BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
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. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX Networks : last XXXX of the account number # XXXX. On XX/XX/XXXX I XXXX XXXX about XXXX am called XXXX bank [ Phone Number XXXX ] talked to customer service representative XXXX XXXX and he advised me there was no account or account number ending in XXXX for the amount of {$3600.00} and a credit limit of {$1700.00}. So i couldnt provide you guys with a complete account number if there isnt an account that exist. XXXX XXXX also stated that everything was be recorded. So you guys will have record of that also. The account was supposedly opened on XX/XX/XXXX. According to XXXX XXXX XXXX ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. XXXX XXXX XXXX section XXXX A. XXXX 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 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-03-12
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: Account information incorrect

Complaint:
Delete these hard and soft inquiry from my report never gave companies written permission to pull my 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 2017-09-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Neither of the 3 Agencies websites, or phone options are available to the consumer for freezing a credit file. 

A notification should be sent to all of the individuals compromised. 

The entity that failed to protect the confidential information needs to be held responsible for damages, and in initiating the freeze with the other agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-03-12
Company: eToro USA LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I signed up to eToro and invested in Bitcoin and Etherium. After a few weeks, they emailed me saying that they wanted me to send several pictures of my i.d . I responded saying that I did not want to send them any more personal information or i.d., and that I wanted to withdraw all my funds. They responded by saying they would remove my funds from the market and send them back to my bank. They never sent my funds back to my bank. I have tried withdrawing my funds ( {$1800.00} ) myself several times but only get an error message : We were unable to submit your request. Please contact customer service for help. I have emailed customer service but get no response. 
I tried calling customer service but only get a recording. 
They have my money and have locked my account. In the meantime they are making money on my money, and I have lost money because my money is locked up. Please help. 

XXXX XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-25
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX reported a late payment in XXXX to equifax. 
The acct has been closed for years, there is no way i have a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Paypal Holdings, Inc
State: GA
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 refuses to close my Paypal account and provide me assistance with closing my account. I called Paypal on XX/XX/2022 twice, once at approximately XXXX and again, XXXX. I got hung up on two times and had to call back.

I called to request to close my account both times and I was told that I have a pending crypto balance in my Paypal account and this is the reason I could not close my account, However, both times when allegedly transferring me to the Cryto department of Paypal to assist with closing the PayPal account, I was hung up on.

Thus, I am unable to close my Paypal account and unable to close my crypto account with Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
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 belongs to someone else

Complaint:
I HAVE BEEN A VICTIM OF IDENTITY THIEF SOMEONE HAS GOTTEN HOLD TO MY PERSONAL INFORMATION I AM XXXX AND I'M XXXX YEARS OD AGE I NO NOTHING ABOUT THIS FRAUD STUFF PLEASE HELP ME

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 2023-09-06
Company: Experian Information Solutions Inc.
State: CT
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: 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 the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX  XXXX XXXX XXXX : {$0.00}.

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 2023-06-26
Company: EQUIFAX, INC.
State: LA
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 pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Rozlin Financial Group, 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: Reporting company used your report improperly

Complaint:
The original creditor was XXXX, account number XXXX. The current creditor is Rozlin Financial Group , Inc. account number XXXX. They say this debt originated XX/XX/XXXX. 


I received a response from RFGI requesting additional information to properly investigate the claim. The following information was provided to RFGI on XX/XX/XXXX ( Copy of the FTC Identity Theft Report, Government Issued ID, and Utility Bill ) via email ( XXXX ) I would like to have this removed from my credit report.

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 2023-06-26
Company: EQUIFAX, INC.
State: MI
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:
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. 

Account name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: National Credit Systems,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 sent a letter on XX/XX/2022 to National Credit Systems. My tracking number was XXXX. However the letter was sent back and the address was listed as unknown, although the address is on my credit report. 

According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.

The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know whose address is on my credit report under National Credit Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: EQUIFAX, INC.
State: LA
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 submitted proof that my account with XXXX XXXX XXXX was paid off in full. Equifax continues to report the status as charge off when I have submitted documentation on 3 separate attempts that it is paid in full. They continue to say they will reach out to the institute and then update account. The institute has advised they have not been contacted and has sent me a receipt multiple times of which I will also attach. the account needs to be updated as paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03
Company: RentDebt Automated Collections, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Rent debt Automated Collections is currently reporting on a debt, in the amount of {$4100.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Rent debt Automated does not own the debt. I have a contract with XXXX XXXX not Rent debt automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: LEXISNEXIS
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:
RE : Consumer Number : XXXX I, injured consumer, XXXX XXXX, did not authorize ANY consumer reporting agency to report, house, furnish, compile or exchange my personal information with anyone, including : third parties, affiliates or other entities on my behalf. I have never given LEXIS NEXIS consent or have I ever received proper disclosures allowing me to opt in to doing so. To my knowledge, LEXIS NEXIS does not have any expressed or implied contracts with my written signature authorizing them to do so. This letter serves as notice that you are hereby willingly and intentionally committing fraud by way of identity theft. As a consumer, the law protects my rights as a consumer and offers me protections as outlined by Congress against crimes such as identity theft. According to the Fair Credit Reporting Act subchapter F subsection 603.2, it defines identity theft as a fraud committed or attempted using the identifying information of another person without authority. Pursuant to 15 USC 1681b - you do not have permissible purpose to do so ; nor do you have authority to do so. Pursuant to 15 USC 1681c2 this information must be blocked and removed within 4 days. How did you obtain my personal information? Please provide me with your proof of authority to do so. Instruct all agencies, companies, affiliates and corporations you are actively furnishing any information to on my behalf, to remove it immediately and permanently. I have also attached a copy of the required FTC Identity Theft Report number : XXXX for reference. I have also included Form 14039 Department of the Treasury XXXX IRS Identity Theft Affidavit. No additional documentation is needed to authenticate my request or meet my demands as stated herein.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 XXXXXXXX, violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

States I have ( he 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 wilhout my writen instructions.

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 2022-12-17
Company: EQUIFAX, INC.
State: AL
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 credit score keep dropping due fail to investigate they stated it will be removed off my credit report still dropping my credit score due to this false information an someone's reporting me deceased cause me to not have credit if my date of birth on Equifax is 1984. An then someone reported false information to uptain credit everything need be deleted from my credit report false information illegally dropin my credit allowed them to report this on my report just drop XXXX points now it drop again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: MD
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 XXXXXXXX, violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

States I have ( he 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 wilhout my writen instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a chair from XXXX  XXXX customer service on XX/XX/2022, in the amount of {$1000.00}, sales-check XXXX, receipt number XXXX, case number XXXX delivery date XX/XX/2022. However, when I purchased the furniture, I provided the customer service rep XXXX XXXX with voucher information in the account of {$580.00} but it was not applied to my account/order. Can you please assist me with resolving this issue to adjust my account balance to reflect the credit provided? 

Very frustrated, 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 2022-10-09
Company: AMERICAN EXPRESS COMPANY
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 information incorrect

Complaint:
XXXX has been reporting a fraudulent account on my credit profile for 7 years as a charge off. Theyve been supplied with a police report, as well as an identity theft report and the information has not been removed. They are also in violation of the reporting term. For any closed delinquent account of 7 years it should automatically be removed from your credit report, and is still reporting on mine. This account is also a charge which means they received a tax credit from the IRS on the account with form 1099 C and the account balance should be XXXX. They are no longer legally able to collect on this account.

American Express is reporting a charge off with a balance of {$7000.00}. This is incorrect the balance is XXXX  as the account has been accommodated for by the IRS via a 1099 form. This account has also been paid in full since XX/XX/2022 and was overpaid so a check was sent out for {$30.00}. Theres been no late payments on this account and the balance is XXXX. 

XXXX XXXX payment history is incorrect and no later payments have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief