BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-21
Company: Medical Data Systems, Inc.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have asked Medical data systems and XXXX, XXXX, and XXXX to validate this debt. i have asked for the information that are using to be sent to me that proves this is my debt, I DON'T GIVE PERMISSION TO ANY OF THE LISTED NAMES ABOVE TO HAVE MY MEDICAL RECORDS, SO DO NOT TRY TO PROVIDED AN ITEMIZED STATEMENT FOR THAT DOES NOT VALIDATE A DEBT UNDER FTC OPPENION LETTER THE NEED TO PROVIDED AT, PROMISSERY NOTE OR AGREEMENT MADE BETWEEN ME AND THE ORIGINAL CREDITOR THAT SHOW AN AMOUNT THERE NAME MY NAME AND HAS MY SIGNATURE. THAT IS THE ONLY VALIDATION THAT WILL BE EXCEPTED BY ME AND BY ANY COURT. 
IF I DONT GET THIS INFORMATION THAT IM REQUESTING ILL WILL FILE IN OKLAHOMA COURT AND SEEK FOR THIS INFORMATION AND IF THEY CANT PROVIDED IT AT THAT TIME I WILL ALSO ASK FOR A MIN. OF {$1000.00} PER REPORT. 

IF THEY PROVIDED AN ITEMIZED STATEMENT THAT HAS ANY OF MY MEDICAL RECORDS OR CONDITION ON THEM I WILL THEN SEEK FOR MAX ALLOWED IN COURT AND FILE WITH ATTORNY GENERAL SEEK MAX FINES. 

I'M ONLY ASKING TO VALIDATE ACCOUNT WITH A CONTRACT THAT BEARS MY SIGNATURE THATS 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 2023-04-12
Company: CORELOGIC 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: Credit inquiries on your report that you don't recognize

Complaint:
None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. 

XXXX XXXX  Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX  Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX CREDCO Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX 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 2021-09-24
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: Old information reappears or never goes away

Complaint:
I am using Experian On Line and have been having great difficulty in getting my complaints to Experian. There is no email address to contact Experian directly. They have continued to be unresponsive to my issues. 1 ) They have listed a delinquent account ( XXXX ) as a Collections account by court order but that is not the fact. This account was done as a negotiated settlement with XXXX XXXX XXXX before any court order was made. It should be list as a settlement in process. 2 ) Their so-called " Boost '' program lists only one self-reported account but I have consistently paid for XXXX XXXX XXXX and for XXXX XXXX that qualify as a Boost account. 3 ) Two accounts were list as delinquent for just thirty days but I have said that I mailed in my payment but mail from XXXX and XXXX, Hawaii, have gone missing/lost on many occasions. No response or correction was ever made. I am so frustrated with Experian irresponsible assemblage of my credit history. I am a unique customer that deserves to be listened too and assisted in a fair and objective way. Thank you for your assistance.

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 2017-09-11
Company: EQUIFAX, INC.
State: WA
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. I did n't even know that equifax had my information until I checked using their website.
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. Especially when customers ca n't easily tell which credit monitoring companies have your information.
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW 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 2018-12-19
Company: Rapidly Financial, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/XXXX I applied for a tax refund loan in the amount of {$500.00} for XXXX gifts for my children. Refundnote required supporting documentation to verify employment and identity along with a copy of my XXXX tax return. On Sunday XX/XX/XXXX, I was emailed Refundnote 's Agreement and Consent documents to be e-signed. the document contained the fees to be charged in the amount of {$520.00} along with and estimated amount for my XXXX tax refund and under terms they prepare my XXXX Tax Return. The documents were signed and emailed back. So i assumed that I was approved for the loan and that I would hear from someone the following day. Of course I received no email informing me about the loan. By this time I was worried so the only way to contact Refundnote is through email. I emailed support on Tuesday XX/XX/XXXX and wanted an update on my loan and that I sent out an email prior to get an update and no reply. In the email I informed them that I was going to report them to FTC and XXXX. Well what do you know I got an email stating my application has been accepted and that more documentation was required and if the information is submitted before XXXX EST my funds would be available the same day. The documentation requested was a utility bill, health insurance info on me and my children, document clearly showing my children 's social. As of today no funds or email. Starting to think this company is a scam and that they have all in information and will attempt to file my taxes.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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:
I sent my request off on XX/XX/XXXX, I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 1. ) XXXX XXXX DEPT OF ED / XXXX XXXX 2. ) XXXX XXXX XXXXXXXX 3. ) XXXX XXXX, 4. ) XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX # # # # # # # # # # # # XXXX 6. ) XXXX XXXXXXXX XXXX # # # # # # XXXX, 7. ) XXXX XXXXXXXX XXXX # # # # # XXXX 8. ) XXXX XXXX  # # # # # XXXX 9. ) XXXX XXXX # # # # # XXXX According to the FRCA the term " investigate consumer report '' means a consumer report or portions thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with who he is acquainted or who may have knowledge concerning any such items of information. They stated the account was verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on this account is still not reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: LendKey Technologies, Inc.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Lendkey pulled my payment early. It is always paid for the first of the month and this time they ran autopay XX/XX/23. They sent the following message We are aware of an issue that caused your monthly payment to be drawn from the account enrolled for automatic payment earlier than expected. We are currently working on resolving this matter with the goal to have the funds returned within 24 hours. We will provide another communication upon completion with more information on steps to take if you were negatively impacted. We sincerely apologize for any inconvenience this may have caused you and assure you that any necessary adjustments will occur shortly. 

Sincerely, XXXX This is unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: Ballybunion Enterprises, Inc
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company is stating amount is {$12000.00}. This debt is over 10 years old.The account has been re-aged and I would like it removed. They re-aged account to 2021 which is false.I ask the company to validate debt and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
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 XXXX XXXX XXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXXXXXX BANK XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CARD # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX US SM BUS ADMIN 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

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 2018-05-21
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 has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX  refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/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 2023-04-12
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Sold the house on XXXX with escrow balance approximately {$1900.00}. Mortgage company said they would send balance of escrow by check within 30 to 60 days. Never received it. Mortgage company then said they would resend the check in XX/XX/2023. 
Never received it and still haven't received anything as of XX/XX/2023. Here 's an idea, send the check with tracking ( USPS or XXXX or XXXX ) so you can prove you sent it and see where it really ends up. Why does it have to be this complicated. Running out of patience. Somebody please help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
about 2 years ago I tried to open a credit card with lowe 's but it was denied, yesterday XX/XX/2021 I tried to apply again but it was denied. 

I went today XX/XX/2021 to the store to apply in person and it was denied, call today XX/XX/2021 at the lowe 's credit center, and ask why I am being denied. 

They told me you are blocked because the application was not finished, you can go to the store and have them apply for you, I went and they measured the same thing, this time they gave me a reference number XXXX then I got a text with a link between and when I finished they told me that unfurnately been declined at this time. I feel discriminated by LOWE 'S because he is the only one who denies me a credit card, XXXX, XXXX, XXXX XXXX and others do not deny me my credit.or your help thanks,

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 2020-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$950.00} on the XXXX XXXX account from original creditor XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I closed this account and made an arrangement for the company to pick-up the equipment per their instructions. The company failed to process my return correctly and consequently, because of their error, this account was sent to collections. I never received any correspondence regarding this account and I was not aware that there was a collection until I obtained a copy of my most recent credit report. The false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, 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 2018-04-17
Company: DISCOVER BANK
State: MI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My Credit Card numbers were hacked by someone presently unknown. The Staements alleges I am correct the items are fraudulent and have given me a " allegedly given me a statement that all the interim credits are now permanen as their fraud investigation department agrees with me! I spoke to a Discover yesterday who I was attempting toe informed what credits I have been given, and what not, she became beligeren and contrary to their prior ations and statements to me by other members of the fraud and security department Discover, refuses to even allow me to see my statement not have use of the money we both agree is properly in my account, available for my use, but this woman has arbitrarily denied me use of the money Disocver as part of my Credit Card, has set aside for my use, which is account, I my ability to have a card to access the funds has been removed by Discovery. Independently I have attempted to determine the person who has hacked the account, and want to work to help Discovery catch him -- but they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge.

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 2022-09-07
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/22 I moved {$990.00} to my Venmo account in hopes to save money for a trip. later that day I tried to order food for myself on XXXX using my Venmo balance right after my account was frozen I received an email to submit my ID which I did and they unfroze my account the next day my account was frozen again for a technical issue in XXXX automatic process to freeze accounts the money in my Venmo account comes from the XXXX XXXX XXXX because Im 100 % XXXX from the XXXX XXXX I have call everyday since my account has been frozen and I receive no answers they are withholding all of the money I have left for the month for the past few days Ive been unable to get food for myself and my service dogs one of my animals suffered from a disease called XXXX and need medication on her food which Ive been unable to get for her causing her to become ill I have made Venmo aware that this is an emergency and they keep telling me their hands are tied I have to wait for a specialist to unfreeze my account I have reach out in every way possible to make them aware of my situation only to receive no answers what so ever I have a flight on XXXX that will have to be forfeited if I do not gain access to my money my bank is now overdrawn because of the mistake Venmo made this as been a very difficult process and Venmo has no answers this is completely egregious

Company response to consumer: Closed with non-monetary relief