BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681.

These accounts are not mine nor did I authorize them. I have reach out via certified mail over 30 days ago to the three-credit reporting agency ; TransUnion, XXXX, XXXX to investigate these inaccuracies but they still remain without the proper investigation or validation of these debts. 

These accounts have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX Account # : XXXX, XXXXXXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  ) Account # : XXXX XXXX XXXX Account # : XXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A, states that a consumer reporting agency can not furnish an account without my written consent or 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 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.

I have attached a credit report with these terrible mistakes by the credit reporting agencies.to support my claims

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 2018-12-16
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
It started months ago but these are the most recent dates it was on XX/XX/XXXX and now XX/XX/XXXX. I use PayPal to send money to friends overseas. I normally use my bank account information because its a cheaper fee ( 1st fee on XX/XX/XXXX {$0.00} & XX/XX/XXXX fee {$2.00} ) to send using the Friends & Family feature that PayPal has but a few months ago and now on these two most recent dates I can not! With each transaction I get an error message " We are sorry, but we could not complete this payment, because it has been denied by the card issuer. Please retry with a different card or funding option to continue with the payment ''. The first issue with this is that I am not using a card ; I am using a routing number and bank account number. I have three accounts with PayPal and each one get 's this same error message even when using a different bank account information. I have called my banks to make sure the issue is not with them and they assured me it is not and that it's a PayPal issue. When I go back and use a debit card from the same accounts or a credit card with a higher fee ( XX/XX/XXXX {$4.00} & XX/XX/XXXX {$6.00} ) the transaction goes through with no problem, but I'm paying more money!! I have reached out to PayPal twice with no resolution and during one phone call I spoke to three different people they're phone reps have no idea what the problem is because they all have told me different things and its never the same story. I have not received an emails or letters from PayPal saying there is an issue with any of my accounts and restrictions has been placed!! I finally get a call from XX/XX/XXXX ( PayPal customer Solutions Support Specialist ) and she states that it is a PayPal issue and there are others having the same issue. She supposedly sent some type of request to their security department. It hasn't been resolved. She is supposed to contact me again on Monday XX/XX/XXXX. I feel like this is way for PayPal to get higher fees from consumers sending money overseas to friends and family. PayPal refuses to refund me any money due to this being their issue not mines. I feel like I'm forced to pay the higher fees using a debit card from the same bank. As I stated this problem started over the summer this year. Before then I had no problems using my bank account to send money via friends and family with PayPal. I do not have this issue with my bank account sending money here in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: EQUIFAX, INC.
State: SC
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 applied to refinance my car, immediately after a collection account was placed on my credit report by XXXX XXXX XXXX XXXX for a debt I have no knowledge of as if the company has something which alerts them to when someone applies for new credit. I tried to dispute with all 3 credit bureaus, and I received notification that the investigation has been completed and found to be valid as of XX/XX/XXXX. I tried to follow up with the dispute as I do not owe any collections or have any past due debts. I have 100 % on time payments reporting for all of my credit history. When trying to follow up I was requested to send a copy of my social security card and drivers license to add a fraud alert, however this is not fixing the issue of the invalid collection which has been added to my credit report without being verified or researched. This collection needs to be deleted as it has not been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Navient Solutions, LLC.
State: OH
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 Student loan company called Navient is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: TX
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 accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Bank : account # XXXX XXXX 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 2022-08-09
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
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 need some assistant with the following unverified accounts that are showing on my credit report : 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 I live in Florida and I have no records of doing any business with the above-mentioned companies. My name is XXXX XXXX XXXX my DOB XXXX SS XXXX. My current and only address XXXX XXXX XXXX  XXXX FL XXXX. 
please remove the following fraudulent address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Received email about purchase at Best Buy. Was aware that had not made a purchase and went online and verified that 2 purchases were made with one being sent to XXXX area and I live in XXXX. Online showed purchase with My Best Buy Visa, which I did not apply for or own previously. 

Called Best Buy and they claimed they could not stop shipment of product even though it had not shipped. Inquired about CC and they advised they can not access any XXXX  information at BB and have no information as only Citibank has information. Asked to speak to their Citibank Rep and was forwarded.

Citibank Rep could not find a XXXX  unless I had the XXXX  number which no one can provide or my SSN. S
SN search did not turn up XXXX. Rep could not provide any infomation or help beyond. Told me to contact next week as it was XXXX XXXX and services where limited due to Holiday weekend. Called back Best Buy and got the same information as before as they could not help. 


Started process again on XXXX XXXX by calling Best Buy. Wanted whole story over again as last calls had no created a case file and there was no information about previous call in. Asked to speak to Supervisor and was told I would need to wait for a return call. 

Froze all my accounts as I have no idea at this point as to what is happening and what has been exposed. 

Called Best Buy back after 3 hours. Agent claimed there was nothing she could do and could not or would not escalate my call request. Finally got a case number, by can not get a copy for police report or any other reason and I am in some BB system of which she seems to not have knowledge or access. Can not get policy on what happens to report or if I will be contacted. She claims to be very knowable of BB policy, but claims NO ONE in Best Buy can help with XXXX  information.

Asked to be forward to their Citibank department and got forwarded somewhere. Started to explain again the issue to someone and got forwarded without my knowledge back to BB? No one picked up and was disconnected.

I seem to to be stuck. No one in BB or Citiban
k can seem to find the XXXX  that is supposedly in my name as no one can access such information. Very frustrating and unbelievable at the moment.

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 2023-02-12
Company: Experian Information Solutions 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:
XXXX, Experian and XXXX are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports

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 2021-04-28
Company: CITIBANK, N.A.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Macys american express has done this before and it is still on my credit report after telling them several times now they are charging me late charges and reporting me late i need them to correct any late credit reporting as i never was late one was from a dispute and i was waiting until they invesigated so they said they would correct both. of them and neither of them have been fixed even after several phone calls

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 2020-12-16
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Discovercard has sent a letter threatening legal action with a deadline to respond to the threat of legal action. The deadline to respond is several days previous to the date the letter was generated, ( the letter shows the date it was generated ) and sent to myself via Priority Mail. I did not recieved the letter in the mail until 2 full weeks past the deadline in which they are threatening legal action against me. So I could have never responded to their deadline in the time they specify to avoid their legal action, and furthermore they generated the letter to inform me of legal action against me after a certain date, and literally didn't even create the letter and/or inform me of the deadline until after the deadline was already past.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: Experian Information Solutions Inc.
State: MO
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:
The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX, for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed 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 2018-12-16
Company: EQUIFAX, INC.
State: MO
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:
The following accounts I'm asking to be removed from my credit report due to the fact that I have absolutely no contractual obligations to either. The following accounts contracts obviously been cancelled, because I have No Contract with ( 1 ) XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX for {$99.00}, ( 2 )  XXXX XXXX XXXX, XXXX, {$240.00}, and {$100.00} Again, No Contract / No Knowledge of the above companies. I'm requesting physical documentation, or as stated with the laws of the FCRA, if the companies can not provided me with such, then the accounts shall be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: DISCOVER BANK
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-15
Company: WELLS FARGO & COMPANY
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:
Wells Fargo will not remove late payments reporting incorrectly by Wells Fargo 's fault. The tradeline for furniture was not late and paid in full. The account closed in XX/XX/XXXX. The Credit Report that was pulled for my mortgage states that I was late in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. How can you be late on a paid in full, closed account? I have submitted disputes and called numerous times to get Wells Fargo to fix this error. No action has been taken by Wells Fargo to fix their mistake while my credit score is being punished and penalized. This is unfair to the public consumers and limits borrowing/buying power. Also, this disaster of a service from Wells Fargo negatively affected the interest rate I was able to obtain for my mortgage. Wells Fargo should be punished and fix the errors 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 non-monetary relief
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
For the CFPB 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 name : 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.

15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: United PanAm Financial Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Upon making a settlement offer I advised the agent that I wanted the info removed from my credit report. The paperwork I signed stated that it would release me from any responsibility related to the account, which I assumed was removing it from my credit as I discussed with the agent. As I review my credit file it is still on my report I called the company XX/XX/22 to rectify this issue which then became a he said she said issue. Due to the fact that I dont know their company jargon and the letter was written with specific wording it was not a removal by the companies definition. I advised to have the call pulled since they state all calls are monitored and recorded. They agreed, I called back a week later XX/XX/22 to which they advised me they could not obtain the call and due to that they were not going to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I don't have anything on my credit except numerous of accounts from one company ( ARS ) that has been on there for years, I have not ever received anything about these alleged debts, and many of them even with the same account numbers,

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 2018-05-17
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: Account information incorrect

Complaint:
I had a medical bill appear on my credit file a couple months ago FROM XXXX XXXX XXXX I contacted the CREDITOR and the account was settled I provided paperwork to the credit bureau and the collection was removed. The collection has now appeared back on my report THROUGH XXXX XXXX XXXX I submitted my paperwork for the company and the credit bureau refuses to remove incorrect information. The balance shows {$0.00} however the account is reporting as unpaid.

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