BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-23
Company: EQUIFAX, INC.
State: MO
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:
Deleting A Negative Credit Card From My Consumer Report FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello gd afternoon I am contacting you because I have tired to tell trans Union and XXXX that the information on my credit file is incorrect and is fraud they have yet to remove items I been trying for over 1 year XX/XX/2021 someone tired to use my name 5 times all in one day I never gave no one authorization to use my name or personal information can someone please help 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 non-monetary relief
Consumer complaint received 2018-09-05
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: Public record information inaccurate

Complaint:
Disputed inaccurate bankruptcy information and XXXX refused to dispute information through contacting the court house. I would like this inaccurate information deleted. 
Thanks

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 2023-08-16
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: Credit inquiries on your report that you don't recognize

Complaint:
In XX/XX/XXXX I started reviewing my credit reports from the following bureaus XXXX, XXXX, and Experian. As I began going through my report I notice a good amount of discrepancies on my credit report. As I began to get some of the items corrected and removed from my report, I notice that some inquiries were made that I did not authorized. These unauthorized inquiries are causing my credit score to be affected. 

The inquiries that I am referring to are XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mortgage. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( 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 2023-01-08
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: Credit inquiries on your report that you don't recognize

Complaint:
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 Equifax stated that they verified these inquiries and did not send proof on how they verified these UNAUTHORIZED inquiries nor sent documents showing I gave permission to authorized nor my signature. I need these inquiries deleted asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30
Company: Receivables Outsourcing, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Receivables Outsourcing is calling from XXXX and leaving messages for a personal friend. ( Most recent call XX/XX/2018. ) He does not and has never lived at our address. This is not a coincidence, but a deliberate tactic to embarrass him into paying a fee or debt. I have no idea whether he owes something or not but I have no intention of raising the subject. It is neither legal nor ethical for them to call us. My privacy was probably breached for this company to obtain my phone number to make these harassing calls. As a retired bureaucrat, I would much rather let them experience my wrath than involve a dear friend. Please ask them to stop. 

If you need the recording the company is leaving, let me know. My husband and I are retired and are happy to talk with your staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Bridgecrest Acceptance Corporation
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:
XXXX has yet again allowed unauthorized activity on my report. Remarks and fraudulent information have been added to my credit report. 

These continued activities being allowed by bridgecrest need to stop immediately. 

The account needs to be updated to what is accurate and my score must be returned to what it was before theyve allowed this fraudulent activity. 

I just spent the last hour and a half trying to get someone on the phone to speak about this matter. 

XXXX representatives, if this isnt resolved I will be seeking legal counsel and taking a public civil action against you. 

I demand this be resolved in under 30 days or I will move to the next step. The continued ignoring and immediately closing these investigations is illegal and unacceptable.

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 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My account with XXXX XXXX XXXX has already been settled. The car was totaled in an accident on XX/XX/ and it was paid for by XXXX XXXX XXXX XXXX. The difference was covered by XXXX XXXX XXXX on XX/XX/. However there remains a balance in my credit report that I would like the credit bureaus to report as paid in full. I have attached a copy of my GAP coverage to prove that the balance was covered in full. Please have this information updated on my credit report according to FCRA guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/XXXX, I asked Wells Fargo Bank to look at re-structuring my mortgage loan. I had enough equity in the house to pay the balance and wanted to access said equity to pay off my loan. ( I have been XXXX   XXXX since XXXX. ) The very first time I was ever late on any loan payment. 
The Wells Fargo would say they would send me a form and I wouldn't get it.. They played games with due dates of documentation, etc ... .They would change principal points of contact so that no one ever seemed to know why I was asking for help. 
I finally decided that I would not physically be able to maintain the property, and Wells Fargo was stretching me out. I sold the property in XXXX of XXXX and we closed, paid off Wells Fargo on XXXX XXXX. Wells Fargo is reporting that they started foreclosure proceedings on XX/XX/XXXX. I had already moved out. I never received anything from Wells Fargo saying they would/would not restructure my loan. I never received anything from Wells Fargo saying they wanted to foreclose. They are negatively reporting credit information, preventing me from buying a new property.

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 2023-08-16
Company: Experian Information Solutions 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'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 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 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been calling to settle the debt. When I ask to settle the give me XXXX off. I say no .. give them a figure. They pretend to put me on hold .. come back with not the figure I asked. 
I owe XXXX and I asked for XXXX and I would pay it off. 
Its all pretend. They get a kick back on the collection .. why not give me a opportunity to settle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Experian Information Solutions Inc.
State: CT
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:
My account with XXXX XXXX is being reported as late and paid in full. This account was never paid late as the car was totaled in a car accident on XX/XX/2022. This account was settled by XXXX XXXX XXXX for the total amount owed as a result of the car being totaled in the car accident on XX/XX/2022. The total amount paid to XXXX XXXX is {$26000.00} to the Total Loss Department XXXX ext. XXXX or XXXX at XXXX The date of the total loss is XX/XX/2022 which is when the insurance company XXXX XXXX became responsible for the payment. Please remove the reported late payments on my credit report subsequent to 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 non-monetary relief
Consumer complaint received 2019-08-04
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor is XXXX XXXX. I open up my account with them on XX/XX/XXXX paying first bill in advance. By the time I receive the next bill I had canceled my acct with them and went to another provider. They sent out my last bill owing XXXX dollars. This was at the beginning of XXXX. The credit bureau is reporting a debt from XX/XX/XXXX for XXXX dollars and charged off. This account shouldnt be charged off. This acct only had a XXXX balance. And its not that old. Plus, the debt collectors never sent me out notice or gave me a chance to pay before putting it on my credit as a charge-off it just doesnt seem fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Paypal Holdings, Inc
State: OH
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 deposited XXXX into my bank account from a sports bet wager i had won. On XX/XX/XXXX, i got a notification on PayPal. My winnings were being refunded back to XXXX. Three months after i had already won the wager. After i seen that madness i attempted to call PayPal to cancel it. They told me it was pending so i couldnt cancel it until it was done pending. They also said it takes 3-7 business days for a pending payment to clear, so i waited. I called PayPal back to try to cancel it when it was cleared and now they said that the refund was already sent and i would have to either contact my bank or XXXX to get the money back. I contacted my bank and XXXX. My bank said since it was a refund with PayPal they couldnt dispute it and XXXX told me that they didnt receive the funds back at all and to contact PayPal for better assistance. So I tried and they said theyll let me talk to the Paypal supervisor for more help and left me on hold for about 40 minutes and hung up. Keep in mind its been 3 weeks i still have bills and Im not rich so my bank account is overdrawn now because of the XXXX and my bank took XXXX more dollars for overdrawing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: IL
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:
U.S.C. 1681b section 2 - XXXX XXXXXXXX Bankruptcy # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights -15 U.S.C. 1681 section 602A States i have the right to privacy. 15 U.S.C. section 604A section 2. it states a consumer reporting agency can not furnish a account without my written instructions- 15 U.S.C. 1692c without the prior consent of the consumer giving directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: D&A Services, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Someone from XXXX keeps contacting my employer and asking for me by full name, making threats, being rude and scary, insulting me to my coworkers and telling them I owe money, in general being disrespectful to people in the office- and they're calling on a toll free number so my employer is paying for the harassment. No attempts were made to reach me directly before they started doing this and it keeps happening despite the supervisors telling them to stop calling. 

I have no idea who these people are, they would not identify themselves when I called to ask them unless I provided confidential information such as my social security number, which of course I would not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-04-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have been contacted numerous times within the past 2 years by XXXX XXXX XXXX stating to be the XXXX Sheriffs Office threatening to serve me documents at my place of employment. I have asked several times to verify the debt because it is not mine. They refused to do so and continue to threaten and harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Deleting A Negative Credit Card From My Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX Trans Union LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, 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 2023-08-16
Company: Experian Information Solutions Inc.
State: MA
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 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 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 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 XXXXN 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 an 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 explanation