BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: MN
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:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am currently out of work and behind on bills that I intend to pay. I have a problem making calls because my outgoung calls have been forwarded and intercepted by an independent call center without my permission. I prefer to be contacted via usps mail. I did inform the compant aboyt this and I responded to them through a written contact option to customer srvice in tge app. On the phone no one knows what I am talking about and I dob't believe thst I am talking directly to PayPal. I believe that the call center is trying to own this debt. 
On XX/XX/XXXX Bill Me Later or PayPalCredit wrote me an offer for me to pay {$76.00} and tgen {$61.00} a month for tge next 11 months. On XXXX I paid {$76.00}, On XXXX I paid {$61.00} and on XXXX I paid {$61.00}. Now that I have accepted this offer by check, over the phone and thrrough written communicatiob to customer service in the app. PayPal is saying that the offer is no longer valid. I first accepted the offer in XXXX on the phone and again on the XXXX of XXXX on the phobe and written in the app

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 2019-03-02
Company: Phoenix Financial Services LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX, a visit was made to the XXXX XXXX XXXX XXXX in XXXX XXXX, Illinois. The physician apparently was employed by XXXX XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX submitted a bill for {$90.00}, which was paid on XX/XX/XXXX. XXXX XXXX XXXX is no longer in business, although the Internet still shows a XXXX XXXX location at XXXX XXXX XXXX. There was never a bill received from XXXX XXXX XXXX. On XX/XX/XXXX, a bill was received from Phoenix Financial Services on behalf of XXXX XXXX XXXX for {$90.00}. The bill was paid for {$45.00}, which was the amount demanded by Phoenix.  Upon further checking, it was discovered that that the original bill had been paid as noted above. Upon contacting Phoenix, they disclaimed all responsibility for the effort of XXXX XXXX XXXX to collect money from the individual for a bill that had already been paid to another party that XXXX XXXX XXXX was unable to collect from. Phoenix then sent a notice ( exhibit 5 ), disclaiming all responsibility for their actions and referring the individual to XXXX XXXX XXXX, even though Phoenix had improperly collected a debt and acted as an agent of XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is trying to collect a debt that is in litigation, sent many legal documents, attorney phone calls, ect. They are violating FCRA regulations. 

XXXX XXXX XXXX Please be advised that this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance.

Under the Fair Credit Reporting Act, Section 609, I am exercising my right to request information regarding an item listed on my consumer credit report as an INACCURATE NEGATIVE MARK presented by Fair Collections and Out on 2/2020.

This account is part of a litigation lawsuit ; therefore, this is a FALSE and inaccurate report made illegally by FCO.

Despite two written requests, emails, and a phone call from my represented Attorney, XXXX XXXX, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. They have NOT provided my attorney or me a copy of ANY original breakdown documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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: Bread Financial 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:
Someone opened an account for children 's place in my name online shopping XXXX 2022. Account was reported to the bank and closed and under investigation. XX/XX/XXXX someone again used my social security number to try to open an account with XXXX XXXX but was not successful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18
Company: EQUIFAX, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
This is the second ( 2nd ) time I have logged in to get my free, annual Equifax credit report and received the following message : " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Report online ''. I am instructed to request it by mail and have to submit a request form along with a copy of my Social Security card and a copy of my driver license. I DO NOT want my personal information being mailed to Equifax, nor do I want my credit report being mailed to me. This opens me to identity theft!! The mailed items give a thief all they need to cause havoc to my financial life. I have no trouble getting XXXX or XXXX ; I have them for XXXX. And, I received them in XXXX. I just received the Online Delivery Unavailable for XXXX from Equifax ; I also received the same in XXXX. I 'm not sure about prior to that. If Equifax can not provide the free, annual report online like the others do, please close them down! They have already caused enough anxiety and worry for consumers with their massive breach, which they failed to disclosed when they found it. I want my report online ; or I want Equifax to assume 100 % liability for any identity and/or financial problems I incur with my personal information being required to be sent via the XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I consumer XXXX XXXX contacted TRANSUNION to request my credit file. TRANSUNION stated they do not issue consumer files, only consumer 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 non-monetary relief
Consumer complaint received 2022-08-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
National Credit Adjusters are not in compliance with FCRA. They are reporting two debts on my XXXX credit report that are incorrect. They are incorrectly reporting the " date of first delinquency ''. I have made multiple attempts to correct this problem with NCA & XXXX. For both accounts the First date of delinquency is sometime in the year XXXX. They are telling me that XXXX & XXXX of XXXX is when they purchased the debt, and that's the date they are going to report. They said they haven't updated the report since XXXX of XXXX. This incorrect reporting has been affecting my career and ability to make consumer purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
OnXX/XX/XXXX My bill was {$410.00}. I paid {$420.00} On XX/XX/XXXX My bill was {$300.00} I paid {$300.00} I thought that the card was paid off. 
XXXX XXXXCard claimed in the XX/XX/XXXX billing statement that I made a purchase on XX/XX/XXXX for {$30.00}. On XX/XX/XXXX billing statement the amount rose to {$58.00}. On XX/XX/XXXX. I paid XXXX  XXXX card. XXXX. I thought that this card was paid off. On the XX/XX/XXXX billing statement the amount rose to {$97.00}. On XX/XX/XXXX I paid XXXX XXXX card XXXX. On the XX/XX/XXXX billing statement the amoount rose to {$79.00}. Then I paid XXXX {$1.00} which they are leaving as a credit. I was forced to give them my checking account and routing number because they would change the amount due daily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Addresses, phone number and my name is incorrect on 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 2019-03-02
Company: Paypal Holdings, Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from XXXX XXXX XXXX XXXX ( XXXX ) stating that I owe PayPal {$480.00}. As of today I have a XXXX balance in my PayPal account. I called XXXX to discuss the letter but my call was dropped before I could speak with a representative. I called PayPal and informed them of the letter and PayPal is investigating after confirming I owe PayPal no money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX I received a notice to collect debt. I filed the formal dispute, but have not received an answer from the collector. The debt is still reflected on my account, and is over XXXXXXXX XXXX XXXX I need to raise my credit score because I am unable to secure a traditional loan, and had an auto accident XX/XX/XXXX leaving me without a vehicle. This prevents me from operating my business or securing a job.

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 2021-05-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been working on having my credit reports updated and corrected for months. Ive sent multiple letters starting the beginning of the year. To please have All inaccurate and unverifiable information removed off my credit reports, I have not been updated or notified, please remove all information or I will have to file for litigation,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I always check my account before making a purchase. Wells Fargo has always posted my transactions as pending and subtracts my purchase from my balance and I see how much i have left. As the pending transactions start to post something happens that I end up negative in my account and end up with an overdraft fee. Even though my transactions are pending they show my balance as if it was already taken out and supposedly it all depends on when the merchant puts the transaction through but then why put it as pending and actually subtract it from my balance if they are supposed to wait until it post. This has happened to me about 4 times already and it only seems to happen when I make a lot of purchases in a couple days time one after the other. When I make a lot of purchases they seem to get me with an old transaction from like a week ago telling me that it just posted and that's why I become overdraft. Everytime I make a purchase whether its online or in a store I always look at my account and make sure it went through and it Is at least pending and I see that it was subtracted from my balance and I see what balance I have remaining. I would not spend money that I don't have and if the money wasn't in the account my card would be declined it really just doesn't add up.

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 2019-03-02
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt collection for services/utilities that I did not use. I have never had an account under my name that I authorized for myself or no one else. The information being reported is incorrect.

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 2020-11-25
Company: Experian Information Solutions 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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE NOTIFIED THE LOCAL AND FEDERAL POLICE AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-11-25
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:
THE ACCOUNTS LISTED ARE FRAUDULENT ACCOUNTS SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I HAVE NOTIFIED LOCAL AND FEDERAL AGENCYS I WAS A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: CITIBANK, N.A.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on 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 2020-10-21
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
XX/XX/2020 : I called the company Westlake Financial to ask for a reduction in the interest to allow for lower payments but they refused. 

XX/XX/XXXX : Called again stating that I could not pay the amount but they denied again and only offered to defer the XXXX payment. 

XX/XX/2020 : I could not make the payment so they reported me to the credit Beaureu which really messed up my credit which I am trying to protect.

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 2021-05-06
Company: Money Management International, 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 status incorrect

Complaint:
XX/XX/XXXX, I enrolled in a Debt Consolidation program with Money Management International. There were 4 credit cards rolled into the program. XXXX XXXX & XXXX  XXXX XXXX respectively. 

As of XX/XX/XXXX, I began making payments with MMI debt program with the impression that my accounts were negotiated and that everything was being handled accordingly It was only until XXXX of this year XXXX, after reviewing my credit report, that I realized, ONE of my XXXX  XXXX Credit Cards was marked LATE three months in a row. 

XXXX, XXXX, XXXX of XXXX, were counted as consecutively late, on only ONE of XXXX  CREDIT CARDS When I tried contacting XXXX  XXXX to ask the reason, they said I had an outstanding balance during XXXX, XXXX, XXXX of XXXX. However, to my dismay, I was NOT alerted by XXXX  XXXX, nor MONEY MANAGEMENT INTERNATIONAL of the past due status. 

Had I been made aware of it at that time, I would have paid the PAST DUE BALANCE, immediately. In asking for a positive resolution, XXXX  XXXX told me to defer to MMI.

The same day, I contacted MONEY MANAGEMENT INTERNATIONAL to try to clarify the situation. Money Management confirmed that the payments were being made to XXXX  XXXX on a timely basis. That there must have been some lapse between months. 

In essence, I have the two companies pointing the finger at the other. While both tell me it's not their problem to fix. And I am now stuck with an adverse CREDIT SCORE, because of it. 

I was making a concerted effort to FIX my CREDIT, not destroy it. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: CITIBANK, N.A.
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute XXXX. I provided all information related to the case. I was charged for something that was never received, merchant failed to deliver product and city bank let the merchant keep the money without delivering the product.

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