BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 2023-01-09
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have XXXX issues. I am a veteran XXXX identity theft watch program with the office of personnel management via the XXXX due to a XXXX breach. 

Since fed agencies removed full socials and mostly all partial socials on all paperwork. I called in today and couldn't get an agent. I pushed the options to get checking account info after asking for an agent XXXX My phone is insecure as well as our phone call. Security XXXX  decided to ask for the last half of my social security number via automated bot and not agent like I requested. This is a XXXX failure in privacy. This happened on XX/XX/2023 around XXXX XXXX. I then spoke with an agent to file a complaint as cell phones are not secure lines with data breaches due to trusting all devices. I understand this may cause inconvenience but not XXXX person needs my social but me and my spouse ( husband or wife ). The agent and supervisor in question said I could give other info instead. The automated line did not allow that, instead, it said if I didn't put in my last XXXX that it would hang up and did XXXX. I called XXXX originally. Additionally, the supervisor wanyed to badger me on why i was questioning security when breaches happen daily even to XXXX, XXXX, XXXX, even to state offices. A company that questions why a user has security concerns when their name literally has security in it, is a fallacy on its own.. If I get breached again due to a company I have no choice but to sue for damages. 

My XXXX  issue is I use third party services for management. Before XXXX, plaid was trashed. I complained and was able to use it again. Recently, I can no longer use it. I don't want a security service app like this because I don't trust them with the last interaction when this is an ongoing issue so far especially with the issue noted above. All I want to do is use plaid and to not have my personal information exposed by companies that have poor security practice that can't even match state and fed level already. Fed employees can't even email me directly because I am required to use encryption and their secure messaging and calling. They don't ask for socials anymore period.. you can verify me just like they do..

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 2022-10-08
Company: EQUIFAX, 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:
This is my ANOTHER 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 IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX Balance {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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:
I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there was a CHARGE OFF account on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. I have never with this account listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, DL, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

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 2023-03-10
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023 I received a letter from a Debt Collector agency under the name of Amsher Collection Services Inc. ( XXXX. # XXXX ) trying to collect a debt that I disputed in writing on XX/XX/2023. By that date no report have been made to the main credit bureus agencies until today XX/XX/2023. Amsher Collection Services have been advise in writing that Im disputing this debt withing 30 days they must to obtain a verification of the debt and any attempt to collect any debt without validating it violates the FDCPA and they did it as an act of bad faith reporting inacurrate information due they reported after receining my dispute. Also, I ask for their licensed to collect debts in the State of Florida but as today, i never recived any answer from them.

their client is XXXX  which allegates equipment wasnt returned after I close an account with them. I sent them a copy of the shipping label from XXXX that they printed out for me in their store.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. 

XXXX Date of inquiry : XX/XX/XXXXXXXX  XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : 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 2021-06-21
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal randomly closed my account for without explanting why, other than claiming I violated their Terms of Service, which is absolutely false. Everything was fine until a transaction was sent to me by a life long friend and I received an email from PayPal saying I could no longer use their services. Believe me, I have tried for literal months to get things resolved and they not a single employee ( if I'm lucky enough to get to a real person instead of a support bot ) will not help me with getting it back up and going. I reread the. I was thrilled when I remembered I could file a report on this amazing platform since they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. I don't want to rant my whole overall opinion on how PayPal runs their company, but stuff like this happens on a regular basis and it is absolutely absurd. Almost 90 % of the funds to my name are locked in PayPal, and I don't have time to wait 180 days like they want me to do. There is absolutely no reason that this issue can't be resolved by PayPal support. 

My email linked to my PayPal account is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 they have me as XXXX XXXX XXXX, XXXX XXXX XXXX. 

U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

U.S. Code 1681 section 604 A Section 2 : It also states reporting agency can not furnish a account without my written permission U.S. Code 1681c ( a ) ( 5 ) Section State no consumer reporting agency may make any consumer report containing any any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedate the reporting by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Navient Solutions, LLC.
State: OK
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Went into XXXX XXXX bankruptcy in XXXXXXXX XXXX XXXX, before Bankruptcy was on a rate reduction plan. During Bankruptcy could not get any information from Navent about what to do with loans, was not given a statement or bill for 5 years. During the bankruptcy around {$70000.00} was added to my loans. Interest was put at 12.5 % even though we we enjoying the lowest interest rates in my lifetime. I was miss led by Sallie Mae into thinking that I would be about to consolidate and refinance loans once my son finish college. I tried three years during the end of his time in college, and after was able able to get refinanced into my name only. Was contacted over and over by private student loan lenders, saying how much I could borrow and the start payments after my sons graduation. They loaned me money even thought I was already struggling to pay the bills. they now want me to make payments of {$1900.00} dollars a month. Theres no way I can make payments. I have called 4 times now trying to get them to help in some way. Have been told each time that there is not a payment plan that will help and call back later. The last time was told to wait a month before calling back. I am not a free loader I taught XXXX XXXX for XXXX years and now at XXXX my only option to pay this loans is to die and have my wife use my life insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: General Motors Financial Company, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a XXXX pre-owned XXXX XXXX from this dealership on XX/XX/XXXX. I traded in a XXXX XXXX XXXX XXXX XXXX with equity against the purchase. This was deal : XXXX. I took out a loan from GM Financial for {$18000.00} ( account # : XXXX ) to pay for the XXXX. I took it home and left the XXXX with the dealership. On XX/XX/XXXX we found out that XXXX XXXX XXXX was not going to accept the payoff from XXXX and give them the title to the XXXX. I notified my sales consultant, XXXX XXXX and his XXXX XXXX XXXX. They supposedly had gotten the ok from XXXX XXXX to do this deal, but either they never checked or were given incorrect information. So, I worked it out with XXXX to return the XXXX which I did on XX/XX/XXXX to the dealership and I took back possession of the XXXX. Sales XXXX, XXXX was present for the exchange of cars. XXXX and XXXX both told me that's all we had to do, the deal would be unwound, and, most importantly, XXXX would give GM Financial back their money, and my loan would be canceled. Today is XX/XX/XXXX and the loan is still in full effect, and the first {$310.00} payment is due on XX/XX/XXXX. I have had numerous calls and texts with XXXX who claims this will be fixed, and I won't have to pay on the loan of a car I don't have. But after 3 weeks of time and promises, and I still have the loan and the looming payment. GM Financial says they have no information from the dealership that this loan is to be canceled. I'm unable to get any further with the dealership, so that's why I'm making this complaint. There's no reason I can see or that they can explain to me as to why I can't be relieved of this loan. I just keep getting unfulfilled promises that it will be fixed, and now I'm just being ignored or given incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, 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 ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy. 

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent. 

[ XXXX5U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I don't know who the original creditors are not these companies that are reporting on my credit. I've reached out several times and they still will not remove these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NC
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, 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 noticed a credit inquiry from XXXX XXXX on my report in XX/XX/XXXX. I called XXXX and after long holds and multiple calls, they confirmed a fradulent account was opened in my name and that they will escalate and remove the inquiry. 
The inquiry was still there in XX/XX/XXXX. I filed a dispute with XXXX - Confirmation Number : XXXX - they closed the dispute in less than 2 business days and said I need to resolve with XXXX. I did a conference call with XXXX and Equifax where XXXX said that the first credit inquiry removal was 'not done properly ' and they would submit again and it will be gone in 30 days or less. Equifax was on the line but said although the removal request was sent electronically, they could not confirm receipt. This conference call was on XX/XX/XXXX. The inquiry is still on my report as of XX/XX/XXXX so I submitted another Equifax inquiry -Confirmation Number : XXXX. They again closed on XX/XX/XXXX and said XXXX has to remove the inquiry. I am fed up with this and can not spend another hour on the phone trying to get XXXX and Equifax to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
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:
Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.

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 2021-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: OK
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 Sent Equifax all the required documentation pursuant15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
They have mailed me back XX/XX/XXXX and Stated They are not blocking information pursuant to section 605 of the FCRA, attached is the full publication of that section which is Statue 15 USC 1681c-2 ( c ) in the original Dispute I wrote a statment '' There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. " That statment Alone take away any chance for any A ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Company response to consumer: Closed with explanation