BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-15
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
FINANCIAL TERRORISM!

HUGE, I MEAN REALLY HUGE CLASS ACTION : SENDING EMAILS TO AS MANY CLASS ACTION LAW FIRMS AS I CAN, POSTING ON SOCIAL MEDIA EMAILING SENATORS ETC.. with proof. 

XXXX XXXX : refuses to provide a full accounting of the Balance they allege I owe. Like all the statements from XX/XX/XXXX, which is the date XXXX claims the account opened. I have no way to legally challenge the amount without the complete accounting and they know this. I have been trying to get this information for years, requested 5 times to date. ( 9 Violations ) I am also disputing the date of last activity of this account. XXXX has been reporting the date of last activity as XX/XX/XXXX. This is not accurate, the date of last activity was XX/XX/XXXX. XXXX XXXX has continually verified all information as being accurate when in fact it was not. ( 12 Violations ) XXXX also reports this account as a recent charge-off ( CO ) every single month since it was initially charged off in XX/XX/XXXX, misleading potential creditors. ( 162 Violations ) RETALIATION & FRAUD : XXXX has been deliberately causing harm to me in retaliation by re-reporting this account as a charge off every single month for the last 5 yrs. By doing that, creditors and the credit bureaus score this account as being newly charged off, which drops a person 's score far more than an account that was charged off 5 years ago as this was. 
Previously, once an account is Charged off ( CO, the following months would be reported as NR= ( Not Reported ) I have discussed this fact with 3 separate underwriters in the Mortgage industry. XXXX does this to cause deliberate harm and this method was approved by their XXXX XXXX XXXX and likely other board members. XXXX literally creates a command for charged off accounts to continue to report each month, as a result my credit score is over 100 pts lower than what it actually should be. 

Note : I have dozens of examples how previous charge offs were reported with myself, family members, friends and relatives. I have spent dozens of hours researching others who have had charge offs in the past. 

What is their motive, everyone makes more money when borrowers have lower credit scores. The banks can charge more, so can insurance companies, and all financial institutions. Further, it forces Americans to purchase credit bureau memberships, just a few of the motives.

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 2019-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am receiving repeated call from Portfolio Recovery. They are call from various numbers, don't leave any messages, and are calling on Sundays. I have sent the collection agency a cease and deist letter. This debt has been written off by the original creditor XXXX XXXX XXXX XXXX XXXX and was purchase by Portfolio Recovery. I do not have an agreement with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-26
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: Information belongs to someone else

Complaint:
Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of 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 explanation
Consumer complaint received 2018-03-10
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX and I have inquiries on my Equifax report that do not belong to me. I have called the company and sent letters. I have only received letters in the mail explaining what an inquiry is. I have also called the individual companies and they said they would contact the bureaus to have them removed. 

Below is a list of inquiries that aren't mine and I didn't authorize XXXX -- I don't have an XXXX account. I did not authorize this inquiry. 
XXXX I don't have a XXXX account. I did not authorize this inquiry. 

XXXX -- I have no idea what XXXX is. I did not authorize this inquiry. This inquiry appears on my report twice. 

XXXX XXXX -- I did not authorize this inquiry. I don't have any business with XXXX. 

XXXX XXXX XXXX -- I don't know what this is. I don't have nor am I looking for a mortgage. I did not authorize this inquiry. 

XXXX -- I did not authorize this inquiry XXXX XXXX -- I did not authorize this inquiry. I don't have any business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These creditors have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2018-10-12
Company: FORD MOTOR CREDIT CO.
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:
ID THEFT NOT RESOLVED Source XXXX XXXX Date XX/XX/2018 Balance Date XX/XX/2018 Balance Amount {$51000.00} Open Date XX/XX/2018 Status Date XX/XX/2018 Name FORD MOTOR CREDIT CO . 
Phone ( XXXX ) XXXX XXXX Address XXXX XXXX XXXX City XXXX State XXXX Zip XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-25
Company: REGIONS FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card I'd ss card sons ss card and checks was stolen I disputed the transactions made police report and my bank will not refund my money over {$600.00} dollars. Regions Bank is nothing but liars and thieves

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 2021-09-21
Company: BANK OF THE WEST
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I received a notification through pop money on XX/XX/21 @ XXXX that {$200.00} deposit was made to my bank of the west account. I had been watching my account daily that week bc it was low & I knew they hadnt given me the credit for that deposit on Friday. On XX/XX/21 I went into my account to check the balance shortly before XXXX in case I needed to deposit funds to cover. It showed balance of {$28.00}. The next morning I wake up to a notification that I was charged a {$35.00} fee. The worst part is not only did it never drop below {$28.00}, but they were still holding that {$200.00} electronic transfer from XX/XX/XXXX when they charged me {$35.00}. They finally gave me credit for the {$200.00} on XX/XX/XXXX. The person that sent the transfer said the money left her account on XX/XX/XXXX so not sure where it was those 5 days? I asked XXXX to provide a printout showing my account with the negative balance ( bc even he admitted the account never went negative ), but since I was upset w them & finally yelled bc XXXX refused to return the fee-he refused to give me a printout and lost his cool & kept saying that he was just going to get a cashiers check and close my account. I tried talking to the senior service officer who informed me by mail my account will be closed on the XXXX and she cant provide me with a print out showing where it went negative either because she said it was something behind the scenes. Well how am I supposed to correct some thing if I look and my account doesnt show any issue? This same exact situation happened to me about a year ago & even though it was an error on the banks part just like this? They refunded the fee but put it as a one time courtesy to me. I told her thats great bc then if I ever really need the courtesy it looks like I have already received the courtesy when it was simply their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX Potentially negative Date openedXXXX Balance {$5100.00} StatusOpen. {$430.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$500.00} StatusCollection account. {$500.00} past due as of XX/XX/XXXX. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 2023-06-06
Company: Experian Information Solutions Inc.
State: NJ
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:
To whom it may concern, I XXXX XXXX XXXX, try to apply for a credit card and was denied because of the incorrect credit reporting from XXXX, XXXX, and Experian Credit Bureaus, so on XX/XX/2023, I send XXXX, XXXX, and Experian Credit Bureaus, I sent them a letter informing that they are reporting incorrect information on my credit report, they reply that all the information was updated, I never had any credit cards, only debit cards, and I requested them to update my credit report and delete the incorrect accounts, 1. XXXXXXXX XXXX XXXX  # XXXX 2. XXXX  # XXXX 3. XXXX XXXXXXXX # XXXX**** Today XX/XX/2023 I check my report with XXXX XXXX XXXX XXXX and Experian, and the fraudulent accounts are still reflecting on my credit report, please help me with this issue, thank 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 explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 Theft as well as several Data Breaches. The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 

XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX has violated my rights. 

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

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

The credit bureau used my information the wrong way, i contacted the companies with no response.

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 2022-10-13
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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$940.00}.

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 2022-10-09
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The company responded on XX/XX/2022. Venmo after agreeing on what the payments were marked and accepted as on behalf of the organization accuses that payments were instead of gifts and donations for XXXX XXXX containing XXXX, XXXX, and/or other XXXX. Those prohibited activities as Venmo alleges to justify violates of use were never conducted by the account holder. The account holder never asks XXXX buyers to note their payments as gifts but indeed accepted gifts and donations which were to clarify why those gifts and donations were accepted instead of purchases for items. Venmo 's decision to cease offering services permitted in violation of its USER Agreement is in discrimination since XXXX makes a distinction between what was the purpose of the receipts as marked The account holder will not choose liability for discrimination by Venmo which has clear evidence of what payments were received for according to its notation and is not indebted which is illegal. Venmo has not received any correspondence between the account holder and alleges customers of illegal substances. Venmo has receipt receipts as stated before noted as " Gift '' or " Donation '' as the account is for non-profit purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, 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 submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized remaining inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: OH
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 XXXX Account # XXXX XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with non-monetary relief