BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with accounts listed under Merchants & Professional. I requested a validation on XX/XX/2020 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2020 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belongs to me nor do I believe that the creditor has HIPAA authorization to access the account nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NJ
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Greetings XX/XX/XXXX American Express closed an account insufficiently and unexpectedly ( Credit Card Act of 2009 ) without advance notice of other significant changes ( 15 U.S.C.1637 The Truth and Lending Act has clearly been violated. I was never given advance written notice of this significant change to this account being closed 45 days prior to. All payments made to this account have been reported and recorded as on time and satisfactory by American Express XXXX XXXX XXXX XXXX XXXX These payments have been accurately recorded by these agencies as on time and satisfactory payment history. American Express then wrote me a letter stating that they would re-open My Account, which they then told me that I had to reapply which caused an inquiry and a denial of my credit. American Express has falsified additional reporting as unsatisfactory late payment history, which is in accurate and clear breach of their contract by defaming my character 28 US code section 4101, section 312231.05. With intentional and reckless malice, these statements were made to third parties. As of XXXX American Express continues to report to third parties as late and unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX, I responded to a letter about credit cards from Capital One. Capital One sold the account to XXXX XXXX and I advised them that the amount claimed owed from Capital One was inaccurate because payments/refund from a cancelled cruise in XX/XX/XXXX was credited to the account. I also wrote to Captial One in XX/XX/XXXX. Both responded as if no payments were returned to Capital One. XXXX XXXX provided copies of billing statements up to XX/XX/XXXX, and did not provide any statements showing credit/payment for the cancelled XXXX cruise. 

I just discovered that XXXX XXXX have reported the account to XXXX even after failing to validate the amount owed during the validation period,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX account # 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 explanation
Consumer complaint received 2023-04-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I tried to deposit a cashiers check in my account at citizens bank and they said it would take 5 days to clear. I did this on XX/XX/XXXX. It is XX/XX/XXXX now and I called to see if the check cleared they said it was estemated XX/XX/XXXX  to clear. They are haveing a problem with their system so its saying it was already cashed when it was not. They are doing nothing to fix the problem and will not give me my money. Even though the bank the check was from says it was cashed at citizens bank they are making no progress towards verifying that. I cant get my money which is {$7500.00} and it is really affecting me please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently pulled my credit report, and there has been a FRADULENT ACCOUNT opened on my credit report on XXXX and XXXX. This is ruining my credit and I am unable to use financial resources in need for myself and family during this pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TD BANK US HOLDING COMPANY
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 XXXX Account # XXXX, # XXXX, XXXX XXXX XXXX account titled University of XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: OK
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:
I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Resurgent Capital Services L.P.
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XX/XX/XXXX LVNV Funding LLC RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. The listed account is also not XXXX  compliant.

Account ( s ) in question include : Account name : LVNV Funding Account number : XXXX I am very interested to learn how your investigators ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to and documentation displaying full account numbers as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, sol need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Additionally, it is my understanding that this debt was written off and filed as a loss on the original creditor 's business taxes. Therefore, the new classification for this debt is now reported as income by the original creditor. By law, income can not be reported on a consumer 's credit report. For this and other fraudulent reasons, I am strongly requesting deletion of this invalid, erroneous and fraudulent account. This is not a request for an investigation. Please delete. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: OH
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 an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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: 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 and confidentiality under 15 USC 1681. 

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 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 the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My PayPal account is under email XXXX I opened a PayPal account on a roll XXXX. And then was asked to submit documents, which were my bank statement, proof of address and ID or passport submitted. Then I received a message saying that they had to send the review to the back office team for further review then on XXXX XXXX they told me my account was permanently limited and I was no longer to use PayPal and I could not use my balance for 180 days because they needed to put it on hold in case of charge back or anything like that on the account. The only issue is I dont use that account to sell anything. Im not a seller Im not a business account. I have literally two transactions on there one being a purchase on the Internet and the second is {$100.00} sent to me friends and family from somebody I know. Then they wont tell me the reason because they cant even see the reason why I am not allowed to use PayPal and how is it OK for them to just decide that theyre going to keep my money for 180 days I dont know about that but I need all the money I can get and thats my money and I dont know how they can keep it for that long as a long time if you ask me and so theyre pretty a big me if you ask me. I could see them holding it in fear of a chargeback or anything like that if I was using it as a business account or as a seller account but that is my own personal PayPal like I said Ive done two transactions total on that PayPal its not gon na get charged back I promise you that because one its my friend and two its pretty impossible with PayPal to charge back a transaction set with friends and family, unless they issue with their bank but like I said its my friend hes not gon na do that and its not their money, so why can they hold it and just sit there and collect interest on it because thats what I heard they do and why they hold money all the time and do whatever they think they want Anyways, I need to withdraw my money now its my money I need it I dont care what they say even really they need to give me my money or I will go further with legal action even if its only XXXX bucks its just not right to do to somebody for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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:
I am writing to address a concerning matter regarding the reporting of my credit information by your agency. It has come to my attention that late payments and credit utilization data have been included in my credit report, despite falling under the exclusions of transactions and experiences as defined by the law. 
I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( a ) ( 2 ), which requires consumer reporting agencies to provide accurate and fair credit reporting. Additionally, 15 USC 6801 and 6802 ( b ) ( 2 ) explicitly state that nonpublic personal information, including transaction and experience data, should not be disclosed without proper authorization. 
By including late payments and credit utilization data in my credit report, your agency is in direct violation of these federal laws. As a result, this inaccurate and misleading reporting is adversely affecting my creditworthiness and financial standing. 
Moreover, these violations raise serious concerns about this agencies blatant misuse of my personal information and other fraudulent activities. Under 18 USC 1028 ( a ), such identity theft offenses are subject to criminal penalties, further emphasizing the gravity of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Throughout XXXX and XXXX two individuals with a strong hindu accent called my mobile number asking for personal information for collection purposes on behalf of Credence Resource Management , LLC. 
Since they refused to give any information about the debt, on XXXX I ", I LAWFULLY REQUESTED THE DEBT VALIDATION BE IN THE FORM OF A NOTARIZED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT AS IT WAS CONSTITUTED AND WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY ''. 
They finally were forced to send me information and when checked with the XXXX XXXX, XXXX XXXX XXXX, said this was an old invoice for a my wife that was fully paid, and therefore did not know why they were contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: EQUIFAX, 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/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation