BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
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:
This item is identified as bankruptcy. The bankruptcy was dismissed. You need to remove this Bankruptcy from my record to make sure that I don't need to comply with my personal legal rights, which needs your conformity utilizing the law. Please delete this from my file. 
Bankruptcy XXXX XXXXXXXXdismissed Filed on XX/XX/2017 Reference number : XXXX US BKPT CT CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I made a {$6000.00} payment to the wrong person on Paypal who had the same name as the person that I was trying to pay. Although she was a friend, I didn't think that anyone would have the same name as her because her last name is uncommon. So I sent the money to a different person by accident. Her name was XXXX XXXX. I sent the money to that person. The person I sent it to has the same exact name. However when I spoke to my friend, she told me that she uses XXXX XXXX . So, same name, but with XXXX added. Paypal refuses to intentionally not help me to get the payment back. Just because I authorized the payment doesn't meant that it went to the right person. It wasn't the right person and mistakes do happen. If Paypal chooses to do business this way when an honest mistake is made, and they don't wan na help, then they shouldn't be in business then. Paypal made the decision that since I authorized the payment that there was nothing they could do. In the past, when you could prove that you made a mistake, they would investigate and reverse the situation for a refund and make sure that it got to the right person. But ever since Paypal was bought out from under XXXX XXXX, Paypal has been a pain to deal with. Not only is Paypal unfair, they have been extremely unethical to deal with. I'm truly disappointed that they are refusing to reverse this and help the {$6000.00} to get to the right person when I had no intention of sending a payment like that to the wrong person. So now I am out of {$12000.00} at the moment because I still had to pay the right XXXX XXXX ( with XXXX ) the money still. I don't have that type of money to give away to anyone. I'm contacting my credit union today. This is ridiculous!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: IL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: PA
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:
Experian and XXXX are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership

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 2023-01-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It's now XXXX. I got a letter saying there was a judgment against me. that dates back to XXXX saying i owe XXXX. Then, the final judgement was revised 4 years later in XXXX with an outstanding balance of XXXX. I don't know why this is a thing almost 20 years later but asset acceptance llc contacted my place of work and threatened to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Constantino Law Office, P.C.
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter ( XX/XX/XXXX ) from a collection agency on a credit card judgement filed through the XXXX   Judicial District Court of Utah on XX/XX/XXXX, Case no. XXXX for {$4000.00}. I declared Chapter XXXX Bankruptcy through the Federal Bankruptcy Court in XXXX XXXX XXXX, Utah ( Case no. XXXX ) on XX/XX/XXXX, and the bankruptcy was discharged on XX/XX/XXXX. This is an illegal attempt to collect this debt, as it was discharged in the above referenced bankruptcy, and the statute of limitations ( 5 years ) has passed. The information on the collection agency is as follows : XXXX , XXXX being represented by XXXX XXXX XXXX, ( XXXX XXXX XXXX ), Constantino Law Office, P.C., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, UT XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXX. I called XXXX XXXX on XX/XX/XXXX and left a voicemail message demanding that they cease and desist their collection efforts on this debt because it was discharged in the above referenced bankruptcy and the statute of limitations had well since passed ; and that any attempted to collect on a debt under these conditions is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: TN
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 are actually doubling down. They are up to their old tricks. There was an account from XXXX that started with XXXX XXXX, that Got sold to XXXX  XXXX, then to XXXX XXXX XXXX 
I called XXXX. THEY couldn't find the account. I called XXXX XXXX and lady I spoke with said " account was charged off in XXXX '' .. she didn't say it was sold to XXXX XXXX XXXX, but I have a letter trying to collect. XXXX to now XXXX is what? Almost 10 years, 7 years would have been XXXX, but the way it appears on my credit report, XXXX.. it appears that an account was just opened in XXXX with XXXX XXXX, Then XXXX XXXX XXXX appears separately as a different debit.. well that is what they are trying to do. I thought after 7 years they could no longer collect or be on credit report.. I never received any notice from XXXX, XXXX XXXX, NO ONE. it appeared on my credit report from no where. I got divorced in XXXX. My ex-husband divorced me by public notice said I went missing when he knew exactly where I was, in the hospital. 3 hours away and yes we were going to divorce but agreed to wait a year until my XXXX  XXXX and my XXXX  XXXX  was better and I believed him like an XXXX.. and he pulled this stunt and got away with it and won a default divorce. Yes that's small town GA for u. He illegally got me out of our joint banking accounts, and I lost everything and I found out bc I was at the hospital and was informed my insurance was cancelled. I didn't have money {$5000.00} ; to retain an attorney. My parents believed this XXXX XXXX, and they believed I left with a man.. when it was really him with a girlfriend... He's that good of a liar. He opened up accounts during our marriage and I got stuck with the debt and he got everything... I went from high class to poverty.. and this XXXX from him keeps coming back up on my credit report over and over and I can't handle it anymore. XXXX XXXX XXXX needs to stop reaging accounts So they can keep putting them on the credit report and actually making them look like 2-3 different debts.. please get involved. Im trying to rebuild my life.. and accounts I have opened I do pay on time every month.. I have been fighting with XXXX mainly to investigate this.. they say they do but they do not. I spoke to someone at XXXX and I was yelled at.. threatened and I'm not putting up with it.. please intervene.. this account is on my credit report illegally.. divided into SEPERATE accounts and it's making me XXXX. Im begging you to intervene and demand them to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: EQUIFAX, INC.
State: OH
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:
Dear Credit Bureau, Regarding the following accout ( s ) : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX I do not recognize ever doing any business with the above companies. There could be a problem with the dissemination of up to date information. Please send me the proper materials on file that has more in-depth documentation for my review. If you can not meet a simple lawful requirement during the 30 days window then the above mentioned accounts should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On or about XX/XX/XXXX both my and my wife 's credit scores, for no apparent reason, dropped 12 points on TransUnion credit scores. 

After checking all of our accounts, on XX/XX/2018 I filed a Request for Investigation with TransUnion, asking them for the reason why both of our credit scores suddenly dropped 12 points. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent a partial credit file of our joint accounts at XXXX XXXX XXXX XXXX. TransUnion did not answer my question as to the reason for the sudden drop on our credit scores nor did our credit scores change. 

On XX/XX/XXXX I placed an order, @ {$9.00}, for my credit score. On XX/XX/XXXX TransUnion sent me a copy of my credit score and credit file. Nothing in my credit file was any different. 

On XX/XX/XXXX I sent a letter to TransUnion asking them why the did not answer my question as to what caused the sudden 12 point drop in my and my wife 's credit score? I in the letter stated " So please, in plain english, tell us why our credit scores dropped 12 points suddenly on XX/XX/XXXX ''. 

On XX/XX/XXXX TransUnion, under file # XXXX, sent my wife a copy of her credit file and on the same date, under file # XXXX, TransUnion also sent me a copy of my credit file. 

I want to know from TransUnion why our credit scores suddenly and for no apparent reason dropped 12 points on XX/XX/XXXX. 

Please Help resolve this matter. 
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 2023-11-16
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Good evening, My name is XXXX XXXX. 
This year I was a victim of Identity Theft. 
It has put a huge strain on my life and has even led me to being evicted. 
I am trying desperately to remove all the fraudulent activities on my credit report. 
There is an account in my credit report from your company. 
I did not open this account and I have not used any goods connected to this account. 
This account is a direct result of IDENTITY THEFT. 
I ask you to please remove this account from my credit report and do a thorough investigation. 
I have been dealing with this for months and I just want this to be over. 
I have attached a PDF with all documents proving my identity. 
Please help. 
Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Experian Information Solutions 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 my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I made or authorized. I am writing to dispute an item in my credit report. The following account is not mine and should be removed from my credit report. The account was open XX/XX/2011. Balance is {$5800.00}.

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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Investigation took more than 30 days

Complaint:
i was in prison when identity thieft occur for XXXX XXXX, self lender in the amount of XXXX on XX/XX/XXXX i filed a FTC REPORT AND CONTACTED THE POLICE AND TRANSUNION ON XX/XX/XXXX TRANSUNION HAS NOT REPLYED AND HAVE NOT UPDATED OR REMOVED 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 explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: NY
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:
I would like my account to be updated as paid as a great Account number XXXX my account has never been late but yet the credit bureau saying I am late for XXXX and XXXX which one is it By law, my account should be reporting 100 % accurate. This account is in accurate. Please update to paid as agreed are OK.

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 2023-06-19
Company: DISCOVER BANK
State: NV
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 am writing this letter in reference to XXXX that your company is currently reporting to XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: OH
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 received a copy of my credit report and I have multiple fraudulent accounts on my credit which I would like to be deleted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-02
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: Was not notified of investigation status or results

Complaint:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
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 am writing to request XXXX XXXX  to provide verification and substantiation for certain items on my credit report that were previously blocked due to fraud. I have recently obtained additional information pertaining to these blocked transactions, which suggests that there may be factors necessitating further investigation and clarification.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-02
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 requests that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}

Company response to consumer: Closed with non-monetary relief