BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
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:
I am writing to address the issue of inaccurate account reporting on my consumer report. I would like to draw your attention to the fact that I never provided written consent for the inclusion of these accounts in my report. Consequently, I believe that my rights under 15 USC 1681b have been violated. This particular violation pertains to the safeguarding of consumer information and the necessity of obtaining consent before reporting it. 

I have already filed a complaint with the Federal Trade Commission ( FTC ) and have been assigned a reference XXXX. Furthermore, I have made numerous attempts to request the removal of these items from my report, only to receive unsolicited documents from the creditor. My grievance is specifically aimed at the credit reporting agencies, namely XXXX, Equifax, and XXXX. It is your responsibility to ensure accurate and compliant reporting. 

In accordance with 15 USC 1681c-2, consumer reporting agencies are mandated to promptly block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft. Therefore, I kindly request that you fulfill this legal obligation and expeditiously eliminate the following accounts from my consumer report : Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: Block, Inc.
State: HI
Product: Credit card or prepaid 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:
My XXXX  Wireless Service Was Erroneously Cancelled For Fraud XX/XX/XXXX By XXXX Per The National Verifier I Was Told To Call By A XXXX Representative To Get The Details About My ID Being Flagged As Fraudulent. The Agents aT The XXXX XXXX XXXX FTC Told Me To Request My {$60.00} Refund For Service Paid On XX/XX/XXXX Which Was Cancelled Less Than 48Hours Before My Service Was Unjustifiably Disconnected For Fraud : Acct. # XXXX XXXX I.D . XXXX XXXX  XXXX XXXX  Has Also Made Contact w/1 OF Their Live Agents Very Difficult Once My Service Was Unfairly Cancelled After Paying {$60.00} For Unlimited Service. 

CashApp Has Refused To Give Me A Refund After 3+ Requests Since XX/XX/XXXX & Sent A Transaction Report XX/XX/XXXX Attached As Their Justification For Not Issuing My Refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There was a account opened up 23 years ago in maine with my solcial sercurity number XXXX. The account was called XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX in maine hidden from my credit report by all major credit companies that took money to cover the account up. well this account texas XXXX drained it. Her name is XXXX. XXXX XXXX drained XXXX accounts every month that fill up with money from XXXX XXXX these accounts at XXXX XXXX XXXX XXXX in iowa on XXXX XXXX XXXX XXXX opened up 23 years ago. they are both fraulent accounts cause they which im sure it was the fbi opened them. the money in these accounts are from mostly from my XXXX XXXX XXXX XXXX XXXX  i need some one to investagate these accounts and who drained them. thank you 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 explanation
Consumer complaint received 2023-10-01
Company: I.C. System, 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 the following accounts : XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account numbers : XXXX and XXXX has violated my rights. 
15USC 1681-602A states I have the right to privacy.

15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
The company I am filing the report against is PAYPAL. 

1 ) My friend delivered a baby in XX/XX/2020. 
2 ) I used PAYPAL to transfer money on XX/XX/2020 to my friend on this occasion. 
3 ) PAYPAL put that transaction as pending. PAYPAL withdraw the funds from my bank account and refuses to pay it to my friend until i submit the required documentation. 
4 ) Their required documentation is to upload child 's birth certificate in order to release the funds that they have already withdrawn from my bank account. 

Why would anybody upload a friends child 's birth certificate to be able to give gift funds? 

5 ) i requested them to cancel the transaction.

6 ) they continue to ignore my request and ask me to upload the child 's birth certificate in order to do anything with the funds they are keeping. 

Not sure how many such incidents have occurred and how much money PAYPAL is holding from people and making money on our money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: PA
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX  Balance : {$870.00}

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 2021-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple accounts on my credit report that I do not recognize

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 2023-10-03
Company: Experian Information Solutions Inc.
State: CO
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:
An account shows on my credit report, along with late payments, charge-offs, and other negative score related activity, that is all the result of identity theft and fraud. The account has damaged my score and cause tens of thousands of dollars now in increased fees and rates. I have repeated provided proof and requests to XXXX and Experian to remove this fraudulent account, but they have not. Even though within days XXXX found clear evidence that it was fraud and did remove the account. The XXXX and Experian companies have violated the FCRA and caused financial damage, and must be held liable. 
The FTC has an identity theft report and has agreed with the findings. The Federal Reserve has confirmed the details and believe this account is the result of fraud. Multiple collections agencies have been sent this information, and they all have found no evidence the account belongs to me, they have removed their collections efforts and have requested the credit reporting agencies to remove the incorrect and fraudulent account. Yet XXXX and Experian continue this violation. There are also emails from the legal department of the credit company that agree that this account is not mine and should have no negative reporting connected to my credit report. 
At this point, I suspect XXXX XXXX or other prominent individuals at the company to be involved with this continued fraud, and should also be held liable. 
The account for XXXX / XXXX needs to be immediately removed from my credit report and remove any and all negative remarks and scores. There has been ZERO evidence provided that this account belongs to me, and is clear that fraud and identity theft has used my information for this.

