BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-31
Company: Experian Information Solutions Inc.
State: KS
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 items 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 items 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 items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-06-28
Company: Paypal Holdings, Inc
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
InXX/XX/2023 I received a debit card from PayPal which I never applied for. I thought the package was ads so I did not open until XXXX. On XX/XX/ when I opened the package and see such card, I feel it must be related to ID theft as I never applied for such card, and it was not shown in my own PayPal account. I contacted PayPal immediately and reported the receiving of the card and urged them to close the card and do fraud investigation on the card and whatever PayPal account it linked to. The representative assured me that there was no activity and I will not be responsible for whatever transaction happened on the related account. 
In XX/XX/XXXX I received collect letter from company named XXXX XXXX XXXX XXXX, claming that I own PayPal {$25.00} from a PayPal deposit account I never owned. I contacted PayPal again on XX/XX/XXXX and they said that deposit account was linked to the debit card I reported in XXXX. Seems after my call they just closed the debit card and send whatever the costs/debt from that account to the debt collector with my personal information without my authorization. They did not offer any solution about how to handle the collect company just ask me to tell them it is a fraud, but the collect company is asking me for more personal information like XXXX and XXXX before handling my case, which I feel uncomfortable to share.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: VA
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. 
XXXX  Account, 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 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 explanation
Consumer complaint received 2023-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off a {$14000.00} auto loan and Equifax lowered my score by XXXX points. HOW THE XXXX DOES THAT MAKE SENSE!?!?!?!?!?!?!!!???!!? Looks like time for another class action lawsuit against Equifax. WHY ISN'T CFPB DOING ANYTHING?????????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Reporting company used your report improperly

Complaint:
Equifax XXXX XXXX XXXX Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. So, I did reach out to these company, and they were unable to provide me with any valid proof of any delinquent. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? while doing extensive research where it states by law, I have 30 days to complete this investigation. and I have not gotten a response back and it have been longer then 30 days. Please investigate the following accounts and remove them if anything is missing or not correct on them. from the look of things my information has been sold without my consent which is in vallation of my privacy. 
I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the form area.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-05-02
Company: Experian Information Solutions Inc.
State: MI
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:
1.XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  & XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been disputing 2 accounts from XXXX XXXX in the amount of {$620.00} and another account with the amount of {$460.00} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But XXXX  and transunion and XXXX always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense XXXX  .transunion, XXXX  doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-08
Company: KEYCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I met with XXXX XXXX, a XXXX XXXX at Key Bank about changing my accounts and setting up a major credit card. XXXX XXXX informed me twice that charges to the credit card would incur zero interest for the first XXXX XXXX Shortly after being approved, my dog had some emergency medical issues so I charged my new Key Bank XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I charged {$3900.00}. I planned to pay it off within a year so that I wouldnt have to pay any interest. So I was shocked when I received my first credit card bill and saw an interest charge of {$83.00} on XX/XX/XXXX. I called XXXX XXXX and he said that yes, it should be interest free for the first 13 months. He said he would research the issue and get back to me. He called me about eight days later and told me that the zero percent interest was only for balance transfers. I exclaimed that that isnt what he had told me. XXXX said he would do some research to find out what I could do about this situation. He never called me back. Since then, I have had more medical emergencies with my dog and have charged an additional {$1300.00}. There was also an additional interest charge of {$82.00} on XX/XX/XXXX. I was misled by Key Bank regarding the credit cards interest rate. I believe I should be reimbursed for the interest charged, {$160.00}. In the past week, I have had to obtain another credit card with a no fee balance transfer promotion and 1.99 % APR for the first XXXX XXXX The transfer to this new credit card of the Key Bank credit card balance is in process. Thank you for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-09
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was exposed to chemicals at work and my XXXXXXXX XXXX I was taken from work to the hospital by my employer and spent two months in the hospital. I had part of my XXXX XXXX  as a result of the inhalation of chemicals. It is illegal for a physician or medical facility to bill an injured worker if they know the injury is work related-related. this law is found in California labor Code section 3751 ( b ). This dept is for a work related injury and there is a current and open workers comp claim. I will attach the documentation that shows that there is a current and open worker comp claim and they are absolutely aware of the fact that there is and I have provided this information to The Hospital as well as this Dept Collector. This Hospital Bill is the sole responsibility of the Workers Compensation insurance company, and I am not legally responsible for any medical services rendered. This Company is Harassing me for a Fraudulent Dept collection that was never my responsibility, nor will it ever be my responsibility and it is completely fraudulent and unethical to be billing me for anything regarding having part of my XXXX XXXX due to being exposed to toxic chemicals at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 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. I have contacted XXXX, Equifax, and XXXX about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2022-08-15
Company: LEXISNEXIS
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 filed bankruptcy XXXXr XXXX in XXXX XXXX, however the credit bureaus are listing debts as charge offs when it is included in bankruptcy. Ive disputed this ( 3 ) xs to no avail. Ive duplicated injuries from places that I didnt give permission nor signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This was an XXXX XXXXXXXX XXXX, I placed my the cards which were in a mini case in my jacket pocket after shopping in XXXX XXXX XX/XX/2017. I then went to XXXX where I XXXX I didn't realize that the cards were missing until months later ; approx 5 to 6 months later when I looked in my wallet and they were not there. After rambling, I remembered I put the card wallet in my jacket months earlier to make a purchase. I logged online and saw several charges from XXXX XXXX that were not mine. I contacted the creditor to advise that these charges were not mine and advised why I was stopping the auto pay. I'm not sure if the card fell out at XXXX or somewhere downtown when I was walking to my car. At the time that I viewed the accounts online the amount charged was approximately {$3900.00} with XXXX XXXX, this is what raised a red flag. I never charged that much and had the account set up on auto pay to pay the minimum charge each month. I was basically using tip money to pay for miscellaneous expenses therefore, I wasn't charging on this cards. After no contact from XXXX XXXX when I disputed the charges, the account was sent to Portfolio Recovery Associates LLC. I have spoken with them and advised that the debt was not mine. They sent packet information along with some print out receipts. I must file a report to go along with the information that they sent to me to dispute these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
When I sent a copy of the FTC complaint, it took some time for the credit bureaus to clarify that they are not obstructing records. I'm providing this complaint to help with formulating a legal response because it is required by FCRA regulation 605b. In the event that you decide not to stop the other items listed below that are responding incorrectly due to fraud. Following are the items that should be deleted from my file : 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