BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-06
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in reference to an alleged debt Ive been harassed and abused by Midland Credit Management for. I was notified by your company of the alleged debt again recently on XX/XX/2022. According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Midland Credit Management and its agents harassed me for an alleged debt that was not even validated. Your Company shared statements as well as a copy of a Consumer Contract as evidence of the debt but as per the judgment in the case of XXXX Concrete F.C.U.V XXXX a copy of the Consumer Contract is not sufficient evidence of debt. Due to your continuous act of deceit, coercion, and intimidation, I am forced to take further litigation and seek compensation for damages through a competent common law court. All communications and omissions will be made part of and incorporated into any litigation arising from this matter. If any negative mark continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Aggravated Identity Theft and Conspiracy. The alleged " " creditor '' reported this on my Consumer Report as " charged off. '' It means that the creditor will no longer attempt to collect this alleged debt owed by them. I would like to know for what price did you purchase this debt? I hereby grant Midland Credit Management the opportunity to amicably resolve the matter by way of doing the following ; 1. Deletion from all consumer reports 2. Clear away any alleged balance owed THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT. You shall be granted thirty ( 30 days to respond. If there is no response to this complaint within the prescribed time period, all legal rights shall be explored, including, but not limited to legal proceedings necessary in accordance with XXXX and XXXX laws. Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NJ
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:
The following collections are reporting a debt on for a collection that is inaccurate : XXXX XXXXXXXX XXXX  {$110.00} and XXXX XXXX XXXX XXXXXXXXThese following accounts have 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 an account without my written instructions 15 U.S.C1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions 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:
According to the Fair Credit Reporting Act 15 U.S.C 1681 requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, and relevancy. 

In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : *** Identity Theft- XXXX- Account Number : XXXX *** Identity Theft-XXXX-Account Number : XXXX *** Identity Theft-XXXX- Account Number : XXXX *** Identity Theft-XXXX XXXX XXXX-Account Number : XXXX *** Identity Theft-XXXX XXXX-Account Number : XXXX *** Identity Theft-DP OF EDUC-Account Number : XXXX 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 further states that a consumer reporting agency can not furnish an account without my written instructions or consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : States that 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 ) States that 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 2022-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
During XXXX time I needed help in order to start my business, that is why I set up a paypal fundraiser to receive donations. my credit grew and paypal just froze my account. when I called in they said that the funds will be available in 180 days. 
now 180 days later I still can not access my money it seems that paypal did steal all donations I have received for a total of {$6200.00} I need help to recover my money Paypal is a FRAUD and should be not able to just rob their users wallets!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states 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 2021-07-15
Company: PNC Bank N.A.
State: NC
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Pay Pall Master Card from Synchronicity. My troubles all started when I went to make a XXXX payment on the card. After years of them taking it from my checking account, they decided to take this payment from my savings account, and account that I never linked to PayPal or to synchronicity. Of course it was XXXX, i contacted them immediately and told them what they did. By this time, my wife had tried to move the funds into savings to cover, but it was too late. So while on phone with rep, I made the payment again on XX/XX/2022. The funds were taken from my savings account for 14 days, than the funds were returned. 

I called support, they could not give me a valid reason why it was returned, so yet again for the 3rd time, I made the payment for XXXX and than for XXXX. They took the payment, and a few days later my wife told me it looks like they are returning the money again. So I went online to check my account, and this is when I learned they closed my account. 

Now mind you, they had just raised my credit limit, and now they closed it because of issues they caused in processing my payment. As if today, the account has a XXXX balance so I ask why close the account when they see I was paying? 

Now this company provides ZERO ways to right a wrong and do all they can t prevent you from talking to someone who can help. They not only took the account away, but they did it such a way that it impacted my credit score.

So now they have the money, and they have destroyed my credit and ZERO harm comes to them for what they did. how is this fair and equitable?

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 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-12-04
Company: Experian Information Solutions 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 have contacted all 3 credit bureaus about a fraudulent item on my credit report and submitted a letter with a police report attached and asked them to remove the fraudulent account that I discovered. It is now more than 6 weeks later and none of the credit bureaus have done what they are required to do so per the FCRA. As a matter of fact Experian states that based on their " investigation '' the item remains unchanged. which in fact means that they have done none of their fiduciary duties and removed this fraudulent item on lay report. Clearly no investigation was done, as they are required to do so by the FCRA, and clearly they are not following the laws of the FCRA. 

A copy of the fraudulent account is attached with Experian 's comments that " after investigation, the item remained unchanged and that this meets the FCRA ''

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 2022-08-14
Company: EQUIFAX, INC.
State: AK
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 below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
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: Was not notified of investigation status or results

Complaint:
Equifax is reporting a XXXX Student Loan that does not belong to me. This account is either reporting in error or as a result of identity theft. I have contacted Equifax several times to dispute this account and I have not gotten any response or results in this matter. Please assist me to get this matter resolved and this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I've already spoken to TransUnion as well as filed an complaint for each inaccurate inquiry that was wrongfully allowed on my credit report. 

My FTC case numbers are : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

Here 's the list of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My credit report being updated and accurate is my right as a consumer. Please investigate this matter because my solo efforts have not produced any results.

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 2020-06-08
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This XXXX account is NOT my account. I dont understand what you dont understand about that. I have never been approved for a XXXX account due to my low credit score obviously. How is anyone supposed to get ahead in life with this kind of dumb situations keep happening. Someone mustve used my infortmatiom because it is NOT my debt. XXXX is a known for doing this type of thing and I am so tired of it!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023, there were five ATM withdrawals taken from my account that I did not make or authorize. I contacted the customer service and fraud department of my financial institution the next day ( XX/XX/2023 ) and filed a fraud claim. My cards were canceled to prevent further losses. 

After a 10 day investigation, my financial institution denied my claim. I called my financial institution back, had the claim reopened. This time, I sent a letter to them and filed a police report with my local police department. 

I just received an email from my financial institution that after another 10 day investigation, my claim has been denied because no errors were found. The error is someone not authorized to use my account has withdrawn money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: Experian Information Solutions Inc.
State: CT
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:
Ive noticed a lot of unauthorized unverted inquires on my report. Some of the inquires are there more than once, I reached out to the companies that put the inquiries in and they told me to contact the three major credit bureaus. Ive done that and still have been getting the run around, this has been hindering me for s long time. The XXXX Department Of Education should not be reporting in my credit under 15 u.s code 168 1 ( 5 ). This account is in violation and is not reporting 100 % accurate, it list that The Department Of Education is the furnisher. Thats foregory and misleading. When the schools dont report this type of accounts. XXXX XXXX XXXX  should not be listed on my credit on report as well, Ive never did any business with that company nor did I authorize those accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I recieved a response from XXXX XXXX account ending in XXXX on XX/XX/XXXX for a late payment that was at no fault of my own. I have been with company since XX/XX/XXXX and have never had a late payment and due to the fraudulent activities that has transpired during this time I was forced to take measures of protecting myself. I have mailed out letters seeking aid for this malice report of a late payment and the company responded stating that their findings were accurate when it is not. I have also experienced this poor reporting from XXXX XXXX XXXX account number XXXX. I need these accounts to be properly disputed for removal of these late payments because I am facing disiciplinary actions with my employer and may lose my job because of this fraud and that will not happen! I am very disappointed to know that my security and livihood isnt being considered!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Sent TransUnion a written request asking them to remove the unverified accounts listed in my dispute letter that remain on my credit profile in violation of 15 U.S.C. 1681. I asked for the documents that they used to verify these accounts? What is the name of the person in their company who verified these accounts? What documents did they use to verify them? Please provide me with the names of that individual, their business address, and telephone umber? This is my second request to have these unverified accounts removed if not send me the requested information. ( Via mail only )

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 2022-08-30
Company: CITIBANK, N.A.
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX statement from Best Buy had a charge on it that I did not make. I called the company and explained to them about the charge. They said they would investigate. On XX/XX/XXXX I received their findings by mail. Even though I do NOT know the lady that made the purchase, her mailing address or her email address, Best Buy said I was still responsible for the the purchase, which was for two watches bought from XXXX XXXX on XX/XX/2022 in the amount of {$1100.00}. None of the lady 's info is linked to my credit card and I never gave her permission to make the purchase. I don't think I should have to pay for something I didn't buy or authorize someone else to buy. Any help or info would be appreciated. 
Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX. MO 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 monetary relief
Consumer complaint received 2022-10-06
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Caine & Weiner has violated my Federally Protected rights under the Fair Debt Collection Practice Act. They are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. I was never obligated nor responsible to pay an 3rd party debt collector. They failed to provide documentation and to let me validate the alleged debt before furnishing the tradeline. Caine & Weiner are using my consumer report with extortionate means to coerce and swindle me into paying an alleged debt. You are now on Notice to Cease Communications from me from all mediums as stated in my attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I actually closed the credit card over a year ago, but the company still continues to charge me random fees and then inflated late fees on these fees. Sometimes the random " carry over charges '' are as low as {$.00} which they will charge me a {$41.00} late fee on. Every time I pay off the random carryover fees, they come up with a new one. I have now incurred hundreds of dollars in fees on a credit card that I paid off and closed well over a year ago and it never seems to end. I have called them several times, they always tell me it's a mistake and they will resolve it and it continues to not be resolved.

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