BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-09
Company: EQUIFAX, INC.
State: NY
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:
To Whom It May Concern : I am writing this letter to dispute the results of a previous investigation made by your bureau regarding my credit report. I do not agree that a full investigation was made into the account reported by XXXX XXXX XXXX ACCOUNT # XXXX and ACCOUNT # XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how the account was validated, the representative from whom the validation was obtained, the name and contact information of the company, the phone number, the last day of delinquency, the last date of activity, and whether they are properly reporting under my FCRA rights. 

I understand that the account reported by XXXX XXXX XXXX is a past-due amount, but I do not have an open account with this collection company, and I was not provided an original validation with my signature. Additionally, XXXX XXXX XXXX is actively charging off the account, manipulating payment history, and is in violation of the FCRA. 

Therefore, I demand that these accounts be removed for these violations, and if your bureau can not confirm that every piece of information is 100 % correct, then I demand that it be removed from my credit reporting. 

I am requesting that you investigate this matter promptly and provide me with a written response within 30 days of receiving this letter. Please also send me a copy of my updated credit report reflecting any changes made as a result of this dispute. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called equifax two times on XX/XX/XXXX because for some reason my credit report is gone, it says that it hasnt been updated since XX/XX/XXXX and this is getting me really upset because when I called they gave me the run around, first they told me to use a different device to log in to my account to see if it works and then they said that they are aware of the problem and that they are working on it but I know that what they told me isnt true. I cant access my credit report anywhere online, XXXX XXXX doesnt work or any of that. I keep getting the code BLNK when I log into my account and when I call equifax and give them this code, they cant fix the problem, I need this problem fixed because this is annoying and I am being affected by it, when I apply for loans, I get denied because of my report not showing at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-06
Company: Professional Recovery Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We are in process of buying a home where this debt continues to be re-reported even though it has been paid to the collection company.      Fox Collection made verbal promise that by us paying the debt, the debt would be REMOVED from all credit b ureau 's. We were very clear that there was NO value in paying a debt and it being marked " paid '' as that only increases my score by   XXXX   XXXX   or  XXXX .     As of today, their negligence to fulfill their end of the agreement made by paying off this debt has again caused my credit rating to drop nearly  XXXX  points. Which additionally, this substantially impacts my mortgage rate.     Furthermore, to-date, they have only marked paid,  XXXX  credit bureau which causes substantial descrepancies in m y credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX XXXX dollars and XX/XX/XXXX XXXX  dollars was deposited into my PayPal account for a old drawing I had and a gentleman purchased it well I had to wait for access to this money for 6 days due to the fact I had to follow their procedures which i did then they finally released the money for me to have access too well within 5 hours of having my money they then put an account limitation on it saying I needed to provide some more information proof of identification tracking information and etc all of this was provided same day it was asked for so for the next 4 days I talked to several people several times a day and each person telling me the same thing you have provided all the information we asked for and the limitation will be lifted well yesterday ms XXXX got all the information again plus extra proof of requirements so that it would be lifted well I receive an email stating they closed my account and I have to wait 180 days to get my money so I call and they tell me there is nothing they can do because back office made decision the buyer had tried to help telling them he is happy and received the item and to release the money there is no reason for them to hold my money especially since they didn't hold taking out their fees from the start and I had to wait for 6 days to even touch the money then only had it for 5 hours and they stopped me accessing my money. There is no fraudulent issue no issue with buyer no issues at all except with them not releasing the money what bills I did get to pay from this account while I had access to it the ones that didn't clear because they put hold on account in middle of me paying bills have been returned and now these companies have closed these accounts and I being charged XXXX dollars per returned fee. I understand they needed informations and to make sure buyer was happy and received item and they were provided every thing they asked for why let me have my money to turn around and take it back for no reason and now tell me I have to wait 180 days. Someone please help me I am so upset and confused I don't know what to do.. thanks XXXX XXXX . XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: Experian Information Solutions Inc.
State: NC
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 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 2021-08-30
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 requested a Block due to ID Theft to TransUnion and was denied with no reason provided. Below are the attempts to have this resolved. 

XX/XX/19 Fraud Alert Added to my TransUnion Account File # XXXX XX/XX/19 Credit Freeze Added XX/XX/19 Mailed FTC ID Theft Report # XXXX, copy of DL, police report XXXX disputing fraudulent activity on XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, address of XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX and all 58 inquiries listed on my credit report. I also included a statement from XXXX XXXX the account is closed with {$0.00} balance, letter from XXXX XXXX dated XX/XX/19 stating there are no late payments. 
XX/XX/19 I did not receive a response from my request and was instructed by the FTC to send a Block request for the ID theft so I mailed them this letter, FTC Report, copy of DL, copy of TU credit report showing fraudulent activity and a copy of FCRA 605B. 
XX/XX/19 I received a letter from TransUnion file # XXXX stating they have declined my ID Theft block request but failed to provide the specific reason. 
XX/XX/19 I called XXXX-XXXX-XXXX XXXX XXXX CST and spoke to the fraud department representatives regarding this XX/XX/19 letter file # XXXX. I spoke with XXXX, XXXX - stated the letter was sent in error and to wait for the dispute to complete by XX/XX/19. I explained TU had 4 days to block the fraudulent accounts which he denied, asked for manager, transferred to XXXX who stated the fraud block did not meet their internal criteria for fraud and refused to disclose what this was, asked for manager. Trans to XXXX a manager that also refused to provide this criteria or any information to get this blocked. I asked for a manager he refused and stated there was no one above him but gave me the corp office # XXXX-XXXX-XXXX which is a vm for the executive resolution team. I left a detailed message on XX/XX/19 XXXX XXXX CST.

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 2023-09-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted Synchrony and told them this is not my account. The were to do an investigation. They say it is my account but it is not. At first the account had a Georgia address. The just changed the address to my current address.I called and filled out paper work and I explain that it was not my account. They then change account number. I never apply for the XXXX XXXX. I do not have their card. We are getting no where with their investigations. The card was opened some time in XXXX. The balance is over $ 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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Dear TransUnion Pursuant to 1692g, I am requesting the Method of Verification for the following disputed account ( XXXX ) : XXXX XXXX  This is in accordance with the Fair Credit Reporting Act611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute.

This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identity item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit accounts, judgment, etc. 

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account from my credit report to prevent further damage. 

Best Regards, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved

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 2018-08-17
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted the company 4 years ago when I was alerted of debt & disputed with debt collection of identity theft. Creditor agreed to remove account but debt is still on my credit. Company has no file of my account, due to new management over the past few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 

Account name : # XXXX, Account name : # 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 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 2022-10-15
Company: SANTANDER HOLDINGS USA, 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:
This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX  It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX : SANTANDER/XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX XXXX  Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
TRANSUNION ENGAGED IN REPEATED FRAUD AFTER REPEATED FRAUD HERE ARE LIST FRAUD BY TRANSUNION SUBJECT TO SERVING PENDING FCRA LAW SUIT ( 1 ) WRONG PHONE NUMBER XXXX ( 2 ) WRONG PHONE NUMBER XXXX ( 3 ) WRONG PHONE NUMBE XXXX ( 4 & 5 ) BALANCE OF BOTH BANK OF CREDIT CARDS = XXXX ( 6 ) UNAUTHROIZED INQUIRY INTO CREDIT REPORT BY XXXX XXXXXXXX

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: EQUIFAX, INC.
State: TX
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 Repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm disputing have nothing to do with any transactions I've carried out or given consent for in order to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-27
Company: Experian Information Solutions Inc.
State: RI
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:
say this because, the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please reverse these late payments from my consumer report and update this account soon possible

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 2022-08-09
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hello, this bank is always charging for overdrafts that never actually happen and I am tired of fighting them over it. On XX/XX/2022 my posted balance at the end of the day was {$340.00} yet I was charged 2 overdraft fees that day. I messaged online to request a refund of the fraudulent fees and was told they would open a ticket and someone would get back to me. I still have never heard back from the bank. My escalation number is XXXX. Please also note that I am opted out of overdraft coverage service and have been for the life of my account. This is not the first time this has happened to me and I have also read multiple complaints of this happening to other customers as well. I know that by bank regulation they can not charge me an overdraft fee for transactions that have not actually posted to my 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 explanation
Consumer complaint received 2023-05-28
Company: EQUIFAX, INC.
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:
Dear Equifax, Please remove the following accounts from my credit profile as I am not responsible for the accounts, I am only an authorized user of these accounts and I am not responsible for these debts. I have disputed these accounts on multiple other occasions, and you keep saying they belong to me and will not remove them. Then by you refusing to remove these accounts from my credit report you are ruining my credit score and not reflecting an accurate representation of my true credit worthiness and are in violation of the Fair Credit Reporting Act, section XXXX XXXXProcedure incase of disputed accuracy. Your agency continue to fraudulently assert that this is not an authorized user account, that it is in fact mine, and that the information is factual, which is inaccurate, even though the other major credit reporting agencies have already deleted both of the accounts mentioned in my first notice of dispute. It is now clear that your organization violated the Fair Credit Reporting Act 's regulations by failing to undertake a proper investigation after being notified of this issue on multiple occasions. I demand that you delete both of the accounts at once ; otherwise, I will be forced to escalate this issue to the federal level. The following accounts in dispute are listed below.

Company response to consumer: Closed with explanation