BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I received a copy of my credit report and am disputing Several addresses some which I have not resided at, and I was also a victim of fraud. I am requesting these addresses be deleted. I have highlighted these addresses and I am disputing these items. I have attached the police and fraud report. The reasons why these items should be deleted are inaccurate information due to fraud, my identity has been compromised. Please remove the following : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXXXXXX XXXX XXXX, OH 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 2022-04-25
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: Information belongs to someone else

Complaint:
The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX, then Marketing Director of XXXX XXXX, advised me that he could have my book, XXXX XXXX XXXX XXXX, just published by XXXX, republished outside of the US and distributed to foreign countries, He told me not to tell XXXX. On XX/XX/XXXX, XXXX guided me through the process of using my XXXX credit card ending in XXXX ( now defunct ) to set up a PayPal transfer to XXXX XXXX XXXX for {$5000.00} to cover the cost of printing 1,000 books outside of the US. Then on XX/XX/XXXX XXXX directed me to make 2 payments via PayPal to XXXX for the printing of an additional 1000 books, in the amounts of {$5000.00}. and {$1200.00}. The next day, he instructed me to pay {$300.00} to cover the cost of shipping those books via PayPal to XXXX. I have no evidence whether those books were printed or distributed. Efforts to gain information from XXXX   XXXX XXXX led no where. If they were not published or distributed, I want PayPal to return the {$11000.00}. 

A few weeks later, XXXX XXXX told XXXX and me that he thought he could arrange for me to make a personal appearance on the XXXX XXXX show on XXXX. We greeted that news enthusiastically. On XX/XX/XXXX, XXXX told me that the cost for that appearance would be {$30000.00}. to be paid in three {$10000.00}. installments. I assumed that XXXX was aware of this but I didn't consult with them about it. XXXX instructed me to set up a second PayPal account, using the same XXXX Credit card and then he guided me through the process of arranging for the Transfer of {$10000.00} from that Credit Card through PayPal to XXXX. 

A third scheme was proposed by XXXX XXXX. He wanted to place a full page ad in the XXXX XXXX XXXX for the book, XXXX XXXX XXXX XXXX. When I said the full page ad exceeded the money I had available, he proposed a half page ad for {$10000.00}. When I agreed on XX/XX/XXXX, he walked me through the process of charging {$10000.00}. to my XXXX Credit Card to pay XXXX through PayPal. 

On XX/XX/XXXX, XXXX XXXX said he had secured two possible dates for the XXXX XXXX XXXX and that another payment of {$10000.00} was necessary to secure them. Again, he walked me through the process of charging {$10000.00}. from my XXXX Credit card account to XXXX via PayPal. 

on XX/XX/XXXX XXXX requested another {$1500.00} and assisted me in the transfer via PayPal to XXXX. 

Finally, in XX/XX/XXXX, when XXXX XXXX sought to extract more money from me, I contacted XXXX and charged him with extortion, fraud and misrepresentation. I spoke with XXXX XXXX and her manager, XXXX XXXX. They told me to fill fraud charges with XXXX and to contact PayPal. XXXX initially accepted the XXXX charges and then rescinded their decision since I was a party to the payments. They were uninterested in the fact that I was defrauded and misled. 

I filed a complaint with PayPal but they only had the last several charges listed and nothing happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, My credit report stated I had an collection from ( XXXX XXXX ACCOUNT # XXXX listed multiple times on my credit report. on XX/XX/XXXX, I Disputed this collection with XXXX XXXX XXXX XXXX requesting proof that this debt collector own this debt and has the legal authority to collect it or delete this account. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX & XXXX and reported " Meets FCRA requirements '' on a separate account. ( violations : balance on account charged off, proof of debt with wet signature. ) XX/XX/XXXX, I Disputed this collection again with XXXX XXXX XXXX XXXX XX/XX/XXXX. Debtor removed collection account from XXXX only. Debt collector reported " I requested to be removed on all bureau. Debtor failed Request. Debtor reported " Meets FCRA requirements '' ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. ) violations : balance on account charged off, proof of debt with wet signature, payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) XX/XX/XXXX, I Disputed this collection with twice XXXX  and XXXX. 

XX/XX/XXXX, Debtor updated account to " consumer disputed '' on XXXX. and reported " Meets FCRA requirements '' On XXXX  as of XX/XX/XXXX. ( violations : balance on account charged off, proof of debt with wet signature, illegally re-aged date last active to XX/XX/XXXX on XXXX  as of XX/XX/XXXX. payment status as late on a collection account on XXXX  as of XX/XX/XXXX ) I Disputed this collection with three times XXXX and XXXX. 

XX/XX/XXXX, Debtor has not responded to my request or updated my account. This Debtor and XXXX 's has failed to do a proper investigation. this account is clearly in multiple violations and did not remove this account nor sent me proof of debt and the legal right to obtain this debt with my wet signature. I demand for this debtor to remove this account immediately I DEMAND THIS ACCOUNT BE REMOVE ENTIRELY FROM MY CREDIT REPORT. THIS DEBTOR REPORTED THE COLLECTION multiple TIMES ON MY ACCOUNT. TWO ACCOUNTS ON MY CREDIT REPORT HAS THE SAME ACCOUNT NUMBER AND OPEN BALANCE. DO NOT UPDATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-18
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
Purchased a {$300.00} gift card on the night of XX/XX/XXXX, the next day, all the funds were gone and they said a purchase was done for it for a name I can not recall that contained the word card in it. The card never left my kitchen counter and was never even opened to reveal the card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was in the process of applying for Insurance and it was brought to my attention that there is some inaccurate, incomplete and unverifiable information reporting on my credit report. 

I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to block. 

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. 

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. 

I have provided documents that can prove it. By the way I hope that this does not hinder my ability to obtain Insurance due to this inaccurate information reporting. 

I was advised by a legal friend of mine that under

15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to
the correct amount, date, status, open and closed date, last date of activity and time.If you can not complete this request, please delete the accounts immediately. 

I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate every piece of information and remove these items below from my credit report. 

Accounts there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Delete this account. 

The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2021 Delete this account. 

The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL 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 2023-06-29
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: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reviewed my credit report on XXXX at Transunion and seen I have a fraudulent collections account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX and Transunion. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the XXXX XXXX XXXX guidelines of what constitutes proper debt validation. In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XX/XX/1996, XXXX days after the date of Brennans debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a XXXX  % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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, Account : XXXX from XXXX XXXX XXXX has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Hello there, i believe i am the victim of identity theft. My ssn was used in numerious inquiries that i never authorized. Please help me to remove the inquiries and protect my identity.

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 2020-07-09
Company: Experian Information Solutions 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:
experian reporting XXXX  XXXX as potentially negative but nothing wrong XXXX XXXX ftc XXXX  XXXX  ftc violations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Interest rates are rising helping banks earn more yet the seniors who have their money in their checking and savings accounts are not gaining much interest as the rate at most banks is .01 % interest being paid out. I think it's time that the seniors get what owed them by a higher interest rate on their money in savings and checking accounts. Thank You. 
XXXX XXXX Banking at 5/3 bank in TN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: Experian Information Solutions Inc.
State: IL
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:
There is a person by the name of XXXX using my credit report. I receive emails with his name attached to my report. I called all 3 bureaus and nothing was done. I reported that there was identity theft and I received an email regarding identity theft tied to my name and email account. The report comes from Experian.

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 2019-04-08
Company: Bread Financial Holdings, Inc.
State: WI
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:
On XX/XX/2018 ; I opted out of having my credit reports shared. XXXX XXXX has lower my credit limit significantly on my XXXX account, XXXX XXXX  account, XXXX XXXX account and XXXX XXXX  account using a credit score more than 60 days old. XXXX continues to violate my privacy by providing inaccurate credit reporting and outdated credit scores. XXXX reporting scores are nearly 100 points less than XXXX and XXXX. This is affecting my ability to obtain credit with companies that use XXXX for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I coordinated a group trip and purchased ( XXXX rooms ) an all-inclusive vacation through XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a travel agency in the United States contracted to book as a representative of the XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX. The dates of stay were XXXX XX/XX/23. My package included unlimited food & drink/ premium alcohol and numerous hotel amenities as a Delux Privilege guest, which I did not receive. XXXX  XXXX XXXX stopped all communication on XX/XX/23. Therefore, I refuted the cost with my credit company and was denied credit without explaining the services rendered. 

My complaint is to have the charge versed for an upcharge of non-existent privilege amenities, sewerage back-up and smell, lack of a/c, no room service, and non-use of the room due to the weather conditions. Additionally, I was relocated after 5 days of complaining to another room, which flooded twice, had drain flies and an ant infestation. 
The agent language provided after I paid does not absolve the merchant from delivering a paid service and keeping funds.

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 2023-02-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent two letters for validation to LVNV Funding LLC on an account posted to my credit report. First letter sent XX/XX/XXXX with NO validation. Second letter sent on XX/XX/XXXX again NO response with validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
The following accounts were opened without my consent or knowledge and are a case of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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