BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: Bryant, Hodge & Associates LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX - I was contacted on my cell phone by XXXX XXXX with Bryant Hodge and associates. He indicated that I owed a debt XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. I asked him if he would email me the details, I would then review them and get back to him. 

He sent me 3 different collection letters via email. One that was indeed XXXX XXXX XXXX in the amount of {$330.00}, another for XXXX XXXX XXXX XXXX in the amount of {$960.00} and the third for XXXX XXXX XXXX for {$510.00}. In looking at all three of these - they are addressed to a XXXX XXXX. My last name is XXXX and has never been XXXX. However, my daughter did have a stay at XXXX XXXX 6 years prior - so I investigated that debt. I found record in my credit file that I paid that debt to another collection agency ( XXXX XXXX XXXX ) in  XXXX, XXXX. It is now being reported as paid and closed on my credit report. 

I followed up with XXXX XXXX on XX/XX/XXXX with an email explaining XXXX XXXX XXXX debt was paid and the other two didn't belong to me citing wrong last name. I never heard from XXXX XXXX again. 

In XXXX, I started receiving phone calls from XXXX XXXX from the same company, Bryant Hodge and  XXXX. I contacted XXXX XXXX back and told him the same story above and that I closed this situation with XXXX XXXX. I asked him for a mailing address and I sent him the information I provided to XXXX XXXX along with a separate cover letter addressed to XXXX XXXX and I sent this RETURN RECEIPT CERTIFIED. I received the green postcard back signed by an agent dated XX/XX/XXXX. I never heard from XXXX XXXX again. 

In late XXXX, I started receiving phone calls from a XXXX XXXX - again from Bryant Hodge and associates. His messages were firm that " we had an arrangement set up and I'm surprised I haven't heard from you by now '' I can assure you, I never made any arrangements with him or anyone in his office. I returned his call to receive his voicemail and I told him we did not have an arrangement, I don't owe the debt, the last name is wrong and I've told two of his colleagues the same information and that he should not contact me again. Of course, I continued to receive messages from XXXX XXXX with the same message. Obviously, he did not listen to my message or chose to ignore the information so I decided to send him the email/information that I sent his other two colleagues, sending to both him directly and to the " support '' mailbox for the agency. I have not heard from XXXX XXXX since. 

However, this company seems to rotate their files to different agents about every 4 weeks. I am sure this is not the last time I will hear from this company so I am filing this complaint. All documentation is attached.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them 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 non-monetary relief
Consumer complaint received 2023-08-05
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: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: 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:
This is my several 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 accounts 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 these accounts in my credit record that came about due to an alleged fraud or extortion. 
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 2022-05-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I started a process to remove PMI form my home loan. I filled out the lender forms and paid a fee of {$100.00}, the XXXX was completed in less than one week with a new value of roughly $ XXXX. That amount is more than enough to remove the MI. After chasing the Bank/Lender for almost 3 weeks I just paid my XX/XX/2002 with PMI included. The lender had more than ample time to remove it and they never respond to any of my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i sent transunion, XXXX, and XXXX letters XXXX, requesting the inaccurate and incomplete accounts that are reporting on my credit report. i have attach copies

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 2023-02-28
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Inquiry/Complaint Description I have a Venmo account I haven't used in 2 years My friend sent me {$330.00} I went to transfer it out to my bank account and Venmo froze and Suspended my account. Venmo ask me to upload bank statement, drivers license, pic of my bank mastercard and Venmo also took out XXXX XXXX XXXX XXXX from my bank account and credited it back to prove and verify this is my bank account. I just got an email from Venmo after providing them all they ask for and told me they WILL NOT UNFREEZE my account. Venmo even sent me an email stating that my account has been Verified See Email : Sat, XX/XX/XXXX at XXXXXXXX XXXX venmo You verified your bank account! 
XXXX XXXXXXXX XXXX You can now transfer money to this bank account. 

