BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-20
Company: Thunderbird Collection Specialists, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/2019 - Statement date from original provider XXXX XXXX with a 30 day payment expiration notice, amount owed/balance of account on statement {$300.00}. 

XX/XX/2019 - Notice of collection from Thunderbird Collection specialists ( TCS )  demanding payment for {$8200.00} Notice of collection dated three weeks prior to payment due date from original provider. 

The original provider was contacted and I was told that I had no choice but to talk to collection agency, despite the statement notice did not expire until XX/XX/2019. 

XX/XX/2019 - Validation letter was sent to collection agency, ( TCS ) requesting validation of the account. Validation requests included itemized account of charges, ledger, proof of services, my signed authorization for this specific account. I have not now nor have I ever sought medical services from the provider and am confident that no such medical agreement exists. I have requested this documentation and the provider and now collection agency will not comply with my request. 

XX/XX/2019 - TCS responded to validation letter and only provided a statement balance. The did not provide any of the debt/account validation documents requested. 

XX/XX/2019 - I was contact by a representative XXXX by phone at XXXX XXXX, XXXX phone no. XXXX. XXXX identified her self as Calling with " TCS representing their client XXXX XXXX. TCD did not identify themselves as a collection agency. TCS representative stated if you do not pay this we will move forward with this case in favor of our client. When asked for clarification on what she meant by this statement, she replied again that they will move forward with this case in favor of their client. I responded that I will send corresponded in writing. Representative XXXX then began to ask me multiple times over and over again have you ever been sued for debt you owe I asked her what she trying to imply, and she continued to threaten to sue me. 

She specifically referred to XXXX XXXX as her " client '' and that they would mover forward with the " case favorable to their client '' then threatened multiple times to sue me. 

Attached is all that I have received and the dates are inconsistent and the actual services/account unfounded.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: NY
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 would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVEDXXXX 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 2023-01-31
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I bought a printer and a laptop from Best Buy on XX/XX/XXXX on credit, at the time of purchase I did not know I had to have a membership with Best Buy before I could shop in the store so I was charged a membership fee of {$200.00} in addition to the price of the items. On XX/XX/XXXX, I paid off the balance of {$1700.00} which included the membership fee. The store sent me a receipt that my account balance is XXXX on XX/XX/XXXX. 
On XX/XX/XXXX the store sent me a bill of {$250.00}, though I had not bought anything from the store since my last purchase which had been paid off. I contacted them on this bill and I was told it is membership renewal fee, and I told them I don't need the membership so I want it cancelled. On XX/XX/XXXX, I received a confirmation that the account has been cancelled. 

On XX/XX/XXXX I still received a bill for {$83.00}, I called them back to dispute the bill, I was told the account has been cancelled. Since then the store ( BestBuy ) and XXXX XXXX who manages their credit system have been harassing me with mails threatening me to pay this amount that I do not know anything about and every dispute to them doesn't work. I need help to stop both Best Buy and XXXX XXXX from demanding money I do not owe from me. 
Thanks.

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 2021-04-05
Company: EQUIFAX, INC.
State: WA
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 am trying to get my auto loan reported to the credit agencies so it appears on my credit file but am being told that the bureau won't accept the data because the auto dealership does not have enough records to report. What are people supposed to do who live in small communities if the credit bureaus only service large entities? This affects my ability to build a credit profile which ultimately affects my ability to access credit. It's discriminatory and should not be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking and removing of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20
Company: U.S. BANCORP
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
Around XX/XX/XXXX, I saw a suspicious charge made to my credit card. I called in and got new card mailed. I was waiting for that new card for a while, and I didn't get any phone call/ text/ email from the company. On XX/XX/XXXX, I was checking my account, and saw someone activated my new credit card and have been using it. So, I reported right away, cancelling that credit card. The next day, I called in again, and got a new card issued ( and this one I have with me now ). About {$2000.00} charges were made to that stolen card. And that card, I never received it. Then, I haven't heard from them for a while, so I called in again regarding the process, and the company told me that they send some letter regarding the dispute. Then, I found out that the claim that I made on 19 purchases from unknown party using the stolen credit card during the dates of XX/XX/XXXX - XX/XX/XXXX ( totaling {$870.00} ) were reversed on the XX/XX/XXXX. After I found out through the letter received end of XX/XX/XXXX, I saw that the reason that these claims were reversed was because they claimed that I somehow " benefited from the transaction by either receiving services and/or merchandise from the merchant '' from a stolen card. I called in for few weeks regarding these reversed charges, but I heard various reasons from the employees, like I may have another cardholder using it ( which I proved that it was not the case, as both cards ( I share with another person ) went missing together ) and fraud not being viable, since the other party activated knowing my personal information ( the lady explaining this weren't hearing my case at all, just arguing that this is my fault ). Last time I called in again regarding this reversed claims and tracking number of the previous credit card package, and the lady on the phone firmly said that the case is closed and don't have access. She just referred to another department to call in regarding the case, which I haven't got a call for few days.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2021-04-05
Company: MoneyLion Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I made 2 final payments, one was XXXX and one was XXXX. Website states in loan description I would have my money 10-14 days, they changed the quoted time frame with no notice to 14-20 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has refused to put a freeze on my credit report! 
XXXX Experian XXXX are committing fraud I have never filed a chapter XXXX bankruptcy! These 3 credit bureaus are hostile when you call them they are refusing to remove the false fraudulent report of a chapter XXXX! The court papers state THERE WAS NEVER A MEETING OF THE CREDITORS MEANING NO MEETING WITH THE CREDITORS NO BANKRUPTCY! In order for a bankruptcy to proceed you have to meet with the creditors The court papers from the judge that was mailed to all 3 companies says clearly THERE WAS NO MEETING OF CREDITORS! Remove the report of chapter XXXX bankruptcy immediately this is fraud, slandering lies intimidation! If all 3 credit bureaus continue this fraudulent report all XXXX companies are agreeing to pay me XXXX XXXX XXXX dollars! Cease and desist the credit bureaus report of a chapter XXXX bankruptcy! I do not owe medical bills I have XXXX & XXXX I never get bills and the credit bureaus continue committing fraud by allowing report without verification! Remove the collection allegations if you do not discontinue this non verification reporting you are agreeing to pay me XXXX XXXX dollars for slander fraud intimidation damages cease and desist reporting as of XX/XX/2021

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 2019-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
My credit report from XXXX shows one name and two active Bank of America credit cards that are unknown to me. 

XXXX says the information were reported to them by BOA and I need to contact BOA for clarification. 

BOA says they do not find the information shown on my credit report in their system and I need to work it out with 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 2021-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit agencies are not complying with their own policies 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 explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested that the wrong addresses that do not belong to me be removed from my credit report. I have sent letters and go no resolve on the following dates this year : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Equifax, XXXX and XXXX has not complied with my request I demand these addresses that do not belong to me be removed immediately. 

Equifax : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I sent via certified mail to Equifax that they are in violation of 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave Equifax any written consent to report anything on to my consumer report, no consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Paypal Holdings, Inc
State: TX
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 closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Call Transunion XXXX XX/XX/2020 call to dispute and call USBK court Nevada.

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 2020-02-08
Company: Experian Information Solutions Inc.
State: CA
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:
MY right under the FCRA Section 609 and Section 604 I request a method of verification. I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?

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 2023-09-05
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax, is illegally reporting my credit information to XXXX XXXX XXXX XXXX XXXX On a monthly basis without my knowledge? 
XXXX XXXX didn't pull my credit report because there is a freeze on it? 
In return even though I have never missed a payment and at this time I had over half of available credit on this card. 
Based on this information that they Illegally obtained from Equifax they reduced my credit limit? 
Equifax is selling my information and want to sue them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
To the PayPal Appeals Team, I hope this message finds you well. I am writing to formally appeal the permanent limitation that has been imposed on my PayPal account ( XXXX ). I believe this limitation is a result of a misunderstanding or an error, as I am confident that I have not violated any PayPal policies or engaged in any unauthorized activities. 

I have been a loyal PayPal user for [ duration ], relying on your platform for secure transactions and seamless online payments. It came as a shock to me when I received notification of my account 's permanent limitation. I have always strived to adhere to PayPal 's terms of use, conducting transactions with transparency and integrity. 

I kindly request PayPal to conduct a thorough re-evaluation of my case. I am confident that upon review, you will find no evidence of any policy violations from my end. I have always valued the trust that PayPal places in its users, and I am committed to upholding that trust. 

I understand that PayPal 's primary concern is ensuring the safety and security of all transactions and accounts on its platform. I share this concern and assure you that my account activities have been and will continue to be in line with PayPal 's guidelines. 

I kindly ask for your prompt attention to this matter. My PayPal account has been an essential tool for both personal and professional financial transactions, and its limitation has caused me significant inconvenience and distress. I firmly believe that a mistake has occurred and that a fair investigation will lead to the reinstatement of my account. 

I appreciate your understanding and cooperation in this urgent matter. Thank you for your time and consideration. I look forward to a positive resolution and the restoration of my PayPal account. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was an account holder of Discover Bank and my account was closed in XX/XX/XXXX and charged off according to my XXXX credit reported dated XX/XX/XXXX, since I didn't know how to remit for my legal and equitable interest at that time. I requested from Discover multiple times a copy of my 1099C and full accounting according to GAAP using GAAS and I was ignored and denied and to date Discover has not provided me with a copy. 

I have evidence Discover sold the account to XXXX XXXX XXXX and received a letter they were trying to collect a debt for Discover Bank on the account on XX/XX/XXXX. I vaguely remember this was not the first time a collection agency attempted to collect debt. Discover then assigned the account to XXXX XXXX XXXX, a debt collector and I received a notice from them in XX/XX/XXXX. Discover is now pursuing me with a lawsuit in XXXX XXXX XXXX XXXX to collect {$7000.00}, plus 5 % interest, penalties, fees and attorney fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-05
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: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation