BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-19
Company: EQUIFAX, 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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these 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 non-monetary relief
Consumer complaint received 2018-05-18
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I am writing to dispute a collection reflecting on my credit report. 
Creditor : XXXX XXXX Amount : {$190.00} Date Opened XX/XX/XXXX This shows it's a debt for a medical payment. I do not recall this payment and was not notified of this bill until I pulled my credit recently. 
I have called this creditor to get this resolved but they can not guarantee this can be removed. 
I would like to request this debt to be Removed from my credit report. 
Please let me me know what I have to do do get this removed especially since I do not know what this debt is for. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: LA
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$9900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ask, do XXXX consumers have a Right to Challenge XXXX, PayPal over their Refusal to allow competition, regards the choice of who they wish to process payments for items bought online in America?  I was Coerced into taking out a Contract with PayPal in 2015 as payment processor. I purchased 12 items on XXXX, All the sellers claimed they had a contract with PayPal to process buyers payments, PayPal refused to accept my payments for those 12 items, refused to process a payment demand from XXXX for their fees. No reason given by PayPal. I then stated to PayPal I wished to close my account with PayPal, they have refused my request. There have been a number of Class Actions taken against PayPal, v I refer to Civil Action XXXX : XXXX XXXX XXXX PayPal Settlement XXXX Does that mean XXXX and PayPal can Treat Consumers around the World with Impunity? Thank you for your time and help. XXXX XXXX. XXXX. XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I sent a response to a Collection Agency named XXXX  XXXX XXXX XXXX who claim that I have a debt of {$970.00} through Capital One. This Account is not mine and the address associated with this account I have NEVER lived at. I have asked them to provide signed documentation that proves I have contractual obligation to this account and even asked them for a copy of their State Licence and number and they did not provide this. Per the Fair Debt Collection Practices Act they are to provide me with this data to prove that this is my account and they have failed to do so so they must remove this account. The only Proof they have been sending is credit card statements from years ago that dont even have my real address, this is not valid evidence that this is my debt, especially since I never lived at the address on those bills. They sent several letters to me with the same identical packet of information and nothinng new or what I asked them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: UMB FINANCIAL CORPORATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/2018, UMB Bank was the custodian of my health savings account ( HSA ) and I asked that my funds be transferred to a new custodian. UMB Bank did not disclose that they were planning on taking {$25.00} from my HSA as a " fee ''. I contacted UMB Bank to request a refund for the {$25.00} they appropriated and they said that what they were doing was customary and they would not refund the " fee ''. I asked them if it was customary to charge an undisclosed " fee '' to customers. They responded with the following non-sequitur : we can provide a copy of a transfer form which mentions the fee. They also said that they had disclosed the fee to " XXXX XXXX XXXX '' which was briefly ( i.e., for a few weeks ) my HSA administrator.  When I asked UMB to provide a record of that disclosure they said they would not do so since " XXXX XXXX XXXX '' was their client.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-08
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. 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  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 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 2022-07-19
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. Account # XXXX and 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 2016-05-23
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently requested a copy of my consumer credit report and I discovered that this creditor was reporting a debt that I do not owe. I researched this debt which was linked to residential address that I am in no way associated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TD BANK US HOLDING COMPANY
State: ME
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:
in XXXX i received a call. my phone identified it as td bank. he told me that my account was hacked and did i want to close the account. i texted back yes. the next day i went to the bank and found out i was hacked. the bank reimbursed me. XXXX of XXXX i received a letter stating that their investigation found that it was a legitimate transaction and they wanted {$1000.00} back which they they took out of my account. i did not authorize the transaction i want the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: National Credit Adjusters, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter in the mail on XX/XX/2021 i didnt recognize the account they were referencing. I called to find out the first woman stated that my account couldnt be serviced and that she couldnt access any information on it, but they sent me letter which was confusing she transfers me to a male who not only was rude but after having asked for my name then provided me with my own date of birth and last 4 of ssn vs asking me to verify it for him and when i asked why he did that vs having me verify he replied with let me transfer you to a supervisor for help because i dont have time and before i could say anything i was transferred to a woman named XXXX who again wanted to tell me what my information instead of confirming who i am before sharing information all i wanted was an explanation to the account and instead i got passed off to osmeone else every time and when i tried to tell the supervisor about the prev reps she was so set on compliance and getting me to say something verbatim she didnt carea bout how i was treated by her agents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-03
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the first week of XX/XX/XXXX, my wife received a phone call from Transworld Systems Inc ( TSI ) stating they were collecting a debt of approximately {$17000.00} from me in connection to an XXXX XXXX XXXX  accident that occurred on XX/XX/XXXX. She explained that I am in the US XXXX and was XXXX overseas from XX/XX/XXXX through XX/XX/XXXX and did not rent a car from XXXX during that timeframe. On XX/XX/XXXX, I received a letter from Transworld System Inc which included paperwork from XXXX XXXX XXXX XXXX detailing the original renter 's information. The driver associated with this account is simply NOT ME! His last name is my first name and his middle name is my last name but that's where the similarities stop. His address listed on the paperwork they sent me is an address I've never lived at in a city I've never been to. A cursory credit report check shows I've never lived at that address. A DMV records search that my drivers license number is not the same as that of the person who rented this car. In fact, a 2-minute XXXX search gave me a pretty good idea of where the actual person they're looking for is. I explained this over the phone but I'm still receiving letters for a debt incurred by someone else. TSI is being irresponsible and unprofessional, even negligent, by finding someone with a similar name and focusing attention on the WRONG PERSON. I shouldn't have to prove that was overseas serving my country at the time they say i was wrecking a rental car. 
Phones calls made to TSI simply led to endless transfers and automated responses. I attempted to complain via their website in accordance with the directions outlined in the cover page of the letter they sent me ( attached ) but the website requires a registration code provided by TSI to log on. No such code was provided.

In short, TSI has incorrectly identified me as the person who owes XXXX XXXX XXXX {$17000.00} and now I am unable to contact them that settle dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
These accounts listed are continuing to violate my rights as a living being. I have disputed these accounts several times before and requested that they cease and desist all communication and collection activities including communicating to me through credit reporting agencies. I have received a 1099-C from ( CANCELATION OR DISCHARGE ) Synchrony for each of these accounts listed below. Per IRS rules, these accounts are considered income and income is not reported on credit report. I'm trying to balance my books but Synchrony has made me victim to trafficking and using debt bondage to enslave me. I also rescinded portions of contract which includes rescinding any authorization I may have given to report any negative activity to credit report, rescinding security interest I may have given, rescinding any rights and titles I may have given up. I am going to file an arbitration claim with FINRA and file investigative complaints to SEC and IRS and XXXX. Per 15 U.S. Code 1681b a report only includes information by written instructions by the agent or principle of the credit report. FCRA 15 USC 1681a also states that credit reports can not have transaction history between consumer and person making the report. 

PayPal Extras Mastercard Account Number Ending in XXXX PayPal Credit Account Number XXXX in XXXX Ashley Furniture HomeStores/SYNCB Account Number Ending in XXXX Amazon Store Card Account Number Ending in XXXX Lowes XXXX  Card Account Number Ending in 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 2023-09-25
Company: Collection Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called collection receivables inc. of XXXX Georgia called me for the first time on XX/XX/2023. They informed me of an outstanding debt and I simply told them that I do not agree and the woman insisted that she was right and I was wrong and she did so in an aggressive manner. I ended the call because I knew that I would have to deal with the issue another way. The next day, XX/XX/2023 I get a call from the same company but from a different number. Not wanting to deal with their aggressive attitudes I ignored the call. The same day since they were unable to reach me on my cell phone, they called my job asking for me. I told them that I did not agree with what they were calling about but they have continued to harass me not only on my cell phone but now calling my job. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: VA
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:
REMEMBER : the account name and account number goes in the parentheses. 

In accordance with the Fair Credit Reporting act ( XXXX 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 * 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX filed a lawsuit to collect on a fraudulent debt. They had been notified repeatedly that this debt fraudulent yet they continued knowing that they lacked the evidence to substantiate the debt in court. This is part of a larger scheme by XXXX XXXX XXXX XXXX which uses various law firms around the country like XXXX XXXXXXXX XXXX XXXX ( which has finally been driven out of business ) and XXXX XXXX XXXX XXXXXXXX to harass and threaten American Citizens for fraudulent debts that exist only on spreadsheets and in purchase agreements between dishonest creditors, XXXX XXXX XXXX and the dishonest law firms they hire. 

This is a plain and simple violation of the The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p. In the present case there is a specifi violation of 812. " Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b XXXX Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.

15 USC 1692k In this case, XXXX XXXX XXXX falsely claimed that they were suing on behalf of XXXX. In fact, XXXX had acknowledged that the debt was fraudulent in 2019 and claimed that XXXX XXXX had been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On or around XX/XX/XXXX and again on or around XX/XX/XXXX someone has submitted a credit card application in my name. The first instance in XXXX was for a Bank of America-based credit card. The second instance in XXXX was a XXXX XXXX XXXX credit card. 

I have contacted both Bank of America and XXXX XXXXXXXX XXXX and notified them of the fraud. They closed the application for both of these credit card applications. 

I filed a police report with XXXX  ( XXXX XXXX XXXX Florida XXXX XXXX XXXX for the Bank of America credit card fraud application. I have not yet filed a report for the second fraud application for 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