BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-01
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
Please reinstate my SSN as alive. It is : XXXX. It has been listing me as deceased. I am very much alive. My XXXX XX/XX/1986. 

Address : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX 2019 I applied to USAA Federal Savings Bank for a refinance home loan. I wanted it to pay off four accounts at XXXX. They were as follows No.1. a home equity loan interest only loan of {$78000.00} and No.2. a personal loan of {$12000.00} No.3 a credit card balance of {$4700.00} and No. 4 another credit card balance of {$4900.00}. for a grand total of {$100000.00}. 
They fixed the loan amount to me to pay is {$100000.00}. 
As of XX/XX/2019 the funded amount to me was {$77000.00} directly to the XXXX and two checks sent to my home. one was for {$13000.00} to be cosigned by me and the bank. The other was for {$8600.00} for my signature only. They hadn't notified me of the amounts. They gave me the final disclosure document with another 100 pages needed my signature and initials on Friday XX/XX/2019 to a notary public. The three day notice for me to cancel the contract was given on XX/XX/2019 and would expire on XX/XX/2019. 
There have been other restricted problems involving the appraisal problem with my pool and needing a lawyer to explain my trust report to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I reportedly disputed with Experian of concerns there are more than 1 addresses reported on my credit report which doesnt matched with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To whom it may concern, I am XXXX XXXX and Im submitting this complaint myself and third party was/were involved.I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute.This information is unauthorzied and I did not approve it to reflect on my credit reports. I belevie I may be a victim of identity theft. I have a security lock on my credit reports and I was not alarted to this information being authorized on my credit reports and I am insisting that they be deleted from my credit reports as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. Please investigate these matters and delete the disputed items, As soon as possible. thank you

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 2022-12-14
Company: EQUIFAX, INC.
State: GA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Got a room from XXXX. Canceled the same day of reservation, did not receive a proper reimbursement. The money was in my account then the day after it was missing agin.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: MN
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:
The fraudulent XXXX XXXX loan accounts is still listed and showing on my Equifax credit report. The accounts is not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: DC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my employer on XXXX to Bank Of America at a local branch. I have deposited checks like this many times before, and at least once on this new account. When I deposited the check the employee at the window said my funds would be available on XXXX. 
I learned that night that a hold had been place on the check. As I was in a serious financial crisis I made plans to go back. Per the e-mail from BOA and the information on from the app on my phone, I was to receive a notice with the reason and information as to when the funds would be available. 
I went back to the branch on XXXX and spoke to a floor representative/person. She informed me that her research found the reason for the hold to be confidential. So no reason for the hold there. I called customer service from the branch 's phone. After the first 12 minute wait I got a person in Texas only to lose her after 2 minutes. A second call was made with an 11 minute hold and was dropped again. The third attempt resulted in a person from New Mexico ( if I recall correctly ). She said the bank put the hold on the funds to verify the source of the funds and payment. She then said the bank would honor the deposit on XXXX. 
I thought this reason was incomplete. The employer 's check was a government agency and I had made a deposit from this employer many times before. After further research she said the deposit would not be honored until XXXX. I asked to speak to a supervisor. 
The supervisor said that holds were done on a case by case basis. But she did not supply a reason for my " case '' being chosen. She said the wold was by ACH and the federal government. I pointed out that ACH is not a gov't agency. Again I said this is not a reason for my " case '' being chosen and wanted that information. I pointed out I had been XXXX different dates for the deposit to be honored by BOA employees. I also pointed out that their own response to me was that a reason would be given. But no reason as to why my case was chosen was provided. At least not one I though was reasonable or logical. Does case by case basis mean random to BOA? 
My preliminary research indicates that at least {$200.00} of the funds were supposed to be made available but so far that has not been done. I received no information that it would occur. 
This isn't just inconvenient, it is life threatening. I need to get my insulin and other meds. Can someone help.

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 2023-05-02
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Subject : Account Suspension Appeal Dear PayPal Team, I am writing to appeal the suspension of my newly registered PayPal account. I was surprised to learn that my account was suspended shortly after I registered for it, as I have never used the PayPal service before and have not had the opportunity to engage in any suspicious activity or policy violations. I kindly request that my account be reinstated and that I be provided with an explanation for the suspension. 

As a new user, I am eager to use PayPal to conduct safe and secure online transactions, and I am confident that I will abide by all of PayPal 's policies and guidelines. Therefore, I believe that this suspension is unwarranted and unjustified. I would like to request that the necessary steps be taken to review my account and reinstate it as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: DE
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:
According to the law 15 U.S.C 1681 ( i ) & 15 U.S.C 1681 ( b ) & the Gramm-Leach-Bliley Act, I XXXX XXXX, did not given my written consent to furnish this data on my credit report.

The following Inquiries are in violation of the FCRA and FDCPA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX PRESENT Sent Certified mail in XX/XX/2019 to try and have them validate that the debt is mine. I sent my signature and Id

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: EQUIFAX, 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:
XXXX HAS ON INQUIRIES ON MY REPORT THAT ARE NOT MINE. 

NOT MINE : XXXX XXXX XXXX -- XXXX XXXX -- EQUIFAX MORTGAGE SERVICE -- XXXX/XXXX -- XXXX XXXX XXXX -- XXXX XXXX  XXXX  -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- EQUIFAX MORTGAGE SERVICE -- XXXX XXXX -- XXXX-XXXX -- XXXX XXXX  -- I 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 -- EQUIFAX MORTGAGE XXXX -- XXXX -- XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX --

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX Citi responded stated they will be reporting me as an authorized user. This has not been done to date and it has been past thirty days ( 30 ). In the letter is states " Although we do not report Authorized User for Citi accounts to the credit bureaus ... .. That information appears to be a direct contradiction to the XXXX XXXX XXXX XXXX XXXX and XXXX. It states " A card issuer must report the authorized user account to the three nationwide consumer report agencies... Please advise as soon as possible.

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 2022-11-16
Company: Financial Recovery Services, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have no idea who this caller is but I've blocked MULTIPLE numbers from " XXXX XXXX '' all of the employees use alliterations and fake names so another I spoke to was XXXX XXXX  for example. 

They've called from XXXX starting XX/XX/XXXX Then from XXXX from XX/XX/XXXX Then it was XXXX from XX/XX/XXXX Now its XXXX which called today Didn't know who it was other than a " recorded line '' and they refused to say who they were with other than XXXX. I called XXXX times and finally after breaking down and getting upset about the situation did the fourth time they finally say " financial recovery services ''. 

XXXX of them VERY aggressively said " sir, we are a COMPANY '' which doesn't mean anything. I could find no details on the numbers that were calling other than when calling the other phone numbers, the voice clearly being " XXXX XXXX '' on all of the other examples online of calls recorded from those previous numbers. 

Have no idea who these people are, they refuse to tell me and only after I tell them how badly they've stalked me for months do they tell me. I look it up and find that failure to disclose your company is in violation of the Fair Debt Collection Practices Act listed on their website. 

https : XXXX Specifically ; Section XXXX of the Fdcpa under False or Misleading Representations : " use any other name than the true name of the debt XXXX business, company, or organization '' Bluntly, when I said I didn't know who XXXX was and I needed more clarification, that failed to disclose the true name of their business multiple times on a " recorded line ''. This lead to me feeling harassed and threatened for months as I had unknown calls swarming me. This is illegal given they claim to adhere to the FDCPA but do not disclose the true name of the business which a deceptive practice. 

Lastly, all numbers I've given are not found on " Financial Recovery Services '' website, so ultimately, I still don't know who is calling. If it is XXXX XXXX XXXX, they are violating the law under FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: NY
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:
XXXX, XXXX and Equifax are the companies reporting information to my credit file that are a result of identity theft. I have gone a step further into creating a police report with the following reference number ref : XXXX I have previously reported this to the federal trade commission and also to the cfpb and these credit bureaus continue to not provide me with what I have specifically requested which is a contract with my signature on it for each and every fraudulent reporting item on my credit file. 

several years back i placed my wallet down in a department store and it was stolen! the items inside where my social security card and my licenses containing my addresses and a couple XXXX dollars. Today i took it a step further and reported a police report stating this exactly and additionally that my information continues to be used for credit. 

I am requesting a set of contracts with my signature on them to verify that these negative reporting items are indeed mines. I do not need these negative items to say verified, or updated. i need to be sent a written contractual agreement with my signature on them or a swift removal of said accounts. 

In the past I have not had the resources to take the credit bureaus to court but today is different and I have documented everything I've done to try and get these negative items removed for my legal safe keeping, I am ready to take this matter to legal proceedings. This is a request to have this matter taken a little more seriously and provide me with what I have requested. 

Note i have never had a fade hand dealt at credit in my life because of this The items reporting on my report that should not be reporting and any and all correlating hard inquiries related to said fraudulent accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$360.00} XXXX XXXX date opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX opened- XX/XX/XXXX balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX date opened : XX/XX/XXXX balance : {$300.00} XXXX XXXX XXXX date opened : XX/XX/XXXX balance : {$680.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX balance {$360.00} date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX balance : {$2000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX balance : {$360.00} date opened date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX balance : {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance : {$2000.00} XXXX date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation