BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2500.00}, {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

4. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Paypal Holdings, Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I sold my motorcycle for {$4100.00} and use PayPal to process the payment. PayPal refuses to transfer the funds that the purchaser submitted to them to my XXXX  bank account. Theyre saying that I would need to wait at least 72 hours before I can transfer the funds.?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
Company: BARCLAYS BANK DELAWARE
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act Barclays Bank Delaware Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for anv purpose. 
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 2021-11-15
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXi within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXXXXXX XXXX-Balance {$970.00} XXXX  XXXX-Balance {$300.00} XXXX XXXXXXXX-Balance {$73.00} XXXX XXXX-Balance {$280.00} XXXX XXXX-Balance {$300.00} XXXX XXXX-Balance {$250.00} XXXX XXXX-Balance {$360.00} XXXX XXXX-Balance {$620.00} XXXX XXXX-Balance {$1100.00} XXXX XXXX {$21000.00} XXXX XXXX-XXXX-Balance {$1200.00} XXXX-Balance {$680.00} XXXXBalance {$230.00} XXXXBalance {$70.00} XXXXBalance {$1900.00} XXXX-Balance {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To : TD BANK USA, N.A. ( Target ) and TD BANK , N.A . I write to advise you that I plan to file a lawsuit against you in the United States XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the USDC XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL
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:
On XX/XX/XXXX I notified XXXX of XXXX XXXX of how they violated my consumer rights by unauthorized use of my credit card via USPS tracking number XXXX. I gave no person permissible purpose to use my credit card to obtain a copy of my consumer report. The company is willfully and knowingly reporting false and misleading information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
-Identify Theft report filed with FTC XXXX 
-Disputed collection account via credit bureaus. 
-Hired a lawyer to negotiate with collection company to pay but denied any negotiations to come to a middle ground.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: Collins & Hilton Asset Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got XXXX. on this matter in XX/XX/2019. To settle the debt. We settled for half what was owed. I was to get a letter from them about the agreement. I never get one have payed them as agreed. This has been going on since XX/XX/2019. Last month no one answered the phone. Payed online and it said approved but they say it doesn't work. They will not give what I owe. What to pay off. One Lady told me XX/XX/2019 that I owed XXXX but the bill was XXXX and settled for XXXX. I don't think it, s right to be paying on something with out proof. I know it will go into the credit bureau as payed less. I need help with them giving my proof. My ref. # XXXX with them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: CONTRACT CALLERS INC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
What happens was that we used to had this Gas Utility service, on begging of 2020 I lost my job because of Covid 19 issues, i count made any payment from any utility plus i didnt payed the rent, so I had to leaved the house, I do have XXXX kids and a wife that I need to support, is been hard times for me and my family, I didnt know I had to pay this because I left the house on XX/XX/2020 so some other people may used the service and didnt pay anything or the owner of the house, however because of the covid 19 is the principal reason I had to not made this payment before plus the time dont match for whit the time we had leaving there, honestly I didnt know about the this collection and I do apologize for any inconvenience or payment i didnt made

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 2023-09-02
Company: U.S. BANCORP
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account information/debit card was compromised, XXXX had taken money out of my account XX/XX/XXXX and XXXX. I filed a claim the same month, they retrieved my funds and put my account on hold. I went into 2 branches personally and brought my drivers license and passport because I had spoken with several representatives on the phone and they were telling me if I went into the branch to verify myself I would be able to get my funds. The branch manager at the " XXXX XXXX XXXX, XXXX, NC XXXX '' branch ( XXXX I believe his name was ) made me wait in the waiting room for hours at a time trying to find reasons for me not to get my money and interrogating me about what was going on when I had already talked to the fraud department in depth about the issue. He had them lock my account to where I couldn't get anything out and they've had it locked since XXXX telling me to wait and that I will receive an update in the mail but I have yet to receive anything. They told me time and time again that they got my money back and that I won the dispute but they've been holding my money and not telling me anything, saying that they can't give me any information. I asked them to send me my money and close my account because I've had constant issues with them but they refuse to give me my money and close my account.

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 monetary relief
Consumer complaint received 2022-10-20
Company: Credit Collections U.S.A., L.L.C.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have two charges on my credit report for a single visit that is for {$77.00}. I only visited the dentist office once ( XXXX XXXX, XXXXXXXX XXXX ). I have tried contacting the collections agency and disputing it on my credit report without any success.

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 2021-11-15
Company: EQUIFAX, INC.
State: PA
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 recently settled an account with XXXX store card. The agreement was that I pay a certain amount and in exchange the account would be closed and I would no longer owe any balance on the account. This agreement was paid and settled. Since then XXXX have reported my balance and payment status incorrect on two separate occasions to the three credit bureaus. The correct way it should be reporting is my balance being {$0.00} and my payment status closed. XXXX had two opportunities to report this information correctly but they maliciously didn't do so. Instead of updating the terms of our agreement they violated my rights by falsely reporting the account balance with a balance of {$280.00} and not updating the payment status proving that this matter is situated. They continue to report incorrect information to the credit bureaus which is a violation of my FCRA rights. They knowingly reported incorrect information. This has caused me emotional hardship, it is still ruining my personal character and continues to negatively affect my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account recently appeared on my Credit report. It states that is an account over XXXX and a half years old yet it just recently shows on my credit report. According to XXXX XXXX XXXX XXXX, this account must be removed immediately. 
The account in question is as follows : XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00}. I am unaware of this account. I have no knowledge of it and it must be removed. 

I hope this finds you well. I am writing to request the removal of inaccurate information from my credit report, as per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609.

Upon reviewing my credit report from your bureau, I have noticed the following inaccuracies : XXXX. XXXX XXXX XXXX XXXX which states there is an amount owed of {$480.00} As you are aware, the FCRA mandates that credit reporting agencies investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I kindly request that you conduct a thorough investigation into the disputed items mentioned above and take appropriate actions to rectify these inaccuracies promptly. 

Please provide me with written confirmation of the resolution and the updated credit report once the investigation is complete. If you find any discrepancies to be accurate, I request that you provide me with a detailed explanation of your investigation 's findings. 

I am exercising my rights under the FCRA to ensure the information on my credit report is accurate and up-to-date. I expect you to comply with the law and carry out this investigation with the utmost diligence. 

Thank you for your attention to this matter. I trust that you will handle this dispute promptly and professionally. If necessary, I am prepared to take further actions to protect my rights as a consumer. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
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: Information belongs to someone else

Complaint:
This complaint is against XXXX XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. ''

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 2022-01-13
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I disputed items in Equifax and it been over 30 days and the company has not responded to my request to delete all inaccurate items from my credit profile instead has completed removed all personal information no original finisher name or account information because of this situations it has caused hardship and great damages that have occurred to my credit score, along with credit profile this is abusive reporting tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate XXXX 's cooperation in updating incorrect information such as names and addresses, I believe that XXXX is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against XXXX are as follows : Reporting Unverified Information : XXXX has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for XXXX to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, XXXX is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that XXXX addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that XXXX removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of XXXX v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.

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