This is the email I got today XX/XX/ stating they will NOT UNFREEZE my Account. 
See Email : XXXXXXXX XXXX ( Team Venmo ) XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXXXXXX XXXX Venmo Help You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 
Hello XXXX, My name is XXXX and your case has been escalated to me for further review. While we appreciate your interest in using Venmo, we are unable to confirm that you have direct access to the financial instruments on file with your Venmo account. Due to this we will not be able to unfreeze your Venmo account. If you wish that we review this case again, you will need to provide us with the previously requested information. You can submit that information using our Document Upload Form, linked here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( If you have trouble following this link, try copying it and pasting it into your browser. ) Thank you for your understanding. XXXX XXXX XXXX. | Account Specialist | Venmo Venmo is a service of PayPal , Inc., a licensed provider of money transfer services. All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I have done everything that they have ask me to do to prove this is indeed my account and they are refusing to unfreeze my account so I can get my money. I believe I am being scammed and now afraid they are going to use my info I provided to them for other scams and use for identity fraud. Please help me to get this resolved. Thank you so much, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXXXXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$0.00} XXXX  XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. The 3 credit bureaus to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$430.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Early Warning Services, LLC
State: GA
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 contacted Early Warning Systems, and XXXX about an entry they are reporting about me that is fraudulent, and was opened as an act of identity theft. XXXX allowed for both a personal loan and a credit card to be opened in my name without my permission and fraudulently. I have tried to work directly with XXXX many times and tell them that neither of these accounts were opened by me and have gone into great detail explaining to both XXXX and Early Warning where XXXX reported the debt to that this was fraud. I have provided them a police report that outlined that I was a victim of identity theft and that many fraudulent accounts were opened in my name and correct social security, every since I was a victim of identity fraud. When I have spoken to both of these companies they have both refused to assist me and told me that did not care that I stated I was a victim of identity theft/fraud they would not remove their derogatory reporting of these two fraudulent accounts. My identity was stolen when my wallet was taken from me in 2009 when I was robbed. I have had about 17 charge cards, 2 auto loans, and 3 personal loans opened in my name due to this fraud/identity theft, and none of these fraudulent accounts should I be held accountable for. 

XXXX told me in one of the calls that I had with them that the accounts they claimed were opened in my name were included in a bankruptcy, Well I have never filed a bankruptcy EVER, and either of these parties can check my XXXX File, My XXXX File, and My XXXX File and they will see there is no record of any bankruptcy that I filed. 

Both Early Warning and XXXX are acting in a willful manner of inflicting emotional distress upon me by continuing to report this fraudulent information. They are defaming my character by them continuing to disseminate information that has nothing to do with me except the fact they allowed fraudulent accounts be opened in my name and they are totally unwilling to act in accordance of the FCRA and rectify this matter. I am attaching a copy of my most recent credit report that will affirm that I was a victim of identity fraud/theft and am asking for the immediate removal of this fraudulent information..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 NUMEROUS 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 ITEMS. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$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 2023-02-09
Company: EQUIFAX, INC.
State: GA
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 NUMEROUS 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 ITEMS. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I found a store on XXXX  to buy a new XXXX. The store turned out to be fake! I clicked on the paypal link and entered all my information, but on paypal it says my payment of {$66.00} went to " XXXX XXXX '' at a XXXX address with transaction ID XXXX. 

The website was XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX once again, and I am submitting this CFPB complaint one more time to dispute specified remaining inquiries in my file resulting from the crime. Once more the inquiries I am disputing do not relate to any transactions procuring any possession of goods, services or money that I have made or authorized. I will repeat that these inquiries are unknown to me. Also, the information provided by the XXXX and Equifax Bureaus on these inquiries were already DELETED from my XXXX Credit Report and I have doubts in the reporting accuracy shown in my XXXX and Equifax Credit Reports, and the history on some inquiries are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. I kindly request the XXXX and Equifax XXXX to fully remove these inquiries in my credit file, listed below : XXXX : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation