BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-28
Company: EQUIFAX, INC.
State: SC
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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. It appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$550.00} ; XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: Burke Moore Law Group, LLP
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, while building a fence for a client a XXXX XXXX XXXX XXXX XXXX was cut. XXXX XXXX had not marked this space. There were flags around it and because of that, the holes in question were hand dug. The actual cables were too far down and were damaged while the digging was taking place. 

The neighbor who was unhappy with the job complained that an auger was used in this area and that's why the wires were cut. This was not the case as other flags were in the same area. 

We received a bill in XXXX after this happened because of the actions of the neighbors. We worked with someone directly at XXXX XXXX . Unfortunately, at the time almost all offices were closed due to COVID, and we had to communicate via email. It was determined that because XXXX XXXX didn't mark that spot and all procedure for digging was followed, we were not liable for the bill, and it was cancelled. 

I kept all the information and paperwork for 2 years then decided to discard it. 

On XX/XX/XXXXXXXX XXXX XXXX I received a collection bill from XXXX XXXX XXXX XXXX. I was able to contact them and find out that disputes need to be sent to an email. I sent the first email detailing the above on XX/XX/XXXX. Due to my own health, I didn't follow up again until XX/XX/XXXX. I had yet to hear from them and sent both a snail mail letter and another email on XX/XX/XXXX. I still have not heard anything from this company regarding this bill/issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had charged-off status on an account that I was sure was not a charged-off. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. verify and fix this account : XXXX XXXX XXXX .... Balance : {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company by the name of Complete Payment Recovery Services , INC sent me a letter saying I owe for a return check and a fee. The address of the company is from XXXX XXXX XXXX XXXXXXXX XXXX XXXX and it has a return to address which is Complete Payment Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX and the phone number is ( XXXX ) XXXX. They are asking for my banking information to collect a debt and it has a control number of XXXX. I called the company they are trying to pretend to be which is XXXX. The mail is trying to pretend to be from XXXX XXXX XXXX XXXX XXXX I called XXXX XXXX and they said it was a false information mailed to 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 2022-05-13
Company: EQUIFAX, 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 sent in multiple FTC reports dating back to XX/XX/2022, police reports, and letters from actual creditors and bankruptcy courts showing that two XXXX XXXX accounts, XXXX XXXX bankruptcy, and XXXX XXXX XXXXankruptcy, and multiple inquiries were a result of fraud. XXXX and Equifax refuse to follow FCRA and delete these fraudulent accounts, as well as bankruptcies from my credit reports. Instead, I received a " verified '' letter after sending documentation from the courthouse and capital one stating they have no records of those accounts using my name and social. I have requested XXXX and Equifax that they send a method of verification within 30 days both failed to respond to the letters. This is beyond frustrating as I am in fact an Identity theft victim. These companies refuse to follow the laws in place to correct this matter. This is my final result before filing a small claim lawsuit for defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: Williams & Fudge, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For whom this may concern, I was contacted by Williams & Fudge ( a debt collection agency ) on XX/XX/XXXX by XXXX XXXX. She stated to me that I owed a university ( XXXX XXXX XXXX ) over {$12000.00} for 1 semester of classes. 

When I disputed the debt, Williams and Fudge sent over proof from XXXX XXXXXXXX. This included a handwritten note in pencil with my account number. However, Williams and Fudge and the University failed to produce any signatures with my hand writing. I was able to pull up this evidence before, and now it wont let me. ( Please contact Williams & Fudge for documentation ) I contacted the school in XX/XX/XXXX, XXXX, and XXXX of XXXX. I left voicemails, and no one returned my call. 

When I called in XXXX, I finally got in touch with the University. They again failed to produce any evidence, and claimed over the phone yes, I can see you attended. When I requested to be shown the information, this was never produced to me. They refused, saying you need to contact Williams and Fudge, on XX/XX/XXXX at XXXX. 

On XX/XX/XXXX at XXXX I was then told this could hurt my credit by Williams and Fudge. I said, its never showed up on my credit report before. Its been reporting since XXXX XXXX, XXXX. When I called back at XXXX they claimed this was false information - directly from Williams and Fudge representative. ( This is also on a recorded line ). 

Mind you, Ive had the same phone number since XXXX. I was NEVER contacted by XXXX  XXXX or Williams and Fudge until XXXX. They purposely let the finance charges lapse until the debt reached over {$10000.00}. They claimed I attended in Fall of XXXX, in which I was living in XXXX Not XXXX. According to the university, the debt is over 4 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Firstsource Business Process Services, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice at a previous address that a credit account was created by XXXX under my name. I contacted them and requested they delete the account as I had not opened it. They refused because it was not under my social security number. I then filed an identity theft report with the ftc ( report reference XXXX ). 

Now I am received a harassing debt collection notice regarding this account that I already told XXXX was not mine.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which IC System is reporting to the credit reporting agency. I am asking for debt valisatin. Tracking number : XXXX Debt Validation : 1.Who was the original creditor on this account, and what was the account number?

2.What was the original amount owed?

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4.What was the original date of delinquency for this account?

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6.What did you pay for this account, and how did you calculate the current amount owed? 

I never received any response regarding my request and they did not update the credit report as disputed. However, they sent me a letter stating that IC System will no longer collect the debt and will return the account to the original creditor but they never did. It's still showing on my latest credit report that they are still collecting on it. 

IC System is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

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 2023-03-07
Company: Experian Information Solutions 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:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX ( Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 2022

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 2020-04-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I tried to purchase a companion animal for my daughter. The website has all the necessary stamps making it appear legit. I proceeded to reach out to the owner and inquire more information. Upon speaking to the opener it all seemed legit at first. I was promised a companion animal same day. With all the required akc documention. I then started to notice a change in behavior. After looking into it more with the help of a police it was a scam. I then requested a refund from the seller directly. They said they would. Once they became aggressive and didnt I went to pay pal directly and inquired on how to get a refund. The seller wanted me to close the case ( which meant to pay pal no dispute could be filed ) I refused to close the case and the seller never gave me my item or refund. Pay pal wont give me my refund for item not received. I went to my bank. Filed a dispute. I called my bank as soon as I noticed it was possible scam to have the transaction stopped. They temporarily issued a refund. I received a email saying they couldnt permanently give me my refund. I called and asked for a explanation and now they are saying because it was a money transfer its not covered. However pay pal never explained it was a money transfer. And I never reached a item. The item was XXXX with a. Fee making it XXXX. I provided. Documention from the seller saying I would get a refund and still cant get help. The scammer also scammed a person I know shortly after me. We all reported this to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 writing to file a formal complaint regarding the incorrect status on my account that has been reported by your institution to the credit bureaus. I have discovered that my credit report shows late payments on my account, which is inaccurate and unjustifiable. To make matters worse, each credit bureau shows a different delinquent status and wrong information. 

I have contacted your institution several times to address this issue, but to my dismay, I have not received any assistance or resolution to this problem. Despite my persistent efforts to seek clarification and have this issue rectified, I am still being disadvantaged by this error. 

I demand to be provided with all the proof of my investigation and the proof of the negative payment status for this account. If the negative information in this account can not be deleted, then it must be corrected immediately to reflect the true status of my account. 

As a responsible borrower, I have always made timely payments and have never missed any payments. Therefore, it is unfair to have my credit score and reputation tarnished by this incorrect information. The incorrect reporting has caused significant stress, anxiety, and financial hardship. I believe this error has negatively impacted my credit score and has disadvantaged me in securing future credit or financial opportunities. 

I am requesting that your institution and these credit bureaus take immediate action to correct this mistake and update the status of my account to reflect the correct information. I also expect written confirmation from your institution and the credit bureaus involved to acknowledge the correction. 

The attachment below shows all three credit bureaus showing wrong and different late payments status. 

I urge you to take this complaint seriously and take immediate action to rectify the situation. I hope to hear from you soon with a resolution to this issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24
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:
these items that are being reported on my credit report do not belong to me i have already submitted a police report because i believe i am a victim of identity theft these listed items are affecting me negatively and making my day to day life hard and moving forward in my life impossible

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 2018-10-23
Company: CHARLES SCHWAB CORPORATION, THE
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I went online to open a Schwab Bank High Yield Investor Checking Account on Wednesday XX/XX/2018, per the advice from the banker I spoke to over the phone. After entering all of the required information, a Terms & Conditions disclosure screen displays. The screen has several section 4-6, with each section requiring lengthy scrolling and acknowledgments of each section, prior to opening a checking account with Charles Schwab. After I opened the account, I was prompted to set-up my online login information ; afterwards I was in my account Dashboard. 

Within 5 minutes of doing this, I received two email alerts from XXXX and XXXX  stating that a hard pull was just performed on my credit report from Charles Schwab Bank. This, in my opinion, was not a truthful or transparent transaction that occurred with this bank. See attachments of online sign-up process, note the lack of disclaimers at multiple consumer touch points. 

Immediately, I reached out to the bank through their " Live Chat '' feature to inquire about what had just occurred. The support banker simply stated that on line 17, or section 17, there was a notice that Charles Schwab bank can, will, and plans to use  the customer 's credit information how they seem fit, and at will, in order to make proper financial decisions. 

I believe Charles Schwab Bank should be held to the same standards as other Bank, Credit Card companies, Loan Products/Companies, and even Instant Loan Companies who offer any sort of credit inquiry products. Currently, these financial  companies clearly and transparently state the affects its/their products will have on the consumer 's credit BEFORE a transaction is started or completed.

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account # XXXX, has violated mv 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 1681 section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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