BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
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 account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX Account Name : DP OF EDUC Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Paypal Holdings, Inc
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 2019-11-05
Company: Experian Information Solutions 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:
XXXX  XXXX XXXX is being reported on my Experian, XXXX, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting  agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2023-04-14
Company: EQUIFAX, INC.
State: SC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX  XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Lendmark Financial Services
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
It is XX/XX/2019. Lendmark Financial has called me 20 times in the last 5 days. They have been calling and harassing me for the last two months on average of 4 calls per day. I am in a debt settlement program and they have been notified to  contact my representation, XXXX XXXX, for inquiries, but refuse to. They have threatened to sue me even though I have made 3 payments on my account since XX/XX/2019. I am a little behind, but the amount of contact I have received from this company is highly unprofessional and extremely harassing. I am considering suing Lendmark Financial for breaching the U.S. Fair Debt Collections Act of 1978 as well as filing a Protection Against Stalking / Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-14
Company: CONTRACT CALLERS INC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX Account # XXXX Is reporting inaccurate information on my credit report which I do not recognize. They are reporting that I owe {$490.00} from XX/XX/2018. 

Please reinvestigate this company from top to bottom or remove this negative item from my credit report as soon as possible. It has ruined my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A Paypal credit account was opened in my name fraudulently issued through Synchrony bank. I reported it to Synchrony bank and they agreed to remove it. now they continue to send it to collection agencies and threaten me.

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 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX  XXXX XXXX is being reported on my XXXX, Transunion, and XXXX  credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

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 2019-11-05
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:
XXXX  XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This was removed from my credit by the institution i had a wet signature with. however today i reviewed my account and noticed a collection from a company ive never had any involvement with reopened it and now are sending contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
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:
XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages 6 9 attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.

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 2020-11-30
Company: EQUIFAX, INC.
State: MI
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 filed disputes against XXXX for reporting an inaccurate balance to XXXX, Equifax and XXXX, 4 times in XXXX and XXXX more times in XXXX, each of those times the credit bureaus claimed XXXX confirmed the accuracy of the balances they have been reporting. However, that is not possible as XXXX themselves have admitted reporting the wrong balances to the credit bureaus starting from XXXX through XX/XX/XXXX. They have even sent me a check reimbursing me for the amount they claimed I owed which I did not. I have attached the letter which states the following ; Were writing because we discovered that you were not reimbursed for finance charges as part of a previous credit card dispute. To correct this error, we have issued you a refund for the finance charges and any applicable fees and interest associated with the failed reimbursement. 

For the record I have not and do not intend to cash this check as I believe the amount XXXX owes me is far greater. However, XXXX admissions clearly confirms they have been reporting wrong information to the credit bureaus and have wrongly denied my disputes. As a result and per Federal and State of Michigan laws, XXXX, Equifax and XXXX must delete these tradelines immediately. If XXXX attempts to deny my request they are recklessly and deliberately breaking the law for the sole purpose of causing me harm. This dispute will be followed with a lawsuit against XXXX to recover damages. The letter I have provided is a material fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Financial Business and Consumer Solutions.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is in reference to an alleged debt from XXXX XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX and FBCS , Inc XXXX XXXX XXXX XXXX XXXX to 15 USC 1692a , Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. 

Your company and its agents harassed me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. 

While going through my Consumer Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently lost my job on XXXX. I was also discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship.

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports Clear away any alleged balance owed Pay as per the attached invoice ; {$8000.00}. 

You shall be granted twenty ( 20 ) days to respond.

Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond.

Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws.

Thank you for your attention to this matter,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: EQUIFAX, 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 HAVE DISPUTED WITH XXXX AND EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX Inquired on XX/XX/XXXX, XXXX XXXX  XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND THE BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX ), XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2018-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/2018 XXXX credit card has reported a miss payment to my XXXX credit report and also on XX/XX/2018 reported to Transunion and XXXX with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.

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 2020-12-12
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have deposited check written in my name to my bank. I did open a new savings account with the bank to deposit the check. When I checked on transfer of the money I was told that money from the account was taken back. I reported to my bank about his fraud activity. The bank has freezed my account and closed it. When I went to the bank I was told that bank is cutting all ties with me and I will receive the resolution letter about this investigation in the mail. I am still waiting to find out what had transpired.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: SC
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:
This is the second time I have informed the CFPB and the 3 major reporting agencies of the illegal activity regarding my consumer report. I have had no communication nor contact in regards to using my personal identifying information and I have not been given any remedy. This is my last attempt to do so before I file suit against all parties involved for failure to follow the guidelines of the FCRA. I have attached another letter for review of the accounts and inquirers in question.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: AR
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX 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 2023-02-02
Company: Experian Information Solutions 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:
I sent a letter on XXXX XXXX XXXX to remove these items XXXX XXXX XXXX XXXX XXXX  MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MD 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 Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX Balance {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX  Bankruptcy Reference # XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX   Bankruptcy Reference # : XXXX XXXX Date Filed/Reported : XXXX XXXX XXXX Bankruptcy XXXX XXXX Date Filed/Reported : XXXX XXXX XXXX  Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX XXXX XXXX Ive already included this in my previous Complaint XXXX XXXX  & I am including it again.,

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 2018-02-16
Company: Eagle Recovery Associates, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 XXXX Eagle Recovery called and left a voice mail but the number calling came up on my caller ID as Wireless Caller with a local number XXXX their spoofing their real number in a hoax to get you to pick up the phone. This is the first time they used this tactic to call me.XXXX what's going to be next?

Company response to consumer: Closed with explanation