BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXXXXXX # XXXX Account name XXXX XXXX XXXX XXXXXXXX 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.

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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Last XX/XX/2022 I receive an email from Paypal that my account was permanently limited up to 180 days. It was a big mistake because I believe that I didn't violate any of the Paypal 's terms and conditions as I use this payment platform on my online business Binary options trading selling virtual goods since XX/XX/2022 up to present. My Paypal account, XXXX has funds in it that I need to withdraw but unable to do so and I really need that money as soon as possible. I hope that the restrictions applied to my account will be lifted so I could withdraw my funds. Thank you for consideration and God bless.

I attached my valid I.D . for identity verification. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Witkes Law Firm LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in the mail from a law firm stating they were trying to collect a debt from me. I did not owe any monies to the company who they listed. I called the original creditor and they also told me I do not have any outstanding balances with them and that they have never heard of this law firm. They do not use this law firm ( or any ) to collect debts because of HIPAA laws. I have attached the letter I received in the mail and a copy of my original receipt from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: EQUIFAX, INC.
State: NV
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, I recently opened a checking account with Suntrust and I am awaiting a transfer with my previous institution. I recently acquired 7 overdraft fees posted to my account on XX/XX/XXXX. I am holding myself responsible for 1 acquired fee, although the remaining fees are inaccurate. I received fees after a merchant decided to charge for gas pump charges one week after the charge was made. Suntrust decided to charge me overdraft fees for every purchase made after that charge. Stating that the account was overcharged from that day although the overdraft was not reflected on my available balance nor charges showing the correct pending amount. The charging of fees for charges that where not posted nor pending on my account till the XXXX is absurd. I spoke with customer care in which a representative was able to remove four overdraft fees upon viewing the systematic mistake made.The representative did all that she could do on her end but could not remove any additional fees. I have then spoken with a overzealous manager who refuses to remove the remaining fees from my account. I am in need of getting the two remaining inaccurate overdraft fees removed. I would like to continue a relationship with suntrust comfortably I can not do so if they can not fix simple overdraft fee mistakes. I am hoping that I made the right decision to transfer my life saving into a truist 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 2023-11-17
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: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at XXXX Credit Bureaus. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. I am asking for your immediate assistance to correct the late open accounts : XXXXXXXX XXXX  XXXX Balance : {$5700.00} ; XXXX  XXXX XXXX Balance : {$1900.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I tried to solve a problem with my XXXX account. This account had a limit in the XXXX of {$500.00} where it shows me that the XXXX XXXX XXXX was {$2000.00}. I have disputed this account on several occasions with the company and the agencies that show the report, giving me a negative response to my requests and demonstrating that the information is correct and accurate. I will then present a series of errors presented by the account so I demand according to the FCRA statutes that it be removed from my credit report as soon as possible and that the information sent here is taken into account and do not send me a letter again telling me that I am not authorized to file a dispute as they did at the time Previous by this means. 

First the account shows 33 months in review and in the payment status does not show the same amount this information was disputed and for its effects as you will see in the attached images they placed that the months without review are not checked they only have a CA that was made in XX/XX/XXXX the last report. but the account its last date of activity was in XX/XX/XXXX, as if that was the last date of activity of the account presents then 8 months of report showing information that can not be verified, then it shows that 33 months were reviewed but the account says to be closed on XX/XX/XXXX, XXXX and then it shows me 6 months of payments per day and the information again inaccurate and incorrect. 

As an account with a limit of {$500.00} it can have a balance of {$2000.00} exceeding the limit of the XXXX by 400 %, kindly requesting that it is an account that presents a number of incorrect information and that shows an analysis of months and does not present a complete or verified information I kindly ask that a re-investigation be carried out since unfortunately it shows indifference in all credit agencies in XXXX shows that the account presents a late payment only in XXXX and XXXX and that in XXXX the account was closed without having any new history, in XXXX it shows that the months are XXXX and XX/XX/XXXX, and in Equifax it shows XX/XX/XXXX XX/XX/XXXX and then XXXX XXXX and XX/XX/XXXX where by XXXX the account was already closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to you regarding a matter of utmost importance regarding my credit report. I have diligently followed the dispute process for several fraudulent accounts that have been erroneously reported on my credit report, and despite multiple escalations, I have yet to see any satisfactory resolution. 

XXXX XXXX XXXX I have contacted your bureau multiple times regarding their removal. Despite my efforts and your assurance of investigation and resolution, these accounts remain on my credit report, severely impacting my creditworthiness. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires credit bureaus to investigate and correct inaccurate or fraudulent information within 30 days of receiving a dispute. It has been well beyond this timeframe, and the continued presence of these fraudulent accounts on my credit report is causing me significant financial distress. 

I kindly request an immediate and thorough investigation into these matters, followed by the removal of the fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Experian Information Solutions Inc.
State: TN
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 received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX  or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.

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 2023-05-09
Company: EQUIFAX, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: Southwest Credit Systems, L.P.
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:
They try to charge me account is no my and destroy my credit score and they call three time a week to admit address is no mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

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 2021-01-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Experian Information Solutions Inc.
State: NJ
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 have new information and a new police report foXXXX XXXX XXXX with the account listed and the false amount owed. Also Experian is still reporting XXXX XXXX XXXX which is removed and also they are reporting a account for XXXX XXXX which is a collection account for XXXX XXXX which was removed in the past for id theft and also Experian is still reporting XXXX XXXX XXXX which was removed already by XXXX but Experian is still reporting and XXXX XXXX as late but it has a XXXX balance and was credited the amount so therefore its no way it could be late XXXX XXXX account was not updated to paid in full as the account was credited so it should not show as late

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 2022-05-31
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The following accounts are reporting by Credit Reporting Agencieswithout my consent or written prior authorization. 

Pursuant to 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. 



XXXX XXXX XXXX, south carolina for XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, south carolina for 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 2022-05-14
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX XXXX Account # XXXX has been published without my written or verbal consent which violates my privacy and multiple laws pertaining to thus. 

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 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 2023-02-12
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX went to a XXXXXXXX XXXX  bank branch to open a business credit card. With the assisance of the XXXX XXXX personel. When he prepared documents, he advised representative not to list business address and only list residential address for all bills and correspondence. 

The incorrect address was listed for all bills and correspondence as to the XXXX XXXX card. This was the bank branch 's error and the branch has already admitted this was an error on their part. 

Since, the billing and mailing address were not correct my client did not receive the bills and or any correspondence, the account became past due and was closed. When my client realized the error, and the account was past due, he immediately paid the bill in full. 

Due to the address error, the bill was paid late and reported late payments to the credit bureaus, thus affecting my client 's personal credit. The credit card was also immediately closed due to lack of payments. 

XXXX XXXX XXXX returned to the XXXXXXXX XXXX  branch. The XXXX assistant manger admitted the error on their part and advised they would submit a form to correct the late credit reporting and reopen credit card account. As of today, no action has been realized. 
,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the FAIR CREDIT REPORTING ACT the following collectors are in violations of my rights as an consumer. US DEPT OF EDXXXX {$46000.00}, US DEPT OF EDXXXX {$22000.00}, XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$7700.00}XXXX XXXX XXXX XXXX XXXX {$6800.00}, XXXX XXXX XXXX XXXX {$5300.00}, XXXX XXXX XXXX XXXX {$3900.00}, XXXX {$2600.00}, US DEPARTMENT OF EDU {$8300.00} XXXX US DEPARTMENT OF EDU {$4100.00} , US DEPARTMENT OF EDU {$14000.00} , US DEPARTMENT OF EDU {$5200.00} , US DEPARTMENT OF EDU {$11000.00} , US DEPARTMENT OF EDU {$3400.00} , US DEPARTMENT OF EDU {$4400.00} , US DEPARTMENT OF EDU {$5500.00} , XXXX XXXX XXXX {$24000.00}, XXXX {$5500.00}, XXXX {$4000.00}, XXXX {$2600.00}, XXXX {$4000.00}, DEPT OF EDXXXX {$5500.00} also FRAUDULENT INQUIRIES FROM ALL Credit Bureaus. I have provided an FTC identity theft report with the inquiries! 

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. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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