BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting 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:
I found inquiries that dont belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
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: Their investigation did not fix an error on your report

Complaint:
Dear Recipient : I am writing to ask for assistance in a matter in which XXXX ( regarding a collection from XXXX XXXX ) Has refused to properly communicate with me, ignored written request for documentation and in clear violation of the law has reported inaccurate information to my credit file. I have enclosed several copies of letters that I have written to try to resolve this problem. I have also forwarded all the information which I sent you to the credit bureau proving the debt is not mine and asked the credit bureau ( XXXX ) and XXXX to Validate the debt by SS #, DOB, and a copy of a written contract or electronic contract bearing my signature and all refuse to do this or provide competent evidence which shows ownership of this acct. 
I am Asking that the CFPB intervene as they have made no attempt to provide the documents I have asked for in numerous written attempts. They also failed to provide me with a written Method Of investigation, showing how the company and credit bureau came to its decision. I have placed a formal written complaint with the XXXX, FTC and the CFPB. If the acct. in question is in fact mine the documents, I have asked for should be readily available and the bureau ( XXXX ) and XXXX should have no problem producing these documents. They can not provide them because the account in question is not mine, and I did not open the account or sign into any agreement with XXXX for this acct. Please understand I am asking for Validation of the ownership of the account ( proof ) not verification of my name and address which is public information and can easily be found on the internet. The only resolution to this matter is that XXXX XXXX and XXXX remove the account from my credit file. No other outcome will be acceptable. I have disputed the account with The bureau and no acceptable outcome has been reached. 
The credit bureau is in clear violation of the law, both the FCRA and The Fair Debt Collection Practices act. I have provided numerous documents which show competent evidence on my behalf, and I am now demanding action be taken to correct this matter as it has now cost me the ability to buy a home using my VA home loan, as I am a XXXX Vet. I ask that a complete and thorough investigation be done in respect to the violations of federal and local law by the credit agencies and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2023, my brother who was visiting wanted to go see a XXXX XXXX game so we went to what we thought was a trusted source, XXXX XXXX ; where we came across XXXX XXXX. This person was selling electronic tickets that were in his possession and would have been transferred to us once payment was received. We negotiated a price for the tickets and exchanged Venmo information for the transaction. 
I sent the money through my Venmo account and should have received the electronic tickets through email within 10 minutes of completing the Venmo transaction. After another 15 minutes and still not receiving the electronic tickets, my brother went back to the XXXX page of XXXX XXXX and the profile was no longer available ( deleted ). After realizing I may have been scammed, I immediately contacted my bank and put a stop order to Venmo. 
I was later contacted via email by Venmo stating the payment to XXXX XXXX was not completed. A few days later I received another email via Venmo for the same transaction with a different name associated. I immediately called them to explain this situation was a scam and that i authorized a payment to XXXX XXXX although they paid XXXX XXXX. I was never notified by Venmo that the sender 's name was changed and now don't understand why I am being forced to complete this fraudulant transfer to someone else. 
On XX/XX/2023, a friend of mine sent me a Venmo for {$12.00} which Venmo then used towards the scam, that they are holding me responsible for, since I stopped the payment to them from my bank without my permission. 
Today, XX/XX/XXXX, my aunt mistakenly sent me {$25.00} for my birthday to the Venmo account. Yet again, without my permission applied that money towards the outstanding balance from the fraudulent transaction. 
I have supporting documentation and screen shots from each interaction. I also contacted Venmo via the customer service line to inform them on the situation on several occasions. On my last phone call, the person I was talking to ended it with " if you think you have a case, sue us ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: EQUIFAX, INC.
State: AL
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:
Violation of 15 U.S. Code ss.1681 ( a ) ( 4 ) - Consumer 's right to privacy. Notice that in certainty, I, the affiant, am a consumer and have the right to privacy under section 1682 ( a ) ( 4 ) of the United States Code. By disclosing private information about me without obtaining my written consent or any valid legal authority, XXXX XXXX has breached my right to privacy. 


account was last reported on XX/XX/2021 with a balance amount of {$3400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXXXXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$910.00} XX/XX/XXXXXXXX  DEPT OF EDUCATION XXXX {$0.00} 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 2020-11-10
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are working with Amerisave attempting to refinance our house. Currently, they are unresponsive, and refuse to return phone calls. They currently have {$500.00} of our money, and we are unable to get clarification on what documentation they still need. I can provide all of our communications, screenshots, and phone logs if needed. This company is unable to close or refinance a majority of their customers, are are relying on customers to default on their {$500.00} fee.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XX/XX/XXXX I submitted a complaint to the CFPB in regards to an account listed as XXXX XXXXXXXX XXXX XXXX upon completion of this investigation XX/XX/XXXX it was determined that this account would be removed permanently due to Identity Theft. XX/XX/XXXX I submitted a dispute to TRANSUNION to remove the SAME account listed as XXXX XX/XX/XXXX the dispute had been completed and reflected as NOT CHANGED. This negligence accurately shows me that a complete comprehensive investigation had not been conducted on my behalf! 

The failure to further and fully investigate the matter is outrageous! A comprehensive investigation would reveal I did not apply for any credit would underscore your failure to conduct a thorough inquiry into the matter. 
A violation of 15 USC 1611 has occurred, indicating a breach under the Fair Debt Collection Practices Act ( FDCPA ) with criminal liability for willful and knowing violations. 

Section 1692K of the FDCPA imposes civil liability for violations, emphasizing the importance of fair debt collection practices. Additionally, Section 1681 highlights the significance of accurate credit reporting in maintaining the efficiency of the banking system, while Section 812 prohibits the creation of false beliefs regarding debt collection involvement. For violations such as failure to validate a debt and continued reporting to credit bureaus, the Consumer Protection under the FDCPA affords potential fines as follows : *FDCPA Section 809 ( b ) and FTC opinion letter Case from XXXX : Fine of {$1000.00}. 

*Defamation, financial injury- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts. 

* Defamation, willful injury - FCRA Section XXXX XXXX XXXX TRANSUNION XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX XXXX. XXXX ) : Fine of {$5000.00} or the extent of damages incurred by the wronged party as determined by the courts.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau 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 supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I sent XXXX XXXX a letter on XX/XX/, that I exercised my right to opt out yet the financial bureaus ; XXXX, Transunion, and XXXX continue to record XXXX XXXX on my credit report. My option to opt out follows 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.

( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

Additionally, according to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ''

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 2018-12-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint with Experian in regards to inaccurate credit reporting. I sent in a total of 4 letters in all in regards to reporting inaccuracies on my report. In the first letter, sent on XX/XX/2018, verifiable proof was asked in regards to the account issue at hand. The results came back verified and updated. As I read through the results, only one of the two items was updated. But the last remaining item was neither updated nor verified to my specifications. I disputed the accuracy of their results in a second letter, sent on XX/XX/2018 asking for verifiable proof and documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Once again, when the results came back, they were labeled verified and updated, which again after reading the results mean that nothing was updated on my report nor verified to my specifications. Experian gave me no information on how they verified their information or the process they used to do so. I was given the round-a-bout answer which meant that again nothing was done. A third and fourth letter was sent to Experian on XX/XX/2018 & XX/XX/2018 respectively, to once again dispute the results. In letter 3, I indicated that Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) in letter 3. Finally in letter 4 to describe the procedure that Experian completed to verify the results. After letters 3 and 4 were sent, Experian stated that they REFUSED TO INVESTIGATE FURTHER. Experian still has not provided any information on how they verified their results and have directly violated the Fair Credit Reporting Act by actively refusing to investigate my matter and do their due diligence by investigating fully, thoroughly and accurately.

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 2023-08-18
Company: EQUIFAX, INC.
State: AL
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:
Unauthorized Inquiries As the affiant is aware, it is a fact that these inquiries were conducted without my permission/consent. There was no legal reason for doing so, which is against 15 U.S. Code 161b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

Inquiries are as follows : XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; EQUIFAX INC. XXXX XXXX XXXX XXXX XXXX GA XXXX phone XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone XXXX 15 U.S. Code 1681n ( 1 ) ( A ) : Unauthorized Inquiries hold civil liabilities hold up to the amount of {$1000.00} or the actual damage as the cause of this failure, whatever is greater.It is a fact, I, the affiant, is aware these unauthorized inquiries which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} per inquiry as the listed companies above are in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: AZ
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:
The home located at XXXX XXXX  XXXX XXXX XXXX AZ XXXX, was sold on XX/XX/2021 and the loan balance was paid in full to the mortgage originator XXXX XXXX ( Acct # XXXX ). Deed of release and reconveyance and paid in full letter attached. 

Somehow, the mortgage got transferred to XXXX XXXX  after the sale of the home and XXXX XXXX  has been reporting this account as delinquent ( 120 days past due ). I filed a credit review request with XXXX XXXX  and they sent me the attached letter saying that they can not update my credit report. I have contacted XXXX and they say that XXXX XXXX  has to report the correction even though I have submitted the documentation showing account closure. 

The mortgage was a joint account ( XXXX XXXX XXXX XXXX XXXX ). XXXX removed the account my ( XXXX XXXX ) credit report, but has not removed it from my wife 's ( XXXX XXXX ) credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: Resurgent Capital Services L.P.
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:
I have a credit monitoring alert with the wrong information that does not belong to me. 
Creditor type states ( Bulk purchase finance ). 
I do not recognize this nor have I made any purchases with LVNV funding llc. Please have this removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX sent letters indicating loan in forbearance and current to all 3 credit agencies yet each one still shows my accounts delinquent.

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