BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 noticed unauthorized inquiries from : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX 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 2023-07-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-03
Company: Credit Control, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I paid a debt to XXXX XXXX XXXX  XXXX in the amount of {$330.00}. I have a copy of my bank statement confirming the payment. I have continued to get collection notices from Credit Control LLC for nearly a year regarding the payment. I have sent them copies of everything, called them, written them to no avail. This is negatively impacting my credit score and I am getting nowhere with them.

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 2023-08-22
Company: Source Receivables Management LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Get a call from Source Rec mngt everyday Im not sure whats its about but I looked it up and it is about debt I dont know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal send me an email that I am permanently limited to use PayPal. Because of that I can't withdraw my funds and received payments from my clients. I ask them what is the main reason, but they did not give any. I give them all the documents to confirm my identity such as passport, Contact number, bank accounts, profession and Certificate, but still, they did not restore my account and they hold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX is in violation of the following : 15 U.S. Code 1681b - permissable purposes 15 U.S. Code 1681c - information contained in consumer reports 12 CFR Section 1022.3 - identity theft Plus, the account has been fully discharged, settled and satisfied.

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 2021-04-03
Company: Key 2 Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing credit reports from XXXX, XXXX, and XXXX  on XXXX XX/XX/XXXX, Key 2 Recovery Inc inserted a collections entry from XX/XX/XXXX for {$390.00} from XXXX Community College. I contacted the Cashier 's Office at XXXX Community College on XXXX XX/XX/XXXX which verified there is no outstanding debt of any type. 

This collection entry, which is indeed the result of identity theft from the XXXX, XXXX, and XXXX data breaches, is currently in dispute with all three credit reporting services. It is because of identity theft it is necessary for all three to remove the inaccurate information at not cost, per Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: SinglePoint GI
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not given notification to dispute this debt. Not only that, on my credit report because I reached out to them directly, told me that they had to speak to my school regarding the matter. That was false information they were telling me as they are reporting as of XXXX XXXX that I owe XXXX when in fact I have a letterhead from the school directly saying I owe nothing on the account and I received the letterhead before the date of XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to open up a bank account I was told there was one already open under my name at the bank I went to that I never gave anyone consent to open. Please remove these unknown items from my report immediately. 

XXXX XXXX XXXX {$420.00} XXXX XXXX-XXXX {$620.00} XXXX XXXX-XXXX {$420.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$92.00} 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 2023-08-23
Company: Mediation Recovery Center
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company MRC, Mediation Recovery Center, sent a letter dated XX/XX/XXXX but we did not receive till beginning of XXXX. It stated that they had " made several attempts to reach you to resolve your XXXX XXXX XXXX  account that is significantly past due. '' The amount they claimed owed is {$5900.00}. They requested payment in full by XX/XX/XXXX or give notice as to reason for non-payment. This was the first communication we had ever received from MRC. If they had called they never left a message and we do have it set up that people can leave voice messages for us if we don't answer the phone. 
I had never received any statement from XXXX XXXX XXXX saying we owed any money and all medical bills have been paid. 
I reached out to the account manager that sent the letter as a phone number was by the name. That number was not MRC and had no idea who or what I was asking about. I then called the number to make a payment and spoke to a someone. The only information she would give was that it was from XXXX of XXXX for a XXXX XXXX. Never having had XXXX XXXX I furthered question and she gave me the name of my XXXX XXXX surgeon. I asked for a copy of the original billing and was informed she could send it to me via email as soon as I gave her my email address. When I requested that I wanted it in the mail she refused and said it had to be via email. I would not give my email to her and she was very rude and said I would need to talk to my doctor. 
I reached out to the billing department of my XXXX doctor and as well as hospital where I had XXXX for my XXXX XXXX in XXXX of XXXX. They had no record of me owing this amount or the name of the company claiming I did. 
I then contacted MRC again to request in mail a copy of the original billing as the billing offices had said they are required to send it or it would void what they are trying to collect. At this time when I called MRC I was immediately transferred to someone hire up. I tried to explain what I was wanting and he would not allow me to talk even when I asked him to listen. I was told I was a child, I didn't know how these things worked, and I was not allowed to ask or make any demands, that I was in no position to do that. I asked repeatedly for him to listen to me as I was requesting a copy sent in the mail or it would be voided. Again he would not allow me to speak, speaking over me as I was trying to talk, belittling me. At that point I hung up. 
I then contacted the insurance company that I had three years ago to see if they had any record of this amount. They were able to pull up my records from the summer of XXXX and did not see a claim for {$5900.00}. 
At this point I am at a loss as how to proceed as I am feeling threatened for owing an amount that we honestly never received a bill for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I am writing to complain about several unauthorized inquiries on my TransUnion report. I sent an FTC in XXXX and they have yet to remove this inquiry from my credit profile. I have been more than patient and have sent over 6 rounds of dispute letters. Isn't it illegal to ignore a consumer 's request? I have also reached out to the lenders and they advised me to contact all three credit Bureaus which I did. Transunion is the only one that has ignored my request. I have attached FTC for records

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 2023-08-05
Company: EQUIFAX, INC.
State: PA
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:
Credit bureaus still report an old account that the first negative markings are far older than 7 years. Per the fair credit reporting act the account, XXXX and all negative reports associated with the XXXX were to be removed by the 7 year mark from the date first reported for the negative remark. Rather than removing the XXXX  as required by law, the bureaus just update remarks on the report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My account has a unknown credit report by XXXX XXXX  whis is not opened by me and a wrong 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 2023-06-12
Company: Paypal Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought a pair of pants from XXXX and used the pay in 4 method from Paypal. The pants were never delivered and the order was refunded to my account. They were returned to the sender and XXXX sent me confirmation of the refund and the amount as well as the date. 
I had a case open about the refund with Paypal and they initially did refund the purchase but then decided to take the money back after it was closed. I do not have the pants, PayPal knows I do not have the pants. XXXX knows I do not have the pants and gave me a full refund but Paypal is still billing for the pants. 

Here are the dates of the transaction XX/XX/XXXX initial transaction total XXXX XXXX automatic payment Tracking number where you can see original purchase was returned to sender XXXX on XX/XX/XXXX XX/XX/XXXX automatic payment XXXX XX/XX/XXXX automatic payment XXXX XX/XX/XXXX Overpayment refund of installment plan XXXX XX/XX/XXXX amount remining decreased by Paypal for XXXX $ XX/XX/XXXX amount remaining increased by XXXX XXXX XXXX refund reversal Paypal is charging me again XXXX $ for pants I never received. 

I have all emails, confirmations, shipping information and documents. 
I want Paypal to stop charging me for a pair of pants they know were not delivered. I have communicated this to them many times and can show that also. They did not respond to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Although I am still receiving demands for payment ( s ) from XXXX XXXX { Most recent for XX/XX/XXXX in the amount of {$620.00} attached } for my FL residence purchased from the XXXX XXXX XXXX XXXXXXXX [ a/k/a XXXX XXXX ] through XXXX XXXX XXXX { out of foreclosure }, yesterday, XX/XX/XXXX, I received verbal confirmation from another bank XXXX XXXX [ a/k/a XXXX XXXX ] of the joint accommodation to cash payments made therefore, related to that unilateral modification [ by XXXX XXXX of XXXX in XXXX IL reduced to writing by the XXXX for the OCC ] and thefts of escrow ( {$330.00} ) by XXXX on or about XX/XX/XXXX pursuant to a request of the FL Attorney General, which implied the existence of said mortgage being sent to XXXX XXXX for XXXX XXXX and there is absolutely no accounting of or for same anywhere. Therefore that debt if it does actually exist it does not appear on my Credit Report. All mortgage debt ( s ) ( 4 ) appear closed. If it is closed, then why am I receiving demands for payments from XXXX XXXX endorsed for compensation by XXXX XXXX while no entity is reporting either billing for or receiving payments, therefore? This must be reported on my Credit Report ( s ) and it is not.

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 2020-02-16
Company: Experian Information Solutions Inc.
State: MA
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:
There are 5 credit inquiries on my credit report that I did not authorized, these companies do not have permissible purpose from me. The inquiries are as follow, XXXX  - Inquiry Date ( XXXX ) XXXX XXXX XXXX - Inquiry Date ( XXXX ) XXXX Inquiry Date ( XXXX ) FACTUAL DATA - Inquiry Date ( XXXX ) XXXX XXXX - Inquiry Date ( XXXX ) Delete these inquiries immediately as there is no permissible purpose and by law there has to be permissible purpose in order for a creditor to run my credit. If the credit bureau claims that permissible purpose isnt required, then they are breaking the law and also not obeying the FCRA, I would like to see any documents that the credit bureau has or that it might get a hold of regarding these inquiries, that my signature is on, and that proves that these inquiries were authorized by my person.

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 2021-04-03
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
Applied For Discover Credit Card To Consolidate All Credit Card Balances Because The Offer Applied - & - Approved For Was A XXXX ( 0 % ) APR Balance Transfer Interest Rate For XXXX ( XXXX ) Months Offer Including A XXXX XXXX ( {$20000.00} ) XXXX Credit Limit - & - Initiated The Balance Transfers Upon Receipt Of The New Credit Card, All Of Which Were Initiated - & - Rejected, Including A Payment From My Personal Checking Account To Satisfy The Very First Credit Card Statement Balance Received, Which Was Also Returned, Causing NSF Fees To Be Applied To The Checking Account Payment Was Submitted From, As Well As Returned Payments - & - Fees Incurred To The Credit Card Accounts The Balance Transfers Were Submitted On Behalf Of. Attempted To Contact Creditor, Whom Closed The Newly Issued Credit Card Account Involuntarily - & - Creditor Refused To Speak With Me Or Accept Any Information For Validation, Including Satisfaction Of The Credit Card Accounts Outstanding Balance. Received Correspondence From XXXX XXXX - & - XXXX, PC Today, XXXX rd 2021, Indicating That Discover Bank Has Assigned The Debt To Them - & - On XX/XX/2021, They Have Filed A Lawsuit Against Me In XXXX XXXX Supreme Court, Referencing Index No. : XXXX In The Amount Of XXXX XXXX XXXX XXXX XXXX ( {$6600.00} ) Dollars and XXXX/100 On Behalf Of Discover Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Jcpenney credit card initially gave me a limit of {$300.00}. I would spend {$100.00} and immediately pay right after. I would never hold a balance on the card it was always paid. Around XX/XX/XXXX time I had noticed they bumped my limit to {$700.00} I had went to the store purchased some makeup for {$100.00} the next week I got letters in the mail stating my limit was decreased to {$100.00} thus making me overdrawn on the card. I called them and they could not explain why they did that. And if I didnt pay the XXXX because of the overage fees that occurred I would have my account closed. In XXXX they told me my balance was XXXX now they are stating its 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 monetary relief
Consumer complaint received 2023-06-13
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:
I want to file this complaint to EQUIFAX for allowing fraudulent inquiries on my credit report. I sent them letters several times but no further action has been taken. As I checked my recent credit report, the unauthorized hard inquiries are still being reported. They were supposed to protect my information, but how come to these unauthorized hard inquiries are in my credit report? I have filed an FTC report which I included here with the report number XXXX. 

I sent them a letter dated XXXX which was received and delivered to them last XX/XX/2023, and I called them last XX/XX/2023, and XX/XX/2023 and according to the agents and supervisor my documents were rejected because of the " invalid FTC report '' I called the FTC according to agent in FTC all the information in the report are correct and invalid and could not see any reason why Equifax consider this one as invalid. I called them again dated XX/XX/XXXX and XXXX, 2023 but still were requested to resend again the documents. 

I have also attached all the documents needed to support this complaint. ( updated/revised FTC report , package letters, Driver 's license, proof of address )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-12
Company: Genesis FS Card Services, Inc.
State: AR
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, 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
94

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: ONLINE Information Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my XXXX credit score and it went down XXXX points due to a collection that did not belong to me. The company is Texas based called XXXX XXXX. I live in XXXX, AL and we do not have that provider here in Alabama. The account is in collections for {$590.00}. I have issued a dispute with XXXX. This has happened before, so I placed an alert and froze the account. This fraud still happened. It's an individual account and ends with XXXX. I called XXXX and they could not provide account number or any specifics. It states the first delinquency was XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
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 started out by disputing this inaccurate late payment with XXXX in XX/XX/2018. I have still yet to get a proper investigation of this matter with either XXXX or XXXX and Equifax. Ultimately it is now on XXXX and Equifax to remedy the problem because they are reporting the inaccurate item. The creditor XXXX tells me to contact credit bureau and the credit bureau tells me to contact XXXX. Both companies point fingers and do not do anything to help me out. As you can see from my attachment I have added my current dispute which was send on XX/XX/XXXX.In addition it has a copy of my Equifax online credit report which shows that this late payment is not even reporting on my XXXX account and hasn't been ever. It doesn't not make sense for a late payment to report on 2 of the 3 credit bureaus especially if it claimed to be accurate after your investigation. I was not late on this account and it is impacting my current profession significantly and needs to be addressed properly.

Company response to consumer: Closed with explanation