BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now iXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-08-20
Company: Experian Information Solutions 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:
This account is showing up on my Experian credit report after I explained the errors and problems that this account is causing me. I just moved to a new apartment and took a transfer at my job to accommodate my move and because I work in the XXXX XXXX, I had to explain several times why there is a settlement listed on my credit report. 

I wrote all 3 bureaus explaining the error that XXXX is making on my credit report. XXXX is saying that this account was SETTLED when in reality this account was NEVER supposed to be in collections because I cancelled service within the 14 day trial they gave. I returned equipment and was not bound by any contract. After I cancelled XXXX they said I had to pay for service, I explained that I did NOT have to pay according to the terms of their agreement during the trial. XXXX explained the confusion and they wiped the balance to XXXX and still reported this account on my credit with a XXXX balance. I Never paid XXXX anything on my credit report. It shows PAID IN SETTLEMENT How could I have settled a balance and the original balance is listed as XXXX.. They are misleading people by saying that I settled a balance which is not true. I never had a balance with them. This misleading statement is inaccurate and violates my FCRA rights. Additionally I have already addressed this issue where XXXX  and XXXX  deleted the account. Experian is the only bureau reporting this account saying it was VERIFIED as accurate when clearly this account is illegally reporting. I have a copy of all the disputes that I have sent out and I can furnish them to the CFPB or any attorney that wants to review this case. I need the CFPB to look into the investigation procedures of Experian and XXXX in this case. This is the ONLY Charge Off or collections on my credit report. This type of error is hurting my near perfect credit. My FICO score is suffering and as I have to write and explain this account, I am missing opportunities because this company is reporting an error on my credit report. 

I would like to request 2 things on record. 

# 1 the full payment history on this account.

# 2 is this account to be DELETED from the 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 2023-06-22
Company: EQUIFAX, INC.
State: MS
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:
This is my third time filling this complaint regarding this account that has been appearing as a negative account due to a Late Payment even though I was never late. This is the account appearing XXXX XXXXXXXX XXXX Take action and update the payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-06-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. 
TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX  XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. 
i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.

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 2020-05-30
Company: FISERV INC.
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I destroyed my VISA Debit Card by mistake, the name of the Card was very irritating ( XXXX   XXXX XXXX - Part of my spouses name ) and I was thinking it is a fake Card.

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 2023-05-10
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately 9. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX As a consumer by law, this account must be deleted immediately 10. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account XXXX : XXXX Please remove it from 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 2019-01-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to you guys around XX/XX/2018 regarding some things on my credit that is not mine. The accounts were removed except for XXXX XXXX XXXX and XXXX XXXX. As I went through my reports I also saw some inquiries that I dont know nothing about. XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. Please have this false information removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: Experian Information Solutions Inc.
State: TN
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:
Im currently in the process of trying to buy a home and when looked at my credit report I noticed late payments are reporting which is stopping me from buying my dream home. I mailed this company a letter asking for them to remove the late payment and I received a letter back stating we are unable to make any adjustments to your payment history as requested In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-06-20
Company: Paypal Holdings, Inc
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I ordered a software called XXXX that supposedly would increase my chances of getting sneakers. The ordered was placed through PayPal on XX/XX/XXXX. The transaction was posted on my XXXX XXXX account on XX/XX/XXXX. 
The company that sells the software/app called XXXX advertises the app in a very deceptive way. I called XXXX XXXX to dispute the charge as the company claims they don't issue refunds. XXXX XXXX said they could do nothing about it because the transaction was made through PayPal. I contacted PayPal on XX/XX/XXXX, they in turn contacted XXXX XXXX XXXX XXXX XXXX XXXX stated that I wold not get a refund and they shared their terms and conditions. XXXXXXXX XXXX XXXXXXXX made it seem to PayPal like they sold me a product that I just do not know how to use. When in reality, they sold me a software that just works as an autofill option and only works on items that do not need any software to be purchased. This makes the purchase and software pointless. 
Paypal ruled in the merchants favor because they stated I did not receive a damaged item, I have worked for a company that does bait and switch, XXXX XXXX XXXXXXXX is definitely one of these. XXXX XXXX XXXX advertises something, sells you another thing and then makes you seem like the bad/incompetent one to the financial institutions. I took this long to make a complaint because I just now realized that I could do this. 

https : XXXX I attached images of the conversations, they make the bot seem like something that is very desirable. Only people who would pay more than what I paid are people who are even less informed than I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: Resurgent Capital Services L.P.
State: NE
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 on many occasions disputed a debt listed in my Credit Reporting file, the debt listed is LVNV and is for a debt they supposedly purchased from a company called XXXX XXXX. In response to each dispute, I have received a message stating the debt is verified as mine. 

I have not done business with XXXX XXXX and have requested multiple times a document signed by myself be produced for my review reflecting my authorization of the original account being opened, neither XXXX or LVNV have produced a document of any type and I only get a notice that the debt has been verified. 

I am again disputing this debt as not mine and it still remains listed as a verified debt on my Credit Reporting file. 

Is it now allowed in the United States in conflict with Federal Law to just pick random people as a business and claim that they owe you money without ever having to produce any form of legal documentation to verify a debt? I have disputed this so many times and I have never had one piece of legal documentation provided to me with my signature, yet I constantly receive notices the debt was verified. 

I have requested many times a copy of whatever process was used to verify the debt along with any documentation that has been provided by LVNV to XXXX as verification that the debt is mine, XXXX has failed each time to produce any documentation of the verification process they supposedly used to verify the debt. It should be my legal right to request documentation with a signature reflecting my authorization of the original account, as a matter of preventing identity theft. 

If there is never legal documentation provided as verification, what do we have to prevent identity theft by unknown individuals or false claims of a debt by unscrupulous businesses within the United States. 

If a business only needs to make the claim that a debt is owed then never has to produce signed documentation to verify the debt was authorized, it opens the door ( all United States Citizens ) to the potential of Identity Theft by unknown individuals or businesses not operating within the guidelines of Federal and State laws to unfair debt collection and Credit Reporting, it will force individuals into paying debts they never owed in order to attempt correcting the issue and getting a valuable credit score back. 

I am not only filing this complaint with the CFPB, I am also filing a complaint with the Nebraska Attorney General and filing a complaint with the United States Attorney. I am also forwarding all responses from day one involving all complaints files, disputes files, etc. to our Senator and Congressman to bring attention to this matter and possibly start a change in the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions Inc.
State: CA
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:
My credit profile seems to not exist even though I had an open XXXX Department of Education loan in good standing with XXXX XXXX since XX/XX/XXXX and other loans since XXXX. So why do I not have any credit profile with my name XXXX XXXX XXXX on any of the credit bureaus? Why are they denying me my opportunity to obtain credit? This is a clear violation of the equal protection clause, the Fair Credit Act, Consumer Protection Act, American with Disabilitirs Act, and countless other federal and state statues. You can't just delete a profile and not report an account like a student account from the federal government that is in good standing, but if it were in default you would report it in a heartbeat. I demand an investigation and a statement on my credit profile when you are mandated to publish it stating what you have done so that crodiy.compamies know that the credit bureaus are disgusting and a new bureau should be established ( the 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