BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: AL
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 XXXX Account # XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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 2019-05-26
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A suspicious debt was listed on my report back in XXXX stating it was defaulted & that it was opened in XXXX of XXXX, claiming that I owed money on a XXXX/XXXX account, that I am positive that I had never opened. A year later, this company referred to as Midland Funding Llc, appeared on my credit report, claiming to be the collection agency for XXXX/XXXX. In the past, I had tried to dispute both of these supposed debt reports through the credit agencies with no success. It has been almost 7 yrs. since the 1st listing on my report, & I have NEVER received any notifications from neither the " original '' creditor, nor Midland Funding Llc. If this collection account through this agency Midland Funding Llc was supposedly real, then wouldn't you think that I would have received phone calls, mail, or emails about it already from both the original creditor & this agency, considering it has been 6 yrs. & 8 months since the original creditor stated that suspicious account had officially been opened? To make this even more questionable, this company Midland Funding Llc has violated the law by re-aging this so-called debt on my credit report, thus stating that it was opened in XXXX of XXXX, to keep being able to illegally report this collection account to the credit bureaus for almost 2 yrs. longer than the original supposed account opening date. This isn't right that there are agencies out there, that will go out of their way to purposely break the law in several different ways just to con people into paying a debt that isn't theirs just because they listed it on these individual 's credit reports, & they don't even attempt to validate the accounts at all to make sure they are legit first.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: AMERICAN EXPRESS COMPANY
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:
This is a complain against American Express. My problem started when I purchased a home located in XXXX XXXX PL, XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with American Express without my consent. I contacted American Express but they dont give me information about the account. They say they dont have information because the account was closed and they gave me the phone number of department of collection of American Express XXXX When I called to that number, I asked them if they have any type of documents signed by me confirming my identity or if they can verify the information of my ID they might have in my profile. I asked them what is the name and the address on the ID. I also asked them in what locations were the card used. 
They couldnt give me the information I requested and did not want to help to confirm the identity of the cards user. 
Im requesting to remove this account opened fraudulently from XXXX, XXXX and XXXX. 
Im attaching a copy of the police report of identity theft, Im attaching my electricity bill from XXXX confirming my address at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/2021 Companies involved : First National Bank /FNB XXXXrom Pa. & XXXX XXXX. 

[ Earlier that day ] I tried making my auto loan payment over the phone to XXXX XXXX, Im unemployed so I tried using my unemployment debt card.XXXX XXXX declined the transaction. So I drove to FNB ATM to transfer money. 

I bank at First national Bank I stopped at there ATM at the XXXX  pa branch. I withdrew {$500.00} from my unemployment debt card. Still at the same ATM I took my XXXX  XXXX debt card and proceeded to make a deposit with the money that I just pulled out. The machine gave me my receipt on the bottom on the receipt it reads this transaction can not be permitted at this ATM. The funds never made it to my account. I went into the bank the next business day. The manager said that they can not depute this because I used a XXXX XXXX debt card, I have to call XXXX XXXX. XXXX  XXXX manager says its not there ATM this is FNB Responsibility. Ive spoken to both companies twice and neither want to look into where my {$500.00} dollars ended up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: EQUIFAX, INC.
State: FL
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:
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
account was initiating an automatic payment and they did not process the payment on time then i pay over the phone to put the account on time.

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 2023-07-23
Company: Paypal Holdings, Inc
State: IL
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 permanently limited my account and I did not violate any rules. They're also holding my money. I would like this restriction to be lifted. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-07
Company: Credit Karma, LLC
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Over the past year Ive been trying to find out my credit score, no matter what company I use none of them are able to identify my social security number. Ive confirmed with my social security card that its the correct number. 

Im very confused on where to go from here. What help is available?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Experian Information Solutions Inc.
State: HI
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: FL
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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX and XXXX, I am not responsible for any payments for this account. I have no business with XXXX and XXXX. I do not have a loan or contract with XXXX and XXXX or owe a debt to XXXX and XXXX is attempting to collect a debt on the basis of fraud. XXXX and XXXX has report false, derogatory, defamatory and slandering information about me to the credit Bureaus on XXXX and XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXX and XXXX decided to ignore my demands for Validation and put negative information on my credit report. XXXX and XXXX has report defamatory information about me to the XXXX credit bureau on account. Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX and XXXX, I am not responsible for any payments for this account. I have no business with XXXX and XXXX. I do not have a loan or contract with XXXX and XXXX or owe a debt to XXXX and XXXX is attempting to collect a debt on the basis of fraud. XXXX and XXXX has report false, derogatory, defamatory and slandering information about me to the credit Bureaus on XXXX and XXXX by which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXX and XXXX decided to ignore my demands for Validation and put negative information on my credit report. XXXX and XXXX has report defamatory information about me to the 3 credit bureau on account. Breach of fiduciary duties, failure of consideration, Misrepresentation of a material fact, unjust enrichment, no loan or considerate was given. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Failure to substantiate the claim, please settle account immediately. Im challenging this account with XXXX and XXXX. I understand that you shouldn't be allowed to put any information on my file unless I have authorized it. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. Fair Credit Reporting Act ( FCRA ). Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature. Failure to substantiate the claim, Delete accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
This account is Paid

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 2019-05-25
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
called fake paypal number listed on XXXX XXXX they had all my paypal acc info. they were in my paypal account they knew my notifications email phone numbers and they locked me out of my act ssid my account had been hacked and had me spend XXXX on XXXX XXXX  XXXX. called number back and they told me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: Experian Information Solutions Inc.
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:
Sent letter via certified mail regarding hard inquiry. Company failed to comply according FCRA guidelines. No response after 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-03
Company: EQUIFAX, INC.
State: MD
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 contacted Equifax on XX/XX/2021 regarding several unauthorized hard inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. I have certified mail receipts of letters sent to the creditors requesting verifiable proof of authorization for the disputed hard inquiries. 

I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: AMERIS BANCORP
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Since Ameris bank has decided in XXXX to close my account, the bank has executed, without any order or agreement from my part, a transfer to an unknown account We sent several emails to the manager to have more details about this transfer to resolve this issue immediately We just received a quick answer Good afternoon, My apologies for my oversight. I don't recall your original email. 
It appears the amount was an automatic transfer to an external account Thank you, We tried to get more information by phone 2 times also, without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Made contact with company regarding hard Inquiry. Sent documentation via certified mail, company failed to comply according to FCRA guidelines.

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 2019-05-25
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:
Made attempts via certified mail to request verification of signature and comply to fraud alert on credit file. Company failed to comply for FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: ENCORE CAPITAL GROUP 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 account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
PayPal. Someone sent me {$1100.00} USD on XX/XX/XXXX. PayPal had a problem with their system and it was converting some accounts to GBP. My account was affected and the money is still showing up as GBP. When it converts to USD, the amount is lower than what was sent and there are conversion fees. I live in the United States. The person transferring the money to me lives in the United States of America. 

Additionally, PayPal somehow changed my currency to GBP so I had to talk numerous hours on the phone with them trying to get them to change it back to USD. I have NEVER, EVER used anything except USD for my transactions, whether sending or receiving! 

I have spent countless hours on the phone with them, used the chat feature with them, and have several e-mail communications with them. It is now XX/XX/2023. This has been going on since XX/XX/XXXX when I tried to access my money. 

They need to change the transaction back to USD, which is what is was sent as, in the amount of {$1100.00}, with no fees charged. It is their mistake. I don't even know if they have their algorithm straightened out or not yet. 

I am attaching a document that reflects only part of my communications with them.

Company response to consumer: Closed with monetary relief