BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: CT
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: DE
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: EQUIFAX, INC.
State: NC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Re : Letter to remove inaccurate credit Information Recently I looked at a copy of my credit report and notice several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigating these items for me to ensure accurate. 
Here are the items I am asking you to verify as accurate. 
XXXX XXXX XXXX XXXX Total card ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After your investigation is complete XXXX please send me the results via mail. 
Thank you in advance. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # 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

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 2023-04-19
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$8600.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Collections in my account that are not mine the companies reporting it are not licensed in California. The addresses and phone numbers for the companies are invalid I have disputed the information and Experian states it is verifiable and accurate but it is not accurate there is no way to verify. And they never told me how it was verified

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 2022-03-02
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: Their investigation did not fix an error on your report

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please fix and update the following accounts from my Credit Reports : 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 explanation
Consumer complaint received 2022-03-02
Company: Debt Recovery Solutions, LLC
State: CO
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/XXXX I submitted a CFPB complaint about XXXX XXXX XXXX To validate A allege debt that they say I own I sent them a debt validation Letter And they sent me back a couple of bills demanding I pay them and I dont recall any services with this company and theyre reporting the debt all my consumer report And the company admit it in their response That they acquired my medical information from XXXX  OF COLORADO, XXXX on XX/XX/XXXX and Then assign it to DEBT RECOVERY SOLUTIONS LLC All without my permission and I also sent them a cease and desist letter as well as my invoice and they fail to comply to all of my demands not only is this a HIPAA Violation Its also a violation of my CONSUMER RIGHTS and the company stated in their response That they were complying with all federal and state laws which they were not

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Greetings. 

Yesterday, XX/XX/XXXX I got the email saying " You can no longer use PayPal ( Ref ID XXXX ) ''. First of all, the customer support is not helpful at all, they don't know what they are doing. Now, my take on this complaint : I have been using PayPal since 2012, I run a small hobby that helps me support my family and I accept payments via PayPal. I have never violated any PayPal policies or engaged in any fraudulent activity, I know this for a fact and this is true. My PayPal account has been permanently deactivated and PayPal holds my money XXXX XXXX XXXX USD XXXX for " 180 days before they can release it '' - their statement. I am not able to withdraw, send, or receive payments anymore. I believe this to be a mistake on their part and I am sure if they would check my account they would find a perfectly healthy account run by a good-hearted person. No fraud, no chargebacks, no violations whatsoever. The only chargeback we had in a long time was a mistake from my customer, I have email proof of our conversation where he admits this to be a mistake and apologizes. I will gladly provide proof if such a need arises. 

PayPal claims this account termination is done to prevent fraud, like I mentioned before, anyone with a pair of eyes can see ( after checking my account ) that no such thing can be said about my account EVER. In fact, by holding my money they themself become which they are fighting against - fraud. 

Please help me get my money back. I have earned them with honest work, I worked hard to earn them, PayPal earned a fee off of each of my transactions, now they are holding my money and at this point, it looks like a fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 46 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 45 days so they should be deleted promptly.

I demand these accounts and Inquires to be deleted immediately or will file for litigation due to wrongful reporting on my credit profile, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I recently pulled my credit report with all 3 bureaus and thoroughly looking over everything I noticed there is inaccurate information on my credit report including : wrong names not, wrong addresses, wrong employment listings that are not associated with me. in addition Unauthorized Inquires I do not recall attempting.

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 2021-06-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There are two accounts open in my name that i did not authorize these companies to open are ask to extend any kind of credit in my name. These accounts were open fraudulently. The first account is with XXXX XXXX . I have tried to call this company four times and i can not speak to anyone. I have also tried calling XXXX XXXX and they keep telling me to look for the company online. The second company is XXXX XXXX XXXX. I am unable to get in touch with anyone from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: Santander Consumer USA Holdings Inc.
State: IL
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:
on XX/XX/2020 I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with chrysler capital. Because there was a finance charge involved pursuant to 15 usc 1605 they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a cash down payment which means they are liable to me in the amount of double the finance charge. They also never gave any material disclosure disclosing that it was an attempt to collect a debt, at the initial communication in this consumer credit transaction which is a violation under 15 usc 1692e. Also, XX/XX/2020 Chrysler Capital issued a statement/ bill in the mail and on the envelope/statement it has their logo, which is also another violation of 15 usc 1692. The statement also shows a positive balance that they say I allegedly owe, which is also a violation of 15 usc 1692. If it is something I owe it should show in a negative balance. The first time they violated 15 usc 1692e ( 2 ) was at the initial communication of the consumer credit transaction, when the retail installment contract show 3 different amount owed : finance charge {$8700.00}, amount financed {$12000.00}, total of payments {$21000.00}. Lastly, the statement/bill should not say it is a attempt to collect a debt which is a violation of 15 usc 1692b. ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: CURO Intermediate Holdings
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
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 have had two previous loans with Speedy cash with have been paid in full, Ad Adstra is stating that I still have a balance with them. There is an account with Ad Adstra showing on my credit report in the amount of {$1400.00}. I do not have a contract with Ad adstra/Speedy Cash. am not liable for this collection or responsible for this debt. I have requested proof of this debt from The credit bureau and Ad Adstra.I was never sent any proof validating this debt even though I have requested it, I have been trying to resolve this matter since XXXX. I hope you can assist me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Experian Information Solutions Inc.
State: AZ
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 to XXXX - XXXX - and - Experian I will put the letters here that I have sent off and nothing has been done about it and it is really annoying to not even be helped after so long. 

Please remove all of this negative information off of my credit profile. This is absolutely annoying, and it is stopping me from buying a house. I really need help and would much appreciate it if you guys took care of this for me. I just had a kid and now me and my lovely wife are trying too get a house for our little one to grow up in but this is just absolutely holding me all the way back. So please help and have a blessed one. 

to XXXX XXXX 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 2023-05-08
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an auto loan from XXXX XXXX and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX  XXXX  with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XXXX of XXXX. There was an error on their part. I was never 30 days late.

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 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: EQUIFAX, INC.
State: OK
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 XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2021-01-15
Company: EQUIFAX, INC.
State: GA
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: Problem with product or service terms changing

Complaint:
Equifax changed their terms about reporting when changing from Equifax to MyEquifax. Before the change I received almost daily alerts about banking ( checking account ) transactions of any amount over {$100.00}. I also received monthly alerts about an increase or decrease on credit card statements. Since XX/XX/XXXX I have 12 personal checking transactions and 6 business checking transaction of {$100.00} or more and several credit card statements and so far I have not received any alerts. I called Equifax Customer Service on XX/XX/XXXX at XXXX ( 17 min 57 sec ), XX/XX/XXXX at XXXX ( 22 min 32 sec ), XX/XX/XXXX at XXXX ( 4 min 18 sec ), XX/XX/XXXX at XXXX ( 16 min 47 sec ), XX/XX/XXXX at XXXX ( 10 min 4 sec ) and today XX/XX/XXXXXXXX  at XXXX ( 52 min 10 sec ). On each occasion I was either cut off and had to re-dial or was told the problem was fixed and I still did not get any alerts. My last call was to get a supervisor on the line and 4 times was redirected back to the original phone options. Finally got a supervisor today and was told " we are having problems with the product and our associates are working hard to resolve. But if you are not getting alerts nothing has happened on any of your accounts ''. That's when I decided to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26
Company: Experian Information Solutions 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. The List of account below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX has violated my rights.

15 U.S.C 1681 Sec. 602 A. States : I have the right to privacy.

15U.S.c 1681 Sec. 604 A Sec. 2. Sates : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) States : No consumer reporting agency may make a report containing any of the following items of information, Any 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 ) States : 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 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