BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-27
Company: EQUIFAX, INC.
State: MO
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:
A prior collections account should be removed from my credit report, per the creditor, XXXX, but Equifax has not removed it. XXXX has informed me that it requested the account be removed on XX/XX/19 and has provided me with proof of its submission, which I am attaching in support of this complaint. However, as of this date, the account remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
I have just pulled my credit report and noticed 6 Delinquent Closed collections from XXXX. I am sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are involved with this debt, and there is/was some contractual obligation which is binding on me to pay this debt. I have sent validation request letters to all 3 credit bureaus ( XXXX, TransUnion, and XXXX ) via certified mail. 

Letter of sale or assignment from the original creditor to another company is reflected on my credit reports, however the balance amounts, origination dates, and payment delinquencies are not matching with the 3 major credit bureaus ( XXXX, XXXX or TransUnion ). 

Although this account reads closed/ sold, it is unacceptable for this to remain on my credit report, as this reflects negatively on my credit rating. I have no proof this account is mine. 

I'm sure you know, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. Why are pursuing collection activity on a paid account in the first place? This is definitely harassment and is a violation of the FDCPA under 15 USC 1962e : Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to the debt. It should be read Paid as Agreed/ Closed or be completely REMOVED from my consumer reports.

Invalidated information from any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) on my credit report may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by XXXX or any representative is a violation of consumer rights. I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.

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 2021-10-12
Company: Experian Information Solutions Inc.
State: PR
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 two accounts that come out on my XXXX XXXX credit that I do not recognize. 
The first is with the account number XXXX ** and which was opened on XX/XX/XXXX and has a balance of {$19000.00} The second account has an account number XXXX ** and it was opened on XX/XX/XXXX with a balance of {$9300.00}. 

My concern is that both accounts are not ias and are reported on the credit that they are.

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 2021-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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 two accounts that come out on my XXXX XXXX credit that I do not recognize. 
The first is with the account number XXXX ** and which was opened on XX/XX/XXXX and has a balance of {$19000.00} The second account has an account number XXXX ** and it was opened on XX/XX/XXXX with a balance of {$9300.00}. 

My concern is that both accounts are not ias and are reported on the credit that they are.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting 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:
Equifax sent me updated credit report stating that fraudulent inquiries had been deleted from my report, yet they still appear or were reinserted. Either way they are still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: CITIBANK, N.A.
State: NY
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/XXXX, I used my Macy 's American Express credit card to pay for a cruise with XXXX XXXX XXXX. Due to the pandemic, I could could not cruise on XX/XX/XXXX as scheduled. I tested positive for the XXXX XXXX on XX/XX/XXXX which I contracted at my job working at XXXX. My section commanding officer died of XXXX XXXX as well as my coworker. Thankfully I lived. The cruise was cancelled regardless. 
I complained to Macy 's American Express that I did not want to pay the {$2400.00} charged to my card by XXXX XXXX XXXX. Macy 's American Express sided with XXXX XXXX XXXX and refused to credit back to my card the {$2400.00}. The reason I am told is that XXXX XXXX XXXX is willing to provide me with a credit one year from the cancelled cruise to use toward a future cruise. This is a ridiculous position for Macy 's American Express to take. I use my Macy 's American Express because of their advertised benefits of protecting their customers. I am being asked to pay for a future cruise now, during a pandemic, instead of receiving a full credit to my card. I do not even know if XXXX XXXX XXXX will be in business in the future. I do not know how, I am suppose to actually go on a cruise in XXXX based on the current outbreak of COVID cases in NY. Yet, I must pay Macy 's American Express their money. Macy 's American Express should be telling XXXX XXXX line that the consumer should not bear the cost of a future hypothetical cruise at the present time.

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 2020-06-06
Company: Holloway Credit Solutions
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Holloway Credit Solutions has validated to validate any debt owed to me. I have sent company validation letters and no response from Holloway credit solutions. The debt was open in XX/XX/XXXX-XX/XX/XXXX. The amounts is {$1000.00} {$110.00} {$160.00}. The credit bureaus has stated they validated info but has not sent me any proof. 

Account number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My Mortgage was sold by XXXX XXXX to Chase Mortgage over a month ago and I was told that by XX/XX/XXXX, my escrow funds would be posted on the website. To date it is not and my request for a statement has been ignored as my escrow balance is $ XXXX XXXX. Yet the amount that came over from XXXXXXXX XXXX and with a subsequent payment now totals over {$6900.00}. 

I have requested call backs from managers so as to find out what the hold up is and get a statement/letter/email with my escrow balance. Which they have ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I just received a copy of my credit report and noticed some Hard Inquiries that I do not recognize. Here are the Hard Inquiries below. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-11-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because this account is damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

You must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This appears to be a rental home and I have been in a mortgage since XXXX. I do not know what this is or why this is on my report I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I closed my XXXXXXXX XXXX account # XXXX at the end of XX/XX/XXXX when I moved. I returned all the equipment to the XXXX as instructed and was told the account was closed and I owed nothing on the phone with XXXX. No further bills were mailed to me. 

Once I checked my credit report in XXXX, I noticed I had a collection again my XXXX account. I contacted XXXX and they stated my account was closed, there was an error they corrected and provided me with confirmation # XXXX. 

The debt was never cleared off. I opened disputes through XXXX to remove this without any success. I also contacted XXXX multiple times when they stated the last person forgot to process the final steps and they would take care of it. 

After about a year of this process, XXXX opened a new ticket # XXXX on XX/XX/XXXX. After many hours on the phone, they finally stated they account was closed and they could do nothing about it even though they had stated the caused the problem by billing incorrectly. 

The debt has been passed between about 3 different debt collects with it currently sitting with I.C. System, INC who I'm waiting to receive any communication with. I have opened a dispute with XXXX, but I have no confidence this will resolve my issue. 

At the end of the day, this is debt I do not own confirmed by the original debtor XXXX and I need this resolved and removed from all of my credit reports.

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 2021-01-12
Company: National Credit Adjusters, LLC
State: TX
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:
What is this account? I checked my reports monthly and I still see this very inccurate and incomplete account reporting in my credit file. I urge your team to remove this as soon as possible. Let us work this out and help me start a cleat slate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, My name is XXXX XXXX XXXX and again, I am reporting incorrect account information on All three of my credit reports with XXXX, EQ and XXXX. 
There are three trade accounts, which have been opened without my acknowledgement and are fraudulent. I have taken the liberty of contacting the Federal Trade Commission and am ready to take action against the agencies that continue to list these three account under my name without valid proof. 
This is not the first time I have been in contact with these agencies about this. 
I am requesting that effective, immediately all three of the below mentioned accounts be removed and deleted from my credit record - without delay! 

XXXX XXXX Opened XX/XX/XXXX. Bal of : {$12000.00} XXXX XXXX  Opened XX/XX/XXXX. Bal of : {$7000.00} XXXX XXXX Opened XX/XX/XXXX. Bal of : {$2900.00} I have been in continuous contact with all three bureaus and have received no assistance with these complaints. They have advised me that they will not removed the entries and have stated that they will NOT instigate or provide assistance, Even hung up the phone on me. I believe this fraud is actively knows with the bureaus and they too receive some sort of financial aid in playing a part of reporting items that they known to be fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TransferWise Ltd
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a large amount into my account and requested they deposit it back to my normal banking account but they told me my account have been deactivated. 
This have been going on for 3 weeks and I need my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Razor Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I paid a debt with Razor Capital in XXXX. On XX/XX/XXXX I received a Notice of Application For Wage Execution on a debt that has been paid. I sent the documents to razor capital   and their attorney, XXXX, XXXX, XXXX, XXXX XXXX and they refuse to review the documents and release the money they have illegally taken from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NY
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 fourth 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 alleged fraud or extortion. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Capital Accounts, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute the information that this agency has reported. The agency has failed to provide documentation proving that I am responsible for this debt. I am requesting to have this item removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Paypal Holdings, Inc
State: DC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
From XX/XX/XXXX-XX/XX/XXXX of 2019, I was overcharged by Venmo for unauthorized charges. I have attempted to contact Venmo on multiple occasions. I have filled disputes with them, and they have denied the claims. In their last email response to me on XX/XX/XXXX, they stated " After re-investigating the account, we are still unable to honor this claim because when you first filed this claim, you stated the transactions were unauthorized and you did not authorize any of these payments to the merchant and also had your debit card closed and answered the questionnaire for unauthorized transactions. These are steps that are taken anytime an unauthorized transaction is reported. Now you are stating the transactions were authorized but have since either been canceled or you have not received the items. Based on the inconsistent information provided throughout this case, we are still unable to honor this claim. '' They are refusing to fully investigate my claim because they are stating that I changed my story/reason for the overcharges. This is not accurate. The Venmo represented who filed the claim, after listening to me explain what happened, suggested that I frame the claim that way. I did only what the Venmo representative suggested. Further, when I called back to Venmo, the agent stated that " I do not know why the denied the claim. It seems they coded it wrong in the system, I will send them a note. '' A day letter, they denied the claim again. 

This issue started when I got a Venmo debit card. The way the card works, if I charge on the card {$18.00} for gas, Venmo will round up and take {$20.00} out of your account and put the balance in your Venmo balance. 

BetweenXX/XX/XXXX-XX/XX/XXXX, I used the card extensively to track my business purchases ( at least 500 transactions, if not more ). When I used the card to book rideshare rides with ( XXXX, XXXX, XXXX ) those merchants pre-authorize your card for the estimated cost. So if I booked a ride with XXXX, they would say the cost is going to be {$6.00} and they would preauthorize this on the card. Venmo would then take {$10.00} out of my account immediately. However, if I canceled the ride or didn't take the ride for some reason, the money has already been pulled out of my account, but it wasn't put back into the wallet. 

THis happened to me on numerous occasions. I documented all of the times I was overcharged and attempted to file a claim for reimbursement. As of today, I can not use my Venmo card and I owe them for the provisional credits that they gave me. 



Their team has been incredibly unhelpful, and I need your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy a d confidentially under 15 USC 1681. 

Account # XXXX has violates my rights. 

15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

According to the FRCA the term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of the account are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.

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