BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-21
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 discovered that there is incorrect account on my credit report when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reported account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 not late on this account. I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please update.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to my research about FCRA 605, 3 credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit 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 CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$400.00} ; XXXX XX/XX/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 2022-11-29
Company: EQUIFAX, INC.
State: VA
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, accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right of 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX  XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXXXXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXXXXXX XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : {$6900.00}.

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 2022-11-29
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Consumer reporting agencies are reporting inaccurate address information on my consumer file. I've mailed in dispute letters. I'm not sure why their employees always mentioned to contact the creditor as if I the consumer control what information the creditor reports. FCRA gives me the right to dispute directly with the consumer reporting agencies by federal law to make sure the information is fair & accurate. My address should only show " XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX '' as it is correctly accurate. 

Delete XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX from my consumer report as it is inaccurate information reporting. You are all in violation FCRA under 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a debt medical collection on my credit report now from XXXX had a car accident in XXXX  and we never recieved bill of this amount. My lawyer paid every single bill I had. I did not recieved any bill of this amont ever and I called the collection to send me detailed bill, they never sent me. My lawyer paid of around {$37.00} other medical bills.

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 2022-11-29
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:
This is my several 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 an alleged fraud or extortion. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXX XXXX  GA XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Duncan Solutions, lnc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting automated voice calls from Professional Account Management LLC the phone number they keep calling me from is XXXX I can not get ahold of them to tell them to stop calling and I feel like im being harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: WELLS FARGO & COMPANY
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:
On XXXX XXXX, XXXXXX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XXXX XXXX XXXX, WELLS FARGO BANK NA add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XX/XX/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 2020-08-25
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My Name is Mr., XXXX XXXX, My Grievance /dispute : American Express Gold Card , card # XXXX, I've continued to make payments during this difficult pandemic {$4000.00} during COVID 19 despite this financial hardships we're currently under, moreover my business has been severely impacted by COVID 19 ; California Governor as instituted stay at home orders, close business and cause a tremendous slow down on my accounts receivables, I've been personally impacted by COVID 19, travel, and health care difficulties, moreover American Express is ignoring the United States Congress Cares Act, they have tried to force me to take a program that has ( unacceptable terms ), ( program is one size fits all ), I've requested more time to meet my payment balance and obligation 's they've instituted an pushed a no-nonsense aggressive collection practices and ( demanded payment in full ), in addition, this is a business Credit Card issued to XXXX XXXX , they have reported a negative trade line on my personal credit file for this card. ; i have reach out to upper management, with no success. 

I have a personal Everyday Amex Card with a XXXX balance, part of the program offered is that, they'd close my personal account if i sign on, to this ... .its a unacceptable plan,, I've worked extremely hard to build and maintain my credit, they've chosen to ruin it in a flash ; in concluding this is Force Majeure to no fault of the card holders on doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have called and written to Capitol One more than once over a period of time asking them to cease mailing applications for unsolicited and preapproved credit cards to my home or in my name. I last called XXXX, spoke with and advised the customer service rep ( XXXX ) on XX/XX/2018 @ XXXX to please remove me from all future mailings or I would look into an Unsolicited Mail Fee in the amount of {$250.00}. I informed her that the name XXXX XXXX XXXX was not associated with this address and provided the control number ( XXXX ) from the application. She advised it would take a few weeks. Prior to this I attempted to mail a XXXX XXXX letter along with the application requesting to be remove but after much research could not find a mailing address. As of XX/XX/2018, I continue to receive these applications and have no other recourse but to contact your office for assistance with this matter. Thank you in advance for helping reach a resolution to stop this unsolicited credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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:
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 XXXX XXXX XXXX. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 2021-11-04
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
i have reached out to all 3 credit bureaus 10 times each so that they can investigate the 100 % accuracy of the reporting of the account in question ( XXXX XXXX XXXX XXXX XXXX ) ... .each time it comes back verified ... ..How can they say that this is verified if the reporting doesn't even match all the way across all 3 bureaus as is required by law? They are not in compliance ... .they are not investigating the reporting ... .i have attached a copy of the 3 bureau report so that you can see the discrepancies in the reporting XXXX is reporting a balance of {$13000.00}, Experian is reporting {$13000.00}, and XXXX {$13000.00} XXXX is reporting a past due of {$13000.00} Experian is reporting {$13000.00}, and XXXX {$13000.00} XXXX is reporting a high credit of {$9800.00} Experian is reporting {$9800.00}, and XXXX {$7000.00} Also take a look at the inconsistant reporting in the 2 year payment history and thats just to name a few violations ...... 

This was a " charged off '' account that was sold to a collection agency and is still reporting a balance that is a violation This was a " charged off '' account that was sold to a collection agency and is still reporting a past due that is a violation

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 2023-10-13
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Subject : PayPal Account Limitation Appeal Dear PayPal Support Team, I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account associated with the email address XXXX. 

Firstly, I would like to emphasize that I firmly believe this limitation was imposed in error. To the best of my knowledge and understanding, I have not violated any PayPal policies or engaged in any activities that warrant such a severe action. My account has always been used in a responsible and lawful manner. 

I kindly request that PayPal undertake a thorough review of my case. I understand the importance of upholding the integrity of the PayPal platform, and I respect your commitment to ensuring the security of all users. However, I believe that an erroneous decision has been made in my case, and I would greatly appreciate it if you could re-investigate the matter with utmost care. 

My PayPal account has been a valuable tool for managing my financial transactions, and its continued accessibility is of great importance to me. I kindly ask that, if upon review, it is determined that no violations have occurred, my account be reinstated promptly. This will enable me to continue utilizing PayPal 's services for my personal and business needs. 

I want to assure you that I take the use of PayPal very seriously and would never engage in any activities that could jeopardize my account status or the trust of the PayPal community. 

I sincerely hope that this issue can be resolved amicably and promptly. Please let me know if there are any specific steps or information required from my end to assist in this process. 

Thank you for your attention to this matter. I look forward to a swift and fair resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Truist Bank closed my credit cards without any explanation whatsoever. I was approved for XXXX different credit products from them. I went to the branch and showed my ID because I applied online and they had a block on the account until I provided my ID. The block was released and I was able to use my cards. A month later, I was not able to use any of my cards at all. I kept calling customer service and they kept telling me a special department was handling it and they were evaluating the relationship between Truist and myself. They also said I would receive a decision/letter on the status and I havent received anything. This was 4 months ago. I feel like Truist has discriminated against me because of my gender and race. This type of behavior is unacceptable! 
The account in question are XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX I was even discriminated against when I opened a business account, I was approved for a line of credit and then out of no where, it was closed. This is after I signed paperwork and it was funded to my 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
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation