it provided you, the amount of principal owed on the debt, any adjustment to the bill, the amount of any payments received from you or anyone else, any interest or fees, and if you were found eligible for XXXX XXXX and if XXXX XXXX payments were applied to the debt When I requested the original account number assigned to the debt, the collector said it was not provided to her. When I asked to confirm that she was not able to provide me with the original account number, she denied this but continued to say that she could not provide it. She was only able to provide me with the amount, date of service and doctors. She directed me to call my insurance for more information. When I asked her to again to confirm that she could not provide the information legally required for debt collection, she let me know she was ending the call and hung up on me.

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 2023-08-28
Company: EQUIFAX, INC.
State: FL
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:
DEBT : XXXX XXXX XXXX, Reported : XX/XX/2023 Original Creditor Name XXXX XXXX XXXX  Validation of Debt Request & Accuracy I am writing this letter to formally request validation of the alleged debt associated with the above-mentioned account, as allowed by the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692g . Pursuant to this law, I am exercising my rights to ensure the accuracy and legitimacy of the debt being pursued by your agency. I am requesting the following information to be provided to me : 1. The original creditor 's name and contact information. 2. Detailed information about the alleged debt, including the amount owed, the nature of the debt, and the date the debt was incurred. 3. Documentation providing evidence of your agency 's authorization to collect this debt. 4. Verification that the statute of limitations has not expired on this debt in accordance with applicable state laws. 5. Copies of any agreements or contracts related to the alleged debt. 6. Proof of your agency 's compliance with all relevant state and federal laws, including licensure to operate as a debt collection agency in my state. 7. A statement confirming that negative reporting to credit bureaus will be ceased if the debt is found to be inaccurately reported. Furthermore, I would like to remind you of your obligation under the Fair Credit Reporting Act ( FCRA ) as outlined in 15 USC 1681i. If the debt in question is reported to any credit reporting agency, you are required to investigate and verify the accuracy of the debt upon my request. Inaccurate or unverified information must be promptly removed or corrected. Please provide the requested information and documentation within 30 days from the date of receipt of this letter. Failure to respond or provide the requested information within the specified timeframe will be considered a violation of the FDCPA and FCRA. Please note that all communications regarding this matter should be in writing and sent to the address listed above. Thank you for your prompt attention to this matter. I look forward to receiving the requested information within the specified timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Between XXXX I have been sending dispute letters regarding accurate reporting for certain accounts. By law, because you have reported these inaccuracies on my credit report and I have sent you a letter regarding this matter you should remove the account reported. It has hindered me from attaining a home loan and has ruined my reputation. 

The companies have either neglected to respond or responded with updated information instead of deleting the inaccuracy in which there are required to delete. The damage is already done to my credit. They have reported Charged off Accounts that have not only been fully verified but also remarked as charged off, but appears to show a Past due balance, inaccurate dates, and incorrect amounts owed.

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 2023-01-02
Company: Experian Information Solutions Inc.
State: AR
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:
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. 

XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, 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:
Account # 1 : XXXX XXXX XXXX  Account # XXXX Account # 2 : XXXX XXXX XXXX Account # XXXX They are are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ive disputed two collections on my credit report that shows inaccurate account status. Also, these collection companies havent verified the debt to truly be mine.

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 2023-01-08
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: Account information incorrect

Complaint:
Between XXXX I have been sending dispute letters regarding accurate reporting for certain accounts. By law, because you have reported these inaccuracies on my credit report and I have sent you a letter regarding this matter you should remove the account reported. It has hindered me from attaining a home loan and has ruined my reputation. 

The companies have either neglected to respond or responded with updated information instead of deleting the inaccuracy in which there are required to delete. The damage is already done to my credit. They have reported Charged off Accounts that have not only been fully verified but also remarked as charged off, but appears to show a Past due balance, inaccurate dates, and incorrect amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Bank of America employees opened an account in my name while I already had a savings account with them. I also closed an account back in 2008. They opened an fraudulent identity theft account the same time I opened an account and ran the account up in ways that are impossible. 
They negative the account at XXXX I closed all my accounts with them and they began sending me this fraudulent statement in the mail. I contacted 3 executives who confirmed it was closed. 3 months later I began receiving the same fraudulent statement again for the same account.

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