BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX credit reports after I disputed the account which showed up on my XXXX credit report several months ago as well, so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX and Transunion credit reports tied to my name and social security number. 

The information for this account listed on my credit report is : CREDITOR : XXXX XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00} CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$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 non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: NJ
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 recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: Persolve, LLC - Legal - Series 2
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/19, after filing a complaint about Account Resolution Services, I learned they are trying to collect a debt that should be issued to my daughters father. Im not married or never was married to her father. We do not live together. My daughters father XXXX XXXX, received all the bills, signed financial responsibility for this debt. The bills went to his home address, and he did not pay them. Account Resolution Services put this debt on my credit report not XXXX XXXX credit report. I was never given the opportunity to resolve this and now they are not reporting accurate information. The debt is for XXXX XXXX. I did not sign financial responsibility for this debt, this was not on my insurance. Why is this not on his credit report???!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I underwent XXXX in XX/XX/2023. Received bill from my physician and paid full amount. Discovered that physicians office submitted to wrong insurance provider so no insurance paid. We provided corrected information, they submitted for and received insurance payment. 

We were due a refund of {$1000.00}. 

We received a PrePaid Debit Card in that amount issued by Fifth Third Bank. 

We did not authorize creation of that prepaid card and expected our refund in the form of a check. Since the funds are held in an account that I did not authorize, nor can I fully control use of the funds in that account. This is a blatant abuse of power and misuse of my funds. 

The bank and the physicians office appear to be the ones benefiting from this arrangement. They are earning interest on my funds while I can not access and put those funds to use to earn interest for myself. 

The physicians office is XXXX XXXX XXXX ; the physician is XXXX XXXX. I've contacted them directly and asked for a refund in the form of a check and was told NO. 

I will be contacting the State of Washington Attorney Generals ' office as well If you need additional information please contact me and I will be happy to provide anything you might need.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This is a fraudulent account I did not authorize this. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Otherwise, anyone paying for services from the XXXX major reporting services could fax, mail or email in a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Can't afford the card ; just paid the annual fee; closed the card ; they didn't return the annual fee. Said there was no credit balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: FL
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:
On XXXX XXXX XXXX XXXX I submitted a dispute regarding the following accounts below that are on my credit report. 


XXXX  Account number XXXX Date opened XX/XX/XXXX I also reached out to the companies for validation of debt asserting FCRA rights under Section 609 and they have refused to provide me with this information. Each time I dispute the accounts instead of removing them they add late payments or adjust the payment history/dates on the accounts. I have been researching and looking up my rights as a victim of identity theft and also as a consumer I am entitled to protection under FCRA law 15 use 1681 I am entitled to a reasonable investigation. My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it my concern, I recently just received a copy of my credit report. And I notice the MOHELA Student loan that are listed on my credit report I am unaware of. This is a former update. I am requesting to remove this off my credit report that are listed below. I tried reaching out to this entity and I spoke with someone about this matter. But they still couldn't help me 1 ) MOHELA STUDENT LOAN # NumberXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I made a payment online to ONE of my consolidated loans to bring that LOAN to XXXX. On Navient 's page it indicates that I was paying to Loan XXXX Consolidation. 

I paid {$40000.00} to bring the loan balance to {$0.00} before this TERRIBLE company was going to raise my payment. The company applied my large payment to both Consoliditaion XXXX and XXXX. I paid the amount to Loan XXXX and expected that loan to be at a a zero balance. I fully expect this to be reolved correctly and that Navient gets their act together and do what the CUSTOMER wishes. 

From their website : XX/XX/XXXX Payment {$40000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called the credit Bureau to have my accounts locked and inquires I received investigated. The Credit Bureau refused to investigate the inquires and they are reporting incorrection information. I have not been able to have them investigate this and they refuse to investigate, and they are aware that they are reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX This is a fraudulent account I did not authorize this. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on a credit report. Otherwise, anyone paying for services from the XXXX major reporting services could fax, mail or email in a fraudulent account.

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 2018-08-24
Company: WESTERN UNION COMPANY, THE
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I made a money transfer for a vacation home rental in XXXX, NC. This ended up being a scam. I transferred money from my bank to the scammer 's bank in XXXX  and used Western Union. The scammer was not able to collect the money he thought he would get because I closed the account as soon as I found out by the actual home owner that I was scammed and they had never heard of me. Western Union charged me {$140.00} for the transaction onXX/XX/XXXX. I called Western Union and they say they have no record of me, even though when I did the transaction they gave me a receipt with the MTCN tracking number XXXX XXXX XXXX, a case number XXXX and a customer number XXXX XXXX XXXX. I would like the fee returned.

The scammer information I have is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank is XXXX and I have a bank code XXXX  and mobile number of XXXX  which must be bogus also. I just get a busy signal when I try to call.

So Western Union has somehow also scammed me. I have my bank statement showing a charge from Western Union the day (XX/XX/XXXX ) did the transaction through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I wrong my credit and i found a medical collection that is reported by Aargon collection agency for {$180000.00} but i haven't be at the hospital and another one from XXXX XXXX account # XXXX {$960.00} those account are not my

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
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:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$25000.00}, EXPERIAN XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 2022-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX / XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry fXXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX  XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX XXXX XX/XX/XXXX Inquiry XXXX  XXXX XXXX XX/XX/XXXX 15 u.s.c 1681 section 602 a states I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 ; It also states a consumer reporting agency can not furnish an account without written 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 non-monetary relief
Consumer complaint received 2022-12-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My address as well as name is reporting inaccurate. As well as there are fraudulent accounts reporting on my consumer 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 2023-06-25
Company: EQUIFAX, INC.
State: NY
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. 
I told the XXXX, XXXX and Equifax to reinvestigate these accounts : 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief