BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 6th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$31000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$52000.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious 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 non-monetary relief
Consumer complaint received 2022-03-28
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On monday, XX/XX/2022, at XXXX pm they called me from XXXX Called and my mother answered. They did not verify her and assumed she was me and gave debt collector disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: General Motors Financial Company, Inc.
State: MD
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:
On XX/XX/2023, I requested documents from GM FINANCIAL and I have not received a response to the request. The letter is as follows and will be attached. I am requesting information for Account Number XXXX. Please provide copies of the following information : - All billing statements from the date of account opening ; - Complete Reporting History to credit bureaus and/ or reporting partners ; - A copy of the 1099-C cancellation of debt if applicable ; and - Date of Last Payment. It is my belief that 15 days is a reasonable amount of time to gather this information. I look forward to your complete cooperation and compliance. Respectfully, ( My name ) Not only this, but I need this data to formulate a dispute because it isn't reporting accurately or completely to any of the credit bureaus and I do not know who is misreporting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Unauthorised transaction charged to my Pay Pal account. 
No details as to what the transaction is for. 
It is impossible to speak to a Pay Pal XXXX get clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 find out that the same accounts on my credit report was inaccurate when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX : {$11000.00} XXXX XXXX XXXX Balance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: GA
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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( ORIGINAL CREDITORXXXXXXXX XXXX XXXX  ) : XXXX, XXXX XXXX : XXXX XXXX XXXX ( ORIGINAL CREDITORXXXX XXXX XXXX ) : XXXXXXXX XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX ) : XXXX, 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 an 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 that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter to the credit bureaus as well as to the credit debt agency no one responded or sent any letters. I have asked twice for this. The credit bureaus said its an address on my account that the bill is attached to but, would not tell me the address. Which is strange. My current address is on my report report and I have asked many times to remove all other addresses attached me as this is not my home address.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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

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 2023-05-27
Company: Experian Information Solutions Inc.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$7400.00}.

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 2017-05-11
Company: EQUIFAX, INC.
State: CA
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:
I can no longer get access to my credit report  ( s )  from ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my repo rt ( s ).      I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 busine ss days. I further DEMAND that all the disputes be FINALLY, corrected and updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: KEYCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
From XX/XX/XXXX through XX/XX/XXXX My debit card from Key Bank was fraudulently used by another party. He is a XXXX yr old XXXX name XXXX XXXX. He got my information from stealing it. I have a recording of him admitting he stole the information. I closed the card and filed a complaint with the XXXX XXXX Ohio Sherriffs Dept. I spoke to the fraud department with my bank and provided them with all the information. Key bank initially refunded me and then all of a sudden recently reversed the charges which put me in the negative {$1800.00}. I immediately called the fraud department back and asked what this was about. I was told that there was conflicting information. I said what conflicting information? I was then told that I said I had never used XXXX XXXX ( which there are unauthorized charges from XXXX XXXX ) but I in fact had. I got a bit irate because I NEVER said that. I specifically told the rep at the time which was mine and which wasn't. I refuse to be held accountable for this. I did everything I was supposed to do. This was NOT my fault but yet I'm being treated like the XXXX Something has to be done about this. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Kramer & Frank, P.C.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  judgment with lawyer at Kramer and frank my debt consolidation program has been trying to reach their office since XXXX they dont return phone calls I ve tried left messages with no luck just want to pay them in full they are still on my credit report harassing my life and my progress forward they are terrible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On Monday  XXXX   XXXX ,   XXXX  , I initiated an " instant transfer from my  PayPal account to my commercial bank in the amount of {$6200.00}. I was informed that the transfer would take " up to one business day '' to complete. After two b usiness days on Wednesday,  XXXX   XXXX ,   XXXX  , the transaction was still listed as " pending ''  by PayPal. Some how, I was able to speak to a PayPal re presentative who had no explanation for the delay but assured me the transaction was in order and would be completed soon. Today, Thursday,  XXXX   XXXX ,   XXXX  , the transaction is listed as completed but my bank has no record of the transfer and the funds have not been credited to my account. A record ed PayPal message informed me that it may take three to four business days for the bank to process the transfer. PayPal has completely misrepresented their service, a service I will never use again.

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 2017-05-11
Company: Experian Information Solutions Inc.
State: CA
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:
I can no longer get access to my credit repor t ( s ) fr om ANY of the  XXXX  credit reporting bureaus, now that I have filed complaints against them. I find this punitive and very bad business.     I DEMAND access be reinstated online through the portals that they set up, and of which I have an account. I need to make sure that they are investigating my submittals and demands that they correct and update my information.     I have lost the ability to purchase the home I wanted, because they continue to play games with my rep ort ( s  ).     I demand access be reinstated, and new reports AND scores be sent via postal mail within  10 bu siness days. I further DEMAND that all the disputes be FINALLY, corrected and updated.

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 2023-01-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2022 I sent a {$28.00} to a rescue on PayPals site. I chose friends and family option so the rescue doesnt incur extra fees. I entered {$28.00} and hit next and send. All of a sudden screen started moving really fast and was acting very glitchy. I got an message on messenger saying that I paid {$280.00} to this rescue. I right away called Pay Pal and was on hold 30 minutes than customer service person told me it was too late to stop the payment XXXX. It was already sent. I find it hard to believe that payment was sent within 30 minutes. I was told to have my bank dispute it. Pay Pal brushed me off and put the problem on my bank XXXX XXXX  XXXX. I filed a dispute with XXXX XXXXXXXX XXXX which after 90 days of following up, resubmitting again gave no results. The bank said we cant do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 u.s. code 1681N. the bureaus is not complying, and hold inaccurate information. I WILL SUE FOR {$1000.00} PER VIOLATION. 


THERE IS INFORMATION ON MY CONSUMER REPORT THAT IS A RESULT OF IDENTITY THEFT. I DID NOT GIVE ANY WRITTEN PERMISSION IN ACCORDANCE WITH FCRA TO HAVE THE BELOW IDENTIFIED TRANSACTIONS FURNISHED ON MY CONSUMER REPORT. PLEASE BLOCK THE REPORTING OF TH IS INFORMATION. THE IDENTIFIED TRANSACTION ARE NOT RELATED TO ANY TRANSACTION BY THE CONSUMER. THIS BLOCK IS NOT BEING MADE IN ERROR, OR ON THE BASIS OF A MATERIAL MISREPRESENTATION OF FACT. I AM IN FACT, REQUESTING THIS BLOCK ON BEHALF OF MYSELF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A  Discover Card re presentative called me today about an outstanding balance on  XXXX  credit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with Discover and have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with Discover back in  XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the phone3 call today I 've learned that they did n't close out the card and that there are  XXXX  additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in  XXXX  that they were fraudulent. In  XXXX  I was advised by  XXXX  to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these  XXXX  accounts closed as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-24
Company: CMRE Financial Services, Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
XXXX sent my account XXXX to collections for {$1300.00} on XXXX XXXX. I disputed this account in XX/XX/XXXX XXXX XXXX, who also confirmed with me on XX/XX/XXXX, that this account was disputed and should have not been sent to collections. I decide to pay {$1400.00} for collection as i did not want this to affect my credit. I called XXXX XX/XX/XXXX to see why my credit report has not been updated, XXXX stated they have not receive any information that my account was paid in full. XXXX lied and said they did XX/XX/XXXX, that clearly didn't take place. 

XXXX TO SENT ME THE INFO I REQUESTED IN XX/XX/XXXX. 
XXXX FAILED TO SEND ME NOTICE PAID IN FULL CMRE- FAILED TO SEND REQUEST TO CREDIT BUREAUS TO HAVE ACCOUNT REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: EQUIFAX, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation