BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-07
Company: Experian Information Solutions Inc.
State: MS
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: Problem with personal statement of dispute

Complaint:
Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with 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 2021-02-07
Company: WAKEFIELD & ASSOCIATES, INC.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Regarding account XXXX WAKEFIELD & ASSOCIATES is contacting me at inconvenient times and places. They are contacting me before XXXX XXXX., and after XXXX XXXX. I never agreed to it. These repetitious phone calls have annoyed my family and myself. WAKEFIELD & ASSOCIATES have also used obscene and profane language and threats regarding this debt that is not mine. They are also blocking their number and calling me without telling me who they are. 
In addition, they have also stated that they are an attorney making threats to arrest me, garnish my wages and bank accounts, and sue me. 
WAKEFIELD & ASSOCIATES has also contacted family members of mine more than once trying to collect this fraudulent debt. WAKEFIELD & ASSOCIATES have discussed this account and personal information about this debt harassing others trying to get me to pay this debt. WAKEFIELD & ASSOCIATES fail to respond to my verification letter by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  XXXX # XXXX, XXXX  XXXX XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, and 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 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 2021-06-27
Company: EQUIFAX, INC.
State: TX
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:
As of XX/XX/2021 Equifax Credit Report is listing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX as one of my previous address, I have never lived at this address and because of it is causing me to get collections linked to that address. Equifax needs to get his stuff together and stop adding addresses to my personal information, this is the second time it happens and causing grievance for getting collections that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: VA
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 sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 check my credit report and this company appears as derogatory, there is no address or phone number I have never had any dealing with this company. 

This appears on XXXX XXXX TransUnion XXXX XXXX XXXX -- Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2020 I have never seen any XXXX at this institution or do I have any XXXX  problem. 
How is it possible for anyone to make false claim against my account and what is the consequence for doing so. Please investigate and advise. 

Sincerely, 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 2021-02-08
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since the first week of XXXX of XXXX, I have been receiving calls, emails, and letters from the Paypal Collection department asking to collect a negative balance of {$65.00}. 
I have contacted Paypal customer service via message on XX/XX/XXXX and was told there is no negative balance on my account and to ignore the messages since it could be a scam. After PayPal continue contacting me on many occasions I decided to call the Paypal collections department to inquire about the debt and was told they have records of two PayPal accounts under the same name, email, and telephone number and assure me that on one of those accounts I owned {$65.00} for a purchase that I don't recognize. 
I explain that I have no knowledge of the extra account or purchase they state, so they advise me to contact PayPal customer service to close the duplicate account. 
On XX/XX/XXXX I contacted PayPal customer service and was told that there is no duplicate account since there is no possible to have two accounts under the same name, email, or phone number. Unfortunately, they did not offer a resolution and ignored my request. 
I have tried unsuccessfully to solve this issue by calling and contacting PayPal collections as well as PayPal customer support on many occasions after XX/XX/XXXX and keep being sent from one department to another. 
Now there is a private collection agency ( XXXX XXXX XXXX XXXX ) trying to collect the {$65.00} debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-10
Company: Experian Information Solutions Inc.
State: SC
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:
The credit report shows a balance of {$250.00} that was already paid in full.

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 2023-11-28
Company: EQUIFAX, 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:
I demand these unknown companies : XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX to immediately be removed from my consumer report! Unless there is proof that I signed giving permission for any authorizations, giving permission for any types of transactions with these said companies, if there is no such proof, then this is IDENTITY THEFT I need to immediately be removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting from Identity Theft and I will be coming after Equifax for continuously allowing this on my consumer report after several disputes and will be collecting {$1000.00} per violation according to 15 USC 1681n-Civil Liability for Willful Noncompliance and fir violations of 15 USC 1681eb Compliance Procedures ( b ) Accuracy of Report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, 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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
on XX/XX/2021 proceeded to drive my car for work but, for the fourth time since financing the vehicle back in XXXX of XXXX the car has be disable by the company due to poor mismanagement of accounts. Once able to speak to a rep i was demanded to pay for collateral insurance from there company even though i have full coverage insurance from a different agency. i was forced to make a payment that i did not owe in order to use my car again. i was told by the rep XXXX that the payment will be due again and that I'm expected to pay it even though i explain that i did not owe them and that the insurance documents have been received from Us Autosales. Us Autosales have almost 300 complaints.US Autosales is a very unfair company that illegally violates its consumers contract and needs to be investigated further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: Trident Asset Management, L.L.C.
State: CA
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:
I HAVE NEVER OPENED AN ACCOUNT WITH XXXX XXXX. LET ALONE OWE THEM " {$190.00}. " ( TRIDENT ) IS MAKING MY LIFE UNBELIEVABLE ... I CAN HONESTLY SAY WITH CERTAINTY AND TRUTHFULNESS THIS XXXX WHOMEVER THEY ARE ... THIS IT'S NOT MY ACCOUNT PLEASE CORRECT YOUR  ERROR AND LEAVE ME ALONE ... ENOUGH!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
Had a soft and then hard inquiry from XXXX XXXX XXXX XXXX XXXX which is a XXXX credit card. Was not me. I contacted XXXX and after much research, they found that someone tried to use my name to open a credit card account online, but had none of my PII, no social security number, not even the last 4 of my social. No credit was extended but somehow this remains as a hard inquiry on my Equifax report. I called Equifax, explained they should have never allowed an inquiry with no SSN, but they refused to remove it from my credit report. I need help having them remove this fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: DISCOVER BANK
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received letter from Discover dated XX/XX/XXXX stating they can not open an account because of a security freeze I have in place due to my identity being stolen. I immediately called Discover to let them know I did not submit any application and it is fraudulent. I asked for a copy of the fraudulent application containing my identity information and they refused. The person I spoke with was XXXX. I explained to him that as a victim of identity theft, I have the right to ask for a copy of the fraudulent application and he agreed that I have that right but still refused to send me a copy of the application

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit card charges were paid off recently. Please remove negative dispute information from credit file. Settlement agreement was reached with debt collection agency. National Credit Adjusters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-27
Company: Bread Financial Holdings, Inc.
State: AL
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:
XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$260.00}, the amount they gave me to settle the XXXX XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Paypal XXXX XXXX  Synchrony Bank advertises 2 % cash back on all purchases. 
I have had my Pay Pal XXXX XXXX for 24 months. I have never been late on a payment and pay my card balance in full each month. I have a excellent credit above XXXX. 

I received a letter on XX/XX/XXXX dated XX/XX/XXXX stating my account has been closed due to " high risk of failure to pay. '' This notification comes with over {$6300.00} in purchases made up to 60 days prior to any notification where I will not earn the advertised " 2 % cash back ''. Following several calls to customer service no one can explain the verbiage of " high risk of failure to pay '' or can help with honoring the " 2 % cash back on all purchases. '' I have been told once the account is closed all prior purchases are not eligible for cash back prior to the closing notification. I made these purchases in good faith using the Pay Pal XXXX with the expectation Pay Pal XXXX XXXX Synchrony Bank would provide the advertised 2 % cash back. If I would have been notified of this closure I would have happily used another credit card that honors what they advertise in rewards. 

Please beware of Synchrony Bank and Pay Pal 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 2021-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

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 2022-01-16
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I purchased a pair of sneakers with my credit card from an XXXX seller on XXXX XXXX, 2021. They were never sent, nor was there any reply from the seller after repeated attempts to contact. I went through the XXXX refund process, which was finally granted on XX/XX/XXXX, 2021. XXXX refunded my money. Cut to XXXX months ago ( about XXXX 2021 ) I started receiving emails from American Coradius International, LLC., also known as ACI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX, who said I had a negative balance on XXXX and needed to pay them money. I contacted XXXX to ask them if this was true, and they said no. They also said to disregard these emails as a scam, as XXXX is it's own collection agency. Cut to last month ( XXXX 2021 ) when I received a letter in the mail from ACI to pay this same " debt. '' As they asked, I sent a note back saying I disputed the debt, and they would send proof of debt. Yesterday I received another letter from them, along with a letter with XXXX letterhead listing the debt and information from the XXXX purchase with this seller from back in XXXX 2021. What? ACI is representing a zero feedback seller from XXXX who wants XXXX bucks, of which they will get XXXX bucks, on an purchase that never happened? I don't get the math. There is no debt with XXXX, there is no negative balance, there are no sneakers, shall I go on?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report

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 2023-04-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Hello, I sent in multiple letters to XXXX, XXXX, and experian and the credit companies are not complying with their own policies in a timely matter. 

XX/XX/2023 and also XX/XX/2023 I sent a letter to all credit bureaus nothing was done {$3700.00}, {$710.00}, {$250.00} are still showing on my credit report.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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