BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
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:
The reason for my writing this letter is that this company is being unreasonable and not adhering to the law in regards to identity theft. I am a Victim of Identity theft, My personal information was compromised, I don't know who did this but with it came fraudulent account opening under my name. I did not benefit anything from this unauthorized accounts opening. 

I disputed with this company on XX/XX/XXXX. My letter had explained in detail of my Identity theft status. I even attached documents to prove my case. but to My surprise, this company completely ignored the law that requires them to delete within 4 days. 

Below are the fraudulent accounts that I NEED to be REMOVED/BLOCKED from my credit report : XXXX XXXX XXXX, XXXX # XXXX, Date Opened XXXX XXXX XXXX , XXXX # XXXX, Date Opened XX/XX/XXXX. 
XXXX/XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX XXXX, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX XXXX place in, XXXX # XXXX, Date Opened XX/XX/XXXX XXXX   XXXX XXXX # XXXX, Date Opened XX/XX/XXXX I am attaching herewith The letter i sent to this company and my FTC identity theft report for your reference and review

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: NC
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:
Regardless of the multiple written requests, the ACCOUNTS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the ACCOUNTS below in my file : 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 2019-08-28
Company: Clearview Resolution Services
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
phone calls from XXXX Ext. XXXX XXXX XXXX. I attempted inform his of the situation to find a resolution. However, he was horrendously rude and obnoxious. He even went as fraud to break the law by threatening me and making false claims, advising of legal action and garnishment of wages. This man clearly has no business in the field if he can not obey the law and I have listed all the laws he has broken. I am now wondering if this is a legitimate business or scam. 

XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed 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

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
i recently received a copy of my transunion credit report and noticed multiple unauthorized hard inquires, to my credit file i did not give permission for anyone to grab a copy of my credit report, my credit report was frozen and Transunion gave credit card companies access. these hard inquires seem to be fraudulent.

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 2023-09-23
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-12-24
Company: Stenger & Stenger, P.C
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The options it gave to describe the problem were not broad enough to include our issue - so I choose closest option. 

This debt resulted from the credit card purchase of a XXXX XXXX cell phone at XXXX XXXX. The camera was defective. The entire selling point for this {$800.00} phone was the camera - we could have purchased ANY old phone to text and call! We reached out to XXXX XXXX multiple times, they REFUSED to help in any way. No exchange, no refund. We then sent the phone to XXXX for repair under warranty, but when they sent it back the camera was not fixed. 

As it was purchased on a credit card and the balance remained, we called the creditor to file a dispute. They refused to take our dispute. We followed up by putting it in writing and sending it certified mail, return receipt. They would NEVER acknowledge our dispute and continued billing. We sent another notification of dispute and copies of documentation again with the billing statement. NO RESPONSE. Months later, we get a collection notice from XXXX XXXX XXXX. We informed them it was a disputed charge and they ceased pursuit. Now, a few months later, this attorneys office, Stenger and Stenger, are aggressively pursuing this matter. We have informed them it is a disputed charge and provided them will all documentation. They have failed to respond to our communication on the matter, have sent the Sheriffs Dept to our door attempting to serve legal papers, and most recently sent notice to the postmaster for address confirmation to serve legal papers. They do not care that this is a rightfully disputed debt. They are pursuing it aggressively, looking for an easy payout. We intend to fight this fully, but these kinds of tactics should not be permitted. 

Stenger and Stenger, P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MI XXXX We had every right, under the consumer credit protection guidelines, to dispute this charge. We have documentation to support everything that we did in effort to resolve this matter. Prior to this, we had a long-standing account demonstrating excellent payment history with XXXX XXXX. 

The fact that they are continuing to aggressively pursue a disputed debt, even after they have been notified and provided more than sufficient documentation to substantiated that is appalling and wrong. 

Lastly, as they have ALSO been notified. We do still have the phone in question in its original box and would be MORE than happy to return it to them immediately, provided any negative credit reporting related to this matter is corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: GA
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:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: Experian Information Solutions Inc.
State: MA
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 to file a formal dispute regarding the inaccurate information on my Experian credit report. Despite my previous contact with Experian on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : XXXX XXXX IN. XXXX Account Date Opened : XX/XX/XXXX Balance : {$450.00} The XXXX XXXX IN. XXXX account listed on my Experian credit report requires examination due to incorrect reporting. The reported balance of {$450.00} appears higher than what I recall. As Experian has marked this account as closed, the past due amount should not be provided. I intend to address this issue directly with the creditor, but I request that Experian mark the account as disputed during this process. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$53.00} ThXXXX XXXX XXXX account listed on my Experian credit report was never late. I kindly request Experian to correct and update this inaccurate information accordingly. 

XXXX XXXX  Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$7400.00} The XXXXXXXX XXXX  account listed on my Experian credit report incorrectly indicates a late payment. I request Experian to remove the late payment designation from this 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 2020-05-13
Company: AFNI INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Certficate Of Deposit was opened with Synchrony Bank with {$220000.00} on XX/XX/XXXX for a term of 60 months and matured on XX/XX/XXXX. Instructions were given by me to close the account upon the maturity date and mail the fund proceeds to me.I was told the check would arrive regular mail on or before XX/XX/XXXX. Since I did not recieve the check, been in contact with Synchrony Bank as the check was deemed to be lost in the mail and a declaration of loss for lost cashiers check was generated by Synchrony Bank, completed and returned via email on XXXXWas told the funds would be ready by XX/XX/XXXX and would be wired into my bank account. It is now XX/XX/XXXX, and I am not in receipt of my proceeds.I have spoke many times with the bank, and keep getting a run around. I have lost confidence trying to get my money returned. Is it acceptable to wait over a month to receive my funds? I hope and pray I get the money returned.

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 2016-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased a Body Camera from XXXX using my Capital One Visa Card. The camera was supposed to record video and download it to my computer. The camera was able to record but I spent many hours working with XXXX Technical Support and was not able to get the video to download to my computer. I even tried using a second computer, but it would not work either. I returned the camera to XXXX but they would not issue a refund because they said there was nothing wrong with their product/service. They said the camera worked fine with their computer and there must be something wrong with my computer. I did a dispute with Capital One, but they would not return the {$1000.00} because they say XXXX told them the returned camera was damaged. I thought that using my Capital One Credit Card would insure that I would be able to get my money back if the product I bought did not work right and I returned it. Capital One will not return the {$1000.00}. I was never able to get the camera to work and I returned it to XXXX Supervisor XXXX XXXX was the last person I spoke with at Capital One regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal randomly closed my account and left a negative balance of $ XXXX. I had {$200.00} in my account and i could not access it because they paid in favour to a client whom i sent proof to paypal that their services were done and they were still asking for money. This left me in a serious finance situation as paypal saw it as justice to repay the client, whose services were completely done for and still closed my account. i had a positive balance of {$200.00} and i would like to have it back. my email address is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. This information is damaging my consumer report and causing me to be denied credit. There are several addresses on my consumer report that DO NOT belong to me. I have requested that the reporting agencies remove this inaccurate information and they have failed to comply. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 Transunion just did the same thing And XXXX  No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 you with the utmost urgency to address a matter of great concern related to my credit report. It has come to my attention that there is an account listed on my credit report, which I strongly believe to be the result of identity theft and fraud. I am writing to aggressively dispute the validity of this account and request an immediate and thorough investigation into this matter. 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 2022-09-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Wells Fargo Bank is reporting a balance on a credit card that was settled and should be reporting a {$0.00} balance and showing settles. I have reached out to them and all credit bureaus and the item continues to be verified which is not true and they are literally breaking the law by not updating this. the Account number is listed as XXXX and it is currently reporting a past due balance of {$1400.00}. So I am also confused how a charge off can report a past due balance also? Especially after this account was settled on a recorded line with Wellsfargo and they took full payment and still have not sent me any correspondence in the mail about this as they promised on the call.

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