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 2022-12-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I became aware that someone had taken over my XXXX account, changed my password and email effectively locking me out of my page. I was contacted by a friend that whoever took over the account was using my messenger to contact my friends to solicit money in the form of a surprise XXXX to help my XXXX who had ( supposedly ) seriously injured himself. I tried many different avenues to get this rectified but without success. On XXXX XXXX, XXXX, I googled XXXX and got a phone # XXXX ) XXXX XXXX. The person answering assured me he could help and needed me to download an app to my phone. I know now that this gained him access to everything on my phone including my online banking. He opened a XXXX account under the name XXXX XXXX ( I did not previously have one ) and took {$990.00} from my checking account. I bank with Wells Fargo so I notified them of the scam and changed my checking account number, phone number and email address. On XX/XX/XXXX, I first noticed the XXXX transaction and notified the bank immediately. They said it was ad too late to stop the transfer but they would notify the receiving bank. I asked which bank that was and was told they couldnt share that information for privacy reasons. I filed a claim that was later denied due to it being filed in the wrong department. I filed another claim ( supposedly in the right department ) that was also denied because their research showed that the transaction was made through an online banking app by myself or someone who had my authority. What has occurred is clearly fraud and I believe Wells Fargo should be responsible for refunding the money. It may not have been the bank error however they do provide XXXX as a service to their insured clients. I have filed complaints to the Department of Treasury XXXX, XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX, The Federal Trade Commission, XXXX, my local law enforcement and the FBI. While I am happy to report my misfortune to these companies to further their knowledge and possibly save others from similar misfortunes, I am certain that this matter can be cleared up by some agency. 

Thank you your help in this matter, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXXXXXX XXXX XXXXXXXX Balance {$13000.00} ; XXXX XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
CHRYSLER CAPITAL REFUSES TO SEND AN OFFICIAL 10 DAY PAYOFF LETTER BY FAX OR EMAIL TO A CREDIT U ION FOR A REFINANCE LOAN!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/21, an inquiry for XXXX was applied to my TransUnion credit report. I never gave authorization to XXXX to pull my credit report. This 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 2017-07-16
Company: EQUIFAX, INC.
State: SD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I 've been trying to receive my report from Equifax for 4 years! They give FALSE questions online to deny access! ( People assume ID Fraud based of this Equifax scam ) Equifax does not sent the report after sending them copies of license, Bills, SSN, Tax info ect. This company does this so they can charge you! They are breaking the federal law stating all consumers can receive one free report a year! I want my report that EQUIFAX owes me! The fake questions need to end and this company needs to comply with the law or be fined! Many online complaints state they do this to a lot of people! Enough is enough!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 usc 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts XXXX XXXXXXXX XXXX XXXX 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 account that isnt 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-16
Company: NCC Business Services, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
NCC Business Services has failed to validate or send proof of contracts that I have with them. I have never entered in or had a contract with NCC Business Services. I do not owe no debt to this company. They are a collection. I never had a contract with NCC Business services for the said debt of {$1200.00}. If NCC Business Services does not send a copy of this contract within 30 days the only resolutio I will accept is delete the said debt from all credit reporting agencies. As it is a fraudulent account.
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I have paid this debt to the original creditors in full. I never had a contract with NCC Business Services. I included a receipt to show I have paid this debt to the original creditors on  XXXX / XXXX /2016 in the amount of {$1200.00}.

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 2017-07-16
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have a lot of inquiries on my consumer report that is very damaging and I keep getting mail, and it has destroyed me. I do n't even know about these things that are in my credit report. Can you please remove tjem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XX/XX/2021 This account has incorrect information, I have never had late payments. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act. Section 609 ( a ) ( 1 ) ( A ), you are rquired by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting service could fax, mail or email in a fraudulent account. 
I damand to see verifiable proof ( i.e. : an original consumer contract withmy signature on it ) that you have on file for the account listed below. 
Your failure to positively verfiy these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately i.e : an orgianal consumer contract with my name on it ) that you have on file for the account listed below. 
XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
Account is reporting XXXX diffrent dates of last activity., there are XXXX diffrent account STATUS, XXXX XXXX reporting a DEROGATORY, while XXXX XXXX a PAID account XXXX diffrent last payments, you are reporting a CHARGE OFF/COLLECTION with no LATE Payments reporting. while XXXX is reporting XXXX also with no late payments reporting. if it's the same account being reported by the same creditor why is this different? Delete account for inaccurate reporting.

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 2020-03-27
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to the Coronavirus I was laid off work and will have no income for a least a month bc XXXX XXXX is shut down. I work in the XXXX XXXX industry and asked for a forbearance with 3 months added to the end of my loan. They said they could do 3 months but it would be do in full at the end of the months. This doesn't work as I'm not going to magically go back to work making double what I did before so this company Freedom Mortgage is NOT changing their forbearance structure at all to help people during the Coronavirus closures!!!

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 2023-11-02
Company: EQUIFAX, INC.
State: IL
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:
these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an infant daughter and my credit is being sabotaged by companies they have too much power and this is not fair!

Company response to consumer: Closed with non-monetary relief