BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called USAA yet again today and tried to get a payment and billing history summary on my auto insurance account. Please provide a copy of all the bill year to date. Please also provide a list of each payment received. I would like a payment history mailed to me as I believe there is an error. I tried calling in past and they just sarcastically discussed tokens with me. In a double speak XXXX manner instead of assisting. I told them i dont care about tokens or race issues. I just wanted to get the payment history and billing summary mailed to me in hard copy print form from the duration of the account. Can you please provide this and then cancel my auto insurance policy effective immediately. Thank the tokens in your offices and the hold times. They have been unreasonable with their hold times since i signed up with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name 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 2023-03-12
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: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had three late payments on two separate accounts with one company that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have been making my payments on time for the last two years for my accounts with XXXX XXXX. I asked for a Covid Relief one month when it was offered in XX/XX/2021, due to not working during that time. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided. I demand these late payments be updated to on-time to reflect the consistent on-time payments I have made. As, I have been diligent in maintaining a positive payment history and as I stated above. I have not made a late payment in two years going on three. Please investigate. Thank 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 non-monetary relief
Consumer complaint received 2018-03-30
Company: Commonwealth Financial Systems, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Finance has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law. Date XX/XX/17 Amount {$620.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: Credit Karma, LLC
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Fraud on my name and accounts not me accessing any of my information so dont let use it add cash Im my name XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: EQUIFAX, INC.
State: FL
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:
XXXX REPORTS TO GIVE OTHER CREDITORS THE IMPRESSION I AM A FINANCIAL RISK. I CALLED XXXX TO MAKE A PAYMENT ARRANGEMENT DUE TO LOSS OF EMPLOYMENT. WHEN I ARRIVED TO PAY THEY DID NOT HONOR THAT. I ONLY OWED XXXX DOLLARS AND WOULD BE REIMBURSED XXXX. THEY STOLE MY MONEY AND CLAIM IN THEIR INVESTIGATIONS NO ATTEMPT OR PHONE RECORDS ARE ON FILE. THIS HAS BEEN REPEATEDLY DISPUTED. I HAVE CONTACTED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, PORTFOLIO RECOVERY ASSOCIATES repossessed XXXX XXXX XXXX auto from XXXX State that has been paid off XXXX XXXX XXXX prior to shipping to the State of XXXX  in XXXX in a private parking space in a confidential address. XXXX XXXX reports lawsuit with XXXX  State Multistate Lawsuit with XXXX XXXX. XXXX XXXX notes sold the Auto loan in XX/XX/XXXX to PORTFOLIO RECOVERY ASSOCIATES. XXXX State ETitle DMV held a lien due to contested unpaid child support to a XXXX XXXX XXXX  ( Paid off the title ). 

I responded by email to PORTFOLIO RECOVERY ASSOCIATES employee that the XXXX XXXX XXXX is paid off and must be released. I sent a copy of Paid debt from the XXXX Multistate Auto Settlement with XXXX XXXX XXXX On XX/XX/XXXX, PORTFOLIO RECOVERY ASSOCIATES.served certified mail forwarded from the previous address XXXX XXXXXXXX XXXX  to address new address to serve a lawsuit. 

I was served again by forwarded certified mail that my paid-off XXXX XXXX XXXX repossessed by PORTFOLIO RECOVERY ASSOCIATES was auctioned off and that there was {$38000.00} debt from the original auto debt paid off {$18000.00}, which is triple the debt for an auto loan that is paid off. 

XXXX reports debt as paid off Charged off settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2020-12-28
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent collection account from MRS ASSOCIATES showed up today on my credit report on behalf of XXXX. I do not use XXXX and I have never provided my information to them. This is a fraudulent account opened under my name. This account was previously being showing on my credit under a different collection agency called " XXXX XXXX XXXX  '' ( complaint XXXX ). " XXXX XXXX XXXX  '' admitted the issue on " XX/XX/2020 '' and somehow it is now showing up again under MRS ASSOCIATES. 

A police report was previously filed with the XXXX and it is attached. Please fix this. 

Thank you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are two collections that have recently appeared on my credit report this XXXX and XX/XX/XXXX, these are due to fraud and identity theft. Both collections are 3 years and 8 months old. I can see that one of the collections is from a Credit Card with XXXX XXXX that was closed in XXXX and reopened fraudulently in XXXX. A credit statement was sent to me which I disputed because it was not me that opened that account. I froze my credit because soon after I had calls for home loans and bank accounts trying to be opened under my name in California. These identity theft and fraud collections have never appeared on my credit report until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I called the company XXXX XXXX to settle on a payment to be able to take this account off my credit report. XXXX XXXX agreed to delete account and remark it as Settled as soon as I made them the settled payment but they didnt do anything of what we spoke about. I have letters proving it.

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 2023-04-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I am writing to appeal the permanent limitation placed on my PayPal account. I strongly believe that this limitation was placed by mistake, and I have not violated any PayPal policy. I am kindly requesting that PayPal re-investigate my case and restore my account, if possible. 

To start, I would like to emphasize that I have been a loyal PayPal customer for several years, and I have always complied with all the terms and conditions set forth by PayPal. I am aware of the importance of maintaining a good standing with PayPal and have always strived to do so. 

Despite my best efforts, my PayPal account was permanently limited, and I was not given a clear explanation as to why this happened. I am confident that I have not breached any of PayPal 's policies and would like to request a thorough investigation of my case. 

Furthermore, I would like to request that PayPal take into consideration the fact that my account holds a significant amount of money, which I use for essential transactions. The permanent limitation of my account has put me in a difficult situation, and I would greatly appreciate your prompt attention to this matter. 

In conclusion, I kindly ask that you re-investigate my case and restore my PayPal account if possible. I remain confident that this limitation was placed in error, and I hope to resolve this matter as soon as possible. Please do not hesitate to contact me if you require any further information. 

Thank you for your time and understanding. 

Sincerely, [ Your Name ] PayPal Account Holder Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: DISCOVER BANK
State: MI
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:
This problem is with a Discover credit card. I received a statement on XX/XX/2020 that WAS DUE ON XX/XX/2020 ( 4 days after the payment due date ). While this is not a problem for me since it is set for automatic payment it is well past the date that it is required to arrive. This may be the result of an error by Discover or a delay due to the U.S. postal service. I can, however, see this late delivery being a serious problem for several XXXX ( or possibly several XXXX ) people that would be charged late payment fees and additional interest for their particular credit cards. I am unsure if any part of the government can help prevent this problem from happening to others but certainly all credit card issuers should be appraised of this situation and urged to waive any additional fees and interest when this happens to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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 the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX account number XXXX next account accept it now are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost 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 2018-10-11
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Im being garnished by a debt collector. This debt is from XXXX which is over 7 years. I have not been to court since XXXX about the case. The debt is no longer on my credit report and I have no reason to pay these people. The collector have garnished me 3 times and took my bank account wages. When I call the number of the debt collector I can never speak with the man thats garnishing me he is always in court or not accepting calls. Please help me with this financial nightmare. I have been through financial hardship from this debt company they are harassing and bullying me. I need help getting my life back on track and free of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
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:
Equifax is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Experian Information Solutions Inc.
State: CA
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 act. # XXXX XXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXXXXXX or ( XXXX ) Act. # XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX  XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX Funding Act. # XXXX The XXXX XXXX XXXX. # XXXX XXXX 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 explanation
Consumer complaint received 2019-03-21
Company: Bread Financial Holdings, Inc.
State: MD
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:
I believe it was the first week in XX/XX/2019 and my wife and I stopped in the XXXX XXXX in XXXX Maryland to purchase luggage. We were told they didn't have any there in two sizes and where referred to their web site. I got home and ordered the luggage on their site and was told that i was automatically approved for a credit card and therefore a 15 % discount on this purchase. I said OK and had to fill out a form and did. I received the luggage XX/XX/XXXX and XXXX 2019 as close as I an remember. On the XXXX i received a letter turning me down by XXXX XXXX Bank. I have a XXXX XXXX score or a couple of points either way depending on the agency. I called XXXX on XX/XX/2019 at XXXX and was asked, not by a person but by software to type in my social security number. I hung up called back only to be asked again to type in my SSI #. i finally dialed Zero and got a XXXX who defended this practise so I informed her I would certainly let everyone I know of this event. My complaint is on the legality of asking for my personal information by a computer. I also want to know what different ssi # was on my pre approval and why did not someone contact me right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXCurrent and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXX-Current and only phone number delete all others. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete all addresses- Current and only XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXCurrent and only phone number delete all others. 

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
Consumer complaint received 2023-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been requesting validation of the debt with proof of my name as a legal signature bearing my name since XX/XX/2022. I will enclose a picture of the US postal service offices certified mail receipt dated XX/XX/2022. I have requested to have these records corrected with the 3 credit reporting agencies with no success. I have tried to send all the letters I can politely requesting validation and I have yet to get proof and this company is reporting inconsistent information across the 3 credit reporting agencies. Enclosed I have a picture that is past the 30 days given with no investigation whatsoever into this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief