BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: CA
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 in which I have listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX/XXXX  ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX XXXX  XXXX ACCOUNT NUMBER XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: United Shore Financial Services, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
As I was struggling with financial hardship during the pandemic, I reached out to XXXX for financial assistance with my mortgage. 
It seems they ( investor ) had granted me deferment modification on XX/XX/XXXX. I was never told by any of their representatives about this as every time I called and expressed my hardship time after time to follow up on the status of my loan. 
As a result the balance has accumulated for the past 19 months in delinquency. 
I sent them an updated financial package on XX/XX/XXXX with all documents requested asking for help with the delinquent balance and wanting to resume payment as my hardship has ended. 
I am awaiting their decision to resolve the matter through any sort of financial assistance modification, and as a borrower I can once again start making my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
U.s. Bank charge me XXXX $ to check my balance on their atm. Bank agreed to reverse one of the charges after I complained although I asked that all be reversed as no prior notice of the charge was provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: Bread Financial Holdings, Inc.
State: CA
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: ALLY FINANCIAL INC.
State: VT
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:
In XX/XX/XXXX I filed a dispute of information on my Ally Auto account in collections through a credit bureau ( XXXX  I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that Ally is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called Ally and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Paypal Holdings, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/19 I received a letter identified as from XXXX XXXX  c/o Paypal, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a Paypal account, so this seemed odd. I have since contacted XXXX XXXX  and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for Paypal in my name at my address or any application associated with my social security number and no Paypal account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from XXXX XXXX , XXXX dated XX/XX/19 stating the current creditor was Paypal, Inc with a XXXX XXXX , XXXX account number, last four digets of a Paypal account number, that I have now confirmed with Paypal is invalid, and XXXX XXXX XXXX claims I owe a balance of {$800.00} for Paypal chargebacks. 
I sent XXXX XXXX , XXXX collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX  and the fraud department at this bank, as well, and there are no Paypal accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19 with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet XXXX XXXX , XXXX somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX  Paypal or that I have any kind of existing XXXX Paypal account. I have explained to XXXX XXXX , XXXX in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19 in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and XXXX XXXX, XXXX is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for XXXX XXXX , XXXX, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: Payfare International Inc.
State: TX
Product: Prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 my card was charged {$50.00} by a company for an upcoming appointment. That appointment was cancelled prior to occurring and the charge stayed for services that were not rendered. I called the company multiple times, left several voicemails, sent several emails and they have been non responsive. I called XXXX within the limited 10 day dispute window they offer to ask about disputing the charge and they said they were unable to dispute any charges if the company at any point was given my card information, they said it didnt matter that the company charged for a service they did not provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Kriya Capital, LLC
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:
There were fraudulent accounts as well as an inquiry, XXXX wrong addresses and an incorrect name. 

ACCOUNTS 1. XXXX XXXX -DATE XX/XX/XXXX 2. CREDENCE RESOURCE MANA XXXX XX/XX/XXXX 3. XXXX XXXX XXXX - DATE XX/XX/XXXX 4. XXXX XXXX - DATE XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES : 1. XXXX XXXX XXXX XXXX, NY XXXX 2. XXXX XXXX XXXX XXXX XXXX, NY XXXX INCORRECT NAMES : 1. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
ONLINE INFORMATION SERVICES reported debt to my credit report without ever sending me any type of communication that I owed the debt. On XX/XX/2019, I disputed this account with the credit bureaus and asked for debt verification. Per FDCPA, the debt collector has five days to send me written verification of the debt. I had no communication from the debt collector until I received a letter in the mail, dated for XX/XX/2019. Yes, the debt collector violated federal law ( for which the debt collector will be strictly liable ) by failing to send a debt verification to me within the time frame allotted by federal law. Additionally, the verification letter did not include notice of my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Southwest Recovery Services, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A debt was listed on my credit report that I did not recognize. It is from the collection agency, Southwest Recovery Services. They claim that someone using my name and information applied for credit at XXXX XXXX XXXX XXXX XXXX XXXX in Texas on XX/XX/XXXX According to the credit report, the amount owed is {$1400.00}. I did not open this account. I live in Oklahoma. On XX/XX/XXXX XXXX I was XXXX XXXX at XXXX XXXX XXXX in XXXX, OK. I couldn't have been in Texas to open this account. I have NO email verification from this company, and I haven't received any mail regarding this debt to date. 
I have tried to contact Southwest Recovery Services to discuss this, but my calls go straight to voicemail. I left my contact information on voicemail, and they haven't returned my calls. 
I have contacted XXXX and XXXX to report my stolen identity. XXXX recommended that I report this at FTC.gov.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: Experian Information Solutions Inc.
State: IL
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2021-11-19
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$75.00} XX/XX/XXXX - {$470.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$570.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$1000.00} XXXX contacted coinbase wallet and I lost the money from my account. It was sent to an unauthorized address without my permission. They said that nothing could be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My social security number is XXXX on XXXX credit report and equifax Credit report theirs is negative item that's 60 days late it supposed to be removed from my XXXX credit report and equifax Credit report theirs is a federal trade commission identity theft report on file please have XXXX remove the account and equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient only calls me between XXXX and XXXX Monday through Friday, or on holidays. I told them I can not receive calls during those times because I am at work. They said they use an aito dialer so they can not remove my number. They also said that Texas allows them to call while I am at work. I told them Texas also says if I can not make calls during work, they can not call during my work hours.They call me at least XXXX to XXXX times a day, exceeding the law of no more than XXXX times in a week. They said they will continue to call until I resolve the issue. They also say I can call back, but refuse to give me a number. The number on the caller ID is not their number. The number also shows up as from Wisconsin which is not where Navient is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile 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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. TransUnion 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 oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion 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 transunion i spoke to a representative agent name XXXX XXXX XXXX XXXX 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 Transunion. 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 Transunion more than 21 times. transunion 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 homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-11-19
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: Personal information incorrect

Complaint:
I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 am a victim of identity theft. I have reached out to transunion all year round about this fraud on my credit. I have a fraud alert attached to my name and they are aware of this. XXXX have information about this all and failed to protect my identity. They told me to send all my personal information through the mail. That includes social, California id etc. Thats like giving someone your whole identity. I asked what is another way that i can send this type of information and they didnt help. My identity is being used nation wide and ther credit bureaus are not helping. I am not protected and brought every protection you can think of. They is one reason my identity have been tooling because they never tried to help and wanted me to send my whole life through mail. This is not okay. I cant open up bank accounts my credit is at a stand steal because of all this. I need help from anything PLEASE. Nobody is listening and this is why! I have police reports. Inquires need to be removed as well as anything else that was no by me. I need ALL credit bureaus to fix this problem.

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 2023-07-26
Company: EQUIFAX, INC.
State: AL
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 should be removed from my credit file as soon as possible, please remove this account. I have provided a hard copy of my police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
My identity and information was used without my authorization. There are several inquires on my report that I did not authorize. Please investigate and remove all unauthorized inquires on my credit report listed below XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-07-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 Midland Credit Management open a collection. 
Account # XXXX {$2600.00} that I owe I have never signed any written documents saying that I owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and they have no written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 



XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief