BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : 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 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

2. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Delete this account. 

8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : 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 non-monetary relief
Consumer complaint received 2023-03-14
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 appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Exeter will not allow me to make payments on my loan. They want to repossess it and continue to charge fees in extreme access. 
They refuse payments and want the balance in full after paying over {$12000.00} over 4 years. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-01-05
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:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report0000 included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company reported to my credit report before notifying me of the existence of this debt. I went to pull my credit report in XX/XX/XXXX and find this negative reporting item that I didn't know existed. Original Creditor is XXXX XXXX. I didn't know I owed a final bill and thought this was paid off and taken care of before I moved to my next address. OC never notified me of this debt and credit reporting company Diversified Consultants never reached out. I still haven't received a final bill. I called OC to verify the debt that was on my credit report, and they did an escalation in XX/XX/XXXX to see if this debt was legit before I would called the credit collection company. They verified it existed in XX/XX/XXXX. I tried to call diversified once, they said they wouldn't delete it from my credit report as a pay to delete although the circumstances, because their company policy states they do not delete any debt. This makes no sense, they reported this debt without notifiying me of its existence, and now expect me to pay it without them doing a pay to delete. I am not arguing the existence of this debt after talking with XXXX, I am arguing the fact that I was never notified of its existence, and I want it off my credit report, because if I knew about it, I would have paid it to prevent even going to this level. 

I called again on XX/XX/XXXX at XXXX XXXX to verify if this was still their stance. Even after hearing the story and getting management ( XXXX XXXX ) involvement, they are still unable to produce a pay to delete. 

In my experience, the debt MUST be notified to the consumer and then reported. I still have not received the bill that this company has this debt, they haven't even verified my address even after I told them that I never received any information regarding a debt. They will only take payment and not get this account deleted. I understand company policies, there needs to be exceptions for the people who actually are unaware of these debts. This is a {$350.00} collection that I would have immediately paid if I knew about it and I want it deleted from my record and I want to pay it for the deletion from my credit. When somebody is trying to pay their debt IN FULL, and lets you know of the circumstances revolving its existence, there needs to be someone that has the power to override a policy that is put in place to keep things reported for people trying to escape or not pay a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX XXXX is reporting as a mortgage and is not a mortgage. I d not get to own any of the property after I pay off the mortgage, and will still be required to use my points to reserve my use of the property.

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 2023-02-11
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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I have sent letters to all 3 credit bureaus and none of them have replied in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
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. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account.

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 2022-02-22
Company: LD Holdings Group, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 new buyers were closing on my the house I had just sold and I spent the first night in a hotel because the closing date on my new home purchase XXXX XXXX. I worked with XXXX XXXX from Loan Depot through XXXX XXXX XXXX and XXXX XXXX from Loan Depot for Ct. I was mentally prepared financially to spend money from XX/XX/XXXX to XX/XX/XXXX but I wasn't prepared to stay in a hotel until the XXXX. I was suppose to have a government funded loan but I was decline not knowing the reason and had to have a conventual loan. I ended up paying a total of XXXX for spending 2 months in a hotel. I was only suppose to pay XXXX closing on this new house but then was told that I now had to put money down which was XXXX so that was a total of XXXX that I was not prepared for. Here I have this new house and can't afford to buy new things for it. XXXX XXXX had offered for me to stay at his place during this time which I found to be unprofessional and he also offered his XXXX commission her made on the closing but he wanted to meet for dinner. And still haven't received that money. A young lady an underwriter was terminated because she didn't get the paperwork sent out in a timely manner. The communication from the two of them was horrible I have numerous emails from my real estate agent asking for communication and we had to have several extensions with the sellers agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This bill was my ex wife, bill was her insurance in XXXX and insurance from her employer covered this bill I am not in any way responsible ... this is a 3rd party collection company who I did not recognize, who added it to my credit reporting files in XXXX of XXXX ... years after incident over 9 years

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 2022-02-22
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, my name is XXXX XXXX. I had an account with Square, which provided a POS for my website XXXX. I resell shoes and apparel, a " customer " orders an item and once they received their tracking decided to report fraud to their financial institution. I filed all of the requested information per Square 's request and they still shut my account down with no explanation aside from stating we do not conduct business with you and we do not fit your business needs. They shut my account down I also had several orders being processed during that time. Square went into my account pulled the funds while over drafting the account. While freezing the funds from my other orders, doing so has caused me a great deal of stress and further hardship. I was informed by the customer that caused this issue in the first place that they had received their order and they would be contacting their bank. I haven't heard anything nor have I received my money from that order. I documented the communication of the correspondence via email. Since then I have communicated to my other customers pertaining to the delay in orders and I'm offering a refund once I receive the return of funds to my company that Square is currently holding. I am being punished for things out of my control. Today I received another complaint pertaining to another fraud alert for an order that square is currently holding the funds for and they want me to fill out that document as well. I'm not really sure what to do now aside from contacting an attorney. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I used PayPal to pay ( with my credit card ) an online astrologist for 3 services.

The person received {$160.00} for 3 jobs. I received one job that was scam. I asked for a refund on the other 2. The person decline returning the money. I complaint with PayPal and the resolution was on favor of this person. I have emails as proof she never provided the 2 pending jobs. 

Not sure if this is the place to file a claim. PayPal is not helping. 

Case ID XXXX Transaction amount {$160.00} USD Dispute amount {$78.00} USD Transaction ID XXXX Transaction date XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: DISCOVER BANK
State: PA
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 XX/XX/2021 ... Discover Financial Services ran my credit and they keep telling me they dont have any or my information in their system. But I never applied to a loan, a credit card, or any of the following. The Credit Bureau told me to get a letter from Discover Financial Services stating that it was a mistake and none of my information is found but they refused. I dont know if somebody used my social to apply or anything, but that wasnt me. Now its a hard inquiry on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: OK
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:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation