BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: AR
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 second attempt to file a CFPB complaint and to inform you about the neglegence of the three Credit Bureaus. With this, I allege that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with the accurate and be delete the fraud items in my credit report immediately : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX {$4500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: TX
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:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, a consumer, the natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : ( XXXX XXXX  XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Account Name XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Status Collection account. {$540.00} past due as of 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 non-monetary relief
Consumer complaint received 2021-11-30
Company: VW Credit
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX ( automated dialer call from Volkswagen credit ) has called me XXXX times in the past XXXX months without my express consent. I have called and asked to speak to a supervisor regarding this, one was supposed to call me back and never did. I attached screenshots of the dates and times of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Their investigation did not fix an error on your report

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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-07-15
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX. XXXX. XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2021-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom it may concern In the past couple of years I've been monitoring my credit accounts which the three so called major credit bureaus. It has come to my conclusion that they are not on the same page. I understand that there may be differences in the way the do credit reporting but the its my opinion its all a scam. At the end of the day the game has to be played. The last 2 years I've been trying to get my credit in order but seem to have issues with Transunion. The report is the same as my XXXX  account but 30 to 40 point lower. WHY! Just recently I tried purchasing a home which I qualified for and learned through my lender that when qualifying someone they'll go to the lowest score. Still XXXX. to me. Again at the end of the day the game has to be played. Question tho is this fair credit reporting. Another thing I've been witnessing with the credit reports those which can be obtained online is there is always a charge. It has been my assumption that consumers are given a free credit repot once a year. My complaint is not just because I needed to get my credit straight but because I see no true fairness if these. If the 3 are not on the same page or dam near close. I'd love to show you my reports and its an obvious concern. My complaint again is more of a concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had no idea my debt from pudget sound collections for {$780.00} I never receive any notices about this debt.

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 2023-07-15
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: Account information incorrect

Complaint:
XXXX XXXX is incorrectly reporting a balance of {$400.00} on a line of credit I had with them. The credit limit is {$400.00} and has been exceeded by the {$7.00}, but I personally secured {$200.00} of thw {$400.00} credit linit with my own money. Since they have reported the account as a charge off, the balance due is not {$400.00}, they should either credit the {$200.00} that I personally secured to the due {$400.00} and which correcrly leaves a balance due or return my {$200.00} I paid into or secured within the {$400.00} credit limit. Either way, the correct due balance is {$200.00} not {$400.00} for reasons I've previously mentioned. XXXX XXXX must correctly report these corrections to all three credit bureaus immediately as incorrectly reporting this account damages my credit and quality of life.

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 2021-03-14
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:
PayPal limited my account around XXXX and told me i had to wait 180 days to withdraw my remaining funds and can no longer use there service. I got no reason to why my account was being limited just that it was. Fast forward to the future 180 days have passed and they did not email me nor contact me about receiving my money in any way shape or forum. I have XXXX dollars on PayPal just sitting there which they wont let me withdraw. PayPal has no contact number nor email nor does they message system work they have no contact info and refuse to release my money which they have sitting on my account doing nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I was notified by XXXX XXXX XXXX XXXX ticket agent XXXX XXXX that my Goldman Sachs Credit Card will be charged with if I remember correctly {$300.00} that day, I had 3 partners that were split 4 ways in the amount of approximately {$8300.00} for the season on my card. I called them all within 4 hours of the amount being charged, roughly {$930.00} beginning the following month of XXXX thru XXXX of XXXX. None of us could afford that payment as 3 out of 4 suffered heavy losses of income due to covid. I notified XXXX my agent that we were forced to give up the tickets. XXXX XXXX charged the {$930.00} amount anyway. When I saw that deducted from my bank account I notified my bank who contacted Goldman Sachs I cancelled the card, and my bank demanded repayment to my account of the {$930.00} XXXX XXXX and Goldman Sachs took even though I cancelled the season tickets XX/XX/XXXX for season beginning 7 months later. 
XXXX XXXX and Goldman Sachs continued to charge me {$930.00} a month by notifying all credit bureaus, Causing my credit score to drop from over XXXX, XXXX points to XXXX. That caused my variable mortgage and loan rates to elevate. At XXXX time I supposedly owed over {$12000.00}, with close to XXXX in penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Experian Information Solutions Inc.
State: MD
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 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-03
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:
This is my endeavor AGAIN to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX  XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX Balance : {$570.00} ; XXXX XXXX XXXX Balance : {$7000.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; ( Original Creditor : XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Certified Mail Receipt # : XXXX It whom it may concern, I agree to pay the following financial obligation regarding account numbers # : XXXX, XXXX, XXXX and which I might lawfully owe on one condition : Within 15 days of the date of this Conditional Acceptance sent certified mail receipt requested you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. 
Verification of your claim against XXXX XXXX XXXX XXXX, that is, a signed Invoice. 
A copy of the Contract binding both XXXX AND XXXX XXXX XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer. 
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. 
The identity of the true holder in due course for my loan. If the loan has been securitized, the name of the XXXX my loan was sold to. 
The XXXX number under which my loan was securitized to. 
Make available for visual inspection my original wet ink promissory note ( not a photocopy ). 

Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301. 
Under US Code TITLE 15 > CHAPTER 41 XXXX SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter. 

In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt. 
Thank you, XXXX XXXX : XXXX XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2020-09-28
Company: Byrider Franchising, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
in the month of XX/XX/2020, i changed my XXXX XXXX XXXX XXXX account and debit card information. after i was compromised by identity theft and someone using my card information to debit fund out. my last car note payment to cnac, jd byrider in XXXX, sc. was made following that month. i informed them i am no longer doing auto debit/draft pay. 
my compromised account and change of employment. 

this information was written down or verbally heared over the phone. 
then in the month of XXXX. i called in to do my payments with a new debit/credit card number. i informed them not to retain my card information for use an any practice. i shall only call in and authorize payments. the next payment in XXXX was automatically drafted out of my bank account. without my authorization and notice. 

i noticed this happened on the last week of XXXX. without my knowledge. i contacted my bank to investigate the charge and dispute. my new card was placed on freeze and any activity without my authorization would not go thru. 

CNAC company attempted over 6 times to remove funds from my bank account without my knowledge. In XXXX, the days of the XXXX, XXXX, XXXX, XXXX in the amounts of XXXX, XXXX and XXXX dollars were attempts to debit my bank account. using my card number given to them before. the card number given to them was not set on auto pay and was not made to be retained for any purposes. even to pay a car note without my call in and authorization. 

i looked up on the FTC website and south carolina website for laws ruling how to handle disputes over compromised accounts and breach of trust. 

it its illegal what they did and attempted to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: MO
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:
These are unauthorized inquiries which I have not approved or given written permission to furnish in my credit report : 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 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Submitted the documents no response

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 2021-03-13
Company: Credit Management Control, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company continues to violate my hippa right along with the violations of the fcra! they have dailed to reach me in 30 but as well as up to 90 days without contact thats 3 repoeting cicles! with no mailed wet signitures or proof of this debt. So please contact them in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-28
Company: EQUIFAX, INC.
State: OR
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:
false account reported on my credit report. 
XXXX XXXX  XXXX I have lived in XXXX since XXXX

Company response to consumer: Closed with explanation