BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Recovery SER collected {$150.00} from me, XXXX XXXX On XX/XX/2022. This was under Grid Code G - Collections. I am unaware what this charge is for and no one was given my permission to collect this amount, nor was I given the option to dispute it. I have attempted to contact this Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Their contact number is ( XXXX ) XXXX. 

Id like to dispute this at this time and not only get reimbursed for the {$150.00} that was not approved, but regain Credit decrease of 90 points which is my point decrease due to this Flagging of collections. 

Please call me at XXXX with questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Received information from " Equifax '' informing me of a background investigation bring run on my file. The website on the link is not a creditable website from Equifax. The phone number from where the text message was received is XXXX XXXX XXXX XXXX XXXX, the link is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
My country XXXX  ( XXXX, XXXX ), represents XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX MA XXXX ) in XXXX since XXXX. We import products from XXXX XXXX XXXX and sell in XXXX. On XX/XX/XXXX I received an email from XXXX XXXX ( XXXX ) about when I will transfer money, related to our order, to XXXX 's bank account. 3 days later I started to receive other emails from XXXX ( fake address without 's ' ) regarding the status of payment. This email was attached with out previous conversation with real XXXX XXXX. Finally, I transfered money to bank account provided by scammer. On XX/XX/XXXX scammer sent me an email that they have not been able to receive the money and I should talk to my bank. Scammer also said that the reason might be inconsistency between account name account no. Since I found last email suspicious, I have informed my bank and XXXX Police to reach Wells Fargo to stop the transaction or suspend the account. My bank has informed Wells Fargo with intermediate bank, however we have not received any response yet. I urgently ask your help to stop the transaction and get my money back. 

Account Name : XXXX XXXX, XXXX Account Number : XXXX Routing Number : XXXX Swift Code : XXXX Bank Name : Wells Fargo Bank

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 2023-10-18
Company: EQUIFAX, INC.
State: NV
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:
XXXX, XXXX, Equifax reporting incorrect information on my credit report. My XXXX XXXXXXXX never been late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2021-05-13
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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
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, ( XXXX ) has been closed since XX/XX/XXXX. XXXX and the credit bureau ( Experian ) has continued to report negative information on this particular account. No more reporting of information should be happening. This must cease immediately!! They have reported in XX/XX/XXXX that this account is negative. According to the FCRA, no more negative reporting should continue if an account as be closed, paid, satisfied, included in a bankruptcy. Why are you continuing to report??? Im demanding this account be removed immediately or I will file a lawsuit against both XXXX and Experian for continuing to report negative information on my credit report after the account has been settled. You are totally breaking the FCRA guidelines.

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 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
You have been reporting on my credit and I didnt know I was an authorized user for this account Id like this account immediately permanently removed from all 3 credit agencies please it should not be reporting on my credit and it is

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 2022-04-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I initiated merchant disputes with XXXX on my XXXX credit card for two charges, {XXXX} and {XXXX}. 

I ordered tickets for an event on a specific date ( XX/XX/2021 ) and was NOT provided with those tickets. I called XXXX 's credit card customer service number ( Synchrony Bank ) and initiated a merchant dispute on Sunday XX/XX/2021, explicitly for XXXX  Chargeback Reason Code 30 : Services Not Provided or Merchandise Not Received. 

I was then rebilled for both charges. I called multiple times for them to insure these disputes went to pre-arbitration and arbitration. 

The timeframe for the XXXX  disputes has long expired. Synchrony Bank has NOT provided permanent credits for the disputes, and the charges remain on my balance. 

This is a violation of Reg Z, and is a deceptive and unfair practice to not provide me with a permanent credit for these disputes.

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 2022-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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: Information belongs to someone else

Complaint:
I reached out to XXXX, XXXX, XXXX and XXXX XXXX and Portfolio Recovery on XX/XX/XXXX. To this date i have not received a response back regarding the fraud listed on my credit file. 

The collection listed on my file is fraud and should be removed as it is causing hardship with my life plans. I the consumer should not be suffering because of identity theft. 

According to the consumer law 15 U.S. Code 1681c2 states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such an agency.

1. Portfolio Recovery - XXXX XXXX XXXX Bank XXXX XXXX XXXX XX/XX/XXXX No account number listed XXXX. XXXX - XXXX XXXX XXXX XXXX - NO ACCOUNT NUMBER LISTED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXXXXXX XXXX XXXX Balance : {$7200.00}.

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 2023-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2020 I asked Portfolio Recovery to stop calls and to communicate through email. They stop for a good amount of time, but then recently over the past few months. I am getting calls from them again. That clearly violates my request to cease calls. I want to know why my request to cease calls all of sudden not getting followed. What has changed?. If you can not give me an answer to this. I humbly request for you to stop reporting my account to the credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: Experian Information Solutions Inc.
State: OH
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:
NOTICE OF DISPUTE To Whom It May Concern, The nature of my dispute is I am contacting Experian representatives and I am trying to give you the opportunity to resolve this dispute. PLEASE UNDERSTAND. Experian has been discriminating against me on multiple occasions. I have tried multiple occasions I have called sent in disputes and even submitted online complaints. This company has caused me unwanted stress and has caused my XXXX XXXX to rise and has caused me tremendous financial hardship. 

As a protected CONSUMER please remove these inaccuracies from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 AND PLEASE DELETE THE 16 UNARTHORIZED INQUIRIES ALSO Please understand an answer of " VERIFIED '' or " BEEN VERIFIED '' IS NOT a pertinent nor a legal response. I am allowing Experian 7 calendar days from the date that you receive this notice to CONFIRM, VALIDATE and FURNISH any documents that show that I am LEGALLY bound to pay these ALLEGED DEBTS and who authorized these inquiries on my consumer report. In the event that you fail to provide LEGAL and LAWFUL responses it will result in further action.

THE RELIEF ( DEMAND ) THAT I AM SEEKING IS TO DELETE ALL THE ITEMS ABOVE AND PAY ME {$16000.00} FOR CIVIL LIABILITY FOR NEGLIGENT NON-COMPLIANCE UNDER 15 U.S. CODE 1681o.

PLEASE UNDERSTAND IF THIS MATTER IS NOT SOLVED YOU WILL BE HELD LIABLE AND THIS CLAIM WILL BE USED AGAINST 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 2023-10-18
Company: EQUIFAX, INC.
State: MO
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 non-monetary relief
Consumer complaint received 2023-10-18
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 third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance ; {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-01
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate thi account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$1000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
I am writing to address the fraudulent personal information linked to my identity. I have discovered accounts and transactions that were falsely attributed to me without my knowledge or consent, causing significant distress and concern. I want to emphasize that I am a victim of identity theft and have taken immediate steps to report the incident. It is of utmost importance to rectify this situation promptly, as it has had a severe negative impact on both my financial well-being and personal reputation. I kindly request your full cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into the matter. I am prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is highly appreciated.

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 2021-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Greetings, This is a formal complaint against Equifax as Equifax has reinserted information that it had deleted previously. The XXXX XXXX XXXX XXXX tradeline was reinserted by Equifax as XXXX XXXX XXXX XXXX has requested that Equifax delete the tradeline that Equifax reinserted. 

Equifax reinserting this tradeline is a violation of the FCCPA ( Florida Consumer Collection Protection Act ) as Equifax is not indirectly claiming that I owe a debt. The FCCPA includes companies such as Equifax to be debt collectors whether they directly or indirectly claim a debt is owed. 

Equifax is also violating the FDUTPA ( Florida Deceptive and Unfair Trade Practices Act ) as Equifax reinserting information that Equifax has already deleted and making it appear as though XXXX XXXX XXXX refurnished the information is a deceptive and unfair trade practice. 

Equifax is also damaging my credit reputation thus defaming my credit image therefore is committing Libel/Defamation. Equifax maliciously reinserted information it had deleted before and made it appear as though XXXX XXXX XXXX XXXX refurnished the information. When Equifax unlawfully reinserted the XXXX XXXX XXXX XXXX tradeline it alerted my XXXX XXXX Credit Monitoring System which monitor my credit activities of both Equifax and XXXX. XXXX XXXX then alerted me via email that changes occurred to my credit file. Once I logged onto XXXX XXXX it displayed that changes were made by Equifax. In this case, XXXX XXXX displayed where Equifax reinserted the XXXX XXXX XXXX XXXX tradeline on or around XX/XX/2021 compared to when Equifax deleted it on or around XX/XX/2021. 

Equifax 's unlawfully reinserting on XX/XX/2021 the XXXX XXXX XXXX XXXX tradeline it had deleted on XX/XX/2021 display malicious intent from Equifax to damage and destroy my credit file. 

I can go on with writing the unlawful and deceptive conduct exhibited by Equifax as I have been working on my credit since XXXX of XX/XX/2021. 

Thank you for your attention to my concerns that are public policy issues and I look forward to hearing from you soon. 

XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation