BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: CA
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:
Please be advised this is my XXXX  WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023, I received a Venmo text alert at XXXX XXXX notifying me of a Venmo request amount of {$2700.00} from an unknown user " XXXX XXXX XXXX with the caption " Mystery but it's real. '' I then received another request amount of {$1800.00} at XXXX XXXX  from the same unknown user with the caption " Privilege to encounter you. '' Confused, i attempted to open the Venmo app but discovered i had been logged out. I contacted friends of mine to see if they could locate my account, but they could not, suggesting my account had been deleted immediately following these inbound requests. I called Venmo support who was able to verify my identity, restore my account, freeze my account, and identify that the {$2700.00} transaction had been sent to the unknown user ( but the {$1800.00} had not ). The payment was funded from my linked XXXX XXXX account. I then submitted a dispute for the {$2700.00} transaction to Venmo, which is currently ongoing and could take up to 10 business days. I then logged into my XXXX XXXX account and the transaction was in " pending '' status for the same {$2700.00} amount, debited from my checking account. I have submitted a claim to XXXX as well regarding this unauthorized transaction and await results. However, the amount has already been removed from my bank account. I am submitting this report here to have a written record of what occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I tried to get a FAFSA loan and when signing up for an account it says my SSN already in use, and showing I had a student loan during period of time that I was XXXX. Also missing stimulus checks that were paid to direct deposit while I was XXXXXXXX and I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: DISCOVER BANK
State: MI
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:
I was removed as an Authorized user for a Discover account in XXXX, XXXX. However XXXX and XXXX credit bureaus are still reporting this account as active. 
I am requesting Discover provide me the XX/XX/XXXX AUD they submitted to XXXX, XXXX, XXXX and XXXX The AUD is the automated digital version of the form, which was originally called the Universal Dataform ( UDF ). Once the AUD has been prepared, the furnishing party sends it using XXXX to all of the credit bureaus where the error is appearing on your credit report Two Credit bureaus claim Discover never submitted an AUD updating the information concerning this discover account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: SANTANDER HOLDINGS USA, INC.
State: NY
Product: Credit reporting 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:
XXXX conspired with several companies to unlawfully report inquires that wasn't authorized by me ; CHRYSLER CAPITAL : 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 2023-03-04
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX {$38000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$570.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$6300.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: EQUIFAX, INC.
State: AL
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:
For the past 12 months I have sent information to Equifax asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from Equifax is verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: EQUIFAX, INC.
State: TX
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:
Both equifax and XXXX show an illegal credit card account opened on XXXX XXXX, by XXXX in my name that shows on my credit report. I took all the proper steps in XXXX to report the illegal use of my identity from making all the calls, making a police report and freezing my credit. 
My credit score which before all this was around XXXX, now it is still showing XXXX and XXXX. When is my credit score, that was hurt greatly after closing the illegal account by 11 points, going to be fixed???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
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:
TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department po box XXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DP OF EDUC XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the XXXXXXXX in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXXXXXX XXXX XXXXXXXX, XXXX XXXX FL 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 2023-10-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Charged upfront or unexpected fees

Complaint:
This is now the 3rd complaint that we have filed with CFPB and as a consumer, it is beyond me that we haven't gotten any resolution from the company, USAA. The first complaint was from my wife and I, second through the AG if Idaho and most recently through our Conressman, XXXX XXXX. My wife and I had a fraudulent charge of {$18000.00} on our account through USAA from what we believe was a data breach that the company had earlier this year. We have formally requested information on the case which they have completely ignored for months. We have also requested information through a lawyer which cost us an addition {$2500.00} retainer. USAA apparently found us responsible for this fraud earlier this year and has been assessing interest fees on the $ XXXX but never notified us of their finding or why they believe we did this. USAA lost $ XXXX last quarter and had a known data breach that we had to uncover ourselves even though both Texas and Vermont AG 's have filed suit. In short, we are considering paying this $ XXXX ( now close to $ XXXX ) to protect ourselves from further exposure from USAA 's additional fines. We have extensive data and communications over the months that this has transpired if anyone is interested in talking to us. We will sign an affiavit that we had nothing to do with this and in fact, we are the real victims here. If anyone is willing to listen, I believe this is clearly identity fraud caused by the data beach at USAA where we have been members for XXXX  years. I need a consumer advocate here as we are being attacked by our own Insurer/bank with no help from them whatsoever. Please help. XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I have been getting harassing calls along with Letter via Mail from XXXX, XXXX, XXXX XXXX attorney at XXXX, since XX/XX/2020, constantly calling my phone before XXXX, past XXXX as well as weekends excessive number of calls, theyve even gone as far as reaching out to my employer before I was terminated. 
I called back on XXXX to speak with someone at this office to find out what was going on to not only be insulted but, threatened hung up on and sent several subpoenas, saying that I owe a company by the name of XXXX XXXX XXXX XXXX XXXX ) with lots of different $ $ $ $ amounts owed, not to mention I have no knowledge of who or what this company/ organization is, Ive never heard of them. 
I tried reaching out to them several times after this incident requesting that they submit proof of these accusations theyre making, and their response was NO they are not allowed to disclose any information related to this as they were sold my information from what they claim was a past credit card I owed, which is not accurate. They proceeded to ask me for my personal information, such as an address they have on file and the phone number in which they called and asking for my D.O.B and S.S.N. I explained to them that I didnt feel comfortable giving my personal information especially when I had no idea who they were and with the number of scammers and hackers out in the world, I was not going to disclose my personal information with them, the person on the other end of that call was very rude and obnoxious. 
I am still dealing with the calls from this company as well the harassment and the rude representatives Today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: NM
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:
Incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-23
Company: SYNCHRONY FINANCIAL
State: TN
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 received a letter XX/XX/2019 from Synchrony Bank stating that my account was closed due to " the number of dishonored payments on this account. '' I called them and was told there were 2 dishonored payments in 12 months that prompted their actions. The dishonored payments were reflected on my daughter 's bank account when she tried to make a payment. I received a notice and immediately paid the balance in full on XX/XX/2019 before the due date. I've worked hard to build my credit for a future home purchase. I was told to reapply for another card. I don't care about the card, but the damage to my credit since I'm planning to buy a home next year. I've been making 100 % of my payments on or before time. My daughter called them and tried to explain, but they refused her explanation. I've learned a valuable lesson about Paypal. My efforts to be a good customer wasn't important to them.

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 2023-10-10
Company: EdFinancial Services
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Some of my student loans show a past due payment from XX/XX/XXXX, with a past due amount equal to my current incorrect monthly payment. 
XXXX is showing that I have a late/past due payment, but my payments were not set to resume until XX/XX/XXXX. It is not possible for them to be late. 
They have been on hold throughout the covid pause. 
I called and spoke to a rep last week who said this would be removed and my monthly payment corrected, but as of today, it is still showing the wrong payment amount and pay due amount.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: NY
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 sending a complaint in accordance with the Fair Credit Reporting Act 's guidelines to ask that the accounts, which I believe to be erroneous and incomplete, be looked into right away and REMOVED on my credit report. I think Equifax has not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. I am not legally responsible to pay the credit card bill or any debts that build up as an authorized user. This information seems to be confusing. I need this to be removed immediately! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX  XXXX XXXX XX/XX/XXXX {$4000.00} XX/XX/XXXX {$4000.00} CHARGE-OFF {$4500.00} NXXXX/XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XX/XX/XXXX {$470.00} CHARGE-OFF {$1000.00} XXXX XXXX XX/XX/XXXX {$77000.00} XX/XX/XXXX {$77000.00} CHARGE-OFF These should be removed, I've disputed this the 1st time they appeared on my report Equifax, keeps sending to there overseas office. ive sent police reports as well as FTC.GOV this is affecting my job. Ive have been hung up on and treated very bad with. this matter. Ive even better ask questions about my name being XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. I have sent supporting documentation to XXXX, XXXX AND TRANSUNION but they ARE NOT removing and/or blocking the FRAUDULENT ITEMS from being reported to my Credit Report. Will you PLEASE forward my supporting documents to these companies and have them REMOVE the FRAUDULENT items from my report? 
** I fully intend on seeking legal actions due to their negligence ** The following Items have been submitted numerous times : Valid ID Copy SSN Proof of Address Police Report - local Police Report - federal List of Fraudulent items in reports FCRA 605B form

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 2021-09-12
Company: EQUIFAX, INC.
State: MD
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 and Equifax have a police report on file stating the XXXX account on my credit report was opened fraudulently. This account had been previously deleted already but is now reporting again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
My information has been compromised as a result of a data breach of Equifax. The exposure of my Social Security Number is an extremely serious offense and I deserve to be fairly compensated for the possible identity theft.

Company response to consumer: Closed with explanation