BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-05-19
Company: EQUIFAX, INC.
State: TX
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 According with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX 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 that a consumer reporting agency can not furnish a account without my written instruction and permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: SANTANDER HOLDINGS USA, 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:
Chrysler capital is reporting inaccurate information on my credit profile they saying that I made a payment in XXXX2022 when they repossessed the vehicle in XXXX of 2022. They auction the car off but they reporting that I still owe them the full amount when my gap insurance paid the remaining balance. Which should be XXXX dollars. I would like for them to delete it off my credit report because its inaccurate and its has cause me to not obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've contacted XXXX XXXX & they told me I've never missed a payment, yet XXXX, Equifax and XXXX credit Bureaus refuses to update me from being listed as late starting on XX/XX/2022 to XX/XX/2022 on this account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do 3 Bureaus job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to update these damaging negatives from my profile. 
XXXX XXXX Balance : {$8200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-28
Company: Experian Information Solutions 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 2022-09-11
Company: Specialized Collection Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
As of XX/XX/2022 without prior notice in writing to me, consumer ; I am not 100 % percent sure if this account belongs to me. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. XXXX and Specialized Collection Systems are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, account XXXX XXXX XXXX XXXXXXXX alleging {$13000.00} is owed, the account must be deleted. I want this account deleted if it not 100 percent right, verified, validated and correct. By law you have 30 days to complete this investigation. Said investigation must have proof of contract, with my wet ink signature to include proof showing a power of attorney that I granted XXXX XXXX XXXX consent to share my personal information to third party debt collectors and Specialized Collection Systems . 

Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Please investigate every piece of information for this account. If it's not accurate, please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute for the collection of XXXX in the amount of XXXX $ about a month ago. Equifax deleted it. Now 3 days later the collection is back on my report. I have given them the proper documents signifying it is a fraudulent collection account and it still comes on my report. I tried disputing online again but they will not let me dispute without calling in on the phone. I called in on the phone and was transferred to the " Fraud '' department where I sat on hold for over XXXX XXXX  This XXXX XXXX needs to be deleted and stay off my report. I will be contacting the attorney general if Equifax can not properly resolve this fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: MD
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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I checked my credit report with XXXX and XXXX, and found that Source Receivables Management is reporting an unknown account transaction. I've never done any business nor had any accounts with the company. I also never gave any written nor implied consent for the company to obtain, store, share, sell or utilize my identifying information. 

Using my identifying information without my consent is considered identity theft under Federal Law. I am now taking the proper steps to protect my information starting with this notice and complaint. 

I am demanding that the account transaction and associated information be removed from my name and credit reports promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
For entire month of XX/XX/2023 I tried transfer money from Bank of America to another financial institution-5 times through previously installed line between my account in BoA and other financial institution, every time posted transfer was returned back to my account of BoA without any reason and information. I set up appointment with manager brunch of BoA, we spent 1.5 hrs. without any result, contacting upper level of the management BoA, available for brunch manager. 
I contacted a few times the President of BoA for retail XXXX XXXX XXXX, and a few reps from BoA called me and per their investigation provide me with information about my posted transfer, again, without any explanation HOW and WHO made this mess and without any responsibility/compensation for losing money, which my family expected profit for such transfer. 
I expect involvement CFPB in such mess and result, including my family hope for compensation from BoA for such business behavior for us, average Americans

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 2021-05-18
Company: WELLS FARGO & COMPANY
State: GA
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:
mortgage company not reporting mortgage to XXXX but the mortgage is reporting on the other two agencies

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 2022-07-11
Company: EQUIFAX, INC.
State: AL
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:
`I went to XXXX XXXX to get a vehicle and I was told that they were only going to run my credit report but after I checked my report I have several hard inquiries attached to my report that I would like to be removed please. 
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 2023-11-30
Company: EQUIFAX, INC.
State: MS
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I called the customer support number for my Citi Card asking them if it was possible to pay off my purchase amount. I also had a Flex Loan. I only wanted to pay the purchase amount as my interest rate was going to go up. They told me absolutely I could pay only the balance on my purchase amount. I asked them what that balance would be as of that day. They told me the amount and I asked them several times before we hung up if I pay that amount it will pay off the purchase amount and that it would be definitely applied to the purchase amount only. They assured me that it would and that this was noted on my account. So I made that payment. When I received my statement on XX/XX/2023 that is not what had happened. The entire amount had been applied to the Flex Loan instead. I did a Chat session with a customer service repXXXX named XXXX. He stated that he submitted the request to get it corrected and they would have this fixed within 3 to 5 business days. I stated my request again and XXXX replied back that it would definitely be corrected and that I would receive an email confirmation and a letter in the mail. I contacted Citi back after it had been the 5th day and XXXX again told me that it was processing to wait a few more days. I contacted them again on the 8th day and they gave me a number to call. I called that number and they very rudely told me that they could not do that. I have been back and forth with them since being even told " maybe it could or maybe it could not '' I would like my payment applied to the correct purchase amount as previously requested and this fixed as they had previously told me that it would be. I have spent hours trying to resolve this and have been treated extremely rudely.

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 2022-11-20
Company: Resurgent Capital Services L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Checked credit report as I was alerted to a new creditor who has reported to the credit report bureaus : XXXX, XXXX, & XXXX. 
Debt Validation letter mailed to XXXX XXXX XXXXXXXX XX/XX/2XXXX XXXX XXXX  mailed letter to me XXXX XX/XX/XXXX XXXX XXXX failed to comply and verify proof of debt and ownership

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I got charged from Bank of America for monthly maintenance fee. And I transferred money to the account immediately to try to fix this issue. However they told me that I have to got deposits from my employer to waive it. 
It is a close logic loop. If I got monthly payment from my employer, how could I get my account below XXXX? And there is no notification or alert for this fee. Customers only knows it before they got charged

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 monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-03-31
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:
As of XX/XX/2023 Ive notice this fraudulent ACCOUNTS AND INQUIRIES this is a list below of fraudulent inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-14
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, 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 have contacted all three Credit Bureaus/Agencies XXXX XXXX  Equifax, XXXX XXXX and the Creditors ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, I have tried several times to deal with the customer service reps to no end. 

My credit report is being affected by wrongly reported lates. Account XXXX is being reported late in XXXX, XXXX and XXXX. XXXX ( which is paid off ) is being reported late for XXXX, XXXX and XXXX of XXXX ( in which a XXXX payment was made on the XXXX ). but I am not being credited with a {$200.00} and a payment that was retried and successful from my account on XX/XX/XXXX. It is only showing reversed in your records on XX/XX/XXXX so technically the payment was made on time. 

Also, in XXXX being reported late but I made a XXXX payment on account XXXX and XXXX on XX/XX/XXXX. Also on XX/XX/XXXX and XX/XX/XXXX payments of XXXX were made and successful. on account XXXX on XX/XX/XXXX a payment was made and successful for XXXX and XXXX on the XXXX. So the late in XXXX and the late in XXXX are incorrect as I am also not having the XXXX payment on XX/XX/XXXX reflected as paid. I need to have these lates removed from my reports as they are incorrect and payments that were retried were not recredited to my accounts. I do believe there were more retries that we done and never credited to my accounts as well or put on the wrong accounts. I have been a long-standing client and would like to continue to be but these errors are affecting my credit rating and I was not late as payments are not being credited correctly. I see many complaints on here of the same issues from other people. SO this is a trend with this company. I am attaching all my bank payments to XXXX  here. Not all have been credited to my accounts and were marked reversed when they were not. I never had any lates before on my XXXX XXXX card accounts.

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