BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Just thinking of the days, weeks, and months that Ive been struggling to make you understand that the accounts are not mine makes me insane. Really?! Ive been doing this for months now but I got no answer from you there at Transunion. I already contacted the banks one by one and they agreed to remove the accounts from my file but here you are continuing to report these fraudulent accounts on my credit file. But you there at Transunion has some internal block that you claim you can use to not block the accounts. Dont you feel bothered by what youre doing? You are damaging my credit file for this! Again, I am attaching my FTC along with the recent dispute letter I sent for you to review and to finally consider deleting this damaging information from my file. 

XXXXXXXX XXXX XXXXXXXX, 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 2023-09-03
Company: LEXISNEXIS
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I Am A natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. and they violated my rights numerous times. I demand the accounts listed below be removed because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-01
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Support Team, I am writing to submit a complaint regarding the permanent limitation that was recently placed on my PayPal account, linked to the email address XXXX. I believe that this limitation has been placed by mistake, and I would like to request that PayPal re-investigate my case and restore my account, if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. As a responsible PayPal user, I have always followed the guidelines provided by PayPal and have not engaged in any activities that are deemed inappropriate or illegal. Therefore, I believe that the permanent limitation on my account is unwarranted. 

Secondly, I strongly believe that this limitation is a result of an error on PayPal 's part. I have reviewed my account history and have found no instances that could have warranted such an action. Therefore, I request PayPal to re-examine my account and investigate any possible errors or discrepancies that may have led to this decision. 

Finally, I request that PayPal restore my account to its original status as soon as possible. I have always relied on PayPal for my financial transactions and the sudden limitation has caused significant inconvenience to me. I would be grateful if PayPal could expedite the re-investigation process and restore my account as soon as possible. 

Thank you for taking the time to consider my request. I look forward to hearing back from PayPal soon. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-07
Company: ENCORE CAPITAL GROUP INC.
State: NY
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:
This company is reporting a collection on my credit reports that I have no knowledge of and they have n't provided me any information to what it 's in regards to. I sent them a debt validation letter once I noticed the collection on my reports and have yet to receive any correspondence from them, including the certified mail return receipt. I know my rights as a consumer and they have broken laws that are under the FDCPA, and I wo n't hesitate to pursue litigation against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a chapter  XXXX  bankcruptcy on  XXXX     2015 and   XXXX  still showing in my credit report    XXXX   ac count late, I only hav e  XXXX  new  account, I though that when someone do a bankruptcy it going to be in the credit report but no as late, i send  XXXX  a letter and the Bankruptcy Discharge certificate in  XXXX  and they did not do anything. Can you please help me with this issue. Thanks

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 2023-05-01
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:
The credit reporting agencies removed some but left a few that were due to ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: Paypal Holdings, Inc
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I need {$130.00} refunded to me from PayPal Dropbox # XXXX, XX/XX/2023. PayPal preventing printout. This amount was deducted from my XXXX XXXX XXXX XXXX checking account and claimed to be from XXXX as a recurring charge. The phone # PayPal provided for this fraudulent charge does not work : ( XXXX ) XXXX. When I explained to PayPal that this was a fraudulent, they stated they would tell me the result of their investigation on XX/XX/XXXX. Instead PayPal in a nano second sent me an email stating it was a proper charge. 
I googled XXXX 's contact email. XXXX responded with an email that they had no record of charging me {$130.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a Federally Protected Consumer I know I have rights. I have the right to not have false credit information reporting on my credit report. I have rejected the offers to contract and I never gave my consent to have nonaffiliated third party collections to be in possession of my non public personal information. This is a notice to cease and desist communication and reporting of false credit information on my credit report is considered communication. I am not requesting validation of these alleged debts obtaining as non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. 
There is not even any original creditor information or third party information pertaining to this false credit information other than XXXX XXXX XXXX XXXXXXXX SO WHO ARE THE ORIGINAL CREDITORS? HOW IS THIS INCOMPLETE AND INNACCURATE INFORMATION STILL BEING REPORTED MONTH AFTER MONTH ON MY CREDIT REPORT? Therefore I have strong reason to believe that Equifax and who ever these mysterious creditors that are telling Equifax to furnish this false credit information are both conspiring to collect on extension through unlawful extortionate means. By putting this alleged debt on my credit report your damaging my credit worthiness. DELETE THIS FALSE CREDIT INFORMATION OR ILL BE FORCED TO TAKE STEPS TO ENSURE MY FEDERAL RIGHTS ARE BEING PROTECTED AND ENFORCED. The collection of this extension of credit would be a violation of false claims act. Remove this false credit information from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Loan appeared on my Equifax report an account had been opened for a car loan with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I contacted XXXX XXXX on XX/XX/XXXX and informed them and provided all my my personal information and they reported no account was open under my ssn, name, phone, etc.. 

I made a dispute with Equifax on XX/XX/XXXX. Dispute # XXXX. 

Results were obtained on XX/XX/XXXX indicating account was verified. 

On XX/XX/XXXX, I called XXXX XXXX again and informed them again and they again asked for all my info and denied there was an account including one ending in the alleged account Equifax is reporting. They stated they would open a dispute on there end. 

On XX/XX/XXXX, I made another dispute with Equifax dispute # XXXX and informed them again of my attempts to dispute with XXXX XXXX. Results are pending, however, I fear the same results will appear based on my prior attempts to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted to refinance my mortgage through my current mortgage company NewRez LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Before I applied for the refinance I disclosed to the loan officer : XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX That I had items in collection and would that impact my ability to borrow. I was told by this loan officer that it was " not a problem ", his language. 

I was denied the refinance loan and among the reasons stated was the following ( see atatchmnet ) : " Serious delinquency or public collection or records filed " I believe I was the victim of predatory lending as I paid approximately {$850.00} for an appraisal of my property even though Newrez LLC would have been aware I was not eligible to apply for the refinance based upon the collections activity but pursued the loan to make collect fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: AmeriHome Mortgage Company, LLC
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA loan on a property at XXXX XXXX XXXX, XXXX, MD XXXX that was sold to Amerihome. Since XX/XX/XXXX Amerihome has claimed that I am past due and even threatened foreclosure. When I obtained the loan through XXXX I paid an extra payment at closing so that I would always be one month ahead. In XX/XX/XXXX Amerihome stopped sending statements to me ( after I declined a refinance offer ) and misprocessed an electronic payment. I have a copy of transactions back to XX/XX/XXXX ( when I switched banks due to an identity theft ) and since then, Amerihome has received {>= $1,000,000} in payments. So that is 14 monthly payments of {$2500.00} since XX/XX/XXXX and along with the payment I made at closing, I should be one month ahead not behind as Amerihome claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I got a notification through XXXX  XXXX  that I owed XXXX to a company called sunrise credit services, once I looked into it its a collections agency that is connected to XXXX XXXX XXXX, i do not have any accounts with XXXX XXXX XXXX XXXX and have never had them. Once I tried to dispute it and get it off my credit, nothing happened and they are still fighting saying that I owe them XXXX which I do not

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 2023-06-14
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:
It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-07
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: Information belongs to someone else

Complaint:
I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and so  XXXX  dont owe   XXXX   XXXX   XXXX   anything.   I never had an account go past due with   XXXX   XXXX   this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or   XXXX    anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.   Ga  XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

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 2017-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have applied for a mortgage and there are so many errors on my credit report that need to be addressed. I have not looked at my credit for years so there should n't be anything on it honestly.   I never had an account with  XXXX   XXXX  and s o I d ont owe  XXXX   XXXX   XXXX  anything.   I never had an account go past due with   XXXX    XXXX  this is an error or someone did this in my name.   Again I never have activated a  XXXX  account this account is incorrect or opened without my authorization. I dont owe them or  XXXX  anything and they 're on here twice. Please remove these incorrect items off of my report.   I have no idea what this medical collection is and I dont have any outstanding medical bills.    XXXX   XXXX   XXXX   XXXX  is another account i never authorized anyone to open in my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
In XXXX and XX/XX/2019, I paid off two credit accounts ( XXXX XXXX and Bank of America XXXX in full based on the current balances posted online. Both accounts were paid on or before the due date. In spite of paying the full balance posted XXXX not the last statement balance ), I was required to pay additional interest in subsequent months. As a consumer, this is a true slap in the face of anyone who pays their accounts in good faith in order to maintain or achieve good credit. How are consumers supposed to get out of debt if interest continues to accrue on balances that get paid off? Please consider developing a process where consumer credit accounts can offer a pay-off request on-line similar to consumer loans so that people can be reassured that paying off an account is final. This means that if a customer selects a pay-off request, then daily interest stops. If the payment is not posted in full by the pay-off date, then of course interest should continue to accrue. I followed up with both creditors and paid the interest, however I was given no guarantee that the posted interest does not constitute a new balance which can accrue additional interest. My creditors certainly didn't offer to waive the interest on the pay offs, so this creates a cycle of being robbed masked as the " cost of credit ''. Please explain how a credit account can finally reach a {$0.00} balance short of closing the account entirely.

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 2023-03-11
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
MBA LAW is listed on my credit report for owing a debt originally owed to XXXX XXXX in the amount of {$1400.00}. There is also a similar account on my credit report by MBA LAW for owing a debt originally owed to XXXX XXXX in the amount of {$610.00}. This is for supposed medical bills that were billed during a time period when I was covered by health insurance. I was unaware of this issue until this account showed up on my credit report and negatively impacted my credit history and credit score. I attempted to contact the original creditor who refuse to provide any information pertaining to this " debt '' and was told to contact MBA LAW. I contacted MBA LAW over 35 days ago and requested all information pertaining to this matter in writing, the collected my mailing information and I still have not received the documentation I requested. 

I understand the company has a certain amount of time to respond and was told that my paperwork would be sent via mail within the next few days. I still have received nothing over a month later. This account needs to be removed from my credit report!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-07
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: Account status incorrect

Complaint:
I closed my checking account with this bank last year and made sure the account was closed with a {$0.00} balance. I 'm now seeing that they are reporting a charge off amount for the account! Nothing was owed to them and they would n't even let me close the account with funds still in the account which had to be withdrawn or spent, so how is it possible to charge off an account that was  MY  money??? Not only that, but since the account has been " charged off '' the balance is continuing to increase. Also, this same bank pulled my credit as a hard inquiry in   XXXX   XXXX   XXXX   even though I do n't have any accounts with them or ever gave them permission to run my credit.I live in a state that this bank is n't even in and have no need for their services so I would n't have been looking to take a loan out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: EQUIFAX, INC.
State: AZ
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the EQUIFAX credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation