BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
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:
This is my fifth 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, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2200.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed XXXX {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXXXXXX XXXX XXXX : {$2700.00} ; XXXX XXXX Balance Owed XXXX {$380.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; 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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This Credit Reporting Agency ( CRA ) keeps furnishing inaccurate and incorrect information despite multiple disputes. They keep telling me that information has been " verified '' however the loan servicer has CLOSED and no longer has anyone working for them who can " verify '' anything. My new loan servicer states they do not see any late payments and that I need to contact the original loan servicer ( XXXX ) but XXXX is CLOSED so I can not request any copies of letters or request debt validation. 

I have multiple accounts ( tradelines ) posting to my credit report for XXXX XXXX XXXX and EACH account is showing 90 days past due for XX/XX/2019 and 120 days past due for XX/XX/2019. Specifically : XXXX XXXX tradeline with balance of {$15000.00}. Comments " dispute resolved. '' This dispute was never resolved. Shows 90 days past due in XX/XX/2019 and 120 days past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$57000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' XXXX XXXX tradeline with balance of {$36000.00}. Comments " consumer disputes after resolution. '' There was no resolution. Shows 90 days past due in XX/XX/2019 and XXXX past due in XX/XX/2019. On the 90 day late line-item the CRA reports XXXX invalid date. '' Please update these accounts to reflect the accurate information. You are unable to verify information because XXXX has closed. I am unable to request debt validation or request a payment ledger because XXXX has closed. I can not log into my former online account to retrieve letters to support this dispute because XXXX has closed.

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 2023-11-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A .Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 .U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information .Any other adverse item of information, other than records of convictions of crimes which antedsates 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 non-monetary relief
Consumer complaint received 2023-11-18
Company: W&A Intermediate Co., LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The original creditor, a XXXX  using XXXX XXXX for billing, never contacted me directly to share that the insurance denied payment because they incorrectly billed an out of network code, instead of the in network code for the doctor. The procedure took place on XX/XX/2022. It took over 21 months and over 30 calls individuals to identify that the creditor listed, XXXX XXXX, is not the creditor that is owed. 

The creditor, XXXX XXXX, was never listed on the collection notice. XXXX XXXX is the location where the medical procedure was performed. After several calls and email to Wakefield Associates ( debt collection ) and XXXX  ( creditor ), I have not received any responses to correct the medical bill issue. XXXX has been unresponsive to phone calls and emails ; the doctor that analyzed the results is not reachable and Wakefield Associates has never responded to any dispute inquiry email that has been sent to them. They claim that they responded via mail but USPS has no record of any mail being sent to my address. My insurance company needs for the bill to be corrected so it can be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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 XXXX  Account # XXXX XXXX  XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: Exeter Finance Corp.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
In this situation, the signature on the auto contract doesn't match mine, suggesting it might be a forgery. This brings into question the legitimacy of the account tied to this contract, as there isn't a valid contract with my authentic signature. A contract is void if it has a forged signature since it's missing the necessary consent from the parties involved. Therefore, I assert that I no longer own this account because there's no valid contract with my signature. This issue raises serious concerns under Georgia 's forgery laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
XXXX XXXX XXXX [ Consumer Protection Bureau Department ] Subject : Complaint against PayPal regarding Account Suspension and Funds Hold Dear [ Consumer Protection Bureau Department ], I am writing to file a formal complaint against PayPal regarding the sudden and unexplained suspension of my account, associated with the email address [ XXXX ], and the holding of funds amounting to XXXX Euro without valid reasoning or communication from our both sides account. 

On [ XXXX XX/XX/XXXX ], I made a payment of XXXX Euro to my supplier, whose PayPal account is [ Supplier 's PayPal Account : XXXX ]. Following this transaction XXXX both my supplier 's and my PayPal accounts were blocked without any specific explanation or prior notification. 

The actions taken by PayPal have caused severe financial distress and disruption to our business operations. Despite numerous attempts to communicate with PayPal support, we have not received adequate clarification or assistance in resolving this matter. 

I believe this sudden suspension and holding of funds without a clear explanation violates PayPal 's policies and our rights as users. We have been loyal customers of PayPal since XXXX, maintaining a good standing and compliance with their terms of service. 

I kindly request the Consumer Protection Bureau Department to investigate this issue thoroughly and help facilitate the release of the held funds to restore normalcy to our business operations. Additionally, I seek clarity on the specific reasons behind the account suspension and the steps required for resolution. 

Enclosed with this complaint are the relevant transaction details, screenshots of communications with PayPal support, and any other pertinent documentation supporting our claim. 

I hope for a prompt and fair resolution to this matter and am open to providing any further information required for the investigation. 

Thank you for your attention to this urgent issue. I look forward to a favorable resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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 XXXX  Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
writen letters sent requesting that the Credit Bureaus remove the following inquiries from my Credit Report. Nevertheless, the Credit Bureuas consciously denied and neglected the letters I sent which is a clear violation of the FCRA regultions. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my requests should result in immediate removal of the unauthorized inquiries below : XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/20XXXX 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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have informed Transunion their inaccuracies in reporting on my current credit report. Referring to my consumer rights according to the consumer laws. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In response, they added XXXX more late payments to XXXX XXXX XXXX XXXX which was paid back in XX/XX/2020. Which further more proves my dispute that they are inaccurately reporting on these XXXX accounts. They have not provided legal backing on why they are continuously illegal and unlawfully reporting on my credit report. I would also like to state that the other XXXX credit reporting agencies XXXX and XXXX are reporting my XXXX XXXX XXXX XXXX account as agreed. This is not Transunion first time reporting inaccurate information on my credit report. Complaint # XXXX. Transunion is causing me financial harm by continuously reporting inaccuracies. In return is affecting my approval chances of credit products. I would like these things deleted immediately. This is causing XXXX XXXX  I asked Transunion to lawfully remove the late payments.

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 2023-03-06
Company: Bread Financial Holdings, Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took out an XXXX credit line through XXXX XXXX out of XXXX, OH to pay for a XXXX XXXX XXXX XXXX XXXX I had my debt paid in full in XXXX of 2022 when I could afford it and had previously paid increments. This final payment was a couple of days late, but they did not apply the late fee, so I paid the full amount. Following this, they applied a late fee that I was unaware of and after my balance was brought to {$0.00}. Since then, they have called me numerous times to " Collect a debt '' that I did not owe and used interest to raise my bill total to now over {$250.00}, and brought my credit score down by XXXX  points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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 XXXX XXXX # XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: EQUIFAX, 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:
I am writing to file a formal complaint and dispute regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Regrettably, Equifax has not responded to my inquiry. I kindly request your assistance in resolving this matter in accordance with the Fair Credit Reporting Act.

Upon careful review of my credit report, I have identified several instances of inaccurate information that require immediate correction. The following are the details of the inaccurate information and the required corrections : 1. Account Name : 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 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 non-monetary relief
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) 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 2023-07-02
Company: EQUIFAX, 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 XXXX  accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX DEPTEDXXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 hope this letter finds you well. I am writing to bring to your attention a matter concerning unauthorized hard inquiries on my credit report. After reviewing my credit report, I discovered that there are inquiries that I did not authorize or provide consent for. 

Below are the details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion I would like to emphasize that I did not apply for credit with the mentioned creditors on the specified dates. As such, I request that these unauthorized hard inquiries be promptly removed from my credit report to ensure the accuracy of the information. 

According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unauthorized information on their credit reports. I am exercising this right in the hope of maintaining the integrity and accuracy of my credit history. 

To assist you in your investigation, I have enclosed copies of my credit report with the unauthorized inquiries highlighted. I kindly request that you investigate this matter promptly and inform me of the results. 

Enclosed documents : Copy of Credit Report with Highlighted Inquiries Please provide a written response within 30 days, as stipulated by the FCRA, to inform me of the actions taken to rectify this matter. If the investigation reveals that the inquiries were indeed unauthorized, I request written confirmation of their removal from my credit report. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue in a timely manner.

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