BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: Experian Information Solutions 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:
To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data eld reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and nancial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to nes or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certied before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.Further investigation is required to verify the following claims. These claims remain unveried until further inquiry can conrm them. More research is needed to support these unsubstantiated assertions. Please report any veried claims immediately. Please certify that all claims that have been veried as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately

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 2022-08-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX BANK ( XXXX ), ORIGINAL CREDITOR, XXXX XXXX XXXX SOLD TO XXXX XXXX XXXX ( XXXX ) has violated my rights 15 U.S.C. 1681 section 602 A. states I have the rights 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 consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I, XXXX XXXX XXXX XXXX, was impacted by the " Louisiana DMV Data Breach '' that made World News, impacting all Louisiana residents such as myself. The accounts and inquiries I have listed in this FTC report result from Identity Theft, which I'm a victim of. I have no accounts with the companies listed and would like them removed from reflecting on my current credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$16000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: EQUIFAX, INC.
State: NJ
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 the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or delete the following items that are harming my credit. 
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 explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Around XXXX of this year, I checked my credit report for the first time in years. After reviewing my credit, I noticed addresses where I never lived and accounts reporting that I didn't recognize and did not open. After this I learned in 2017 my personal information was a part of the XXXX Data Breach and has been used to open credit card accounts and loans. Several credit card accounts were opened ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX. There was also an auto loan from XXXX XXXXXXXX XXXX listed on my report that I did not open. Multiple collection agencies were also on my credit report that I have never done any business with ; XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  and XXXX XXXX XXXX. I have reached out to the three major credit bureaus ( XXXX, XXXX, Transunion ) on multiple occasions but have not had any success in removing these fraudulent accounts. The bureaus continue to respond to my dispute of these accounts as verified providing no proof on who opened these accounts. I filed an identity theft report with the FTC which I will attach to this complaint along with the letters that were sent to the bureaus.

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 2018-12-21
Company: Mr. Cooper Group Inc.
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing a complaint today because I feel that they submitted a late payment on my credit report for something that was their fault and not mine. 
This started after I was XXXX XXXX XXXX XXXX and placed on XXXX XXXX  XXXX last winter. I had lost 2/3rds or my pay and I was struggling to make my payments. I had to take my Mr. Cooper Mortgage loan off of automatic payments because I was not getting my income regularly as before and not near as much. I was able to maintain my payments, but was late in both XXXX and XXXX with trying to recover from this incident. When I got back on my feet I decided to put my Mr. Cooper account back on automatic payments. I used their app to set this up in XXXX. I found it in XXXX that there was a late payment for XXXX on my account and got it caught up right away. I called Mr. Cooper about this and explained that I set this up on their app for auto pay and it didn't work and now it's on my credit report, and they said they would look into it, but nothing happened. I called and spoke with someone again and was told that the late payment was correct and there was nothing they can do because of the law and I explained that this was their fault. I understand that although I was injured and had issues outside of my control that both XXXX and XXXX are my fault, but the late payment in XXXX was an error on their part. I would like to purchase a house soon and this is a big deal concerning a VA home loan. I filled several complaints with the XXXX XXXX  XXXX but the only response I received was there records show no payment was submitted, which if it didnt work it probably wouldnt show it in the first place. They apparently sent me emails about the missed payment, but as I informed them I have been getting spam email from the at least every other day so I dont get relevant emails about my account because I am unaware of it..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: GA
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:
Demand for Immediate Removal of Inaccurate Collection Account and Compensation To : Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding inaccurate collection account ( s ) falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are unauthorised and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. 

Specifically, these accounts violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. 

FCRA Section 607 ( a ) ( 1 ) and ( 2 ) : Consumer reporting agencies obligation to maintain accurate, complete, and up-to-date information.

FCRA Section 615 ( a ) ( 1 ) : Debt collectors ( data furnishers ) obligation not to furnish inaccurate information to credit reporting agencies.

FCRA Section 621 : Potential liability for failing to comply with the FCRA, including actual damages and a penalty of XXXX XXXX- {$1000.00}.

15 U.S.C. 1681i and 1681j : Credit reporting agencies ' obligation to ensure maximum accuracy and their potential liability for non-compliance.

Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts.

Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. 
I have never had any dealings with the above persons and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. 

I demand the immediate : Investigation of this matter by the CFPB. 
Removal of all inaccurate collection accounts from my credit report by XXXX, Equifax and XXXX. 
Compensation for my time and effort spent disputing these illegal accounts. 

Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. 

Thank you for your prompt and serious attention to this critical matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I RECIEVED A EMAIL SAYING MY XXXX XXXX WENT DOWN XXXX POINTS WHEN I CHECKED MY EMAIL I REALIZED THERE WAS A FRADULENT ACCOUNT ON MY CREDIT REPORT I HAVE NO KNOWLEDGE OF WHO XXXX IS I WORK REALLY HARD ON MY CREDIT AND I AM SO DISSAPOINTED BECAUSE I AM CONFUSED OF THIS EVEN HAPPENED WHEN I HAVE A FREEZE ON MY ACCOUNTS WITH ALL 3 BUREAUS. AS FOR THE STUDENT LOANS I HAVE MADE SERVERAL ATTEMPTS TO GET THEM REMOVED OFF MY REPORTS I HAVE NEVER IN MY LIFE APPLIED FOR A STUDENT LOAN FOR MYSELF OR ANYONE ELSE PLEASE REMOVE ALL XXXX  OFF MY 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 2017-07-14
Company: Southern Auto Finance Co
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:
ON XXXX AND XXXX 2016 SOMEONE TRIED TO TAKE OUT A CAR USING MY NAME BUT WAS UNSUCESSFUL SINCE THEN I HAVE NUMEROUS AMOUNT OF HARD INQUIRIES ONLY IN XXXX AND XXXX 2016. I HAVE SINCE THEN FILED A POLICE REPORT ABOUT THE SITUATION. I HAVE CONTACT THESE COMPANIES BUT HAVE GOTTEN NO RESPONSE FROM THEM EVEN THOUGH I HAVE A IDENTY AFFIDAVIT AND A POLICE REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
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:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2018-12-21
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
YOU DID NOT ANSWER MY QUESTION AT ALL AND DID NOT FIX ANY ISSUES ON MY CREDIT REPORT!!!!!!!!!!!!! TELL ME WHY MY SCORE WENT DOWN 17 POINTS AND FIX THE ISSUES THAT WERE DISPUTED TO YOUR OFFICE. YOU SHOULD ALREADY HAVE THESE ON FILE!!!!!!!!!!!!!!!

MY CREDIT SCORE HAS DECREASED BY 17 POINTS AND I HAVE TRIED SEVERAL PHONE NUMBERS AND CAN NOT GET AN ANSWER AS TO WHY MY CREDIT SCORE HAS GONE DOWN. I WANT THIS ANSWERED IMMEDIATELY. THEY ARE ALSO KEEPING INVALID INFORMATION ON MY REPORT EVEN THOUGH IT WAS DISPUTED AND IS CLEARLY NOT VALID.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX {$34.00} XX/XX/2023 XXXX {$80.00} XX/XX/2023 XXXX XXXX {$130.00} XX/XX/2023 XXXX XXXX debit card claim was denied and not willing to look at a appeal spoke to several agents and departments with no success spend hours on the phone with the same run around. Transactions were done fraudulent.

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 2023-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX fraudulently opened and reported an installment loan in my name. The account was opened by XXXX on XX/XX/2020. They threatened to harass my friends and family in writing as well. The amount owed is {$4700.00}. 

Creditor contact info : XXXX XXXX XXXX XXXX XXXX, MA 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 2021-04-20
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:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested multiple times that they stop calling me, but they persist on a daily basis - always calling from different numbers around the country so its impossible to block them. I warned them if they continued to contact me against my wishes I would file a complaint with the FTC and they still call.

Company response to consumer: Closed with non-monetary relief